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: $1,408 in Ubud, Bali versus $363 in Panipat.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $620 in Panipat.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $876 in Panipat.

Living in Ubud, Bali is roughly 287% more expensive than in Panipat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Panipat is 73% below.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$3.24 ₹312

6.48%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$8.68 ₹836

272.58%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$3.54 ₹341

36.72%

Cappuccino

$2.75 Rp 49.3K

$2.06 ₹198

33.50%

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

$1.38 Rp 24.8K

$0.34 ₹33.09

305.88%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$0.11 ₹10.37

581.82%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$1.62 ₹156

84.57%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$1.81 ₹174

112.71%

Milk (1 liter)

$1.74 Rp 31.1K

$0.83 ₹79.9

109.64%

White Bread (500g)

$2.46 Rp 44.1K

$0.62 ₹59.8

296.77%

Rice (white) (1kg)

$1.17 Rp 21.0K

$0.72 ₹69.5

62.50%

Eggs

$2.43 Rp 43.6K

$0.60 ₹57.8

305.00%

Local Cheese (1kg)

$14.50 Rp 260.2K

$4.32 ₹416

235.65%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$1.62 ₹156

168.52%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

Apples (1kg)

$3.72 Rp 66.7K

$1.75 ₹168

112.57%

Banana (1kg)

$1.63 Rp 29.2K

$0.69 ₹66.6

136.23%

Oranges (1kg)

$2.74 Rp 49.2K

$0.81 ₹78.0

238.27%

Tomato (1kg)

$2.24 Rp 40.2K

$0.59 ₹57.3

279.66%

Potato (1kg)

$1.92 Rp 34.4K

$0.38 ₹36.24

405.26%

Onion (1kg)

$2.28 Rp 40.8K

$0.43 ₹41.83

430.23%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.49 ₹47.37

116.33%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.36 ₹35.01

100.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$1.90 ₹183

73.16%

Wine (Bottle)

$23.19 Rp 416.1K

$5.46 ₹526

324.73%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$1.58 ₹152

75.95%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$2.12 ₹204

28.77%

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

$2.37 ₹228

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.96 ₹92.4

-71.88%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$11.53 ₹1,110

-29.66%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$0.78 ₹74.8

-38.46%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$1.07 ₹103

481.31%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.15 ₹111

-29.57%

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

$26.6K Rp 477.4M

$9,461 ₹910.8K

181.28%

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

$32.2K Rp 577.4M

$22.6K ₹2.2M

42.51%

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

$78.4 Rp 1.4M

$22.86 ₹2,200

242.74%

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

$4.07 Rp 73.0K

$3.58 ₹345

13.69%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$5.69 ₹547

327.59%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$14.56 ₹1,402

577.27%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$16.33 ₹1,572

-61.18%

Cinema Ticket

$3.99 Rp 71.5K

$2.97 ₹286

34.34%

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

$305 Rp 5.5M

$90.0 ₹8,664

238.96%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$2,222 ₹213.9K

198.89%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$28.01 ₹2,696

93.29%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$30.60 ₹2,946

23.56%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$40.15 ₹3,865

116.29%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$28.78 ₹2,771

165.29%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$135 ₹13.0K

637.25%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$65.0 ₹6,261

934.33%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$377 ₹36.3K

796.05%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$255 ₹24.5K

704.15%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$1,568 ₹150.9K

78.87%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$894 ₹86.0K

149.19%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$299 ₹28.7K

-44.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

8.75

51.77%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Panipat: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $135 in Panipat. Housing cost is often the main lever when comparing two cities.

Panipat pays 79% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $9.00 in Panipat for a mid-range dinner for two. Groceries echo the gap at $297 vs $91.0 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, Clothing & Footwear, Sport & Entertainment, Eating Out, Monthly Utilities & Internet. The 287% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 79% 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: $992 in Ubud, Bali versus $135 in Panipat. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,408 per month in Ubud, Bali versus $363 in Panipat – a 287% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Panipat runs roughly 42% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $363 in Panipat versus $1,408 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 287% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.