Cost of Living Comparison Between Podgorica and Ubud, Bali Cost of Living Comparison Between Podgorica and Ubud, Bali

Monthly Cost of Living

A single person spends $1,380 per month in Podgorica vs $1,396 in Ubud, Bali, rent included.

A couple spends around $2,149 per month in Podgorica vs $2,334 in Ubud, Bali, rent included.

A family of three spends $2,917 per month in Podgorica vs $3,273 in Ubud, Bali, rent included.

Podgorica is about 1% cheaper than Ubud, Bali, driven mainly by Eating Out.

Both Podgorica and Ubud, Bali sit above the global median – Podgorica by 0%, Ubud, Bali by 2%.

Meal at Budget Restaurant

$11.47 €9.90

$3.37 Rp 59.9K

240.36%

Three-Course Dinner for Two, Mid-Range

$46.41 €40.05

$38.59 Rp 685.5K

20.26%

Fast Food Meal (McDonalds, etc)

$10.27 €8.86

$5.52 Rp 98.1K

86.05%

Cappuccino

$2.31 €1.99

$2.64 Rp 47.0K

-12.50%

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

$2.63 €2.27

$1.67 Rp 29.7K

57.49%

Water (0.33 liter bottle)

$1.44 €1.25

$0.77 Rp 13.7K

87.01%

Local Beer (0.5 liter draught)

$3.14 €2.71

$2.63 Rp 46.8K

19.39%

Imported Beer (0.33 liter bottle)

$3.55 €3.06

$4.28 Rp 76.1K

-17.06%

Milk (1 liter)

$1.43 €1.23

$1.55 Rp 27.5K

-7.74%

White Bread (500g)

$1.01 €0.87

$2.22 Rp 39.5K

-54.50%

Rice (white) (1kg)

$2.05 €1.77

$1.13 Rp 20.0K

81.42%

Eggs

$3.53 €3.05

$2.09 Rp 37.1K

68.90%

Local Cheese (1kg)

$8.99 €7.76

$17.39 Rp 309.0K

-48.30%

Chicken Fillets (1kg)

$8.60 €7.42

$3.87 Rp 68.7K

122.22%

Beef Round Steak (1kg)

$12.81 €11.05

$12.55 Rp 222.9K

2.07%

Apples (1kg)

$1.69 €1.46

$3.62 Rp 64.2K

-53.31%

Banana (1kg)

$1.84 €1.59

$1.56 Rp 27.7K

17.95%

Oranges (1kg)

$1.96 €1.69

$2.35 Rp 41.8K

-16.60%

Tomato (1kg)

$2.41 €2.08

$2.06 Rp 36.5K

16.99%

Potato (1kg)

$0.99 €0.85

$1.90 Rp 33.7K

-47.89%

Onion (1kg)

$1.07 €0.92

$2.34 Rp 41.5K

-54.27%

Lettuce (1 head)

$1.74 €1.50

$1.03 Rp 18.3K

68.93%

Water (1.5 liter bottle)

$0.80 €0.69

$0.55 Rp 9,854

45.45%

Cigarettes 20 Pack (Marlboro, Camel)

$4.49 €3.88

$2.25 Rp 40.0K

99.56%

Wine (Bottle)

$5.90 €5.09

$23.81 Rp 422.9K

-75.22%

Local Beer (0.5 liter bottle)

$1.07 €0.92

$2.31 Rp 41.1K

-53.68%

Imported Beer (0.33 liter bottle)

$1.88 €1.62

$2.80 Rp 49.8K

-32.86%

One-way Ticket (Public Transport)

$1.07 €0.92

$0.27 Rp 4,839

296.30%

Public Transport Monthly Pass (Regular Price)

$34.82 €30.05

$8.66 Rp 153.9K

302.08%

Taxi Start (Normal Tariff)

$0.82 €0.71

$0.48 Rp 8,554

70.83%

Taxi (Normal Tariff) (1km)

$0.85 €0.73

$0.45 Rp 7,924

88.89%

Taxi 1hour Waiting (Normal Tariff)

$11.51 €9.93

$5.72 Rp 101.6K

101.22%

Gasoline (1 liter)

$1.86 €1.60

$0.76 Rp 13.5K

144.74%

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

$32.3K €27.8K

$24.5K Rp 434.9M

31.81%

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

$28.1K €24.2K

$32.1K Rp 570.6M

-12.64%

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

$127 €109

$83.6 Rp 1.5M

51.44%

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

$20.04 €17.29

$6.46 Rp 114.7K

210.22%

Internet (50+ Mbps, Unlimited Data)

$35.01 €30.21

$18.99 Rp 337.4K

84.36%

Gym Membership (Monthly)

$46.66 €40.27

$56.0 Rp 994.4K

-16.63%

Tennis Court (1 Hour on Weekend)

$13.52 €11.67

$18.62 Rp 330.7K

-27.39%

Cinema Ticket

$6.86 €5.92

$4.28 Rp 76.1K

60.28%

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

$375 €324

$487 Rp 8.6M

-22.89%

International Primary School, 1 Child (Yearly)

$7,659 €6,609

$5,856 Rp 104.0M

30.80%

Jeans (Levis 501 Or Similar)

$91.1 €78.6

$45.56 Rp 809.3K

99.87%

Summer Dress (H&M, Zara, etc)

$48.43 €41.79

$36.38 Rp 646.3K

33.12%

Sport Shoes (Adidas, Nike)

$99.5 €85.9

$82.0 Rp 1.5M

21.43%

Men's Leather Business Shoes

$114 €98.6

$80.4 Rp 1.4M

42.09%

1-bedroom Apartment, City Center (Monthly)

$658 €568

$1,117 Rp 19.8M

-41.05%

1-bedroom Apartment, Outside City Center (Monthly)

$523 €451

$701 Rp 12.5M

-25.45%

3-bedroom Apartment, City Center (Monthly)

$1,379 €1,190

$3,537 Rp 62.8M

-61.02%

3-bedroom Apartment, Outside City Center (Monthly)

$1,000 €863

$1,762 Rp 31.3M

-43.25%

Buy Apartment in City Center (m2)

$3,132 €2,702

$2,826 Rp 50.2M

10.81%

Buy Apartment Outside City Center (m2)

$2,342 €2,021

$2,292 Rp 40.7M

2.17%

Average Monthly Net Salary (After Tax)

$1,187 €1,025

$170 Rp 3.0M

599.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.31

13.78

-61.47%

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

Last update for Podgorica: August 29, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $658 in Podgorica versus $1,117 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 599% 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 $46.00 in Podgorica versus $39.00 in Ubud, Bali. Groceries tell a different story – $237 in Podgorica vs $293 in Ubud, Bali – so Podgorica wins on supermarket bills even if dining out costs more.

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: $1,380 in Podgorica, $1,396 in Ubud, Bali – roughly 1% apart. Ubud, Bali costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,070 per month in Podgorica and $2,095 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 $375 per month in Podgorica and $487 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 23% 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 $1,380, than in Ubud, Bali at $1,396. 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 $1,380 in Podgorica to $1,396 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.