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

Monthly Cost of Living

Monthly costs for one person with rent: $1,394 in Ubud, Bali versus $951 in Niksic.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $1,472 in Niksic.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $1,994 in Niksic.

Living in Ubud, Bali is roughly 47% more expensive than in Niksic, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Niksic is 29% below.

Meal at Budget Restaurant

$3.40 Rp 60.6K

$8.06 €7.04

-57.82%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 577.1K

$32.43 €28.29

-0.15%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 89.1K

$5.68 €4.96

-11.97%

Cappuccino

$2.82 Rp 50.3K

$1.72 €1.50

63.95%

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

$1.38 Rp 24.5K

$1.90 €1.66

-27.37%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$1.18 €1.03

-38.14%

Local Beer (0.5 liter draught)

$2.98 Rp 53.2K

$1.97 €1.72

51.27%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.8K

$2.28 €1.99

74.12%

Milk (1 liter)

$1.79 Rp 32.0K

$1.16 €1.01

54.31%

White Bread (500g)

$2.46 Rp 43.9K

$0.96 €0.84

156.25%

Rice (white) (1kg)

$1.20 Rp 21.4K

$2.02 €1.76

-40.59%

Eggs

$2.39 Rp 42.6K

$3.24 €2.83

-26.23%

Local Cheese (1kg)

$14.40 Rp 256.6K

$7.62 €6.65

88.98%

Chicken Fillets (1kg)

$4.28 Rp 76.4K

$6.12 €5.34

-30.07%

Beef Round Steak (1kg)

$11.82 Rp 210.6K

$10.48 €9.15

12.79%

Apples (1kg)

$3.78 Rp 67.4K

$1.24 €1.08

204.84%

Banana (1kg)

$1.63 Rp 29.1K

$1.32 €1.15

23.48%

Oranges (1kg)

$2.80 Rp 49.9K

$1.49 €1.30

87.92%

Tomato (1kg)

$2.26 Rp 40.3K

$2.08 €1.82

8.65%

Potato (1kg)

$2.00 Rp 35.6K

$1.00 €0.88

100.00%

Onion (1kg)

$2.21 Rp 39.4K

$1.08 €0.94

104.63%

Lettuce (1 head)

$1.07 Rp 19.1K

$1.04 €0.91

2.88%

Water (1.5 liter bottle)

$0.76 Rp 13.6K

$0.81 €0.71

-6.17%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.7K

$4.40 €3.84

-28.86%

Wine (Bottle)

$23.81 Rp 424.4K

$5.20 €4.54

357.88%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.6K

$0.99 €0.87

186.87%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.5K

$1.20 €1.05

131.67%

One-way Ticket (Public Transport)

$0.27 Rp 4,755

$1.15 €1.00

-76.52%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 149.1K

$35.10 €30.63

-76.15%

Taxi Start (Normal Tariff)

$0.45 Rp 8,082

$0.55 €0.48

-18.18%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,624

$0.51 €0.44

-15.69%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 106.5K

$7.56 €6.59

-20.90%

Gasoline (1 liter)

$0.80 Rp 14.3K

$1.68 €1.47

-52.38%

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

$25.8K Rp 459.9M

$21.7K €18.9K

18.86%

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

$31.8K Rp 566.8M

$26.1K €22.8K

21.68%

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

$80.7 Rp 1.4M

$127 €111

-36.28%

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

$4.14 Rp 73.7K

$23.33 €20.35

-82.25%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 429.8K

$24.48 €21.35

-1.47%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$35.04 €30.57

178.97%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 118.4K

$10.73 €9.36

-38.12%

Cinema Ticket

$4.04 Rp 71.9K

$5.70 €4.97

-29.12%

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

$297 Rp 5.3M

$86.2 €75.2

244.74%

International Primary School, 1 Child (Yearly)

$6,590 Rp 117.4M

$4,571 €3,988

44.17%

Jeans (Levis 501 Or Similar)

$55.1 Rp 982.6K

$84.2 €73.4

-34.49%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 686.2K

$32.16 €28.06

19.75%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$91.3 €79.7

-5.67%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$114 €99.7

-31.75%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.6M

$370 €323

166.02%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$227 €198

193.00%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.4M

$535 €467

544.28%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.4M

$373 €325

447.82%

Buy Apartment in City Center (m2)

$2,829 Rp 50.4M

$1,338 €1,168

111.40%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.7M

$954 €832

139.26%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

$819 €715

-79.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.5

141.45%

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

Last update for Ubud, Bali: June 14, 2026

Last update for Niksic: June 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $370 in Niksic. Housing cost is often the main lever when comparing two cities.

Niksic pays 384% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $32.00 in Niksic. Groceries flip the comparison at $299 vs $195, with Niksic cheaper for home cooking.

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 47% in total monthly costs ($1,394 vs $951 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 384% 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: $985 in Ubud, Bali versus $370 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,394 per month in Ubud, Bali versus $951 in Niksic – a 47% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Niksic runs roughly 319% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $951 in Niksic versus $1,394 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 47% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.