Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Novi Sad

For one person, living costs are similar in Ubud, Bali and in Novi Sad: $1,349 and $1,393 a month, rent and utilities included.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
67

Cost of Living Index in Novi Sad
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Novi Sad Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Novi Sad

🇷🇸 Serbia

$1,393

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,393 in Novi Sad.

Ubud, Bali $1,349
Novi Sad $1,393

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,154 in Novi Sad.

Ubud, Bali $2,305
Novi Sad $2,154

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,915 in Novi Sad.

Ubud, Bali $3,261
Novi Sad $2,915

Living in Ubud, Bali costs roughly 3% less than in Novi Sad, and outside of rent the biggest gap is in clothing.

Meal at Budget Restaurant

$3.32 Rp 59.9K

$10.11 RSD 1,060

-67.16%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 642.4K

$50.2 RSD 5,262

-28.96%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 99.7K

$12.06 RSD 1,265

-54.15%

Cappuccino

$2.72 Rp 49.0K

$2.65 RSD 278

2.64%

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

$1.70 Rp 30.7K

$2.37 RSD 248

-28.27%

Water (0.33 liter bottle)

$0.76 Rp 13.7K

$1.82 RSD 191

-58.24%

Local Beer (0.5 liter draught)

$2.65 Rp 47.8K

$2.93 RSD 307

-9.56%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.0K

$3.72 RSD 390

17.74%

Milk (1 liter)

$1.49 Rp 26.9K

$1.39 RSD 146

7.19%

White Bread (500g)

$2.28 Rp 41.0K

$0.93 RSD 97.7

145.16%

Rice (white) (1kg)

$1.19 Rp 21.5K

$2.65 RSD 278

-55.09%

Eggs

$2.04 Rp 36.7K

$2.67 RSD 281

-23.60%

Local Cheese (1kg)

$17.70 Rp 319.1K

$13.46 RSD 1,412

31.50%

Chicken Fillets (1kg)

$3.96 Rp 71.4K

$7.21 RSD 757

-45.08%

Beef Round Steak (1kg)

$12.19 Rp 219.7K

$14.06 RSD 1,475

-13.30%

Apples (1kg)

$3.66 Rp 65.9K

$1.76 RSD 184

107.95%

Banana (1kg)

$1.52 Rp 27.4K

$1.90 RSD 199

-20.00%

Oranges (1kg)

$2.23 Rp 40.2K

$1.66 RSD 174

34.34%

Tomato (1kg)

$1.97 Rp 35.6K

$2.54 RSD 266

-22.44%

Potato (1kg)

$1.85 Rp 33.3K

$1.00 RSD 104

85.00%

Onion (1kg)

$2.42 Rp 43.7K

$0.69 RSD 72.6

250.72%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.95 RSD 99.7

4.21%

Water (1.5 liter bottle)

$0.51 Rp 9,255

$0.68 RSD 71.6

-25.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.0K

$4.69 RSD 492

-52.67%

Wine (Bottle)

$22.24 Rp 400.9K

$7.79 RSD 817

185.49%

Local Beer (0.5 liter bottle)

$2.26 Rp 40.7K

$0.87 RSD 91.1

159.77%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.5K

$2.30 RSD 242

29.13%

One-way Ticket (Public Transport)

$0.25 Rp 4,525

$0.94 RSD 98.5

-73.40%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.0K

$24.22 RSD 2,540

-67.71%

Taxi Start (Normal Tariff)

$0.44 Rp 7,923

$2.31 RSD 242

-80.95%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,753

$0.92 RSD 96.3

-53.26%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 97.5K

$10.42 RSD 1,093

-48.08%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.81 RSD 190

-54.70%

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

$23.8K Rp 429.7M

$30.1K RSD 3.2M

-20.85%

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

$31.7K Rp 572.3M

$23.8K RSD 2.5M

33.68%

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

$79.1 Rp 1.4M

$224 RSD 23.5K

-64.75%

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

$6.45 Rp 116.2K

$20.29 RSD 2,128

-68.21%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 334.9K

$33.84 RSD 3,549

-45.09%

Gym Membership (Monthly)

$49.48 Rp 892.0K

$34.97 RSD 3,668

41.49%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 318.1K

$11.12 RSD 1,166

58.72%

Cinema Ticket

$4.27 Rp 77.0K

$6.88 RSD 722

-37.94%

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

$491 Rp 8.8M

$364 RSD 38.2K

34.70%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.3M

$7,540 RSD 790.7K

-24.75%

Jeans (Levis 501 Or Similar)

$44.64 Rp 804.7K

$117 RSD 12.3K

-61.88%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 630.1K

$44.36 RSD 4,653

-21.21%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$135 RSD 14.2K

-40.82%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$124 RSD 13.0K

-36.09%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.3M

$509 RSD 53.3K

121.18%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.1M

$411 RSD 43.1K

63.46%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.3M

$1,034 RSD 108.4K

244.77%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.1M

$824 RSD 86.4K

109.10%

Buy Apartment in City Center (m2)

$2,732 Rp 49.2M

$3,595 RSD 377.0K

-24.02%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.2M

$2,621 RSD 274.9K

-12.87%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,230 RSD 129.0K

-86.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.17

166.54%

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 Sad: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Novi Sad

$411 29.5% 38.8% $261

Groceries & Markets

Ubud, Bali

$288 21.4%

Novi Sad

$244 17.5% 15.6% $45

Eating Out

Ubud, Bali

$108 8%

Novi Sad

$188 13.5% 74.3% $80

Clothing & Footwear

Ubud, Bali

$108 8%

Novi Sad

$189 13.6% 76.1% $82

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Novi Sad

$278 20% 168% $174

Sport & Entertainment

Ubud, Bali

$58 4.3%

Novi Sad

$49 3.5% 16% $9.3

Getting Around

Ubud, Bali

$11 0.9%

Novi Sad

$35 2.5% 205% $23

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $509 in Novi Sad. Housing cost is often the main lever when comparing two cities.

Novi Sad pays about 7.5 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $50 in Novi Sad. Groceries flip the comparison at $288 vs $244, with Novi Sad cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇷🇸 Novi Sad

🕒 Local time

18:08 6:08 PM

11:08 11:08 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

260,438

💱 Currency

Indonesian Rupiah IDR Rp

Serbian Dinar RSD din

📈 Exchange rate

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

1,000 RSD = 9.53 USD

1,000 RSD = 8.57 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 = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

Serbian Dinar exchange rates as of October 28, 2026: 1 USD = 105 RSD (1,000 RSD = 9.53 USD). 1 EUR = 117 RSD (1,000 RSD = 8.57 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Novi Sad 11,100 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Novi Sad

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 Sad: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in clothing, eating out, and utilities. The 3% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 87% 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 $509 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 versus $50 in Novi Sad. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,393 in Novi Sad – a 3% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 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.

It comes down to priorities – Ubud, Bali wins on affordability, Novi Sad on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.