Last update: Oct 2026

Cost of Living Comparison Between Karlovac and Ubud, Bali

For one person, living is cheaper in Karlovac: $1,222 a month against $1,349 in Ubud, Bali, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

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Cost of Living Index in Karlovac
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Karlovac Living Index
65

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

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Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,222 in Karlovac versus $1,349 in Ubud, Bali.

Karlovac $1,222
Ubud, Bali $1,349

Estimated couple costs with rent: $1,821 in Karlovac versus $2,305 in Ubud, Bali.

Karlovac $1,821
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,419 in Karlovac versus $3,261 in Ubud, Bali.

Karlovac $2,419
Ubud, Bali $3,261

Living in Karlovac costs roughly 9% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$11.20 €10.04

$3.32 Rp 60.3K

237.35%

Three-Course Dinner for Two, Mid-Range

$44.46 €39.84

$35.64 Rp 646.5K

24.75%

Fast Food Meal (McDonalds, etc)

$7.61 €6.82

$5.53 Rp 100.4K

37.61%

Cappuccino

$1.96 €1.76

$2.72 Rp 49.3K

-27.94%

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

$2.45 €2.19

$1.70 Rp 30.9K

44.12%

Water (0.33 liter bottle)

$1.61 €1.44

$0.76 Rp 13.8K

111.84%

Local Beer (0.5 liter draught)

$2.43 €2.18

$2.65 Rp 48.1K

-8.30%

Imported Beer (0.33 liter bottle)

$2.46 €2.20

$4.38 Rp 79.5K

-43.84%

Milk (1 liter)

$1.13 €1.02

$1.49 Rp 27.0K

-24.16%

White Bread (500g)

$1.13 €1.02

$2.28 Rp 41.3K

-50.44%

Rice (white) (1kg)

$1.53 €1.37

$1.19 Rp 21.6K

28.57%

Eggs

$3.16 €2.83

$2.04 Rp 36.9K

54.90%

Local Cheese (1kg)

$9.05 €8.11

$17.70 Rp 321.1K

-48.87%

Chicken Fillets (1kg)

$9.86 €8.83

$3.96 Rp 71.9K

148.99%

Beef Round Steak (1kg)

$12.02 €10.77

$12.19 Rp 221.1K

-1.39%

Apples (1kg)

$1.97 €1.77

$3.66 Rp 66.3K

-46.17%

Banana (1kg)

$1.84 €1.65

$1.52 Rp 27.5K

21.05%

Oranges (1kg)

$1.83 €1.64

$2.23 Rp 40.4K

-17.94%

Tomato (1kg)

$2.01 €1.80

$1.97 Rp 35.8K

2.03%

Potato (1kg)

$1.38 €1.24

$1.85 Rp 33.5K

-25.41%

Onion (1kg)

$1.06 €0.95

$2.42 Rp 44.0K

-56.20%

Lettuce (1 head)

$1.63 €1.46

$0.99 Rp 18.0K

64.65%

Water (1.5 liter bottle)

$1.17 €1.05

$0.51 Rp 9,313

129.41%

Cigarettes 20 Pack (Marlboro, Camel)

$5.69 €5.10

$2.22 Rp 40.3K

156.31%

Wine (Bottle)

$6.67 €5.98

$22.24 Rp 403.4K

-70.01%

Local Beer (0.5 liter bottle)

$1.61 €1.44

$2.26 Rp 41.0K

-28.76%

Imported Beer (0.33 liter bottle)

$2.31 €2.07

$2.97 Rp 53.9K

-22.22%

One-way Ticket (Public Transport)

$3.33 €2.98

$0.25 Rp 4,553

1232.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

Taxi Start (Normal Tariff)

$5.66 €5.08

$0.44 Rp 7,972

1186.36%

Taxi (Normal Tariff) (1km)

$1.09 €0.98

$0.43 Rp 7,801

153.49%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

Gasoline (1 liter)

