Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Osijek

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,437 in Osijek, rent and utilities included – about $1,100 less a year. The total is higher in Osijek despite lower rent and utilities.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
69

Cost of Living Index in Osijek
Learn more

Osijek Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Osijek

🇭🇷 Croatia

$1,437

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Osijek

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,437 in Osijek.

Ubud, Bali $1,349
Osijek $1,437

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,217 in Osijek.

Ubud, Bali $2,305
Osijek $2,217

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,998 in Osijek.

Ubud, Bali $3,261
Osijek $2,998

Living in Ubud, Bali costs roughly 6% less than in Osijek, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$11.21 €10.07

-70.38%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$56.3 €50.5

-36.65%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$9.05 €8.13

-38.90%

Cappuccino

$2.72 Rp 49.4K

$2.67 €2.40

1.87%

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

$1.70 Rp 30.9K

$3.40 €3.06

-50.00%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.87 €2.57

-73.52%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$5.53 €4.97

-52.08%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$5.50 €4.94

-20.36%

Milk (1 liter)

$1.49 Rp 27.1K

$1.14 €1.02

30.70%

White Bread (500g)

$2.28 Rp 41.4K

$1.48 €1.33

54.05%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.78 €2.50

-57.19%

Eggs

$2.04 Rp 37.0K

$3.46 €3.11

-41.04%

Local Cheese (1kg)

$17.70 Rp 321.7K

$11.63 €10.45

52.19%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$8.66 €7.78

-54.27%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$11.54 €10.36

5.63%

Apples (1kg)

$3.66 Rp 66.4K

$1.73 €1.56

111.56%

Banana (1kg)

$1.52 Rp 27.6K

$1.64 €1.47

-7.32%

Oranges (1kg)

$2.23 Rp 40.5K

$1.82 €1.64

22.53%

Tomato (1kg)

$1.97 Rp 35.9K

$2.62 €2.36

-24.81%

Potato (1kg)

$1.85 Rp 33.6K

$1.32 €1.19

40.15%

Onion (1kg)

$2.42 Rp 44.1K

$1.17 €1.05

106.84%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.18 €1.06

-16.10%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.18 €1.06

-56.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$5.95 €5.35

-62.69%

Wine (Bottle)

$22.24 Rp 404.2K

$8.38 €7.53

165.39%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.61 €1.44

40.37%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.01 €1.80

47.76%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$1.74 €1.56

-85.63%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$37.15 €33.37

-78.95%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$2.19 €1.97

-79.91%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.09 €0.98

-60.55%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$14.79 €13.28

-63.42%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.89 €1.70

-56.61%

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

$23.8K Rp 433.3M

$27.3K €24.5K

-12.76%

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

$31.7K Rp 577.0M

$24.9K €22.3K

27.73%

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

$79.1 Rp 1.4M

$193 €174

-59.10%

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

$6.45 Rp 117.2K

$21.77 €19.56

-70.37%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$44.37 €39.85

-58.12%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$43.77 €39.32

13.05%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$8.78 €7.88

101.03%

Cinema Ticket

$4.27 Rp 77.7K

$9.90 €8.89

-56.87%

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

$491 Rp 8.9M

$414 €372

18.56%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$4,095 €3,679

38.54%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$104 €93.2

-56.95%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$38.98 €35.01

-10.34%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$97.7 €87.8

-18.24%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$109 €98.4

-27.46%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$652 €585

72.61%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$435 €391

54.38%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,189 €1,068

199.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$835 €750

106.39%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$2,761 €2,480

-1.07%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$2,173 €1,952

5.11%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,343 €1,206

-87.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.67

275.48%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Osijek: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Osijek

$435 30.3% 35.2% $237

Groceries & Markets

Ubud, Bali

$288 21.4%

Osijek

$257 17.9% 10.9% $31

Eating Out

Ubud, Bali

$108 8%

Osijek

$213 14.8% 97.4% $105

Clothing & Footwear

Ubud, Bali

$108 8%

Osijek

$157 11% 46.4% $50

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Osijek

$259 18.1% 149% $155

Sport & Entertainment

Ubud, Bali

$58 4.3%

Osijek

$64 4.4% 9.6% $5.5

Getting Around

Ubud, Bali

$11 0.9%

Osijek

$52 3.6% 353% $40

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $652 in Osijek. Housing cost is often the main lever when comparing two cities.

Osijek pays about 8.2 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $56 in Osijek. Groceries flip the comparison at $288 vs $257, with Osijek cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Osijek

🕒 Local time

05:21 5:21 AM

22:21 10:21 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

75,535

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.11 USD

Exchange rates and currency converter

EUR, USD 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).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to IDR in detail →

On the map

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Between locations

Ubud, Bali Osijek 11,190 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Osijek

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 Osijek: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 6% cheaper overall, especially in eating out, clothing, and utilities. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 88% 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 $652 in Osijek. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Osijek pay roughly 11% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $56 in Osijek. If you eat out regularly, this makes a real dent in your monthly spending.

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

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