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 $1,404 per month in Ubud, Bali vs $866 in Loznica, rent included.

A couple spends around $2,549 per month in Ubud, Bali vs $1,246 in Loznica, rent included.

A family of three spends $3,694 per month in Ubud, Bali vs $1,626 in Loznica, rent included.

Ubud, Bali costs about 62% more than Loznica, driven mainly by Groceries & Markets.

Ubud, Bali sits 4% above the global median, while Loznica is 36% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$3.73 RSD 377

-4.29%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$28.73 RSD 2,905

13.12%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.89 RSD 899

-45.33%

Cappuccino

$2.75 Rp 49.2K

$1.73 RSD 175

58.96%

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

$1.32 Rp 23.7K

$1.68 RSD 170

-21.43%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$2.01 RSD 203

-65.17%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$2.03 RSD 205

43.35%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$2.16 RSD 218

75.46%

Milk (1 liter)

$1.71 Rp 30.6K

$1.08 RSD 109

58.33%

White Bread (500g)

$2.47 Rp 44.3K

$0.69 RSD 69.6

257.97%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.41 RSD 143

-14.89%

Eggs

$2.44 Rp 43.8K

$2.02 RSD 205

20.79%

Local Cheese (1kg)

$14.38 Rp 257.7K

$7.83 RSD 792

83.65%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$5.69 RSD 575

-24.25%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$9.98 RSD 1,009

22.34%

Apples (1kg)

$3.68 Rp 66.0K

$0.85 RSD 85.7

332.94%

Banana (1kg)

$1.55 Rp 27.8K

$1.68 RSD 169

-7.74%

Oranges (1kg)

$2.79 Rp 49.9K

$1.21 RSD 122

130.58%

Tomato (1kg)

$2.33 Rp 41.8K

$1.13 RSD 115

106.19%

Potato (1kg)

$1.97 Rp 35.3K

$1.07 RSD 108

84.11%

Onion (1kg)

$2.31 Rp 41.4K

$1.13 RSD 115

104.42%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.50 RSD 50.8

112.00%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.47 RSD 47.89

55.32%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$4.04 RSD 409

-18.81%

Wine (Bottle)

$22.79 Rp 408.4K

$4.64 RSD 469

391.16%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$0.76 RSD 77.3

269.74%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$3.17 RSD 321

-12.30%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.92 RSD 93.2

-68.48%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$26.45 RSD 2,675

-69.53%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$2.19 RSD 222

-79.45%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.92 RSD 93.1

-51.09%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$7.08 RSD 716

-11.86%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.83 RSD 185

-53.55%

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

$26.0K Rp 465.4M

$31.1K RSD 3.1M

-16.42%

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

$31.7K Rp 567.2M

$27.1K RSD 2.7M

16.76%

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

$80.8 Rp 1.4M

$112 RSD 11.3K

-27.84%

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

$4.06 Rp 72.7K

$13.14 RSD 1,329

-69.10%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$16.77 RSD 1,696

45.62%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$18.07 RSD 1,827

440.51%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$16.75 RSD 1,694

-61.49%

Cinema Ticket

$4.04 Rp 72.4K

$2.91 RSD 295

38.83%

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

$304 Rp 5.4M

$171 RSD 17.3K

77.94%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$5,174 RSD 523.2K

27.97%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$34.46 RSD 3,485

57.37%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$26.63 RSD 2,693

45.63%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$87.7 RSD 8,867

-1.76%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$52.9 RSD 5,344

45.07%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$322 RSD 32.6K

205.95%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$291 RSD 29.4K

126.47%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$480 RSD 48.5K

602.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$420 RSD 42.4K

392.23%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$1,468 RSD 148.5K

86.70%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$1,456 RSD 147.2K

53.01%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$551 RSD 55.8K

-70.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

66.00%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Loznica: June 8, 2026

Cost Breakdown

A central one-bedroom costs $986 in Ubud, Bali versus $322 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 237% 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 $33.00 in Ubud, Bali versus $29.00 in Loznica. Monthly groceries follow the same trend: $297 vs $171 – 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 62% 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 $2,106 per month in Ubud, Bali and $1,299 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.

Kindergarten costs $304 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.

Groceries cost about 74% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Loznica, where all-in costs run around $866, than in Ubud, Bali at $1,404. 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 $866 versus $1,404 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.