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 $1,133 per month in Banja Luka vs $1,030 in Livno, rent included.

A couple spends around $1,675 per month in Banja Luka vs $1,550 in Livno, rent included.

A family of three spends $2,217 per month in Banja Luka vs $2,070 in Livno, rent included.

Banja Luka costs about 10% more than Livno, driven mainly by Eating Out.

Both Banja Luka and Livno are more affordable than the global median – Banja Luka 15% lower, Livno 23% lower.

Meal at Budget Restaurant

$8.90 BAM 14.99

$4.76 BAM 8.02

86.97%

Three-Course Dinner for Two, Mid-Range

$41.26 BAM 69.5

$35.56 BAM 59.9

16.03%

Fast Food Meal (McDonalds, etc)

$8.70 BAM 14.65

$8.64 BAM 14.55

0.69%

Cappuccino

$1.63 BAM 2.75

$2.15 BAM 3.63

-24.19%

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

$1.99 BAM 3.35

$2.02 BAM 3.40

-1.49%

Water (0.33 liter bottle)

$1.15 BAM 1.93

$1.40 BAM 2.37

-17.86%

Local Beer (0.5 liter draught)

$2.02 BAM 3.41

$2.59 BAM 4.36

-22.01%

Imported Beer (0.33 liter bottle)

$2.72 BAM 4.58

$1.74 BAM 2.93

56.32%

Milk (1 liter)

$1.36 BAM 2.29

$1.36 BAM 2.30

White Bread (500g)

$1.25 BAM 2.10

$1.28 BAM 2.15

-2.34%

Rice (white) (1kg)

$1.57 BAM 2.65

$2.15 BAM 3.62

-26.98%

Eggs

$2.88 BAM 4.85

$3.29 BAM 5.55

-12.46%

Local Cheese (1kg)

$9.25 BAM 15.58

$10.26 BAM 17.28

-9.84%

Chicken Fillets (1kg)

$8.71 BAM 14.68

$8.52 BAM 14.35

2.23%

Beef Round Steak (1kg)

$12.26 BAM 20.65

$13.48 BAM 22.70

-9.05%

Apples (1kg)

$1.40 BAM 2.35

$1.55 BAM 2.61

-9.68%

Banana (1kg)

$1.65 BAM 2.77

$1.87 BAM 3.14

-11.76%

Oranges (1kg)

$1.93 BAM 3.25

$2.01 BAM 3.38

-3.98%

Tomato (1kg)

$2.03 BAM 3.42

$2.37 BAM 4.00

-14.35%

Potato (1kg)

$1.25 BAM 2.10

$1.07 BAM 1.80

16.82%

Onion (1kg)

$1.26 BAM 2.12

$1.19 BAM 2.01

5.88%

Lettuce (1 head)

$1.28 BAM 2.16

$1.23 BAM 2.08

4.07%

Water (1.5 liter bottle)

$0.77 BAM 1.29

$0.80 BAM 1.35

-3.75%

Cigarettes 20 Pack (Marlboro, Camel)

$3.72 BAM 6.27

Wine (Bottle)

$8.36 BAM 14.08

$4.06 BAM 6.85

105.91%

Local Beer (0.5 liter bottle)

$0.74 BAM 1.25

$1.05 BAM 1.78

-29.52%

Imported Beer (0.33 liter bottle)

$1.10 BAM 1.85

$1.32 BAM 2.23

-16.67%

One-way Ticket (Public Transport)

$1.36 BAM 2.30

$1.75 BAM 2.95

-22.29%

Public Transport Monthly Pass (Regular Price)

$36.41 BAM 61.4

$35.87 BAM 60.4

1.51%

Taxi Start (Normal Tariff)

$1.49 BAM 2.51

$1.43 BAM 2.40

4.20%

Taxi (Normal Tariff) (1km)

$1.10 BAM 1.85

$0.82 BAM 1.38

34.15%

Taxi 1hour Waiting (Normal Tariff)

$8.94 BAM 15.06

$8.94 BAM 15.07

Gasoline (1 liter)

$1.46 BAM 2.46

$1.56 BAM 2.62

-6.41%

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

$28.4K BAM 47.8K

$26.3K BAM 44.3K

7.83%

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

$26.9K BAM 45.4K

$26.1K BAM 43.9K

3.22%

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

$174 BAM 293

$198 BAM 334

-12.24%

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

$19.29 BAM 32.50

$18.65 BAM 31.42

3.43%

Internet (50+ Mbps, Unlimited Data)

$23.24 BAM 39.16

$33.08 BAM 55.7

-29.75%

Gym Membership (Monthly)

$27.95 BAM 47.09

$29.41 BAM 49.55

-4.96%

Tennis Court (1 Hour on Weekend)

$9.92 BAM 16.71

$11.13 BAM 18.75

-10.87%

Cinema Ticket

$4.69 BAM 7.91

$6.88 BAM 11.60

-31.83%

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

$238 BAM 400

$254 BAM 428

-6.40%

International Primary School, 1 Child (Yearly)

$3,758 BAM 6,331

$3,407 BAM 5,740

10.30%

Jeans (Levis 501 Or Similar)

$74.5 BAM 126

$90.6 BAM 153

-17.69%

Summer Dress (H&M, Zara, etc)

$36.14 BAM 60.9

$37.41 BAM 63.0

-3.39%

Sport Shoes (Adidas, Nike)

$88.9 BAM 150

$107 BAM 181

-17.15%

Men's Leather Business Shoes

$124 BAM 208

$101 BAM 170

22.59%

1-bedroom Apartment, City Center (Monthly)

$465 BAM 783

$254 BAM 427

83.38%

1-bedroom Apartment, Outside City Center (Monthly)

$322 BAM 543

$168 BAM 282

92.40%

3-bedroom Apartment, City Center (Monthly)

$646 BAM 1,088

$360 BAM 607

79.41%

3-bedroom Apartment, Outside City Center (Monthly)

$477 BAM 804

$310 BAM 523

53.83%

Buy Apartment in City Center (m2)

$3,163 BAM 5,329

$2,843 BAM 4,790

11.26%

Buy Apartment Outside City Center (m2)

$2,023 BAM 3,409

$2,874 BAM 4,842

-29.60%

Average Monthly Net Salary (After Tax)

$901 BAM 1,518

$585 BAM 986

54.03%

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: June 2, 2026

Last update for Livno: May 31, 2026

Cost Breakdown

A central one-bedroom costs $465 in Banja Luka versus $254 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 $41.00 in Banja Luka versus $36.00 in Livno. Groceries tell a different story – $230 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 10%, 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 $1,699 per month in Banja Luka and $1,545 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 3% 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 $41.00 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 $1,030, than in Banja Luka at $1,133. 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.