Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Banja Luka

For one person, living is cheaper in Banja Luka: $1,198 a month against $1,349 in Ubud, Bali, rent and utilities included – about $1,800 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
58

Cost of Living Index in Banja Luka
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Banja Luka Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Banja Luka

🇧🇦 Bosnia and Herzegovina

$1,198

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Banja Luka

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Banja Luka actually costs, broken down by who's living it.

A single person spends $1,349 per month in Ubud, Bali vs $1,198 in Banja Luka, rent included.

Ubud, Bali $1,349
Banja Luka $1,198

A couple spends around $2,305 per month in Ubud, Bali vs $1,826 in Banja Luka, rent included.

Ubud, Bali $2,305
Banja Luka $1,826

A family of three spends $3,261 per month in Ubud, Bali vs $2,454 in Banja Luka, rent included.

Ubud, Bali $3,261
Banja Luka $2,454

Ubud, Bali costs about 13% more than Banja Luka, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$9.52 BAM 16.67

-65.13%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$49.53 BAM 86.8

-28.04%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$10.69 BAM 18.72

-48.27%

Cappuccino

$2.72 Rp 49.3K

$1.84 BAM 3.23

47.83%

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

$1.70 Rp 30.9K

$2.55 BAM 4.47

-33.33%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.69 BAM 2.96

-55.03%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.36 BAM 4.13

12.29%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$3.37 BAM 5.90

29.97%

Milk (1 liter)

$1.49 Rp 27.0K

$1.37 BAM 2.41

8.76%

White Bread (500g)

$2.28 Rp 41.3K

$1.23 BAM 2.15

85.37%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.59 BAM 2.78

-25.16%

Eggs

$2.04 Rp 36.9K

$2.89 BAM 5.06

-29.41%

Local Cheese (1kg)

$17.70 Rp 321.1K

$9.76 BAM 17.10

81.35%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$8.92 BAM 15.63

-55.61%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$14.07 BAM 24.65

-13.36%

Apples (1kg)

$3.66 Rp 66.3K

$1.84 BAM 3.23

98.91%

Banana (1kg)

$1.52 Rp 27.5K

$1.96 BAM 3.44

-22.45%

Oranges (1kg)

$2.23 Rp 40.4K

$2.21 BAM 3.88

0.90%

Tomato (1kg)

$1.97 Rp 35.8K

$2.16 BAM 3.78

-8.80%

Potato (1kg)

$1.85 Rp 33.5K

$0.99 BAM 1.73

86.87%

Onion (1kg)

$2.42 Rp 44.0K

$1.37 BAM 2.39

76.64%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.13 BAM 1.98

-12.39%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$0.89 BAM 1.57

-42.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$3.92 BAM 6.86

-43.37%

Wine (Bottle)

$22.24 Rp 403.4K

$7.99 BAM 14.00

178.35%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$0.99 BAM 1.74

128.28%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$1.41 BAM 2.47

110.64%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$1.33 BAM 2.33

-81.20%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$45.28 BAM 79.3

-82.73%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$1.69 BAM 2.96

-73.96%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.12 BAM 1.96

-61.61%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$16.85 BAM 29.51

-67.89%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.77 BAM 3.10

-53.67%

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

$23.8K Rp 432.4M

$30.4K BAM 53.3K

-21.70%

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

$31.7K Rp 575.9M

$21.1K BAM 37.0K

50.17%

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

$79.1 Rp 1.4M

$163 BAM 285

-51.35%

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

$6.45 Rp 116.9K

$16.51 BAM 28.93

-60.93%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$36.88 BAM 64.6

-49.62%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$36.35 BAM 63.7

36.12%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

$15.04 BAM 26.35

17.35%

Cinema Ticket

$4.27 Rp 77.5K

$5.78 BAM 10.12

-26.12%

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

$491 Rp 8.9M

$283 BAM 496

73.13%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$3,604 BAM 6,314

57.42%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$82.1 BAM 144

-45.65%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$36.26 BAM 63.5

-3.61%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$106 BAM 185

-24.27%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$145 BAM 254

-45.17%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$435 BAM 763

158.38%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$299 BAM 524

124.67%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$658 BAM 1,153

441.77%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$471 BAM 826

265.69%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,826 BAM 4,951

-3.34%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$1,912 BAM 3,349

19.46%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$887 BAM 1,555

-81.54%

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: October 25, 2026

Last update for Banja Luka: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Banja Luka

$299 25% 55.5% $373

Groceries & Markets

Ubud, Bali

$288 21.4%

Banja Luka

$245 20.5% 14.9% $43

Eating Out

Ubud, Bali

$108 8%

Banja Luka

$166 13.8% 54% $58

Clothing & Footwear

Ubud, Bali

$108 8%

Banja Luka

$166 13.9% 54.4% $58

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Banja Luka

$216 18% 107% $112

Sport & Entertainment

Ubud, Bali

$58 4.3%

Banja Luka

$48 4% 17.4% $10

Getting Around

Ubud, Bali

$11 0.9%

Banja Luka

$58 4.8% 407% $46

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $435 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 in Banja Luka are about 5.4 times higher, 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 in Ubud, Bali versus $50 in Banja Luka. Groceries tell a different story – $288 in Ubud, Bali vs $245 in Banja Luka – so Banja Luka wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇧🇦 Banja Luka

🕒 Local time

15:07 3:07 PM

08:07 8:07 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

138,963

💱 Currency

Indonesian Rupiah IDR Rp

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 BAM = 0.571 USD

1 BAM = 0.511 EUR

Exchange rates and currency converter

BAM, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of November 2, 2026: 1 USD = 1.75 BAM (1 BAM = 0.571 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Banja Luka 11,310 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Banja Luka

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

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

Yes – Ubud, Bali is pricier by about 13%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $1,796 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: a one-bedroom in the center costs $435 there versus $1,125 in Ubud, Bali.

Groceries cost about 18% more in Ubud, Bali, though the gap depends on what you buy.

A mid-range dinner for two costs $36 in Ubud, Bali and $50 in Banja Luka. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,500 covers both cities comfortably – all-in costs are $1,349 in Ubud, Bali and $1,198 in Banja Luka, leaving budget for savings and extras in both cases.

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 cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.