Cost of Living Comparison Between Ubud, Bali and Banja Luka Cost of Living Comparison Between Ubud, Bali and Banja Luka

Monthly Cost of Living

A single person spends $1,368 per month in Ubud, Bali vs $1,266 in Banja Luka, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $1,923 in Banja Luka, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $2,579 in Banja Luka, rent included.

Ubud, Bali costs about 8% more than Banja Luka, driven mainly by Clothing & Footwear.

Ubud, Bali sits 0% above the global median, while Banja Luka is 7% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$10.16 BAM 17.33

-66.14%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$51.1 BAM 87.1

-28.92%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$11.16 BAM 19.03

-48.84%

Cappuccino

$2.67 Rp 47.3K

$1.84 BAM 3.15

45.11%

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

$1.75 Rp 31.0K

$2.59 BAM 4.41

-32.43%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$1.72 BAM 2.92

-49.42%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$2.53 BAM 4.32

16.60%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.60 BAM 6.13

25.56%

Milk (1 liter)

$1.62 Rp 28.7K

$1.42 BAM 2.41

14.08%

White Bread (500g)

$2.33 Rp 41.3K

$1.25 BAM 2.14

86.40%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.63 BAM 2.78

-31.90%

Eggs

$2.20 Rp 39.0K

$2.97 BAM 5.07

-25.93%

Local Cheese (1kg)

$17.69 Rp 313.3K

$9.71 BAM 16.56

82.18%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$8.74 BAM 14.90

-53.09%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$14.61 BAM 24.91

-16.63%

Apples (1kg)

$3.71 Rp 65.6K

$1.93 BAM 3.28

92.23%

Banana (1kg)

$1.59 Rp 28.1K

$2.04 BAM 3.47

-22.06%

Oranges (1kg)

$2.28 Rp 40.4K

$2.30 BAM 3.93

-0.87%

Tomato (1kg)

$1.95 Rp 34.6K

$2.19 BAM 3.73

-10.96%

Potato (1kg)

$1.91 Rp 33.7K

$1.07 BAM 1.82

78.50%

Onion (1kg)

$2.33 Rp 41.3K

$1.46 BAM 2.49

59.59%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.21 BAM 2.06

-16.53%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.87 BAM 1.48

-36.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$4.08 BAM 6.95

-45.34%

Wine (Bottle)

$23.07 Rp 408.6K

$8.48 BAM 14.46

172.05%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$1.04 BAM 1.77

132.69%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$1.45 BAM 2.47

106.90%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$1.35 BAM 2.30

-80.00%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$46.17 BAM 78.7

-80.55%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$1.73 BAM 2.96

-72.25%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$1.17 BAM 1.99

-63.25%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$17.37 BAM 29.61

-67.53%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.73 BAM 2.95

-53.76%

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

$24.9K Rp 441.7M

$31.6K BAM 53.8K

-21.00%

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

$31.7K Rp 561.5M

$21.8K BAM 37.2K

45.31%

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

$81.5 Rp 1.4M

$167 BAM 284

-51.12%

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

$6.49 Rp 115.0K

$17.00 BAM 28.98

-61.82%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$37.90 BAM 64.6

-50.47%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$39.72 BAM 67.7

43.18%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$15.32 BAM 26.13

22.26%

Cinema Ticket

$4.54 Rp 80.4K

$6.07 BAM 10.35

-25.21%

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

$481 Rp 8.5M

$304 BAM 518

58.18%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$3,693 BAM 6,297

54.64%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$86.7 BAM 148

-47.52%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$37.66 BAM 64.2

-4.73%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$110 BAM 188

-27.22%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$146 BAM 248

-46.02%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$480 BAM 819

131.99%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$324 BAM 552

115.54%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$721 BAM 1,229

404.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$494 BAM 842

251.94%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$2,998 BAM 5,111

-7.12%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$1,970 BAM 3,359

16.23%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$905 BAM 1,542

-81.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.44

210.36%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Banja Luka: September 14, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $480 in Banja Luka. 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 438% higher in Banja Luka, 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 $36.00 in Ubud, Bali versus $51.0 in Banja Luka. Groceries tell a different story – $295 in Ubud, Bali vs $250 in Banja Luka – so Banja Luka 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

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

Yes – Ubud, Bali is pricier by about 8%, and the gap shows up most in Clothing & Footwear. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,052 per month in Ubud, Bali and $1,900 in Banja Luka. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 18% 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 mid-range dinner for two costs $36.00 in Ubud, Bali and $51.0 in Banja Luka. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,500 monthly budget goes further in Banja Luka, where all-in costs run around $1,266, than in Ubud, Bali at $1,368. In Banja Luka it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

Families tend to lean toward Banja Luka – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Banja Luka. 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.