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

Monthly Cost of Living

A single person spends $1,368 per month in Ubud, Bali vs $293 in Karnataka, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $519 in Karnataka, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $744 in Karnataka, rent included.

Ubud, Bali costs about 367% more than Karnataka, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Karnataka is 79% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$1.02 ₹98.3

237.25%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$10.90 ₹1,045

233.12%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$3.58 ₹343

59.50%

Cappuccino

$2.67 Rp 47.3K

$0.89 ₹85.8

200.00%

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

$1.75 Rp 31.0K

$0.44 ₹42.38

297.73%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.17 ₹16.26

411.76%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$1.85 ₹177

59.46%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$2.08 ₹199

117.31%

Milk (1 liter)

$1.62 Rp 28.7K

$0.52 ₹50.3

211.54%

White Bread (500g)

$2.33 Rp 41.3K

$0.45 ₹43.07

417.78%

Rice (white) (1kg)

$1.11 Rp 19.6K

$0.82 ₹79.1

35.37%

Eggs

$2.20 Rp 39.0K

$0.81 ₹77.8

171.60%

Local Cheese (1kg)

$17.69 Rp 313.3K

$5.55 ₹533

218.74%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$3.24 ₹311

26.54%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

Apples (1kg)

$3.71 Rp 65.6K

$1.74 ₹167

113.22%

Banana (1kg)

$1.59 Rp 28.1K

$0.48 ₹46.45

231.25%

Oranges (1kg)

$2.28 Rp 40.4K

$0.86 ₹82.9

165.12%

Tomato (1kg)

$1.95 Rp 34.6K

$0.32 ₹30.97

509.38%

Potato (1kg)

$1.91 Rp 33.7K

$0.36 ₹34.91

430.56%

Onion (1kg)

$2.33 Rp 41.3K

$0.44 ₹41.75

429.55%

Lettuce (1 head)

$1.01 Rp 17.8K

$0.27 ₹26.04

274.07%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.29 ₹27.97

89.66%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$2.39 ₹230

-6.69%

Wine (Bottle)

$23.07 Rp 408.6K

$4.33 ₹415

432.79%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.81 ₹174

33.70%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.38 ₹229

26.05%

Buffalo Round (or Equivalent Back Leg Red Meat) (1kg)

$4.63 ₹444

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.27 ₹26.08

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$10.63 ₹1,020

-15.52%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.53 ₹51.2

-9.43%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.32 ₹31.09

34.37%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$2.11 ₹202

167.30%

Gasoline (1 liter)

$0.80 Rp 14.2K

$0.96 ₹92.1

-16.67%

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

$24.9K Rp 441.7M

$6,381 ₹612.2K

290.94%

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

$31.7K Rp 561.5M

$12.4K ₹1.2M

155.56%

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

$81.5 Rp 1.4M

$18.08 ₹1,734

350.55%

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

$6.49 Rp 115.0K

$3.57 ₹343

81.79%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$3.15 ₹302

495.87%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$12.86 ₹1,233

342.22%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$5.32 ₹510

252.07%

Cinema Ticket

$4.54 Rp 80.4K

$2.62 ₹251

73.28%

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

$481 Rp 8.5M

$43.12 ₹4,137

1014.73%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$1,170 ₹112.2K

388.22%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$18.54 ₹1,779

145.52%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$18.60 ₹1,784

92.90%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$51.5 ₹4,937

56.22%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$20.46 ₹1,963

284.51%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$74.4 ₹7,142

1397.22%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$51.8 ₹4,966

1247.86%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$225 ₹21.6K

1516.36%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$202 ₹19.4K

760.10%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$367 ₹35.2K

657.89%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$228 ₹21.9K

902.94%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$527 ₹50.6K

-68.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.9

74.43%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Karnataka: September 12, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $74.4 in Karnataka. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 214% higher in Karnataka, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36.00 in Ubud, Bali versus $11.00 in Karnataka. Monthly groceries follow the same trend: $295 vs $95.0 – making Karnataka 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 Karnataka: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 367% more than Karnataka, 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 $2,052 per month in Ubud, Bali and $440 in Karnataka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 18% less in Karnataka. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $481 per month in Ubud, Bali and $43.12 in Karnataka. 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 Karnataka, where all-in costs run around $293, than in Ubud, Bali at $1,368. In Karnataka 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. Karnataka costs $293 versus $1,368 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 Karnataka. 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.