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 $1,348 per month in Ubud, Bali vs $775 in Loznica, rent included.

A couple spends around $2,312 per month in Ubud, Bali vs $1,166 in Loznica, rent included.

A family of three spends $3,276 per month in Ubud, Bali vs $1,557 in Loznica, rent included.

Ubud, Bali costs about 74% 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

$3.33 Rp 59.6K

$3.60 RSD 375

-7.50%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$32.80 RSD 3,418

7.99%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$11.30 RSD 1,178

-49.03%

Cappuccino

$2.63 Rp 47.0K

$1.55 RSD 161

69.68%

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

$1.74 Rp 31.0K

$1.91 RSD 199

-8.90%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.69 RSD 176

-54.44%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$2.34 RSD 244

15.81%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$2.83 RSD 294

59.72%

Milk (1 liter)

$1.53 Rp 27.4K

$1.03 RSD 107

48.54%

White Bread (500g)

$2.20 Rp 39.2K

$0.57 RSD 59.5

285.96%

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.35 RSD 140

-9.63%

Eggs

$2.14 Rp 38.2K

$1.82 RSD 190

17.58%

Local Cheese (1kg)

$17.73 Rp 316.9K

$7.77 RSD 809

128.19%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$5.91 RSD 615

-34.69%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$9.76 RSD 1,017

23.26%

Apples (1kg)

$3.61 Rp 64.5K

$0.88 RSD 91.7

310.23%

Banana (1kg)

$1.51 Rp 27.1K

$1.64 RSD 171

-7.93%

Oranges (1kg)

$2.32 Rp 41.4K

$1.18 RSD 123

96.61%

Tomato (1kg)

$2.00 Rp 35.8K

$1.22 RSD 127

63.93%

Potato (1kg)

$1.81 Rp 32.4K

$1.00 RSD 105

81.00%

Onion (1kg)

$2.39 Rp 42.7K

$0.60 RSD 62.1

298.33%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.62 RSD 65.1

59.68%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$0.47 RSD 48.48

10.64%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$4.20 RSD 438

-48.10%

Wine (Bottle)

$22.98 Rp 410.7K

$4.52 RSD 471

408.41%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$0.78 RSD 80.9

207.69%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$2.41 RSD 251

24.48%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$1.03 RSD 108

-76.70%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$1.93 RSD 201

-77.20%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$1.03 RSD 107

-59.22%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$6.64 RSD 692

-17.92%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.82 RSD 190

-53.85%

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

$24.3K Rp 434.8M

$30.1K RSD 3.1M

-19.23%

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

$31.9K Rp 570.0M

$25.5K RSD 2.7M

24.90%

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

$80.8 Rp 1.4M

$111 RSD 11.5K

-26.98%

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

$6.58 Rp 117.6K

$15.74 RSD 1,640

-58.20%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$16.07 RSD 1,674

13.50%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$17.76 RSD 1,851

210.42%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

Cinema Ticket

$4.24 Rp 75.9K

$4.72 RSD 492

-10.17%

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

$486 Rp 8.7M

$171 RSD 17.8K

183.88%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$8,053 RSD 839.1K

-29.51%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$43.71 RSD 4,554

3.36%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$22.41 RSD 2,335

54.26%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$93.2 RSD 9,715

-15.11%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$52.4 RSD 5,464

48.02%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$289 RSD 30.1K

290.25%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$212 RSD 22.0K

218.69%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$454 RSD 47.3K

696.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$365 RSD 38.0K

375.38%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$1,419 RSD 147.9K

99.31%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,550 RSD 161.5K

48.84%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$525 RSD 54.7K

-68.44%

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: October 5, 2026

Last update for Loznica: October 3, 2026

Cost Breakdown

A central one-bedroom costs $1,127 in Ubud, Bali versus $289 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 217% 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 $35.00 in Ubud, Bali versus $33.00 in Loznica. Monthly groceries follow the same trend: $290 vs $166 – 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 74% 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 $2,022 per month in Ubud, Bali and $1,162 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 $1,348 in Ubud, Bali and $775 in Loznica. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $486 per month in Ubud, Bali and $171 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 $775, than in Ubud, Bali at $1,348. 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 $775 versus $1,348 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.