Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Niksic

For one person, living is cheaper in Niksic: $968 a month against $1,348 in Ubud, Bali, rent and utilities included – about $4,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
48

Cost of Living Index in Niksic
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Niksic Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Niksic

🇲🇪 Montenegro

$968

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,348 in Ubud, Bali versus $968 in Niksic.

Ubud, Bali $1,348
Niksic $968

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $1,458 in Niksic.

Ubud, Bali $2,312
Niksic $1,458

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $1,947 in Niksic.

Ubud, Bali $3,276
Niksic $1,947

Living in Ubud, Bali is roughly 39% more expensive than in Niksic, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Niksic is 28% below.

Meal at Budget Restaurant

$3.33 Rp 59.6K

$8.03 €7.17

-58.53%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 633.1K

$30.25 €27.00

17.09%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 102.9K

$5.62 €5.02

2.49%

Cappuccino

$2.63 Rp 47.0K

$1.71 €1.53

53.80%

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

$1.74 Rp 31.0K

$1.94 €1.73

-10.31%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$1.11 €0.99

-30.63%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

$1.93 €1.72

40.41%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.8K

$2.28 €2.04

98.25%

Milk (1 liter)

$1.53 Rp 27.4K

$1.10 €0.98

39.09%

White Bread (500g)

$2.20 Rp 39.2K

$0.88 €0.78

150.00%

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.97 €1.76

-38.07%

Eggs

$2.14 Rp 38.2K

$3.04 €2.71

-29.61%

Local Cheese (1kg)

$17.73 Rp 316.9K

$7.64 €6.81

132.07%

Chicken Fillets (1kg)

$3.86 Rp 68.9K

$6.12 €5.47

-36.93%

Beef Round Steak (1kg)

$12.03 Rp 215.0K

$10.76 €9.60

11.80%

Apples (1kg)

$3.61 Rp 64.5K

$1.09 €0.98

231.19%

Banana (1kg)

$1.51 Rp 27.1K

$1.24 €1.10

21.77%

Oranges (1kg)

$2.32 Rp 41.4K

$1.33 €1.19

74.44%

Tomato (1kg)

$2.00 Rp 35.8K

$2.08 €1.86

-3.85%

Potato (1kg)

$1.81 Rp 32.4K

$0.94 €0.84

92.55%

Onion (1kg)

$2.39 Rp 42.7K

$1.02 €0.91

134.31%

Lettuce (1 head)

$0.99 Rp 17.8K

$1.05 €0.93

-5.71%

Water (1.5 liter bottle)

$0.52 Rp 9,373

$0.86 €0.76

-39.53%

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.0K

$4.17 €3.73

-47.72%

Wine (Bottle)

$22.98 Rp 410.7K

$4.99 €4.45

360.52%

Local Beer (0.5 liter bottle)

$2.40 Rp 42.8K

$0.98 €0.88

144.90%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.6K

$1.12 €1.00

167.86%

One-way Ticket (Public Transport)

$0.24 Rp 4,255

$1.09 €0.98

-77.98%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.0K

$33.16 €29.60

-78.92%

Taxi Start (Normal Tariff)

$0.44 Rp 7,876

$0.58 €0.52

-24.14%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,582

$0.58 €0.52

-27.59%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.4K

$7.21 €6.44

-24.41%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.72 €1.53

-51.16%

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

$24.3K Rp 434.8M

$21.4K €19.1K

13.79%

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

$31.9K Rp 570.0M

$26.1K €23.3K

22.17%

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

$80.8 Rp 1.4M

$120 €107

-32.74%

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

$6.58 Rp 117.6K

$22.98 €20.50

-71.37%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.1K

$24.09 €21.49

-24.28%

Gym Membership (Monthly)

$55.1 Rp 985.4K

$34.15 €30.48

61.43%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 330.9K

$10.40 €9.28

77.98%

Cinema Ticket

$4.24 Rp 75.9K

$5.54 €4.94

-23.47%

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

$486 Rp 8.7M

$82.1 €73.2

491.85%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.5M

$4,484 €4,002

26.58%

Jeans (Levis 501 Or Similar)

$45.18 Rp 807.6K

$83.9 €74.9

-46.16%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 617.9K

$31.47 €28.09

9.85%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$89.1 €79.5

-11.18%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$110 €98.6

-29.72%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.1M

$425 €379

165.35%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$268 €239

151.44%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.7M

$602 €537

501.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.0M

$416 €371

316.88%

Buy Apartment in City Center (m2)

$2,829 Rp 50.6M

$1,635 €1,459

73.04%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.2M

$1,210 €1,080

90.61%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$808 €721

-79.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.5

150.55%

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

Last update for Ubud, Bali: October 5, 2026

Last update for Niksic: October 4, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$674 49.6%

Niksic

$268 27.3% 60.2% $406

Groceries & Markets

Ubud, Bali

$290 21.4%

Niksic

$191 19.4% 34.3% $99

Eating Out

Ubud, Bali

$108 8%

Niksic

$128 13% 18.5% $20

Clothing & Footwear

Ubud, Bali

$106 7.8%

Niksic

$142 14.4% 33.1% $35

Monthly Utilities & Internet

Ubud, Bali

$106 7.8%

Niksic

$167 17% 58.3% $62

Sport & Entertainment

Ubud, Bali

$64 4.7%

Niksic

$45 4.6% 28.9% $18

Getting Around

Ubud, Bali

$11 0.8%

Niksic

$41 4.2% 291% $31

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $425 in Niksic. Housing cost is often the main lever when comparing two cities.

Niksic pays 387% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $30.00 in Niksic for a mid-range dinner for two. Groceries echo the gap at $290 vs $191 per month, with Niksic cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇲🇪 Niksic

🕒 Local time

20:16 8:16 PM

14:16 2:16 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

56,970

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,030 IDR (100,000 IDR = 4.99 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Niksic 11,160 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Niksic

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 Niksic: Cost of Living - Frequently Asked Questions

Ubud, Bali and Niksic differ by about 39% in total monthly costs ($1,348 vs $968 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 387% lower in Niksic. 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: $1,127 in Ubud, Bali versus $425 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,348 per month in Ubud, Bali versus $968 in Niksic – a 39% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Niksic runs roughly 374% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $968 in Niksic versus $1,348 in Ubud, Bali, a $2,000 budget is realistic in Niksic but tight or insufficient in Ubud, Bali. The gap between the two cities makes Niksic 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 Niksic 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 Niksic gentler on the wallet – expenses run 39% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.