Cost of Living Comparison Between Ubud, Bali and Osijek Cost of Living Comparison Between Ubud, Bali and Osijek

Monthly Cost of Living

Monthly costs for one person with rent: $1,395 in Ubud, Bali versus $1,357 in Osijek.

Estimated couple costs with rent: $2,559 in Ubud, Bali versus $2,092 in Osijek.

Monthly costs for a family of three with rent: $3,724 in Ubud, Bali versus $2,826 in Osijek.

Living in Ubud, Bali is roughly 3% more expensive than Osijek, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 4% above, Osijek 1% above.

Meal at Budget Restaurant

$3.48 Rp 59.7K

$11.66 €9.92

-70.15%

Three-Course Dinner for Two, Mid-Range

$32.88 Rp 564.0K

$57.3 €48.75

-42.61%

Fast Food Meal (McDonalds, etc)

$5.09 Rp 87.3K

$9.51 €8.09

-46.48%

Cappuccino

$2.75 Rp 47.1K

$2.32 €1.98

18.53%

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

$1.38 Rp 23.7K

$3.01 €2.56

-54.15%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$2.16 €1.84

-67.13%

Local Beer (0.5 liter draught)

$2.88 Rp 49.4K

$2.93 €2.49

-1.71%

Imported Beer (0.33 liter bottle)

$3.87 Rp 66.4K

$3.49 €2.97

10.89%

Milk (1 liter)

$1.79 Rp 30.7K

$1.14 €0.97

57.02%

White Bread (500g)

$2.45 Rp 42.0K

$1.27 €1.08

92.91%

Rice (white) (1kg)

$1.21 Rp 20.7K

$2.77 €2.36

-56.32%

Eggs

$2.39 Rp 40.9K

$3.12 €2.65

-23.40%

Local Cheese (1kg)

$14.70 Rp 252.1K

$10.96 €9.33

34.12%

Chicken Fillets (1kg)

$4.24 Rp 72.7K

$7.41 €6.31

-42.78%

Beef Round Steak (1kg)

$12.08 Rp 207.1K

$11.06 €9.41

9.22%

Apples (1kg)

$3.66 Rp 62.9K

$1.40 €1.19

161.43%

Banana (1kg)

$1.61 Rp 27.6K

$1.66 €1.42

-3.01%

Oranges (1kg)

$2.72 Rp 46.6K

$1.56 €1.33

74.36%

Tomato (1kg)

$2.27 Rp 39.0K

$2.41 €2.05

-5.81%

Potato (1kg)

$1.90 Rp 32.6K

$0.96 €0.82

97.92%

Onion (1kg)

$2.30 Rp 39.4K

$1.22 €1.04

88.52%

Lettuce (1 head)

$1.02 Rp 17.4K

$1.17 €0.99

-12.82%

Water (1.5 liter bottle)

$0.78 Rp 13.4K

$0.91 €0.78

-14.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.24 Rp 55.7K

$5.58 €4.75

-41.94%

Wine (Bottle)

$24.06 Rp 412.7K

$8.16 €6.95

194.85%

Local Beer (0.5 liter bottle)

$2.84 Rp 48.7K

$1.42 €1.21

100.00%

Imported Beer (0.33 liter bottle)

$2.79 Rp 47.8K

$1.94 €1.65

43.81%

One-way Ticket (Public Transport)

$0.27 Rp 4,610

$1.75 €1.49

-84.57%

Public Transport Monthly Pass (Regular Price)

$8.24 Rp 141.4K

$43.04 €36.63

-80.86%

Taxi Start (Normal Tariff)

$0.45 Rp 7,708

$2.26 €1.93

-80.09%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,305

$1.01 €0.86

-57.43%

Taxi 1hour Waiting (Normal Tariff)

$6.02 Rp 103.3K

$5.92 €5.04

1.69%

Gasoline (1 liter)

$0.86 Rp 14.7K

$1.79 €1.52

-51.96%

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

$26.1K Rp 447.1M

$34.8K €29.6K

-25.07%

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

$31.7K Rp 543.7M

$26.8K €22.8K

18.37%

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

$78.3 Rp 1.3M

$197 €168

-60.22%

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

$4.00 Rp 68.5K

$19.62 €16.69

-79.61%

Internet (50+ Mbps, Unlimited Data)

$24.35 Rp 417.7K

$30.63 €26.06

-20.50%

Gym Membership (Monthly)

$95.8 Rp 1.6M

$36.51 €31.07

162.31%

Tennis Court (1 Hour on Weekend)

$6.46 Rp 110.7K

$11.86 €10.09

-45.53%

Cinema Ticket

$4.01 Rp 68.7K

$7.61 €6.48

-47.31%

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

$302 Rp 5.2M

$348 €296

-13.25%

International Primary School, 1 Child (Yearly)

$6,545 Rp 112.3M

$2,821 €2,401

132.01%

Jeans (Levis 501 Or Similar)

$53.4 Rp 916.3K

$101 €85.8

-46.98%

Summer Dress (H&M, Zara, etc)

$38.55 Rp 661.2K

$40.18 €34.19

-4.06%

Sport Shoes (Adidas, Nike)

$89.1 Rp 1.5M

$98.8 €84.1

-9.86%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$116 €98.5

-31.82%

1-bedroom Apartment, City Center (Monthly)

$1,016 Rp 17.4M

$534 €455

90.10%

1-bedroom Apartment, Outside City Center (Monthly)

$672 Rp 11.5M

$398 €338

69.00%

3-bedroom Apartment, City Center (Monthly)

$3,368 Rp 57.8M

$954 €812

252.91%

3-bedroom Apartment, Outside City Center (Monthly)

$2,108 Rp 36.2M

$707 €602

198.09%

Buy Apartment in City Center (m2)

$3,001 Rp 51.5M

$2,627 €2,235

14.26%

Buy Apartment Outside City Center (m2)

$2,337 Rp 40.1M

$2,063 €1,756

13.26%

Average Monthly Net Salary (After Tax)

$178 Rp 3.0M

$1,427 €1,214

-87.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

3.72

256.99%

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

Last update for Ubud, Bali: April 12, 2026

Last update for Osijek: April 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,016 in Ubud, Bali and $534 in Osijek. Housing cost is often the main lever when comparing two cities.

Osijek pays 704% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33 in Ubud, Bali vs $57 in Osijek. Groceries flip the comparison at $300 vs $234, with Osijek 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 Osijek: Cost of Living - Frequently Asked Questions

Osijek is cheaper overall, especially in Groceries & Markets, Sport & Entertainment. The 3% gap adds up to real monthly savings that compound significantly over time.

On paper, Osijek earns 704% less. 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: $1,016 in Ubud, Bali versus $534 in Osijek. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Osijek – a meal for two runs $57.0 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,357 in Osijek versus $1,395 in Ubud, Bali, a $1,500 budget is realistic in Osijek but tight or insufficient in Ubud, Bali. The gap between the two cities makes Osijek the clear choice for anyone on this budget.

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

Safety-wise, Ubud, Bali and Osijek 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 Osijek gentler on the wallet – expenses run 3% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.