Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Ubud, Bali

For one person, living is cheaper in Herceg Novi: $1,257 a month against $1,353 in Ubud, Bali, rent and utilities included – about $1,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
66

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

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Herceg Novi

🇲🇪 Montenegro

$1,257

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,257 in Herceg Novi versus $1,353 in Ubud, Bali.

Herceg Novi $1,257
Ubud, Bali $1,353

Estimated couple costs with rent: $1,997 in Herceg Novi versus $2,297 in Ubud, Bali.

Herceg Novi $1,997
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,737 in Herceg Novi versus $3,241 in Ubud, Bali.

Herceg Novi $2,737
Ubud, Bali $3,241

Living in Herceg Novi costs roughly 7% less than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Herceg Novi is 7% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$11.23 €9.99

$3.23 Rp 58.1K

247.68%

Three-Course Dinner for Two, Mid-Range

$36.29 €32.28

$34.88 Rp 627.8K

4.04%

Fast Food Meal (McDonalds, etc)

$9.16 €8.15

$5.70 Rp 102.5K

60.70%

Cappuccino

$2.65 €2.36

$2.62 Rp 47.1K

1.15%

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

$2.50 €2.23

$1.72 Rp 31.0K

45.35%

Water (0.33 liter bottle)

$1.63 €1.45

$0.81 Rp 14.6K

101.23%

Local Beer (0.5 liter draught)

$2.84 €2.53

$2.65 Rp 47.7K

7.17%

Imported Beer (0.33 liter bottle)

$3.34 €2.97

$4.37 Rp 78.6K

-23.57%

Milk (1 liter)

$1.20 €1.07

$1.57 Rp 28.3K

-23.57%

White Bread (500g)

$1.01 €0.90

$2.19 Rp 39.5K

-53.88%

Rice (white) (1kg)

$2.93 €2.61

$1.18 Rp 21.2K

148.31%

Eggs

$2.98 €2.65

$2.16 Rp 38.8K

37.96%

Local Cheese (1kg)

$9.02 €8.02

$17.65 Rp 317.7K

-48.90%

Chicken Fillets (1kg)

$7.43 €6.61

$3.78 Rp 68.0K

96.56%

Beef Round Steak (1kg)

$12.99 €11.56

$11.95 Rp 215.1K

8.70%

Apples (1kg)

$1.33 €1.18

$3.60 Rp 64.8K

-63.06%

Banana (1kg)

$1.57 €1.39

$1.59 Rp 28.6K

-1.26%

Oranges (1kg)

$1.63 €1.45

$2.31 Rp 41.6K

-29.44%

Tomato (1kg)

$2.96 €2.63

$1.91 Rp 34.3K

54.97%

Potato (1kg)

$0.95 €0.85

$1.78 Rp 32.1K

-46.63%

Onion (1kg)

$1.29 €1.15

$2.33 Rp 41.9K

-44.64%

Lettuce (1 head)

$1.54 €1.37

$1.00 Rp 18.0K

54.00%

Water (1.5 liter bottle)

$0.95 €0.85

$0.53 Rp 9,509

79.25%

Cigarettes 20 Pack (Marlboro, Camel)

$4.00 €3.56

$2.29 Rp 41.1K

74.67%

Wine (Bottle)

$4.37 €3.89

$22.07 Rp 397.3K

-80.20%

Local Beer (0.5 liter bottle)

$1.28 €1.14

$2.35 Rp 42.2K

-45.53%

Imported Beer (0.33 liter bottle)

$1.74 €1.55

$2.98 Rp 53.6K

-41.61%

One-way Ticket (Public Transport)

$1.64 €1.46

$0.23 Rp 4,112

613.04%

Public Transport Monthly Pass (Regular Price)

$44.46 €39.55

$8.90 Rp 160.2K

399.55%

Taxi Start (Normal Tariff)

$2.84 €2.53

$0.47 Rp 8,466

504.26%

Taxi (Normal Tariff) (1km)

$1.10 €0.97

$0.43 Rp 7,737

155.81%

Taxi 1hour Waiting (Normal Tariff)

$17.09 €15.20

$5.47 Rp 98.4K

212.43%

Gasoline (1 liter)

