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 $1,368 per month in Ubud, Bali vs $347 in Karwar, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $558 in Karwar, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $770 in Karwar, rent included.

Ubud, Bali costs about 294% more than Karwar, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Karwar is 75% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$3.08 ₹295

11.69%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$11.34 ₹1,088

220.19%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$4.20 ₹402

35.95%

Cappuccino

$2.67 Rp 47.3K

$1.92 ₹184

39.06%

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

$1.75 Rp 31.0K

$0.36 ₹34.79

386.11%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$0.14 ₹13.39

521.43%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$2.15 ₹206

37.21%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$2.38 ₹228

89.92%

Milk (1 liter)

$1.62 Rp 28.7K

$0.53 ₹51.1

205.66%

White Bread (500g)

$2.33 Rp 41.3K

$0.44 ₹42.06

429.55%

Rice (white) (1kg)

$1.11 Rp 19.6K

$0.58 ₹55.2

91.38%

Eggs

$2.20 Rp 39.0K

$0.91 ₹87.3

141.76%

Local Cheese (1kg)

$17.69 Rp 313.3K

$3.58 ₹344

394.13%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$2.54 ₹244

61.42%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

Apples (1kg)

$3.71 Rp 65.6K

$1.60 ₹153

131.88%

Banana (1kg)

$1.59 Rp 28.1K

$0.59 ₹56.3

169.49%

Oranges (1kg)

$2.28 Rp 40.4K

$0.81 ₹77.3

181.48%

Tomato (1kg)

$1.95 Rp 34.6K

$0.33 ₹31.99

490.91%

Potato (1kg)

$1.91 Rp 33.7K

$0.39 ₹37.67

389.74%

Onion (1kg)

$2.33 Rp 41.3K

$0.36 ₹34.32

547.22%

Lettuce (1 head)

$1.01 Rp 17.8K

$0.32 ₹31.05

215.63%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.27 ₹25.92

103.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$3.77 ₹362

-40.85%

Wine (Bottle)

$23.07 Rp 408.6K

$3.70 ₹355

523.51%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.42 ₹136

70.42%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$2.39 ₹229

25.52%

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

$5.00 ₹480

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$0.25 ₹23.78

8.00%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$7.20 ₹691

24.72%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$0.96 ₹92.4

-50.00%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$0.20 ₹19.18

115.00%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$2.43 ₹233

132.10%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.09 ₹104

-26.61%

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

$24.9K Rp 441.7M

$10.3K ₹984.7K

143.04%

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

$31.7K Rp 561.5M

$17.7K ₹1.7M

79.38%

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

$81.5 Rp 1.4M

$28.08 ₹2,694

190.10%

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

$6.49 Rp 115.0K

$2.97 ₹285

118.52%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$6.14 ₹589

205.70%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$14.06 ₹1,349

304.48%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$6.43 ₹617

191.29%

Cinema Ticket

$4.54 Rp 80.4K

$2.64 ₹254

71.97%

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

$481 Rp 8.5M

$55.9 ₹5,364

759.72%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$838 ₹80.4K

581.51%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$29.18 ₹2,799

56.00%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$27.08 ₹2,598

32.50%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$31.17 ₹2,991

157.91%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$31.26 ₹2,999

151.66%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$111 ₹10.7K

903.00%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$77.9 ₹7,473

795.69%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$289 ₹27.7K

1157.83%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$167 ₹16.1K

938.33%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$948 ₹90.9K

193.79%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$514 ₹49.3K

345.39%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$468 ₹44.9K

-64.12%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

7.52

83.24%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Karwar: September 13, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $111 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 179% 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 $36.00 in Ubud, Bali versus $11.00 in Karwar. Monthly groceries follow the same trend: $295 vs $81.0 – 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 294%, 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 $2,052 per month in Ubud, Bali and $520 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 $36.00 in Ubud, Bali and $11.00 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 $1,368 in Ubud, Bali and $347 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 $347, than in Ubud, Bali at $1,368. 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.