Last update: Oct 2026

Cost of Living Comparison Between Osijek and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,437 in Osijek, rent and utilities included – about $1,100 less a year. The total is higher in Osijek despite lower rent and utilities.

69

Cost of Living Index in Osijek
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Osijek Living Index
65

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

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Osijek

🇭🇷 Croatia

$1,437

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,437 in Osijek versus $1,349 in Ubud, Bali.

Osijek $1,437
Ubud, Bali $1,349

Estimated couple costs with rent: $2,217 in Osijek versus $2,305 in Ubud, Bali.

Osijek $2,217
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,998 in Osijek versus $3,261 in Ubud, Bali.

Osijek $2,998
Ubud, Bali $3,261

Living in Osijek is roughly 7% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$11.21 €10.07

$3.32 Rp 60.4K

237.65%

Three-Course Dinner for Two, Mid-Range

$56.3 €50.5

$35.64 Rp 647.8K

57.86%

Fast Food Meal (McDonalds, etc)

$9.05 €8.13

$5.53 Rp 100.6K

63.65%

Cappuccino

$2.67 €2.40

$2.72 Rp 49.4K

-1.84%

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

$3.40 €3.06

$1.70 Rp 30.9K

100.00%

Water (0.33 liter bottle)

$2.87 €2.57

$0.76 Rp 13.8K

277.63%

Local Beer (0.5 liter draught)

$5.53 €4.97

$2.65 Rp 48.2K

108.68%

Imported Beer (0.33 liter bottle)

$5.50 €4.94

$4.38 Rp 79.6K

25.57%

Milk (1 liter)

$1.14 €1.02

$1.49 Rp 27.1K

-23.49%

White Bread (500g)

$1.48 €1.33

$2.28 Rp 41.4K

-35.09%

Rice (white) (1kg)

$2.78 €2.50

$1.19 Rp 21.6K

133.61%

Eggs

$3.46 €3.11

$2.04 Rp 37.0K

69.61%

Local Cheese (1kg)

$11.63 €10.45

$17.70 Rp 321.7K

-34.29%

Chicken Fillets (1kg)

$8.66 €7.78

$3.96 Rp 72.0K

118.69%

Beef Round Steak (1kg)

$11.54 €10.36

$12.19 Rp 221.6K

-5.33%

Apples (1kg)

$1.73 €1.56

$3.66 Rp 66.4K

-52.73%

Banana (1kg)

$1.64 €1.47

$1.52 Rp 27.6K

7.89%

Oranges (1kg)

$1.82 €1.64

$2.23 Rp 40.5K

-18.39%

Tomato (1kg)

$2.62 €2.36

$1.97 Rp 35.9K

32.99%

Potato (1kg)

$1.32 €1.19

$1.85 Rp 33.6K

-28.65%

Onion (1kg)

$1.17 €1.05

$2.42 Rp 44.1K

-51.65%

Lettuce (1 head)

$1.18 €1.06

$0.99 Rp 18.0K

19.19%

Water (1.5 liter bottle)

$1.18 €1.06

$0.51 Rp 9,332

131.37%

Cigarettes 20 Pack (Marlboro, Camel)

$5.95 €5.35

$2.22 Rp 40.4K

168.02%

Wine (Bottle)

$8.38 €7.53

$22.24 Rp 404.2K

-62.32%

Local Beer (0.5 liter bottle)

$1.61 €1.44

$2.26 Rp 41.1K

-28.76%

Imported Beer (0.33 liter bottle)

$2.01 €1.80

$2.97 Rp 54.0K

-32.32%

One-way Ticket (Public Transport)

$1.74 €1.56

$0.25 Rp 4,562

596.00%

Public Transport Monthly Pass (Regular Price)

$37.15 €33.37

$7.82 Rp 142.2K

375.06%

Taxi Start (Normal Tariff)

$2.19 €1.97

$0.44 Rp 7,989

397.73%

Taxi (Normal Tariff) (1km)

$1.09 €0.98

$0.43 Rp 7,817

153.49%

Taxi 1hour Waiting (Normal Tariff)

$14.79 €13.28

$5.41 Rp 98.3K

173.38%

Gasoline (1 liter)

