Last update: Oct 2026

Cost of Living Comparison Between Lome and Banja Luka

For one person, living is cheaper in Lome: $560 a month against $1,198 in Banja Luka, rent and utilities included – about $7,700 less a year. Rent and utilities account for about half of the difference.

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Cost of Living Index in Banja Luka
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Banja Luka Living Index

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Lome

🇹🇬 Togo

$560

/mo nomad

Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,198

/mo nomad

Monthly Cost of Living

How much you'll spend in Lome and in Banja Luka

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Lome and in Banja Luka actually costs, broken down by who's living it.

A single person spends $560 per month in Lome vs $1,198 in Banja Luka, rent included.

Lome $560
Banja Luka $1,198

A couple spends around $992 per month in Lome vs $1,826 in Banja Luka, rent included.

Lome $992
Banja Luka $1,826

A family of three spends $1,424 per month in Lome vs $2,454 in Banja Luka, rent included.

Lome $1,424
Banja Luka $2,454

Lome is about 53% cheaper than Banja Luka, and outside of rent the biggest gap is in groceries.

Both Lome and Banja Luka are more affordable than the global median – Lome 59% lower, Banja Luka 12% lower.

Meal at Budget Restaurant

$2.86 F CFA 1,683

$9.52 BAM 16.71

-69.96%

Three-Course Dinner for Two, Mid-Range

$30.57 F CFA 18.0K

$49.53 BAM 87.0

-38.28%

Fast Food Meal (McDonalds, etc)

$5.52 F CFA 3,251

$10.69 BAM 18.77

-48.36%

Cappuccino

$5.74 F CFA 3,383

$1.84 BAM 3.23

211.96%

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

$4.14 F CFA 2,436

$2.55 BAM 4.48

62.35%

Water (0.33 liter bottle)

$0.75 F CFA 445

$1.69 BAM 2.97

-55.62%

Local Beer (0.5 liter draught)

$0.90 F CFA 527

$2.36 BAM 4.14

-61.86%

Imported Beer (0.33 liter bottle)

$1.73 F CFA 1,019

$3.37 BAM 5.91

-48.66%

Milk (1 liter)

$2.30 F CFA 1,355

$1.37 BAM 2.41

67.88%

White Bread (500g)

$1.30 F CFA 764

$1.23 BAM 2.15

5.69%

Rice (white) (1kg)

$1.48 F CFA 874

$1.59 BAM 2.79

-6.92%

Eggs

$1.96 F CFA 1,156

$2.89 BAM 5.07

-32.18%

Local Cheese (1kg)

$9.76 BAM 17.14

Chicken Fillets (1kg)

$8.92 BAM 15.67

Beef Round Steak (1kg)

$5.49 F CFA 3,231

$14.07 BAM 24.71

-60.98%

Apples (1kg)

$3.03 F CFA 1,787

$1.84 BAM 3.24

64.67%

Banana (1kg)

$1.73 F CFA 1,017

$1.96 BAM 3.45

-11.73%

Oranges (1kg)

$2.21 BAM 3.89

Tomato (1kg)

$2.60 F CFA 1,529

$2.16 BAM 3.79

20.37%

Potato (1kg)

$1.74 F CFA 1,025

$0.99 BAM 1.73

75.76%

Onion (1kg)

$1.22 F CFA 717

$1.37 BAM 2.40

-10.95%

Lettuce (1 head)

$1.13 BAM 1.98

Water (1.5 liter bottle)

$0.84 F CFA 492

$0.89 BAM 1.57

-5.62%

Cigarettes 20 Pack (Marlboro, Camel)

$3.92 BAM 6.88

Wine (Bottle)

$4.70 F CFA 2,769

$7.99 BAM 14.04

-41.18%

Local Beer (0.5 liter bottle)

$1.13 F CFA 668

$0.99 BAM 1.74

14.14%

Imported Beer (0.33 liter bottle)

$1.41 F CFA 832

$1.41 BAM 2.47

One-way Ticket (Public Transport)

$1.33 BAM 2.34

Public Transport Monthly Pass (Regular Price)

$45.28 BAM 79.5

Taxi Start (Normal Tariff)

$1.69 BAM 2.96

Taxi (Normal Tariff) (1km)

$1.17 F CFA 691

$1.12 BAM 1.97

4.46%

Taxi 1hour Waiting (Normal Tariff)

$4.35 F CFA 2,561

$16.85 BAM 29.59

-74.18%

Gasoline (1 liter)

