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: $1,419 in Ubud, Bali versus $361 in Panipat.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $634 in Panipat.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $907 in Panipat.

Living in Ubud, Bali is roughly 293% more expensive than Panipat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Panipat is 73% below.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$3.24 ₹310

9.88%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$8.64 ₹827

278.82%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$3.58 ₹343

38.27%

Cappuccino

$2.71 Rp 48.6K

$2.12 ₹202

27.83%

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

$1.34 Rp 24.1K

$0.32 ₹30.30

318.75%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$0.13 ₹12.71

438.46%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$1.59 ₹152

83.65%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$1.83 ₹175

116.39%

Milk (1 liter)

$1.81 Rp 32.4K

$0.80 ₹76.8

126.25%

White Bread (500g)

$2.52 Rp 45.1K

$0.57 ₹54.8

342.11%

Rice (white) (1kg)

$1.16 Rp 20.8K

$0.74 ₹71.0

56.76%

Eggs

$2.46 Rp 44.1K

$0.61 ₹58.4

303.28%

Local Cheese (1kg)

$14.71 Rp 263.7K

$4.17 ₹399

252.76%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$1.60 ₹153

170.00%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

Apples (1kg)

$3.84 Rp 68.8K

$1.75 ₹167

119.43%

Banana (1kg)

$1.56 Rp 27.9K

$0.64 ₹61.3

143.75%

Oranges (1kg)

$2.83 Rp 50.8K

$0.81 ₹77.9

249.38%

Tomato (1kg)

$2.33 Rp 41.7K

$0.64 ₹60.8

264.06%

Potato (1kg)

$1.91 Rp 34.3K

$0.37 ₹35.50

416.22%

Onion (1kg)

$2.20 Rp 39.5K

$0.41 ₹38.92

436.59%

Lettuce (1 head)

$1.01 Rp 18.2K

$0.49 ₹46.73

106.12%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$0.33 ₹31.98

136.36%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$1.96 ₹188

69.39%

Wine (Bottle)

$23.74 Rp 425.5K

$5.33 ₹510

345.40%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$1.50 ₹144

86.00%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$2.10 ₹201

36.19%

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

$2.27 ₹217

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$0.95 ₹91.1

-71.58%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$11.81 ₹1,130

-32.01%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$0.79 ₹75.2

-41.77%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$1.07 ₹103

470.09%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.20 ₹115

-34.17%

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

$26.1K Rp 468.8M

$9,164 ₹876.9K

185.37%

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

$32.1K Rp 575.8M

$22.5K ₹2.2M

42.59%

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

$79.9 Rp 1.4M

$23.40 ₹2,239

241.62%

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

$4.06 Rp 72.9K

$3.58 ₹343

13.41%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$5.51 ₹527

326.86%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$14.44 ₹1,382

583.52%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$16.03 ₹1,534

-58.64%

Cinema Ticket

$4.15 Rp 74.3K

$2.96 ₹283

40.20%

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

$304 Rp 5.4M

$92.9 ₹8,890

227.19%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$2,183 ₹208.9K

202.88%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$27.15 ₹2,598

104.57%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$31.23 ₹2,988

22.67%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$40.34 ₹3,860

119.63%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$29.11 ₹2,786

167.50%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$132 ₹12.6K

661.41%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$66.0 ₹6,312

923.85%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$369 ₹35.3K

833.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$253 ₹24.3K

704.70%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$1,536 ₹147.0K

84.98%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$872 ₹83.5K

159.51%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$303 ₹29.0K

-45.41%

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: June 1, 2026

Last update for Panipat: June 2, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $132 in Panipat. Housing cost is often the main lever when comparing two cities.

Panipat pays 83% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $9.00 in Panipat for a mid-range dinner for two. Groceries echo the gap at $302 vs $89.0 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 293% gap adds up to real monthly savings that compound significantly over time.

On paper, Panipat earns 83% less. 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: $1,006 in Ubud, Bali versus $132 in Panipat. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,419 per month in Ubud, Bali versus $361 in Panipat – a 293% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Panipat runs roughly 47% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $361 in Panipat versus $1,419 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 293% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.