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 $1,419 per month in Ubud, Bali vs $287 in Muzaffarabad, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $489 in Muzaffarabad, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $690 in Muzaffarabad, rent included.

Ubud, Bali costs about 394% more than Muzaffarabad, driven mainly by Groceries & Markets.

Ubud, Bali sits 6% above the global median, while Muzaffarabad is 79% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$1.37 PKR 382

159.85%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$14.42 PKR 4,011

126.98%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$2.15 PKR 598

130.23%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.37 PKR 382

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.51 PKR 977

Cappuccino

$2.71 Rp 48.4K

$1.03 PKR 286

163.11%

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

$1.34 Rp 24.0K

$0.32 PKR 88.8

318.75%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.21 PKR 58.4

233.33%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

Milk (1 liter)

$1.81 Rp 32.3K

$0.80 PKR 221

126.25%

White Bread (500g)

$2.52 Rp 45.0K

$0.56 PKR 157

350.00%

Rice (white) (1kg)

$1.16 Rp 20.7K

$1.25 PKR 349

-7.20%

Eggs

$2.46 Rp 43.9K

$1.16 PKR 323

112.07%

Local Cheese (1kg)

$14.71 Rp 262.7K

$5.95 PKR 1,654

147.23%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$2.66 PKR 740

62.41%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$2.94 PKR 817

312.93%

Apples (1kg)

$3.84 Rp 68.6K

$1.00 PKR 279

284.00%

Banana (1kg)

$1.56 Rp 27.8K

$0.63 PKR 176

147.62%

Oranges (1kg)

$2.83 Rp 50.6K

$0.54 PKR 151

424.07%

Tomato (1kg)

$2.33 Rp 41.5K

$0.47 PKR 131

395.74%

Potato (1kg)

$1.91 Rp 34.2K

$0.36 PKR 101

430.56%

Onion (1kg)

$2.20 Rp 39.3K

$0.43 PKR 120

411.63%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.26 PKR 72.6

288.46%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.36 PKR 101

116.67%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.38 PKR 384

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.02 PKR 285

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.32 PKR 645

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$1.43 PKR 398

132.17%

Wine (Bottle)

$23.74 Rp 423.9K

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.37 PKR 102

-27.03%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$7.00 PKR 1,947

14.71%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$0.85 PKR 236

-45.88%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.35 PKR 98.7

28.57%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$2.69 PKR 748

126.77%

Gasoline (1 liter)

$0.79 Rp 14.2K

$0.95 PKR 265

-16.84%

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

$26.1K Rp 467.0M

$17.4K PKR 4.8M

50.14%

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

$32.1K Rp 573.6M

$22.7K PKR 6.3M

41.43%

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

$79.9 Rp 1.4M

$53.9 PKR 15.0K

48.37%

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

$4.06 Rp 72.6K

$4.00 PKR 1,114

1.50%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$11.28 PKR 3,138

108.51%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$7.11 PKR 1,978

1288.19%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$5.37 PKR 1,493

23.46%

Cinema Ticket

$4.15 Rp 74.1K

$3.47 PKR 965

19.60%

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

$304 Rp 5.4M

$24.39 PKR 6,786

1146.25%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$934 PKR 259.9K

607.99%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$5.27 PKR 1,466

953.89%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$9.03 PKR 2,513

324.25%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$87.0 PKR 24.2K

1.89%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$10.45 PKR 2,907

645.17%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$59.0 PKR 16.4K

1605.81%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$27.15 PKR 7,553

2387.40%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$143 PKR 39.7K

2311.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$110 PKR 30.7K

1750.67%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$1,020 PKR 283.7K

178.61%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$441 PKR 122.6K

413.80%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$291 PKR 80.9K

-43.20%

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: June 1, 2026

Last update for Muzaffarabad: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $59.0 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 76% 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 $33.00 in Ubud, Bali versus $14.00 in Muzaffarabad. Monthly groceries follow the same trend: $302 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 394%, 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 $2,129 per month in Ubud, Bali and $431 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 260% 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 $33.00 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 $287, than in Ubud, Bali at $1,419. 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.