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 $1,378 per month in Ubud, Bali vs $487 in Ludhiana, rent included.

A couple spends around $2,327 per month in Ubud, Bali vs $829 in Ludhiana, rent included.

A family of three spends $3,275 per month in Ubud, Bali vs $1,171 in Ludhiana, rent included.

Ubud, Bali costs about 183% more than Ludhiana, driven mainly by Groceries & Markets.

Ubud, Bali sits 0% above the global median, while Ludhiana is 65% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$3.47 ₹331

-4.03%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$10.47 ₹1,001

242.12%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$3.80 ₹363

48.16%

Cappuccino

$2.82 Rp 49.7K

$1.99 ₹190

41.71%

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

$1.75 Rp 30.8K

$0.37 ₹35.52

372.97%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.25 ₹23.90

220.00%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.78 ₹170

70.79%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$3.71 ₹355

15.90%

Milk (1 liter)

$1.61 Rp 28.3K

$0.74 ₹70.7

117.57%

White Bread (500g)

$2.27 Rp 39.9K

$0.55 ₹53.0

312.73%

Rice (white) (1kg)

$1.17 Rp 20.6K

$0.85 ₹81.2

37.65%

Eggs

$2.17 Rp 38.2K

$0.83 ₹79.2

161.45%

Local Cheese (1kg)

$17.63 Rp 310.5K

$3.90 ₹373

352.05%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$3.03 ₹290

33.66%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

Apples (1kg)

$3.62 Rp 63.7K

$2.09 ₹200

73.21%

Banana (1kg)

$1.64 Rp 28.8K

$0.59 ₹56.8

177.97%

Oranges (1kg)

$2.31 Rp 40.6K

$0.83 ₹79.8

178.31%

Tomato (1kg)

$1.96 Rp 34.5K

$0.36 ₹34.02

444.44%

Potato (1kg)

$1.84 Rp 32.5K

$0.27 ₹25.72

581.48%

Onion (1kg)

$2.37 Rp 41.7K

$0.32 ₹30.68

640.63%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.44 ₹42.13

138.64%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.36 ₹33.93

50.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$3.62 ₹346

-36.46%

Wine (Bottle)

$23.08 Rp 406.4K

$12.65 ₹1,209

82.45%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.85 ₹176

26.49%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$3.03 ₹290

1.32%

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

$6.80 ₹650

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.52 ₹49.51

-51.92%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$15.56 ₹1,487

-39.46%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$1.58 ₹151

-68.99%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.43 ₹41.29

9.30%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$2.07 ₹198

170.53%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.06 ₹101

-23.58%

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

$25.0K Rp 440.3M

$17.1K ₹1.6M

46.01%

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

$31.1K Rp 547.0M

$22.3K ₹2.1M

39.16%

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

$82.7 Rp 1.5M

$52.7 ₹5,039

56.84%

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

$6.49 Rp 114.2K

$3.24 ₹309

100.31%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$5.80 ₹554

223.97%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$15.34 ₹1,466

260.10%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$10.67 ₹1,020

70.67%

Cinema Ticket

$4.30 Rp 75.7K

$3.69 ₹352

16.53%

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

$494 Rp 8.7M

$72.2 ₹6,901

584.16%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$1,478 ₹141.2K

300.40%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$22.37 ₹2,137

106.88%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$32.98 ₹3,151

10.49%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$70.1 ₹6,695

15.15%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$36.31 ₹3,469

117.02%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$175 ₹16.7K

536.54%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$103 ₹9,823

574.31%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$423 ₹40.4K

760.51%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$384 ₹36.7K

345.57%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$597 ₹57.0K

362.47%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$510 ₹48.8K

349.26%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$424 ₹40.5K

-60.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

9.17

50.27%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Ludhiana: September 5, 2026

Cost Breakdown

A central one-bedroom costs $1,114 in Ubud, Bali versus $175 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 154% 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 $36.00 in Ubud, Bali versus $10.00 in Ludhiana. Monthly groceries follow the same trend: $294 vs $114 – 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: $1,378 in Ubud, Bali, $487 in Ludhiana – roughly 183% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,067 per month in Ubud, Bali and $730 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 $494 per month in Ubud, Bali and $72.2 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 158% 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 $487, than in Ubud, Bali at $1,378. 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 $487 in Ludhiana to $1,378 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.