Last update: Oct 2026

Cost of Living Comparison Between Novi Pazar and Ubud, Bali

For one person, living is cheaper in Novi Pazar: $1,046 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

50

Cost of Living Index in Novi Pazar
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Novi Pazar Living Index
65

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

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Novi Pazar

🇷🇸 Serbia

$1,046

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,046 in Novi Pazar versus $1,349 in Ubud, Bali.

Novi Pazar $1,046
Ubud, Bali $1,349

Estimated couple costs with rent: $1,505 in Novi Pazar versus $2,305 in Ubud, Bali.

Novi Pazar $1,505
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $1,965 in Novi Pazar versus $3,261 in Ubud, Bali.

Novi Pazar $1,965
Ubud, Bali $3,261

Living in Novi Pazar costs roughly 22% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$6.85 RSD 722

$3.32 Rp 60.4K

106.33%

Three-Course Dinner for Two, Mid-Range

$17.97 RSD 1,893

$35.64 Rp 647.8K

-49.58%

Fast Food Meal (McDonalds, etc)

$7.83 RSD 825

$5.53 Rp 100.6K

41.59%

Cappuccino

$1.62 RSD 170

$2.72 Rp 49.4K

-40.44%

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

$1.61 RSD 169

$1.70 Rp 30.9K

-5.29%

Water (0.33 liter bottle)

$1.29 RSD 136

$0.76 Rp 13.8K

69.74%

Local Beer (0.5 liter draught)

$1.85 RSD 195

$2.65 Rp 48.2K

-30.19%

Imported Beer (0.33 liter bottle)

$1.89 RSD 199

$4.38 Rp 79.6K

-56.85%

Milk (1 liter)

$1.41 RSD 148

$1.49 Rp 27.1K

-5.37%

White Bread (500g)

$0.75 RSD 78.9

$2.28 Rp 41.4K

-67.11%

Rice (white) (1kg)

$2.56 RSD 269

$1.19 Rp 21.6K

115.13%

Eggs

$1.82 RSD 191

$2.04 Rp 37.0K

-10.78%

Local Cheese (1kg)

$9.62 RSD 1,014

$17.70 Rp 321.7K

-45.65%

Chicken Fillets (1kg)

$6.60 RSD 695

$3.96 Rp 72.0K

66.67%

Beef Round Steak (1kg)

$15.36 RSD 1,618

$12.19 Rp 221.6K

26.00%

Apples (1kg)

$1.11 RSD 117

$3.66 Rp 66.4K

-69.67%

Banana (1kg)

$1.78 RSD 188

$1.52 Rp 27.6K

17.11%

Oranges (1kg)

$1.90 RSD 200

$2.23 Rp 40.5K

-14.80%

Tomato (1kg)

$3.00 RSD 316

$1.97 Rp 35.9K

52.28%

Potato (1kg)

$0.87 RSD 92.1

$1.85 Rp 33.6K

-52.97%

Onion (1kg)

$0.70 RSD 73.4

$2.42 Rp 44.1K

-71.07%

Lettuce (1 head)

$0.81 RSD 85.1

$0.99 Rp 18.0K

-18.18%

Water (1.5 liter bottle)

$0.73 RSD 77.4

$0.51 Rp 9,332

43.14%

Cigarettes 20 Pack (Marlboro, Camel)

$4.58 RSD 482

$2.22 Rp 40.4K

106.31%

Wine (Bottle)

$8.44 RSD 890

$22.24 Rp 404.2K

-62.05%

Local Beer (0.5 liter bottle)

$0.94 RSD 99.1

$2.26 Rp 41.1K

-58.41%

Imported Beer (0.33 liter bottle)

$1.46 RSD 154

$2.97 Rp 54.0K

-50.84%

One-way Ticket (Public Transport)

$0.90 RSD 95.1

$0.25 Rp 4,562

260.00%

Public Transport Monthly Pass (Regular Price)

$18.78 RSD 1,979

$7.82 Rp 142.2K

140.15%

Taxi Start (Normal Tariff)

$1.16 RSD 123

$0.44 Rp 7,989

163.64%

Taxi (Normal Tariff) (1km)

$1.02 RSD 108

$0.43 Rp 7,817

137.21%

Taxi 1hour Waiting (Normal Tariff)

$17.31 RSD 1,824

$5.41 Rp 98.3K

219.96%

Gasoline (1 liter)

