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 $1,419 per month in Ubud, Bali vs $407 in Karak, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $583 in Karak, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $759 in Karak, rent included.

Ubud, Bali costs about 249% more than Karak, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Karak is 70% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 64.3K

$0.74 PKR 205

381.08%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 590.3K

$7.00 PKR 1,948

367.57%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 89.2K

$5.27 PKR 1,467

-6.07%

Local Non-Alcoholic Beer (0.5 liter draught)

$0.68 PKR 189

Imported Non-Alcoholic Beer (0.33 liter bottle)

$4.00 PKR 1,112

Cappuccino

$2.71 Rp 48.9K

$0.51 PKR 141

431.37%

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

$1.34 Rp 24.2K

$0.34 PKR 93.3

294.12%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.24 PKR 66.9

191.67%

Local Beer (0.5 liter draught)

$2.92 Rp 52.7K

Imported Beer (0.33 liter bottle)

$3.96 Rp 71.4K

Milk (1 liter)

$1.81 Rp 32.6K

$1.00 PKR 277

81.00%

White Bread (500g)

$2.52 Rp 45.4K

$0.51 PKR 141

394.12%

Rice (white) (1kg)

$1.16 Rp 20.9K

$1.04 PKR 288

11.54%

Eggs

$2.46 Rp 44.4K

$1.09 PKR 303

125.69%

Local Cheese (1kg)

$14.71 Rp 265.3K

$1.81 PKR 503

712.71%

Chicken Fillets (1kg)

$4.32 Rp 77.9K

$2.82 PKR 784

53.19%

Beef Round Steak (1kg)

$12.14 Rp 218.9K

$4.29 PKR 1,194

182.98%

Apples (1kg)

$3.84 Rp 69.3K

$0.72 PKR 201

433.33%

Banana (1kg)

$1.56 Rp 28.1K

$0.55 PKR 153

183.64%

Oranges (1kg)

$2.83 Rp 51.1K

$0.72 PKR 202

293.06%

Tomato (1kg)

$2.33 Rp 41.9K

$0.55 PKR 154

323.64%

Potato (1kg)

$1.91 Rp 34.5K

$0.38 PKR 107

402.63%

Onion (1kg)

$2.20 Rp 39.7K

$0.57 PKR 158

285.96%

Lettuce (1 head)

$1.01 Rp 18.3K

$0.17 PKR 46.89

494.12%

Water (1.5 liter bottle)

$0.78 Rp 14.0K

$0.24 PKR 66.6

225.00%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.34 PKR 373

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.91 PKR 253

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.98 PKR 552

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.8K

$2.14 PKR 595

55.14%

Wine (Bottle)

$23.74 Rp 428.0K

Local Beer (0.5 liter bottle)

$2.79 Rp 50.3K

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.6K

One-way Ticket (Public Transport)

$0.27 Rp 4,848

$0.18 PKR 49.76

50.00%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 144.8K

$7.23 PKR 2,010

11.07%

Taxi Start (Normal Tariff)

$0.46 Rp 8,230

$0.86 PKR 240

-46.51%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,116

$0.44 PKR 121

2.27%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.9K

$2.84 PKR 791

114.79%

Gasoline (1 liter)

$0.79 Rp 14.3K

$0.97 PKR 269

-18.56%

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

$26.1K Rp 471.6M

$21.6K PKR 6.0M

21.11%

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

$32.1K Rp 579.2M

$26.4K PKR 7.4M

21.51%

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

$79.9 Rp 1.4M

$113 PKR 31.6K

-29.56%

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

$4.06 Rp 73.3K

$5.36 PKR 1,491

-24.25%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 424.1K

$18.48 PKR 5,141

27.27%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$12.19 PKR 3,391

709.68%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 119.6K

$6.05 PKR 1,684

9.59%

Cinema Ticket

$4.15 Rp 74.8K

$4.22 PKR 1,174

-1.66%

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

$304 Rp 5.5M

$59.1 PKR 16.5K

414.05%

International Primary School, 1 Child (Yearly)

$6,613 Rp 119.3M

$1,129 PKR 314.1K

485.73%

Jeans (Levis 501 Or Similar)

$55.5 Rp 1.0M

$21.57 PKR 6,001

157.49%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 690.9K

$27.73 PKR 7,714

38.15%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$90.1 PKR 25.1K

-1.68%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$40.80 PKR 11.4K

90.86%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.1M

$73.7 PKR 20.5K

1265.21%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.2M

$51.6 PKR 14.3K

1209.29%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 62.1M

$167 PKR 46.5K

1959.00%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.8M

$104 PKR 29.1K

1851.80%

Buy Apartment in City Center (m2)

$2,841 Rp 51.2M

$1,127 PKR 313.5K

152.14%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.8M

$580 PKR 161.3K

290.53%

Average Monthly Net Salary (After Tax)

$165 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: June 1, 2026

Last update for Karak: May 30, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $73.7 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 $33.00 in Ubud, Bali versus $7.00 in Karak. Monthly groceries follow the same trend: $302 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 249% 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 $2,129 per month in Ubud, Bali and $610 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 $304 per month in Ubud, Bali and $59.1 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 $407, than in Ubud, Bali at $1,419. 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 $407 versus $1,419 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.