Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Bjelovar

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,571 in Bjelovar, rent and utilities included – about $2,900 less a year. The total is higher in Bjelovar despite lower rent and utilities.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
75

Cost of Living Index in Bjelovar
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Bjelovar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Bjelovar

🇭🇷 Croatia

$1,571

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Bjelovar

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 Bjelovar actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,571 in Bjelovar.

Ubud, Bali $1,331
Bjelovar $1,571

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $2,414 in Bjelovar.

Ubud, Bali $2,255
Bjelovar $2,414

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $3,257 in Bjelovar.

Ubud, Bali $3,180
Bjelovar $3,257

Living in Ubud, Bali costs roughly 15% less than in Bjelovar, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Bjelovar is 16% above.

Meal at Budget Restaurant

$3.38 Rp 61.2K

$13.39 €11.97

-74.76%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.6K

$72.7 €65.0

-52.33%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.1K

$10.23 €9.15

-45.55%

Cappuccino

$2.62 Rp 47.5K

$2.26 €2.02

15.93%

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

$1.54 Rp 27.9K

$3.03 €2.71

-49.17%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$1.98 €1.77

-67.68%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.79 €3.39

-29.55%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.3K

$4.37 €3.91

-2.52%

Milk (1 liter)

$1.46 Rp 26.5K

$1.23 €1.10

18.70%

White Bread (500g)

$2.29 Rp 41.6K

$1.61 €1.44

42.24%

Rice (white) (1kg)

$1.11 Rp 20.1K

$3.31 €2.96

-66.47%

Eggs

$2.10 Rp 38.1K

$3.72 €3.32

-43.55%

Local Cheese (1kg)

$15.94 Rp 289.2K

$16.06 €14.36

-0.75%

Chicken Fillets (1kg)

$3.88 Rp 70.4K

$10.04 €8.98

-61.35%

Beef Round Steak (1kg)

$11.40 Rp 206.8K

$14.16 €12.66

-19.49%

Apples (1kg)

$3.55 Rp 64.4K

$1.73 €1.54

105.20%

Banana (1kg)

$1.54 Rp 27.9K

$1.67 €1.50

-7.78%

Oranges (1kg)

$2.23 Rp 40.5K

$1.87 €1.67

19.25%

Tomato (1kg)

$1.97 Rp 35.8K

$2.66 €2.38

-25.94%

Potato (1kg)

$1.86 Rp 33.7K

$1.37 €1.23

35.77%

Onion (1kg)

$2.42 Rp 43.9K

$1.31 €1.17

84.73%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.38 €1.23

-26.09%

Water (1.5 liter bottle)

$0.52 Rp 9,475

$1.32 €1.18

-60.61%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$5.64 €5.04

-60.99%

Wine (Bottle)

$21.79 Rp 395.2K

$7.77 €6.95

180.44%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.66 €1.49

40.36%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.11 €1.89

40.76%

One-way Ticket (Public Transport)

$0.25 Rp 4,542

$1.69 €1.51

-85.21%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.3K

$44.84 €40.10

-81.78%

Taxi Start (Normal Tariff)

$0.44 Rp 7,941

$5.49 €4.91

-91.99%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,489

$1.41 €1.26

-66.67%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$13.26 €11.85

-57.77%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.65 €1.48

-49.70%

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

$24.4K Rp 443.5M

$28.1K €25.1K

-12.86%

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

$31.7K Rp 575.0M

$24.4K €21.8K

29.72%

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

$77.5 Rp 1.4M

$192 €171

-59.55%

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

$6.14 Rp 111.5K

$23.68 €21.17

-74.07%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.1K

$38.61 €34.52

-51.00%

Gym Membership (Monthly)

$51.0 Rp 925.0K

$52.5 €46.93

-2.84%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.0K

$15.23 €13.62

19.83%

Cinema Ticket

$4.38 Rp 79.5K

$10.52 €9.41

-58.37%

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

$492 Rp 8.9M

$536 €480

-8.18%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.7M

$12.8K €11.5K

-4.88%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.2K

$96.8 €86.6

-53.37%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 632.9K

$42.68 €38.16

-18.25%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$103 €92.0

-23.87%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$108 €96.9

-28.12%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.5M

$675 €603

59.75%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$516 €462

28.81%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,201 €1,074

192.29%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$868 €776

92.49%

Buy Apartment in City Center (m2)

$2,340 Rp 42.4M

$4,060 €3,630

-42.36%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,830 €2,530

-20.98%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.73

269.44%

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

Last update for Ubud, Bali: November 1, 2026

Last update for Bjelovar: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Bjelovar

$516 32.9% 22.4% $149

Groceries & Markets

Ubud, Bali

$279 21%

Bjelovar

$293 18.7% 4.8% $13

Clothing & Footwear

Ubud, Bali

$106 8%

Bjelovar

$158 10.1% 48.5% $52

Eating Out

Ubud, Bali

$106 8%

Bjelovar

$213 13.5% 101% $107

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Bjelovar

$254 16.2% 148% $151

Sport & Entertainment

Ubud, Bali

$60 4.5%

Bjelovar

$74 4.7% 23% $14

Getting Around

Ubud, Bali

$12 0.9%

Bjelovar

$64 4.1% 437% $52

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $675 in Bjelovar. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $73 in Bjelovar for a mid-range dinner for two. Groceries echo the gap at $279 vs $293 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Bjelovar

🕒 Local time

06:42 6:42 AM

23:42 11:42 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

36,316

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.93 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 3, 2026: 1 USD = 18,140 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,286 IDR (100,000 IDR = 4.93 EUR).

Euro exchange rates as of November 3, 2026: 1 USD = 0.894 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Bjelovar 11,340 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Bjelovar

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 Bjelovar: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,331 in Ubud, Bali and $1,571 in Bjelovar, so Ubud, Bali is about 15% cheaper – a gap that matters a lot on a fixed or modest income.

You’d need roughly $1,996 in Ubud, Bali and $2,357 in Bjelovar to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,078 in Ubud, Bali versus $675 in Bjelovar. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35 versus $73 in Bjelovar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,331 per month in Ubud, Bali versus $1,571 in Bjelovar – Ubud, Bali is about 15% cheaper, which adds up to real savings over time.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Bjelovar are both considered safe, so it’s unlikely to be the deciding factor between them.