Cost of Living Comparison Between Novi Sad and Ubud, Bali Cost of Living Comparison Between Novi Sad and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,488 in Novi Sad versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $2,233 in Novi Sad versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,978 in Novi Sad versus $3,275 in Ubud, Bali.

Living in Novi Sad is roughly 8% more expensive than in Ubud, Bali, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Novi Sad 8% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$10.41 RSD 1,050

$3.33 Rp 58.7K

212.61%

Three-Course Dinner for Two, Mid-Range

$51.2 RSD 5,160

$35.82 Rp 630.7K

42.94%

Fast Food Meal (McDonalds, etc)

$12.74 RSD 1,284

$5.63 Rp 99.1K

126.29%

Cappuccino

$2.72 RSD 274

$2.82 Rp 49.7K

-3.55%

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

$2.49 RSD 251

$1.75 Rp 30.8K

42.29%

Water (0.33 liter bottle)

$1.91 RSD 193

$0.80 Rp 14.0K

138.75%

Local Beer (0.5 liter draught)

$2.91 RSD 293

$3.04 Rp 53.6K

-4.28%

Imported Beer (0.33 liter bottle)

$4.03 RSD 406

$4.30 Rp 75.7K

-6.28%

Milk (1 liter)

$1.52 RSD 154

$1.61 Rp 28.3K

-5.59%

White Bread (500g)

$1.03 RSD 104

$2.27 Rp 39.9K

-54.63%

Rice (white) (1kg)

$2.86 RSD 288

$1.17 Rp 20.6K

144.44%

Eggs

$2.72 RSD 274

$2.17 Rp 38.2K

25.35%

Local Cheese (1kg)

$13.84 RSD 1,395

$17.63 Rp 310.5K

-21.50%

Chicken Fillets (1kg)

$7.72 RSD 778

$4.05 Rp 71.4K

90.62%

Beef Round Steak (1kg)

$14.47 RSD 1,459

$12.18 Rp 214.5K

18.80%

Apples (1kg)

$1.83 RSD 185

$3.62 Rp 63.7K

-49.45%

Banana (1kg)

$2.02 RSD 204

$1.64 Rp 28.8K

23.17%

Oranges (1kg)

$1.73 RSD 174

$2.31 Rp 40.6K

-25.11%

Tomato (1kg)

$2.66 RSD 268

$1.96 Rp 34.5K

35.71%

Potato (1kg)

$1.04 RSD 105

$1.84 Rp 32.5K

-43.48%

Onion (1kg)

$0.67 RSD 67.2

$2.37 Rp 41.7K

-71.73%

Lettuce (1 head)

$1.04 RSD 105

$1.05 Rp 18.5K

-0.95%

Water (1.5 liter bottle)

$0.70 RSD 70.5

$0.54 Rp 9,560

29.63%

Cigarettes 20 Pack (Marlboro, Camel)

$4.90 RSD 494

$2.30 Rp 40.6K

113.04%

Wine (Bottle)

$7.89 RSD 795

$23.08 Rp 406.4K

-65.81%

Local Beer (0.5 liter bottle)

$0.99 RSD 100.0

$2.34 Rp 41.2K

-57.69%

Imported Beer (0.33 liter bottle)

$2.38 RSD 240

$3.07 Rp 54.0K

-22.48%

One-way Ticket (Public Transport)

$1.01 RSD 102

$0.25 Rp 4,365

304.00%

Public Transport Monthly Pass (Regular Price)

$25.88 RSD 2,608

$9.42 Rp 165.9K

174.73%

Taxi Start (Normal Tariff)

$2.41 RSD 243

$0.49 Rp 8,631

391.84%

Taxi (Normal Tariff) (1km)

$0.91 RSD 91.8

$0.47 Rp 8,349

93.62%

Taxi 1hour Waiting (Normal Tariff)

$10.77 RSD 1,085

$5.60 Rp 98.6K

92.32%

Gasoline (1 liter)

$1.87 RSD 189

$0.81 Rp 14.2K

130.86%

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

$31.4K RSD 3.2M

$25.0K Rp 440.3M

25.38%

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

$26.5K RSD 2.7M

$31.1K Rp 547.0M

-14.80%

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

$246 RSD 24.8K

$82.7 Rp 1.5M

197.49%

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

$21.16 RSD 2,133

$6.49 Rp 114.2K

226.04%

Internet (50+ Mbps, Unlimited Data)

$35.51 RSD 3,579

$18.79 Rp 330.8K

88.98%

Gym Membership (Monthly)

$38.45 RSD 3,876

$55.2 Rp 972.6K

-30.39%

Tennis Court (1 Hour on Weekend)

$11.54 RSD 1,164

$18.21 Rp 320.6K

-36.63%

Cinema Ticket

$7.51 RSD 757

$4.30 Rp 75.7K

74.65%

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

$389 RSD 39.2K

$494 Rp 8.7M

-21.24%

International Primary School, 1 Child (Yearly)

$7,743 RSD 780.4K

$5,917 Rp 104.2M

30.86%

Jeans (Levis 501 Or Similar)

$122 RSD 12.3K

$46.28 Rp 814.8K

163.16%

Summer Dress (H&M, Zara, etc)

$46.04 RSD 4,640

$36.44 Rp 641.6K

26.34%

Sport Shoes (Adidas, Nike)

$145 RSD 14.6K

$80.7 Rp 1.4M

79.52%

Men's Leather Business Shoes

$141 RSD 14.2K

$78.8 Rp 1.4M

78.85%

1-bedroom Apartment, City Center (Monthly)

$514 RSD 51.8K

$1,114 Rp 19.6M

-53.85%

1-bedroom Apartment, Outside City Center (Monthly)

$412 RSD 41.5K

$693 Rp 12.2M

-40.54%

3-bedroom Apartment, City Center (Monthly)

$997 RSD 100.5K

$3,639 Rp 64.1M

-72.60%

3-bedroom Apartment, Outside City Center (Monthly)

$802 RSD 80.8K

$1,712 Rp 30.1M

-53.15%

Buy Apartment in City Center (m2)

$3,714 RSD 374.3K

$2,761 Rp 48.6M

34.54%

Buy Apartment Outside City Center (m2)

$2,706 RSD 272.8K

$2,293 Rp 40.4M

18.05%

Average Monthly Net Salary (After Tax)

$1,265 RSD 127.4K

$167 Rp 2.9M

656.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.23

13.78

-62.05%

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

Last update for Novi Sad: September 6, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $514 in Novi Sad and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Novi Sad pays 657% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $51.0 in Novi Sad vs $36.00 in Ubud, Bali. Groceries flip the comparison at $255 vs $294, with Novi Sad cheaper for home cooking.

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 cheaper overall, especially in Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 8% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 657% higher in Novi Sad, 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: $514 in Novi Sad versus $1,114 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 $36.00 versus $51.0 in Novi Sad. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,488 per month in Novi Sad versus $1,378 in Ubud, Bali – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,378 in Ubud, Bali versus $1,488 in Novi Sad, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Novi Sad. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Novi Sad, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Novi Sad 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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 8% less than in Novi Sad. Beyond cost, consider language, visa policies, and how big the international community is in each city.