Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Tivat

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,651 in Tivat, rent and utilities included – about $3,600 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Tivat

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Tivat actually costs, broken down by who's living it.

A single person spends $1,353 per month in Ubud, Bali vs $1,651 in Tivat, rent included.

Ubud, Bali $1,353
Tivat $1,651

A couple spends around $2,297 per month in Ubud, Bali vs $2,494 in Tivat, rent included.

Ubud, Bali $2,297
Tivat $2,494

A family of three spends $3,241 per month in Ubud, Bali vs $3,338 in Tivat, rent included.

Ubud, Bali $3,241
Tivat $3,338

Ubud, Bali is about 18% cheaper than Tivat, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Tivat sit above the global median – Ubud, Bali by 0%, Tivat by 22%.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$11.18 €9.95

-71.11%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$45.70 €40.65

-23.68%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$10.86 €9.66

-47.51%

Cappuccino

$2.62 Rp 47.1K

$2.21 €1.97

18.55%

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

$1.72 Rp 31.0K

$2.58 €2.30

-33.33%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.40 €1.25

-42.14%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.17 €2.82

-16.40%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.31 €2.94

32.02%

Milk (1 liter)

$1.57 Rp 28.3K

$1.29 €1.14

21.71%

White Bread (500g)

$2.19 Rp 39.5K

$1.09 €0.97

100.92%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.94 €1.72

-39.18%

Eggs

$2.16 Rp 38.8K

$3.36 €2.99

-35.71%

Local Cheese (1kg)

$17.65 Rp 317.7K

$8.92 €7.93

97.87%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$8.07 €7.18

-53.16%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$12.30 €10.94

-2.85%

Apples (1kg)

$3.60 Rp 64.8K

$1.62 €1.44

122.22%

Banana (1kg)

$1.59 Rp 28.6K

$1.68 €1.50

-5.36%

Oranges (1kg)

$2.31 Rp 41.6K

$1.73 €1.54

33.53%

Tomato (1kg)

$1.91 Rp 34.3K

$2.88 €2.56

-33.68%

Potato (1kg)

$1.78 Rp 32.1K

$0.92 €0.82

93.48%

Onion (1kg)

$2.33 Rp 41.9K

$1.12 €1.00

108.04%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.67 €1.48

-40.12%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.89 €0.79

-40.45%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.34 €3.86

-47.24%

Wine (Bottle)

$22.07 Rp 397.3K

$5.56 €4.94

296.94%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.09 €0.97

115.60%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.68 €1.49

77.38%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.71 €1.52

-86.55%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$39.50 €35.14

-77.47%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.14 €1.01

-58.77%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.15 €1.02

-62.61%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$11.35 €10.10

-51.81%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.79 €1.60

-53.63%

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

$23.9K Rp 429.8M

$27.8K €24.7K

-14.01%

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

$32.8K Rp 590.1M

$25.6K €22.8K

28.11%

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

$80.0 Rp 1.4M

$127 €113

-37.19%

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

$6.56 Rp 118.1K

$15.03 €13.37

-56.35%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$33.55 €29.84

-44.56%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$46.87 €41.69

15.47%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$15.38 €13.68

18.86%

Cinema Ticket

$4.25 Rp 76.5K

$6.00 €5.33

-29.17%

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

$493 Rp 8.9M

$407 €362

21.11%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$7,455 €6,632

-24.93%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$87.0 €77.4

-47.62%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$39.46 €35.10

-11.40%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$97.8 €87.0

-20.52%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$104 €92.4

-24.42%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$884 €786

28.00%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$797 €709

-15.59%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,996 €1,775

81.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$1,433 €1,275

18.73%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$5,841 €5,196

-53.48%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,688 €2,391

-16.61%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$1,214 €1,080

-86.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.38

156.13%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Tivat: October 19, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Ubud, Bali

$673 49.7%

Tivat

$797 48.3% 18.5% $124

Groceries & Markets

Ubud, Bali

$287 21.2%

Tivat

$231 14% 19.7% $56

Clothing & Footwear

Ubud, Bali

$107 7.9%

Tivat

$148 9% 38.6% $41

Eating Out

Ubud, Bali

$106 7.9%

Tivat

$187 11.3% 75.7% $81

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Tivat

$176 10.7% 67.3% $71

Sport & Entertainment

Ubud, Bali

$63 4.6%

Tivat

$59 3.6% 6% $3.8

Getting Around

Ubud, Bali

$12 0.9%

Tivat

$53 3.2% 328% $41

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $884 in Tivat. 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 630% higher in Tivat, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $46.00 in Tivat. Groceries tell a different story – $287 in Ubud, Bali vs $231 in Tivat – so Tivat wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇲🇪 Tivat

🕒 Local time

21:57 9:57 PM

15:57 3:57 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

9,500

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 22, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Tivat 11,180 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Tivat

Distances are measured in a straight line. Your location is detected approximately.

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 Tivat: Cost of Living - Frequently Asked Questions

Tivat costs about 22% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $2,476 in Tivat. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 344% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $493 per month in Ubud, Bali and $407 in Tivat. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,353, than in Tivat at $1,651. In Ubud, Bali it covers expenses comfortably, while in Tivat it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,353 versus $1,651 in Tivat. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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