Last update: Oct 2026

Cost of Living Comparison Between Podgorica and Ubud, Bali

For one person, living costs are similar in Podgorica and in Ubud, Bali: $1,328 and $1,368 a month, rent and utilities included.

65

Cost of Living Index in Podgorica
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Podgorica Living Index
67

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

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Podgorica

🇲🇪 Montenegro

$1,328

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $1,328 per month in Podgorica vs $1,368 in Ubud, Bali, rent included.

Podgorica $1,328
Ubud, Bali $1,368

A couple spends around $2,094 per month in Podgorica vs $2,314 in Ubud, Bali, rent included.

Podgorica $2,094
Ubud, Bali $2,314

A family of three spends $2,860 per month in Podgorica vs $3,260 in Ubud, Bali, rent included.

Podgorica $2,860
Ubud, Bali $3,260

Podgorica is about 3% cheaper than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Podgorica sits 2% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.37 €10.12

$3.33 Rp 59.9K

241.44%

Three-Course Dinner for Two, Mid-Range

$44.91 €39.95

$35.18 Rp 633.2K

27.66%

Fast Food Meal (McDonalds, etc)

$10.41 €9.26

$5.80 Rp 104.5K

79.48%

Cappuccino

$2.23 €1.98

$2.73 Rp 49.1K

-18.32%

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

$2.57 €2.29

$1.64 Rp 29.5K

56.71%

Water (0.33 liter bottle)

$1.41 €1.25

$0.83 Rp 15.0K

69.88%

Local Beer (0.5 liter draught)

$3.14 €2.79

$2.70 Rp 48.6K

16.30%

Imported Beer (0.33 liter bottle)

$3.39 €3.02

$4.30 Rp 77.4K

-21.16%

Milk (1 liter)

$1.31 €1.16

$1.50 Rp 27.1K

-12.67%

White Bread (500g)

$0.93 €0.83

$2.30 Rp 41.4K

-59.57%

Rice (white) (1kg)

$1.98 €1.76

$1.18 Rp 21.2K

67.80%

Eggs

$3.53 €3.14

$2.14 Rp 38.6K

64.95%

Local Cheese (1kg)

$8.84 €7.86

$17.48 Rp 314.6K

-49.43%

Chicken Fillets (1kg)

$8.09 €7.19

$4.03 Rp 72.5K

100.74%

Beef Round Steak (1kg)

$11.95 €10.63

$12.23 Rp 220.1K

-2.29%

Apples (1kg)

$1.56 €1.39

$3.55 Rp 63.9K

-56.06%

Banana (1kg)

$1.63 €1.45

$1.57 Rp 28.3K

3.82%

Oranges (1kg)

$1.78 €1.59

$2.24 Rp 40.2K

-20.54%

Tomato (1kg)

$2.38 €2.11

$1.93 Rp 34.7K

23.32%

Potato (1kg)

$0.95 €0.84

$1.88 Rp 33.9K

-49.47%

Onion (1kg)

$1.02 €0.90

$2.29 Rp 41.3K

-55.46%

Lettuce (1 head)

$1.45 €1.29

$0.99 Rp 17.9K

46.46%

Water (1.5 liter bottle)

$0.78 €0.69

$0.53 Rp 9,475

47.17%

Cigarettes 20 Pack (Marlboro, Camel)

$4.26 €3.79

$2.28 Rp 41.1K

86.84%

Wine (Bottle)

$5.72 €5.08

$23.01 Rp 414.2K

-75.14%

Local Beer (0.5 liter bottle)

$1.08 €0.96

$2.34 Rp 42.2K

-53.85%

Imported Beer (0.33 liter bottle)

$1.69 €1.51

$2.91 Rp 52.4K

-41.92%

One-way Ticket (Public Transport)

$1.01 €0.90

$0.24 Rp 4,315

320.83%

Public Transport Monthly Pass (Regular Price)

$33.57 €29.86

$8.82 Rp 158.7K

280.61%

Taxi Start (Normal Tariff)

$0.77 €0.68

$0.48 Rp 8,684

60.42%

Taxi (Normal Tariff) (1km)

$0.76 €0.67

$0.46 Rp 8,233

65.22%

Taxi 1hour Waiting (Normal Tariff)

$11.32 €10.07

$5.45 Rp 98.2K

107.71%

Gasoline (1 liter)

