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

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $390 in Panipat.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $626 in Panipat.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $861 in Panipat.

Living in Ubud, Bali is roughly 253% more expensive than in Panipat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 0% above, Panipat is 72% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$2.32 ₹221

43.53%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$9.67 ₹924

270.42%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$3.10 ₹297

81.61%

Cappuccino

$2.82 Rp 49.7K

$1.76 ₹168

60.23%

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

$1.75 Rp 30.8K

$0.31 ₹29.83

464.52%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$0.10 ₹9.33

700.00%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$1.88 ₹180

61.70%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$1.72 ₹164

150.00%

Milk (1 liter)

$1.61 Rp 28.3K

$0.72 ₹69.2

123.61%

White Bread (500g)

$2.27 Rp 39.9K

$0.51 ₹49.07

345.10%

Rice (white) (1kg)

$1.17 Rp 20.6K

$0.82 ₹78.7

42.68%

Eggs

$2.17 Rp 38.2K

$0.90 ₹85.9

141.11%

Local Cheese (1kg)

$17.63 Rp 310.5K

$5.01 ₹478

251.90%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$2.97 ₹284

36.36%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

Apples (1kg)

$3.62 Rp 63.7K

$1.87 ₹179

93.58%

Banana (1kg)

$1.64 Rp 28.8K

$0.71 ₹67.5

130.99%

Oranges (1kg)

$2.31 Rp 40.6K

$1.04 ₹99.5

122.12%

Tomato (1kg)

$1.96 Rp 34.5K

$0.58 ₹55.0

237.93%

Potato (1kg)

$1.84 Rp 32.5K

$0.31 ₹29.52

493.55%

Onion (1kg)

$2.37 Rp 41.7K

$0.38 ₹35.99

523.68%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.50 ₹47.91

110.00%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.32 ₹30.65

68.75%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$3.06 ₹293

-24.84%

Wine (Bottle)

$23.08 Rp 406.4K

$5.42 ₹518

325.83%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.54 ₹147

51.95%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$1.66 ₹159

84.94%

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

$2.09 ₹200

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.54 ₹51.7

-53.70%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$7.79 ₹744

20.92%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$1.08 ₹103

-54.63%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.18 ₹17.46

161.11%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$1.59 ₹152

252.20%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.10 ₹105

-26.36%

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

$25.0K Rp 440.3M

$12.8K ₹1.2M

95.71%

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

$31.1K Rp 547.0M

$20.5K ₹2.0M

51.42%

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

$82.7 Rp 1.5M

$20.92 ₹1,999

295.41%

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

$6.49 Rp 114.2K

$4.46 ₹426

45.52%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$4.97 ₹475

278.07%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$12.39 ₹1,184

345.84%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$9.16 ₹875

98.80%

Cinema Ticket

$4.30 Rp 75.7K

$2.62 ₹251

64.12%

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

$494 Rp 8.7M

$59.1 ₹5,643

736.73%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$2,326 ₹222.2K

154.40%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$27.85 ₹2,661

66.18%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$24.95 ₹2,383

46.05%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$52.3 ₹4,998

54.27%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$24.37 ₹2,328

223.35%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$136 ₹13.0K

721.66%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$102 ₹9,788

576.68%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$337 ₹32.2K

980.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$221 ₹21.1K

675.85%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$1,590 ₹151.9K

73.65%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$894 ₹85.4K

156.48%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$310 ₹29.6K

-46.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

72.25%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Panipat: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $136 in Panipat. Housing cost is often the main lever when comparing two cities.

Panipat pays 86% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $10.00 in Panipat for a mid-range dinner for two. Groceries echo the gap at $294 vs $99.0 per month, with Panipat cheaper across the board.

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 Panipat: Cost of Living - Frequently Asked Questions

Panipat is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 253% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 86% lower in Panipat. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,114 in Ubud, Bali versus $136 in Panipat. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,378 per month in Ubud, Bali versus $390 in Panipat – a 253% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Panipat runs roughly 21% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $390 in Panipat versus $1,378 in Ubud, Bali, a $1,500 budget is realistic in Panipat but tight or insufficient in Ubud, Bali. The gap between the two cities makes Panipat the clear choice for anyone on this budget.

For families, Panipat is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Panipat are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Panipat gentler on the wallet – expenses run 253% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.