Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Muzaffarabad

For one person, living is cheaper in Muzaffarabad: $385 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,600 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
19

Cost of Living Index in Muzaffarabad
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Muzaffarabad Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Muzaffarabad

🇵🇰 Pakistan

$385

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $385 in Muzaffarabad, rent included.

Ubud, Bali $1,353
Muzaffarabad $385

A couple spends around $2,297 per month in Ubud, Bali vs $558 in Muzaffarabad, rent included.

Ubud, Bali $2,297
Muzaffarabad $558

A family of three spends $3,241 per month in Ubud, Bali vs $730 in Muzaffarabad, rent included.

Ubud, Bali $3,241
Muzaffarabad $730

Ubud, Bali costs about 251% more than Muzaffarabad, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Muzaffarabad is 72% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$1.40 PKR 387

130.71%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$8.97 PKR 2,482

288.85%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$2.21 PKR 613

157.92%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.47 PKR 406

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.97 PKR 822

Cappuccino

$2.62 Rp 47.1K

$1.06 PKR 293

147.17%

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

$1.72 Rp 31.0K

$0.41 PKR 112

319.51%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.21 PKR 58.8

285.71%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$1.57 Rp 28.3K

$1.00 PKR 276

57.00%

White Bread (500g)

$2.19 Rp 39.5K

$0.68 PKR 187

222.06%

Rice (white) (1kg)

$1.18 Rp 21.2K

$0.94 PKR 261

25.53%

Eggs

$2.16 Rp 38.8K

$0.93 PKR 258

132.26%

Local Cheese (1kg)

$17.65 Rp 317.7K

$3.58 PKR 991

393.02%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$2.55 PKR 707

48.24%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$3.28 PKR 908

264.33%

Apples (1kg)

$3.60 Rp 64.8K

$1.10 PKR 305

227.27%

Banana (1kg)

$1.59 Rp 28.6K

$0.56 PKR 156

183.93%

Oranges (1kg)

$2.31 Rp 41.6K

$0.37 PKR 103

524.32%

Tomato (1kg)

$1.91 Rp 34.3K

$0.35 PKR 95.9

445.71%

Potato (1kg)

$1.78 Rp 32.1K

$0.35 PKR 96.7

408.57%

Onion (1kg)

$2.33 Rp 41.9K

$0.28 PKR 77.5

732.14%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.42 PKR 115

138.10%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.25 PKR 69.0

112.00%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.41 PKR 390

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.75 PKR 206

Imported Non-Alcoholic Beer (0.33 liter bottle)

$0.70 PKR 193

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$0.87 PKR 241

163.22%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.19 PKR 52.7

21.05%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$10.03 PKR 2,776

-11.27%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.09 PKR 303

-56.88%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.73 PKR 203

-41.10%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$1.40 PKR 389

290.71%

Gasoline (1 liter)

$0.83 Rp 14.9K

$0.95 PKR 262

-12.63%

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

$23.9K Rp 429.8M

$22.3K PKR 6.2M

7.17%

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

$32.8K Rp 590.1M

$25.6K PKR 7.1M

28.02%

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

$80.0 Rp 1.4M

$118 PKR 32.5K

-31.92%

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

$6.56 Rp 118.1K

$5.53 PKR 1,530

18.63%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$9.20 PKR 2,547

102.17%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$14.84 PKR 4,107

264.69%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$8.20 PKR 2,269

122.93%

Cinema Ticket

$4.25 Rp 76.5K

$2.05 PKR 567

107.32%

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

$493 Rp 8.9M

$46.79 PKR 13.0K

952.98%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$1,039 PKR 287.6K

438.61%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$5.46 PKR 1,512

734.80%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$8.83 PKR 2,444

295.92%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$49.77 PKR 13.8K

56.16%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$10.63 PKR 2,942

638.66%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$124 PKR 34.4K

809.33%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$76.1 PKR 21.0K

784.79%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$256 PKR 70.8K

1313.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$146 PKR 40.5K

1061.82%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$947 PKR 262.0K

187.01%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$483 PKR 133.7K

363.93%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$289 PKR 80.1K

-42.48%

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: October 19, 2026

Last update for Muzaffarabad: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Muzaffarabad

$76 19.7% 88.7% $597

Groceries & Markets

Ubud, Bali

$287 21.2%

Muzaffarabad

$76 19.7% 73.5% $211

Clothing & Footwear

Ubud, Bali

$107 7.9%

Muzaffarabad

$34 8.7% 68.5% $73

Eating Out

Ubud, Bali

$106 7.9%

Muzaffarabad

$33 8.6% 69% $73

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Muzaffarabad

$132 34.3% 25.7% $27

Sport & Entertainment

Ubud, Bali

$63 4.6%

Muzaffarabad

$19 4.9% 69.8% $44

Getting Around

Ubud, Bali

$12 0.9%

Muzaffarabad

$16 4% 25.1% $3.1

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $124 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 $35.00 in Ubud, Bali versus $9.00 in Muzaffarabad. Monthly groceries follow the same trend: $287 vs $76.0 – making Muzaffarabad the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Muzaffarabad

🕒 Local time

19:40 7:40 PM

16:40 4:40 PM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

149,913

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Muzaffarabad 6,490 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Muzaffarabad

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 Muzaffarabad: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 251%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $578 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 278% 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 $35.00 in Ubud, Bali and $9.00 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 $385, than in Ubud, Bali at $1,353. 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.