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: $1,408 in Ubud, Bali versus $1,318 in Osijek.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,059 in Osijek.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $2,801 in Osijek.

Living in Ubud, Bali is roughly 7% more expensive than in Osijek, driven mainly by Eating Out.

The two cities straddle the global median: Ubud, Bali is 5% above, Osijek is 1% below.

Meal at Budget Restaurant

$3.45 Rp 62.1K

$11.50 €10.07

-70.00%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 581.1K

$58.4 €51.1

-44.61%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 87.1K

$9.04 €7.92

-46.46%

Cappuccino

$2.75 Rp 49.4K

$2.24 €1.96

22.77%

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

$1.38 Rp 24.9K

$3.03 €2.65

-54.46%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$2.15 €1.88

-65.12%

Local Beer (0.5 liter draught)

$2.99 Rp 53.8K

$2.94 €2.58

1.70%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.2K

$3.42 €3.00

12.57%

Milk (1 liter)

$1.74 Rp 31.2K

$1.18 €1.03

47.46%

White Bread (500g)

$2.46 Rp 44.2K

$1.21 €1.06

103.31%

Rice (white) (1kg)

$1.17 Rp 21.0K

$2.68 €2.35

-56.34%

Eggs

$2.43 Rp 43.7K

$3.10 €2.72

-21.61%

Local Cheese (1kg)

$14.50 Rp 260.6K

$10.84 €9.49

33.76%

Chicken Fillets (1kg)

$4.35 Rp 78.2K

$7.39 €6.47

-41.14%

Beef Round Steak (1kg)

$11.98 Rp 215.3K

$11.13 €9.74

7.64%

Apples (1kg)

$3.72 Rp 66.8K

$1.39 €1.22

167.63%

Banana (1kg)

$1.63 Rp 29.2K

$1.59 €1.40

2.52%

Oranges (1kg)

$2.74 Rp 49.3K

$1.62 €1.42

69.14%

Tomato (1kg)

$2.24 Rp 40.3K

$2.44 €2.13

-8.20%

Potato (1kg)

$1.92 Rp 34.5K

$0.97 €0.85

97.94%

Onion (1kg)

$2.28 Rp 40.9K

$1.19 €1.04

91.60%

Lettuce (1 head)

$1.06 Rp 19.1K

$1.18 €1.03

-10.17%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$0.96 €0.84

-25.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 59.0K

$5.47 €4.79

-39.85%

Wine (Bottle)

$23.19 Rp 416.8K

$8.11 €7.10

185.94%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.9K

$1.44 €1.26

93.06%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.1K

$1.95 €1.71

40.00%

One-way Ticket (Public Transport)

$0.27 Rp 4,786

$1.72 €1.51

-84.30%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.7K

$42.22 €36.97

-80.79%

Taxi Start (Normal Tariff)

$0.48 Rp 8,675

$2.26 €1.98

-78.76%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,545

$1.06 €0.93

-60.38%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.8K

$5.74 €5.03

8.36%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.79 €1.57

-54.75%

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

$26.6K Rp 478.2M

$35.0K €30.7K

-24.06%

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

$32.2K Rp 578.5M

$26.5K €23.2K

21.63%

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

$78.4 Rp 1.4M

$191 €167

-58.89%

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

$4.07 Rp 73.1K

$20.21 €17.70

-79.86%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 437.1K

$31.52 €27.61

-22.81%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$36.13 €31.64

172.93%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.9K

$12.10 €10.60

-47.60%

Cinema Ticket

$3.99 Rp 71.6K

$7.64 €6.69

-47.77%

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

$305 Rp 5.5M

$354 €310

-13.91%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.4M

$2,807 €2,458

136.65%

Jeans (Levis 501 Or Similar)

$54.1 Rp 972.9K

$101 €88.1

-46.20%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 679.4K

$39.68 €34.75

-4.71%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$96.0 €84.1

-9.55%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$115 €101

-33.67%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$536 €469

85.13%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$394 €345

70.76%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.7M

$958 €839

252.40%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$712 €624

187.75%

Buy Apartment in City Center (m2)

$2,805 Rp 50.4M

$2,718 €2,380

3.20%

Buy Apartment Outside City Center (m2)

$2,227 Rp 40.0M

$2,186 €1,914

1.88%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

$1,394 €1,221

-88.02%

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: July 11, 2026

Last update for Osijek: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $536 in Osijek. Housing cost is often the main lever when comparing two cities.

Osijek pays 735% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $32.00 in Ubud, Bali vs $58.0 in Osijek. Groceries flip the comparison at $297 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 7% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 735% lower in Osijek. 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: $992 in Ubud, Bali versus $536 in Osijek. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 27% 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 $32.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,318 in Osijek versus $1,408 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 7% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.