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

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $1,488 in Novi Sad.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,233 in Novi Sad.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $2,978 in Novi Sad.

Living in Ubud, Bali costs roughly 7% less than in Novi Sad, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Ubud, Bali 0% above, Novi Sad 8% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$10.41 RSD 1,050

-68.01%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$51.2 RSD 5,160

-30.04%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$12.74 RSD 1,284

-55.81%

Cappuccino

$2.82 Rp 49.7K

$2.72 RSD 274

3.68%

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

$1.75 Rp 30.8K

$2.49 RSD 251

-29.72%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$1.91 RSD 193

-58.12%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$2.91 RSD 293

4.47%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$4.03 RSD 406

6.70%

Milk (1 liter)

$1.61 Rp 28.3K

$1.52 RSD 154

5.92%

White Bread (500g)

$2.27 Rp 39.9K

$1.03 RSD 104

120.39%

Rice (white) (1kg)

$1.17 Rp 20.6K

$2.86 RSD 288

-59.09%

Eggs

$2.17 Rp 38.2K

$2.72 RSD 274

-20.22%

Local Cheese (1kg)

$17.63 Rp 310.5K

$13.84 RSD 1,395

27.38%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$7.72 RSD 778

-47.54%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$14.47 RSD 1,459

-15.83%

Apples (1kg)

$3.62 Rp 63.7K

$1.83 RSD 185

97.81%

Banana (1kg)

$1.64 Rp 28.8K

$2.02 RSD 204

-18.81%

Oranges (1kg)

$2.31 Rp 40.6K

$1.73 RSD 174

33.53%

Tomato (1kg)

$1.96 Rp 34.5K

$2.66 RSD 268

-26.32%

Potato (1kg)

$1.84 Rp 32.5K

$1.04 RSD 105

76.92%

Onion (1kg)

$2.37 Rp 41.7K

$0.67 RSD 67.2

253.73%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.04 RSD 105

0.96%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.70 RSD 70.5

-22.86%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$4.90 RSD 494

-53.06%

Wine (Bottle)

$23.08 Rp 406.4K

$7.89 RSD 795

192.52%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$0.99 RSD 100.0

136.36%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.38 RSD 240

28.99%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.01 RSD 102

-75.25%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$25.88 RSD 2,608

-63.60%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$2.41 RSD 243

-79.67%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.91 RSD 91.8

-48.35%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$10.77 RSD 1,085

-48.00%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.87 RSD 189

-56.68%

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

$25.0K Rp 440.3M

$31.4K RSD 3.2M

-20.24%

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

$31.1K Rp 547.0M

$26.5K RSD 2.7M

17.37%

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

$82.7 Rp 1.5M

$246 RSD 24.8K

-66.38%

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

$6.49 Rp 114.2K

$21.16 RSD 2,133

-69.33%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$35.51 RSD 3,579

-47.09%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$38.45 RSD 3,876

43.67%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$11.54 RSD 1,164

57.80%

Cinema Ticket

$4.30 Rp 75.7K

$7.51 RSD 757

-42.74%

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

$494 Rp 8.7M

$389 RSD 39.2K

26.97%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$7,743 RSD 780.4K

-23.58%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$122 RSD 12.3K

-62.00%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$46.04 RSD 4,640

-20.85%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$145 RSD 14.6K

-44.29%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$141 RSD 14.2K

-44.09%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$514 RSD 51.8K

116.68%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$412 RSD 41.5K

68.19%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$997 RSD 100.5K

264.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$802 RSD 80.8K

113.46%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$3,714 RSD 374.3K

-25.67%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$2,706 RSD 272.8K

-15.29%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$1,265 RSD 127.4K

-86.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.23

163.48%

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 Sad: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $514 in Novi Sad. Housing cost is often the main lever when comparing two cities.

Novi Sad pays 657% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $51.0 in Novi Sad. Groceries flip the comparison at $294 vs $255, with Novi Sad 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 Novi Sad: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 8% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 657% lower in Novi Sad. 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 $514 in Novi Sad. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36.00 versus $51.0 in Novi Sad. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,378 per month in Ubud, Bali versus $1,488 in Novi Sad – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,378 in Ubud, Bali versus $1,488 in Novi Sad, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Novi Sad. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Novi Sad, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Novi Sad 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 Ubud, Bali gentler on the wallet – expenses run 8% less than in Novi Sad. Beyond cost, consider language, visa policies, and how big the international community is in each city.