Last update: Oct 2026

Cost of Living Comparison Between Neum and Ubud, Bali

For one person, living is cheaper in Neum: $923 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,100 less a year. Rent and utilities account for most of the difference.

45

Cost of Living Index in Neum
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Neum Living Index
65

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

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Neum

🇧🇦 Bosnia and Herzegovina

$923

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $923 in Neum versus $1,349 in Ubud, Bali.

Neum $923
Ubud, Bali $1,349

Estimated couple costs with rent: $1,388 in Neum versus $2,305 in Ubud, Bali.

Neum $1,388
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,852 in Neum versus $3,261 in Ubud, Bali.

Neum $1,852
Ubud, Bali $3,261

Living in Neum costs roughly 32% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$5.00 BAM 8.77

$3.32 Rp 60.4K

50.60%

Three-Course Dinner for Two, Mid-Range

$31.00 BAM 54.4

$35.64 Rp 647.8K

-13.02%

Fast Food Meal (McDonalds, etc)

$5.68 BAM 9.97

$5.53 Rp 100.6K

2.71%

Cappuccino

$1.81 BAM 3.18

$2.72 Rp 49.4K

-33.46%

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

$1.94 BAM 3.41

$1.70 Rp 30.9K

14.12%

Water (0.33 liter bottle)

$1.25 BAM 2.19

$0.76 Rp 13.8K

64.47%

Local Beer (0.5 liter draught)

$2.60 BAM 4.56

$2.65 Rp 48.2K

-1.89%

Imported Beer (0.33 liter bottle)

$2.21 BAM 3.87

$4.38 Rp 79.6K

-49.54%

Milk (1 liter)

$1.16 BAM 2.04

$1.49 Rp 27.1K

-22.15%

White Bread (500g)

$0.90 BAM 1.58

$2.28 Rp 41.4K

-60.53%

Rice (white) (1kg)

$2.08 BAM 3.66

$1.19 Rp 21.6K

74.79%

Eggs

$2.59 BAM 4.55

$2.04 Rp 37.0K

26.96%

Local Cheese (1kg)

$7.55 BAM 13.25

$17.70 Rp 321.7K

-57.34%

Chicken Fillets (1kg)

$7.08 BAM 12.44

$3.96 Rp 72.0K

78.79%

Beef Round Steak (1kg)

$10.69 BAM 18.78

$12.19 Rp 221.6K

-12.31%

Apples (1kg)

$1.10 BAM 1.93

$3.66 Rp 66.4K

-69.95%

Banana (1kg)

$1.63 BAM 2.86

$1.52 Rp 27.6K

7.24%

Oranges (1kg)

$1.39 BAM 2.45

$2.23 Rp 40.5K

-37.67%

Tomato (1kg)

$1.16 BAM 2.03

$1.97 Rp 35.9K

-41.12%

Potato (1kg)

$0.98 BAM 1.73

$1.85 Rp 33.6K

-47.03%

Onion (1kg)

$0.99 BAM 1.74

$2.42 Rp 44.1K

-59.09%

Lettuce (1 head)

$0.77 BAM 1.36

$0.99 Rp 18.0K

-22.22%

Water (1.5 liter bottle)

$0.67 BAM 1.18

$0.51 Rp 9,332

31.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.87 BAM 6.80

$2.22 Rp 40.4K

74.32%

Wine (Bottle)

$4.11 BAM 7.22

$22.24 Rp 404.2K

-81.52%

Local Beer (0.5 liter bottle)

$0.79 BAM 1.39

$2.26 Rp 41.1K

-65.04%

Imported Beer (0.33 liter bottle)

$0.89 BAM 1.56

$2.97 Rp 54.0K

-70.03%

One-way Ticket (Public Transport)

$1.19 BAM 2.09

$0.25 Rp 4,562

376.00%

Public Transport Monthly Pass (Regular Price)

$56.7 BAM 99.6

$7.82 Rp 142.2K

625.06%

Taxi Start (Normal Tariff)

$1.75 BAM 3.07

$0.44 Rp 7,989

297.73%

Taxi (Normal Tariff) (1km)

$0.60 BAM 1.05

$0.43 Rp 7,817

39.53%

Taxi 1hour Waiting (Normal Tariff)

$5.80 BAM 10.19

$5.41 Rp 98.3K

7.21%

Gasoline (1 liter)

