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

Monthly Cost of Living

A single person spends $1,394 per month in Ubud, Bali vs $393 in Karwar, rent included.

A couple spends around $2,551 per month in Ubud, Bali vs $626 in Karwar, rent included.

A family of three spends $3,708 per month in Ubud, Bali vs $858 in Karwar, rent included.

Ubud, Bali costs about 254% more than Karwar, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Karwar is 70% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.40 Rp 60.2K

$2.56 ₹242

32.81%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 573.6K

$13.04 ₹1,234

148.31%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 88.6K

$3.99 ₹377

25.31%

Cappuccino

$2.82 Rp 50.0K

$2.09 ₹198

34.93%

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

$1.38 Rp 24.4K

$0.48 ₹45.55

187.50%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$0.19 ₹18.22

284.21%

Local Beer (0.5 liter draught)

$2.98 Rp 52.8K

$2.30 ₹218

29.57%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.3K

$2.95 ₹279

34.58%

Milk (1 liter)

$1.79 Rp 31.8K

$0.57 ₹53.7

214.04%

White Bread (500g)

$2.46 Rp 43.7K

$0.46 ₹43.48

434.78%

Rice (white) (1kg)

$1.20 Rp 21.2K

$0.68 ₹64.4

76.47%

Eggs

$2.39 Rp 42.3K

$0.97 ₹91.8

146.39%

Local Cheese (1kg)

$14.40 Rp 255.1K

$4.23 ₹400

240.43%

Chicken Fillets (1kg)

$4.28 Rp 75.9K

$2.82 ₹267

51.77%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

Apples (1kg)

$3.78 Rp 67.0K

$1.84 ₹174

105.43%

Banana (1kg)

$1.63 Rp 28.9K

$0.64 ₹60.7

154.69%

Oranges (1kg)

$2.80 Rp 49.6K

$0.96 ₹90.4

191.67%

Tomato (1kg)

$2.26 Rp 40.0K

$0.46 ₹43.59

391.30%

Potato (1kg)

$2.00 Rp 35.3K

$0.46 ₹43.47

334.78%

Onion (1kg)

$2.21 Rp 39.2K

$0.46 ₹43.12

380.43%

Lettuce (1 head)

$1.07 Rp 18.9K

$0.36 ₹34.28

197.22%

Water (1.5 liter bottle)

$0.76 Rp 13.5K

$0.28 ₹26.29

171.43%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.4K

$3.22 ₹304

-2.80%

Wine (Bottle)

$23.81 Rp 421.9K

$6.38 ₹603

273.20%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.3K

$1.65 ₹156

72.12%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.2K

$4.24 ₹401

-34.43%

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

$4.39 ₹416

One-way Ticket (Public Transport)

$0.27 Rp 4,726

$0.28 ₹26.22

-3.57%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 148.2K

$8.74 ₹827

-4.23%

Taxi Start (Normal Tariff)

$0.45 Rp 8,034

$0.56 ₹53.1

-19.64%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,578

$0.24 ₹22.83

79.17%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 105.9K

$0.56 ₹52.5

967.86%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.22 ₹115

-34.43%

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

$25.8K Rp 457.2M

$11.6K ₹1.1M

123.06%

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

$31.8K Rp 563.4M

$17.7K ₹1.7M

79.52%

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

$80.7 Rp 1.4M

$31.51 ₹2,981

156.24%

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

$4.14 Rp 73.3K

$3.20 ₹302

29.37%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 427.2K

$7.12 ₹673

238.76%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$16.07 ₹1,520

508.28%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 117.7K

$7.00 ₹663

-5.14%

Cinema Ticket

$4.04 Rp 71.5K

$2.98 ₹282

35.57%

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

$297 Rp 5.3M

$61.7 ₹5,840

381.18%

International Primary School, 1 Child (Yearly)

$6,590 Rp 116.7M

$962 ₹91.0K

585.32%

Jeans (Levis 501 Or Similar)

$55.1 Rp 976.8K

$33.11 ₹3,133

66.54%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 682.1K

$30.25 ₹2,862

27.31%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$34.74 ₹3,287

147.93%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$34.49 ₹3,263

126.01%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.5M

$123 ₹11.7K

697.82%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$76.9 ₹7,278

764.14%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.0M

$269 ₹25.5K

1178.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.2M

$182 ₹17.2K

1022.43%

Buy Apartment in City Center (m2)

$2,829 Rp 50.1M

$971 ₹91.8K

191.44%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.4M

$519 ₹49.1K

339.67%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$480 ₹45.4K

-64.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

7.69

72.69%

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

Last update for Ubud, Bali: June 14, 2026

Last update for Karwar: June 14, 2026

Cost Breakdown

A central one-bedroom costs $985 in Ubud, Bali versus $123 in Karwar. 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 184% higher in Karwar, 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 $13.00 in Karwar. Monthly groceries follow the same trend: $299 vs $99.0 – making Karwar 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 Karwar: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 254%, and the gap shows up most in Groceries & Markets. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,091 per month in Ubud, Bali and $590 in Karwar. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $32.00 in Ubud, Bali and $13.00 in Karwar. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,394 in Ubud, Bali and $393 in Karwar. The difference isn't just one category – it shows up across housing, food, transport, and services.

A $1,500 monthly budget goes further in Karwar, where all-in costs run around $393, than in Ubud, Bali at $1,394. In Karwar it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Karwar – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Karwar. 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.