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 $1,157 per month in Banja Luka vs $1,027 in Livno, rent included.

A couple spends around $1,687 per month in Banja Luka vs $1,549 in Livno, rent included.

A family of three spends $2,218 per month in Banja Luka vs $2,072 in Livno, rent included.

Banja Luka costs about 13% more than Livno, driven mainly by Eating Out.

Both Banja Luka and Livno are more affordable than the global median – Banja Luka 13% lower, Livno 23% lower.

Meal at Budget Restaurant

$8.76 BAM 14.99

$4.62 BAM 7.91

89.61%

Three-Course Dinner for Two, Mid-Range

$42.44 BAM 72.6

$36.09 BAM 61.7

17.59%

Fast Food Meal (McDonalds, etc)

$8.89 BAM 15.20

$8.59 BAM 14.70

3.49%

Cappuccino

$1.64 BAM 2.80

$2.07 BAM 3.55

-20.77%

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

$2.02 BAM 3.45

$2.08 BAM 3.55

-2.88%

Water (0.33 liter bottle)

$1.21 BAM 2.07

$1.40 BAM 2.40

-13.57%

Local Beer (0.5 liter draught)

$2.03 BAM 3.48

$2.67 BAM 4.57

-23.97%

Imported Beer (0.33 liter bottle)

$2.83 BAM 4.83

$1.79 BAM 3.06

58.10%

Milk (1 liter)

$1.37 BAM 2.34

$1.38 BAM 2.35

-0.72%

White Bread (500g)

$1.29 BAM 2.20

$1.22 BAM 2.09

5.74%

Rice (white) (1kg)

$1.59 BAM 2.71

$2.13 BAM 3.64

-25.35%

Eggs

$2.99 BAM 5.12

$3.25 BAM 5.55

-8.00%

Local Cheese (1kg)

$9.32 BAM 15.95

$10.22 BAM 17.48

-8.81%

Chicken Fillets (1kg)

$8.83 BAM 15.10

$8.88 BAM 15.18

-0.56%

Beef Round Steak (1kg)

$12.25 BAM 20.95

$13.20 BAM 22.57

-7.20%

Apples (1kg)

$1.46 BAM 2.50

$1.54 BAM 2.63

-5.19%

Banana (1kg)

$1.64 BAM 2.81

$1.85 BAM 3.17

-11.35%

Oranges (1kg)

$1.92 BAM 3.28

$1.97 BAM 3.38

-2.54%

Tomato (1kg)

$2.01 BAM 3.44

$2.31 BAM 3.95

-12.99%

Potato (1kg)

$1.20 BAM 2.06

$1.08 BAM 1.84

11.11%

Onion (1kg)

$1.24 BAM 2.12

$1.15 BAM 1.97

7.83%

Lettuce (1 head)

$1.27 BAM 2.17

$1.24 BAM 2.12

2.42%

Water (1.5 liter bottle)

$0.73 BAM 1.25

$0.80 BAM 1.37

-8.75%

Cigarettes 20 Pack (Marlboro, Camel)

$3.85 BAM 6.59

$3.74 BAM 6.39

2.94%

Wine (Bottle)

$8.37 BAM 14.31

$4.10 BAM 7.02

104.15%

Local Beer (0.5 liter bottle)

$0.75 BAM 1.29

$1.10 BAM 1.88

-31.82%

Imported Beer (0.33 liter bottle)

$1.14 BAM 1.96

$1.27 BAM 2.17

-10.24%

One-way Ticket (Public Transport)

$1.43 BAM 2.44

$1.85 BAM 3.17

-22.70%

Public Transport Monthly Pass (Regular Price)

$37.54 BAM 64.2

$35.83 BAM 61.3

4.77%

Taxi Start (Normal Tariff)

$1.43 BAM 2.44

$1.49 BAM 2.55

-4.03%

Taxi (Normal Tariff) (1km)

$1.15 BAM 1.97

$0.82 BAM 1.40

40.24%

Taxi 1hour Waiting (Normal Tariff)

$8.77 BAM 15.01

$9.07 BAM 15.51

-3.31%

Gasoline (1 liter)

$1.48 BAM 2.54

$1.56 BAM 2.66

-5.13%

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

$29.1K BAM 49.7K

$26.8K BAM 45.8K

8.44%

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

$26.6K BAM 45.4K

$25.5K BAM 43.6K

4.14%

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

$172 BAM 293

$201 BAM 343

-14.59%

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

$18.77 BAM 32.11

$18.90 BAM 32.32

-0.69%

Internet (50+ Mbps, Unlimited Data)

$23.79 BAM 40.69

$33.60 BAM 57.5

-29.20%

Gym Membership (Monthly)

$28.49 BAM 48.73

$29.74 BAM 50.9

-4.20%

Tennis Court (1 Hour on Weekend)

$9.94 BAM 17.00

$11.12 BAM 19.02

-10.61%

Cinema Ticket

$4.82 BAM 8.25

$7.05 BAM 12.05

-31.63%

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

$239 BAM 409

$251 BAM 430

-4.80%

International Primary School, 1 Child (Yearly)

$3,672 BAM 6,280

$3,367 BAM 5,758

9.07%

Jeans (Levis 501 Or Similar)

$73.7 BAM 126

$91.9 BAM 157

-19.83%

Summer Dress (H&M, Zara, etc)

$37.10 BAM 63.5

$36.89 BAM 63.1

0.57%

Sport Shoes (Adidas, Nike)

$88.1 BAM 151

$109 BAM 186

-19.13%

Men's Leather Business Shoes

$123 BAM 211

$99.9 BAM 171

23.40%

1-bedroom Apartment, City Center (Monthly)

$459 BAM 785

$259 BAM 443

77.34%

1-bedroom Apartment, Outside City Center (Monthly)

$325 BAM 557

$167 BAM 285

95.19%

3-bedroom Apartment, City Center (Monthly)

$639 BAM 1,094

$370 BAM 634

72.60%

3-bedroom Apartment, Outside City Center (Monthly)

$467 BAM 799

$318 BAM 544

47.00%

Buy Apartment in City Center (m2)

$2,982 BAM 5,099

$2,801 BAM 4,791

6.44%

Buy Apartment Outside City Center (m2)

$1,925 BAM 3,293

$2,814 BAM 4,812

-31.58%

Average Monthly Net Salary (After Tax)

$893 BAM 1,527

$579 BAM 990

54.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.02

3.8

32.11%

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

Last update for Banja Luka: July 12, 2026

Last update for Livno: July 12, 2026

Cost Breakdown

A central one-bedroom costs $459 in Banja Luka versus $259 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 54% 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 $42.00 in Banja Luka versus $36.00 in Livno. Groceries tell a different story – $231 in Banja Luka vs $237 in Livno – so Banja Luka wins on supermarket bills even if dining out costs more.

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 13%, 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 $1,735 per month in Banja Luka and $1,540 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.

Interestingly, groceries are about 2% cheaper in Banja Luka – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $42.00 in Banja Luka and $36.00 in Livno. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Livno, where all-in costs run around $1,027, than in Banja Luka at $1,157. 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.