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: $1,378 in Ubud, Bali versus $1,456 in Osijek.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $2,297 in Osijek.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $3,139 in Osijek.

Living in Ubud, Bali costs roughly 5% less than in Osijek, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, Osijek 6% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$11.60 €10.00

-71.29%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$58.8 €50.7

-39.08%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$9.35 €8.06

-39.79%

Cappuccino

$2.82 Rp 49.7K

$2.79 €2.41

1.08%

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

$1.75 Rp 30.8K

$3.42 €2.95

-48.83%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$2.90 €2.50

-72.41%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$5.83 €5.02

-47.86%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$5.86 €5.05

-26.62%

Milk (1 liter)

$1.61 Rp 28.3K

$1.20 €1.03

34.17%

White Bread (500g)

$2.27 Rp 39.9K

$1.55 €1.33

46.45%

Rice (white) (1kg)

$1.17 Rp 20.6K

$3.02 €2.60

-61.26%

Eggs

$2.17 Rp 38.2K

$3.73 €3.22

-41.82%

Local Cheese (1kg)

$17.63 Rp 310.5K

$12.21 €10.53

44.39%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$8.73 €7.52

-53.61%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$12.40 €10.68

-1.77%

Apples (1kg)

$3.62 Rp 63.7K

$1.75 €1.51

106.86%

Banana (1kg)

$1.64 Rp 28.8K

$1.74 €1.50

-5.75%

Oranges (1kg)

$2.31 Rp 40.6K

$1.97 €1.69

17.26%

Tomato (1kg)

$1.96 Rp 34.5K

$2.73 €2.35

-28.21%

Potato (1kg)

$1.84 Rp 32.5K

$1.30 €1.12

41.54%

Onion (1kg)

$2.37 Rp 41.7K

$1.23 €1.06

92.68%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.26 €1.09

-16.67%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.20 €1.03

-55.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$5.92 €5.10

-61.15%

Wine (Bottle)

$23.08 Rp 406.4K

$8.54 €7.36

170.26%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.64 €1.42

42.68%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.06 €1.78

49.03%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.68 €1.45

-85.12%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$38.19 €32.92

-75.33%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$2.28 €1.97

-78.51%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$1.13 €0.97

-58.41%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$15.10 €13.02

-62.91%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.86 €1.60

-56.45%

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

$25.0K Rp 440.3M

$27.2K €23.4K

-8.04%

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

$31.1K Rp 547.0M

$26.0K €22.4K

19.64%

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

$82.7 Rp 1.5M

$203 €175

-59.27%

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

$6.49 Rp 114.2K

$22.46 €19.36

-71.10%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$44.98 €38.77

-58.23%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$49.22 €42.43

12.23%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$8.59 €7.40

111.99%

Cinema Ticket

$4.30 Rp 75.7K

$10.37 €8.94

-58.53%

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

$494 Rp 8.7M

$417 €359

18.55%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$4,366 €3,764

35.52%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$109 €93.7

-57.44%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$40.85 €35.21

-10.80%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$107 €92.6

-24.84%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$113 €97.0

-29.97%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$660 €569

68.81%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$432 €373

60.30%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,253 €1,080

190.41%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$871 €751

96.55%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$2,813 €2,425

-1.86%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$2,215 €1,909

3.52%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$1,396 €1,203

-88.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.72

270.43%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Osijek: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $660 in Osijek. Housing cost is often the main lever when comparing two cities.

Osijek pays 735% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $59.0 in Osijek. Groceries flip the comparison at $294 vs $268, 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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet, Getting Around. The 6% 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: $1,114 in Ubud, Bali versus $660 in Osijek. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Osijek pay roughly 10% 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 $36.00 versus $59.0 in Osijek. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,378 in Ubud, Bali versus $1,456 in Osijek, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Osijek. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Osijek, 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 Ubud, Bali gentler on the wallet – expenses run 6% less than in Osijek. Beyond cost, consider language, visa policies, and how big the international community is in each city.