Cost of Living Comparison Between Ubud, Bali and Novi Pazar Cost of Living Comparison Between Ubud, Bali and Novi Pazar

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,038 in Novi Pazar.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $1,492 in Novi Pazar.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $1,945 in Novi Pazar.

Living in Ubud, Bali is roughly 36% more expensive than in Novi Pazar, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 5% above, Novi Pazar is 22% below.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$6.82 RSD 698

-49.41%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$18.85 RSD 1,928

71.56%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$7.66 RSD 784

-36.81%

Cappuccino

$2.75 Rp 49.3K

$1.42 RSD 145

93.66%

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

$1.38 Rp 24.8K

$1.68 RSD 172

-17.86%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$1.29 RSD 132

-41.86%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$1.99 RSD 203

50.25%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$2.02 RSD 207

90.59%

Milk (1 liter)

$1.74 Rp 31.1K

$1.17 RSD 120

48.72%

White Bread (500g)

$2.46 Rp 44.1K

$0.81 RSD 82.7

203.70%

Rice (white) (1kg)

$1.17 Rp 21.0K

$3.06 RSD 313

-61.76%

Eggs

$2.43 Rp 43.6K

$1.81 RSD 185

34.25%

Local Cheese (1kg)

$14.50 Rp 260.2K

$9.78 RSD 1,000

48.26%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$7.73 RSD 791

-43.73%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

$13.09 RSD 1,339

-8.48%

Apples (1kg)

$3.72 Rp 66.7K

$1.15 RSD 118

223.48%

Banana (1kg)

$1.63 Rp 29.2K

$1.88 RSD 192

-13.30%

Oranges (1kg)

$2.74 Rp 49.2K

$1.92 RSD 197

42.71%

Tomato (1kg)

$2.24 Rp 40.2K

$2.78 RSD 285

-19.42%

Potato (1kg)

$1.92 Rp 34.4K

$1.04 RSD 106

84.62%

Onion (1kg)

$2.28 Rp 40.8K

$0.73 RSD 74.2

212.33%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.98 RSD 101

8.16%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.73 RSD 75.1

-1.37%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$4.63 RSD 474

-28.94%

Wine (Bottle)

$23.19 Rp 416.1K

$8.53 RSD 872

171.86%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$0.82 RSD 83.9

239.02%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$1.59 RSD 163

71.70%

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$0.93 RSD 94.9

-70.97%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$19.98 RSD 2,044

-59.41%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$1.06 RSD 108

-54.72%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$0.89 RSD 91.5

-52.81%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$6.97 RSD 713

-10.76%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.89 RSD 193

-57.14%

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

$26.6K Rp 477.4M

$30.3K RSD 3.1M

-12.04%

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

$32.2K Rp 577.4M

$26.6K RSD 2.7M

21.18%

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

$78.4 Rp 1.4M

$203 RSD 20.8K

-61.39%

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

$4.07 Rp 73.0K

$22.70 RSD 2,323

-82.07%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$32.30 RSD 3,304

-24.67%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$29.82 RSD 3,051

230.68%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$16.47 RSD 1,685

-61.51%

Cinema Ticket

$3.99 Rp 71.5K

$7.67 RSD 784

-47.98%

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

$305 Rp 5.5M

$180 RSD 18.4K

69.24%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$5,172 RSD 529.1K

28.43%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$102 RSD 10.4K

-46.69%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$41.81 RSD 4,277

-9.57%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$90.0 RSD 9,211

-3.55%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$119 RSD 12.1K

-35.65%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$265 RSD 27.1K

274.90%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$200 RSD 20.4K

237.17%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$375 RSD 38.3K

800.47%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$308 RSD 31.6K

564.72%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$1,734 RSD 177.4K

61.73%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$1,417 RSD 145.0K

57.13%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$717 RSD 73.4K

-76.72%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

5.59

137.57%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Novi Pazar: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $265 in Novi Pazar. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays 329% 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 $19.00 in Novi Pazar for a mid-range dinner for two. Groceries echo the gap at $297 vs $227 per month, with Novi Pazar cheaper across the board.

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 Novi Pazar: Cost of Living - Frequently Asked Questions

Ubud, Bali and Novi Pazar differ by about 36% in total monthly costs ($1,408 vs $1,038 including rent). Novi Pazar is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 329% lower in Novi Pazar. 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: $992 in Ubud, Bali versus $265 in Novi Pazar. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 31% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Novi Pazar – a meal for two runs $19.00 versus $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,038 in Novi Pazar versus $1,408 in Ubud, Bali, a $2,000 budget is realistic in Novi Pazar but tight or insufficient in Ubud, Bali. The gap between the two cities makes Novi Pazar 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 Novi Pazar 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 Novi Pazar gentler on the wallet – expenses run 36% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.