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 $1,438 per month in Ubud, Bali vs $393 in Karwar, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $622 in Karwar, rent included.

A family of three spends $3,732 per month in Ubud, Bali vs $850 in Karwar, rent included.

Ubud, Bali costs about 266% more than Karwar, driven mainly by Groceries & Markets.

Ubud, Bali sits 7% above the global median, while Karwar is 71% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$2.58 ₹245

38.37%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$12.66 ₹1,202

157.35%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$3.98 ₹378

27.39%

Cappuccino

$2.83 Rp 49.0K

$2.00 ₹190

41.50%

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

$1.34 Rp 23.2K

$0.48 ₹45.83

179.17%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$0.22 ₹20.98

213.64%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$2.28 ₹217

31.14%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$2.88 ₹274

33.68%

Milk (1 liter)

$1.74 Rp 30.2K

$0.57 ₹54.1

205.26%

White Bread (500g)

$2.54 Rp 44.0K

$0.50 ₹47.09

408.00%

Rice (white) (1kg)

$1.19 Rp 20.6K

$0.67 ₹63.8

77.61%

Eggs

$2.43 Rp 42.0K

$1.03 ₹97.8

135.92%

Local Cheese (1kg)

$14.66 Rp 254.1K

$4.07 ₹386

260.20%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$2.95 ₹280

41.69%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

Apples (1kg)

$3.69 Rp 63.9K

$1.87 ₹178

97.33%

Banana (1kg)

$1.61 Rp 27.8K

$0.64 ₹60.9

151.56%

Oranges (1kg)

$2.69 Rp 46.5K

$0.97 ₹92.3

177.32%

Tomato (1kg)

$2.33 Rp 40.4K

$0.42 ₹39.81

454.76%

Potato (1kg)

$1.91 Rp 33.0K

$0.49 ₹46.66

289.80%

Onion (1kg)

$2.19 Rp 37.9K

$0.46 ₹43.49

376.09%

Lettuce (1 head)

$1.06 Rp 18.3K

$0.33 ₹31.64

221.21%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$0.30 ₹28.56

140.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$3.29 ₹312

-4.86%

Wine (Bottle)

$23.49 Rp 407.1K

$6.51 ₹618

260.83%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$1.63 ₹155

68.10%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$4.17 ₹396

-30.94%

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

$4.37 ₹415

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$0.28 ₹26.27

3.57%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$8.88 ₹843

-8.00%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$0.55 ₹52.3

-18.18%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$0.24 ₹22.91

75.00%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$0.56 ₹53.4

1000.00%

Gasoline (1 liter)

$0.84 Rp 14.6K

$1.23 ₹117

-31.71%

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

$26.2K Rp 454.9M

$11.7K ₹1.1M

125.22%

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

$32.5K Rp 562.9M

$17.5K ₹1.7M

85.73%

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

$78.4 Rp 1.4M

$31.99 ₹3,037

145.14%

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

$3.95 Rp 68.5K

$3.21 ₹305

23.05%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$6.84 ₹650

256.73%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$16.06 ₹1,525

501.12%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

$7.20 ₹684

-11.81%

Cinema Ticket

$4.04 Rp 70.0K

$2.83 ₹269

42.76%

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

$303 Rp 5.2M

$62.0 ₹5,887

388.03%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$940 ₹89.3K

593.76%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$32.66 ₹3,101

64.85%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$30.41 ₹2,888

24.89%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$34.74 ₹3,298

149.74%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$35.13 ₹3,335

124.48%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$125 ₹11.9K

707.64%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$74.9 ₹7,110

800.71%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$273 ₹25.9K

1143.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$178 ₹16.9K

1076.14%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

$962 ₹91.3K

210.41%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$529 ₹50.2K

342.31%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$487 ₹46.2K

-64.43%

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: April 28, 2026

Last update for Karwar: April 26, 2026

Cost Breakdown

A central one-bedroom costs $1,012 in Ubud, Bali versus $125 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 181% 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 $33.00 in Ubud, Bali versus $13.00 in Karwar. Monthly groceries follow the same trend: $298 vs $100 – 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 266%, 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 $2,158 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 $33.00 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 $1,438 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 $1,438. 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.