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: $1,378 in Ubud, Bali versus $1,091 in Novi Pazar.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $1,569 in Novi Pazar.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $2,047 in Novi Pazar.

Living in Ubud, Bali is roughly 26% more expensive than in Novi Pazar, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Ubud, Bali is 0% above, Novi Pazar is 21% below.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$6.72 RSD 678

-50.45%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$19.04 RSD 1,919

88.13%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$7.72 RSD 778

-27.07%

Cappuccino

$2.82 Rp 49.7K

$1.75 RSD 177

61.14%

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

$1.75 Rp 30.8K

$1.69 RSD 170

3.55%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$1.34 RSD 136

-40.30%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$2.02 RSD 203

50.50%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$2.02 RSD 204

112.87%

Milk (1 liter)

$1.61 Rp 28.3K

$1.48 RSD 149

8.78%

White Bread (500g)

$2.27 Rp 39.9K

$0.83 RSD 83.3

173.49%

Rice (white) (1kg)

$1.17 Rp 20.6K

$2.76 RSD 278

-57.61%

Eggs

$2.17 Rp 38.2K

$1.85 RSD 187

17.30%

Local Cheese (1kg)

$17.63 Rp 310.5K

$9.99 RSD 1,007

76.48%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$7.16 RSD 722

-43.44%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$16.23 RSD 1,636

-24.95%

Apples (1kg)

$3.62 Rp 63.7K

$1.22 RSD 123

196.72%

Banana (1kg)

$1.64 Rp 28.8K

$1.86 RSD 187

-11.83%

Oranges (1kg)

$2.31 Rp 40.6K

$1.99 RSD 200

16.08%

Tomato (1kg)

$1.96 Rp 34.5K

$3.08 RSD 310

-36.36%

Potato (1kg)

$1.84 Rp 32.5K

$0.96 RSD 96.9

91.67%

Onion (1kg)

$2.37 Rp 41.7K

$0.70 RSD 70.2

238.57%

Lettuce (1 head)

$1.05 Rp 18.5K

$0.74 RSD 75.0

41.89%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.69 RSD 69.1

-21.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$4.85 RSD 488

-52.58%

Wine (Bottle)

$23.08 Rp 406.4K

$10.19 RSD 1,027

126.50%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$0.91 RSD 91.6

157.14%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$1.54 RSD 155

99.35%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$0.95 RSD 96.0

-73.68%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$20.11 RSD 2,027

-53.16%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$1.17 RSD 118

-58.12%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.02 RSD 103

-53.92%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$17.55 RSD 1,769

-68.09%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.95 RSD 197

-58.46%

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

$25.0K Rp 440.3M

$31.1K RSD 3.1M

-19.67%

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

$31.1K Rp 547.0M

$25.4K RSD 2.6M

22.21%

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

$82.7 Rp 1.5M

$218 RSD 22.0K

-62.07%

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

$6.49 Rp 114.2K

$26.94 RSD 2,716

-75.91%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$35.33 RSD 3,561

-46.82%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$30.67 RSD 3,091

80.11%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

Cinema Ticket

$4.30 Rp 75.7K

$4.49 RSD 453

-4.23%

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

$494 Rp 8.7M

$177 RSD 17.8K

179.43%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$11.5K RSD 1.2M

-48.65%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$111 RSD 11.2K

-58.37%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$49.35 RSD 4,973

-26.16%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$87.6 RSD 8,827

-7.86%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$162 RSD 16.3K

-51.33%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$264 RSD 26.6K

322.32%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$192 RSD 19.4K

260.23%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$378 RSD 38.1K

863.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$311 RSD 31.3K

451.34%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$1,809 RSD 182.3K

52.61%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$1,441 RSD 145.2K

59.15%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$726 RSD 73.2K

-76.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.64

196.98%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Novi Pazar: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $264 in Novi Pazar. Housing cost is often the main lever when comparing two cities.

Novi Pazar pays 334% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $19.00 in Novi Pazar for a mid-range dinner for two. Groceries echo the gap at $294 vs $240 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 26% in total monthly costs ($1,378 vs $1,091 including rent). Novi Pazar is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 334% 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: $1,114 in Ubud, Bali versus $264 in Novi Pazar. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% 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 $36.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,091 in Novi Pazar versus $1,378 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 26% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.