Last update: Nov 2026

Cost of Living Comparison Between Banja Luka and Neum

For one person, living is cheaper in Neum: $927 a month against $1,194 in Banja Luka, rent and utilities included – about $3,200 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
44

Cost of Living Index in Neum
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Neum Living Index

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Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,194

/mo nomad

Neum

🇧🇦 Bosnia and Herzegovina

$927

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,194 per month in Banja Luka vs $927 in Neum, rent included.

Banja Luka $1,194
Neum $927

A couple spends around $1,824 per month in Banja Luka vs $1,395 in Neum, rent included.

Banja Luka $1,824
Neum $1,395

A family of three spends $2,454 per month in Banja Luka vs $1,863 in Neum, rent included.

Banja Luka $2,454
Neum $1,863

Banja Luka costs about 29% more than Neum, and outside of rent the biggest gap is in eating out.

Both Banja Luka and Neum are more affordable than the global median – Banja Luka 12% lower, Neum 31% lower.

Meal at Budget Restaurant

$10.02 BAM 17.52

$5.13 BAM 8.98

95.32%

Three-Course Dinner for Two, Mid-Range

$49.94 BAM 87.3

$31.22 BAM 54.6

59.96%

Fast Food Meal (McDonalds, etc)

$10.81 BAM 18.90

$5.77 BAM 10.09

87.35%

Cappuccino

$1.84 BAM 3.21

$1.89 BAM 3.30

-2.65%

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

$2.54 BAM 4.45

$1.92 BAM 3.36

32.29%

Water (0.33 liter bottle)

$1.68 BAM 2.94

$1.24 BAM 2.17

35.48%

Local Beer (0.5 liter draught)

$2.49 BAM 4.35

$2.56 BAM 4.48

-2.73%

Imported Beer (0.33 liter bottle)

$3.40 BAM 5.95

$2.20 BAM 3.85

54.55%

Milk (1 liter)

$1.43 BAM 2.51

$1.17 BAM 2.04

22.22%

White Bread (500g)

$1.17 BAM 2.04

$0.96 BAM 1.68

21.87%

Rice (white) (1kg)

$1.55 BAM 2.72

$1.99 BAM 3.47

-22.11%

Eggs

$2.85 BAM 4.98

$2.56 BAM 4.47

11.33%

Local Cheese (1kg)

$9.37 BAM 16.38

$7.94 BAM 13.87

18.01%

Chicken Fillets (1kg)

$8.89 BAM 15.54

$7.09 BAM 12.39

25.39%

Beef Round Steak (1kg)

$13.78 BAM 24.09

$10.69 BAM 18.68

28.91%

Apples (1kg)

$1.79 BAM 3.12

$1.09 BAM 1.91

64.22%

Banana (1kg)

$1.96 BAM 3.42

$1.56 BAM 2.72

25.64%

Oranges (1kg)

$2.23 BAM 3.89

$1.39 BAM 2.43

60.43%

Tomato (1kg)

$2.15 BAM 3.75

$1.19 BAM 2.07

80.67%

Potato (1kg)

$1.00 BAM 1.74

$0.98 BAM 1.72

2.04%

Onion (1kg)

$1.42 BAM 2.48

$1.01 BAM 1.77

40.59%

Lettuce (1 head)

$1.14 BAM 2.00

$0.75 BAM 1.32

52.00%

Water (1.5 liter bottle)

$0.86 BAM 1.51

$0.66 BAM 1.15

30.30%

Cigarettes 20 Pack (Marlboro, Camel)

$3.94 BAM 6.89

$3.73 BAM 6.52

5.63%

Wine (Bottle)

$8.34 BAM 14.58

$4.02 BAM 7.03

107.46%

Local Beer (0.5 liter bottle)

$0.94 BAM 1.65

$0.74 BAM 1.29

27.03%

Imported Beer (0.33 liter bottle)

$1.39 BAM 2.43

$0.95 BAM 1.66

46.32%

One-way Ticket (Public Transport)

$1.28 BAM 2.24

$1.18 BAM 2.06

8.47%

Public Transport Monthly Pass (Regular Price)

$44.37 BAM 77.6

$56.6 BAM 99.0

-21.65%

Taxi Start (Normal Tariff)

$1.77 BAM 3.09

$1.68 BAM 2.94

5.36%

Taxi (Normal Tariff) (1km)

$1.12 BAM 1.95

$0.54 BAM 0.95

107.41%

Taxi 1hour Waiting (Normal Tariff)

