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 $1,408 per month in Ubud, Bali vs $399 in Karak, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $580 in Karak, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $760 in Karak, rent included.

Ubud, Bali costs about 253% more than Karak, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Karak is 70% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$0.69 PKR 192

400.00%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$6.88 PKR 1,909

370.06%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$5.45 PKR 1,514

-11.19%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.69 PKR 193

Imported Non-Alcoholic Beer (0.33 liter bottle)

$4.00 PKR 1,112

Cappuccino

$2.75 Rp 49.4K

$0.51 PKR 142

439.22%

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

$1.38 Rp 24.9K

$0.37 PKR 102

272.97%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.22 PKR 61.0

240.91%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

Milk (1 liter)

$1.74 Rp 31.2K

$1.01 PKR 280

72.28%

White Bread (500g)

$2.46 Rp 44.2K

$0.54 PKR 151

355.56%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.08 PKR 300

8.33%

Eggs

$2.43 Rp 43.7K

$1.08 PKR 300

125.00%

Local Cheese (1kg)

$14.50 Rp 260.6K

$1.72 PKR 478

743.02%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$2.76 PKR 767

57.61%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$4.28 PKR 1,189

179.91%

Apples (1kg)

$3.72 Rp 66.8K

$0.72 PKR 200

416.67%

Banana (1kg)

$1.63 Rp 29.2K

$0.51 PKR 141

219.61%

Oranges (1kg)

$2.74 Rp 49.3K

$0.73 PKR 203

275.34%

Tomato (1kg)

$2.24 Rp 40.3K

$0.59 PKR 164

279.66%

Potato (1kg)

$1.92 Rp 34.5K

$0.39 PKR 107

392.31%

Onion (1kg)

$2.28 Rp 40.9K

$0.54 PKR 150

322.22%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.19 PKR 52.6

457.89%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.24 PKR 66.2

200.00%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.42 PKR 393

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.88 PKR 243

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.03 PKR 565

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$2.17 PKR 602

51.61%

Wine (Bottle)

$23.19 Rp 416.8K

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$0.20 PKR 56.0

35.00%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$7.02 PKR 1,948

15.53%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$0.85 PKR 235

-43.53%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$0.41 PKR 113

2.44%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$2.89 PKR 803

115.22%

Gasoline (1 liter)

$0.81 Rp 14.6K

$0.96 PKR 267

-15.62%

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

$26.6K Rp 478.2M

$21.6K PKR 6.0M

23.11%

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

$32.2K Rp 578.5M

$26.6K PKR 7.4M

20.83%

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

$78.4 Rp 1.4M

$111 PKR 30.8K

-29.34%

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

$4.07 Rp 73.1K

$5.58 PKR 1,549

-27.06%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$18.84 PKR 5,232

29.14%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$12.33 PKR 3,425

699.76%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$5.91 PKR 1,640

7.28%

Cinema Ticket

$3.99 Rp 71.6K

$4.21 PKR 1,169

-5.23%

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

$305 Rp 5.5M

$60.6 PKR 16.8K

403.68%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$1,112 PKR 308.7K

497.46%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$21.53 PKR 5,979

151.46%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$28.08 PKR 7,796

34.65%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$88.5 PKR 24.6K

-1.82%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$40.05 PKR 11.1K

90.64%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$75.1 PKR 20.9K

1220.42%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$52.1 PKR 14.5K

1192.47%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$166 PKR 46.2K

1927.14%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$105 PKR 29.2K

1852.19%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$1,009 PKR 280.1K

178.01%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$434 PKR 120.5K

413.16%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

20.2

-34.26%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Karak: July 13, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $75.1 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 $32.00 in Ubud, Bali versus $7.00 in Karak. Monthly groceries follow the same trend: $297 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 253% 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 $2,112 per month in Ubud, Bali and $599 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 16% less in Karak. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $305 per month in Ubud, Bali and $60.6 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 $399, than in Ubud, Bali at $1,408. 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 $399 versus $1,408 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.