Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Karnataka

For one person, living is cheaper in Karnataka: $327 a month against $1,331 in Ubud, Bali, rent and utilities included – about $12,000 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
16

Cost of Living Index in Karnataka
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Karnataka Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Karnataka

🇮🇳 India

$327

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $327 in Karnataka, rent included.

Ubud, Bali $1,331
Karnataka $327

A couple spends around $2,255 per month in Ubud, Bali vs $539 in Karnataka, rent included.

Ubud, Bali $2,255
Karnataka $539

A family of three spends $3,180 per month in Ubud, Bali vs $752 in Karnataka, rent included.

Ubud, Bali $3,180
Karnataka $752

Ubud, Bali costs about 307% more than Karnataka, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Karnataka are more affordable than the global median – Ubud, Bali 2% lower, Karnataka 76% lower.

Meal at Budget Restaurant

$3.38 Rp 60.9K

$1.03 ₹97.4

228.16%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 625.4K

$10.88 ₹1,028

218.47%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.6K

$3.61 ₹341

54.29%

Cappuccino

$2.62 Rp 47.3K

$0.93 ₹87.6

181.72%

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

$1.54 Rp 27.8K

$0.42 ₹39.69

266.67%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.14 ₹13.35

357.14%

Local Beer (0.5 liter draught)

$2.67 Rp 48.1K

$1.88 ₹178

42.02%

Imported Beer (0.33 liter bottle)

$4.26 Rp 76.9K

$2.13 ₹201

100.00%

Milk (1 liter)

$1.46 Rp 26.4K

$0.52 ₹49.31

180.77%

White Bread (500g)

$2.29 Rp 41.4K

$0.45 ₹42.20

408.89%

Rice (white) (1kg)

$1.11 Rp 20.0K

$0.85 ₹80.1

30.59%

Eggs

$2.10 Rp 37.9K

$0.88 ₹83.3

138.64%

Local Cheese (1kg)

$15.94 Rp 287.7K

$5.74 ₹542

177.70%

Chicken Fillets (1kg)

$3.88 Rp 70.1K

$3.44 ₹325

12.79%

Beef Round Steak (1kg)

$11.40 Rp 205.8K

Apples (1kg)

$3.55 Rp 64.1K

$1.77 ₹167

100.56%

Banana (1kg)

$1.54 Rp 27.7K

$0.46 ₹43.47

234.78%

Oranges (1kg)

$2.23 Rp 40.2K

$0.83 ₹78.4

168.67%

Tomato (1kg)

$1.97 Rp 35.6K

$0.31 ₹28.84

535.48%

Potato (1kg)

$1.86 Rp 33.5K

$0.36 ₹33.57

416.67%

Onion (1kg)

$2.42 Rp 43.6K

$0.44 ₹41.50

450.00%

Lettuce (1 head)

$1.02 Rp 18.5K

$0.25 ₹23.59

308.00%

Water (1.5 liter bottle)

$0.52 Rp 9,427

$0.27 ₹25.67

92.59%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

$1.62 ₹153

35.80%

Wine (Bottle)

$21.79 Rp 393.2K

$4.39 ₹414

396.36%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

$1.97 ₹186

18.27%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.6K

$2.42 ₹228

22.73%

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

$2.26 ₹214

One-way Ticket (Public Transport)

$0.25 Rp 4,519

$0.23 ₹21.75

8.70%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.5K

$7.07 ₹667

15.56%

Taxi Start (Normal Tariff)

$0.44 Rp 7,901

$0.54 ₹51.2

-18.52%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,446

$0.28 ₹26.19

67.86%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.1K

$2.13 ₹201

162.91%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.97 ₹91.5

-14.43%

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

$24.4K Rp 441.3M

$6,213 ₹586.9K

293.46%

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

$31.7K Rp 572.1M

$12.5K ₹1.2M

152.60%

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

$77.5 Rp 1.4M

$17.67 ₹1,669

338.48%

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

$6.14 Rp 110.9K

$3.75 ₹354

63.73%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.4K

$3.08 ₹291

514.29%

Gym Membership (Monthly)

$51.0 Rp 920.4K

$15.06 ₹1,423

238.58%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.4K

$6.43 ₹608

183.83%

Cinema Ticket

$4.38 Rp 79.1K

$2.58 ₹243

69.77%

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

$492 Rp 8.9M

$44.31 ₹4,186

1011.31%

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.6M

$1,152 ₹108.8K

961.14%

Jeans (Levis 501 Or Similar)

$45.16 Rp 815.1K

$18.20 ₹1,719

148.13%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 629.7K

$19.28 ₹1,822

80.96%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$52.9 ₹4,998

48.02%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$20.80 ₹1,965

274.38%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.4M

$121 ₹11.5K

788.18%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.0M

$79.1 ₹7,471

740.68%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.4M

$272 ₹25.7K

1192.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

$194 ₹18.3K

761.65%

Buy Apartment in City Center (m2)

$2,340 Rp 42.2M

$917 ₹86.6K

155.23%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.4M

$529 ₹50.0K

322.58%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$526 ₹49.7K

-68.37%

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: November 1, 2026

Last update for Karnataka: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Karnataka

$79 24.2% 88.1% $586

Groceries & Markets

Ubud, Bali

$279 21%

Karnataka

$97 29.7% 65.2% $182

Clothing & Footwear

Ubud, Bali

$106 8%

Karnataka

$50 15.3% 52.9% $56

Eating Out

Ubud, Bali

$106 8%

Karnataka

$46 14.1% 56.4% $60

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Karnataka

$25 7.5% 76.1% $78

Sport & Entertainment

Ubud, Bali

$60 4.5%

Karnataka

$20 6.2% 66.2% $40

Getting Around

Ubud, Bali

$12 0.9%

Karnataka

$9.9 3% 17.1% $2

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $121 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 in Karnataka are about 3.2 times higher, 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 $35 in Ubud, Bali versus $11 in Karnataka. Monthly groceries follow the same trend: $279 vs $97 – making Karnataka the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Karnataka

🕒 Local time

21:22 9:22 PM

18:52 6:52 PM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

77,139

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.54 USD

100,000 IDR = 4.93 EUR

1,000 INR = 10.59 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,271 IDR (100,000 IDR = 4.93 EUR).

Indian Rupee exchange rates as of November 6, 2026: 1 USD = 94.47 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Karnataka 5,220 km ≈ 7 h nonstop flight

From you

Ubud, Bali
Karnataka

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 Karnataka: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 307% more than Karnataka, 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 $1,996 per month in Ubud, Bali and $491 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: a one-bedroom in the center costs $121 there versus $1,078 in Ubud, Bali.

Public transport costs about 13% less in Karnataka. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $492 per month in Ubud, Bali and $44 in Karnataka. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $800 monthly budget goes further in Karnataka, where all-in costs run around $327, than in Ubud, Bali at $1,331. 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 $327 versus $1,331 in Ubud, Bali. Both appeal to remote workers, and the cost gap matters when income varies month to month.

For expats, Karnataka is the easier option financially – housing and daily costs are lower, and overall it costs about 75% less, which matters a lot on a fixed budget or early-career salary.