Last update: Nov 2026

Cost of Living Comparison Between Banja Luka and Livno

For one person, living is cheaper in Livno: $860 a month against $1,194 in Banja Luka, rent and utilities included – about $4,000 less a year. Other living expenses account for most of the difference.

57

Cost of Living Index in Banja Luka
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Banja Luka Living Index
41

Cost of Living Index in Livno
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Livno Living Index

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Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,194

/mo nomad

Livno

🇧🇦 Bosnia and Herzegovina

$860

/mo nomad

Monthly Cost of Living

How much you'll spend in Banja Luka and in Livno

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Banja Luka and in Livno actually costs, broken down by who's living it.

A single person spends $1,194 per month in Banja Luka vs $860 in Livno, rent included.

Banja Luka $1,194
Livno $860

A couple spends around $1,824 per month in Banja Luka vs $1,299 in Livno, rent included.

Banja Luka $1,824
Livno $1,299

A family of three spends $2,454 per month in Banja Luka vs $1,738 in Livno, rent included.

Banja Luka $2,454
Livno $1,738

Banja Luka costs about 39% more than Livno, and outside of rent the biggest gap is in eating out.

Both Banja Luka and Livno are more affordable than the global median – Banja Luka 12% lower, Livno 36% lower.

Meal at Budget Restaurant

$10.02 BAM 17.50

$4.52 BAM 7.90

121.68%

Three-Course Dinner for Two, Mid-Range

$49.94 BAM 87.2

$31.43 BAM 54.9

58.89%

Fast Food Meal (McDonalds, etc)

$10.81 BAM 18.88

$5.64 BAM 9.85

91.67%

Cappuccino

$1.84 BAM 3.21

$1.89 BAM 3.30

-2.65%

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

$2.54 BAM 4.44

$1.88 BAM 3.29

35.11%

Water (0.33 liter bottle)

$1.68 BAM 2.94

$1.20 BAM 2.10

40.00%

Local Beer (0.5 liter draught)

$2.49 BAM 4.35

$2.54 BAM 4.43

-1.97%

Imported Beer (0.33 liter bottle)

$3.40 BAM 5.94

$1.69 BAM 2.94

101.18%

Milk (1 liter)

$1.43 BAM 2.50

$1.11 BAM 1.94

28.83%

White Bread (500g)

$1.17 BAM 2.04

$0.94 BAM 1.64

24.47%

Rice (white) (1kg)

$1.55 BAM 2.71

$2.06 BAM 3.59

-24.76%

Eggs

$2.85 BAM 4.97

$2.53 BAM 4.42

12.65%

Local Cheese (1kg)

$9.37 BAM 16.37

$7.69 BAM 13.44

21.85%

Chicken Fillets (1kg)

$8.89 BAM 15.53

$7.33 BAM 12.80

21.28%

Beef Round Steak (1kg)

$13.78 BAM 24.08

$10.55 BAM 18.43

30.62%

Apples (1kg)

$1.79 BAM 3.12

$1.11 BAM 1.94

61.26%

Banana (1kg)

$1.96 BAM 3.42

$1.68 BAM 2.93

16.67%

Oranges (1kg)

$2.23 BAM 3.89

$1.40 BAM 2.44

59.29%

Tomato (1kg)

$2.15 BAM 3.75

$1.14 BAM 2.00

88.60%

Potato (1kg)

$1.00 BAM 1.74

$1.04 BAM 1.81

-3.85%

Onion (1kg)

$1.42 BAM 2.48

$1.03 BAM 1.79

37.86%

Lettuce (1 head)

$1.14 BAM 2.00

$0.77 BAM 1.34

48.05%

Water (1.5 liter bottle)

$0.86 BAM 1.51

$0.66 BAM 1.16

30.30%

Cigarettes 20 Pack (Marlboro, Camel)

$3.94 BAM 6.89

$3.73 BAM 6.52

5.63%

Wine (Bottle)

$8.34 BAM 14.57

$4.10 BAM 7.17

103.41%

Local Beer (0.5 liter bottle)

$0.94 BAM 1.65

$0.80 BAM 1.39

17.50%

Imported Beer (0.33 liter bottle)

$1.39 BAM 2.43

$0.96 BAM 1.68

44.79%

One-way Ticket (Public Transport)

$1.28 BAM 2.24

$1.22 BAM 2.13

4.92%

Public Transport Monthly Pass (Regular Price)

$44.37 BAM 77.5

Taxi Start (Normal Tariff)

$1.77 BAM 3.08

$1.74 BAM 3.04

1.72%

Taxi (Normal Tariff) (1km)

