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 $1,419 per month in Ubud, Bali vs $516 in Ludhiana, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $913 in Ludhiana, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $1,311 in Ludhiana, rent included.

Ubud, Bali costs about 175% more than Ludhiana, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Ludhiana is 62% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$2.99 ₹286

19.06%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$11.70 ₹1,119

179.74%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$4.06 ₹388

21.92%

Cappuccino

$2.71 Rp 48.6K

$1.93 ₹185

40.41%

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

$1.34 Rp 24.1K

$0.43 ₹41.15

211.63%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.24 ₹22.77

191.67%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$1.71 ₹164

70.76%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$3.40 ₹326

16.47%

Milk (1 liter)

$1.81 Rp 32.4K

$0.77 ₹73.5

135.06%

White Bread (500g)

$2.52 Rp 45.1K

$0.57 ₹54.6

342.11%

Rice (white) (1kg)

$1.16 Rp 20.8K

$0.93 ₹89.4

24.73%

Eggs

$2.46 Rp 44.1K

$0.96 ₹92.2

156.25%

Local Cheese (1kg)

$14.71 Rp 263.7K

$4.20 ₹402

250.24%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$3.36 ₹321

28.57%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

Apples (1kg)

$3.84 Rp 68.8K

$2.23 ₹213

72.20%

Banana (1kg)

$1.56 Rp 27.9K

$0.70 ₹67.0

122.86%

Oranges (1kg)

$2.83 Rp 50.8K

$0.92 ₹87.8

207.61%

Tomato (1kg)

$2.33 Rp 41.7K

$0.42 ₹40.55

454.76%

Potato (1kg)

$1.91 Rp 34.3K

$0.29 ₹27.40

558.62%

Onion (1kg)

$2.20 Rp 39.5K

$0.32 ₹30.92

587.50%

Lettuce (1 head)

$1.01 Rp 18.2K

$0.49 ₹46.63

106.12%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$0.35 ₹33.18

122.86%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$3.70 ₹354

-10.27%

Wine (Bottle)

$23.74 Rp 425.5K

$12.53 ₹1,200

89.47%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$2.04 ₹196

36.76%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$3.70 ₹354

-22.70%

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

$6.87 ₹658

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$0.65 ₹62.6

-58.46%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$17.75 ₹1,698

-54.76%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$1.70 ₹163

-72.94%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$0.35 ₹33.94

28.57%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$2.34 ₹224

160.68%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.18 ₹113

-33.05%

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

$26.1K Rp 468.8M

$16.7K ₹1.6M

56.80%

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

$32.1K Rp 575.8M

$21.2K ₹2.0M

51.85%

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

$79.9 Rp 1.4M

$62.5 ₹5,976

28.01%

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

$4.06 Rp 72.9K

$3.45 ₹330

17.68%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$6.59 ₹631

256.90%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$16.83 ₹1,611

486.45%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$6.58 ₹630

0.76%

Cinema Ticket

$4.15 Rp 74.3K

$3.96 ₹379

4.80%

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

$304 Rp 5.4M

$78.9 ₹7,545

285.49%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$1,580 ₹151.2K

318.46%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$24.65 ₹2,359

125.31%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$36.23 ₹3,468

5.74%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$64.1 ₹6,129

38.33%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$41.08 ₹3,931

89.56%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$199 ₹19.1K

405.39%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$119 ₹11.4K

467.41%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$509 ₹48.7K

576.31%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$499 ₹47.8K

308.30%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$596 ₹57.1K

376.51%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$497 ₹47.5K

355.91%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$427 ₹40.9K

-61.30%

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: June 1, 2026

Last update for Ludhiana: June 1, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $199 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 158% 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 $33.00 in Ubud, Bali versus $12.00 in Ludhiana. Monthly groceries follow the same trend: $302 vs $122 – 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: $1,419 in Ubud, Bali, $516 in Ludhiana – roughly 175% apart. Ubud, Bali costs more across the board, with Groceries & Markets showing the biggest gap.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $774 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 $304 per month in Ubud, Bali and $78.9 in Ludhiana. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 148% 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 $516, than in Ubud, Bali at $1,419. 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 $516 in Ludhiana to $1,419 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.