Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Karwar

For one person, living is cheaper in Karwar: $359 a month against $1,331 in Ubud, Bali, rent and utilities included – about $11,700 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
17

Cost of Living Index in Karwar
Learn more

Karwar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Karwar

🇮🇳 India

$359

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,331 per month in Ubud, Bali vs $359 in Karwar, rent included.

Ubud, Bali $1,331
Karwar $359

A couple spends around $2,255 per month in Ubud, Bali vs $585 in Karwar, rent included.

Ubud, Bali $2,255
Karwar $585

A family of three spends $3,180 per month in Ubud, Bali vs $810 in Karwar, rent included.

Ubud, Bali $3,180
Karwar $810

Ubud, Bali costs about 270% more than Karwar, and outside of rent the biggest gap is in groceries.

Both Ubud, Bali and Karwar are more affordable than the global median – Ubud, Bali 2% lower, Karwar 73% lower.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$3.20 ₹304

5.62%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.8K

$11.78 ₹1,116

194.14%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$4.24 ₹402

31.37%

Cappuccino

$2.62 Rp 47.5K

$1.97 ₹187

32.99%

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

$1.54 Rp 27.9K

$0.40 ₹37.74

285.00%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$0.17 ₹15.80

276.47%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$2.16 ₹204

23.61%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$2.30 ₹218

85.22%

Milk (1 liter)

$1.46 Rp 26.5K

$0.51 ₹47.96

186.27%

White Bread (500g)

$2.29 Rp 41.6K

$0.41 ₹38.46

458.54%

Rice (white) (1kg)

$1.11 Rp 20.1K

$0.59 ₹55.6

88.14%

Eggs

$2.10 Rp 38.1K

$0.89 ₹84.7

135.96%

Local Cheese (1kg)

$15.94 Rp 289.3K

$3.63 ₹344

339.12%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$2.51 ₹238

54.58%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

Apples (1kg)

$3.55 Rp 64.5K

$1.53 ₹145

132.03%

Banana (1kg)

$1.54 Rp 27.9K

$0.62 ₹59.1

148.39%

Oranges (1kg)

$2.23 Rp 40.5K

$0.87 ₹82.8

156.32%

Tomato (1kg)

$1.97 Rp 35.8K

$0.37 ₹34.65

432.43%

Potato (1kg)

$1.86 Rp 33.7K

$0.41 ₹38.42

353.66%

Onion (1kg)

$2.42 Rp 43.9K

$0.36 ₹34.01

572.22%

Lettuce (1 head)

$1.02 Rp 18.6K

$0.33 ₹31.51

209.09%

Water (1.5 liter bottle)

$0.52 Rp 9,479

$0.25 ₹23.42

108.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$3.85 ₹365

-42.86%

Wine (Bottle)

$21.79 Rp 395.4K

$4.10 ₹388

431.46%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.48 ₹140

57.43%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.54 ₹240

16.93%

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

$5.15 ₹488

One-way Ticket (Public Transport)

$0.25 Rp 4,544

$0.21 ₹19.86

19.05%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$7.28 ₹690

12.23%

Taxi Start (Normal Tariff)

$0.44 Rp 7,944

$0.97 ₹91.8

-54.64%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,493

$0.22 ₹20.87

113.64%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$2.59 ₹245

116.22%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.12 ₹106

-25.89%

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

$24.4K Rp 443.7M

$11.1K ₹1.1M

119.62%

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

$31.7K Rp 575.2M

$19.6K ₹1.9M

61.59%

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

$77.5 Rp 1.4M

$28.14 ₹2,666

175.34%

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

$6.14 Rp 111.5K

$2.93 ₹277

109.56%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.3K

$6.21 ₹588

204.67%

Gym Membership (Monthly)

$51.0 Rp 925.4K

$14.23 ₹1,348

258.33%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

$6.73 ₹638

171.17%

Cinema Ticket

$4.38 Rp 79.5K

$2.64 ₹250

65.91%

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

$492 Rp 8.9M

$55.8 ₹5,282

783.26%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.8M

$839 ₹79.5K

1356.32%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.6K

$29.85 ₹2,827

51.29%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.2K

$27.77 ₹2,631

25.64%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$31.81 ₹3,014

146.21%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$31.70 ₹3,003

145.65%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$121 ₹11.5K

790.68%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$76.1 ₹7,209

773.71%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$272 ₹25.8K

1190.62%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$187 ₹17.7K

792.16%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$915 ₹86.6K

155.86%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$542 ₹51.4K

312.40%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$463 ₹43.9K

-64.10%

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 Karwar: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Karwar

$76 21.2% 88.6% $589

Groceries & Markets

Ubud, Bali

$279 21%

Karwar

$82 22.9% 70.6% $197

Clothing & Footwear

Ubud, Bali

$106 8%

Karwar

$55 15.2% 48.7% $52

Eating Out

Ubud, Bali

$106 8%

Karwar

$80 22.2% 24.7% $26

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Karwar

$37 10.4% 63.6% $65

Sport & Entertainment

Ubud, Bali

$60 4.5%

Karwar

$20 5.4% 67.4% $40

Getting Around

Ubud, Bali

$12 0.9%

Karwar

$10 2.8% 14.7% $1.8

Cost Breakdown

A central one-bedroom costs $1,078 in Ubud, Bali versus $121 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 in Karwar are about 2.8 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 $12 in Karwar. Monthly groceries follow the same trend: $279 vs $82 – making Karwar the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Karwar

🕒 Local time

14:29 2:29 PM

11:59 11:59 AM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

60,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

1,000 INR = 10.56 USD

1,000 INR = 9.44 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 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,295 IDR (100,000 IDR = 4.93 EUR).

Indian Rupee exchange rates as of November 4, 2026: 1 USD = 94.73 INR (100 INR = 1.06 USD). 1 EUR = 106 INR (1,000 INR = 9.44 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

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

From you

Ubud, Bali
Karwar

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 Karwar: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 270%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,996 per month in Ubud, Bali and $539 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: a one-bedroom in the center costs $121 there versus $1,078 in Ubud, Bali.

A mid-range dinner for two costs $35 in Ubud, Bali and $12 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 $1,331 in Ubud, Bali and $359 in Karwar. That makes Karwar about 73% cheaper.

A $1,000 monthly budget goes further in Karwar, where all-in costs run around $359, than in Ubud, Bali at $1,331. 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 cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

For expats, Karwar is the easier option financially – housing and daily costs are lower, and overall it costs about 73% less, which matters a lot on a fixed budget or early-career salary.