Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Novi Pazar

For one person, living is cheaper in Novi Pazar: $1,046 a month against $1,349 in Ubud, Bali, rent and utilities included – about $3,600 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
50

Cost of Living Index in Novi Pazar
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Novi Pazar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Novi Pazar

🇷🇸 Serbia

$1,046

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Novi Pazar

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,046 in Novi Pazar.

Ubud, Bali $1,349
Novi Pazar $1,046

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,505 in Novi Pazar.

Ubud, Bali $2,305
Novi Pazar $1,505

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $1,965 in Novi Pazar.

Ubud, Bali $3,261
Novi Pazar $1,965

Living in Ubud, Bali is roughly 29% more expensive than in Novi Pazar, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$6.85 RSD 722

-51.53%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$17.97 RSD 1,893

98.33%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$7.83 RSD 825

-29.37%

Cappuccino

$2.72 Rp 49.4K

$1.62 RSD 170

67.90%

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

$1.70 Rp 30.9K

$1.61 RSD 169

5.59%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.29 RSD 136

-41.09%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$1.85 RSD 195

43.24%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$1.89 RSD 199

131.75%

Milk (1 liter)

$1.49 Rp 27.1K

$1.41 RSD 148

5.67%

White Bread (500g)

$2.28 Rp 41.4K

$0.75 RSD 78.9

204.00%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.56 RSD 269

-53.52%

Eggs

$2.04 Rp 37.0K

$1.82 RSD 191

12.09%

Local Cheese (1kg)

$17.70 Rp 321.7K

$9.62 RSD 1,014

83.99%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$6.60 RSD 695

-40.00%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$15.36 RSD 1,618

-20.64%

Apples (1kg)

$3.66 Rp 66.4K

$1.11 RSD 117

229.73%

Banana (1kg)

$1.52 Rp 27.6K

$1.78 RSD 188

-14.61%

Oranges (1kg)

$2.23 Rp 40.5K

$1.90 RSD 200

17.37%

Tomato (1kg)

$1.97 Rp 35.9K

$3.00 RSD 316

-34.33%

Potato (1kg)

$1.85 Rp 33.6K

$0.87 RSD 92.1

112.64%

Onion (1kg)

$2.42 Rp 44.1K

$0.70 RSD 73.4

245.71%

Lettuce (1 head)

$0.99 Rp 18.0K

$0.81 RSD 85.1

22.22%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.73 RSD 77.4

-30.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$4.58 RSD 482

-51.53%

Wine (Bottle)

$22.24 Rp 404.2K

$8.44 RSD 890

163.51%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$0.94 RSD 99.1

140.43%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$1.46 RSD 154

103.42%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.90 RSD 95.1

-72.22%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$18.78 RSD 1,979

-58.36%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$1.16 RSD 123

-62.07%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.02 RSD 108

-57.84%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$17.31 RSD 1,824

-68.75%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.92 RSD 202

-57.29%

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

$23.8K Rp 433.3M

$30.2K RSD 3.2M

-21.07%

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

$31.7K Rp 577.0M

$23.7K RSD 2.5M

33.78%

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

$79.1 Rp 1.4M

$203 RSD 21.4K

-61.12%

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

$6.45 Rp 117.2K

$24.82 RSD 2,615

-74.01%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$33.43 RSD 3,522

-44.42%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$28.84 RSD 3,039

71.57%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.27 Rp 77.7K

$4.34 RSD 457

-1.61%

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

$491 Rp 8.9M

$170 RSD 17.9K

189.20%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$11.4K RSD 1.2M

-50.16%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$109 RSD 11.5K

-59.18%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$47.91 RSD 5,048

-27.05%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$85.9 RSD 9,053

-7.02%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$152 RSD 16.0K

-47.59%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$254 RSD 26.8K

342.42%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$192 RSD 20.2K

250.39%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$361 RSD 38.1K

886.07%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$291 RSD 30.6K

492.93%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$1,696 RSD 178.7K

61.03%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$1,422 RSD 149.8K

60.66%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$725 RSD 76.4K

-77.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.61

198.92%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Novi Pazar: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Novi Pazar

$192 18.3% 71.5% $480

Groceries & Markets

Ubud, Bali

$288 21.4%

Novi Pazar

$226 21.7% 21.5% $62

Eating Out

Ubud, Bali

$108 8%

Novi Pazar

$122 11.7% 13.6% $15

Clothing & Footwear

Ubud, Bali

$108 8%

Novi Pazar

$178 17% 65.2% $70

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Novi Pazar

$262 25% 151% $158

Sport & Entertainment

Ubud, Bali

$58 4.3%

Novi Pazar

$38 3.6% 35.3% $21

Getting Around

Ubud, Bali

$11 0.9%

Novi Pazar

$29 2.7% 151% $17

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $254 in Novi Pazar. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays about 4.4 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 $18 in Novi Pazar for a mid-range dinner for two. Groceries echo the gap at $288 vs $226 per month, with Novi Pazar cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇷🇸 Novi Pazar

🕒 Local time

06:29 6:29 AM

23:29 11:29 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

71,462

💱 Currency

Indonesian Rupiah IDR Rp

Serbian Dinar RSD din

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1,000 RSD = 9.49 USD

1,000 RSD = 8.53 EUR

Exchange rates and currency converter

RSD, 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).

Serbian Dinar exchange rates as of October 28, 2026: 1 USD = 105 RSD (1,000 RSD = 9.49 USD). 1 EUR = 117 RSD (1,000 RSD = 8.53 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Novi Pazar 11,040 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Novi Pazar

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 Novi Pazar: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,349 in Ubud, Bali and $1,046 in Novi Pazar, so Novi Pazar is about 22% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 77% 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 $254 in Novi Pazar. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 27% 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 $18 versus $36 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $2,000 a month, though Novi Pazar gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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