Last update: Oct 2026

Cost of Living Comparison Between Bjelovar and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,571 in Bjelovar, rent and utilities included – about $2,900 less a year. The total is higher in Bjelovar despite lower rent and utilities.

75

Cost of Living Index in Bjelovar
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Bjelovar Living Index
64

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

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Bjelovar

🇭🇷 Croatia

$1,571

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Bjelovar 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 Bjelovar and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,571 in Bjelovar versus $1,331 in Ubud, Bali.

Bjelovar $1,571
Ubud, Bali $1,331

Estimated couple costs with rent: $2,414 in Bjelovar versus $2,255 in Ubud, Bali.

Bjelovar $2,414
Ubud, Bali $2,255

Monthly costs for a family of three with rent: $3,257 in Bjelovar versus $3,180 in Ubud, Bali.

Bjelovar $3,257
Ubud, Bali $3,180

Living in Bjelovar is roughly 18% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Bjelovar is 16% above, Ubud, Bali is 2% below.

Meal at Budget Restaurant

$13.39 €11.97

$3.38 Rp 61.2K

296.15%

Three-Course Dinner for Two, Mid-Range

$72.7 €65.0

$34.65 Rp 628.6K

109.78%

Fast Food Meal (McDonalds, etc)

$10.23 €9.15

$5.57 Rp 101.1K

83.66%

Cappuccino

$2.26 €2.02

$2.62 Rp 47.5K

-13.74%

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

$3.03 €2.71

$1.54 Rp 27.9K

96.75%

Water (0.33 liter bottle)

$1.98 €1.77

$0.64 Rp 11.6K

209.37%

Local Beer (0.5 liter draught)

$3.79 €3.39

$2.67 Rp 48.4K

41.95%

Imported Beer (0.33 liter bottle)

$4.37 €3.91

$4.26 Rp 77.3K

2.58%

Milk (1 liter)

$1.23 €1.10

$1.46 Rp 26.5K

-15.75%

White Bread (500g)

$1.61 €1.44

$2.29 Rp 41.6K

-29.69%

Rice (white) (1kg)

$3.31 €2.96

$1.11 Rp 20.1K

198.20%

Eggs

$3.72 €3.32

$2.10 Rp 38.1K

77.14%

Local Cheese (1kg)

$16.06 €14.36

$15.94 Rp 289.2K

0.75%

Chicken Fillets (1kg)

$10.04 €8.98

$3.88 Rp 70.4K

158.76%

Beef Round Steak (1kg)

$14.16 €12.66

$11.40 Rp 206.8K

24.21%

Apples (1kg)

$1.73 €1.54

$3.55 Rp 64.4K

-51.27%

Banana (1kg)

$1.67 €1.50

$1.54 Rp 27.9K

8.44%

Oranges (1kg)

$1.87 €1.67

$2.23 Rp 40.5K

-16.14%

Tomato (1kg)

$2.66 €2.38

$1.97 Rp 35.8K

35.03%

Potato (1kg)

$1.37 €1.23

$1.86 Rp 33.7K

-26.34%

Onion (1kg)

$1.31 €1.17

$2.42 Rp 43.9K

-45.87%

Lettuce (1 head)

$1.38 €1.23

$1.02 Rp 18.6K

35.29%

Water (1.5 liter bottle)

$1.32 €1.18

$0.52 Rp 9,475

153.85%

Cigarettes 20 Pack (Marlboro, Camel)

$5.64 €5.04

$2.20 Rp 39.9K

156.36%

Wine (Bottle)

$7.77 €6.95

$21.79 Rp 395.2K

-64.34%

Local Beer (0.5 liter bottle)

$1.66 €1.49

$2.33 Rp 42.2K

-28.76%

Imported Beer (0.33 liter bottle)

$2.11 €1.89

$2.97 Rp 53.9K

-28.96%

One-way Ticket (Public Transport)

$1.69 €1.51

$0.25 Rp 4,542

576.00%

Public Transport Monthly Pass (Regular Price)

$44.84 €40.10

$8.17 Rp 148.3K

448.84%

Taxi Start (Normal Tariff)

$5.49 €4.91

$0.44 Rp 7,941

1147.73%

Taxi (Normal Tariff) (1km)

$1.41 €1.26

$0.47 Rp 8,489

200.00%

Taxi 1hour Waiting (Normal Tariff)