$1.56 BAM 2.74

$0.82 Rp 15.0K

90.24%

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

$29.8K BAM 52.4K

$23.8K Rp 433.3M

25.05%

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

$21.4K BAM 37.5K

$31.7K Rp 577.0M

-32.69%

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

$135 BAM 237

$79.1 Rp 1.4M

70.96%

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

$17.71 BAM 31.10

$6.45 Rp 117.2K

174.57%

Internet (50+ Mbps, Unlimited Data)

$25.81 BAM 45.32

$18.58 Rp 337.7K

38.91%

Gym Membership (Monthly)

$33.44 BAM 58.7

$49.48 Rp 899.4K

-32.42%

Tennis Court (1 Hour on Weekend)

$12.73 BAM 22.36

$17.65 Rp 320.8K

-27.88%

Cinema Ticket

$6.93 BAM 12.18

$4.27 Rp 77.7K

62.30%

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

$195 BAM 342

$491 Rp 8.9M

-60.32%

International Primary School, 1 Child (Yearly)

$2,298 BAM 4,035

$5,674 Rp 103.1M

-59.51%

Jeans (Levis 501 Or Similar)

$57.5 BAM 101

$44.64 Rp 811.4K

28.88%

Summer Dress (H&M, Zara, etc)

$32.40 BAM 56.9

$34.95 Rp 635.3K

-7.30%

Sport Shoes (Adidas, Nike)

$86.7 BAM 152

$79.9 Rp 1.5M

8.46%

Men's Leather Business Shoes

$80.8 BAM 142

$79.4 Rp 1.4M

1.71%

1-bedroom Apartment, City Center (Monthly)

$311 BAM 546

$1,125 Rp 20.4M

-72.34%

1-bedroom Apartment, Outside City Center (Monthly)

$220 BAM 387

$671 Rp 12.2M

-67.17%

3-bedroom Apartment, City Center (Monthly)

$524 BAM 921

$3,565 Rp 64.8M

-85.29%

3-bedroom Apartment, Outside City Center (Monthly)

$350 BAM 615

$1,723 Rp 31.3M

-79.68%

Buy Apartment in City Center (m2)

$2,299 BAM 4,038

$2,732 Rp 49.6M

-15.82%

Buy Apartment Outside City Center (m2)

$1,585 BAM 2,784

$2,284 Rp 41.5M

-30.60%

Average Monthly Net Salary (After Tax)

$872 BAM 1,531

$164 Rp 3.0M

432.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.9

13.78

-78.96%

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

Last update for Neum: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Neum

$220 23.9%

Ubud, Bali

$672 49.8% 205% $451

Groceries & Markets

Neum

$186 20.2%

Ubud, Bali

$288 21.4% 55% $102

Monthly Utilities & Internet

Neum

$179 19.4%

Ubud, Bali

$104 7.7% 41.7% $75

Clothing & Footwear

Neum

$116 12.5%

Ubud, Bali

$108 8% 7.2% $8.3

Eating Out

Neum

$109 11.8%

Ubud, Bali

$108 8% 1.1% $1.2

Getting Around

Neum

$66 7.2%

Ubud, Bali

$11 0.9% 82.7% $55

Sport & Entertainment

Neum

$47 5.1%

Ubud, Bali

$58 4.3% 22.7% $11

Cost Breakdown

A one-bedroom apartment in the center runs $311 in Neum and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Neum pays about 5.3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $31 in Neum vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $186 vs $288 per month, with Neum cheaper across the board.

Good to know

🇧🇦 Neum

🇮🇩 Ubud, Bali

🕒 Local time

23:26 11:26 PM

06:26 6:26 AM

7 h ahead of Neum

🌤 Weather

👥 Population

3,200

74,800

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BAM = 0.569 USD

1 BAM = 0.512 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

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).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

USD to BAM in detail →

On the map

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Highest

Between locations

Neum Ubud, Bali 11,270 km ≈ 15 h nonstop flight

From you

Neum
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

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

Total monthly costs including rent come to $923 in Neum and $1,349 in Ubud, Bali, so Neum is about 32% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Neum is about 5.3 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: $311 in Neum versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 86% less than in Neum. The price difference matters if you commute daily and watch your budget.

Childcare runs $195 in Neum versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $923 in Neum versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Neum but tight or insufficient in Ubud, Bali. The gap between the two cities makes Neum the clear choice for anyone on this budget.

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