Last update: Oct 2026

Cost of Living Comparison Between Niksic and Ubud, Bali

For one person, living is cheaper in Niksic: $972 a month against $1,349 in Ubud, Bali, rent and utilities included – about $4,500 less a year. Rent and utilities account for most of the difference.

47

Cost of Living Index in Niksic
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Niksic Living Index
65

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

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Niksic

🇲🇪 Montenegro

$972

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $972 in Niksic versus $1,349 in Ubud, Bali.

Niksic $972
Ubud, Bali $1,349

Estimated couple costs with rent: $1,463 in Niksic versus $2,305 in Ubud, Bali.

Niksic $1,463
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,954 in Niksic versus $3,261 in Ubud, Bali.

Niksic $1,954
Ubud, Bali $3,261

Living in Niksic costs roughly 28% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$7.98 €7.14

$3.32 Rp 60.2K

140.36%

Three-Course Dinner for Two, Mid-Range

$30.67 €27.47

$35.64 Rp 645.8K

-13.95%

Fast Food Meal (McDonalds, etc)

$5.49 €4.91

$5.53 Rp 100.3K

-0.72%

Cappuccino

$1.73 €1.55

$2.72 Rp 49.3K

-36.40%

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

$1.85 €1.65

$1.70 Rp 30.8K

8.82%

Water (0.33 liter bottle)

$1.10 €0.98

$0.76 Rp 13.8K

44.74%

Local Beer (0.5 liter draught)

$1.97 €1.77

$2.65 Rp 48.1K

-25.66%

Imported Beer (0.33 liter bottle)

$2.19 €1.96

$4.38 Rp 79.4K

-50.00%

Milk (1 liter)

$1.06 €0.95

$1.49 Rp 27.0K

-28.86%

White Bread (500g)

$0.90 €0.80

$2.28 Rp 41.2K

-60.53%

Rice (white) (1kg)

$1.96 €1.76

$1.19 Rp 21.6K

64.71%

Eggs

$3.05 €2.73

$2.04 Rp 36.9K

49.51%

Local Cheese (1kg)

$7.37 €6.60

$17.70 Rp 320.8K

-58.36%

Chicken Fillets (1kg)

$6.07 €5.44

$3.96 Rp 71.8K

53.28%

Beef Round Steak (1kg)

$10.82 €9.69

$12.19 Rp 220.9K

-11.24%

Apples (1kg)

$1.13 €1.02

$3.66 Rp 66.2K

-69.13%

Banana (1kg)

$1.26 €1.13

$1.52 Rp 27.5K

-17.11%

Oranges (1kg)

$1.32 €1.18

$2.23 Rp 40.4K

-40.81%

Tomato (1kg)

$2.08 €1.87

$1.97 Rp 35.7K

5.58%

Potato (1kg)

$0.96 €0.86

$1.85 Rp 33.5K

-48.11%

Onion (1kg)

$1.02 €0.91

$2.42 Rp 43.9K

-57.85%

Lettuce (1 head)

$1.01 €0.91

$0.99 Rp 17.9K

2.02%

Water (1.5 liter bottle)

$0.85 €0.76

$0.51 Rp 9,303

66.67%

Cigarettes 20 Pack (Marlboro, Camel)

$4.06 €3.63

$2.22 Rp 40.3K

82.88%

Wine (Bottle)

$5.16 €4.62

$22.24 Rp 403.0K

-76.80%

Local Beer (0.5 liter bottle)

$0.97 €0.87

$2.26 Rp 41.0K

-57.08%

Imported Beer (0.33 liter bottle)

$1.17 €1.05

$2.97 Rp 53.8K

-60.61%

One-way Ticket (Public Transport)

$1.14 €1.02

$0.25 Rp 4,548

356.00%

Public Transport Monthly Pass (Regular Price)

$32.88 €29.45

$7.82 Rp 141.8K

320.46%

Taxi Start (Normal Tariff)

$0.55 €0.49

$0.44 Rp 7,964

25.00%

Taxi (Normal Tariff) (1km)

$0.55 €0.49

$0.43 Rp 7,793

27.91%

Taxi 1hour Waiting (Normal Tariff)

