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

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $406 in Muzaffarabad, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $621 in Muzaffarabad, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $836 in Muzaffarabad, rent included.

Ubud, Bali costs about 244% more than Muzaffarabad, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Muzaffarabad is 70% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.7K

$1.41 PKR 392

139.01%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 682.4K

$16.39 PKR 4,547

135.45%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.6K

$2.18 PKR 604

153.21%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.48 PKR 411

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.42 PKR 947

Cappuccino

$2.64 Rp 46.8K

$1.05 PKR 291

151.43%

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

$1.67 Rp 29.6K

$0.44 PKR 121

279.55%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.25 PKR 69.6

208.00%

Local Beer (0.5 liter draught)

$2.63 Rp 46.6K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.7K

Milk (1 liter)

$1.55 Rp 27.3K

$0.84 PKR 234

84.52%

White Bread (500g)

$2.22 Rp 39.3K

$0.59 PKR 163

276.27%

Rice (white) (1kg)

$1.13 Rp 19.9K

$1.02 PKR 282

10.78%

Eggs

$2.09 Rp 36.9K

$0.88 PKR 243

137.50%

Local Cheese (1kg)

$17.39 Rp 307.6K

$6.34 PKR 1,760

174.29%

Chicken Fillets (1kg)

$3.87 Rp 68.4K

$2.55 PKR 708

51.76%

Beef Round Steak (1kg)

$12.55 Rp 221.9K

$3.17 PKR 879

295.90%

Apples (1kg)

$3.62 Rp 63.9K

$1.11 PKR 308

226.13%

Banana (1kg)

$1.56 Rp 27.6K

$0.81 PKR 226

92.59%

Oranges (1kg)

$2.35 Rp 41.6K

$0.37 PKR 103

535.14%

Tomato (1kg)

$2.06 Rp 36.4K

$0.35 PKR 95.9

488.57%

Potato (1kg)

$1.90 Rp 33.6K

$0.35 PKR 96.9

442.86%

Onion (1kg)

$2.34 Rp 41.3K

$0.30 PKR 83.6

680.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.33 PKR 91.7

212.12%

Water (1.5 liter bottle)

$0.55 Rp 9,809

$0.34 PKR 95.3

61.76%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.78 PKR 495

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.16 PKR 321

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.37 PKR 657

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.8K

$0.93 PKR 258

141.94%

Wine (Bottle)

$23.81 Rp 421.0K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.9K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.5K

One-way Ticket (Public Transport)

$0.27 Rp 4,816

$0.19 PKR 52.3

42.11%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 153.2K

$9.56 PKR 2,653

-9.41%

Taxi Start (Normal Tariff)

$0.48 Rp 8,515

$0.93 PKR 258

-48.39%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,887

$0.37 PKR 103

21.62%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 101.1K

$1.58 PKR 439

262.03%

Gasoline (1 liter)

$0.76 Rp 13.4K

$1.00 PKR 277

-24.00%

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

$24.5K Rp 433.0M

$17.9K PKR 5.0M

36.42%

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

$32.1K Rp 568.0M

$24.3K PKR 6.7M

32.38%

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

$83.6 Rp 1.5M

$115 PKR 31.9K

-27.37%

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

$6.46 Rp 114.2K

$5.55 PKR 1,541

16.40%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 335.9K

$8.86 PKR 2,459

114.33%

Gym Membership (Monthly)

$56.0 Rp 989.8K

$14.47 PKR 4,015

286.80%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 329.2K

Cinema Ticket

$4.28 Rp 75.7K

$4.26 PKR 1,182

0.47%

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

$487 Rp 8.6M

$49.51 PKR 13.7K

882.67%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.6M

$839 PKR 232.6K

598.32%

Jeans (Levis 501 Or Similar)

$45.56 Rp 805.6K

$5.52 PKR 1,532

725.36%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 643.3K

$9.14 PKR 2,535

298.03%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$90.3 PKR 25.0K

-9.23%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$10.71 PKR 2,970

650.70%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$126 PKR 34.8K

789.36%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$77.0 PKR 21.4K

810.02%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.5M

$249 PKR 69.1K

1319.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.2M

$151 PKR 41.8K

1070.00%

Buy Apartment in City Center (m2)

$2,826 Rp 50.0M

$945 PKR 262.2K

198.98%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.5M

$527 PKR 146.2K

335.01%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$294 PKR 81.6K

-42.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-8.13%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Muzaffarabad: September 1, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $126 in Muzaffarabad. 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 73% higher in Muzaffarabad, 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 $39.00 in Ubud, Bali versus $16.00 in Muzaffarabad. Monthly groceries follow the same trend: $293 vs $84.0 – making Muzaffarabad 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 Muzaffarabad: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 244%, 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 $2,095 per month in Ubud, Bali and $609 in Muzaffarabad. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 249% 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 mid-range dinner for two costs $39.00 in Ubud, Bali and $16.00 in Muzaffarabad. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Muzaffarabad, where all-in costs run around $406, than in Ubud, Bali at $1,396. In Muzaffarabad it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Muzaffarabad – 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 Muzaffarabad. 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.