Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Neum

For one person, living is cheaper in Neum: $923 a month against $1,349 in Ubud, Bali, rent and utilities included – about $5,100 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
45

Cost of Living Index in Neum
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Neum Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Neum

🇧🇦 Bosnia and Herzegovina

$923

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $923 in Neum.

Ubud, Bali $1,349
Neum $923

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,388 in Neum.

Ubud, Bali $2,305
Neum $1,388

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,852 in Neum.

Ubud, Bali $3,261
Neum $1,852

Living in Ubud, Bali is roughly 46% more expensive than in Neum, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$5.00 BAM 8.77

-33.60%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$31.00 BAM 54.4

14.97%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$5.68 BAM 9.97

-2.64%

Cappuccino

$2.72 Rp 49.4K

$1.81 BAM 3.18

50.28%

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

$1.70 Rp 30.9K

$1.94 BAM 3.41

-12.37%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.25 BAM 2.19

-39.20%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$2.60 BAM 4.56

1.92%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$2.21 BAM 3.87

98.19%

Milk (1 liter)

$1.49 Rp 27.1K

$1.16 BAM 2.04

28.45%

White Bread (500g)

$2.28 Rp 41.4K

$0.90 BAM 1.58

153.33%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.08 BAM 3.66

-42.79%

Eggs

$2.04 Rp 37.0K

$2.59 BAM 4.55

-21.24%

Local Cheese (1kg)

$17.70 Rp 321.7K

$7.55 BAM 13.25

134.44%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$7.08 BAM 12.44

-44.07%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$10.69 BAM 18.78

14.03%

Apples (1kg)

$3.66 Rp 66.4K

$1.10 BAM 1.93

232.73%

Banana (1kg)

$1.52 Rp 27.6K

$1.63 BAM 2.86

-6.75%

Oranges (1kg)

$2.23 Rp 40.5K

$1.39 BAM 2.45

60.43%

Tomato (1kg)

$1.97 Rp 35.9K

$1.16 BAM 2.03

69.83%

Potato (1kg)

$1.85 Rp 33.6K

$0.98 BAM 1.73

88.78%

Onion (1kg)

$2.42 Rp 44.1K

$0.99 BAM 1.74

144.44%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.77 BAM 1.36

28.57%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.67 BAM 1.18

-23.88%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$3.87 BAM 6.80

-42.64%

Wine (Bottle)

$22.24 Rp 404.2K

$4.11 BAM 7.22

441.12%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$0.79 BAM 1.39

186.08%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$0.89 BAM 1.56

233.71%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.19 BAM 2.09

-78.99%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$56.7 BAM 99.6

-86.21%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.75 BAM 3.07

-74.86%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$0.60 BAM 1.05

-28.33%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$5.80 BAM 10.19

-6.72%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.56 BAM 2.74

-47.44%

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

$23.8K Rp 433.3M

$29.8K BAM 52.4K

-20.03%

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

$31.7K Rp 577.0M

$21.4K BAM 37.5K

48.56%

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

$79.1 Rp 1.4M

$135 BAM 237

-41.51%

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

$6.45 Rp 117.2K

$17.71 BAM 31.10

-63.58%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$25.81 BAM 45.32

-28.01%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$33.44 BAM 58.7

47.97%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$12.73 BAM 22.36

38.65%

Cinema Ticket

$4.27 Rp 77.7K

$6.93 BAM 12.18

-38.38%

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

$491 Rp 8.9M

$195 BAM 342

151.99%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$2,298 BAM 4,035

146.95%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$57.5 BAM 101

-22.41%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$32.40 BAM 56.9

7.87%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$86.7 BAM 152

-7.80%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$80.8 BAM 142

-1.68%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$311 BAM 546

261.49%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$220 BAM 387

204.64%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$524 BAM 921

579.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$350 BAM 615

392.22%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,299 BAM 4,038

18.80%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,585 BAM 2,784

44.09%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$872 BAM 1,531

-81.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.9

375.17%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Neum: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Neum

$220 23.9% 67.2% $451

Groceries & Markets

Ubud, Bali

$288 21.4%

Neum

$186 20.2% 35.5% $102

Eating Out

Ubud, Bali

$108 8%

Neum

$109 11.8% 1.1% $1.2

Clothing & Footwear

Ubud, Bali

$108 8%

Neum

$116 12.5% 7.7% $8.3

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Neum

$179 19.4% 71.7% $75

Sport & Entertainment

Ubud, Bali

$58 4.3%

Neum

$47 5.1% 18.5% $11

Getting Around

Ubud, Bali

$11 0.9%

Neum

$66 7.2% 480% $55

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $311 in Neum. Housing cost is often the main lever when comparing two cities.

Neum pays about 5.3 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 $31 in Neum for a mid-range dinner for two. Groceries echo the gap at $288 vs $186 per month, with Neum cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇦 Neum

🕒 Local time

07:12 7:12 AM

00:12 12:12 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

3,200

💱 Currency

Indonesian Rupiah IDR Rp

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 BAM = 0.569 USD

1 BAM = 0.512 EUR

Exchange rates and currency converter

BAM, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 28, 2026: 1 USD = 1.76 BAM (1 BAM = 0.569 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Neum 11,270 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Neum

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 Neum: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $923 in Neum, so Neum is about 32% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 81% 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 $311 in Neum. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 86% less than in Neum. The price difference matters if you commute daily and watch your budget.

Childcare runs $491 in Ubud, Bali versus $195 in Neum. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $923 in Neum versus $1,349 in Ubud, Bali, a $1,200 budget is realistic in Neum but tight or insufficient in Ubud, Bali. The gap between the two cities makes Neum the clear choice for anyone on this budget.

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