Cost of Living Comparison Between Hvar and Ubud, Bali Cost of Living Comparison Between Hvar and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,519 in Hvar versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $2,317 in Hvar versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,115 in Hvar versus $3,723 in Ubud, Bali.

Living in Hvar is roughly 9% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hvar 14% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$13.49 €11.85

$3.57 Rp 64.5K

277.87%

Three-Course Dinner for Two, Mid-Range

$73.2 €64.3

$32.32 Rp 583.5K

126.61%

Fast Food Meal (McDonalds, etc)

$9.02 €7.92

$5.01 Rp 90.4K

80.04%

Cappuccino

$2.54 €2.23

$2.82 Rp 51.0K

-9.93%

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

$3.23 €2.84

$1.35 Rp 24.4K

139.26%

Water (0.33 liter bottle)

$2.36 €2.07

$0.73 Rp 13.2K

223.29%

Local Beer (0.5 liter draught)

$3.62 €3.18

$2.93 Rp 53.0K

23.55%

Imported Beer (0.33 liter bottle)

$4.24 €3.72

$3.94 Rp 71.1K

7.61%

Milk (1 liter)

$1.23 €1.08

$1.78 Rp 32.1K

-30.90%

White Bread (500g)

$1.51 €1.33

$2.45 Rp 44.2K

-38.37%

Rice (white) (1kg)

$3.08 €2.71

$1.15 Rp 20.7K

167.83%

Eggs

$3.84 €3.37

$2.41 Rp 43.6K

59.34%

Local Cheese (1kg)

$10.85 €9.53

$14.33 Rp 258.7K

-24.28%

Chicken Fillets (1kg)

$9.89 €8.68

$4.19 Rp 75.6K

136.04%

Beef Round Steak (1kg)

$11.70 €10.27

$12.06 Rp 217.7K

-2.99%

Apples (1kg)

$1.64 €1.44

$3.64 Rp 65.7K

-54.95%

Banana (1kg)

$1.71 €1.50

$1.57 Rp 28.3K

8.92%

Oranges (1kg)

$1.98 €1.74

$2.79 Rp 50.3K

-29.03%

Tomato (1kg)

$2.46 €2.16

$2.24 Rp 40.5K

9.82%

Potato (1kg)

$1.34 €1.18

$1.98 Rp 35.8K

-32.32%

Onion (1kg)

$1.27 €1.12

$2.28 Rp 41.1K

-44.30%

Lettuce (1 head)

$1.27 €1.12

$1.05 Rp 19.0K

20.95%

Water (1.5 liter bottle)

$1.22 €1.07

$0.79 Rp 14.2K

54.43%

Cigarettes 20 Pack (Marlboro, Camel)

$5.65 €4.96

$3.19 Rp 57.6K

77.12%

Wine (Bottle)

$6.83 €6.00

$23.49 Rp 424.1K

-70.92%

Local Beer (0.5 liter bottle)

$1.44 €1.26

$2.90 Rp 52.3K

-50.34%

Imported Beer (0.33 liter bottle)

$1.99 €1.74

$2.76 Rp 49.8K

-27.90%

One-way Ticket (Public Transport)

$1.78 €1.56

$0.27 Rp 4,814

559.26%

Public Transport Monthly Pass (Regular Price)

$43.23 €37.96

$8.37 Rp 151.1K

416.49%

Taxi Start (Normal Tariff)

$3.03 €2.66

$0.45 Rp 8,168

573.33%

Taxi (Normal Tariff) (1km)

$1.05 €0.92

$0.46 Rp 8,299

128.26%

Taxi 1hour Waiting (Normal Tariff)

$9.00 €7.90

$6.07 Rp 109.6K

48.27%

Gasoline (1 liter)

$1.78 €1.56

$0.86 Rp 15.6K

106.98%

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

$38.2K €33.5K

$26.6K Rp 480.0M

43.59%

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

$26.2K €23.0K

$32.5K Rp 587.7M

-19.55%

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

$187 €164

$79.0 Rp 1.4M

136.41%

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

$22.86 €20.07

$4.09 Rp 73.9K

458.92%

Internet (50+ Mbps, Unlimited Data)

$31.74 €27.87

$23.85 Rp 430.5K

33.08%

Gym Membership (Monthly)

$51.1 €44.89

$98.8 Rp 1.8M

-48.25%

Tennis Court (1 Hour on Weekend)

$14.60 €12.82

$6.35 Rp 114.7K

129.92%

Cinema Ticket

$8.87 €7.79

$4.01 Rp 72.4K

121.20%

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

$244 €215

$297 Rp 5.4M

-17.76%

International Primary School, 1 Child (Yearly)

$8,018 €7,040

$6,602 Rp 119.2M

21.44%

Jeans (Levis 501 Or Similar)

$93.1 €81.7

$53.4 Rp 964.6K

74.17%

Summer Dress (H&M, Zara, etc)

$39.24 €34.46

$38.11 Rp 688.1K

2.97%

Sport Shoes (Adidas, Nike)

$104 €91.3

$88.7 Rp 1.6M

17.35%

Men's Leather Business Shoes

$105 €92.3

$76.6 Rp 1.4M

37.18%

1-bedroom Apartment, City Center (Monthly)

$696 €611

$1,020 Rp 18.4M

-31.76%

1-bedroom Apartment, Outside City Center (Monthly)

$530 €466

$680 Rp 12.3M

-22.03%

3-bedroom Apartment, City Center (Monthly)

$1,104 €969

$3,469 Rp 62.6M

-68.18%

3-bedroom Apartment, Outside City Center (Monthly)

$819 €719

$2,090 Rp 37.7M

-60.80%

Buy Apartment in City Center (m2)

$4,106 €3,605

$2,729 Rp 49.3M

50.45%

Buy Apartment Outside City Center (m2)

$3,236 €2,841

$2,295 Rp 41.4M

40.98%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

4.35

13.28

-67.24%

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

Last update for Hvar: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $696 in Hvar and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $73.0 in Hvar vs $32.00 in Ubud, Bali. Groceries flip the comparison at $262 vs $298, with Hvar 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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Getting Around, Monthly Utilities & Internet. The 9% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,279 in Hvar and $2,088 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: $696 in Hvar versus $1,020 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 $32.00 versus $73.0 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,519 per month in Hvar versus $1,392 in Ubud, Bali – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,392 in Ubud, Bali versus $1,519 in Hvar, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hvar. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Hvar, and the savings on those two alone free up budget for education, activities, and family trips.

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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 9% less than in Hvar. Beyond cost, consider language, visa policies, and how big the international community is in each city.