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: $1,419 in Ubud, Bali versus $1,027 in Novi Pazar.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $1,507 in Novi Pazar.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $1,988 in Novi Pazar.

Living in Ubud, Bali is roughly 38% more expensive than Novi Pazar, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 6% above, Novi Pazar is 23% below.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$7.05 RSD 709

-49.50%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$18.58 RSD 1,868

76.16%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$7.96 RSD 801

-37.81%

Cappuccino

$2.71 Rp 48.4K

$1.43 RSD 144

89.51%

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

$1.34 Rp 24.0K

$1.70 RSD 171

-21.18%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$1.29 RSD 130

-45.74%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$2.00 RSD 201

46.00%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$1.99 RSD 200

98.99%

Milk (1 liter)

$1.81 Rp 32.3K

$1.20 RSD 121

50.83%

White Bread (500g)

$2.52 Rp 45.0K

$0.76 RSD 76.4

231.58%

Rice (white) (1kg)

$1.16 Rp 20.7K

$2.92 RSD 294

-60.27%

Eggs

$2.46 Rp 43.9K

$1.80 RSD 181

36.67%

Local Cheese (1kg)

$14.71 Rp 262.7K

$10.03 RSD 1,009

46.66%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$7.65 RSD 770

-43.53%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$12.88 RSD 1,296

-5.75%

Apples (1kg)

$3.84 Rp 68.6K

$1.21 RSD 122

217.36%

Banana (1kg)

$1.56 Rp 27.8K

$1.86 RSD 187

-16.13%

Oranges (1kg)

$2.83 Rp 50.6K

$2.03 RSD 204

39.41%

Tomato (1kg)

$2.33 Rp 41.5K

$2.78 RSD 280

-16.19%

Potato (1kg)

$1.91 Rp 34.2K

$1.08 RSD 108

76.85%

Onion (1kg)

$2.20 Rp 39.3K

$0.75 RSD 75.4

193.33%

Lettuce (1 head)

$1.01 Rp 18.1K

$0.91 RSD 91.8

10.99%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$0.79 RSD 79.1

-1.27%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$4.41 RSD 444

-24.72%

Wine (Bottle)

$23.74 Rp 423.9K

$9.94 RSD 1,000

138.83%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$0.84 RSD 84.4

232.14%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$1.53 RSD 153

86.93%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$0.90 RSD 90.9

-70.00%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$19.67 RSD 1,978

-59.18%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$1.11 RSD 112

-58.56%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$0.91 RSD 91.9

-50.55%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$7.08 RSD 712

-13.84%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.83 RSD 184

-56.83%

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

$26.1K Rp 467.0M

$30.5K RSD 3.1M

-14.28%

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

$32.1K Rp 573.6M

$26.8K RSD 2.7M

19.88%

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

$79.9 Rp 1.4M

$202 RSD 20.3K

-60.47%

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

$4.06 Rp 72.6K

$22.49 RSD 2,262

-81.95%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$32.93 RSD 3,312

-28.58%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$29.17 RSD 2,933

238.36%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$16.38 RSD 1,648

-59.52%

Cinema Ticket

$4.15 Rp 74.1K

$7.81 RSD 785

-46.86%

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

$304 Rp 5.4M

$178 RSD 17.9K

70.94%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$5,125 RSD 515.5K

29.03%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$99.8 RSD 10.0K

-44.33%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$42.67 RSD 4,291

-10.22%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$90.5 RSD 9,097

-2.05%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$119 RSD 12.0K

-34.79%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$260 RSD 26.1K

287.73%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$196 RSD 19.8K

243.82%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$380 RSD 38.2K

806.22%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$305 RSD 30.7K

568.91%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$1,818 RSD 182.9K

56.25%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$1,447 RSD 145.5K

56.43%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$742 RSD 74.6K

-77.72%

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: June 1, 2026

Last update for Novi Pazar: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $260 in Novi Pazar. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays 349% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $19.00 in Novi Pazar for a mid-range dinner for two. Groceries echo the gap at $302 vs $230 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 38% in total monthly costs ($1,419 vs $1,027 including rent). Novi Pazar is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Novi Pazar earns 349% less. 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: $1,006 in Ubud, Bali versus $260 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 $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,027 in Novi Pazar versus $1,419 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 38% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.