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: $1,419 in Ubud, Bali versus $1,354 in Osijek.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $2,057 in Osijek.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $2,760 in Osijek.

Living in Ubud, Bali is roughly 5% more expensive than Osijek, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 6% above, Osijek 1% above.

Meal at Budget Restaurant

$3.56 Rp 64.3K

$11.51 €9.91

-69.07%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 590.3K

$57.5 €49.52

-43.10%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 89.2K

$9.20 €7.92

-46.20%

Cappuccino

$2.71 Rp 48.9K

$2.26 €1.94

19.91%

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

$1.34 Rp 24.2K

$2.96 €2.55

-54.73%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$2.09 €1.80

-66.51%

Local Beer (0.5 liter draught)

$2.92 Rp 52.7K

$2.91 €2.50

0.34%

Imported Beer (0.33 liter bottle)

$3.96 Rp 71.4K

$3.52 €3.03

12.50%

Milk (1 liter)

$1.81 Rp 32.6K

$1.15 €0.99

57.39%

White Bread (500g)

$2.52 Rp 45.4K

$1.27 €1.09

98.43%

Rice (white) (1kg)

$1.16 Rp 20.9K

$2.65 €2.28

-56.23%

Eggs

$2.46 Rp 44.4K

$3.12 €2.69

-21.15%

Local Cheese (1kg)

$14.71 Rp 265.3K

$10.86 €9.35

35.45%

Chicken Fillets (1kg)

$4.32 Rp 77.9K

$7.37 €6.35

-41.38%

Beef Round Steak (1kg)

$12.14 Rp 218.9K

$11.26 €9.69

7.82%

Apples (1kg)

$3.84 Rp 69.3K

$1.33 €1.15

188.72%

Banana (1kg)

$1.56 Rp 28.1K

$1.66 €1.43

-6.02%

Oranges (1kg)

$2.83 Rp 51.1K

$1.58 €1.36

79.11%

Tomato (1kg)

$2.33 Rp 41.9K

$2.43 €2.09

-4.12%

Potato (1kg)

$1.91 Rp 34.5K

$0.93 €0.80

105.38%

Onion (1kg)

$2.20 Rp 39.7K

$1.18 €1.02

86.44%

Lettuce (1 head)

$1.01 Rp 18.3K

$1.17 €1.01

-13.68%

Water (1.5 liter bottle)

$0.78 Rp 14.0K

$0.98 €0.84

-20.41%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.8K

$5.51 €4.74

-39.75%

Wine (Bottle)

$23.74 Rp 428.0K

$8.24 €7.10

188.11%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.3K

$1.42 €1.22

96.48%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.6K

$1.93 €1.66

48.19%

One-way Ticket (Public Transport)

$0.27 Rp 4,848

$1.70 €1.46

-84.12%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 144.8K

$41.79 €35.98

-80.78%

Taxi Start (Normal Tariff)

$0.46 Rp 8,230

$2.26 €1.95

-79.65%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,116

$1.06 €0.91

-57.55%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.9K

$5.71 €4.92

6.83%

Gasoline (1 liter)

$0.79 Rp 14.3K

$1.79 €1.54

-55.87%

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

$26.1K Rp 471.6M

$34.2K €29.4K

-23.49%

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

$32.1K Rp 579.2M

$26.0K €22.4K

23.43%

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

$79.9 Rp 1.4M

$193 €167

-58.67%

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

$4.06 Rp 73.3K

$19.77 €17.02

-79.46%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 424.1K

$30.45 €26.21

-22.76%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$36.68 €31.58

169.08%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 119.6K

$11.88 €10.22

-44.19%

Cinema Ticket

$4.15 Rp 74.8K

$7.44 €6.40

-44.22%

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

$304 Rp 5.5M

$349 €300

-12.83%

International Primary School, 1 Child (Yearly)

$6,613 Rp 119.3M

$2,788 €2,400

137.24%

Jeans (Levis 501 Or Similar)

$55.5 Rp 1.0M

$101 €87.2

-45.15%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 690.9K

$39.98 €34.42

-4.18%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$98.9 €85.1

-10.41%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$116 €100

-33.00%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.1M

$542 €467

85.60%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.2M

$401 €345

68.37%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 62.1M

$935 €805

268.19%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.8M

$711 €612

186.84%

Buy Apartment in City Center (m2)

$2,841 Rp 51.2M

$2,669 €2,298

6.44%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.8M

$2,065 €1,777

9.65%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,382 €1,189

-88.04%

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: June 1, 2026

Last update for Osijek: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $542 in Osijek. Housing cost is often the main lever when comparing two cities.

Osijek pays 736% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $33.00 in Ubud, Bali vs $58.0 in Osijek. Groceries flip the comparison at $302 vs $235, 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 5% gap adds up to real monthly savings that compound significantly over time.

On paper, Osijek earns 736% 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: $1,006 in Ubud, Bali versus $542 in Osijek. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 29% 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 $58.0 versus $33.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,354 in Osijek versus $1,419 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 5% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.