$13.26 €11.85

$5.60 Rp 101.6K

136.79%

Gasoline (1 liter)

$1.65 €1.48

$0.83 Rp 15.0K

98.80%

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

$28.1K €25.1K

$24.4K Rp 443.5M

14.76%

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

$24.4K €21.8K

$31.7K Rp 575.0M

-22.91%

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

$192 €171

$77.5 Rp 1.4M

147.21%

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

$23.68 €21.17

$6.14 Rp 111.5K

285.67%

Internet (50+ Mbps, Unlimited Data)

$38.61 €34.52

$18.92 Rp 343.1K

104.07%

Gym Membership (Monthly)

$52.5 €46.93

$51.0 Rp 925.0K

2.92%

Tennis Court (1 Hour on Weekend)

$15.23 €13.62

$18.25 Rp 331.0K

-16.55%

Cinema Ticket

$10.52 €9.41

$4.38 Rp 79.5K

140.18%

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

$536 €480

$492 Rp 8.9M

8.90%

International Primary School, 1 Child (Yearly)

$12.8K €11.5K

$12.2K Rp 221.7M

5.13%

Jeans (Levis 501 Or Similar)

$96.8 €86.6

$45.16 Rp 819.2K

114.44%

Summer Dress (H&M, Zara, etc)

$42.68 €38.16

$34.89 Rp 632.9K

22.33%

Sport Shoes (Adidas, Nike)

$103 €92.0

$78.3 Rp 1.4M

31.36%

Men's Leather Business Shoes

$108 €96.9

$77.9 Rp 1.4M

39.12%

1-bedroom Apartment, City Center (Monthly)

$675 €603

$1,078 Rp 19.5M

-37.40%

1-bedroom Apartment, Outside City Center (Monthly)

$516 €462

$665 Rp 12.1M

-22.37%

3-bedroom Apartment, City Center (Monthly)

$1,201 €1,074

$3,510 Rp 63.7M

-65.79%

3-bedroom Apartment, Outside City Center (Monthly)

$868 €776

$1,671 Rp 30.3M

-48.05%

Buy Apartment in City Center (m2)

$4,060 €3,630

$2,340 Rp 42.4M

73.50%

Buy Apartment Outside City Center (m2)

$2,830 €2,530

$2,236 Rp 40.6M

26.55%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

13.78

-72.93%

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

Last update for Bjelovar: October 31, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Bjelovar

$516 32.9%

Ubud, Bali

$665 50% 28.8% $149

Groceries & Markets

Bjelovar

$293 18.7%

Ubud, Bali

$279 21% 4.6% $13

Monthly Utilities & Internet

Bjelovar

$254 16.2%

Ubud, Bali

$103 7.7% 59.6% $151

Eating Out

Bjelovar

$213 13.5%

Ubud, Bali

$106 8% 50.3% $107

Clothing & Footwear

Bjelovar

$158 10.1%

Ubud, Bali

$106 8% 32.6% $52

Sport & Entertainment

Bjelovar

$74 4.7%

Ubud, Bali

$60 4.5% 18.7% $14

Getting Around

Bjelovar

$64 4.1%

Ubud, Bali

$12 0.9% 81.4% $52

Cost Breakdown

A one-bedroom apartment in the center runs $675 in Bjelovar and $1,078 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $73 in Bjelovar vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $293 vs $279 per month, with Ubud, Bali cheaper across the board.

Good to know

🇭🇷 Bjelovar

🇮🇩 Ubud, Bali

🕒 Local time

23:35 11:35 PM

06:35 6:35 AM

7 h ahead of Bjelovar

🌤 Weather

👥 Population

36,316

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 3, 2026: 1 USD = 0.894 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

USD to EUR in detail →

On the map

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Between locations

Bjelovar Ubud, Bali 11,340 km ≈ 15 h nonstop flight

From you

Bjelovar
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

Bjelovar vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,571 in Bjelovar and $1,331 in Ubud, Bali, so Ubud, Bali is about 15% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $2,357 in Bjelovar and $1,996 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $675 in Bjelovar versus $1,078 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $73 in Bjelovar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,571 per month in Bjelovar versus $1,331 in Ubud, Bali – Ubud, Bali is about 15% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Bjelovar and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.