Last update: Oct 2026

Cost of Living Comparison Between Kotor and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,543 in Kotor, rent and utilities included – about $2,300 less a year. Other living expenses account for most of the difference.

74

Cost of Living Index in Kotor
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Kotor Living Index
66

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

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Kotor

🇲🇪 Montenegro

$1,543

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,543 in Kotor versus $1,353 in Ubud, Bali.

Kotor $1,543
Ubud, Bali $1,353

Estimated couple costs with rent: $2,446 in Kotor versus $2,297 in Ubud, Bali.

Kotor $2,446
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $3,350 in Kotor versus $3,241 in Ubud, Bali.

Kotor $3,350
Ubud, Bali $3,241

Living in Kotor is roughly 14% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Kotor 14% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$11.27 €10.03

$3.23 Rp 58.1K

248.92%

Three-Course Dinner for Two, Mid-Range

$59.7 €53.1

$34.88 Rp 627.8K

71.01%

Fast Food Meal (McDonalds, etc)

$11.34 €10.08

$5.70 Rp 102.5K

98.95%

Cappuccino

$3.22 €2.86

$2.62 Rp 47.1K

22.90%

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

$2.50 €2.22

$1.72 Rp 31.0K

45.35%

Water (0.33 liter bottle)

$1.47 €1.30

$0.81 Rp 14.6K

81.48%

Local Beer (0.5 liter draught)

$3.02 €2.69

$2.65 Rp 47.7K

13.96%

Imported Beer (0.33 liter bottle)

$4.16 €3.70

$4.37 Rp 78.6K

-4.81%

Milk (1 liter)

$1.33 €1.18

$1.57 Rp 28.3K

-15.29%

White Bread (500g)

$0.93 €0.83

$2.19 Rp 39.5K

-57.53%

Rice (white) (1kg)

$1.98 €1.76

$1.18 Rp 21.2K

67.80%

Eggs

$3.57 €3.18

$2.16 Rp 38.8K

65.28%

Local Cheese (1kg)

$8.78 €7.81

$17.65 Rp 317.7K

-50.25%

Chicken Fillets (1kg)

$8.49 €7.55

$3.78 Rp 68.0K

124.60%

Beef Round Steak (1kg)

$12.57 €11.18

$11.95 Rp 215.1K

5.19%

Apples (1kg)

$1.27 €1.13

$3.60 Rp 64.8K

-64.72%

Banana (1kg)

$1.68 €1.49

$1.59 Rp 28.6K

5.66%

Oranges (1kg)

$1.55 €1.38

$2.31 Rp 41.6K

-32.90%

Tomato (1kg)

$2.42 €2.15

$1.91 Rp 34.3K

26.70%

Potato (1kg)

$0.88 €0.79

$1.78 Rp 32.1K

-50.56%

Onion (1kg)

$1.07 €0.95

$2.33 Rp 41.9K

-54.08%

Lettuce (1 head)

$1.44 €1.28

$1.00 Rp 18.0K

44.00%

Water (1.5 liter bottle)

$0.86 €0.76

$0.53 Rp 9,509

62.26%

Cigarettes 20 Pack (Marlboro, Camel)

$4.41 €3.92

$2.29 Rp 41.1K

92.58%

Wine (Bottle)

$7.95 €7.07

$22.07 Rp 397.3K

-63.98%

Local Beer (0.5 liter bottle)

$1.13 €1.01

$2.35 Rp 42.2K

-51.91%

Imported Beer (0.33 liter bottle)

$1.75 €1.55

$2.98 Rp 53.6K

-41.28%

One-way Ticket (Public Transport)

$1.66 €1.48

$0.23 Rp 4,112

621.74%

Public Transport Monthly Pass (Regular Price)

$44.59 €39.67

$8.90 Rp 160.2K

401.01%

Taxi Start (Normal Tariff)

$0.79 €0.70

$0.47 Rp 8,466

68.09%

Taxi (Normal Tariff) (1km)

$1.09 €0.97

$0.43 Rp 7,737

153.49%

Taxi 1hour Waiting (Normal Tariff)

