Cost of Living Comparison Between Ubud, Bali and Karak Cost of Living Comparison Between Ubud, Bali and Karak

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $428 in Karak, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $625 in Karak, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $822 in Karak, rent included.

Ubud, Bali costs about 226% more than Karak, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Karak is 69% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$0.75 PKR 207

349.33%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.3K

$7.31 PKR 2,027

427.91%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$5.51 PKR 1,527

0.18%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.75 PKR 207

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.78 PKR 1,879

Cappuccino

$2.64 Rp 46.6K

$0.56 PKR 155

371.43%

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

$1.67 Rp 29.5K

$0.36 PKR 98.9

363.89%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.22 PKR 60.7

250.00%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

Milk (1 liter)

$1.55 Rp 27.3K

$0.94 PKR 261

64.89%

White Bread (500g)

$2.22 Rp 39.2K

$0.57 PKR 157

289.47%

Rice (white) (1kg)

$1.13 Rp 19.8K

$1.09 PKR 302

3.67%

Eggs

$2.09 Rp 36.8K

$1.11 PKR 308

88.29%

Local Cheese (1kg)

$17.39 Rp 306.6K

$1.77 PKR 490

882.49%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$2.87 PKR 795

34.84%

Beef Round Steak (1kg)

$12.55 Rp 221.2K

$4.35 PKR 1,205

188.51%

Apples (1kg)

$3.62 Rp 63.8K

$0.69 PKR 191

424.64%

Banana (1kg)

$1.56 Rp 27.5K

$0.52 PKR 144

200.00%

Oranges (1kg)

$2.35 Rp 41.5K

$0.73 PKR 203

221.92%

Tomato (1kg)

$2.06 Rp 36.2K

$0.48 PKR 134

329.17%

Potato (1kg)

$1.90 Rp 33.5K

$0.29 PKR 81.1

555.17%

Onion (1kg)

$2.34 Rp 41.2K

$0.32 PKR 89.6

631.25%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.16 PKR 43.33

543.75%

Water (1.5 liter bottle)

$0.55 Rp 9,779

$0.26 PKR 72.7

111.54%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.85 PKR 512

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.33 PKR 368

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.44 PKR 676

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$2.30 PKR 638

-2.17%

Wine (Bottle)

$23.81 Rp 419.7K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.16 PKR 45.06

68.75%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

$8.59 PKR 2,383

0.81%

Taxi Start (Normal Tariff)

$0.48 Rp 8,489

$1.28 PKR 355

-62.50%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,863

$0.73 PKR 203

-38.36%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$1.58 PKR 437

262.03%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.25 PKR 347

-39.20%

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

$24.5K Rp 431.6M

$21.9K PKR 6.1M

11.97%

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

$32.1K Rp 566.3M

$25.5K PKR 7.1M

25.76%

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

$83.6 Rp 1.5M

$103 PKR 28.5K

-18.86%

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

$6.46 Rp 113.8K

$5.81 PKR 1,611

11.19%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.8K

$16.19 PKR 4,489

17.29%

Gym Membership (Monthly)

$56.0 Rp 986.8K

$16.60 PKR 4,601

237.17%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

Cinema Ticket

$4.28 Rp 75.5K

$4.78 PKR 1,326

-10.46%

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

$487 Rp 8.6M

$75.3 PKR 20.9K

545.94%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.2M

$996 PKR 276.1K

488.09%

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.2K

$23.90 PKR 6,626

90.63%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.4K

$31.81 PKR 8,819

14.37%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$81.8 PKR 22.7K

0.26%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$39.51 PKR 11.0K

103.49%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$130 PKR 35.9K

761.97%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$84.3 PKR 23.4K

731.25%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

$285 PKR 79.0K

1140.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

$155 PKR 43.0K

1035.69%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

$804 PKR 222.9K

251.51%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

$585 PKR 162.2K

291.62%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.08

5.35%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Karak: August 30, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $130 in Karak. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $7.00 in Karak. Monthly groceries follow the same trend: $293 vs $74.0 – making Karak the more affordable choice for daily food spending.

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 Karak: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 226% more than Karak, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $642 in Karak. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Karak, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 1% less in Karak. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $487 per month in Ubud, Bali and $75.3 in Karak. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Karak, where all-in costs run around $428, than in Ubud, Bali at $1,396. In Karak it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Karak costs $428 versus $1,396 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Karak. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.