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 $1,408 per month in Ubud, Bali vs $286 in Muzaffarabad, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $492 in Muzaffarabad, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $698 in Muzaffarabad, rent included.

Ubud, Bali costs about 393% more than Muzaffarabad, driven mainly by Groceries & Markets.

Ubud, Bali sits 5% above the global median, while Muzaffarabad is 79% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$1.43 PKR 398

141.26%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$14.04 PKR 3,898

130.34%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$2.11 PKR 585

129.38%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.39 PKR 385

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.49 PKR 970

Cappuccino

$2.75 Rp 49.3K

$1.07 PKR 298

157.01%

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

$1.38 Rp 24.8K

$0.32 PKR 88.8

331.25%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.21 PKR 58.1

257.14%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

Milk (1 liter)

$1.74 Rp 31.1K

$0.84 PKR 233

107.14%

White Bread (500g)

$2.46 Rp 44.1K

$0.52 PKR 145

373.08%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.26 PKR 349

-7.14%

Eggs

$2.43 Rp 43.6K

$1.16 PKR 323

109.48%

Local Cheese (1kg)

$14.50 Rp 260.2K

$6.10 PKR 1,695

137.70%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$2.66 PKR 739

63.53%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

$2.92 PKR 811

310.27%

Apples (1kg)

$3.72 Rp 66.7K

$0.93 PKR 259

300.00%

Banana (1kg)

$1.63 Rp 29.2K

$0.65 PKR 180

150.77%

Oranges (1kg)

$2.74 Rp 49.2K

$0.52 PKR 143

426.92%

Tomato (1kg)

$2.24 Rp 40.2K

$0.46 PKR 128

386.96%

Potato (1kg)

$1.92 Rp 34.4K

$0.34 PKR 94.1

464.71%

Onion (1kg)

$2.28 Rp 40.8K

$0.44 PKR 122

418.18%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.24 PKR 66.5

341.67%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.36 PKR 101

100.00%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.40 PKR 390

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.99 PKR 276

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.36 PKR 655

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$1.38 PKR 382

138.41%

Wine (Bottle)

$23.19 Rp 416.1K

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.37 PKR 102

-27.03%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$7.14 PKR 1,983

13.59%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$0.84 PKR 233

-42.86%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$0.33 PKR 90.9

27.27%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$2.59 PKR 718

140.15%

Gasoline (1 liter)

$0.81 Rp 14.6K

$0.95 PKR 265

-14.74%

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

$26.6K Rp 477.4M

$17.9K PKR 5.0M

48.53%

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

$32.2K Rp 577.4M

$22.5K PKR 6.3M

42.78%

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

$78.4 Rp 1.4M

$53.6 PKR 14.9K

46.26%

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

$4.07 Rp 73.0K

$4.02 PKR 1,117

1.24%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$11.70 PKR 3,249

107.95%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$7.19 PKR 1,997

1271.49%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$5.34 PKR 1,482

18.73%

Cinema Ticket

$3.99 Rp 71.5K

$3.64 PKR 1,010

9.62%

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

$305 Rp 5.5M

$25.13 PKR 6,978

1113.81%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$934 PKR 259.3K

611.43%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$5.29 PKR 1,469

923.44%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$8.78 PKR 2,439

330.64%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$87.8 PKR 24.4K

-1.05%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$10.62 PKR 2,950

618.93%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$59.2 PKR 16.4K

1575.79%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$27.33 PKR 7,588

2361.51%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$143 PKR 39.7K

2258.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$111 PKR 30.9K

1740.72%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$821 PKR 228.1K

241.49%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$516 PKR 143.4K

331.28%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$290 PKR 80.6K

-42.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-30.11%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Muzaffarabad: July 13, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $59.2 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 74% 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 $32.00 in Ubud, Bali versus $14.00 in Muzaffarabad. Monthly groceries follow the same trend: $297 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 393%, 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 $2,112 per month in Ubud, Bali and $428 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 254% 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 $32.00 in Ubud, Bali and $14.00 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 $286, than in Ubud, Bali at $1,408. 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.