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: $1,527 in Hvar versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $2,306 in Hvar versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,084 in Hvar versus $3,694 in Ubud, Bali.

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

Both cities are pricier than the global median: Hvar 14% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$13.38 €11.56

$3.57 Rp 64.0K

274.79%

Three-Course Dinner for Two, Mid-Range

$72.9 €63.0

$32.50 Rp 582.3K

124.40%

Fast Food Meal (McDonalds, etc)

$9.11 €7.87

$4.86 Rp 87.1K

87.45%

Cappuccino

$2.51 €2.17

$2.75 Rp 49.2K

-8.73%

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

$3.16 €2.73

$1.32 Rp 23.7K

139.39%

Water (0.33 liter bottle)

$2.36 €2.04

$0.70 Rp 12.6K

237.14%

Local Beer (0.5 liter draught)

$3.63 €3.14

$2.91 Rp 52.2K

24.74%

Imported Beer (0.33 liter bottle)

$4.16 €3.59

$3.79 Rp 68.0K

9.76%

Milk (1 liter)

$1.18 €1.02

$1.71 Rp 30.6K

-30.99%

White Bread (500g)

$1.53 €1.32

$2.47 Rp 44.3K

-38.06%

Rice (white) (1kg)

$3.16 €2.73

$1.20 Rp 21.5K

163.33%

Eggs

$3.85 €3.33

$2.44 Rp 43.8K

57.79%

Local Cheese (1kg)

$10.80 €9.33

$14.38 Rp 257.7K

-24.90%

Chicken Fillets (1kg)

$9.79 €8.46

$4.31 Rp 77.1K

127.15%

Beef Round Steak (1kg)

$11.71 €10.12

$12.21 Rp 218.7K

-4.10%

Apples (1kg)

$1.64 €1.42

$3.68 Rp 66.0K

-55.43%

Banana (1kg)

$1.67 €1.44

$1.55 Rp 27.8K

7.74%

Oranges (1kg)

$1.94 €1.68

$2.79 Rp 49.9K

-30.47%

Tomato (1kg)

$2.47 €2.14

$2.33 Rp 41.8K

6.01%

Potato (1kg)

$1.28 €1.11

$1.97 Rp 35.3K

-35.03%

Onion (1kg)

$1.32 €1.14

$2.31 Rp 41.4K

-42.86%

Lettuce (1 head)

$1.22 €1.05

$1.06 Rp 19.1K

15.09%

Water (1.5 liter bottle)

$1.26 €1.08

$0.73 Rp 13.1K

72.60%

Cigarettes 20 Pack (Marlboro, Camel)

$5.77 €4.98

$3.28 Rp 58.8K

75.91%

Wine (Bottle)

$7.05 €6.09

$22.79 Rp 408.4K

-69.07%

Local Beer (0.5 liter bottle)

$1.49 €1.29

$2.81 Rp 50.3K

-46.98%

Imported Beer (0.33 liter bottle)

$1.98 €1.71

$2.78 Rp 49.9K

-28.78%

One-way Ticket (Public Transport)

$1.82 €1.57

$0.29 Rp 5,217

527.59%

Public Transport Monthly Pass (Regular Price)

$42.18 €36.45

$8.06 Rp 144.4K

423.33%

Taxi Start (Normal Tariff)

$3.03 €2.62

$0.45 Rp 8,047

573.33%

Taxi (Normal Tariff) (1km)

$1.09 €0.95

$0.45 Rp 8,094

142.22%

Taxi 1hour Waiting (Normal Tariff)

$9.05 €7.82

$6.24 Rp 111.7K

45.03%

Gasoline (1 liter)

$1.71 €1.48

$0.85 Rp 15.2K

101.18%

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

$38.2K €33.0K

$26.0K Rp 465.4M

46.91%

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

$26.6K €23.0K

$31.7K Rp 567.2M

-16.05%

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

$185 €160

$80.8 Rp 1.4M

129.19%

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

$22.45 €19.40

$4.06 Rp 72.7K

452.96%

Internet (50+ Mbps, Unlimited Data)

$31.36 €27.10

$24.42 Rp 437.6K

28.42%

Gym Membership (Monthly)

$51.0 €44.08

$97.7 Rp 1.7M

-47.76%

Tennis Court (1 Hour on Weekend)

$15.02 €12.98

$6.45 Rp 115.5K

132.87%

Cinema Ticket

$8.88 €7.67

$4.04 Rp 72.4K

119.80%

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

$243 €210

$304 Rp 5.4M

-19.96%

International Primary School, 1 Child (Yearly)

$8,096 €6,996

$6,621 Rp 118.6M

22.28%

Jeans (Levis 501 Or Similar)

$91.1 €78.8

$54.2 Rp 971.7K

68.06%

Summer Dress (H&M, Zara, etc)

$38.51 €33.28

$38.78 Rp 694.7K

-0.70%

Sport Shoes (Adidas, Nike)

$103 €88.7

$86.1 Rp 1.5M

19.15%

Men's Leather Business Shoes

$106 €91.3

$76.7 Rp 1.4M

37.79%

1-bedroom Apartment, City Center (Monthly)

$679 €587

$986 Rp 17.7M

-31.07%

1-bedroom Apartment, Outside City Center (Monthly)

$528 €456

$658 Rp 11.8M

-19.82%

3-bedroom Apartment, City Center (Monthly)

$1,080 €933

$3,369 Rp 60.4M

-67.96%

3-bedroom Apartment, Outside City Center (Monthly)

$827 €715

$2,066 Rp 37.0M

-59.96%

Buy Apartment in City Center (m2)

$4,011 €3,466

$2,741 Rp 49.1M

46.33%

Buy Apartment Outside City Center (m2)

$3,225 €2,787

$2,228 Rp 39.9M

44.79%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

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: June 6, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $679 in Hvar and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $73.0 in Hvar vs $33.00 in Ubud, Bali. Groceries flip the comparison at $262 vs $297, 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 $2,291 in Hvar and $2,106 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: $679 in Hvar versus $986 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 $33.00 versus $73.0 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,527 per month in Hvar versus $1,404 in Ubud, Bali – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,404 in Ubud, Bali versus $1,527 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.