Last update: Oct 2026

Cost of Living Comparison Between Belgrade and Umluj

For one person, living is cheaper in Umluj: $1,182 a month against $1,554 in Belgrade, rent and utilities included – about $4,500 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
57

Cost of Living Index in Umluj
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Umluj Living Index

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Belgrade

🇷🇸 Serbia

$1,554

/mo nomad

Umluj

🇸🇦 Saudi Arabia

$1,182

/mo nomad

Monthly Cost of Living

How much you'll spend in Belgrade and in Umluj

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

A single person spends $1,554 per month in Belgrade vs $1,182 in Umluj, rent included.

Belgrade $1,554
Umluj $1,182

A couple spends around $2,337 per month in Belgrade vs $1,758 in Umluj, rent included.

Belgrade $2,337
Umluj $1,758

A family of three spends $3,121 per month in Belgrade vs $2,333 in Umluj, rent included.

Belgrade $3,121
Umluj $2,333

Belgrade costs about 31% more than Umluj, and outside of rent the biggest gap is in eating out.

Belgrade sits 15% above the global median, while Umluj is 12% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$13.15 RSD 1,371

$5.97 SAR 22.41

120.27%

Three-Course Dinner for Two, Mid-Range

$57.5 RSD 5,999

$37.58 SAR 141

53.11%

Fast Food Meal (McDonalds, etc)

$13.38 RSD 1,394

$8.20 SAR 30.76

63.17%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.91 SAR 7.15

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.28 SAR 8.57

Cappuccino

$3.10 RSD 323

$3.26 SAR 12.23

-4.91%

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

$2.82 RSD 294

$0.84 SAR 3.14

235.71%

Water (0.33 liter bottle)

$2.22 RSD 231

$0.26 SAR 0.98

753.85%

Local Beer (0.5 liter draught)

$3.47 RSD 362

Imported Beer (0.33 liter bottle)

$3.96 RSD 412

Milk (1 liter)

$1.38 RSD 144

$1.68 SAR 6.30

-17.86%

White Bread (500g)

$1.13 RSD 118

$1.31 SAR 4.91

-13.74%

Rice (white) (1kg)

$2.66 RSD 277

$2.38 SAR 8.92

11.76%

Eggs

$2.78 RSD 290

$2.40 SAR 9.00

15.83%

Local Cheese (1kg)

$10.99 RSD 1,146

$7.60 SAR 28.54

44.61%

Chicken Fillets (1kg)

$6.56 RSD 684

$7.66 SAR 28.76

-14.36%

Beef Round Steak (1kg)

$15.07 RSD 1,571

$13.06 SAR 48.99

15.39%

Apples (1kg)

$1.66 RSD 173

$2.23 SAR 8.39

-25.56%

Banana (1kg)

$1.79 RSD 186

$1.70 SAR 6.38

5.29%

Oranges (1kg)

$1.87 RSD 195

$1.65 SAR 6.20

13.33%

Tomato (1kg)

$3.03 RSD 315

$1.63 SAR 6.13

85.89%

Potato (1kg)

$0.92 RSD 96.3

$1.17 SAR 4.40

-21.37%

Onion (1kg)

$0.71 RSD 73.8

$1.32 SAR 4.96

-46.21%

Lettuce (1 head)

$0.74 RSD 77.6

$1.26 SAR 4.73

-41.27%

Water (1.5 liter bottle)

$0.74 RSD 77.2

$0.58 SAR 2.17

27.59%

Bottle of Non-Alcoholic Wine (Mid-Range)

$2.86 SAR 10.74

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.74 SAR 6.53

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.01 SAR 7.55

Cigarettes 20 Pack (Marlboro, Camel)

$4.61 RSD 481

$6.57 SAR 24.65

-29.83%

Wine (Bottle)

$8.81 RSD 918

Local Beer (0.5 liter bottle)

$0.89 RSD 92.7

Imported Beer (0.33 liter bottle)

$1.45 RSD 151

One-way Ticket (Public Transport)

$1.09 SAR 4.10

Public Transport Monthly Pass (Regular Price)

$36.82 SAR 138

Taxi Start (Normal Tariff)

$3.02 RSD 315

$2.63 SAR 9.86

14.83%

Taxi (Normal Tariff) (1km)

$0.98 RSD 103

$1.85 SAR 6.93

-47.03%

Taxi 1hour Waiting (Normal Tariff)

$17.08 RSD 1,780

$13.56 SAR 50.9

25.96%

Gasoline (1 liter)

$1.91 RSD 199

$0.65 SAR 2.43

193.85%

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

$31.0K RSD 3.2M

$44.5K SAR 167.0K

-30.33%

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

$24.7K RSD 2.6M

$21.5K SAR 80.9K

14.46%

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

$220 RSD 23.0K

$102 SAR 383

116.03%

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

$24.41 RSD 2,544

$32.15 SAR 121

-24.07%

Internet (50+ Mbps, Unlimited Data)

