Cost of Living Comparison Between Ubud, Bali and Hvar Cost of Living Comparison Between Ubud, Bali and Hvar

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $1,531 in Hvar.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,336 in Hvar.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $3,142 in Hvar.

Living in Ubud, Bali costs roughly 10% less than in Hvar, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Hvar 11% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$13.38 €11.53

-75.11%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$71.6 €61.7

-49.96%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$9.18 €7.91

-38.67%

Cappuccino

$2.82 Rp 49.7K

$2.41 €2.07

17.01%

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

$1.75 Rp 30.8K

$3.25 €2.80

-46.15%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$2.35 €2.03

-65.96%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$3.56 €3.07

-14.61%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$4.22 €3.64

1.90%

Milk (1 liter)

$1.61 Rp 28.3K

$1.25 €1.07

28.80%

White Bread (500g)

$2.27 Rp 39.9K

$1.54 €1.33

47.40%

Rice (white) (1kg)

$1.17 Rp 20.6K

$3.05 €2.63

-61.64%

Eggs

$2.17 Rp 38.2K

$3.75 €3.23

-42.13%

Local Cheese (1kg)

$17.63 Rp 310.5K

$10.49 €9.05

68.06%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$9.66 €8.33

-58.07%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$11.78 €10.16

3.40%

Apples (1kg)

$3.62 Rp 63.7K

$1.72 €1.48

110.47%

Banana (1kg)

$1.64 Rp 28.8K

$1.72 €1.49

-4.65%

Oranges (1kg)

$2.31 Rp 40.6K

$1.99 €1.71

16.08%

Tomato (1kg)

$1.96 Rp 34.5K

$2.50 €2.15

-21.60%

Potato (1kg)

$1.84 Rp 32.5K

$1.33 €1.15

38.35%

Onion (1kg)

$2.37 Rp 41.7K

$1.30 €1.12

82.31%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.26 €1.09

-16.67%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.26 €1.09

-57.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$5.61 €4.84

-59.00%

Wine (Bottle)

$23.08 Rp 406.4K

$6.93 €5.98

233.04%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.50 €1.29

56.00%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.03 €1.75

51.23%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.83 €1.58

-86.34%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$43.26 €37.29

-78.22%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$3.09 €2.67

-84.14%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.11 €0.95

-57.66%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$8.74 €7.53

-35.93%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.76 €1.52

-53.98%

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

$25.0K Rp 440.3M

$38.2K €32.9K

-34.49%

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

$31.1K Rp 547.0M

$26.0K €22.4K

19.70%

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

$82.7 Rp 1.5M

$183 €158

-54.89%

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

$6.49 Rp 114.2K

$22.47 €19.37

-71.12%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$32.02 €27.60

-41.32%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$51.8 €44.68

6.58%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$14.53 €12.52

25.33%

Cinema Ticket

$4.30 Rp 75.7K

$8.82 €7.61

-51.25%

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

$494 Rp 8.7M

$240 €207

106.26%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$8,233 €7,097

-28.13%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$93.1 €80.2

-50.26%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$38.98 €33.60

-6.52%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$102 €88.2

-21.11%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$104 €90.0

-24.54%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$679 €586

64.00%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$545 €470

27.15%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,079 €930

237.11%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$822 €708

108.34%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$4,025 €3,470

-31.42%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$3,320 €2,862

-30.95%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.35

216.78%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Hvar: September 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $679 in Hvar. Housing cost is often the main lever when comparing two cities.

Dining out: $36.00 in Ubud, Bali vs $72.0 in Hvar. Groceries flip the comparison at $294 vs $262, with Hvar cheaper for home cooking.

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 Hvar: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 11% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,067 in Ubud, Bali and $2,297 in Hvar 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: $1,114 in Ubud, Bali versus $679 in Hvar. 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 $36.00 versus $72.0 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,378 per month in Ubud, Bali versus $1,531 in Hvar – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,378 in Ubud, Bali versus $1,531 in Hvar, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hvar. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Hvar, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Hvar 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 Ubud, Bali gentler on the wallet – expenses run 11% less than in Hvar. Beyond cost, consider language, visa policies, and how big the international community is in each city.