Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Karlovac

For one person, living is cheaper in Karlovac: $1,222 a month against $1,349 in Ubud, Bali, rent and utilities included – about $1,500 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
59

Cost of Living Index in Karlovac
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Karlovac Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,222 in Karlovac.

Ubud, Bali $1,349
Karlovac $1,222

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,821 in Karlovac.

Ubud, Bali $2,305
Karlovac $1,821

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,419 in Karlovac.

Ubud, Bali $3,261
Karlovac $2,419

Living in Ubud, Bali is roughly 10% more expensive than in Karlovac, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$11.20 €10.03

-70.36%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$44.46 €39.82

-19.84%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$7.61 €6.82

-27.33%

Cappuccino

$2.72 Rp 49.3K

$1.96 €1.76

38.78%

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

$1.70 Rp 30.8K

$2.45 €2.19

-30.61%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.61 €1.44

-52.80%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$2.43 €2.18

9.05%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$2.46 €2.20

78.05%

Milk (1 liter)

$1.49 Rp 27.0K

$1.13 €1.01

31.86%

White Bread (500g)

$2.28 Rp 41.2K

$1.13 €1.02

101.77%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.53 €1.37

-22.22%

Eggs

$2.04 Rp 36.9K

$3.16 €2.83

-35.44%

Local Cheese (1kg)

$17.70 Rp 320.8K

$9.05 €8.11

95.58%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$9.86 €8.83

-59.84%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$12.02 €10.77

1.41%

Apples (1kg)

$3.66 Rp 66.2K

$1.97 €1.77

85.79%

Banana (1kg)

$1.52 Rp 27.5K

$1.84 €1.65

-17.39%

Oranges (1kg)

$2.23 Rp 40.4K

$1.83 €1.64

21.86%

Tomato (1kg)

$1.97 Rp 35.7K

$2.01 €1.80

-1.99%

Potato (1kg)

$1.85 Rp 33.5K

$1.38 €1.23

34.06%

Onion (1kg)

$2.42 Rp 43.9K

$1.06 €0.95

128.30%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.63 €1.46

-39.26%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$1.17 €1.05

-56.41%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$5.69 €5.10

-60.98%

Wine (Bottle)

$22.24 Rp 403.0K

$6.67 €5.98

233.43%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$1.61 €1.44

40.37%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$2.31 €2.07

28.57%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$3.33 €2.98

-92.49%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$5.66 €5.07

-92.23%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.09 €0.98

-60.55%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.69 €1.51

-51.48%

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

$23.8K Rp 432.0M

$26.3K €23.6K

-9.41%

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

$31.7K Rp 575.3M

$24.7K €22.1K

28.51%

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

$79.1 Rp 1.4M

$178 €160

-55.70%

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

$6.45 Rp 116.8K

$27.68 €24.79

-76.70%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$38.87 €34.81

-52.20%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$38.63 €34.60

28.09%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$18.24 €16.34

-3.23%

Cinema Ticket

$4.27 Rp 77.4K

$6.55 €5.87

-34.81%

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

$491 Rp 8.9M

$427 €383

14.81%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$6,876 €6,158

-17.48%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$89.3 €79.9

-49.99%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$49.51 €44.34

-29.41%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$88.8 €79.5

-10.03%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$78.3 €70.1

1.43%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$478 €428

135.46%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$349 €312

92.59%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$733 €657

386.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$530 €475

224.88%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$2,746 €2,460

-0.53%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$2,382 €2,133

-4.10%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,399 €1,253

-88.29%

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: October 25, 2026

Last update for Karlovac: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Karlovac

$349 28.5% 48.1% $323

Groceries & Markets

Ubud, Bali

$288 21.4%

Karlovac

$245 20.1% 15% $43

Eating Out

Ubud, Bali

$108 8%

Karlovac

$169 13.9% 57.2% $62

Clothing & Footwear

Ubud, Bali

$108 8%

Karlovac

$138 11.3% 28% $30

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Karlovac

$245 20.1% 135% $141

Sport & Entertainment

Ubud, Bali

$58 4.3%

Karlovac

$52 4.2% 10.9% $6.3

Getting Around

Ubud, Bali

$11 0.9%

Karlovac

$24 * 2% 114% $13

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $478 in Karlovac. Housing cost is often the main lever when comparing two cities.

Karlovac pays about 8.5 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $44 in Karlovac. Groceries flip the comparison at $288 vs $245, with Karlovac cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Karlovac

🕒 Local time

02:54 2:54 AM

19:54 7:54 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

41,869

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of November 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Karlovac 11,440 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Karlovac

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 Karlovac: Cost of Living - Frequently Asked Questions

Karlovac is about 9% cheaper overall, especially in groceries and leisure. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 88% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $478 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,222 in Karlovac – Karlovac is about 9% cheaper, which adds up to real savings over time.

Either city works on $1,500 a month, though Karlovac gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 Karlovac are both considered safe, so it’s unlikely to be the deciding factor between them.