Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,257 a month against $1,353 in Ubud, Bali, rent and utilities included – about $1,200 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,257

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Herceg Novi

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,257 in Herceg Novi.

Ubud, Bali $1,353
Herceg Novi $1,257

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,997 in Herceg Novi.

Ubud, Bali $2,297
Herceg Novi $1,997

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,737 in Herceg Novi.

Ubud, Bali $3,241
Herceg Novi $2,737

Living in Ubud, Bali is roughly 8% more expensive than in Herceg Novi, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 0% above, Herceg Novi is 7% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$11.23 €9.99

-71.24%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$36.29 €32.28

-3.89%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$9.16 €8.15

-37.77%

Cappuccino

$2.62 Rp 47.1K

$2.65 €2.36

-1.13%

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

$1.72 Rp 31.0K

$2.50 €2.23

-31.20%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.63 €1.45

-50.31%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$2.84 €2.53

-6.69%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.34 €2.97

30.84%

Milk (1 liter)

$1.57 Rp 28.3K

$1.20 €1.07

30.83%

White Bread (500g)

$2.19 Rp 39.5K

$1.01 €0.90

116.83%

Rice (white) (1kg)

$1.18 Rp 21.2K

$2.93 €2.61

-59.73%

Eggs

$2.16 Rp 38.8K

$2.98 €2.65

-27.52%

Local Cheese (1kg)

$17.65 Rp 317.7K

$9.02 €8.02

95.68%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$7.43 €6.61

-49.13%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$12.99 €11.56

-8.01%

Apples (1kg)

$3.60 Rp 64.8K

$1.33 €1.18

170.68%

Banana (1kg)

$1.59 Rp 28.6K

$1.57 €1.39

1.27%

Oranges (1kg)

$2.31 Rp 41.6K

$1.63 €1.45

41.72%

Tomato (1kg)

$1.91 Rp 34.3K

$2.96 €2.63

-35.47%

Potato (1kg)

$1.78 Rp 32.1K

$0.95 €0.85

87.37%

Onion (1kg)

$2.33 Rp 41.9K

$1.29 €1.15

80.62%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.54 €1.37

-35.06%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.95 €0.85

-44.21%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.00 €3.56

-42.75%

Wine (Bottle)

$22.07 Rp 397.3K

$4.37 €3.89

405.03%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.28 €1.14

83.59%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.74 €1.55

71.26%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.64 €1.46

-85.98%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$44.46 €39.55

-79.98%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$2.84 €2.53

-83.45%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.10 €0.97

-60.91%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$17.09 €15.20

-67.99%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.72 €1.53

-51.74%

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

$23.9K Rp 429.8M

$32.3K €28.8K

-26.14%

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

$32.8K Rp 590.1M

$21.4K €19.0K

53.30%

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

$80.0 Rp 1.4M

$136 €121

-41.27%

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

$6.56 Rp 118.1K

$13.14 €11.69

-50.08%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$33.88 €30.14

-45.10%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$56.6 €50.3

-4.33%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$11.39 €10.13

60.49%

Cinema Ticket

$4.25 Rp 76.5K

$7.81 €6.94

-45.58%

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

$493 Rp 8.9M

$444 €395

11.04%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$7,024 €6,248

-20.32%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$84.3 €75.0

-45.91%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$33.74 €30.01

3.62%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$72.7 €64.7

6.93%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$95.8 €85.2

-18.04%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$651 €579

73.77%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$399 €355

68.75%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,257 €1,118

187.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$888 €790

91.59%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$3,685 €3,278

-26.26%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,421 €2,153

-7.43%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,031 €917

-83.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

175.60%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Herceg Novi: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Herceg Novi

$399 31.7% 40.7% $274

Groceries & Markets

Ubud, Bali

$287 21.2%

Herceg Novi

$228 18.1% 20.6% $59

Clothing & Footwear

Ubud, Bali

$107 7.9%

Herceg Novi

$129 10.3% 21% $22

Eating Out

Ubud, Bali

$106 7.9%

Herceg Novi

$187 14.8% 75.3% $80

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Herceg Novi

$183 14.6% 74.2% $78

Sport & Entertainment

Ubud, Bali

$63 4.6%

Herceg Novi

$72 5.7% 15.3% $9.6

Getting Around

Ubud, Bali

$12 0.9%

Herceg Novi

$59 4.7% 378% $47

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $651 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 520% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $36.00 in Herceg Novi. Groceries flip the comparison at $287 vs $228, with Herceg Novi cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇲🇪 Herceg Novi

🕒 Local time

21:31 9:31 PM

15:31 3:31 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

11,059

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Herceg Novi 11,200 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Herceg Novi

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 Herceg Novi: Cost of Living - Frequently Asked Questions

Ubud, Bali and Herceg Novi differ by about 8% in total monthly costs ($1,353 vs $1,257 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 520% lower in Herceg Novi. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,131 in Ubud, Bali versus $651 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 26% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Herceg Novi – a meal for two runs $36.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,257 in Herceg Novi versus $1,353 in Ubud, Bali, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Ubud, Bali. The gap between the two cities makes Herceg Novi the clear choice for anyone on this budget.

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 Herceg Novi are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Herceg Novi gentler on the wallet – expenses run 8% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.