$16.98 BAM 29.69

$5.61 BAM 9.81

202.67%

Gasoline (1 liter)

$1.69 BAM 2.95

$1.61 BAM 2.82

4.97%

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

$30.6K BAM 53.5K

$30.3K BAM 52.9K

1.19%

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

$21.0K BAM 36.7K

$21.3K BAM 37.2K

-1.27%

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

$157 BAM 274

$133 BAM 233

17.27%

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

$16.30 BAM 28.49

$17.86 BAM 31.22

-8.73%

Internet (50+ Mbps, Unlimited Data)

$35.93 BAM 62.8

$26.16 BAM 45.72

37.35%

Gym Membership (Monthly)

$37.06 BAM 64.8

$33.79 BAM 59.1

9.68%

Tennis Court (1 Hour on Weekend)

$14.54 BAM 25.41

$12.80 BAM 22.37

13.59%

Cinema Ticket

$5.99 BAM 10.46

$6.79 BAM 11.87

-11.78%

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

$287 BAM 501

$195 BAM 341

47.24%

International Primary School, 1 Child (Yearly)

$3,607 BAM 6,306

$2,266 BAM 3,961

59.18%

Jeans (Levis 501 Or Similar)

$82.8 BAM 145

$59.3 BAM 104

39.78%

Summer Dress (H&M, Zara, etc)

$36.22 BAM 63.3

$32.85 BAM 57.4

10.26%

Sport Shoes (Adidas, Nike)

$105 BAM 184

$86.9 BAM 152

21.38%

Men's Leather Business Shoes

$142 BAM 248

$83.2 BAM 145

70.67%

1-bedroom Apartment, City Center (Monthly)

$441 BAM 770

$318 BAM 556

38.38%

1-bedroom Apartment, Outside City Center (Monthly)

$301 BAM 526

$221 BAM 387

35.98%

3-bedroom Apartment, City Center (Monthly)

$667 BAM 1,165

$517 BAM 903

29.03%

3-bedroom Apartment, Outside City Center (Monthly)

$475 BAM 830

$351 BAM 613

35.39%

Buy Apartment in City Center (m2)

$2,831 BAM 4,948

$2,303 BAM 4,026

22.90%

Buy Apartment Outside City Center (m2)

$1,874 BAM 3,276

$1,640 BAM 2,867

14.26%

Average Monthly Net Salary (After Tax)

$867 BAM 1,516

$869 BAM 1,519

-0.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

2.9

53.10%

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

Last update for Banja Luka: November 2, 2026

Last update for Neum: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Banja Luka

$301 25.2%

Neum

$221 23.9% 26.5% $80

Groceries & Markets

Banja Luka

$243 20.3%

Neum

$187 20.1% 23.1% $56

Monthly Utilities & Internet

Banja Luka

$209 17.5%

Neum

$178 19.1% 15% $31

Eating Out

Banja Luka

$171 14.3%

Neum

$111 12% 35.1% $60

Clothing & Footwear

Banja Luka

$165 13.8%

Neum

$118 12.7% 28.5% $47

Getting Around

Banja Luka

$57 4.8%

Neum

$66 7.1% 15.7% $8.9

Sport & Entertainment

Banja Luka

$49 4.1%

Neum

$47 5.1% 3.4% $1.7

Cost Breakdown

A central one-bedroom costs $441 in Banja Luka versus $318 in Neum. 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 $50 in Banja Luka versus $31 in Neum. Monthly groceries follow the same trend: $243 vs $187 – making Neum the more affordable choice for daily food spending.

Good to know

🇧🇦 Banja Luka

🇧🇦 Neum

🕒 Local time

00:22 12:22 AM

Same time as Banja Luka

🌤 Weather

👥 Population

138,963

3,200

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

1 BAM = 0.572 USD

1 BAM = 0.512 EUR

1 BAM = 0.572 USD

1 BAM = 0.512 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 3, 2026: 1 USD = 1.75 BAM (1 BAM = 0.572 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

USD to BAM in detail →

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Banja Luka Neum 210 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 Neum: Cost of Living - Frequently Asked Questions

Yes – Banja Luka is pricier by about 29%, 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 $1,391 in Neum. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Neum, especially for central apartments: a one-bedroom in the center costs $318 there versus $441 in Banja Luka.

Groceries cost about 30% more in Banja Luka, though the gap depends on what you buy.

A mid-range dinner for two costs $50 in Banja Luka and $31 in Neum. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Families tend to lean toward Neum – 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.