Last update: Oct 2026

Cost of Living Comparison Between Banja Luka and Ubud, Bali

For one person, living is cheaper in Banja Luka: $1,198 a month against $1,349 in Ubud, Bali, rent and utilities included – about $1,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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Cost of Living Index in Banja Luka
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Banja Luka Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,198

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Banja Luka and in Ubud, Bali

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

A single person spends $1,198 per month in Banja Luka vs $1,349 in Ubud, Bali, rent included.

Banja Luka $1,198
Ubud, Bali $1,349

A couple spends around $1,826 per month in Banja Luka vs $2,305 in Ubud, Bali, rent included.

Banja Luka $1,826
Ubud, Bali $2,305

A family of three spends $2,454 per month in Banja Luka vs $3,261 in Ubud, Bali, rent included.

Banja Luka $2,454
Ubud, Bali $3,261

Banja Luka is about 11% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$9.52 BAM 16.67

$3.32 Rp 60.2K

186.75%

Three-Course Dinner for Two, Mid-Range

$49.53 BAM 86.8

$35.64 Rp 645.8K

38.97%

Fast Food Meal (McDonalds, etc)

$10.69 BAM 18.72

$5.53 Rp 100.3K

93.31%

Cappuccino

$1.84 BAM 3.23

$2.72 Rp 49.3K

-32.35%

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

$2.55 BAM 4.47

$1.70 Rp 30.8K

50.00%

Water (0.33 liter bottle)

$1.69 BAM 2.96

$0.76 Rp 13.8K

122.37%

Local Beer (0.5 liter draught)

$2.36 BAM 4.13

$2.65 Rp 48.1K

-10.94%

Imported Beer (0.33 liter bottle)

$3.37 BAM 5.89

$4.38 Rp 79.4K

-23.06%

Milk (1 liter)

$1.37 BAM 2.41

$1.49 Rp 27.0K

-8.05%

White Bread (500g)

$1.23 BAM 2.15

$2.28 Rp 41.2K

-46.05%

Rice (white) (1kg)

$1.59 BAM 2.78

$1.19 Rp 21.6K

33.61%

Eggs

$2.89 BAM 5.06

$2.04 Rp 36.9K

41.67%

Local Cheese (1kg)

$9.76 BAM 17.10

$17.70 Rp 320.8K

-44.86%

Chicken Fillets (1kg)

$8.92 BAM 15.63

$3.96 Rp 71.8K

125.25%

Beef Round Steak (1kg)

$14.07 BAM 24.64

$12.19 Rp 220.9K

15.42%

Apples (1kg)

$1.84 BAM 3.23

$3.66 Rp 66.2K

-49.73%

Banana (1kg)

$1.96 BAM 3.44

$1.52 Rp 27.5K

28.95%

Oranges (1kg)

$2.21 BAM 3.88

$2.23 Rp 40.4K

-0.90%

Tomato (1kg)

$2.16 BAM 3.78

$1.97 Rp 35.7K

9.64%

Potato (1kg)

$0.99 BAM 1.73

$1.85 Rp 33.5K

-46.49%

Onion (1kg)

$1.37 BAM 2.39

$2.42 Rp 43.9K

-43.39%

Lettuce (1 head)

$1.13 BAM 1.98

$0.99 Rp 17.9K

14.14%

Water (1.5 liter bottle)

$0.89 BAM 1.57

$0.51 Rp 9,303

74.51%

Cigarettes 20 Pack (Marlboro, Camel)

$3.92 BAM 6.86

$2.22 Rp 40.3K

76.58%

Wine (Bottle)

$7.99 BAM 14.00

$22.24 Rp 403.0K

-64.07%

Local Beer (0.5 liter bottle)

$0.99 BAM 1.74

$2.26 Rp 41.0K

-56.19%

Imported Beer (0.33 liter bottle)

$1.41 BAM 2.47

$2.97 Rp 53.8K

-52.53%

One-way Ticket (Public Transport)

$1.33 BAM 2.33

$0.25 Rp 4,548

432.00%

Public Transport Monthly Pass (Regular Price)

$45.28 BAM 79.3

$7.82 Rp 141.8K

479.03%

Taxi Start (Normal Tariff)

$1.69 BAM 2.96

$0.44 Rp 7,964

284.09%

Taxi (Normal Tariff) (1km)

$1.12 BAM 1.96

$0.43 Rp 7,793

160.47%

Taxi 1hour Waiting (Normal Tariff)

$16.85 BAM 29.50

$5.41 Rp 98.0K

211.46%

Gasoline (1 liter)