$1.20 F CFA 707

$1.77 BAM 3.11

-32.20%

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

$30.4K BAM 53.5K

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

$21.1K BAM 37.1K

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

$146 F CFA 86.1K

$163 BAM 285

-10.06%

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

$20.99 F CFA 12.4K

$16.51 BAM 29.00

27.14%

Internet (50+ Mbps, Unlimited Data)

$42.24 F CFA 24.9K

$36.88 BAM 64.8

14.53%

Gym Membership (Monthly)

$60.1 F CFA 35.4K

$36.35 BAM 63.9

65.45%

Tennis Court (1 Hour on Weekend)

$8.71 F CFA 5,128

$15.04 BAM 26.42

-42.09%

Cinema Ticket

$4.31 F CFA 2,540

$5.78 BAM 10.15

-25.43%

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

$283 BAM 498

International Primary School, 1 Child (Yearly)

$3,604 BAM 6,330

Jeans (Levis 501 Or Similar)

$82.1 BAM 144

Summer Dress (H&M, Zara, etc)

$36.26 BAM 63.7

Sport Shoes (Adidas, Nike)

$106 BAM 185

Men's Leather Business Shoes

$145 BAM 254

1-bedroom Apartment, City Center (Monthly)

$435 BAM 765

1-bedroom Apartment, Outside City Center (Monthly)

$299 BAM 525

3-bedroom Apartment, City Center (Monthly)

$1,203 F CFA 708.5K

$658 BAM 1,156

82.82%

3-bedroom Apartment, Outside City Center (Monthly)

$295 F CFA 173.8K

$471 BAM 828

-37.38%

Buy Apartment in City Center (m2)

$2,826 BAM 4,964

Buy Apartment Outside City Center (m2)

$1,912 BAM 3,358

Average Monthly Net Salary (After Tax)

$295 F CFA 173.9K

$887 BAM 1,559

-66.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

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

Last update for Lome: October 26, 2026

Last update for Banja Luka: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Lome

–

Banja Luka

$299 25%

Groceries & Markets

Lome

–

Banja Luka

$245 20.5%

Monthly Utilities & Internet

Lome

–

Banja Luka

$216 18%

Clothing & Footwear

Lome

–

Banja Luka

$166 13.9%

Eating Out

Lome

–

Banja Luka

$166 13.8%

Getting Around

Lome

–

Banja Luka

$58 4.8%

Sport & Entertainment

Lome

–

Banja Luka

$48 4%

Cost Breakdown

Salaries in Banja Luka are about 3 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $31 in Lome versus $50 in Banja Luka. Monthly groceries follow the same trend: $140 vs $245 – making Lome the more affordable choice for daily food spending.

Good to know

🇹🇬 Lome

🇧🇦 Banja Luka

🕒 Local time

15:50 3:50 PM

16:50 4:50 PM

1 h ahead of Lome

🌤 Weather

👥 Population

837,437 Capital

138,963

💱 Currency

West African CFA Franc XOF Fr

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

1,000 XOF = 1.7 USD

1,000 XOF = 1.53 EUR

1 BAM = 0.569 USD

1 BAM = 0.512 EUR

Exchange rates and currency converter

BAM, USD, EUR to XOF – West African CFA Franc Converter

🇺🇸 United States Dollar ($)

🌐 West African CFA Franc (Fr)

West African CFA Franc exchange rates as of October 28, 2026: 1 USD = 589 XOF (1,000 XOF = 1.7 USD). 1 EUR = 656 XOF (1,000 XOF = 1.53 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 28, 2026: 1 USD = 1.76 BAM (1 BAM = 0.569 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

USD to XOF in detail →

On the map

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Between locations

Lome Banja Luka 4,570 km ≈ 6 h nonstop flight

From you

Lome
Banja Luka

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

Lome vs Banja Luka: Cost of Living - Frequently Asked Questions

Yes – Banja Luka is pricier by about 114%, and outside of rent the gap shows up most in clothing.

For a comfortable life, plan on about $840 per month in Lome and $1,796 in Banja Luka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Groceries cost about 75% more in Banja Luka, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $31 in Lome and $50 in Banja Luka. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

A $800 monthly budget goes further in Lome, where all-in costs run around $560, than in Banja Luka at $1,198. In Lome it covers expenses comfortably, while in Banja Luka it requires careful planning or may not stretch far enough.

It depends on your priorities. Lome has an edge in some lifestyle areas, with costs from $560 in Lome to $1,198 in Banja Luka. Climate, culture, job market, and personal taste all factor in.

If budget matters most, go with Lome. If higher salaries, better infrastructure, or specific career opportunities are the priority, Banja Luka makes more sense. Both are solid long-term options with distinct trade-offs.