Cost of Living Comparison Between Ubud, Bali and Sialkot Cost of Living Comparison Between Ubud, Bali and Sialkot

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $331 in Sialkot.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $481 in Sialkot.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $632 in Sialkot.

Living in Ubud, Bali is roughly 321% more expensive than in Sialkot, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Sialkot is 75% below.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$1.04 PKR 288

243.27%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$7.20 PKR 1,998

348.89%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$2.78 PKR 772

80.22%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.79 PKR 496

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.61 PKR 1,002

Cappuccino

$2.82 Rp 51.0K

$1.46 PKR 404

93.15%

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

$1.35 Rp 24.4K

$0.39 PKR 109

246.15%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$0.17 PKR 46.50

329.41%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

Milk (1 liter)

$1.78 Rp 32.1K

$0.76 PKR 212

134.21%

White Bread (500g)

$2.45 Rp 44.2K

$0.61 PKR 169

301.64%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.16 PKR 321

-0.86%

Eggs

$2.41 Rp 43.6K

$1.25 PKR 348

92.80%

Local Cheese (1kg)

$14.33 Rp 258.7K

$4.38 PKR 1,214

227.17%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$2.68 PKR 745

56.34%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$3.92 PKR 1,088

207.65%

Apples (1kg)

$3.64 Rp 65.7K

$1.05 PKR 292

246.67%

Banana (1kg)

$1.57 Rp 28.3K

$0.65 PKR 181

141.54%

Oranges (1kg)

$2.79 Rp 50.3K

$0.93 PKR 259

200.00%

Tomato (1kg)

$2.24 Rp 40.5K

$0.61 PKR 169

267.21%

Potato (1kg)

$1.98 Rp 35.7K

$0.42 PKR 116

371.43%

Onion (1kg)

$2.28 Rp 41.1K

$0.58 PKR 160

293.10%

Lettuce (1 head)

$1.05 Rp 19.0K

$0.33 PKR 92.8

218.18%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$0.36 PKR 98.9

119.44%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.43 PKR 396

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.85 PKR 236

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.94 PKR 539

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$2.16 PKR 599

47.69%

Wine (Bottle)

$23.49 Rp 424.1K

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$0.20 PKR 55.9

35.00%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$10.79 PKR 2,993

-22.43%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$0.74 PKR 206

-39.19%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$0.40 PKR 111

15.00%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$2.91 PKR 808

108.59%

Gasoline (1 liter)

$0.86 Rp 15.6K

$0.95 PKR 265

-9.47%

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

$26.6K Rp 480.0M

$21.5K PKR 6.0M

23.51%

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

$32.5K Rp 587.6M

$26.2K PKR 7.3M

24.40%

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

$79.0 Rp 1.4M

$112 PKR 31.0K

-29.15%

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

$4.09 Rp 73.9K

$3.30 PKR 915

23.94%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$6.28 PKR 1,743

279.78%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$7.01 PKR 1,947

1309.13%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$5.42 PKR 1,503

17.16%

Cinema Ticket

$4.01 Rp 72.3K

$4.31 PKR 1,196

-6.96%

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

$297 Rp 5.4M

$21.13 PKR 5,864

1306.72%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$270 PKR 74.9K

2346.25%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$11.03 PKR 3,061

384.41%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$13.60 PKR 3,774

180.22%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$26.34 PKR 7,309

236.56%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$21.00 PKR 5,827

264.86%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$48.13 PKR 13.4K

2018.74%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$31.82 PKR 8,830

2037.84%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$108 PKR 30.0K

3106.06%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$66.5 PKR 18.4K

3043.76%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$154 PKR 42.8K

6.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

20.2

-34.26%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Sialkot: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $48.13 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: $32.00 in Ubud, Bali vs $7.00 in Sialkot for a mid-range dinner for two. Groceries echo the gap at $298 vs $86.0 per month, with Sialkot 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 Sialkot: Cost of Living - Frequently Asked Questions

Sialkot wins on cost – living expenses run 321% 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: $1,020 in Ubud, Bali versus $48.13 in Sialkot. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,392 per month in Ubud, Bali versus $331 in Sialkot – a 321% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Sialkot runs roughly 29% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $331 in Sialkot versus $1,392 in Ubud, Bali, a $1,000 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 work as nomad bases, but Sialkot delivers better value – similar infrastructure at $331 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Sialkot hard to pass up.

Safety-wise, Ubud, Bali and Sialkot 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 Sialkot gentler on the wallet – expenses run 321% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.