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 $1,408 per month in Ubud, Bali vs $1,157 in Banja Luka, rent included.

A couple spends around $2,585 per month in Ubud, Bali vs $1,687 in Banja Luka, rent included.

A family of three spends $3,763 per month in Ubud, Bali vs $2,218 in Banja Luka, rent included.

Ubud, Bali costs about 22% more than Banja Luka, driven mainly by Sport & Entertainment.

Ubud, Bali sits 5% above the global median, while Banja Luka is 13% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$8.76 BAM 15.01

-60.62%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$42.44 BAM 72.7

-23.80%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$8.89 BAM 15.22

-45.56%

Cappuccino

$2.75 Rp 49.4K

$1.64 BAM 2.80

67.68%

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

$1.38 Rp 24.9K

$2.02 BAM 3.45

-31.68%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$1.21 BAM 2.08

-38.02%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.03 BAM 3.48

47.29%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$2.83 BAM 4.84

36.04%

Milk (1 liter)

$1.74 Rp 31.2K

$1.37 BAM 2.34

27.01%

White Bread (500g)

$2.46 Rp 44.2K

$1.29 BAM 2.21

90.70%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.59 BAM 2.72

-26.42%

Eggs

$2.43 Rp 43.7K

$2.99 BAM 5.12

-18.73%

Local Cheese (1kg)

$14.50 Rp 260.6K

$9.32 BAM 15.97

55.58%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$8.83 BAM 15.12

-50.74%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$12.25 BAM 20.98

-2.20%

Apples (1kg)

$3.72 Rp 66.8K

$1.46 BAM 2.50

154.79%

Banana (1kg)

$1.63 Rp 29.2K

$1.64 BAM 2.82

-0.61%

Oranges (1kg)

$2.74 Rp 49.3K

$1.92 BAM 3.29

42.71%

Tomato (1kg)

$2.24 Rp 40.3K

$2.01 BAM 3.44

11.44%

Potato (1kg)

$1.92 Rp 34.5K

$1.20 BAM 2.06

60.00%

Onion (1kg)

$2.28 Rp 40.9K

$1.24 BAM 2.13

83.87%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.27 BAM 2.18

-16.54%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.73 BAM 1.25

-1.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$3.85 BAM 6.60

-14.55%

Wine (Bottle)

$23.19 Rp 416.8K

$8.37 BAM 14.33

177.06%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$0.75 BAM 1.29

270.67%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.14 BAM 1.96

139.47%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.43 BAM 2.44

-81.12%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$37.54 BAM 64.3

-78.40%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$1.43 BAM 2.44

-66.43%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.15 BAM 1.97

-63.48%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$8.77 BAM 15.03

-29.08%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.48 BAM 2.54

-45.27%

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

$26.6K Rp 478.2M

$29.1K BAM 49.8K

-8.40%

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

$32.2K Rp 578.5M

$26.6K BAM 45.5K

21.20%

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

$78.4 Rp 1.4M

$172 BAM 294

-54.32%

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

$4.07 Rp 73.1K

$18.77 BAM 32.15

-78.32%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$23.79 BAM 40.74

2.27%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$28.49 BAM 48.80

246.12%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$9.94 BAM 17.02

-36.22%

Cinema Ticket

$3.99 Rp 71.6K

$4.82 BAM 8.26

-17.22%

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

$305 Rp 5.5M

$239 BAM 410

27.51%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$3,672 BAM 6,289

80.89%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$73.7 BAM 126

-26.54%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$37.10 BAM 63.5

1.91%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$88.1 BAM 151

-1.39%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$123 BAM 211

-38.05%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$459 BAM 786

116.14%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$325 BAM 557

106.70%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$639 BAM 1,095

427.79%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$467 BAM 800

338.78%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$2,982 BAM 5,107

-5.94%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$1,925 BAM 3,297

15.67%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$893 BAM 1,529

-81.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.02

164.54%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Banja Luka: July 12, 2026

Cost Breakdown

A central one-bedroom costs $992 in Ubud, Bali versus $459 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 435% 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 $32.00 in Ubud, Bali versus $42.00 in Banja Luka. Groceries tell a different story – $297 in Ubud, Bali vs $231 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 22%, and the gap shows up most in Sport & Entertainment. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $1,735 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 28% 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 $32.00 in Ubud, Bali and $42.00 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 $1,157, than in Ubud, Bali at $1,408. 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.