$1.86 €1.66

$0.88 Rp 15.9K

111.36%

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

$30.9K €27.5K

$24.6K Rp 442.2M

25.68%

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

$25.9K €23.0K

$31.2K Rp 561.4M

-17.06%

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

$126 €112

$83.0 Rp 1.5M

51.83%

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

$18.89 €16.80

$6.45 Rp 116.0K

192.87%

Internet (50+ Mbps, Unlimited Data)

$31.22 €27.77

$18.57 Rp 334.2K

68.12%

Gym Membership (Monthly)

$48.05 €42.74

$55.8 Rp 1.0M

-13.92%

Tennis Court (1 Hour on Weekend)

$13.53 €12.03

$18.11 Rp 326.0K

-25.29%

Cinema Ticket

$6.34 €5.64

$4.38 Rp 78.9K

44.75%

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

$335 €298

$493 Rp 8.9M

-31.98%

International Primary School, 1 Child (Yearly)

$7,336 €6,525

$5,754 Rp 103.6M

27.50%

Jeans (Levis 501 Or Similar)

$86.8 €77.2

$46.19 Rp 831.4K

87.96%

Summer Dress (H&M, Zara, etc)

$46.78 €41.61

$35.33 Rp 636.0K

32.41%

Sport Shoes (Adidas, Nike)

$98.4 €87.5

$79.1 Rp 1.4M

24.42%

Men's Leather Business Shoes

$107 €95.0

$78.4 Rp 1.4M

36.22%

1-bedroom Apartment, City Center (Monthly)

$647 €576

$1,142 Rp 20.6M

-43.34%

1-bedroom Apartment, Outside City Center (Monthly)

$485 €431

$676 Rp 12.2M

-28.21%

3-bedroom Apartment, City Center (Monthly)

$1,317 €1,172

$3,503 Rp 63.1M

-62.40%

3-bedroom Apartment, Outside City Center (Monthly)

$979 €871

$1,700 Rp 30.6M

-42.41%

Buy Apartment in City Center (m2)

$2,975 €2,646

$2,784 Rp 50.1M

6.87%

Buy Apartment Outside City Center (m2)

$2,252 €2,003

$2,241 Rp 40.3M

0.53%

Average Monthly Net Salary (After Tax)

$1,162 €1,034

$165 Rp 3.0M

606.19%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.22

13.78

-62.12%

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

Last update for Podgorica: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Podgorica

$485 36.5%

Ubud, Bali

$676 49.4% 39.3% $191

Groceries & Markets

Podgorica

$224 16.9%

Ubud, Bali

$290 21.2% 29.6% $66

Eating Out

Podgorica

$187 14.1%

Ubud, Bali

$109 8% 41.9% $79

Monthly Utilities & Internet

Podgorica

$176 13.3%

Ubud, Bali

$108 7.9% 38.7% $68

Clothing & Footwear

Podgorica

$152 11.5%

Ubud, Bali

$108 7.9% 29.5% $45

Sport & Entertainment

Podgorica

$61 4.6%

Ubud, Bali

$65 4.7% 6.3% $3.9

Getting Around

Podgorica

$42 3.2%

Ubud, Bali

$13 0.9% 70.2% $30

Cost Breakdown

A central one-bedroom costs $647 in Podgorica versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 606% higher in Podgorica, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $45.00 in Podgorica versus $35.00 in Ubud, Bali. Groceries tell a different story – $224 in Podgorica vs $290 in Ubud, Bali – so Podgorica wins on supermarket bills even if dining out costs more.

Good to know

🇲🇪 Podgorica

🇮🇩 Ubud, Bali

🕒 Local time

13:29 1:29 PM

19:29 7:29 PM

6 h ahead of Podgorica

🌤 Weather

👥 Population

150,799 Capital

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.56 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 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Podgorica Ubud, Bali 11,140 km ≈ 14 h nonstop flight

From you

Podgorica
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

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

Monthly costs with rent: $1,328 in Podgorica, $1,368 in Ubud, Bali – roughly 3% apart. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,992 per month in Podgorica and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Podgorica, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $335 per month in Podgorica and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 30% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Podgorica, where all-in costs run around $1,328, than in Ubud, Bali at $1,368. In Podgorica it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,328 in Podgorica to $1,368 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Podgorica. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.