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 $1,266 per month in Banja Luka vs $1,368 in Ubud, Bali, rent included.

A couple spends around $1,923 per month in Banja Luka vs $2,348 in Ubud, Bali, rent included.

A family of three spends $2,579 per month in Banja Luka vs $3,327 in Ubud, Bali, rent included.

Banja Luka is about 7% cheaper than Ubud, Bali, driven mainly by Clothing & Footwear.

Banja Luka sits 7% below the global median, while Ubud, Bali is 0% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$10.16 BAM 17.33

$3.44 Rp 60.9K

195.35%

Three-Course Dinner for Two, Mid-Range

$51.1 BAM 87.1

$36.31 Rp 643.0K

40.68%

Fast Food Meal (McDonalds, etc)

$11.16 BAM 19.03

$5.71 Rp 101.0K

95.45%

Cappuccino

$1.84 BAM 3.15

$2.67 Rp 47.3K

-31.09%

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

$2.59 BAM 4.41

$1.75 Rp 31.0K

48.00%

Water (0.33 liter bottle)

$1.72 BAM 2.92

$0.87 Rp 15.4K

97.70%

Local Beer (0.5 liter draught)

$2.53 BAM 4.32

$2.95 Rp 52.3K

-14.24%

Imported Beer (0.33 liter bottle)

$3.60 BAM 6.13

$4.52 Rp 80.0K

-20.35%

Milk (1 liter)

$1.42 BAM 2.41

$1.62 Rp 28.7K

-12.35%

White Bread (500g)

$1.25 BAM 2.14

$2.33 Rp 41.3K

-46.35%

Rice (white) (1kg)

$1.63 BAM 2.78

$1.11 Rp 19.6K

46.85%

Eggs

$2.97 BAM 5.07

$2.20 Rp 39.0K

35.00%

Local Cheese (1kg)

$9.71 BAM 16.56

$17.69 Rp 313.3K

-45.11%

Chicken Fillets (1kg)

$8.74 BAM 14.90

$4.10 Rp 72.5K

113.17%

Beef Round Steak (1kg)

$14.61 BAM 24.91

$12.18 Rp 215.6K

19.95%

Apples (1kg)

$1.93 BAM 3.28

$3.71 Rp 65.6K

-47.98%

Banana (1kg)

$2.04 BAM 3.47

$1.59 Rp 28.1K

28.30%

Oranges (1kg)

$2.30 BAM 3.93

$2.28 Rp 40.4K

0.88%

Tomato (1kg)

$2.19 BAM 3.73

$1.95 Rp 34.6K

12.31%

Potato (1kg)

$1.07 BAM 1.82

$1.91 Rp 33.7K

-43.98%

Onion (1kg)

$1.46 BAM 2.49

$2.33 Rp 41.3K

-37.34%

Lettuce (1 head)

$1.21 BAM 2.06

$1.01 Rp 17.8K

19.80%

Water (1.5 liter bottle)

$0.87 BAM 1.48

$0.55 Rp 9,773

58.18%

Cigarettes 20 Pack (Marlboro, Camel)

$4.08 BAM 6.95

$2.23 Rp 39.5K

82.96%

Wine (Bottle)

$8.48 BAM 14.46

$23.07 Rp 408.6K

-63.24%

Local Beer (0.5 liter bottle)

$1.04 BAM 1.77

$2.42 Rp 42.8K

-57.02%

Imported Beer (0.33 liter bottle)

$1.45 BAM 2.47

$3.00 Rp 53.1K

-51.67%

One-way Ticket (Public Transport)

$1.35 BAM 2.30

$0.27 Rp 4,814

400.00%

Public Transport Monthly Pass (Regular Price)

$46.17 BAM 78.7

$8.98 Rp 159.1K

414.14%

Taxi Start (Normal Tariff)

$1.73 BAM 2.96

$0.48 Rp 8,566

260.42%

Taxi (Normal Tariff) (1km)

$1.17 BAM 1.99

$0.43 Rp 7,679

172.09%

Taxi 1hour Waiting (Normal Tariff)

$17.37 BAM 29.61

$5.64 Rp 99.9K

207.98%

Gasoline (1 liter)

$1.73 BAM 2.95

$0.80 Rp 14.2K

116.25%

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

$31.6K BAM 53.8K

$24.9K Rp 441.7M

26.57%

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

$21.8K BAM 37.2K

$31.7K Rp 561.5M

-31.18%

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

$167 BAM 284

$81.5 Rp 1.4M

104.57%

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

$17.00 BAM 28.98

$6.49 Rp 115.0K

161.94%

Internet (50+ Mbps, Unlimited Data)

$37.90 BAM 64.6

$18.77 Rp 332.4K

101.92%

Gym Membership (Monthly)

$39.72 BAM 67.7

$56.9 Rp 1.0M

-30.16%

Tennis Court (1 Hour on Weekend)

$15.32 BAM 26.13

$18.73 Rp 331.7K

-18.21%

Cinema Ticket

$6.07 BAM 10.35

$4.54 Rp 80.4K

33.70%

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

$304 BAM 518

$481 Rp 8.5M

-36.78%

International Primary School, 1 Child (Yearly)

$3,693 BAM 6,297

$5,711 Rp 101.1M

-35.33%

Jeans (Levis 501 Or Similar)

$86.7 BAM 148

$45.52 Rp 806.0K

90.55%

Summer Dress (H&M, Zara, etc)

$37.66 BAM 64.2

$35.88 Rp 635.4K

4.96%

Sport Shoes (Adidas, Nike)

$110 BAM 188

$80.4 Rp 1.4M

37.39%

Men's Leather Business Shoes

$146 BAM 248

$78.7 Rp 1.4M

85.25%

1-bedroom Apartment, City Center (Monthly)

$480 BAM 819

$1,115 Rp 19.7M

-56.89%

1-bedroom Apartment, Outside City Center (Monthly)

$324 BAM 552

$698 Rp 12.4M

-53.61%

3-bedroom Apartment, City Center (Monthly)

$721 BAM 1,229

$3,637 Rp 64.4M

-80.17%

3-bedroom Apartment, Outside City Center (Monthly)

$494 BAM 842

$1,737 Rp 30.8M

-71.59%

Buy Apartment in City Center (m2)

$2,998 BAM 5,111

$2,784 Rp 49.3M

7.67%

Buy Apartment Outside City Center (m2)

$1,970 BAM 3,359

$2,290 Rp 40.5M

-13.96%

Average Monthly Net Salary (After Tax)

$905 BAM 1,542

$168 Rp 3.0M

438.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

13.78

-67.78%

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

Last update for Banja Luka: September 14, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $480 in Banja Luka versus $1,115 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 438% 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 $51.0 in Banja Luka versus $36.00 in Ubud, Bali. Groceries tell a different story – $250 in Banja Luka vs $295 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 8%, and the gap shows up most in Clothing & Footwear. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $1,900 per month in Banja Luka and $2,052 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 18% 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 $51.0 in Banja Luka and $36.00 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 $1,266, than in Ubud, Bali at $1,368. 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.