Last update: Oct 2026

Cost of Living Comparison Between Novi Sad and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,393 in Novi Sad, rent and utilities included – about $530 less a year. The total is higher in Novi Sad despite lower rent and utilities.

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Cost of Living Index in Novi Sad
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Novi Sad Living Index
65

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

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Novi Sad

🇷🇸 Serbia

$1,393

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,393 in Novi Sad versus $1,349 in Ubud, Bali.

Novi Sad $1,393
Ubud, Bali $1,349

Estimated couple costs with rent: $2,154 in Novi Sad versus $2,305 in Ubud, Bali.

Novi Sad $2,154
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,915 in Novi Sad versus $3,261 in Ubud, Bali.

Novi Sad $2,915
Ubud, Bali $3,261

Living in Novi Sad is roughly 3% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in clothing.

Meal at Budget Restaurant

$10.11 RSD 1,059

$3.32 Rp 60.2K

204.52%

Three-Course Dinner for Two, Mid-Range

$50.2 RSD 5,255

$35.64 Rp 645.8K

40.77%

Fast Food Meal (McDonalds, etc)

$12.06 RSD 1,263

$5.53 Rp 100.3K

118.08%

Cappuccino

$2.65 RSD 278

$2.72 Rp 49.3K

-2.57%

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

$2.37 RSD 248

$1.70 Rp 30.8K

39.41%

Water (0.33 liter bottle)

$1.82 RSD 191

$0.76 Rp 13.8K

139.47%

Local Beer (0.5 liter draught)

$2.93 RSD 307

$2.65 Rp 48.1K

10.57%

Imported Beer (0.33 liter bottle)

$3.72 RSD 390

$4.38 Rp 79.4K

-15.07%

Milk (1 liter)

$1.39 RSD 146

$1.49 Rp 27.0K

-6.71%

White Bread (500g)

$0.93 RSD 97.5

$2.28 Rp 41.2K

-59.21%

Rice (white) (1kg)

$2.65 RSD 278

$1.19 Rp 21.6K

122.69%

Eggs

$2.67 RSD 280

$2.04 Rp 36.9K

30.88%

Local Cheese (1kg)

$13.46 RSD 1,410

$17.70 Rp 320.8K

-23.95%

Chicken Fillets (1kg)

$7.21 RSD 756

$3.96 Rp 71.8K

82.07%

Beef Round Steak (1kg)

$14.06 RSD 1,473

$12.19 Rp 220.9K

15.34%

Apples (1kg)

$1.76 RSD 184

$3.66 Rp 66.2K

-51.91%

Banana (1kg)

$1.90 RSD 199

$1.52 Rp 27.5K

25.00%

Oranges (1kg)

$1.66 RSD 174

$2.23 Rp 40.4K

-25.56%

Tomato (1kg)

$2.54 RSD 266

$1.97 Rp 35.7K

28.93%

Potato (1kg)

$1.00 RSD 104

$1.85 Rp 33.5K

-45.95%

Onion (1kg)

$0.69 RSD 72.5

$2.42 Rp 43.9K

-71.49%

Lettuce (1 head)

$0.95 RSD 99.5

$0.99 Rp 17.9K

-4.04%

Water (1.5 liter bottle)

$0.68 RSD 71.5

$0.51 Rp 9,303

33.33%

Cigarettes 20 Pack (Marlboro, Camel)

$4.69 RSD 492

$2.22 Rp 40.3K

111.26%

Wine (Bottle)

$7.79 RSD 816

$22.24 Rp 403.0K

-64.97%

Local Beer (0.5 liter bottle)

$0.87 RSD 90.9

$2.26 Rp 41.0K

-61.50%

Imported Beer (0.33 liter bottle)

$2.30 RSD 241

$2.97 Rp 53.8K

-22.56%

One-way Ticket (Public Transport)

$0.94 RSD 98.4

$0.25 Rp 4,548

276.00%

Public Transport Monthly Pass (Regular Price)

$24.22 RSD 2,537

$7.82 Rp 141.8K

209.72%

Taxi Start (Normal Tariff)

$2.31 RSD 242

$0.44 Rp 7,964

425.00%

Taxi (Normal Tariff) (1km)

$0.92 RSD 96.2

$0.43 Rp 7,793

113.95%

Taxi 1hour Waiting (Normal Tariff)

$10.42 RSD 1,092

$5.41 Rp 98.0K

92.61%

Gasoline (1 liter)

