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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,262 in Karlovac.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,884 in Karlovac.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,505 in Karlovac.

Living in Ubud, Bali is roughly 8% more expensive than in Karlovac, driven mainly by Eating Out.

The two cities straddle the global median: Ubud, Bali is 0% above, Karlovac is 8% below.

Meal at Budget Restaurant

$3.44 Rp 61.0K

$11.39 €9.92

-69.80%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 644.5K

$46.49 €40.50

-21.90%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.3K

$8.26 €7.20

-30.87%

Cappuccino

$2.67 Rp 47.4K

$2.05 €1.79

30.24%

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

$1.75 Rp 31.1K

$2.48 €2.16

-29.44%

Water (0.33 liter bottle)

$0.87 Rp 15.5K

$1.66 €1.45

-47.59%

Local Beer (0.5 liter draught)

$2.95 Rp 52.4K

$2.55 €2.22

15.69%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.2K

$2.67 €2.32

69.29%

Milk (1 liter)

$1.62 Rp 28.7K

$1.16 €1.01

39.66%

White Bread (500g)

$2.33 Rp 41.4K

$1.17 €1.02

99.15%

Rice (white) (1kg)

$1.11 Rp 19.7K

$1.63 €1.42

-31.90%

Eggs

$2.20 Rp 39.1K

$3.17 €2.76

-30.60%

Local Cheese (1kg)

$17.69 Rp 314.0K

$9.70 €8.45

82.37%

Chicken Fillets (1kg)

$4.10 Rp 72.7K

$10.09 €8.79

-59.37%

Beef Round Steak (1kg)

$12.18 Rp 216.1K

$12.08 €10.53

0.83%

Apples (1kg)

$3.71 Rp 65.8K

$2.04 €1.78

81.86%

Banana (1kg)

$1.59 Rp 28.2K

$1.93 €1.68

-17.62%

Oranges (1kg)

$2.28 Rp 40.5K

$1.95 €1.70

16.92%

Tomato (1kg)

$1.95 Rp 34.7K

$2.13 €1.86

-8.45%

Potato (1kg)

$1.91 Rp 33.8K

$1.44 €1.25

32.64%

Onion (1kg)

$2.33 Rp 41.4K

$1.10 €0.96

111.82%

Lettuce (1 head)

$1.01 Rp 17.9K

$1.75 €1.52

-42.29%

Water (1.5 liter bottle)

$0.55 Rp 9,795

$1.26 €1.10

-56.35%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.6K

$5.82 €5.07

-61.68%

Wine (Bottle)

$23.07 Rp 409.5K

$6.85 €5.96

236.79%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.9K

$1.67 €1.45

44.91%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.2K

$2.37 €2.06

26.58%

One-way Ticket (Public Transport)

$0.27 Rp 4,825

$3.46 €3.01

-92.20%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.4K

Taxi Start (Normal Tariff)

$0.48 Rp 8,586

$5.88 €5.12

-91.84%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,697

$1.18 €1.02

-63.56%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 100.1K

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.78 €1.55

-55.06%

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

$24.9K Rp 442.7M

$27.2K €23.7K

-8.26%

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

$31.7K Rp 562.8M

$26.3K €22.9K

20.43%

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

$81.5 Rp 1.4M

$188 €164

-56.61%

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

$6.49 Rp 115.2K

$28.44 €24.78

-77.18%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 333.1K

$40.15 €34.98

-53.25%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$39.89 €34.76

42.57%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 332.4K

$18.76 €16.34

-0.16%

Cinema Ticket

$4.54 Rp 80.5K

$6.88 €6.00

-34.01%

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

$481 Rp 8.5M

$431 €375

11.62%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.4M

$6,937 €6,043

-17.66%

Jeans (Levis 501 Or Similar)

$45.52 Rp 807.9K

$93.9 €81.8

-51.50%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 636.9K

$52.6 €45.85

-31.83%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$91.4 €79.6

-12.03%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$80.9 €70.5

-2.76%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.8M

$502 €437

122.17%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$367 €320

90.11%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.5M

$750 €653

384.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$533 €464

226.03%

Buy Apartment in City Center (m2)

$2,784 Rp 49.4M

$2,843 €2,477

-2.07%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.6M

$2,472 €2,154

-7.38%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$1,433 €1,248

-88.27%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.72

270.43%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Karlovac: September 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,115 in Ubud, Bali and $502 in Karlovac. Housing cost is often the main lever when comparing two cities.

Karlovac pays 753% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $46.00 in Karlovac. Groceries flip the comparison at $295 vs $254, with Karlovac 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 Karlovac: Cost of Living - Frequently Asked Questions

Karlovac is cheaper overall, especially in Groceries & Markets, Sport & Entertainment. The 8% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 753% lower in Karlovac. 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: $1,115 in Ubud, Bali versus $502 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,368 per month in Ubud, Bali versus $1,262 in Karlovac – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,262 in Karlovac versus $1,368 in Ubud, Bali, a $1,500 budget is realistic in Karlovac but tight or insufficient in Ubud, Bali. The gap between the two cities makes Karlovac the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Karlovac 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 Karlovac 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.