Last update: Oct 2026

Cost of Living Comparison Between Belgrade and Ludza

For one person, living is cheaper in Ludza: $955 a month against $1,574 in Belgrade, rent and utilities included – about $7,400 less a year. Rent and utilities account for most of the difference.

76

Cost of Living Index in Belgrade
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Belgrade Living Index
46

Cost of Living Index in Ludza
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Ludza Living Index

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Belgrade

🇷🇸 Serbia

$1,574

/mo nomad

Ludza

🇱🇻 Latvia

$955

/mo nomad

Monthly Cost of Living

How much you'll spend in Belgrade and in Ludza

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Belgrade and in Ludza actually costs, broken down by who's living it.

A single person spends $1,574 per month in Belgrade vs $955 in Ludza, rent included.

Belgrade $1,574
Ludza $955

A couple spends around $2,376 per month in Belgrade vs $1,505 in Ludza, rent included.

Belgrade $2,376
Ludza $1,505

A family of three spends $3,178 per month in Belgrade vs $2,055 in Ludza, rent included.

Belgrade $3,178
Ludza $2,055

Belgrade costs about 65% more than Ludza, and outside of rent the biggest gap is in eating out.

Belgrade sits 16% above the global median, while Ludza is 30% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$13.44 RSD 1,401

$7.89 €7.02

70.34%

Three-Course Dinner for Two, Mid-Range

$57.8 RSD 6,029

$68.2 €60.7

-15.24%

Fast Food Meal (McDonalds, etc)

$13.23 RSD 1,380

$9.45 €8.40

40.00%

Cappuccino

$3.10 RSD 323

$3.62 €3.22

-14.36%

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

$2.73 RSD 285

$1.58 €1.40

72.78%

Water (0.33 liter bottle)

$2.31 RSD 241

$1.15 €1.03

100.87%

Local Beer (0.5 liter draught)

$3.54 RSD 369

$5.53 €4.91

-35.99%

Imported Beer (0.33 liter bottle)

$4.13 RSD 430

$5.12 €4.55

-19.34%

Milk (1 liter)

$1.45 RSD 151

$1.20 €1.07

20.83%

White Bread (500g)

$1.18 RSD 123

$1.50 €1.33

-21.33%

Rice (white) (1kg)

$2.61 RSD 272

$2.41 €2.14

8.30%

Eggs

$2.78 RSD 289

$3.73 €3.32

-25.47%

Local Cheese (1kg)

$11.23 RSD 1,171

$10.67 €9.49

5.25%

Chicken Fillets (1kg)

$6.72 RSD 701

$8.72 €7.76

-22.94%

Beef Round Steak (1kg)

$15.22 RSD 1,586

$13.98 €12.44

8.87%

Apples (1kg)

$1.59 RSD 166

$0.67 €0.60

137.31%

Banana (1kg)

$1.84 RSD 191

$1.45 €1.29

26.90%

Oranges (1kg)

$1.83 RSD 191

$1.79 €1.59

2.23%

Tomato (1kg)

$3.10 RSD 324

$3.24 €2.88

-4.32%

Potato (1kg)

$0.95 RSD 98.8

$0.83 €0.74

14.46%

Onion (1kg)

$0.72 RSD 75.1

$0.90 €0.80

-20.00%

Lettuce (1 head)

$0.75 RSD 77.8

$1.69 €1.51

-55.62%

Water (1.5 liter bottle)

$0.69 RSD 72.4

$0.90 €0.80

-23.33%

Cigarettes 20 Pack (Marlboro, Camel)

$4.76 RSD 496

$6.78 €6.03

-29.79%

Wine (Bottle)

$8.43 RSD 878

$7.92 €7.04

6.44%

Local Beer (0.5 liter bottle)

$0.94 RSD 97.8

$1.97 €1.75

-52.28%

Imported Beer (0.33 liter bottle)

$1.53 RSD 159

$2.07 €1.84

-26.09%

One-way Ticket (Public Transport)

$2.28 €2.03

Taxi Start (Normal Tariff)

$2.99 RSD 312

$3.32 €2.95

-9.94%

Taxi (Normal Tariff) (1km)

$1.02 RSD 106

$1.01 €0.90

0.99%

Taxi 1hour Waiting (Normal Tariff)

$17.54 RSD 1,828

$17.39 €15.47

0.86%

Gasoline (1 liter)

