Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Ludhiana

For one person, living is cheaper in Ludhiana: $488 a month against $1,349 in Ubud, Bali, rent and utilities included – about $10,300 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
24

Cost of Living Index in Ludhiana
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Ludhiana Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Ludhiana

🇮🇳 India

$488

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $488 in Ludhiana, rent included.

Ubud, Bali $1,349
Ludhiana $488

A couple spends around $2,305 per month in Ubud, Bali vs $784 in Ludhiana, rent included.

Ubud, Bali $2,305
Ludhiana $784

A family of three spends $3,261 per month in Ubud, Bali vs $1,080 in Ludhiana, rent included.

Ubud, Bali $3,261
Ludhiana $1,080

Ubud, Bali costs about 176% more than Ludhiana, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$3.48 ₹332

-4.60%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 648.1K

$10.67 ₹1,016

234.02%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$3.58 ₹341

54.47%

Cappuccino

$2.72 Rp 49.4K

$1.93 ₹184

40.93%

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

$1.70 Rp 30.9K

$0.40 ₹38.34

325.00%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.25 ₹23.90

204.00%

Local Beer (0.5 liter draught)

$2.65 Rp 48.3K

$1.70 ₹162

55.88%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.7K

$3.52 ₹335

24.43%

Milk (1 liter)

$1.49 Rp 27.1K

$0.74 ₹70.7

101.35%

White Bread (500g)

$2.28 Rp 41.4K

$0.51 ₹48.13

347.06%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.78 ₹73.9

52.56%

Eggs

$2.04 Rp 37.0K

$0.86 ₹81.9

137.21%

Local Cheese (1kg)

$17.70 Rp 321.9K

$3.99 ₹379

343.61%

Chicken Fillets (1kg)

$3.96 Rp 72.1K

$3.09 ₹294

28.16%

Beef Round Steak (1kg)

$12.19 Rp 221.7K

Apples (1kg)

$3.66 Rp 66.5K

$2.10 ₹200

74.29%

Banana (1kg)

$1.52 Rp 27.6K

$0.58 ₹55.3

162.07%

Oranges (1kg)

$2.23 Rp 40.5K

$0.82 ₹77.6

171.95%

Tomato (1kg)

$1.97 Rp 35.9K

$0.38 ₹36.53

418.42%

Potato (1kg)

$1.85 Rp 33.6K

$0.26 ₹24.69

611.54%

Onion (1kg)

$2.42 Rp 44.1K

$0.32 ₹30.69

656.25%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.43 ₹41.24

130.23%

Water (1.5 liter bottle)

$0.51 Rp 9,336

$0.32 ₹30.92

59.38%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$3.48 ₹331

-36.21%

Wine (Bottle)

$22.24 Rp 404.4K

$12.37 ₹1,178

79.79%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.83 ₹174

23.50%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$3.05 ₹291

-2.62%

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

$8.39 ₹798

One-way Ticket (Public Transport)

$0.25 Rp 4,564

$0.55 ₹52.0

-54.55%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.3K

$15.78 ₹1,502

-50.44%

Taxi Start (Normal Tariff)

$0.44 Rp 7,992

$1.55 ₹147

-71.61%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,821

$0.44 ₹41.72

-2.27%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.4K

$2.15 ₹204

151.63%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.10 ₹105

-25.45%

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

$23.8K Rp 433.5M

$13.4K ₹1.3M

78.38%

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

$31.7K Rp 577.3M

$22.0K ₹2.1M

44.08%

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

$79.1 Rp 1.4M

$52.5 ₹4,995

50.68%

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

$6.45 Rp 117.2K

$3.10 ₹295

108.06%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.8K

$5.81 ₹554

219.79%

Gym Membership (Monthly)

$49.48 Rp 899.8K

$15.33 ₹1,460

222.77%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.9K

$4.48 ₹427

293.97%

Cinema Ticket

$4.27 Rp 77.7K

$3.61 ₹344

18.28%

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

$491 Rp 8.9M

$72.3 ₹6,882

578.67%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.2M

$1,443 ₹137.4K

293.24%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.7K

$21.69 ₹2,065

105.81%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.6K

$40.15 ₹3,823

-12.95%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$70.1 ₹6,671

14.03%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$36.40 ₹3,465

118.19%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.5M

$171 ₹16.3K

557.77%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$114 ₹10.8K

489.80%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$433 ₹41.2K

723.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$307 ₹29.2K

461.34%

Buy Apartment in City Center (m2)

$2,732 Rp 49.7M

$880 ₹83.8K

210.49%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$679 ₹64.6K

236.38%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$423 ₹40.3K

-61.28%

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: October 25, 2026

Last update for Ludhiana: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Ludhiana

$114 23.3% 83% $558

Groceries & Markets

Ubud, Bali

$288 21.4%

Ludhiana

$113 23.1% 61% $176

Eating Out

Ubud, Bali

$108 8%

Ludhiana

$80 16.4% 25.8% $28

Clothing & Footwear

Ubud, Bali

$108 8%

Ludhiana

$76 15.5% 29.6% $32

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Ludhiana

$61 12.6% 41% $43

Sport & Entertainment

Ubud, Bali

$58 4.3%

Ludhiana

$23 4.6% 61.1% $35

Getting Around

Ubud, Bali

$11 0.9%

Ludhiana

$22 4.5% 90% $10

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $171 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 in Ludhiana are about 2.6 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 $36 in Ubud, Bali versus $11 in Ludhiana. Monthly groceries follow the same trend: $288 vs $113 – making Ludhiana the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Ludhiana

🕒 Local time

12:04 12:04 PM

09:34 9:34 AM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

2,232,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1,000 INR = 10.5 USD

1,000 INR = 9.43 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 October 29, 2026: 1 USD = 18,183 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,242 IDR (100,000 IDR = 4.94 EUR).

Indian Rupee exchange rates as of October 29, 2026: 1 USD = 95.21 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Ludhiana 6,070 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Ludhiana

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 Ludhiana: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $488 in Ludhiana – Ludhiana comes out roughly 64% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $732 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: a one-bedroom in the center costs $171 there versus $1,125 in Ubud, Bali.

Kindergarten costs $491 per month in Ubud, Bali and $72 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 156% more in Ubud, Bali, though the gap depends on what you buy.

A $1,200 monthly budget goes further in Ludhiana, where all-in costs run around $488, than in Ubud, Bali at $1,349. In Ludhiana it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Ludhiana – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.