$1.12 BAM 1.95

$0.56 BAM 0.97

100.00%

Taxi 1hour Waiting (Normal Tariff)

$16.98 BAM 29.67

$5.85 BAM 10.22

190.26%

Gasoline (1 liter)

$1.69 BAM 2.94

$1.61 BAM 2.81

4.97%

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

$30.6K BAM 53.5K

$29.4K BAM 51.3K

4.17%

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

$21.0K BAM 36.7K

$21.1K BAM 36.8K

-0.37%

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

$157 BAM 273

$131 BAM 229

19.27%

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

$16.30 BAM 28.48

$17.52 BAM 30.60

-6.96%

Internet (50+ Mbps, Unlimited Data)

$35.93 BAM 62.8

$25.88 BAM 45.21

38.83%

Gym Membership (Monthly)

$37.06 BAM 64.7

$34.13 BAM 59.6

8.58%

Tennis Court (1 Hour on Weekend)

$14.54 BAM 25.39

$13.06 BAM 22.82

11.33%

Cinema Ticket

$5.99 BAM 10.46

$6.96 BAM 12.16

-13.94%

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

$287 BAM 501

$193 BAM 338

48.30%

International Primary School, 1 Child (Yearly)

$3,607 BAM 6,302

$2,265 BAM 3,957

59.24%

Jeans (Levis 501 Or Similar)

$82.8 BAM 145

$59.4 BAM 104

39.40%

Summer Dress (H&M, Zara, etc)

$36.22 BAM 63.3

$33.18 BAM 58.0

9.16%

Sport Shoes (Adidas, Nike)

$105 BAM 184

$86.5 BAM 151

21.95%

Men's Leather Business Shoes

$142 BAM 248

$81.7 BAM 143

73.83%

1-bedroom Apartment, City Center (Monthly)

$441 BAM 770

$319 BAM 558

37.94%

1-bedroom Apartment, Outside City Center (Monthly)

$301 BAM 525

$219 BAM 383

37.32%

3-bedroom Apartment, City Center (Monthly)

$667 BAM 1,164

$517 BAM 902

29.01%

3-bedroom Apartment, Outside City Center (Monthly)

$475 BAM 830

$353 BAM 617

34.55%

Buy Apartment in City Center (m2)

$2,831 BAM 4,945

$2,799 BAM 4,890

1.12%

Buy Apartment Outside City Center (m2)

$1,874 BAM 3,274

$2,787 BAM 4,869

-32.77%

Average Monthly Net Salary (After Tax)

$867 BAM 1,515

$578 BAM 1,010

50.02%

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: November 2, 2026

Last update for Livno: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Banja Luka

$301 25.2%

Livno

$219 25.5% 27.2% $82

Groceries & Markets

Banja Luka

$243 20.3%

Livno

$187 21.8% 22.8% $55

Monthly Utilities & Internet

Banja Luka

$209 17.5%

Livno

$175 20.3% 16.3% $34

Eating Out

Banja Luka

$171 14.3%

Livno

$104 12.1% 39% $67

Clothing & Footwear

Banja Luka

$165 13.8%

Livno

$117 13.6% 28.9% $48

Getting Around

Banja Luka

$57 4.8%

Livno

$9.4 * 1.1% 83.4% $47

Sport & Entertainment

Banja Luka

$49 4.1%

Livno

$48 5.6% 2% $1

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $441 in Banja Luka versus $319 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 50% higher in Banja Luka. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $50 in Banja Luka versus $31 in Livno. Monthly groceries follow the same trend: $243 vs $187 – making Livno the more affordable choice for daily food spending.

Good to know

🇧🇦 Banja Luka

🇧🇦 Livno

🕒 Local time

09:56 9:56 AM

Same time as Banja Luka

🌤 Weather

👥 Population

138,963

17,000

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

1 BAM = 0.572 USD

1 BAM = 0.511 EUR

1 BAM = 0.572 USD

1 BAM = 0.511 EUR

Exchange rates and currency converter

USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

Bosnia and Herzegovina Convertible Mark exchange rates as of November 4, 2026: 1 USD = 1.75 BAM (1 BAM = 0.572 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

USD to BAM in detail →

On the map

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Banja Luka Livno 110 km

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Banja Luka
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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

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

Yes – Banja Luka is pricier by about 39%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $1,791 per month in Banja Luka and $1,290 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: a one-bedroom in the center costs $319 there versus $441 in Banja Luka.

A mid-range dinner for two costs $50 in Banja Luka and $31 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 the gap depends on what you buy.

$800 is a stretch for both – monthly costs hit $1,194 in Banja Luka and $860 in Livno. You’ll need shared housing and careful budgeting no matter which city you pick.

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 cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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