$7.23 €6.47

$5.41 Rp 98.0K

33.64%

Gasoline (1 liter)

$1.75 €1.57

$0.82 Rp 14.9K

113.41%

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

$21.1K €18.9K

$23.8K Rp 432.0M

-11.46%

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

$25.5K €22.8K

$31.7K Rp 575.3M

-19.70%

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

$118 €106

$79.1 Rp 1.4M

49.25%

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

$23.25 €20.82

$6.45 Rp 116.8K

260.47%

Internet (50+ Mbps, Unlimited Data)

$24.08 €21.57

$18.58 Rp 336.7K

29.60%

Gym Membership (Monthly)

$32.96 €29.52

$49.48 Rp 896.7K

-33.39%

Tennis Court (1 Hour on Weekend)

$10.40 €9.31

$17.65 Rp 319.8K

-41.08%

Cinema Ticket

$5.63 €5.04

$4.27 Rp 77.4K

31.85%

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

$81.7 €73.1

$491 Rp 8.9M

-83.36%

International Primary School, 1 Child (Yearly)

$4,474 €4,007

$5,674 Rp 102.8M

-21.14%

Jeans (Levis 501 Or Similar)

$82.5 €73.9

$44.64 Rp 808.9K

84.86%

Summer Dress (H&M, Zara, etc)

$31.92 €28.58

$34.95 Rp 633.4K

-8.67%

Sport Shoes (Adidas, Nike)

$88.2 €79.0

$79.9 Rp 1.4M

10.34%

Men's Leather Business Shoes

$111 €99.6

$79.4 Rp 1.4M

40.05%

1-bedroom Apartment, City Center (Monthly)

$411 €369

$1,125 Rp 20.4M

-63.42%

1-bedroom Apartment, Outside City Center (Monthly)

$263 €236

$671 Rp 12.2M

-60.76%

3-bedroom Apartment, City Center (Monthly)

$615 €551

$3,565 Rp 64.6M

-82.74%

3-bedroom Apartment, Outside City Center (Monthly)

$415 €372

$1,723 Rp 31.2M

-75.90%

Buy Apartment in City Center (m2)

$1,673 €1,498

$2,732 Rp 49.5M

-38.76%

Buy Apartment Outside City Center (m2)

$1,191 €1,067

$2,284 Rp 41.4M

-47.84%

Average Monthly Net Salary (After Tax)

$805 €721

$164 Rp 3.0M

391.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

13.78

-60.09%

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

Last update for Niksic: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Niksic

$263 27.1%

Ubud, Bali

$672 49.8% 155% $408

Groceries & Markets

Niksic

$190 19.6%

Ubud, Bali

$288 21.4% 51.7% $98

Monthly Utilities & Internet

Niksic

$165 17%

Ubud, Bali

$104 7.7% 37% $61

Clothing & Footwear

Niksic

$141 14.5%

Ubud, Bali

$108 8% 23.9% $34

Eating Out

Niksic

$127 13.1%

Ubud, Bali

$108 8% 15.2% $19

Sport & Entertainment

Niksic

$44 4.6%

Ubud, Bali

$58 4.3% 31.2% $14

Getting Around

Niksic

$41 4.2%

Ubud, Bali

$11 0.9% 72% $29

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Niksic and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Niksic pays about 4.9 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 Niksic vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $190 vs $288 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Niksic

🇮🇩 Ubud, Bali

🕒 Local time

12:19 12:19 PM

19:19 7:19 PM

7 h ahead of Niksic

🌤 Weather

👥 Population

56,970

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.52 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 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Between locations

Niksic Ubud, Bali 11,160 km ≈ 14 h nonstop flight

From you

Niksic
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

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

Total monthly costs including rent come to $972 in Niksic and $1,349 in Ubud, Bali, so Niksic is about 28% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay in Niksic is about 4.9 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: $411 in Niksic versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $972 per month in Niksic versus $1,349 in Ubud, Bali – Niksic is about 28% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 76% less than in Niksic. The price difference matters if you commute daily and watch your budget.

At $972 in Niksic versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Niksic but tight or insufficient in Ubud, Bali. The gap between the two cities makes Niksic 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, Niksic and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.