$1.89 €1.70

$0.82 Rp 15.0K

130.49%

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

$27.3K €24.5K

$23.8K Rp 433.3M

14.62%

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

$24.9K €22.3K

$31.7K Rp 577.0M

-21.71%

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

$193 €174

$79.1 Rp 1.4M

144.52%

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

$21.77 €19.56

$6.45 Rp 117.2K

237.52%

Internet (50+ Mbps, Unlimited Data)

$44.37 €39.85

$18.58 Rp 337.7K

138.81%

Gym Membership (Monthly)

$43.77 €39.32

$49.48 Rp 899.4K

-11.54%

Tennis Court (1 Hour on Weekend)

$8.78 €7.88

$17.65 Rp 320.8K

-50.25%

Cinema Ticket

$9.90 €8.89

$4.27 Rp 77.7K

131.85%

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

$414 €372

$491 Rp 8.9M

-15.65%

International Primary School, 1 Child (Yearly)

$4,095 €3,679

$5,674 Rp 103.1M

-27.82%

Jeans (Levis 501 Or Similar)

$104 €93.2

$44.64 Rp 811.4K

132.30%

Summer Dress (H&M, Zara, etc)

$38.98 €35.01

$34.95 Rp 635.3K

11.53%

Sport Shoes (Adidas, Nike)

$97.7 €87.8

$79.9 Rp 1.5M

22.30%

Men's Leather Business Shoes

$109 €98.4

$79.4 Rp 1.4M

37.85%

1-bedroom Apartment, City Center (Monthly)

$652 €585

$1,125 Rp 20.4M

-42.06%

1-bedroom Apartment, Outside City Center (Monthly)

$435 €391

$671 Rp 12.2M

-35.23%

3-bedroom Apartment, City Center (Monthly)

$1,189 €1,068

$3,565 Rp 64.8M

-66.64%

3-bedroom Apartment, Outside City Center (Monthly)

$835 €750

$1,723 Rp 31.3M

-51.55%

Buy Apartment in City Center (m2)

$2,761 €2,480

$2,732 Rp 49.6M

1.08%

Buy Apartment Outside City Center (m2)

$2,173 €1,952

$2,284 Rp 41.5M

-4.86%

Average Monthly Net Salary (After Tax)

$1,343 €1,206

$164 Rp 3.0M

719.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.67

13.78

-73.37%

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

Last update for Osijek: 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

Osijek

$435 30.3%

Ubud, Bali

$672 49.8% 54.4% $237

Monthly Utilities & Internet

Osijek

$259 18.1%

Ubud, Bali

$104 7.7% 59.9% $155

Groceries & Markets

Osijek

$257 17.9%

Ubud, Bali

$288 21.4% 12.3% $31

Eating Out

Osijek

$213 14.8%

Ubud, Bali

$108 8% 49.4% $105

Clothing & Footwear

Osijek

$157 11%

Ubud, Bali

$108 8% 31.7% $50

Sport & Entertainment

Osijek

$64 4.4%

Ubud, Bali

$58 4.3% 8.7% $5.5

Getting Around

Osijek

$52 3.6%

Ubud, Bali

$11 0.9% 77.9% $40

Cost Breakdown

A one-bedroom apartment in the center runs $652 in Osijek and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Osijek pays about 8.2 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $56 in Osijek vs $36 in Ubud, Bali. Groceries flip the comparison at $257 vs $288, with Osijek cheaper for home cooking.

Good to know

🇭🇷 Osijek

🇮🇩 Ubud, Bali

🕒 Local time

21:36 9:36 PM

04:36 4:36 AM

7 h ahead of Osijek

🌤 Weather

👥 Population

75,535

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.5 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 October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

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 EUR in detail →

On the map

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Between locations

Osijek Ubud, Bali 11,190 km ≈ 14 h nonstop flight

From you

Osijek
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

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

Ubud, Bali is about 6% cheaper overall, especially in eating out, clothing, and utilities. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Osijek is about 8.2 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: $652 in Osijek versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Osijek pay roughly 11% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $56 in Osijek. If you eat out regularly, this makes a real dent in your monthly spending.

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, Osijek 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, Osijek on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.