Cost of Living Comparison Between Banja Luka and Ubud, Bali Cost of Living Comparison Between Banja Luka and Ubud, Bali

Monthly Cost of Living

A single person spends $1,133 per month in Banja Luka vs $1,419 in Ubud, Bali, rent included.

A couple spends around $1,675 per month in Banja Luka vs $2,540 in Ubud, Bali, rent included.

A family of three spends $2,217 per month in Banja Luka vs $3,660 in Ubud, Bali, rent included.

Banja Luka is about 20% cheaper than Ubud, Bali, driven mainly by Groceries & Markets.

Banja Luka sits 15% below the global median, while Ubud, Bali is 6% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$8.90 BAM 14.99

$3.56 Rp 63.9K

150.00%

Three-Course Dinner for Two, Mid-Range

$41.26 BAM 69.5

$32.73 Rp 586.8K

26.06%

Fast Food Meal (McDonalds, etc)

$8.70 BAM 14.65

$4.95 Rp 88.7K

75.76%

Cappuccino

$1.63 BAM 2.75

$2.71 Rp 48.6K

-39.85%

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

$1.99 BAM 3.35

$1.34 Rp 24.1K

48.51%

Water (0.33 liter bottle)

$1.15 BAM 1.93

$0.70 Rp 12.5K

64.29%

Local Beer (0.5 liter draught)

$2.02 BAM 3.41

$2.92 Rp 52.3K

-30.82%

Imported Beer (0.33 liter bottle)

$2.72 BAM 4.58

$3.96 Rp 70.9K

-31.31%

Milk (1 liter)

$1.36 BAM 2.29

$1.81 Rp 32.4K

-24.86%

White Bread (500g)

$1.25 BAM 2.10

$2.52 Rp 45.1K

-50.40%

Rice (white) (1kg)

$1.57 BAM 2.65

$1.16 Rp 20.8K

35.34%

Eggs

$2.88 BAM 4.85

$2.46 Rp 44.1K

17.07%

Local Cheese (1kg)

$9.25 BAM 15.58

$14.71 Rp 263.7K

-37.12%

Chicken Fillets (1kg)

$8.71 BAM 14.68

$4.32 Rp 77.4K

101.62%

Beef Round Steak (1kg)

$12.26 BAM 20.65

$12.14 Rp 217.5K

0.99%

Apples (1kg)

$1.40 BAM 2.35

$3.84 Rp 68.8K

-63.54%

Banana (1kg)

$1.65 BAM 2.77

$1.56 Rp 27.9K

5.77%

Oranges (1kg)

$1.93 BAM 3.25

$2.83 Rp 50.8K

-31.80%

Tomato (1kg)

$2.03 BAM 3.42

$2.33 Rp 41.7K

-12.88%

Potato (1kg)

$1.25 BAM 2.10

$1.91 Rp 34.3K

-34.55%

Onion (1kg)

$1.26 BAM 2.12

$2.20 Rp 39.5K

-42.73%

Lettuce (1 head)

$1.28 BAM 2.16

$1.01 Rp 18.2K

26.73%

Water (1.5 liter bottle)

$0.77 BAM 1.29

$0.78 Rp 13.9K

-1.28%

Cigarettes 20 Pack (Marlboro, Camel)

$3.72 BAM 6.27

$3.32 Rp 59.4K

12.05%

Wine (Bottle)

$8.36 BAM 14.08

$23.74 Rp 425.5K

-64.79%

Local Beer (0.5 liter bottle)

$0.74 BAM 1.25

$2.79 Rp 50.0K

-73.48%

Imported Beer (0.33 liter bottle)

$1.10 BAM 1.85

$2.86 Rp 51.3K

-61.54%

One-way Ticket (Public Transport)

$1.36 BAM 2.30

$0.27 Rp 4,819

403.70%

Public Transport Monthly Pass (Regular Price)

$36.41 BAM 61.4

$8.03 Rp 143.9K

353.42%

Taxi Start (Normal Tariff)

$1.49 BAM 2.51

$0.46 Rp 8,181

223.91%

Taxi (Normal Tariff) (1km)

$1.10 BAM 1.85

$0.45 Rp 8,068

144.44%

Taxi 1hour Waiting (Normal Tariff)

$8.94 BAM 15.06

$6.10 Rp 109.3K

46.56%

Gasoline (1 liter)

$1.46 BAM 2.46

$0.79 Rp 14.2K

84.81%

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

$28.4K BAM 47.8K

$26.1K Rp 468.8M

8.53%

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

$26.9K BAM 45.4K

$32.1K Rp 575.8M

-16.17%

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

$174 BAM 293

$79.9 Rp 1.4M

117.34%

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

$19.29 BAM 32.50

$4.06 Rp 72.9K

375.12%

Internet (50+ Mbps, Unlimited Data)

$23.24 BAM 39.16

$23.52 Rp 421.6K

-1.19%

Gym Membership (Monthly)

$27.95 BAM 47.09

$98.7 Rp 1.8M

-71.68%

Tennis Court (1 Hour on Weekend)

$9.92 BAM 16.71

$6.63 Rp 118.8K

49.62%

Cinema Ticket

$4.69 BAM 7.91

$4.15 Rp 74.3K

13.01%

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

$238 BAM 400

$304 Rp 5.4M

-21.85%

International Primary School, 1 Child (Yearly)

$3,758 BAM 6,331

$6,613 Rp 118.5M

-43.18%

Jeans (Levis 501 Or Similar)

$74.5 BAM 126

$55.5 Rp 995.6K

34.19%

Summer Dress (H&M, Zara, etc)

$36.14 BAM 60.9

$38.31 Rp 686.7K

-5.66%

Sport Shoes (Adidas, Nike)

$88.9 BAM 150

$88.6 Rp 1.6M

0.29%

Men's Leather Business Shoes

$124 BAM 208

$77.9 Rp 1.4M

58.70%

1-bedroom Apartment, City Center (Monthly)

$465 BAM 783

$1,006 Rp 18.0M

-53.81%

1-bedroom Apartment, Outside City Center (Monthly)

$322 BAM 543

$675 Rp 12.1M

-52.25%

3-bedroom Apartment, City Center (Monthly)

$646 BAM 1,088

$3,442 Rp 61.7M

-81.24%

3-bedroom Apartment, Outside City Center (Monthly)

$477 BAM 804

$2,039 Rp 36.6M

-76.61%

Buy Apartment in City Center (m2)

$3,163 BAM 5,329

$2,841 Rp 50.9M

11.33%

Buy Apartment Outside City Center (m2)

$2,023 BAM 3,409

$2,264 Rp 40.6M

-10.63%

Average Monthly Net Salary (After Tax)

$901 BAM 1,518

$165 Rp 3.0M

445.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.02

13.28

-62.20%

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

Last update for Banja Luka: June 2, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $465 in Banja Luka versus $1,006 in Ubud, Bali. 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 445% higher in Banja Luka, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $41.00 in Banja Luka versus $33.00 in Ubud, Bali. Groceries tell a different story – $230 in Banja Luka vs $302 in Ubud, Bali – 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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 25%, and the gap shows up most in Groceries & Markets. 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 $2,129 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 31% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $41.00 in Banja Luka and $33.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Banja Luka, where all-in costs run around $1,133, than in Ubud, Bali at $1,419. In Banja Luka it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Banja Luka – 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 Banja Luka. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.