$1.81 RSD 190

$0.82 Rp 14.9K

120.73%

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

$30.1K RSD 3.2M

$23.8K Rp 432.0M

26.34%

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

$23.8K RSD 2.5M

$31.7K Rp 575.3M

-25.19%

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

$224 RSD 23.5K

$79.1 Rp 1.4M

183.67%

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

$20.29 RSD 2,125

$6.45 Rp 116.8K

214.57%

Internet (50+ Mbps, Unlimited Data)

$33.84 RSD 3,544

$18.58 Rp 336.7K

82.13%

Gym Membership (Monthly)

$34.97 RSD 3,663

$49.48 Rp 896.7K

-29.32%

Tennis Court (1 Hour on Weekend)

$11.12 RSD 1,165

$17.65 Rp 319.8K

-37.00%

Cinema Ticket

$6.88 RSD 721

$4.27 Rp 77.4K

61.12%

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

$364 RSD 38.1K

$491 Rp 8.9M

-25.76%

International Primary School, 1 Child (Yearly)

$7,540 RSD 789.7K

$5,674 Rp 102.8M

32.88%

Jeans (Levis 501 Or Similar)

$117 RSD 12.3K

$44.64 Rp 808.9K

162.34%

Summer Dress (H&M, Zara, etc)

$44.36 RSD 4,647

$34.95 Rp 633.4K

26.92%

Sport Shoes (Adidas, Nike)

$135 RSD 14.1K

$79.9 Rp 1.4M

68.97%

Men's Leather Business Shoes

$124 RSD 13.0K

$79.4 Rp 1.4M

56.47%

1-bedroom Apartment, City Center (Monthly)

$509 RSD 53.3K

$1,125 Rp 20.4M

-54.79%

1-bedroom Apartment, Outside City Center (Monthly)

$411 RSD 43.0K

$671 Rp 12.2M

-38.82%

3-bedroom Apartment, City Center (Monthly)

$1,034 RSD 108.3K

$3,565 Rp 64.6M

-71.00%

3-bedroom Apartment, Outside City Center (Monthly)

$824 RSD 86.3K

$1,723 Rp 31.2M

-52.18%

Buy Apartment in City Center (m2)

$3,595 RSD 376.5K

$2,732 Rp 49.5M

31.61%

Buy Apartment Outside City Center (m2)

$2,621 RSD 274.6K

$2,284 Rp 41.4M

14.77%

Average Monthly Net Salary (After Tax)

$1,230 RSD 128.9K

$164 Rp 3.0M

650.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.17

13.78

-62.48%

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

Last update for Novi Sad: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Novi Sad

$411 29.5%

Ubud, Bali

$672 49.8% 63.5% $261

Monthly Utilities & Internet

Novi Sad

$278 20%

Ubud, Bali

$104 7.7% 62.6% $174

Groceries & Markets

Novi Sad

$244 17.5%

Ubud, Bali

$288 21.4% 18.5% $45

Clothing & Footwear

Novi Sad

$189 13.6%

Ubud, Bali

$108 8% 43.2% $82

Eating Out

Novi Sad

$188 13.5%

Ubud, Bali

$108 8% 42.6% $80

Sport & Entertainment

Novi Sad

$49 3.5%

Ubud, Bali

$58 4.3% 19.1% $9.3

Getting Around

Novi Sad

$35 2.5%

Ubud, Bali

$11 0.9% 67.2% $23

Cost Breakdown

A one-bedroom apartment in the center runs $509 in Novi Sad and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Novi Sad pays about 7.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $50 in Novi Sad vs $36 in Ubud, Bali. Groceries flip the comparison at $244 vs $288, with Novi Sad cheaper for home cooking.

Good to know

🇷🇸 Novi Sad

🇮🇩 Ubud, Bali

🕒 Local time

10:25 10:25 AM

17:25 5:25 PM

7 h ahead of Novi Sad

🌤 Weather

👥 Population

260,438

74,800

💱 Currency

Serbian Dinar RSD din

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 RSD = 9.55 USD

1,000 RSD = 8.55 EUR

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 105 RSD (1,000 RSD = 9.55 USD). 1 EUR = 117 RSD (1,000 RSD = 8.55 EUR).

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 RSD in detail →

On the map

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Highest

Between locations

Novi Sad Ubud, Bali 11,100 km ≈ 14 h nonstop flight

From you

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

Ubud, Bali is about 3% cheaper overall, especially in clothing, eating out, and utilities. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Novi Sad is about 7.5 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: $509 in Novi Sad versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $50 in Novi Sad. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,393 per month in Novi Sad versus $1,349 in Ubud, Bali – Ubud, Bali is about 3% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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

It comes down to priorities – Ubud, Bali wins on affordability, Novi Sad on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.