Cost of Living Comparison Between Herceg Novi and Ubud, Bali Cost of Living Comparison Between Herceg Novi and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,465 in Herceg Novi versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $2,156 in Herceg Novi versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,848 in Herceg Novi versus $3,763 in Ubud, Bali.

Living in Herceg Novi is roughly 4% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Herceg Novi 10% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$11.53 €10.08

$3.45 Rp 62.0K

234.20%

Three-Course Dinner for Two, Mid-Range

$37.39 €32.72

$32.34 Rp 580.1K

15.62%

Fast Food Meal (McDonalds, etc)

$10.47 €9.16

$4.84 Rp 86.9K

116.32%

Cappuccino

$2.61 €2.29

$2.75 Rp 49.3K

-5.09%

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

$2.82 €2.46

$1.38 Rp 24.8K

104.35%

Water (0.33 liter bottle)

$1.94 €1.70

$0.75 Rp 13.5K

158.67%

Local Beer (0.5 liter draught)

$2.93 €2.57

$2.99 Rp 53.7K

-2.01%

Imported Beer (0.33 liter bottle)

$2.98 €2.60

$3.85 Rp 69.1K

-22.60%

Milk (1 liter)

$1.39 €1.21

$1.74 Rp 31.1K

-20.11%

White Bread (500g)

$0.93 €0.81

$2.46 Rp 44.1K

-62.20%

Rice (white) (1kg)

$2.53 €2.22

$1.17 Rp 21.0K

116.24%

Eggs

$3.18 €2.78

$2.43 Rp 43.6K

30.86%

Local Cheese (1kg)

$8.94 €7.82

$14.50 Rp 260.2K

-38.34%

Chicken Fillets (1kg)

$7.63 €6.67

$4.35 Rp 78.0K

75.40%

Beef Round Steak (1kg)

$11.69 €10.22

$11.98 Rp 214.9K

-2.42%

Apples (1kg)

$1.32 €1.16

$3.72 Rp 66.7K

-64.52%

Banana (1kg)

$1.69 €1.48

$1.63 Rp 29.2K

3.68%

Oranges (1kg)

$1.63 €1.43

$2.74 Rp 49.2K

-40.51%

Tomato (1kg)

$3.00 €2.62

$2.24 Rp 40.2K

33.93%

Potato (1kg)

$1.09 €0.96

$1.92 Rp 34.4K

-43.23%

Onion (1kg)

$1.40 €1.23

$2.28 Rp 40.8K

-38.60%

Lettuce (1 head)

$1.55 €1.36

$1.06 Rp 19.1K

46.23%

Water (1.5 liter bottle)

$0.82 €0.71

$0.72 Rp 12.9K

13.89%

Cigarettes 20 Pack (Marlboro, Camel)

$3.66 €3.21

$3.29 Rp 58.9K

11.25%

Wine (Bottle)

$4.66 €4.08

$23.19 Rp 416.1K

-79.91%

Local Beer (0.5 liter bottle)

$1.23 €1.08

$2.78 Rp 49.8K

-55.76%

Imported Beer (0.33 liter bottle)

$1.77 €1.55

$2.73 Rp 49.0K

-35.16%

One-way Ticket (Public Transport)

$1.15 €1.00

$0.27 Rp 4,778

325.93%

Public Transport Monthly Pass (Regular Price)

$58.1 €50.8

$8.11 Rp 145.4K

616.03%

Taxi Start (Normal Tariff)

$2.28 €1.99

$0.48 Rp 8,659

375.00%

Taxi (Normal Tariff) (1km)

$0.74 €0.65

$0.42 Rp 7,532

76.19%

Taxi 1hour Waiting (Normal Tariff)

$17.59 €15.39

$6.22 Rp 111.6K

182.80%

Gasoline (1 liter)

$1.79 €1.57

$0.81 Rp 14.6K

120.99%

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

$34.1K €29.8K

$26.6K Rp 477.4M

28.14%

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

$22.1K €19.4K

$32.2K Rp 577.4M

-31.26%

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

$139 €121

$78.4 Rp 1.4M

77.18%

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

$16.73 €14.63

$4.07 Rp 73.0K

311.06%

Internet (50+ Mbps, Unlimited Data)

$31.83 €27.85

$24.33 Rp 436.4K

30.83%

Gym Membership (Monthly)

$58.0 €50.7

$98.6 Rp 1.8M

-41.23%

Tennis Court (1 Hour on Weekend)

$11.58 €10.14

$6.34 Rp 113.7K

82.65%

Cinema Ticket

$8.24 €7.21

$3.99 Rp 71.5K

106.52%

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

$521 €456

$305 Rp 5.5M

70.79%

International Primary School, 1 Child (Yearly)

$7,796 €6,821

$6,642 Rp 119.2M

17.37%

Jeans (Levis 501 Or Similar)

$87.2 €76.3

$54.1 Rp 971.2K

61.01%

Summer Dress (H&M, Zara, etc)

$35.17 €30.77

$37.81 Rp 678.2K

-6.98%

Sport Shoes (Adidas, Nike)

$75.7 €66.2

$86.8 Rp 1.6M

-12.84%

Men's Leather Business Shoes

$96.4 €84.4

$76.4 Rp 1.4M

26.31%

1-bedroom Apartment, City Center (Monthly)

$741 €649

$992 Rp 17.8M

-25.26%

1-bedroom Apartment, Outside City Center (Monthly)

$564 €493

$673 Rp 12.1M

-16.18%

3-bedroom Apartment, City Center (Monthly)

$1,392 €1,218

$3,375 Rp 60.5M

-58.76%

3-bedroom Apartment, Outside City Center (Monthly)

$974 €852

$2,050 Rp 36.8M

-52.48%

Buy Apartment in City Center (m2)

$3,656 €3,198

$2,805 Rp 50.3M

30.35%

Buy Apartment Outside City Center (m2)

$2,513 €2,198

$2,227 Rp 39.9M

12.83%

Average Monthly Net Salary (After Tax)

$1,059 €927

$167 Rp 3.0M

534.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-62.35%

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

Last update for Herceg Novi: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $741 in Herceg Novi and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 534% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $37.00 in Herceg Novi vs $32.00 in Ubud, Bali. Groceries flip the comparison at $225 vs $297, with Herceg Novi cheaper for home cooking.

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 4% in total monthly costs ($1,465 vs $1,408 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 534% 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: $741 in Herceg Novi versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Herceg Novi pay roughly 32% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $32.00 versus $37.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,408 in Ubud, Bali versus $1,465 in Herceg Novi, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Herceg Novi. The gap between the two cities makes Ubud, Bali 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 Ubud, Bali gentler on the wallet – expenses run 4% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.