Last update: Oct 2026

Cost of Living Comparison Between Hvar and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,522 in Hvar, rent and utilities included – about $2,100 less a year. The total is higher in Hvar despite lower rent and utilities.

74

Cost of Living Index in Hvar
Learn more

Hvar Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Hvar

🇭🇷 Croatia

$1,522

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,522 in Hvar versus $1,349 in Ubud, Bali.

Hvar $1,522
Ubud, Bali $1,349

Estimated couple costs with rent: $2,310 in Hvar versus $2,305 in Ubud, Bali.

Hvar $2,310
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,097 in Hvar versus $3,261 in Ubud, Bali.

Hvar $3,097
Ubud, Bali $3,261

Living in Hvar is roughly 13% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$13.08 €11.75

$3.32 Rp 59.9K

293.98%

Three-Course Dinner for Two, Mid-Range

$72.8 €65.4

$35.64 Rp 642.4K

104.32%

Fast Food Meal (McDonalds, etc)

$9.13 €8.20

$5.53 Rp 99.7K

65.10%

Cappuccino

$2.53 €2.27

$2.72 Rp 49.0K

-6.99%

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

$3.12 €2.80

$1.70 Rp 30.7K

83.53%

Water (0.33 liter bottle)

$2.28 €2.05

$0.76 Rp 13.7K

200.00%

Local Beer (0.5 liter draught)

$3.54 €3.18

$2.65 Rp 47.8K

33.58%

Imported Beer (0.33 liter bottle)

$4.09 €3.68

$4.38 Rp 79.0K

-6.62%

Milk (1 liter)

$1.19 €1.07

$1.49 Rp 26.9K

-20.13%

White Bread (500g)

$1.54 €1.39

$2.28 Rp 41.0K

-32.46%

Rice (white) (1kg)

$2.99 €2.69

$1.19 Rp 21.5K

151.26%

Eggs

$3.88 €3.49

$2.04 Rp 36.7K

90.20%

Local Cheese (1kg)

$10.69 €9.60

$17.70 Rp 319.1K

-39.60%

Chicken Fillets (1kg)

$9.48 €8.52

$3.96 Rp 71.4K

139.39%

Beef Round Steak (1kg)

$11.72 €10.53

$12.19 Rp 219.7K

-3.86%

Apples (1kg)

$1.72 €1.55

$3.66 Rp 65.9K

-53.01%

Banana (1kg)

$1.67 €1.50

$1.52 Rp 27.4K

9.87%

Oranges (1kg)

$1.99 €1.79

$2.23 Rp 40.2K

-10.76%

Tomato (1kg)

$2.57 €2.31

$1.97 Rp 35.6K

30.46%

Potato (1kg)

$1.29 €1.16

$1.85 Rp 33.3K

-30.27%

Onion (1kg)

$1.28 €1.15

$2.42 Rp 43.7K

-47.11%

Lettuce (1 head)

$1.27 €1.14

$0.99 Rp 17.8K

28.28%

Water (1.5 liter bottle)

$1.20 €1.08

$0.51 Rp 9,255

135.29%

Cigarettes 20 Pack (Marlboro, Camel)

$5.73 €5.14

$2.22 Rp 40.0K

158.11%

Wine (Bottle)

$6.89 €6.19

$22.24 Rp 400.9K

-69.02%

Local Beer (0.5 liter bottle)

$1.50 €1.35

$2.26 Rp 40.7K

-33.63%

Imported Beer (0.33 liter bottle)

$1.99 €1.79

$2.97 Rp 53.5K

-33.00%

One-way Ticket (Public Transport)

$1.76 €1.58

$0.25 Rp 4,525

604.00%

Public Transport Monthly Pass (Regular Price)

$43.21 €38.83

$7.82 Rp 141.0K

452.56%

Taxi Start (Normal Tariff)

$3.08 €2.77

$0.44 Rp 7,923

600.00%

Taxi (Normal Tariff) (1km)

$1.11 €1.00

$0.43 Rp 7,753

158.14%

Taxi 1hour Waiting (Normal Tariff)

