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

Monthly Cost of Living

Monthly costs for one person with rent: $1,243 in Karlovac versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $1,868 in Karlovac versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,494 in Karlovac versus $3,732 in Ubud, Bali.

Living in Karlovac costs roughly 14% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: Karlovac is 7% below, Ubud, Bali is 7% above.

Meal at Budget Restaurant

$12.91 €11.05

$3.57 Rp 61.9K

261.62%

Three-Course Dinner for Two, Mid-Range

$45.39 €38.86

$32.58 Rp 564.7K

39.32%

Fast Food Meal (McDonalds, etc)

$7.92 €6.78

$5.07 Rp 87.8K

56.21%

Cappuccino

$1.93 €1.65

$2.83 Rp 49.0K

-31.80%

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

$2.41 €2.06

$1.34 Rp 23.2K

79.85%

Water (0.33 liter bottle)

$1.41 €1.21

$0.69 Rp 12.0K

104.35%

Local Beer (0.5 liter draught)

$2.27 €1.95

$2.99 Rp 51.8K

-24.08%

Imported Beer (0.33 liter bottle)

$2.29 €1.96

$3.85 Rp 66.7K

-40.52%

Milk (1 liter)

$1.19 €1.02

$1.74 Rp 30.2K

-31.61%

White Bread (500g)

$1.18 €1.01

$2.54 Rp 44.0K

-53.54%

Rice (white) (1kg)

$1.81 €1.55

$1.19 Rp 20.6K

52.10%

Eggs

$3.41 €2.91

$2.43 Rp 42.0K

40.33%

Local Cheese (1kg)

$9.93 €8.50

$14.66 Rp 254.1K

-32.26%

Chicken Fillets (1kg)

$11.73 €10.04

$4.18 Rp 72.4K

180.62%

Beef Round Steak (1kg)

$13.74 €11.76

$11.94 Rp 206.9K

15.08%

Apples (1kg)

$1.79 €1.53

$3.69 Rp 63.9K

-51.49%

Banana (1kg)

$2.07 €1.77

$1.61 Rp 27.8K

28.57%

Oranges (1kg)

$1.72 €1.47

$2.69 Rp 46.5K

-36.06%

Tomato (1kg)

$2.00 €1.71

$2.33 Rp 40.4K

-14.16%

Potato (1kg)

$1.58 €1.36

$1.91 Rp 33.0K

-17.28%

Onion (1kg)

$1.06 €0.91

$2.19 Rp 37.9K

-51.60%

Lettuce (1 head)

$1.71 €1.46

$1.06 Rp 18.3K

61.32%

Water (1.5 liter bottle)

$1.01 €0.86

$0.72 Rp 12.5K

40.28%

Cigarettes 20 Pack (Marlboro, Camel)

$5.39 €4.61

$3.13 Rp 54.3K

72.20%

Wine (Bottle)

$7.16 €6.13

$23.49 Rp 407.1K

-69.52%

Local Beer (0.5 liter bottle)

$1.75 €1.50

$2.74 Rp 47.5K

-36.13%

Imported Beer (0.33 liter bottle)

$2.63 €2.25

$2.88 Rp 49.9K

-8.68%

One-way Ticket (Public Transport)

$1.76 €1.51

$0.29 Rp 5,029

506.90%

Public Transport Monthly Pass (Regular Price)

$43.28 €37.05

$8.17 Rp 141.6K

429.74%

Taxi Start (Normal Tariff)

$2.98 €2.55

$0.45 Rp 7,863

562.22%

Taxi (Normal Tariff) (1km)

$1.33 €1.14

$0.42 Rp 7,305

216.67%

Taxi 1hour Waiting (Normal Tariff)

$9.20 €7.88

$6.16 Rp 106.7K

49.35%

Gasoline (1 liter)

$1.70 €1.46

$0.84 Rp 14.6K

102.38%

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

$36.3K €31.1K

$26.2K Rp 454.9M

38.44%

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

$26.5K €22.7K

$32.5K Rp 562.9M

-18.36%

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

$186 €159

$78.4 Rp 1.4M

137.40%

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

$23.33 €19.97

$3.95 Rp 68.5K

490.63%

Internet (50+ Mbps, Unlimited Data)

$32.85 €28.12

$24.40 Rp 423.0K

34.63%

Gym Membership (Monthly)

$34.41 €29.46

$96.5 Rp 1.7M

-64.36%

Tennis Court (1 Hour on Weekend)

$14.59 €12.49

$6.35 Rp 110.0K

129.76%

Cinema Ticket

$6.49 €5.56

$4.04 Rp 70.0K

60.64%

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

$238 €204

$303 Rp 5.2M

-21.24%

International Primary School, 1 Child (Yearly)

$1,382 €1,183

$6,523 Rp 113.1M

-78.82%

Jeans (Levis 501 Or Similar)

$104 €88.6

$53.8 Rp 933.1K

92.24%

Summer Dress (H&M, Zara, etc)

$35.35 €30.26

$37.98 Rp 658.3K

-6.92%

Sport Shoes (Adidas, Nike)

$69.3 €59.3

$86.8 Rp 1.5M

-20.15%

Men's Leather Business Shoes

$75.9 €65.0

$78.9 Rp 1.4M

-3.75%

1-bedroom Apartment, City Center (Monthly)

$421 €360

$1,012 Rp 17.5M

-58.46%

1-bedroom Apartment, Outside City Center (Monthly)

$327 €280

$674 Rp 11.7M

-51.58%

3-bedroom Apartment, City Center (Monthly)

$626 €535

$3,390 Rp 58.8M

-81.55%

3-bedroom Apartment, Outside City Center (Monthly)

$484 €414

$2,098 Rp 36.4M

-76.93%

Buy Apartment in City Center (m2)

$2,887 €2,471

$2,985 Rp 51.7M

-3.27%

Buy Apartment Outside City Center (m2)

$2,500 €2,140

$2,339 Rp 40.5M

6.88%

Average Monthly Net Salary (After Tax)

$1,443 €1,236

$173 Rp 3.0M

733.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.47

13.28

-66.34%

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

Last update for Karlovac: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $421 in Karlovac and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Karlovac pays 734% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $45.00 in Karlovac vs $33.00 in Ubud, Bali. Groceries flip the comparison at $267 vs $298, with Karlovac 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

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

Karlovac is cheaper overall, especially in Groceries & Markets, Sport & Entertainment. The 16% gap adds up to real monthly savings that compound significantly over time.

Karlovac pays 734% more on average, 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: $421 in Karlovac versus $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,243 per month in Karlovac versus $1,438 in Ubud, Bali – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Karlovac runs roughly 430% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,243 in Karlovac versus $1,438 in Ubud, Bali, a $1,500 budget is realistic in Karlovac but tight or insufficient in Ubud, Bali. The gap between the two cities makes Karlovac the clear choice for anyone on this budget.

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

Safety-wise, Karlovac 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 Karlovac gentler on the wallet – expenses run 16% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.