$1.92 RSD 202

$0.82 Rp 15.0K

134.15%

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

$30.2K RSD 3.2M

$23.8K Rp 433.3M

26.70%

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

$23.7K RSD 2.5M

$31.7K Rp 577.0M

-25.25%

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

$203 RSD 21.4K

$79.1 Rp 1.4M

157.18%

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

$24.82 RSD 2,615

$6.45 Rp 117.2K

284.81%

Internet (50+ Mbps, Unlimited Data)

$33.43 RSD 3,522

$18.58 Rp 337.7K

79.92%

Gym Membership (Monthly)

$28.84 RSD 3,039

$49.48 Rp 899.4K

-41.71%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.34 RSD 457

$4.27 Rp 77.7K

1.64%

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

$170 RSD 17.9K

$491 Rp 8.9M

-65.42%

International Primary School, 1 Child (Yearly)

$11.4K RSD 1.2M

$5,674 Rp 103.1M

100.64%

Jeans (Levis 501 Or Similar)

$109 RSD 11.5K

$44.64 Rp 811.4K

144.96%

Summer Dress (H&M, Zara, etc)

$47.91 RSD 5,048

$34.95 Rp 635.3K

37.08%

Sport Shoes (Adidas, Nike)

$85.9 RSD 9,053

$79.9 Rp 1.5M

7.55%

Men's Leather Business Shoes

$152 RSD 16.0K

$79.4 Rp 1.4M

90.81%

1-bedroom Apartment, City Center (Monthly)

$254 RSD 26.8K

$1,125 Rp 20.4M

-77.40%

1-bedroom Apartment, Outside City Center (Monthly)

$192 RSD 20.2K

$671 Rp 12.2M

-71.46%

3-bedroom Apartment, City Center (Monthly)

$361 RSD 38.1K

$3,565 Rp 64.8M

-89.86%

3-bedroom Apartment, Outside City Center (Monthly)

$291 RSD 30.6K

$1,723 Rp 31.3M

-83.13%

Buy Apartment in City Center (m2)

$1,696 RSD 178.7K

$2,732 Rp 49.6M

-37.90%

Buy Apartment Outside City Center (m2)

$1,422 RSD 149.8K

$2,284 Rp 41.5M

-37.76%

Average Monthly Net Salary (After Tax)

$725 RSD 76.4K

$164 Rp 3.0M

342.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.61

13.78

-66.55%

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

Last update for Novi Pazar: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Novi Pazar

$262 25%

Ubud, Bali

$104 7.7% 60.2% $158

Groceries & Markets

Novi Pazar

$226 21.7%

Ubud, Bali

$288 21.4% 27.4% $62

Accommodation & Living

Novi Pazar

$192 18.3%

Ubud, Bali

$672 49.8% 250% $480

Clothing & Footwear

Novi Pazar

$178 17%

Ubud, Bali

$108 8% 39.5% $70

Eating Out

Novi Pazar

$122 11.7%

Ubud, Bali

$108 8% 12% $15

Sport & Entertainment

Novi Pazar

$38 3.6%

Ubud, Bali

$58 4.3% 54.7% $21

Getting Around

Novi Pazar

$29 2.7%

Ubud, Bali

$11 0.9% 60.2% $17

Cost Breakdown

A one-bedroom apartment in the center runs $254 in Novi Pazar and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays about 4.4 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $18 in Novi Pazar vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $226 vs $288 per month, with Novi Pazar cheaper across the board.

Good to know

🇷🇸 Novi Pazar

🇮🇩 Ubud, Bali

🕒 Local time

13:02 1:02 PM

20:02 8:02 PM

7 h ahead of Novi Pazar

🌤 Weather

👥 Population

71,462

74,800

💱 Currency

Serbian Dinar RSD din

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 RSD = 9.49 USD

1,000 RSD = 8.53 EUR

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to RSD – Serbian Dinar Converter

🇺🇸 United States Dollar ($)

🇷🇸 Serbian Dinar (din)

Serbian Dinar exchange rates as of October 28, 2026: 1 USD = 105 RSD (1,000 RSD = 9.49 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

USD to RSD in detail →

On the map

Lowest

Highest

Between locations

Novi Pazar Ubud, Bali 11,040 km ≈ 14 h nonstop flight

From you

Novi Pazar
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

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

Novi Pazar and Ubud, Bali differ by about 29% in total monthly costs ($1,046 vs $1,349 including rent). Novi Pazar is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay in Novi Pazar is about 4.4 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: $254 in Novi Pazar versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 27% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Novi Pazar – a meal for two runs $18 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $2,000 a month, though Novi Pazar gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Novi Pazar 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.