Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Sargodha

For one person, living is cheaper in Sargodha: $512 a month against $1,368 in Ubud, Bali, rent and utilities included – about $10,300 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
25

Cost of Living Index in Sargodha
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Sargodha Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Sargodha

🇵🇰 Pakistan

$512

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $512 in Sargodha.

Ubud, Bali $1,368
Sargodha $512

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $802 in Sargodha.

Ubud, Bali $2,314
Sargodha $802

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,091 in Sargodha.

Ubud, Bali $3,260
Sargodha $1,091

Living in Ubud, Bali is roughly 167% more expensive than in Sargodha, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Sargodha is 62% below.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$3.53 PKR 977

-5.67%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$23.38 PKR 6,471

50.47%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$5.55 PKR 1,537

4.50%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.70 PKR 1,025

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.05 PKR 1,952

Cappuccino

$2.73 Rp 49.1K

$2.69 PKR 745

1.49%

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

$1.64 Rp 29.5K

$0.36 PKR 98.5

355.56%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$0.21 PKR 58.0

295.24%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

Milk (1 liter)

$1.50 Rp 27.1K

$0.98 PKR 270

53.06%

White Bread (500g)

$2.30 Rp 41.4K

$0.78 PKR 216

194.87%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.30 PKR 360

-9.23%

Eggs

$2.14 Rp 38.6K

$1.22 PKR 338

75.41%

Local Cheese (1kg)

$17.48 Rp 314.6K

$6.03 PKR 1,668

189.88%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$3.18 PKR 880

26.73%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$5.33 PKR 1,476

129.46%

Apples (1kg)

$3.55 Rp 63.9K

$1.28 PKR 355

177.34%

Banana (1kg)

$1.57 Rp 28.3K

$0.81 PKR 223

93.83%

Oranges (1kg)

$2.24 Rp 40.2K

$1.03 PKR 284

117.48%

Tomato (1kg)

$1.93 Rp 34.7K

$0.56 PKR 156

244.64%

Potato (1kg)

$1.88 Rp 33.9K

$0.27 PKR 73.8

596.30%

Onion (1kg)

$2.29 Rp 41.3K

$0.36 PKR 98.6

536.11%

Lettuce (1 head)

$0.99 Rp 17.9K

$0.28 PKR 76.8

253.57%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$0.42 PKR 117

26.19%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.81 PKR 502

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.25 PKR 347

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.41 PKR 667

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$2.24 PKR 621

1.79%

Wine (Bottle)

$23.01 Rp 414.2K

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$0.21 PKR 57.0

14.29%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$9.79 PKR 2,710

-9.91%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.27 PKR 352

-62.20%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$0.73 PKR 203

-36.99%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$1.58 PKR 438

244.94%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.36 PKR 377

-35.29%

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

$24.6K Rp 442.2M

$21.7K PKR 6.0M

13.09%

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

$31.2K Rp 561.4M

$24.0K PKR 6.7M

29.77%

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

$83.0 Rp 1.5M

$102 PKR 28.2K

-18.54%

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

$6.45 Rp 116.0K

$6.03 PKR 1,670

6.97%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$17.30 PKR 4,787

7.34%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$14.71 PKR 4,071

279.47%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$8.58 PKR 2,373

111.07%

Cinema Ticket

$4.38 Rp 78.9K

$4.39 PKR 1,216

-0.23%

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

$493 Rp 8.9M

$73.6 PKR 20.4K

569.82%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$1,024 PKR 283.4K

461.90%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$26.10 PKR 7,225

76.97%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$34.29 PKR 9,491

3.03%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$96.5 PKR 26.7K

-18.04%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$40.00 PKR 11.1K

95.97%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$125 PKR 34.6K

812.92%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$75.7 PKR 20.9K

792.65%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$248 PKR 68.6K

1313.91%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$149 PKR 41.3K

1038.15%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$932 PKR 258.1K

198.60%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$478 PKR 132.4K

368.31%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$182 PKR 50.4K

-9.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.08

5.35%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Sargodha: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Sargodha

$76 14.8% 88.8% $600

Groceries & Markets

Ubud, Bali

$290 21.2%

Sargodha

$104 20.2% 64.3% $187

Eating Out

Ubud, Bali

$109 8%

Sargodha

$79 15.5% 26.9% $29

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Sargodha

$125 24.5% 15.9% $17

Clothing & Footwear

Ubud, Bali

$108 7.9%

Sargodha

$89 17.3% 17.6% $19

Sport & Entertainment

Ubud, Bali

$65 4.7%

Sargodha

$24 4.6% 63.6% $41

Getting Around

Ubud, Bali

$13 0.9%

Sargodha

$16 3% 23.9% $3

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $125 in Sargodha. Housing cost is often the main lever when comparing two cities.

Sargodha pays 11% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $23.00 in Sargodha for a mid-range dinner for two. Groceries echo the gap at $290 vs $104 per month, with Sargodha cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Sargodha

🕒 Local time

08:32 8:32 AM

05:32 5:32 AM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

507,817

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Sargodha 6,390 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Sargodha

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 Sargodha: Cost of Living - Frequently Asked Questions

Sargodha wins on cost – living expenses run 167% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Sargodha the obvious pick if budget is a priority.

On paper, salaries run 11% lower in Sargodha. 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: $1,142 in Ubud, Bali versus $125 in Sargodha. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $73.6 in Sargodha. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 180% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $512 in Sargodha versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Sargodha but tight or insufficient in Ubud, Bali. The gap between the two cities makes Sargodha the clear choice for anyone on this budget.

Both work as nomad bases, but Sargodha delivers better value – similar infrastructure at $512 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Sargodha hard to pass up.

Safety-wise, Ubud, Bali and Sargodha 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 Sargodha gentler on the wallet – expenses run 167% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.