$11.32 €10.07

$5.47 Rp 98.4K

106.95%

Gasoline (1 liter)

$1.70 €1.52

$0.83 Rp 14.9K

104.82%

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

$27.6K €24.5K

$23.9K Rp 429.8M

15.58%

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

$23.9K €21.2K

$32.8K Rp 590.1M

-27.21%

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

$128 €113

$80.0 Rp 1.4M

59.49%

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

$17.30 €15.39

$6.56 Rp 118.1K

163.72%

Internet (50+ Mbps, Unlimited Data)

$32.15 €28.60

$18.60 Rp 334.8K

72.85%

Gym Membership (Monthly)

$45.75 €40.69

$54.1 Rp 974.1K

-15.47%

Tennis Court (1 Hour on Weekend)

$19.82 €17.63

$18.28 Rp 329.0K

8.42%

Cinema Ticket

$6.30 €5.60

$4.25 Rp 76.5K

48.24%

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

$335 €298

$493 Rp 8.9M

-32.06%

International Primary School, 1 Child (Yearly)

$7,192 €6,398

$5,597 Rp 100.7M

28.50%

Jeans (Levis 501 Or Similar)

$88.9 €79.0

$45.58 Rp 820.4K

94.95%

Summer Dress (H&M, Zara, etc)

$44.84 €39.88

$34.96 Rp 629.4K

28.26%

Sport Shoes (Adidas, Nike)

$96.0 €85.4

$77.7 Rp 1.4M

23.47%

Men's Leather Business Shoes

$107 €95.0

$78.5 Rp 1.4M

35.97%

1-bedroom Apartment, City Center (Monthly)

$683 €607

$1,131 Rp 20.4M

-39.68%

1-bedroom Apartment, Outside City Center (Monthly)

$665 €591

$673 Rp 12.1M

-1.19%

3-bedroom Apartment, City Center (Monthly)

$1,343 €1,195

$3,613 Rp 65.0M

-62.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,322 €1,176

$1,702 Rp 30.6M

-22.29%

Buy Apartment in City Center (m2)

$3,875 €3,447

$2,717 Rp 48.9M

42.59%

Buy Apartment Outside City Center (m2)

$2,840 €2,526

$2,241 Rp 40.3M

26.70%

Average Monthly Net Salary (After Tax)

$950 €845

$166 Rp 3.0M

470.81%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

13.78

-56.82%

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

Last update for Kotor: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Kotor

$665 43.1%

Ubud, Bali

$673 49.7% 1.2% $8.1

Groceries & Markets

Kotor

$232 15%

Ubud, Bali

$287 21.2% 23.9% $55

Eating Out

Kotor

$202 13.1%

Ubud, Bali

$106 7.9% 47.3% $96

Monthly Utilities & Internet

Kotor

$177 11.5%

Ubud, Bali

$105 7.8% 40.6% $72

Clothing & Footwear

Kotor

$151 9.8%

Ubud, Bali

$107 7.9% 29.6% $45

Sport & Entertainment

Kotor

$58 3.8%

Ubud, Bali

$63 4.6% 7.3% $4.3

Getting Around

Kotor

$57 3.7%

Ubud, Bali

$12 0.9% 78.4% $45

Cost Breakdown

A one-bedroom apartment in the center runs $683 in Kotor and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Kotor pays 471% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $60.0 in Kotor vs $35.00 in Ubud, Bali. Groceries flip the comparison at $232 vs $287, with Kotor cheaper for home cooking.

Good to know

🇲🇪 Kotor

🇮🇩 Ubud, Bali

🕒 Local time

14:15 2:15 PM

20:15 8:15 PM

6 h ahead of Kotor

🌤 Weather

👥 Population

13,000

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 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 October 24, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 24, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Between locations

Kotor Ubud, Bali 11,180 km ≈ 14 h nonstop flight

From you

Kotor
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

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

Ubud, Bali is cheaper overall, especially in eating out, clothing, and transport. The 14% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 471% higher in Kotor, 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: $683 in Kotor versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $335 in Kotor versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Kotor pay roughly 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $1,543 in Kotor, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kotor. 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 Kotor, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kotor 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 14% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.