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 $1,394 per month in Ubud, Bali vs $335 in Karnataka, rent included.

A couple spends around $2,551 per month in Ubud, Bali vs $543 in Karnataka, rent included.

A family of three spends $3,708 per month in Ubud, Bali vs $752 in Karnataka, rent included.

Ubud, Bali costs about 316% more than Karnataka, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Karnataka is 75% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.40 Rp 60.6K

$1.18 ₹111

188.14%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 577.1K

$7.00 ₹660

362.57%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 89.1K

$3.52 ₹332

42.05%

Cappuccino

$2.82 Rp 50.3K

$1.13 ₹107

149.56%

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

$1.38 Rp 24.5K

$0.45 ₹42.84

206.67%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.14 ₹12.97

421.43%

Local Beer (0.5 liter draught)

$2.98 Rp 53.2K

$1.75 ₹165

70.29%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.8K

$2.27 ₹215

74.89%

Milk (1 liter)

$1.79 Rp 32.0K

$0.39 ₹36.80

358.97%

White Bread (500g)

$2.46 Rp 43.9K

$0.39 ₹37.02

530.77%

Rice (white) (1kg)

$1.20 Rp 21.4K

$0.61 ₹57.5

96.72%

Eggs

$2.39 Rp 42.6K

$0.72 ₹68.4

231.94%

Local Cheese (1kg)

$14.40 Rp 256.6K

$7.96 ₹751

80.90%

Chicken Fillets (1kg)

$4.28 Rp 76.4K

$3.21 ₹303

33.33%

Beef Round Steak (1kg)

$11.82 Rp 210.6K

Apples (1kg)

$3.78 Rp 67.4K

$2.37 ₹224

59.49%

Banana (1kg)

$1.63 Rp 29.1K

$0.81 ₹76.5

101.23%

Oranges (1kg)

$2.80 Rp 49.9K

$0.85 ₹79.7

229.41%

Tomato (1kg)

$2.26 Rp 40.3K

$0.52 ₹49.36

334.62%

Potato (1kg)

$2.00 Rp 35.6K

$0.34 ₹31.70

488.24%

Onion (1kg)

$2.21 Rp 39.4K

$0.44 ₹41.65

402.27%

Lettuce (1 head)

$1.07 Rp 19.1K

$0.48 ₹45.57

122.92%

Water (1.5 liter bottle)

$0.76 Rp 13.6K

$0.33 ₹31.50

130.30%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.7K

$3.39 ₹320

-7.67%

Wine (Bottle)

$23.81 Rp 424.4K

$4.46 ₹420

433.86%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.6K

$1.65 ₹155

72.12%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.5K

$2.83 ₹267

-1.77%

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

$4.74 ₹447

One-way Ticket (Public Transport)

$0.27 Rp 4,755

$0.28 ₹26.33

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 149.1K

$8.54 ₹806

-1.99%

Taxi Start (Normal Tariff)

$0.45 Rp 8,082

$0.34 ₹31.78

32.35%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,624

$0.33 ₹31.40

30.30%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 106.5K

$1.43 ₹135

318.18%

Gasoline (1 liter)

$0.80 Rp 14.3K

$0.84 ₹79.3

-4.76%

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

$25.8K Rp 459.9M

$12.9K ₹1.2M

100.56%

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

$31.8K Rp 566.8M

$21.2K ₹2.0M

50.12%

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

$80.7 Rp 1.4M

$17.62 ₹1,662

358.23%

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

$4.14 Rp 73.7K

$3.56 ₹336

16.29%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 429.8K

$2.30 ₹217

948.70%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$16.13 ₹1,521

506.01%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 118.4K

$6.90 ₹651

-3.77%

Cinema Ticket

$4.04 Rp 71.9K

$2.86 ₹270

41.26%

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

$297 Rp 5.3M

$36.32 ₹3,426

717.81%

International Primary School, 1 Child (Yearly)

$6,590 Rp 117.4M

$988 ₹93.2K

567.26%

Jeans (Levis 501 Or Similar)

$55.1 Rp 982.6K

$20.66 ₹1,949

166.89%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 686.2K

$17.27 ₹1,629

122.99%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$33.60 ₹3,169

156.34%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$26.98 ₹2,545

188.92%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.6M

$126 ₹11.8K

684.36%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$77.3 ₹7,290

760.11%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.4M

$279 ₹26.3K

1134.23%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.4M

$181 ₹17.1K

1027.95%

Buy Apartment in City Center (m2)

$2,829 Rp 50.4M

$960 ₹90.6K

194.55%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.7M

$519 ₹48.9K

339.79%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$521 ₹49.2K

-67.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

8.38

58.47%

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

Last update for Ubud, Bali: June 14, 2026

Last update for Karnataka: June 15, 2026

Cost Breakdown

A central one-bedroom costs $985 in Ubud, Bali versus $126 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 208% 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 $32.00 in Ubud, Bali versus $7.00 in Karnataka. Monthly groceries follow the same trend: $299 vs $106 – 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 316% 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 $2,091 per month in Ubud, Bali and $502 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 2% less in Karnataka. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $297 per month in Ubud, Bali and $36.32 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 $335, than in Ubud, Bali at $1,394. 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 $335 versus $1,394 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.