Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Hvar

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,522 in Hvar, rent and utilities included – about $2,100 less a year. The total is higher in Hvar despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
74

Cost of Living Index in Hvar
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Hvar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Hvar

🇭🇷 Croatia

$1,522

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,522 in Hvar.

Ubud, Bali $1,349
Hvar $1,522

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,310 in Hvar.

Ubud, Bali $2,305
Hvar $2,310

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,097 in Hvar.

Ubud, Bali $3,261
Hvar $3,097

Living in Ubud, Bali costs roughly 11% less than in Hvar, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$13.08 €11.75

-74.62%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$72.8 €65.4

-51.06%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$9.13 €8.20

-39.43%

Cappuccino

$2.72 Rp 49.4K

$2.53 €2.27

7.51%

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

$1.70 Rp 30.9K

$3.12 €2.80

-45.51%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.28 €2.05

-66.67%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.54 €3.18

-25.14%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$4.09 €3.68

7.09%

Milk (1 liter)

$1.49 Rp 27.1K

$1.19 €1.07

25.21%

White Bread (500g)

$2.28 Rp 41.4K

$1.54 €1.39

48.05%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.99 €2.69

-60.20%

Eggs

$2.04 Rp 37.0K

$3.88 €3.49

-47.42%

Local Cheese (1kg)

$17.70 Rp 321.7K

$10.69 €9.60

65.58%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$9.48 €8.52

-58.23%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$11.72 €10.53

4.01%

Apples (1kg)

$3.66 Rp 66.4K

$1.72 €1.55

112.79%

Banana (1kg)

$1.52 Rp 27.6K

$1.67 €1.50

-8.98%

Oranges (1kg)

$2.23 Rp 40.5K

$1.99 €1.79

12.06%

Tomato (1kg)

$1.97 Rp 35.9K

$2.57 €2.31

-23.35%

Potato (1kg)

$1.85 Rp 33.6K

$1.29 €1.16

43.41%

Onion (1kg)

$2.42 Rp 44.1K

$1.28 €1.15

89.06%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.27 €1.14

-22.05%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.20 €1.08

-57.50%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$5.73 €5.14

-61.26%

Wine (Bottle)

$22.24 Rp 404.2K

$6.89 €6.19

222.79%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.50 €1.35

50.67%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.99 €1.79

49.25%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.76 €1.58

-85.80%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$43.21 €38.82

-81.90%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$3.08 €2.77

-85.71%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.11 €1.00

-61.26%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$8.80 €7.91

-38.52%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.78 €1.60

-53.93%

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

$23.8K Rp 433.3M

$38.2K €34.3K

-37.64%

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

$31.7K Rp 577.0M

$26.6K €23.9K

19.53%

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

$79.1 Rp 1.4M

$190 €170

-58.34%

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

$6.45 Rp 117.2K

$22.50 €20.21

-71.33%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$31.64 €28.42

-41.28%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$50.5 €45.37

-2.04%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$14.55 €13.07

21.31%

Cinema Ticket

$4.27 Rp 77.7K

$8.86 €7.96

-51.81%

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

$491 Rp 8.9M

$243 €218

101.91%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$8,090 €7,267

-29.87%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$94.0 €84.4

-52.49%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$39.00 €35.03

-10.38%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$105 €94.2

-23.82%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$106 €94.8

-24.74%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$681 €612

65.22%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$526 €473

27.56%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,116 €1,002

219.55%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$828 €744

108.10%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$4,155 €3,733

-34.26%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$3,241 €2,911

-29.52%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

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: October 25, 2026

Last update for Hvar: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Hvar

$526 34.6% 21.6% $145

Groceries & Markets

Ubud, Bali

$288 21.4%

Hvar

$260 17.1% 9.9% $28

Eating Out

Ubud, Bali

$108 8%

Hvar

$210 13.8% 94.9% $102

Clothing & Footwear

Ubud, Bali

$108 8%

Hvar

$155 10.2% 43.7% $47

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Hvar

$244 16% 134% $140

Sport & Entertainment

Ubud, Bali

$58 4.3%

Hvar

$68 4.5% 17.6% $10

Getting Around

Ubud, Bali

$11 0.9%

Hvar

$59 3.9% 416% $47

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $681 in Hvar. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $73 in Hvar. Groceries flip the comparison at $288 vs $260, with Hvar cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Hvar

🕒 Local time

21:03 9:03 PM

14:03 2:03 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

3,979

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.11 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 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Hvar 11,370 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Hvar

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 Hvar: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in eating out, transport, and clothing. The 13% gap adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $2,283 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: $1,125 in Ubud, Bali versus $681 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 versus $73 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,522 in Hvar – a 13% gap that adds up to real savings over time for anyone picking the cheaper option.

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.

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.