$1.69 €1.52

$0.82 Rp 15.0K

106.10%

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

$26.3K €23.6K

$23.8K Rp 432.4M

10.39%

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

$24.7K €22.1K

$31.7K Rp 575.9M

-22.19%

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

$178 €160

$79.1 Rp 1.4M

125.71%

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

$27.68 €24.80

$6.45 Rp 116.9K

329.15%

Internet (50+ Mbps, Unlimited Data)

$38.87 €34.83

$18.58 Rp 337.0K

109.20%

Gym Membership (Monthly)

$38.63 €34.61

$49.48 Rp 897.5K

-21.93%

Tennis Court (1 Hour on Weekend)

$18.24 €16.35

$17.65 Rp 320.1K

3.34%

Cinema Ticket

$6.55 €5.87

$4.27 Rp 77.5K

53.40%

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

$427 €383

$491 Rp 8.9M

-12.90%

International Primary School, 1 Child (Yearly)

$6,876 €6,161

$5,674 Rp 102.9M

21.18%

Jeans (Levis 501 Or Similar)

$89.3 €80.0

$44.64 Rp 809.7K

99.96%

Summer Dress (H&M, Zara, etc)

$49.51 €44.37

$34.95 Rp 634.0K

41.66%

Sport Shoes (Adidas, Nike)

$88.8 €79.6

$79.9 Rp 1.4M

11.15%

Men's Leather Business Shoes

$78.3 €70.2

$79.4 Rp 1.4M

-1.41%

1-bedroom Apartment, City Center (Monthly)

$478 €428

$1,125 Rp 20.4M

-57.53%

1-bedroom Apartment, Outside City Center (Monthly)

$349 €312

$671 Rp 12.2M

-48.08%

3-bedroom Apartment, City Center (Monthly)

$733 €657

$3,565 Rp 64.7M

-79.43%

3-bedroom Apartment, Outside City Center (Monthly)

$530 €475

$1,723 Rp 31.3M

-69.22%

Buy Apartment in City Center (m2)

$2,746 €2,461

$2,732 Rp 49.5M

0.53%

Buy Apartment Outside City Center (m2)

$2,382 €2,134

$2,284 Rp 41.4M

4.27%

Average Monthly Net Salary (After Tax)

$1,399 €1,254

$164 Rp 3.0M

754.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

13.78

-73.00%

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

Last update for Karlovac: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Karlovac

$349 28.5%

Ubud, Bali

$672 49.8% 92.6% $323

Groceries & Markets

Karlovac

$245 20.1%

Ubud, Bali

$288 21.4% 17.7% $43

Monthly Utilities & Internet

Karlovac

$245 20.1%

Ubud, Bali

$104 7.7% 57.5% $141

Eating Out

Karlovac

$169 13.9%

Ubud, Bali

$108 8% 36.4% $62

Clothing & Footwear

Karlovac

$138 11.3%

Ubud, Bali

$108 8% 21.9% $30

Sport & Entertainment

Karlovac

$52 4.2%

Ubud, Bali

$58 4.3% 12.2% $6.3

Getting Around

Karlovac

$24 * 2%

Ubud, Bali

$11 0.9% 53.2% $13

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $478 in Karlovac and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karlovac pays about 8.5 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $44 in Karlovac vs $36 in Ubud, Bali. Groceries flip the comparison at $245 vs $288, with Karlovac cheaper for home cooking.

Good to know

🇭🇷 Karlovac

🇮🇩 Ubud, Bali

🕒 Local time

11:06 11:06 AM

18:06 6:06 PM

7 h ahead of Karlovac

🌤 Weather

👥 Population

41,869

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 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 November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,241 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Karlovac Ubud, Bali 11,440 km ≈ 15 h nonstop flight

From you

Karlovac
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

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

Karlovac is about 9% cheaper overall, especially in groceries and leisure. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Karlovac is about 8.5 times higher, 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: $478 in Karlovac versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,222 per month in Karlovac versus $1,349 in Ubud, Bali – Karlovac is about 9% cheaper, which adds up to real savings over time.

Either city works on $1,500 a month, though Karlovac gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Karlovac and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.