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

Monthly Cost of Living

A single person spends $1,379 per month in Ubud, Bali vs $790 in Loznica, rent included.

A couple spends around $2,363 per month in Ubud, Bali vs $1,220 in Loznica, rent included.

A family of three spends $3,347 per month in Ubud, Bali vs $1,650 in Loznica, rent included.

Ubud, Bali costs about 75% more than Loznica, driven mainly by Groceries & Markets.

Ubud, Bali sits 1% above the global median, while Loznica is 42% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$3.57 RSD 358

-7.28%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$34.71 RSD 3,478

12.59%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$11.46 RSD 1,148

-50.96%

Cappuccino

$2.64 Rp 46.9K

$1.55 RSD 155

70.32%

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

$1.58 Rp 28.2K

$1.90 RSD 190

-16.84%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$1.82 RSD 182

-60.99%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$2.47 RSD 248

10.53%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$3.02 RSD 302

43.05%

Milk (1 liter)

$1.54 Rp 27.4K

$1.08 RSD 108

42.59%

White Bread (500g)

$2.30 Rp 40.8K

$0.56 RSD 55.7

310.71%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.34 RSD 135

-23.13%

Eggs

$2.12 Rp 37.7K

$1.91 RSD 192

10.99%

Local Cheese (1kg)

$17.30 Rp 307.5K

$8.27 RSD 828

109.19%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$5.89 RSD 591

-31.58%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$9.54 RSD 957

30.19%

Apples (1kg)

$3.70 Rp 65.7K

$0.91 RSD 91.1

306.59%

Banana (1kg)

$1.62 Rp 28.7K

$1.72 RSD 173

-5.81%

Oranges (1kg)

$2.27 Rp 40.3K

$1.19 RSD 119

90.76%

Tomato (1kg)

$1.99 Rp 35.4K

$1.23 RSD 124

61.79%

Potato (1kg)

$1.83 Rp 32.5K

$1.03 RSD 104

77.67%

Onion (1kg)

$2.25 Rp 40.1K

$0.62 RSD 61.7

262.90%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.58 RSD 58.2

79.31%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.48 RSD 48.04

16.67%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$4.20 RSD 421

-47.14%

Wine (Bottle)

$23.22 Rp 412.7K

$4.56 RSD 457

409.21%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$0.80 RSD 80.1

198.75%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$2.40 RSD 240

19.58%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.95 RSD 195

-76.41%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.06 RSD 107

-56.60%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$6.74 RSD 676

-15.43%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.78 RSD 178

-57.30%

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

$24.6K Rp 436.7M

$31.8K RSD 3.2M

-22.79%

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

$31.0K Rp 551.5M

$26.0K RSD 2.6M

19.34%

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

$82.2 Rp 1.5M

$115 RSD 11.5K

-28.33%

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

$6.33 Rp 112.5K

$15.81 RSD 1,584

-59.96%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$16.56 RSD 1,660

11.96%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$18.36 RSD 1,840

205.28%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

$13.64 RSD 1,367

34.97%

Cinema Ticket

$4.26 Rp 75.8K

$4.89 RSD 490

-12.88%

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

$489 Rp 8.7M

$177 RSD 17.7K

176.28%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$7,718 RSD 773.5K

-24.95%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$43.45 RSD 4,355

5.82%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$22.82 RSD 2,287

57.14%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$95.4 RSD 9,564

-16.67%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$54.0 RSD 5,413

49.84%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$297 RSD 29.8K

284.93%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$219 RSD 21.9K

216.48%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$471 RSD 47.2K

650.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$386 RSD 38.7K

343.02%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$1,490 RSD 149.3K

86.91%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$1,534 RSD 153.7K

47.45%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$550 RSD 55.1K

-69.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.79

187.68%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Loznica: August 18, 2026

Cost Breakdown

A central one-bedroom costs $1,144 in Ubud, Bali versus $297 in Loznica. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 225% higher in Loznica, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $35.00 in Loznica. Monthly groceries follow the same trend: $293 vs $168 – making Loznica the more affordable choice for daily food spending.

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 Loznica: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 75% more than Loznica, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,069 per month in Ubud, Bali and $1,185 in Loznica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Loznica, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,379 in Ubud, Bali and $790 in Loznica. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $489 per month in Ubud, Bali and $177 in Loznica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Loznica, where all-in costs run around $790, than in Ubud, Bali at $1,379. In Loznica it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Loznica costs $790 versus $1,379 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Loznica. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.