Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Kotor

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,543 in Kotor, rent and utilities included – about $2,300 less a year. Other living expenses account for most of the difference.

66

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

Cost of Living Index in Kotor
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Kotor Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Kotor

🇲🇪 Montenegro

$1,543

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,543 in Kotor.

Ubud, Bali $1,353
Kotor $1,543

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,446 in Kotor.

Ubud, Bali $2,297
Kotor $2,446

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $3,350 in Kotor.

Ubud, Bali $3,241
Kotor $3,350

Living in Ubud, Bali costs roughly 12% less than in Kotor, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Kotor 14% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$11.27 €10.03

-71.34%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$59.7 €53.1

-41.53%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$11.34 €10.08

-49.74%

Cappuccino

$2.62 Rp 47.1K

$3.22 €2.86

-18.63%

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

$1.72 Rp 31.0K

$2.50 €2.22

-31.20%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.47 €1.30

-44.90%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.02 €2.69

-12.25%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$4.16 €3.70

5.05%

Milk (1 liter)

$1.57 Rp 28.3K

$1.33 €1.18

18.05%

White Bread (500g)

$2.19 Rp 39.5K

$0.93 €0.83

135.48%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.98 €1.76

-40.40%

Eggs

$2.16 Rp 38.8K

$3.57 €3.18

-39.50%

Local Cheese (1kg)

$17.65 Rp 317.7K

$8.78 €7.81

101.03%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$8.49 €7.55

-55.48%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$12.57 €11.18

-4.93%

Apples (1kg)

$3.60 Rp 64.8K

$1.27 €1.13

183.46%

Banana (1kg)

$1.59 Rp 28.6K

$1.68 €1.49

-5.36%

Oranges (1kg)

$2.31 Rp 41.6K

$1.55 €1.38

49.03%

Tomato (1kg)

$1.91 Rp 34.3K

$2.42 €2.15

-21.07%

Potato (1kg)

$1.78 Rp 32.1K

$0.88 €0.79

102.27%

Onion (1kg)

$2.33 Rp 41.9K

$1.07 €0.95

117.76%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.44 €1.28

-30.56%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.86 €0.76

-38.37%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.41 €3.92

-48.07%

Wine (Bottle)

$22.07 Rp 397.3K

$7.95 €7.07

177.61%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.13 €1.01

107.96%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.75 €1.55

70.29%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.66 €1.48

-86.14%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$44.59 €39.67

-80.04%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$0.79 €0.70

-40.51%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.09 €0.97

-60.55%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$11.32 €10.07

-51.68%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.70 €1.52

-51.18%

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

$23.9K Rp 429.8M

$27.6K €24.5K

-13.48%

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

$32.8K Rp 590.1M

$23.9K €21.2K

37.39%

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

$80.0 Rp 1.4M

$128 €113

-37.30%

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

$6.56 Rp 118.1K

$17.30 €15.39

-62.08%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$32.15 €28.60

-42.15%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$45.75 €40.69

18.30%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$19.82 €17.63

-7.77%

Cinema Ticket

$4.25 Rp 76.5K

$6.30 €5.60

-32.54%

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

$493 Rp 8.9M

$335 €298

47.19%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$7,192 €6,398

-22.18%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$88.9 €79.0

-48.71%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$44.84 €39.88

-22.03%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$96.0 €85.4

-19.01%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$107 €95.0

-26.45%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$683 €607

65.78%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$665 €591

1.21%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,343 €1,195

168.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,322 €1,176

28.69%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$3,875 €3,447

-29.87%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,840 €2,526

-21.07%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$950 €845

-82.48%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.95

131.60%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Kotor: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Kotor

$665 43.1% 1.2% $8.1

Groceries & Markets

Ubud, Bali

$287 21.2%

Kotor

$232 15% 19.3% $55

Clothing & Footwear

Ubud, Bali

$107 7.9%

Kotor

$151 9.8% 42.1% $45

Eating Out

Ubud, Bali

$106 7.9%

Kotor

$202 13.1% 89.9% $96

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Kotor

$177 11.5% 68.4% $72

Sport & Entertainment

Ubud, Bali

$63 4.6%

Kotor

$58 3.8% 6.8% $4.3

Getting Around

Ubud, Bali

$12 0.9%

Kotor

$57 3.7% 362% $45

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $683 in Kotor. Housing cost is often the main lever when comparing two cities.

Kotor pays 471% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $60.0 in Kotor. Groceries flip the comparison at $287 vs $232, with Kotor cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇲🇪 Kotor

🕒 Local time

20:54 8:54 PM

14:54 2:54 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

13,000

💱 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 24, 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 24, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Kotor 11,180 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Kotor

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 Kotor: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in clothing, eating out, and utilities. The 14% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 471% lower in Kotor. 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 $683 in Kotor. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $335 in Kotor. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Kotor pay roughly 24% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $1,543 in Kotor, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Kotor. 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 Kotor, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Kotor 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 14% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.