$1.85 RSD 193

$1.86 €1.66

-0.54%

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

$30.5K RSD 3.2M

$27.2K €24.2K

12.06%

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

$23.7K RSD 2.5M

$30.7K €27.3K

-22.82%

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

$219 RSD 22.9K

$285 €253

-22.97%

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

$24.82 RSD 2,588

$19.76 €17.57

25.61%

Internet (50+ Mbps, Unlimited Data)

$35.79 RSD 3,731

$19.92 €17.72

79.67%

Gym Membership (Monthly)

$41.37 RSD 4,313

Tennis Court (1 Hour on Weekend)

$22.96 RSD 2,394

Cinema Ticket

$8.32 RSD 867

$11.29 €10.04

-26.31%

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

$423 RSD 44.1K

$675 €601

-37.37%

International Primary School, 1 Child (Yearly)

$11.4K RSD 1.2M

$18.0K €16.0K

-36.59%

Jeans (Levis 501 Or Similar)

$111 RSD 11.6K

$69.0 €61.4

61.21%

Summer Dress (H&M, Zara, etc)

$47.48 RSD 4,950

$49.26 €43.82

-3.61%

Sport Shoes (Adidas, Nike)

$116 RSD 12.1K

$77.6 €69.0

49.37%

Men's Leather Business Shoes

$158 RSD 16.4K

$139 €124

13.10%

1-bedroom Apartment, City Center (Monthly)

$823 RSD 85.8K

1-bedroom Apartment, Outside City Center (Monthly)

$560 RSD 58.3K

3-bedroom Apartment, City Center (Monthly)

$1,485 RSD 154.8K

3-bedroom Apartment, Outside City Center (Monthly)

$969 RSD 101.1K

Buy Apartment in City Center (m2)

$5,489 RSD 572.2K

Buy Apartment Outside City Center (m2)

$3,193 RSD 332.8K

Average Monthly Net Salary (After Tax)

$1,214 RSD 126.5K

$620 €551

95.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.61

4.77

-3.35%

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

Last update for Belgrade: October 19, 2026

Last update for Ludza: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Belgrade

$560 35.6%

Ludza

- * 0% 100%

Monthly Utilities & Internet

Belgrade

$280 17.8%

Ludza

$324 34% 15.9% $44

Groceries & Markets

Belgrade

$243 15.4%

Ludza

$256 26.8% 5.5% $13

Eating Out

Belgrade

$231 14.7%

Ludza

$184 19.2% 20.3% $47

Clothing & Footwear

Belgrade

$195 12.4%

Ludza

$151 15.8% 22.4% $44

Sport & Entertainment

Belgrade

$58 3.7%

Ludza

$23 * 2.4% 61.1% $35

Getting Around

Belgrade

$8.1 * 0.5%

Ludza

$18 * 1.8% 116% $9.4

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Salaries run about 96% higher in Belgrade, 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 $58.0 in Belgrade versus $68.0 in Ludza. Monthly groceries follow the same trend: $243 vs $256 – making Belgrade the more affordable choice for daily food spending.

Good to know

🇷🇸 Belgrade

🇱🇻 Ludza

🕒 Local time

02:45 2:45 AM

03:45 3:45 AM

1 h ahead of Belgrade

🌤 Weather

👥 Population

1,197,714 Capital

8,500

💱 Currency

Serbian Dinar RSD din

Euro EUR €

📈 Exchange rate

1,000 RSD = 9.59 USD

1,000 RSD = 8.53 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to RSD – Serbian Dinar Converter

🇺🇸 United States Dollar ($)

🇷🇸 Serbian Dinar (din)

Serbian Dinar exchange rates as of October 21, 2026: 1 USD = 104 RSD (1,000 RSD = 9.59 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

Euro exchange rates as of October 21, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to RSD in detail →

On the map

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Between locations

Belgrade Ludza 1,400 km ≈ 2 h 15 min nonstop flight

From you

Belgrade
Ludza

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

Belgrade vs Ludza: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,574 in Belgrade, $955 in Ludza – roughly 65% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,360 per month in Belgrade and $1,433 in Ludza. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

A mid-range dinner for two costs $58.0 in Belgrade and $68.0 in Ludza. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 5% cheaper in Belgrade – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,500 monthly budget goes further in Ludza, where all-in costs run around $955, than in Belgrade at $1,574. In Ludza it covers expenses comfortably, while in Belgrade it requires careful planning or may not stretch far enough.

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