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

Monthly Cost of Living

A single person spends $1,408 per month in Ubud, Bali vs $521 in Ludhiana, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $909 in Ludhiana, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $1,296 in Ludhiana, rent included.

Ubud, Bali costs about 170% more than Ludhiana, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Ludhiana is 61% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$2.94 ₹283

17.35%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$11.80 ₹1,136

174.07%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$4.19 ₹403

15.51%

Cappuccino

$2.75 Rp 49.3K

$1.97 ₹190

39.59%

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

$1.38 Rp 24.8K

$0.40 ₹38.28

245.00%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.26 ₹25.14

188.46%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$1.72 ₹166

73.84%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$3.45 ₹332

11.59%

Milk (1 liter)

$1.74 Rp 31.1K

$0.75 ₹72.5

132.00%

White Bread (500g)

$2.46 Rp 44.1K

$0.57 ₹54.9

331.58%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.91 ₹87.2

28.57%

Eggs

$2.43 Rp 43.6K

$0.96 ₹92.6

153.13%

Local Cheese (1kg)

$14.50 Rp 260.2K

$4.42 ₹425

228.05%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$3.48 ₹335

25.00%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

Apples (1kg)

$3.72 Rp 66.7K

$2.32 ₹224

60.34%

Banana (1kg)

$1.63 Rp 29.2K

$0.65 ₹63.0

150.77%

Oranges (1kg)

$2.74 Rp 49.2K

$0.95 ₹91.0

188.42%

Tomato (1kg)

$2.24 Rp 40.2K

$0.39 ₹37.56

474.36%

Potato (1kg)

$1.92 Rp 34.4K

$0.29 ₹27.46

562.07%

Onion (1kg)

$2.28 Rp 40.8K

$0.35 ₹34.15

551.43%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.45 ₹43.24

135.56%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.37 ₹35.96

94.59%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$3.62 ₹349

-9.12%

Wine (Bottle)

$23.19 Rp 416.1K

$12.66 ₹1,218

83.18%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$1.98 ₹190

40.40%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$3.68 ₹354

-25.82%

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

$7.23 ₹696

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.65 ₹62.9

-58.46%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$17.72 ₹1,706

-54.23%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$1.75 ₹169

-72.57%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$0.36 ₹34.21

16.67%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$2.31 ₹222

169.26%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.22 ₹118

-33.61%

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

$26.6K Rp 477.4M

$16.9K ₹1.6M

57.59%

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

$32.2K Rp 577.4M

$21.5K ₹2.1M

49.99%

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

$78.4 Rp 1.4M

$64.1 ₹6,173

22.19%

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

$4.07 Rp 73.0K

$3.46 ₹333

17.63%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$6.55 ₹631

271.45%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$16.79 ₹1,616

487.31%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$6.23 ₹600

1.77%

Cinema Ticket

$3.99 Rp 71.5K

$4.02 ₹387

-0.75%

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

$305 Rp 5.5M

$79.1 ₹7,616

285.58%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$1,604 ₹154.4K

314.13%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$24.35 ₹2,344

122.34%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$35.78 ₹3,445

5.67%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$63.4 ₹6,107

36.91%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$40.36 ₹3,886

89.17%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$206 ₹19.8K

382.25%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$123 ₹11.9K

446.27%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$508 ₹48.9K

564.16%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$487 ₹46.8K

321.38%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$593 ₹57.1K

372.91%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$486 ₹46.8K

358.12%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$421 ₹40.5K

-60.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

8.62

54.06%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Ludhiana: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $206 in Ludhiana. 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 152% higher in Ludhiana, 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 $12.00 in Ludhiana. Monthly groceries follow the same trend: $297 vs $123 – making Ludhiana 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 Ludhiana: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,408 in Ubud, Bali, $521 in Ludhiana – roughly 170% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $782 in Ludhiana. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $305 per month in Ubud, Bali and $79.1 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 141% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Ludhiana, where all-in costs run around $521, than in Ubud, Bali at $1,408. In Ludhiana it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $521 in Ludhiana to $1,408 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

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 Ludhiana. 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.