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

Monthly Cost of Living

A single person spends $1,378 per month in Ubud, Bali vs $1,357 in Podgorica, rent included.

A couple spends around $2,327 per month in Ubud, Bali vs $2,167 in Podgorica, rent included.

A family of three spends $3,275 per month in Ubud, Bali vs $2,977 in Podgorica, rent included.

Ubud, Bali costs about 2% more than Podgorica, driven mainly by Eating Out.

Ubud, Bali sits 0% above the global median, while Podgorica is 2% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$11.56 €9.96

-71.19%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$46.72 €40.27

-23.33%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$10.11 €8.71

-44.31%

Cappuccino

$2.82 Rp 49.7K

$2.21 €1.91

27.60%

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

$1.75 Rp 30.8K

$2.62 €2.26

-33.21%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$1.42 €1.22

-43.66%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$2.84 €2.45

7.04%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$3.41 €2.94

26.10%

Milk (1 liter)

$1.61 Rp 28.3K

$1.41 €1.22

14.18%

White Bread (500g)

$2.27 Rp 39.9K

$1.02 €0.88

122.55%

Rice (white) (1kg)

$1.17 Rp 20.6K

$2.12 €1.82

-44.81%

Eggs

$2.17 Rp 38.2K

$3.73 €3.21

-41.82%

Local Cheese (1kg)

$17.63 Rp 310.5K

$9.24 €7.96

90.80%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$8.31 €7.16

-51.26%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$12.45 €10.73

-2.17%

Apples (1kg)

$3.62 Rp 63.7K

$1.76 €1.52

105.68%

Banana (1kg)

$1.64 Rp 28.8K

$1.84 €1.58

-10.87%

Oranges (1kg)

$2.31 Rp 40.6K

$1.90 €1.64

21.58%

Tomato (1kg)

$1.96 Rp 34.5K

$2.50 €2.15

-21.60%

Potato (1kg)

$1.84 Rp 32.5K

$0.98 €0.85

87.76%

Onion (1kg)

$2.37 Rp 41.7K

$1.10 €0.95

115.45%

Lettuce (1 head)

$1.05 Rp 18.5K

$1.74 €1.50

-39.66%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$0.85 €0.73

-36.47%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$4.42 €3.81

-47.96%

Wine (Bottle)

$23.08 Rp 406.4K

$5.72 €4.93

303.50%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$1.13 €0.97

107.08%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$1.89 €1.63

62.43%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$1.04 €0.90

-75.96%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$34.43 €29.68

-72.64%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$0.76 €0.65

-35.53%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$0.82 €0.71

-42.68%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$11.53 €9.94

-51.43%

Gasoline (1 liter)

$0.81 Rp 14.2K

$1.89 €1.63

-57.14%

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

$25.0K Rp 440.3M

$31.6K €27.2K

-20.81%

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

$31.1K Rp 547.0M

$27.7K €23.9K

12.09%

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

$82.7 Rp 1.5M

$123 €106

-32.94%

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

$6.49 Rp 114.2K

$19.97 €17.21

-67.50%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$34.65 €29.87

-45.77%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$47.21 €40.70

17.01%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$13.77 €11.87

32.24%

Cinema Ticket

$4.30 Rp 75.7K

$6.47 €5.58

-33.54%

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

$494 Rp 8.7M

$376 €324

31.51%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$7,723 €6,657

-23.38%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$91.4 €78.8

-49.35%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$49.71 €42.85

-26.69%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$100 €86.5

-19.53%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$118 €102

-33.45%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$665 €573

67.49%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$507 €437

36.87%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$1,326 €1,143

174.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$1,023 €882

67.32%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$3,161 €2,725

-12.66%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$2,411 €2,078

-4.90%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$1,205 €1,039

-86.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.33

158.54%

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

Last update for Ubud, Bali: September 6, 2026

Last update for Podgorica: September 6, 2026

Cost Breakdown

A central one-bedroom costs $1,114 in Ubud, Bali versus $665 in Podgorica. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 621% higher in Podgorica, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $36.00 in Ubud, Bali versus $47.00 in Podgorica. Groceries tell a different story – $294 in Ubud, Bali vs $237 in Podgorica – so Podgorica wins on supermarket bills even if dining out costs more.

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 Podgorica: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,378 in Ubud, Bali, $1,357 in Podgorica – roughly 2% apart. Ubud, Bali costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,067 per month in Ubud, Bali and $2,035 in Podgorica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Podgorica, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $494 per month in Ubud, Bali and $376 in Podgorica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 24% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Podgorica, where all-in costs run around $1,357, than in Ubud, Bali at $1,378. In Podgorica it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,357 in Podgorica to $1,378 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Podgorica. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.