$8.80 €7.91

$5.41 Rp 97.5K

62.66%

Gasoline (1 liter)

$1.78 €1.60

$0.82 Rp 14.9K

117.07%

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

$38.2K €34.4K

$23.8K Rp 429.7M

60.37%

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

$26.6K €23.9K

$31.7K Rp 572.3M

-16.34%

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

$190 €171

$79.1 Rp 1.4M

140.03%

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

$22.50 €20.22

$6.45 Rp 116.2K

248.84%

Internet (50+ Mbps, Unlimited Data)

$31.64 €28.43

$18.58 Rp 334.9K

70.29%

Gym Membership (Monthly)

$50.5 €45.38

$49.48 Rp 892.0K

2.08%

Tennis Court (1 Hour on Weekend)

$14.55 €13.07

$17.65 Rp 318.1K

-17.56%

Cinema Ticket

$8.86 €7.96

$4.27 Rp 77.0K

107.49%

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

$243 €218

$491 Rp 8.8M

-50.47%

International Primary School, 1 Child (Yearly)

$8,090 €7,269

$5,674 Rp 102.3M

42.58%

Jeans (Levis 501 Or Similar)

$94.0 €84.4

$44.64 Rp 804.7K

110.46%

Summer Dress (H&M, Zara, etc)

$39.00 €35.04

$34.95 Rp 630.1K

11.59%

Sport Shoes (Adidas, Nike)

$105 €94.2

$79.9 Rp 1.4M

31.28%

Men's Leather Business Shoes

$106 €94.8

$79.4 Rp 1.4M

32.88%

1-bedroom Apartment, City Center (Monthly)

$681 €612

$1,125 Rp 20.3M

-39.47%

1-bedroom Apartment, Outside City Center (Monthly)

$526 €473

$671 Rp 12.1M

-21.60%

3-bedroom Apartment, City Center (Monthly)

$1,116 €1,002

$3,565 Rp 64.3M

-68.71%

3-bedroom Apartment, Outside City Center (Monthly)

$828 €744

$1,723 Rp 31.1M

-51.95%

Buy Apartment in City Center (m2)

$4,155 €3,734

$2,732 Rp 49.2M

52.12%

Buy Apartment Outside City Center (m2)

$3,241 €2,912

$2,284 Rp 41.2M

41.88%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

4.35

13.78

-68.43%

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

Last update for Hvar: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Hvar

$526 34.6%

Ubud, Bali

$672 49.8% 27.6% $145

Groceries & Markets

Hvar

$260 17.1%

Ubud, Bali

$288 21.4% 10.9% $28

Monthly Utilities & Internet

Hvar

$244 16%

Ubud, Bali

$104 7.7% 57.3% $140

Eating Out

Hvar

$210 13.8%

Ubud, Bali

$108 8% 48.7% $102

Clothing & Footwear

Hvar

$155 10.2%

Ubud, Bali

$108 8% 30.4% $47

Sport & Entertainment

Hvar

$68 4.5%

Ubud, Bali

$58 4.3% 14.9% $10

Getting Around

Hvar

$59 3.9%

Ubud, Bali

$11 0.9% 80.6% $47

Cost Breakdown

A one-bedroom apartment in the center runs $681 in Hvar and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $73 in Hvar vs $36 in Ubud, Bali. Groceries flip the comparison at $260 vs $288, with Hvar cheaper for home cooking.

Good to know

🇭🇷 Hvar

🇮🇩 Ubud, Bali

🕒 Local time

12:58 12:58 PM

19:58 7:58 PM

7 h ahead of Hvar

🌤 Weather

👥 Population

3,979

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Hvar Ubud, Bali 11,370 km ≈ 15 h nonstop flight

From you

Hvar
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

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

Ubud, Bali is cheaper overall, especially in eating out, transport, and clothing. The 13% gap adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,283 in Hvar and $2,023 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: $681 in Hvar versus $1,125 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 $36 versus $73 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,522 per month in Hvar versus $1,349 in Ubud, Bali – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

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.

Safety-wise, Hvar 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.