Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zabljak

For one person, living is cheaper in Zabljak: $1,128 a month against $1,353 in Ubud, Bali, rent and utilities included – about $2,700 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
55

Cost of Living Index in Zabljak
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Zabljak Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Zabljak

🇲🇪 Montenegro

$1,128

/mo nomad

Monthly Cost of Living

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

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 Zabljak actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,128 in Zabljak.

Ubud, Bali $1,353
Zabljak $1,128

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,769 in Zabljak.

Ubud, Bali $2,297
Zabljak $1,769

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,410 in Zabljak.

Ubud, Bali $3,241
Zabljak $2,410

Living in Ubud, Bali is roughly 20% more expensive than in Zabljak, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Zabljak is 17% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$7.95 €7.08

-59.37%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$31.82 €28.30

9.62%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$6.55 €5.82

-12.98%

Cappuccino

$2.62 Rp 47.1K

$1.63 €1.45

60.74%

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

$1.72 Rp 31.0K

$2.24 €2.00

-23.21%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.45 €1.29

-44.14%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$3.00 €2.66

-11.67%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$3.54 €3.15

23.45%

Milk (1 liter)

$1.57 Rp 28.3K

$1.27 €1.13

23.62%

White Bread (500g)

$2.19 Rp 39.5K

$0.65 €0.57

236.92%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.31 €1.17

-9.92%

Eggs

$2.16 Rp 38.8K

$2.97 €2.64

-27.27%

Local Cheese (1kg)

$17.65 Rp 317.7K

$7.08 €6.30

149.29%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$7.22 €6.42

-47.65%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$12.23 €10.88

-2.29%

Apples (1kg)

$3.60 Rp 64.8K

$1.32 €1.17

172.73%

Banana (1kg)

$1.59 Rp 28.6K

$1.67 €1.49

-4.79%

Oranges (1kg)

$2.31 Rp 41.6K

$1.51 €1.34

52.98%

Tomato (1kg)

$1.91 Rp 34.3K

$1.41 €1.26

35.46%

Potato (1kg)

$1.78 Rp 32.1K

$0.65 €0.58

173.85%

Onion (1kg)

$2.33 Rp 41.9K

$0.70 €0.62

232.86%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.91 €0.81

9.89%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.96 €0.86

-44.79%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$4.01 €3.57

-42.89%

Wine (Bottle)

$22.07 Rp 397.3K

$4.41 €3.92

400.45%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$1.07 €0.95

119.63%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$1.73 €1.54

72.25%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.63 €1.45

-85.89%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$39.55 €35.18

-77.50%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.14 €1.02

-58.77%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.64 €0.57

-32.81%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$17.00 €15.12

-67.82%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.77 €1.57

-53.11%

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

$23.9K Rp 429.8M

$29.3K €26.1K

-18.57%

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

$32.8K Rp 590.1M

$25.6K €22.7K

28.28%

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

$80.0 Rp 1.4M

$113 €101

-29.35%

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

$6.56 Rp 118.1K

$15.02 €13.36

-56.32%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$22.02 €19.58

-15.53%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$46.30 €41.18

16.89%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$14.72 €13.10

24.18%

Cinema Ticket

$4.25 Rp 76.5K

$6.21 €5.53

-31.56%

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

$493 Rp 8.9M

$392 €349

25.62%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$9,812 €8,728

-42.96%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$22.65 €20.15

101.24%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$27.47 €24.43

27.27%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$55.0 €48.89

41.41%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$67.7 €60.2

15.97%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$645 €573

75.51%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$455 €405

47.92%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$1,277 €1,135

183.00%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$937 €834

81.60%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$3,324 €2,956

-18.24%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$2,357 €2,097

-4.93%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$801 €713

-79.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.95

131.60%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Zabljak: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Zabljak

$455 40.3% 32.4% $218

Groceries & Markets

Ubud, Bali

$287 21.2%

Zabljak

$196 17.4% 31.7% $91

Clothing & Footwear

Ubud, Bali

$107 7.9%

Zabljak

$78 6.9% 27% $29

Eating Out

Ubud, Bali

$106 7.9%

Zabljak

$140 12.4% 31.3% $33

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Zabljak

$150 13.3% 42.9% $45

Sport & Entertainment

Ubud, Bali

$63 4.6%

Zabljak

$59 5.2% 6.2% $3.9

Getting Around

Ubud, Bali

$12 0.9%

Zabljak

$50 4.5% 306% $38

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $645 in Zabljak. Housing cost is often the main lever when comparing two cities.

Zabljak pays 382% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $35.00 in Ubud, Bali vs $32.00 in Zabljak for a mid-range dinner for two. Groceries echo the gap at $287 vs $196 per month, with Zabljak cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇲🇪 Zabljak

🕒 Local time

12:31 12:31 PM

05:31 5:31 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

1,900

💱 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 25, 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 25, 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 Zabljak 11,150 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Zabljak

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 Zabljak: Cost of Living - Frequently Asked Questions

Zabljak wins on cost – living expenses run 20% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Zabljak the obvious pick if budget is a priority.

On paper, salaries run 382% lower in Zabljak. 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: $1,131 in Ubud, Bali versus $645 in Zabljak. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $392 in Zabljak. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 46% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,128 in Zabljak versus $1,353 in Ubud, Bali, a $2,000 budget is realistic in Zabljak but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zabljak the clear choice for anyone on this budget.

Both work as nomad bases, but Zabljak delivers better value – similar infrastructure at $1,128 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zabljak hard to pass up.

Safety-wise, Ubud, Bali and Zabljak 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 Zabljak gentler on the wallet – expenses run 20% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.