Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Sialkot

For one person, living is cheaper in Sialkot: $356 a month against $1,349 in Ubud, Bali, rent and utilities included – about $11,900 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
17

Cost of Living Index in Sialkot
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Sialkot Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Sialkot

🇵🇰 Pakistan

$356

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $356 in Sialkot.

Ubud, Bali $1,349
Sialkot $356

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $515 in Sialkot.

Ubud, Bali $2,305
Sialkot $515

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $674 in Sialkot.

Ubud, Bali $3,261
Sialkot $674

Living in Ubud, Bali is roughly 279% more expensive than in Sialkot, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$1.05 PKR 290

216.19%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$7.04 PKR 1,945

406.25%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$5.40 PKR 1,493

2.41%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.57 PKR 986

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.83 PKR 783

Cappuccino

$2.72 Rp 49.3K

$1.65 PKR 456

64.85%

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

$1.70 Rp 30.9K

$0.33 PKR 89.9

415.15%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$0.17 PKR 47.56

347.06%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

Milk (1 liter)

$1.49 Rp 27.0K

$0.90 PKR 250

65.56%

White Bread (500g)

$2.28 Rp 41.3K

$0.60 PKR 166

280.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$0.99 PKR 274

20.20%

Eggs

$2.04 Rp 36.9K

$1.09 PKR 301

87.16%

Local Cheese (1kg)

$17.70 Rp 321.1K

$4.03 PKR 1,113

339.21%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$1.76 PKR 486

125.00%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$5.51 PKR 1,522

121.23%

Apples (1kg)

$3.66 Rp 66.3K

$1.17 PKR 323

212.82%

Banana (1kg)

$1.52 Rp 27.5K

$0.53 PKR 146

186.79%

Oranges (1kg)

$2.23 Rp 40.4K

$0.73 PKR 203

205.48%

Tomato (1kg)

$1.97 Rp 35.8K

$0.56 PKR 154

251.79%

Potato (1kg)

$1.85 Rp 33.5K

$0.29 PKR 80.6

537.93%

Onion (1kg)

$2.42 Rp 44.0K

$0.35 PKR 98.0

591.43%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.28 PKR 76.9

253.57%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.43 PKR 119

18.60%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.42 PKR 393

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.05 PKR 291

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.70 PKR 747

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$2.23 PKR 617

-0.45%

Wine (Bottle)

$22.24 Rp 403.4K

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$0.16 PKR 43.93

56.25%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$10.78 PKR 2,980

-27.46%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$1.28 PKR 353

-65.63%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$0.42 PKR 115

2.38%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$1.61 PKR 446

236.02%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.24 PKR 343

-33.87%

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

$23.8K Rp 432.4M

$19.8K PKR 5.5M

20.60%

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

$31.7K Rp 575.9M

$23.4K PKR 6.5M

35.86%

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

$79.1 Rp 1.4M

$103 PKR 28.4K

-22.94%

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

$6.45 Rp 116.9K

$6.10 PKR 1,685

5.74%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$16.78 PKR 4,639

10.73%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$7.03 PKR 1,942

603.84%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$5.27 PKR 1,456

234.91%

Cinema Ticket

$4.27 Rp 77.5K

$4.85 PKR 1,342

-11.96%

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

$491 Rp 8.9M

$20.07 PKR 5,548

2344.15%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$266 PKR 73.6K

2029.85%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$14.22 PKR 3,931

213.92%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$17.09 PKR 4,723

104.51%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$27.29 PKR 7,544

192.78%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$21.76 PKR 6,015

264.98%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$48.58 PKR 13.4K

2215.46%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$32.90 PKR 9,094

1941.00%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$108 PKR 29.9K

3192.88%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$67.0 PKR 18.5K

2471.32%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$154 PKR 42.6K

6.34%

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 25, 2026

Last update for Sialkot: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Sialkot

$33 9.3% 95.1% $639

Groceries & Markets

Ubud, Bali

$288 21.4%

Sialkot

$83 23.4% 71.1% $205

Eating Out

Ubud, Bali

$108 8%

Sialkot

$46 13% 57% $61

Clothing & Footwear

Ubud, Bali

$108 8%

Sialkot

$36 10.2% 66.4% $71

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Sialkot

$125 35.3% 20.5% $21

Sport & Entertainment

Ubud, Bali

$58 4.3%

Sialkot

$17 4.7% 71.2% $41

Getting Around

Ubud, Bali

$11 0.9%

Sialkot

$15 4.2% 29.4% $3.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $49 in Sialkot. Housing cost is often the main lever when comparing two cities.

Ubud, Bali pays 6% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36 in Ubud, Bali vs $7 in Sialkot for a mid-range dinner for two. Groceries echo the gap at $288 vs $83 per month, with Sialkot cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Sialkot

🕒 Local time

12:09 12:09 PM

09:09 9:09 AM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

655,852

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.62 USD

1,000 PKR = 3.24 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 November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of November 2, 2026: 1 USD = 276 PKR (1,000 PKR = 3.62 USD). 1 EUR = 309 PKR (1,000 PKR = 3.24 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Sialkot 6,280 km ≈ 8 h nonstop flight

From you

Ubud, Bali
Sialkot

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 Sialkot: Cost of Living - Frequently Asked Questions

Sialkot wins on cost – living expenses run 74% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Sialkot the obvious pick if budget is a priority.

Average pay runs 6% higher in Ubud, Bali, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,125 in Ubud, Bali versus $49 in Sialkot. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $356 in Sialkot – Sialkot is about 74% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 27% less than in Sialkot. The price difference matters if you commute daily and watch your budget.

At $356 in Sialkot versus $1,349 in Ubud, Bali, a $800 budget is realistic in Sialkot but tight or insufficient in Ubud, Bali. The gap between the two cities makes Sialkot 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.

It comes down to priorities – Sialkot wins on affordability, Ubud, Bali on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.