Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Karachi

For one person, living is cheaper in Karachi: $495 a month against $1,349 in Ubud, Bali, rent and utilities included – about $10,200 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
24

Cost of Living Index in Karachi
Learn more

Karachi Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Karachi

🇵🇰 Pakistan

$495

/mo nomad

Monthly Cost of Living

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

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 Karachi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $495 in Karachi.

Ubud, Bali $1,349
Karachi $495

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $770 in Karachi.

Ubud, Bali $2,305
Karachi $770

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,046 in Karachi.

Ubud, Bali $3,261
Karachi $1,046

Living in Ubud, Bali is roughly 173% more expensive than in Karachi, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$2.21 PKR 610

50.23%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$12.87 PKR 3,562

176.92%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$5.27 PKR 1,459

4.93%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.16 PKR 598

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.36 PKR 2,036

Cappuccino

$2.72 Rp 49.3K

$2.16 PKR 598

25.93%

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

$1.70 Rp 30.8K

$0.38 PKR 106

347.37%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.25 PKR 69.3

204.00%

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

$0.90 PKR 248

65.56%

White Bread (500g)

$2.28 Rp 41.2K

$0.52 PKR 143

338.46%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.20 PKR 331

-0.83%

Eggs

$2.04 Rp 36.9K

$1.25 PKR 346

63.20%

Local Cheese (1kg)

$17.70 Rp 320.8K

$5.82 PKR 1,611

204.12%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$3.11 PKR 860

27.33%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$6.53 PKR 1,807

86.68%

Apples (1kg)

$3.66 Rp 66.2K

$1.28 PKR 354

185.94%

Banana (1kg)

$1.52 Rp 27.5K

$0.54 PKR 149

181.48%

Oranges (1kg)

$2.23 Rp 40.4K

$1.02 PKR 283

118.63%

Tomato (1kg)

$1.97 Rp 35.7K

$0.56 PKR 155

251.79%

Potato (1kg)

$1.85 Rp 33.5K

$0.34 PKR 94.9

444.12%

Onion (1kg)

$2.42 Rp 43.9K

$0.31 PKR 87.0

680.65%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.41 PKR 113

141.46%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.43 PKR 120

18.60%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.28 PKR 355

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.33 PKR 368

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.45 PKR 678

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$1.78 PKR 492

24.72%

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

$0.28 PKR 77.1

-10.71%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$11.70 PKR 3,237

-33.16%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$0.92 PKR 254

-52.17%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$0.73 PKR 203

-41.10%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$2.22 PKR 615

143.69%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.33 PKR 369

-38.35%

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

$23.8K Rp 432.0M

$18.3K PKR 5.1M

30.58%

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

$31.7K Rp 575.3M

$26.4K PKR 7.3M

20.35%

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

$79.1 Rp 1.4M

$112 PKR 31.0K

-29.52%

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

$6.45 Rp 116.8K

$5.99 PKR 1,656

7.68%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$13.18 PKR 3,648

40.97%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$24.67 PKR 6,825

100.57%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$18.29 PKR 5,061

-3.50%

Cinema Ticket

$4.27 Rp 77.4K

$4.34 PKR 1,201

-1.61%

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

$491 Rp 8.9M

$67.2 PKR 18.6K

629.97%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$1,915 PKR 529.8K

196.29%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$17.61 PKR 4,873

153.49%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$22.03 PKR 6,096

58.65%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$68.3 PKR 18.9K

16.92%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$40.66 PKR 11.3K

95.33%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$136 PKR 37.6K

726.85%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$82.2 PKR 22.7K

717.30%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$392 PKR 108.5K

809.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$207 PKR 57.2K

733.52%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$1,046 PKR 289.5K

161.10%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$482 PKR 133.2K

374.31%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$184 PKR 51.0K

-11.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.21

4.31%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Karachi: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Karachi

$82 16.6% 87.8% $589

Groceries & Markets

Ubud, Bali

$288 21.4%

Karachi

$102 20.5% 64.8% $187

Eating Out

Ubud, Bali

$108 8%

Karachi

$62 12.5% 42.5% $46

Clothing & Footwear

Ubud, Bali

$108 8%

Karachi

$67 13.5% 37.8% $41

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Karachi

$131 26.6% 26.2% $27

Sport & Entertainment

Ubud, Bali

$58 4.3%

Karachi

$33 6.7% 42.5% $25

Getting Around

Ubud, Bali

$11 0.9%

Karachi

$17 3.5% 52.4% $6

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $136 in Karachi. Housing cost is often the main lever when comparing two cities.

Karachi pays 13% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $13 in Karachi for a mid-range dinner for two. Groceries echo the gap at $288 vs $102 per month, with Karachi cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Karachi

🕒 Local time

04:20 4:20 AM

01:20 1:20 AM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

14,910,352

💱 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 1, 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 1, 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

Lowest

Highest

Between locations

Ubud, Bali Karachi 6,410 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Karachi

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 Karachi: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $495 in Karachi, so Karachi is about 63% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 11% lower in Ubud, Bali. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,125 in Ubud, Bali versus $136 in Karachi. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $495 in Karachi – Karachi is about 63% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 33% less than in Karachi. The price difference matters if you commute daily and watch your budget.

At $495 in Karachi versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Karachi but tight or insufficient in Ubud, Bali. The gap between the two cities makes Karachi 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.