Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zadar

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,687 in Zadar, rent and utilities included – about $3,800 less a year. Other living expenses account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
82

Cost of Living Index in Zadar
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Zadar Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Zadar

🇭🇷 Croatia

$1,687

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,687 in Zadar.

Ubud, Bali $1,368
Zadar $1,687

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $2,572 in Zadar.

Ubud, Bali $2,314
Zadar $2,572

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $3,457 in Zadar.

Ubud, Bali $3,260
Zadar $3,457

Living in Ubud, Bali costs roughly 19% less than in Zadar, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Zadar 25% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$14.55 €12.95

-77.11%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$78.3 €69.7

-55.09%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$7.67 €6.83

-24.38%

Cappuccino

$2.73 Rp 49.1K

$2.40 €2.13

13.75%

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

$1.64 Rp 29.5K

$2.96 €2.63

-44.59%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.19 €1.95

-62.10%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$3.29 €2.92

-17.93%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$4.54 €4.04

-5.29%

Milk (1 liter)

$1.50 Rp 27.1K

$1.17 €1.04

28.21%

White Bread (500g)

$2.30 Rp 41.4K

$1.63 €1.45

41.10%

Rice (white) (1kg)

$1.18 Rp 21.2K

$3.14 €2.79

-62.42%

Eggs

$2.14 Rp 38.6K

$3.77 €3.35

-43.24%

Local Cheese (1kg)

$17.48 Rp 314.6K

$10.80 €9.61

61.85%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$9.47 €8.43

-57.44%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$12.03 €10.71

1.66%

Apples (1kg)

$3.55 Rp 63.9K

$1.98 €1.76

79.29%

Banana (1kg)

$1.57 Rp 28.3K

$1.52 €1.35

3.29%

Oranges (1kg)

$2.24 Rp 40.2K

$2.16 €1.92

3.70%

Tomato (1kg)

$1.93 Rp 34.7K

$2.60 €2.31

-25.77%

Potato (1kg)

$1.88 Rp 33.9K

$2.21 €1.97

-14.93%

Onion (1kg)

$2.29 Rp 41.3K

$1.32 €1.18

73.48%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.32 €1.17

-25.00%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.25 €1.12

-57.60%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$5.59 €4.98

-59.21%

Wine (Bottle)

$23.01 Rp 414.2K

$7.83 €6.97

193.87%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$1.35 €1.20

73.33%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$1.41 €1.25

106.38%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.75 €1.56

-86.29%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$43.69 €38.86

-79.81%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$3.42 €3.04

-85.96%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$2.22 €1.97

-79.28%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$22.05 €19.61

-75.28%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.78 €1.59

-50.56%

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

$24.6K Rp 442.2M

$26.3K €23.4K

-6.44%

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

$31.2K Rp 561.4M

$25.1K €22.3K

24.29%

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

$83.0 Rp 1.5M

$182 €162

-54.45%

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

$6.45 Rp 116.0K

$22.01 €19.58

-70.70%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$40.17 €35.73

-53.77%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$56.1 €49.92

-0.53%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$17.02 €15.14

6.40%

Cinema Ticket

$4.38 Rp 78.9K

$10.58 €9.41

-58.60%

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

$493 Rp 8.9M

$240 €214

105.24%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$6,907 €6,144

-16.70%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$88.4 €78.6

-47.74%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$35.68 €31.74

-0.98%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$104 €92.7

-24.07%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$77.5 €69.0

1.14%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$904 €804

26.37%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$681 €606

-0.86%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$1,460 €1,299

139.94%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,135 €1,009

49.80%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$4,481 €3,985

-37.86%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$4,044 €3,597

-44.59%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$1,360 €1,210

-87.90%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.54

289.27%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Zadar: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Zadar

$681 40.4% 0.9% $5.8

Groceries & Markets

Ubud, Bali

$290 21.2%

Zadar

$267 15.8% 8.1% $23

Eating Out

Ubud, Bali

$109 8%

Zadar

$214 12.7% 97% $106

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Zadar

$244 14.5% 126% $136

Clothing & Footwear

Ubud, Bali

$108 7.9%

Zadar

$138 8.2% 27.9% $30

Sport & Entertainment

Ubud, Bali

$65 4.7%

Zadar

$77 4.6% 19.7% $13

Getting Around

Ubud, Bali

$13 0.9%

Zadar

$65 3.9% 419% $53

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $904 in Zadar. Housing cost is often the main lever when comparing two cities.

Zadar pays 727% 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: $35.00 in Ubud, Bali vs $78.0 in Zadar. Groceries flip the comparison at $290 vs $267, with Zadar cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Zadar

🕒 Local time

04:13 4:13 AM

22:13 10:13 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

67,309

💱 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 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 17, 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 Zadar 11,460 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Zadar

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 Zadar: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 23% lower than in Zadar. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 727% lower in Zadar. 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: $1,142 in Ubud, Bali versus $904 in Zadar. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $240 in Zadar. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zadar pay roughly 9% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,368 in Ubud, Bali versus $1,687 in Zadar, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zadar. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,368 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Zadar 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 23% less than in Zadar. Beyond cost, consider language, visa policies, and how big the international community is in each city.