Cost of Living Comparison Between Banja Luka and Livno Cost of Living Comparison Between Banja Luka and Livno

Monthly Cost of Living

A single person spends $1,266 per month in Banja Luka vs $906 in Livno, rent included.

A couple spends around $1,923 per month in Banja Luka vs $1,335 in Livno, rent included.

A family of three spends $2,579 per month in Banja Luka vs $1,763 in Livno, rent included.

Banja Luka costs about 40% more than Livno, driven mainly by Eating Out.

Both Banja Luka and Livno are more affordable than the global median – Banja Luka 7% lower, Livno 34% lower.

Meal at Budget Restaurant

$10.16 BAM 17.30

$4.69 BAM 7.98

116.63%

Three-Course Dinner for Two, Mid-Range

$51.1 BAM 86.9

$29.77 BAM 50.7

71.58%

Fast Food Meal (McDonalds, etc)

$11.16 BAM 19.00

$5.88 BAM 10.00

89.80%

Cappuccino

$1.84 BAM 3.14

$1.91 BAM 3.25

-3.66%

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

$2.59 BAM 4.40

$1.80 BAM 3.06

43.89%

Water (0.33 liter bottle)

$1.72 BAM 2.92

$1.28 BAM 2.18

34.37%

Local Beer (0.5 liter draught)

$2.53 BAM 4.31

$2.74 BAM 4.66

-7.66%

Imported Beer (0.33 liter bottle)

$3.60 BAM 6.12

$1.79 BAM 3.05

101.12%

Milk (1 liter)

$1.42 BAM 2.41

$1.15 BAM 1.95

23.48%

White Bread (500g)

$1.25 BAM 2.13

$0.99 BAM 1.68

26.26%

Rice (white) (1kg)

$1.63 BAM 2.77

$2.06 BAM 3.51

-20.87%

Eggs

$2.97 BAM 5.06

$2.70 BAM 4.60

10.00%

Local Cheese (1kg)

$9.71 BAM 16.53

$7.85 BAM 13.36

23.69%

Chicken Fillets (1kg)

$8.74 BAM 14.88

$7.69 BAM 13.09

13.65%

Beef Round Steak (1kg)

$14.61 BAM 24.86

$10.65 BAM 18.13

37.18%

Apples (1kg)

$1.93 BAM 3.28

$1.13 BAM 1.92

70.80%

Banana (1kg)

$2.04 BAM 3.47

$1.72 BAM 2.92

18.60%

Oranges (1kg)

$2.30 BAM 3.92

$1.40 BAM 2.39

64.29%

Tomato (1kg)

$2.19 BAM 3.72

$1.23 BAM 2.09

78.05%

Potato (1kg)

$1.07 BAM 1.81

$0.93 BAM 1.59

15.05%

Onion (1kg)

$1.46 BAM 2.48

$1.01 BAM 1.72

44.55%

Lettuce (1 head)

$1.21 BAM 2.05

$0.74 BAM 1.25

63.51%

Water (1.5 liter bottle)

$0.87 BAM 1.48

$0.69 BAM 1.18

26.09%

Cigarettes 20 Pack (Marlboro, Camel)

$4.08 BAM 6.94

$4.01 BAM 6.83

1.75%

Wine (Bottle)

$8.48 BAM 14.43

$4.21 BAM 7.16

101.43%

Local Beer (0.5 liter bottle)

$1.04 BAM 1.76

$0.78 BAM 1.32

33.33%

Imported Beer (0.33 liter bottle)

$1.45 BAM 2.46

$0.92 BAM 1.57

57.61%

One-way Ticket (Public Transport)

$1.35 BAM 2.30

$1.15 BAM 1.96

17.39%

Public Transport Monthly Pass (Regular Price)

$46.17 BAM 78.6

Taxi Start (Normal Tariff)

$1.73 BAM 2.95

$1.74 BAM 2.97

-0.57%

Taxi (Normal Tariff) (1km)

$1.17 BAM 1.98

$0.61 BAM 1.04

91.80%

Taxi 1hour Waiting (Normal Tariff)

$17.37 BAM 29.55

$6.08 BAM 10.34

185.69%

Gasoline (1 liter)

$1.73 BAM 2.95

$1.63 BAM 2.77

6.13%

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

$31.6K BAM 53.7K

$30.9K BAM 52.7K

2.04%

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

$21.8K BAM 37.1K

$21.6K BAM 36.8K

0.81%

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

$167 BAM 284

$137 BAM 234

21.39%

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

$17.00 BAM 28.93

$18.12 BAM 30.83

-6.18%

Internet (50+ Mbps, Unlimited Data)

$37.90 BAM 64.5

$27.30 BAM 46.46

38.83%

Gym Membership (Monthly)

$39.72 BAM 67.6

$36.67 BAM 62.4

8.32%

Tennis Court (1 Hour on Weekend)

$15.32 BAM 26.08

Cinema Ticket

$6.07 BAM 10.33

$5.72 BAM 9.74

6.12%

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

$304 BAM 517

$201 BAM 342

51.15%

International Primary School, 1 Child (Yearly)

$3,693 BAM 6,285

$2,316 BAM 3,942

59.43%

Jeans (Levis 501 Or Similar)

$86.7 BAM 148

$60.4 BAM 103

43.56%

Summer Dress (H&M, Zara, etc)

$37.66 BAM 64.1

$34.41 BAM 58.6

9.44%

Sport Shoes (Adidas, Nike)

$110 BAM 188

$86.7 BAM 148

27.41%

Men's Leather Business Shoes

$146 BAM 248

$85.3 BAM 145

70.84%

1-bedroom Apartment, City Center (Monthly)

$480 BAM 818

$390 BAM 664

23.19%

1-bedroom Apartment, Outside City Center (Monthly)

$324 BAM 551

$296 BAM 504

9.40%

3-bedroom Apartment, City Center (Monthly)

$721 BAM 1,227

$579 BAM 985

24.53%

3-bedroom Apartment, Outside City Center (Monthly)

$494 BAM 840

$327 BAM 557

50.82%

Buy Apartment in City Center (m2)

$2,998 BAM 5,102

$2,868 BAM 4,881

4.52%

Buy Apartment Outside City Center (m2)

$1,970 BAM 3,353

$2,783 BAM 4,736

-29.21%

Average Monthly Net Salary (After Tax)

$905 BAM 1,539

$584 BAM 994

54.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

4.33

2.54%

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

Last update for Banja Luka: September 14, 2026

Last update for Livno: September 14, 2026

Cost Breakdown

A central one-bedroom costs $480 in Banja Luka versus $390 in Livno. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 55% higher in Banja Luka, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $51.0 in Banja Luka versus $30.00 in Livno. Monthly groceries follow the same trend: $250 vs $192 – making Livno the more affordable choice for daily food spending.

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

Banja Luka vs Livno: Cost of Living - Frequently Asked Questions

Yes – Banja Luka is pricier by about 40%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,900 per month in Banja Luka and $1,360 in Livno. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $51.0 in Banja Luka and $30.00 in Livno. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 30% more in Banja Luka, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Livno, where all-in costs run around $906, than in Banja Luka at $1,266. In Livno it covers expenses comfortably, while in Banja Luka it requires careful planning or may not stretch far enough.

Families tend to lean toward Livno – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Livno. If higher salaries, better infrastructure, or specific career opportunities are the priority, Banja Luka makes more sense. Both are solid long-term options with distinct trade-offs.