Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Skardu

For one person, living is cheaper in Skardu: $426 a month against $1,353 in Ubud, Bali, rent and utilities included – about $11,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
22

Cost of Living Index in Skardu
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Skardu Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Skardu

🇵🇰 Pakistan

$426

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,353 per month in Ubud, Bali vs $426 in Skardu, rent included.

Ubud, Bali $1,353
Skardu $426

A couple spends around $2,297 per month in Ubud, Bali vs $636 in Skardu, rent included.

Ubud, Bali $2,297
Skardu $636

A family of three spends $3,241 per month in Ubud, Bali vs $847 in Skardu, rent included.

Ubud, Bali $3,241
Skardu $847

Ubud, Bali costs about 218% more than Skardu, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Skardu is 69% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$1.84 PKR 509

75.54%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$11.31 PKR 3,132

208.40%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$4.65 PKR 1,286

22.58%

Local Non-Alcoholic Beer (0.5 liter draught)

$2.72 PKR 753

Imported Non-Alcoholic Beer (0.33 liter bottle)

$5.11 PKR 1,415

Cappuccino

$2.62 Rp 47.1K

$1.68 PKR 464

55.95%

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

$1.72 Rp 31.0K

$0.31 PKR 84.5

454.84%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.18 PKR 50.3

350.00%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$1.57 Rp 28.3K

$0.86 PKR 238

82.56%

White Bread (500g)

$2.19 Rp 39.5K

$0.59 PKR 164

271.19%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.16 PKR 320

1.72%

Eggs

$2.16 Rp 38.8K

$1.20 PKR 333

80.00%

Local Cheese (1kg)

$17.65 Rp 317.7K

$5.40 PKR 1,494

226.85%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$2.50 PKR 691

51.20%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$5.02 PKR 1,389

138.05%

Apples (1kg)

$3.60 Rp 64.8K

$1.10 PKR 305

227.27%

Banana (1kg)

$1.59 Rp 28.6K

$0.54 PKR 149

194.44%

Oranges (1kg)

$2.31 Rp 41.6K

$0.79 PKR 220

192.41%

Tomato (1kg)

$1.91 Rp 34.3K

$0.55 PKR 153

247.27%

Potato (1kg)

$1.78 Rp 32.1K

$0.28 PKR 76.3

535.71%

Onion (1kg)

$2.33 Rp 41.9K

$0.35 PKR 97.5

565.71%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.46 PKR 127

117.39%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.38 PKR 104

39.47%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.59 PKR 441

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.07 PKR 295

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.04 PKR 563

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.10 PKR 580

9.05%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.16 PKR 45.37

43.75%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$9.06 PKR 2,509

-1.77%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.24 PKR 343

-62.10%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.71 PKR 196

-39.44%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$1.83 PKR 506

198.91%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.18 PKR 327

-29.66%

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

$23.9K Rp 429.8M

$19.1K PKR 5.3M

25.27%

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

$32.8K Rp 590.1M

$26.2K PKR 7.3M

25.03%

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

$80.0 Rp 1.4M

$87.8 PKR 24.3K

-8.92%

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

$6.56 Rp 118.1K

$3.60 PKR 996

82.22%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$13.36 PKR 3,697

39.22%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$15.33 PKR 4,243

253.03%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$7.98 PKR 2,208

129.07%

Cinema Ticket

$4.25 Rp 76.5K

$4.88 PKR 1,351

-12.91%

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

$493 Rp 8.9M

$47.71 PKR 13.2K

932.68%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$1,082 PKR 299.5K

417.27%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$19.16 PKR 5,304

137.89%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$24.54 PKR 6,793

42.46%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$59.7 PKR 16.5K

30.29%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$34.15 PKR 9,451

129.93%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$128 PKR 35.4K

785.77%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$78.3 PKR 21.7K

759.69%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$250 PKR 69.3K

1343.53%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$139 PKR 38.4K

1126.11%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$1,070 PKR 296.0K

154.06%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$494 PKR 136.8K

353.41%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.00%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Skardu: October 17, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Skardu

$78 18.4% 88.4% $595

Groceries & Markets

Ubud, Bali

$287 21.2%

Skardu

$90 21.2% 68.6% $197

Clothing & Footwear

Ubud, Bali

$107 7.9%

Skardu

$62 14.5% 41.9% $45

Eating Out

Ubud, Bali

$106 7.9%

Skardu

$51 11.9% 52.3% $56

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Skardu

$105 24.6% 0.4% $0.4

Sport & Entertainment

Ubud, Bali

$63 4.6%

Skardu

$25 5.9% 59.9% $38

Getting Around

Ubud, Bali

$12 0.9%

Skardu

$15 3.4% 16.7% $2.1

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $128 in Skardu. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $11.00 in Skardu. Monthly groceries follow the same trend: $287 vs $90.0 – making Skardu the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Skardu

🕒 Local time

22:54 10:54 PM

19:54 7:54 PM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

260,000

💱 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 22, 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 22, 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

Lowest

Highest

Between locations

Ubud, Bali Skardu 6,400 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Skardu

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 Skardu: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,353 in Ubud, Bali, $426 in Skardu – roughly 218% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $638 in Skardu. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Skardu, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 218% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $35.00 in Ubud, Bali and $11.00 in Skardu. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Skardu, where all-in costs run around $426, than in Ubud, Bali at $1,353. In Skardu it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $426 in Skardu to $1,353 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Skardu. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.