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 $1,438 per month in Ubud, Bali vs $330 in Karnataka, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $538 in Karnataka, rent included.

A family of three spends $3,732 per month in Ubud, Bali vs $746 in Karnataka, rent included.

Ubud, Bali costs about 336% more than Karnataka, driven mainly by Groceries & Markets.

Ubud, Bali sits 7% above the global median, while Karnataka is 75% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$1.14 ₹108

213.16%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$6.95 ₹659

368.78%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$3.43 ₹326

47.81%

Cappuccino

$2.83 Rp 49.0K

$1.17 ₹111

141.88%

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

$1.34 Rp 23.2K

$0.49 ₹46.45

173.47%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.16 ₹15.38

331.25%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$1.70 ₹161

75.88%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.27 ₹215

69.60%

Milk (1 liter)

$1.74 Rp 30.2K

$0.43 ₹40.72

304.65%

White Bread (500g)

$2.54 Rp 44.0K

$0.40 ₹37.85

535.00%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.64 ₹60.3

85.94%

Eggs

$2.43 Rp 42.0K

$0.69 ₹65.4

252.17%

Local Cheese (1kg)

$14.66 Rp 254.1K

$7.79 ₹740

88.19%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$3.24 ₹308

29.01%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

Apples (1kg)

$3.69 Rp 63.9K

$2.39 ₹227

54.39%

Banana (1kg)

$1.61 Rp 27.8K

$0.78 ₹73.9

106.41%

Oranges (1kg)

$2.69 Rp 46.5K

$0.84 ₹80.2

220.24%

Tomato (1kg)

$2.33 Rp 40.4K

$0.48 ₹45.84

385.42%

Potato (1kg)

$1.91 Rp 33.0K

$0.34 ₹32.02

461.76%

Onion (1kg)

$2.19 Rp 37.9K

$0.45 ₹42.45

386.67%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.45 ₹42.88

135.56%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.33 ₹31.63

118.18%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.53 ₹335

-11.33%

Wine (Bottle)

$23.49 Rp 407.1K

$4.53 ₹430

418.54%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.65 ₹157

66.06%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$2.98 ₹283

-3.36%

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

$4.55 ₹432

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.30 ₹28.59

-3.33%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$8.47 ₹804

-3.54%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.36 ₹34.30

25.00%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.34 ₹32.03

23.53%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$1.43 ₹136

330.77%

Gasoline (1 liter)

$0.84 Rp 14.6K

$0.83 ₹79.1

1.20%

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

$26.2K Rp 454.9M

$12.8K ₹1.2M

105.65%

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

$32.5K Rp 562.9M

$21.4K ₹2.0M

52.05%

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

$78.4 Rp 1.4M

$17.31 ₹1,643

353.03%

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

$3.95 Rp 68.5K

$3.38 ₹321

16.86%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$2.28 ₹217

970.18%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$15.62 ₹1,483

518.05%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$7.03 ₹668

-9.67%

Cinema Ticket

$4.04 Rp 70.0K

$2.98 ₹283

35.57%

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

$303 Rp 5.2M

$35.82 ₹3,401

744.86%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$996 ₹94.6K

554.61%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$20.43 ₹1,940

163.53%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$17.33 ₹1,645

119.16%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$33.24 ₹3,155

161.01%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$26.84 ₹2,548

193.82%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$123 ₹11.7K

724.48%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$77.4 ₹7,346

771.72%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$277 ₹26.3K

1121.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$178 ₹16.9K

1077.52%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$374 ₹35.5K

698.06%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$236 ₹22.4K

889.62%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$408 ₹38.8K

-57.61%

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: April 28, 2026

Last update for Karnataka: April 28, 2026

Cost Breakdown

A central one-bedroom costs $1,012 in Ubud, Bali versus $123 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 136% 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 $33.00 in Ubud, Bali versus $7.00 in Karnataka. Monthly groceries follow the same trend: $298 vs $107 – 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 336% 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 $2,158 per month in Ubud, Bali and $495 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 4% less in Karnataka. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $303 per month in Ubud, Bali and $35.82 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 $330, than in Ubud, Bali at $1,438. 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 $330 versus $1,438 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.