$1.72 €1.53

$0.83 Rp 14.9K

107.23%

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

$32.3K €28.8K

$23.9K Rp 429.8M

35.39%

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

$21.4K €19.0K

$32.8K Rp 590.1M

-34.77%

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

$136 €121

$80.0 Rp 1.4M

70.28%

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

$13.14 €11.69

$6.56 Rp 118.1K

100.30%

Internet (50+ Mbps, Unlimited Data)

$33.88 €30.14

$18.60 Rp 334.8K

82.15%

Gym Membership (Monthly)

$56.6 €50.3

$54.1 Rp 974.1K

4.53%

Tennis Court (1 Hour on Weekend)

$11.39 €10.13

$18.28 Rp 329.0K

-37.69%

Cinema Ticket

$7.81 €6.94

$4.25 Rp 76.5K

83.76%

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

$444 €395

$493 Rp 8.9M

-9.94%

International Primary School, 1 Child (Yearly)

$7,024 €6,248

$5,597 Rp 100.7M

25.50%

Jeans (Levis 501 Or Similar)

$84.3 €75.0

$45.58 Rp 820.4K

84.86%

Summer Dress (H&M, Zara, etc)

$33.74 €30.01

$34.96 Rp 629.4K

-3.49%

Sport Shoes (Adidas, Nike)

$72.7 €64.7

$77.7 Rp 1.4M

-6.48%

Men's Leather Business Shoes

$95.8 €85.2

$78.5 Rp 1.4M

22.01%

1-bedroom Apartment, City Center (Monthly)

$651 €579

$1,131 Rp 20.4M

-42.45%

1-bedroom Apartment, Outside City Center (Monthly)

$399 €355

$673 Rp 12.1M

-40.74%

3-bedroom Apartment, City Center (Monthly)

$1,257 €1,118

$3,613 Rp 65.0M

-65.21%

3-bedroom Apartment, Outside City Center (Monthly)

$888 €790

$1,702 Rp 30.6M

-47.81%

Buy Apartment in City Center (m2)

$3,685 €3,278

$2,717 Rp 48.9M

35.61%

Buy Apartment Outside City Center (m2)

$2,421 €2,153

$2,241 Rp 40.3M

8.02%

Average Monthly Net Salary (After Tax)

$1,031 €917

$166 Rp 3.0M

519.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-63.72%

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

Last update for Herceg Novi: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$399 31.7%

Ubud, Bali

$673 49.7% 68.7% $274

Groceries & Markets

Herceg Novi

$228 18.1%

Ubud, Bali

$287 21.2% 25.9% $59

Eating Out

Herceg Novi

$187 14.8%

Ubud, Bali

$106 7.9% 43% $80

Monthly Utilities & Internet

Herceg Novi

$183 14.6%

Ubud, Bali

$105 7.8% 42.6% $78

Clothing & Footwear

Herceg Novi

$129 10.3%

Ubud, Bali

$107 7.9% 17.4% $22

Sport & Entertainment

Herceg Novi

$72 5.7%

Ubud, Bali

$63 4.6% 13.2% $9.6

Getting Around

Herceg Novi

$59 4.7%

Ubud, Bali

$12 0.9% 79.1% $47

Cost Breakdown

A one-bedroom apartment in the center runs $651 in Herceg Novi and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 520% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Herceg Novi vs $35.00 in Ubud, Bali. Groceries flip the comparison at $228 vs $287, with Herceg Novi cheaper for home cooking.

Good to know

🇲🇪 Herceg Novi

🇮🇩 Ubud, Bali

🕒 Local time

14:36 2:36 PM

20:36 8:36 PM

6 h ahead of Herceg Novi

🌤 Weather

👥 Population

11,059

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Herceg Novi Ubud, Bali 11,200 km ≈ 14 h nonstop flight

From you

Herceg Novi
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

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

Herceg Novi and Ubud, Bali differ by about 8% in total monthly costs ($1,257 vs $1,353 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 520% higher in Herceg Novi, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $651 in Herceg Novi versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Herceg Novi – a meal for two runs $36.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,257 in Herceg Novi versus $1,353 in Ubud, Bali, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Ubud, Bali. The gap between the two cities makes Herceg Novi the clear choice for anyone on this budget.

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, Herceg Novi and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Herceg Novi gentler on the wallet – expenses run 8% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.