Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Jhelum

For one person, living is cheaper in Jhelum: $397 a month against $1,349 in Ubud, Bali, rent and utilities included – about $11,400 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
19

Cost of Living Index in Jhelum
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Jhelum Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Jhelum

🇵🇰 Pakistan

$397

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Jhelum

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Jhelum actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $397 in Jhelum.

Ubud, Bali $1,349
Jhelum $397

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $606 in Jhelum.

Ubud, Bali $2,305
Jhelum $606

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $815 in Jhelum.

Ubud, Bali $3,261
Jhelum $815

Living in Ubud, Bali is roughly 240% more expensive than in Jhelum, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$1.84 PKR 508

80.43%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$10.86 PKR 3,004

228.18%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$5.52 PKR 1,527

0.18%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.49 PKR 688

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.22 PKR 613

Cappuccino

$2.72 Rp 49.3K

$1.52 PKR 419

78.95%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.70 Rp 30.8K

$0.48 PKR 134

254.17%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.32 PKR 89.0

137.50%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

Milk (1 liter)

$1.49 Rp 27.0K

$0.64 PKR 176

132.81%

White Bread (500g)

$2.28 Rp 41.2K

$0.60 PKR 167

280.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.27 PKR 350

-6.30%

Eggs

$2.04 Rp 36.9K

$1.19 PKR 329

71.43%

Local Cheese (1kg)

$17.70 Rp 320.8K

$2.66 PKR 736

565.41%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$2.36 PKR 654

67.80%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$2.70 PKR 746

351.48%

Apples (1kg)

$3.66 Rp 66.2K

$1.10 PKR 304

232.73%

Banana (1kg)

$1.52 Rp 27.5K

$0.34 PKR 95.4

347.06%

Oranges (1kg)

$2.23 Rp 40.4K

$0.56 PKR 156

298.21%

Tomato (1kg)

$1.97 Rp 35.7K

$0.63 PKR 175

212.70%

Potato (1kg)

$1.85 Rp 33.5K

$0.30 PKR 83.5

516.67%

Onion (1kg)

$2.42 Rp 43.9K

$0.38 PKR 104

536.84%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.41 PKR 114

141.46%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.41 PKR 112

24.39%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.86 PKR 516

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.56 PKR 154

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.34 PKR 648

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$1.42 PKR 392

56.34%

Wine (Bottle)

$22.24 Rp 403.0K

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$0.17 PKR 46.63

47.06%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$11.33 PKR 3,136

-30.98%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.07 PKR 295

-58.88%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.10 PKR 304

-60.91%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$2.87 PKR 793

88.50%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.18 PKR 326

-30.51%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$23.8K Rp 432.0M

$23.6K PKR 6.5M

1.08%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$31.7K Rp 575.3M

$23.1K PKR 6.4M

37.38%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$79.1 Rp 1.4M

$66.2 PKR 18.3K

19.52%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$6.45 Rp 116.8K

$5.67 PKR 1,570

13.76%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$14.72 PKR 4,073

26.22%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$15.48 PKR 4,282

219.64%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$8.65 PKR 2,394

104.05%

Cinema Ticket

$4.27 Rp 77.4K

$7.32 PKR 2,026

-41.67%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$491 Rp 8.9M

$26.16 PKR 7,238

1775.15%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$2,005 PKR 554.8K

182.97%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$18.73 PKR 5,183

138.33%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$26.05 PKR 7,207

34.17%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$54.9 PKR 15.2K

45.64%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$30.06 PKR 8,318

164.20%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$144 PKR 39.8K

682.01%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$79.7 PKR 22.0K

742.84%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$259 PKR 71.6K

1277.07%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$160 PKR 44.2K

979.29%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$730 PKR 201.8K

274.45%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$474 PKR 131.2K

381.58%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

11.83

16.48%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Ubud, Bali: October 25, 2026

Last update for Jhelum: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Ubud, Bali

$672 49.8%

Jhelum

$80 20.1% 88.1% $592

Groceries & Markets

Ubud, Bali

$288 21.4%

Jhelum

$71 17.9% 75.3% $217

Eating Out

Ubud, Bali

$108 8%

Jhelum

$53 13.3% 51.1% $55

Clothing & Footwear

Ubud, Bali

$108 8%

Jhelum

$58 14.7% 45.7% $49

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Jhelum

$87 21.8% 16.9% $18

Sport & Entertainment

Ubud, Bali

$58 4.3%

Jhelum

$30 7.6% 48.1% $28

Getting Around

Ubud, Bali

$11 0.9%

Jhelum

$19 4.7% 62.6% $7.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $144 in Jhelum. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $11 in Jhelum for a mid-range dinner for two. Groceries echo the gap at $288 vs $71 per month, with Jhelum cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Jhelum

🕒 Local time

09:01 9:01 AM

06:01 6:01 AM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

190,425

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.24 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of November 2, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 309 PKR (1,000 PKR = 3.24 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Jhelum 6,370 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Jhelum

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Ubud, Bali vs Jhelum: Cost of Living - Frequently Asked Questions

Jhelum is about 71% cheaper overall, especially in groceries, eating out, and clothing. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $596 in Jhelum to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,125 in Ubud, Bali versus $144 in Jhelum. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 305% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Jhelum – a meal for two runs $11 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $397 in Jhelum versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Jhelum but tight or insufficient in Ubud, Bali. The gap between the two cities makes Jhelum the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Jhelum are both considered safe, so it’s unlikely to be the deciding factor between them.