$1.77 BAM 3.10

$0.82 Rp 14.9K

115.85%

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

$30.4K BAM 53.3K

$23.8K Rp 432.0M

27.72%

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

$21.1K BAM 37.0K

$31.7K Rp 575.3M

-33.41%

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

$163 BAM 285

$79.1 Rp 1.4M

105.54%

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

$16.51 BAM 28.92

$6.45 Rp 116.8K

155.97%

Internet (50+ Mbps, Unlimited Data)

$36.88 BAM 64.6

$18.58 Rp 336.7K

98.49%

Gym Membership (Monthly)

$36.35 BAM 63.7

$49.48 Rp 896.7K

-26.54%

Tennis Court (1 Hour on Weekend)

$15.04 BAM 26.35

$17.65 Rp 319.8K

-14.79%

Cinema Ticket

$5.78 BAM 10.12

$4.27 Rp 77.4K

35.36%

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

$283 BAM 496

$491 Rp 8.9M

-42.24%

International Primary School, 1 Child (Yearly)

$3,604 BAM 6,313

$5,674 Rp 102.8M

-36.47%

Jeans (Levis 501 Or Similar)

$82.1 BAM 144

$44.64 Rp 808.9K

83.98%

Summer Dress (H&M, Zara, etc)

$36.26 BAM 63.5

$34.95 Rp 633.4K

3.75%

Sport Shoes (Adidas, Nike)

$106 BAM 185

$79.9 Rp 1.4M

32.05%

Men's Leather Business Shoes

$145 BAM 254

$79.4 Rp 1.4M

82.40%

1-bedroom Apartment, City Center (Monthly)

$435 BAM 763

$1,125 Rp 20.4M

-61.30%

1-bedroom Apartment, Outside City Center (Monthly)

$299 BAM 523

$671 Rp 12.2M

-55.49%

3-bedroom Apartment, City Center (Monthly)

$658 BAM 1,152

$3,565 Rp 64.6M

-81.54%

3-bedroom Apartment, Outside City Center (Monthly)

$471 BAM 825

$1,723 Rp 31.2M

-72.65%

Buy Apartment in City Center (m2)

$2,826 BAM 4,950

$2,732 Rp 49.5M

3.46%

Buy Apartment Outside City Center (m2)

$1,912 BAM 3,349

$2,284 Rp 41.4M

-16.29%

Average Monthly Net Salary (After Tax)

$887 BAM 1,554

$164 Rp 3.0M

441.64%

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: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Banja Luka

$299 25%

Ubud, Bali

$672 49.8% 125% $373

Groceries & Markets

Banja Luka

$245 20.5%

Ubud, Bali

$288 21.4% 17.6% $43

Monthly Utilities & Internet

Banja Luka

$216 18%

Ubud, Bali

$104 7.7% 51.8% $112

Clothing & Footwear

Banja Luka

$166 13.9%

Ubud, Bali

$108 8% 35.2% $58

Eating Out

Banja Luka

$166 13.8%

Ubud, Bali

$108 8% 35% $58

Getting Around

Banja Luka

$58 4.8%

Ubud, Bali

$11 0.9% 80.3% $46

Sport & Entertainment

Banja Luka

$48 4%

Ubud, Bali

$58 4.3% 21.1% $10

Cost Breakdown

A central one-bedroom costs $435 in Banja Luka versus $1,125 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 in Banja Luka are about 5.4 times higher, 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 $50 in Banja Luka versus $36 in Ubud, Bali. Groceries tell a different story – $245 in Banja Luka vs $288 in Ubud, Bali – so Banja Luka wins on supermarket bills even if dining out costs more.

Good to know

🇧🇦 Banja Luka

🇮🇩 Ubud, Bali

🕒 Local time

10:47 10:47 AM

17:47 5:47 PM

7 h ahead of Banja Luka

🌤 Weather

👥 Population

138,963

74,800

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BAM = 0.571 USD

1 BAM = 0.511 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, 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 1, 2026: 1 USD = 1.75 BAM (1 BAM = 0.571 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to BAM in detail →

On the map

Lowest

Highest

Between locations

Banja Luka Ubud, Bali 11,310 km ≈ 15 h nonstop flight

From you

Banja Luka
Ubud, Bali

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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Yes – Ubud, Bali is pricier by about 13%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $1,796 per month in Banja Luka and $2,023 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: a one-bedroom in the center costs $435 there versus $1,125 in Ubud, Bali.

Groceries cost about 18% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $50 in Banja Luka and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,500 covers both cities comfortably – all-in costs are $1,198 in Banja Luka and $1,349 in Ubud, Bali, leaving budget for savings and extras in both cases.

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 cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.