$35.64 RSD 3,715

$66.5 SAR 250

-46.44%

Gym Membership (Monthly)

$41.20 RSD 4,295

$81.2 SAR 305

-49.25%

Tennis Court (1 Hour on Weekend)

$22.60 RSD 2,356

Cinema Ticket

$8.59 RSD 896

$13.16 SAR 49.37

-34.73%

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

$424 RSD 44.2K

$428 SAR 1,608

-1.10%

International Primary School, 1 Child (Yearly)

$11.0K RSD 1.1M

$8,089 SAR 30.4K

35.65%

Jeans (Levis 501 Or Similar)

$111 RSD 11.5K

$41.94 SAR 157

163.73%

Summer Dress (H&M, Zara, etc)

$47.28 RSD 4,929

$54.3 SAR 204

-12.96%

Sport Shoes (Adidas, Nike)

$113 RSD 11.8K

$98.1 SAR 368

15.33%

Men's Leather Business Shoes

$157 RSD 16.3K

$85.9 SAR 322

82.23%

1-bedroom Apartment, City Center (Monthly)

$805 RSD 83.9K

$581 SAR 2,180

38.57%

1-bedroom Apartment, Outside City Center (Monthly)

$546 RSD 56.9K

$375 SAR 1,409

45.44%

3-bedroom Apartment, City Center (Monthly)

$1,452 RSD 151.4K

$810 SAR 3,039

79.34%

3-bedroom Apartment, Outside City Center (Monthly)

$931 RSD 97.0K

$578 SAR 2,171

60.87%

Buy Apartment in City Center (m2)

$5,368 RSD 559.6K

$2,332 SAR 8,752

130.17%

Buy Apartment Outside City Center (m2)

$3,155 RSD 328.9K

$1,372 SAR 5,150

129.92%

Average Monthly Net Salary (After Tax)

$1,237 RSD 128.9K

$4,243 SAR 15.9K

-70.86%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.61

5.54

-16.79%

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

Last update for Belgrade: October 12, 2026

Last update for Umluj: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Belgrade

$546 35.2%

Umluj

$376 31.8% 31.2% $171

Monthly Utilities & Internet

Belgrade

$280 18.1%

Umluj

$201 17% 28.4% $80

Groceries & Markets

Belgrade

$241 15.5%

Umluj

$204 17.2% 15.4% $37

Eating Out

Belgrade

$228 14.7%

Umluj

$116 9.8% 49.2% $112

Clothing & Footwear

Belgrade

$192 12.4%

Umluj

$126 10.7% 34.5% $66

Sport & Entertainment

Belgrade

$58 3.8%

Umluj

$108 9.1% 84.1% $49

Getting Around

Belgrade

$7.9 * 0.5%

Umluj

$53 4.5% 568% $45

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

Cost Breakdown

A central one-bedroom costs $805 in Belgrade versus $581 in Umluj. 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 243% higher in Umluj, 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 $58.0 in Belgrade versus $38.00 in Umluj. Monthly groceries follow the same trend: $241 vs $204 – making Umluj the more affordable choice for daily food spending.

Good to know

🇷🇸 Belgrade

🇸🇦 Umluj

🕒 Local time

03:27 3:27 AM

04:27 4:27 AM

1 h ahead of Belgrade

🌤 Weather

👥 Population

1,197,714 Capital

37,757

💱 Currency

Serbian Dinar RSD din

Saudi Riyal SAR ر.س

📈 Exchange rate

1,000 RSD = 9.59 USD

1,000 RSD = 8.53 EUR

1 SAR = 0.266 USD

1 SAR = 0.237 EUR

Exchange rates and currency converter

SAR, USD, EUR to RSD – Serbian Dinar Converter

🇺🇸 United States Dollar ($)

🇷🇸 Serbian Dinar (din)

Serbian Dinar exchange rates as of October 19, 2026: 1 USD = 104 RSD (1,000 RSD = 9.59 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

Saudi Riyal exchange rates as of October 19, 2026: 1 USD = 3.75 SAR (1 SAR = 0.266 USD). 1 EUR = 4.22 SAR (1 SAR = 0.237 EUR).

USD to RSD in detail →

On the map

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Between locations

Belgrade Umluj 2,670 km ≈ 3 h 45 min nonstop flight

From you

Belgrade
Umluj

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 Umluj: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,554 in Belgrade, $1,182 in Umluj – roughly 31% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,331 per month in Belgrade and $1,773 in Umluj. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $58.0 in Belgrade and $38.00 in Umluj. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Groceries cost about 18% more in Belgrade, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Umluj, where all-in costs run around $1,182, than in Belgrade at $1,554. In Umluj it covers expenses comfortably, while in Belgrade it requires careful planning or may not stretch far enough.

Families tend to lean toward Umluj – 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 Umluj. 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.