Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Karak

For one person, living is cheaper in Karak: $434 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,000 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
21

Cost of Living Index in Karak
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Karak Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Karak

🇵🇰 Pakistan

$434

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $434 in Karak, rent included.

Ubud, Bali $1,353
Karak $434

A couple spends around $2,297 per month in Ubud, Bali vs $636 in Karak, rent included.

Ubud, Bali $2,297
Karak $636

A family of three spends $3,241 per month in Ubud, Bali vs $838 in Karak, rent included.

Ubud, Bali $3,241
Karak $838

Ubud, Bali costs about 212% more than Karak, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Karak is 68% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$0.70 PKR 193

361.43%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$7.41 PKR 2,050

370.72%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.38 PKR 1,489

5.95%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.73 PKR 203

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.01 PKR 1,939

Cappuccino

$2.62 Rp 47.1K

$0.57 PKR 157

359.65%

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

$1.72 Rp 31.0K

$0.36 PKR 98.5

377.78%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.23 PKR 63.9

252.17%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$1.57 Rp 28.3K

$0.93 PKR 258

68.82%

White Bread (500g)

$2.19 Rp 39.5K

$0.53 PKR 145

313.21%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.05 PKR 292

12.38%

Eggs

$2.16 Rp 38.8K

$1.10 PKR 304

96.36%

Local Cheese (1kg)

$17.65 Rp 317.7K

$1.78 PKR 492

891.57%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$2.93 PKR 810

29.01%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$4.41 PKR 1,221

170.98%

Apples (1kg)

$3.60 Rp 64.8K

$0.69 PKR 192

421.74%

Banana (1kg)

$1.59 Rp 28.6K

$0.55 PKR 153

189.09%

Oranges (1kg)

$2.31 Rp 41.6K

$0.75 PKR 207

208.00%

Tomato (1kg)

$1.91 Rp 34.3K

$0.52 PKR 144

267.31%

Potato (1kg)

$1.78 Rp 32.1K

$0.29 PKR 80.5

513.79%

Onion (1kg)

$2.33 Rp 41.9K

$0.38 PKR 106

513.16%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.17 PKR 48.32

488.24%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.24 PKR 65.8

120.83%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.86 PKR 515

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.19 PKR 331

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.35 PKR 652

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.33 PKR 645

-1.72%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.19 PKR 51.7

21.05%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$9.86 PKR 2,730

-9.74%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.23 PKR 341

-61.79%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.70 PKR 194

-38.57%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$1.58 PKR 438

246.20%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.38 PKR 381

-39.86%

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

$23.9K Rp 429.8M

$21.8K PKR 6.0M

9.66%

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

$32.8K Rp 590.1M

$24.3K PKR 6.7M

34.86%

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

$80.0 Rp 1.4M

$101 PKR 27.9K

-20.53%

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

$6.56 Rp 118.1K

$6.03 PKR 1,669

8.79%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$16.84 PKR 4,660

10.45%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$14.67 PKR 4,061

268.92%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$8.25 PKR 2,282

121.58%

Cinema Ticket

$4.25 Rp 76.5K

$4.24 PKR 1,172

0.24%

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

$493 Rp 8.9M

$76.0 PKR 21.0K

548.11%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$1,060 PKR 293.3K

428.16%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$26.54 PKR 7,346

71.74%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$35.24 PKR 9,753

-0.79%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$97.5 PKR 27.0K

-20.32%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$41.37 PKR 11.4K

89.80%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$128 PKR 35.5K

781.70%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$77.1 PKR 21.3K

772.85%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$258 PKR 71.3K

1301.53%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$147 PKR 40.8K

1055.75%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$922 PKR 255.1K

194.82%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$486 PKR 134.5K

361.10%

Average Monthly Net Salary (After Tax)

$166 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: October 19, 2026

Last update for Karak: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Karak

$77 17.8% 88.5% $596

Groceries & Markets

Ubud, Bali

$287 21.2%

Karak

$74 17% 74.3% $213

Clothing & Footwear

Ubud, Bali

$107 7.9%

Karak

$90 20.8% 15.2% $16

Eating Out

Ubud, Bali

$106 7.9%

Karak

$31 7.1% 71% $76

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Karak

$124 28.5% 17.5% $18

Sport & Entertainment

Ubud, Bali

$63 4.6%

Karak

$23 5.3% 63% $39

Getting Around

Ubud, Bali

$12 0.9%

Karak

$15 3.5% 23.4% $2.9

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $128 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 $35.00 in Ubud, Bali versus $7.00 in Karak. Monthly groceries follow the same trend: $287 vs $74.0 – making Karak the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Karak

🕒 Local time

01:00 1:00 AM

22:00 10:00 PM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

51,149

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 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 October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Karak 6,570 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Karak

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 Karak: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 212% more than Karak, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $651 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 11% less in Karak. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $493 per month in Ubud, Bali and $76.0 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 $434, than in Ubud, Bali at $1,353. 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 $434 versus $1,353 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.