Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Panipat

For one person, living is cheaper in Panipat: $380 a month against $1,349 in Ubud, Bali, rent and utilities included – about $11,600 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
18

Cost of Living Index in Panipat
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Panipat Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Panipat

🇮🇳 India

$380

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $380 in Panipat.

Ubud, Bali $1,349
Panipat $380

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $609 in Panipat.

Ubud, Bali $2,305
Panipat $609

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $838 in Panipat.

Ubud, Bali $3,261
Panipat $838

Living in Ubud, Bali is roughly 255% more expensive than in Panipat, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$2.37 ₹226

40.08%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$9.49 ₹904

275.55%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$3.18 ₹303

73.90%

Cappuccino

$2.72 Rp 49.4K

$1.78 ₹170

52.81%

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

$1.70 Rp 30.9K

$0.31 ₹29.95

448.39%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.11 ₹10.46

590.91%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.86 ₹178

42.47%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$1.64 ₹156

167.07%

Milk (1 liter)

$1.49 Rp 27.1K

$0.73 ₹69.9

104.11%

White Bread (500g)

$2.28 Rp 41.4K

$0.54 ₹51.7

322.22%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.83 ₹78.8

43.37%

Eggs

$2.04 Rp 37.0K

$0.90 ₹85.3

126.67%

Local Cheese (1kg)

$17.70 Rp 321.7K

$5.08 ₹483

248.43%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$2.90 ₹276

36.55%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

Apples (1kg)

$3.66 Rp 66.4K

$1.63 ₹156

124.54%

Banana (1kg)

$1.52 Rp 27.6K

$0.76 ₹72.6

100.00%

Oranges (1kg)

$2.23 Rp 40.5K

$1.10 ₹104

102.73%

Tomato (1kg)

$1.97 Rp 35.9K

$0.53 ₹50.0

271.70%

Potato (1kg)

$1.85 Rp 33.6K

$0.28 ₹26.27

560.71%

Onion (1kg)

$2.42 Rp 44.1K

$0.32 ₹30.36

656.25%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.49 ₹46.78

102.04%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.32 ₹30.59

59.38%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$3.02 ₹287

-26.49%

Wine (Bottle)

$22.24 Rp 404.2K

$5.53 ₹527

302.17%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.52 ₹144

48.68%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.65 ₹157

80.00%

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

$2.06 ₹196

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.51 ₹48.58

-50.98%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$8.02 ₹764

-2.49%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.02 ₹97.2

-56.86%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.16 ₹15.60

168.75%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$1.60 ₹153

238.13%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.09 ₹104

-24.77%

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

$23.8K Rp 433.3M

$11.3K ₹1.1M

111.90%

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

$31.7K Rp 577.0M

$20.6K ₹2.0M

54.49%

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

$79.1 Rp 1.4M

$20.87 ₹1,988

278.82%

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

$6.45 Rp 117.2K

$3.97 ₹378

62.47%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$5.11 ₹487

263.60%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$12.24 ₹1,165

304.25%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$9.03 ₹859

95.46%

Cinema Ticket

$4.27 Rp 77.7K

$2.59 ₹247

64.86%

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

$491 Rp 8.9M

$58.5 ₹5,567

739.10%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$2,243 ₹213.6K

152.96%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$27.64 ₹2,632

61.51%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$24.86 ₹2,367

40.59%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$53.4 ₹5,083

49.68%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$24.78 ₹2,360

220.50%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$133 ₹12.7K

744.61%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$99.7 ₹9,491

573.65%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$332 ₹31.7K

972.07%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$217 ₹20.7K

693.27%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$1,530 ₹145.7K

78.51%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$891 ₹84.9K

156.30%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$305 ₹29.1K

-46.31%

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: October 25, 2026

Last update for Panipat: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Panipat

$100 26.2% 85.2% $572

Groceries & Markets

Ubud, Bali

$288 21.4%

Panipat

$98 25.9% 65.9% $190

Eating Out

Ubud, Bali

$108 8%

Panipat

$64 16.9% 40.4% $44

Clothing & Footwear

Ubud, Bali

$108 8%

Panipat

$59 15.5% 45.3% $49

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Panipat

$30 7.9% 71.2% $74

Sport & Entertainment

Ubud, Bali

$58 4.3%

Panipat

$17 4.6% 70% $41

Getting Around

Ubud, Bali

$11 0.9%

Panipat

$12 3.1% 4.2% $0.5

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $133 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 in Ubud, Bali vs $9 in Panipat for a mid-range dinner for two. Groceries echo the gap at $288 vs $98 per month, with Panipat cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇮🇳 Panipat

🕒 Local time

06:42 6:42 AM

04:12 4:12 AM

2 h 30 min behind Ubud, Bali

🌤 Weather

👥 Population

74,800

100,000

💱 Currency

Indonesian Rupiah IDR Rp

Indian Rupee INR ₹

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1,000 INR = 10.5 USD

1,000 INR = 9.43 EUR

Exchange rates and currency converter

INR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Indian Rupee exchange rates as of October 28, 2026: 1 USD = 95.22 INR (100 INR = 1.05 USD). 1 EUR = 106 INR (1,000 INR = 9.43 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Panipat 5,880 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Panipat

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 Panipat: Cost of Living - Frequently Asked Questions

Panipat is about 72% cheaper overall, especially in groceries, clothing, and eating out. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 46% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $133 in Panipat. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 193% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $380 in Panipat – Panipat is about 72% cheaper, which adds up to real savings over time.

At $380 in Panipat versus $1,349 in Ubud, Bali, a $1,000 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.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.