Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zagreb

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,772 in Zagreb, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
85

Cost of Living Index in Zagreb
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Zagreb Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,772 in Zagreb.

Ubud, Bali $1,349
Zagreb $1,772

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,619 in Zagreb.

Ubud, Bali $2,305
Zagreb $2,619

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,467 in Zagreb.

Ubud, Bali $3,261
Zagreb $3,467

Living in Ubud, Bali costs roughly 24% less than in Zagreb, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$12.33 €11.08

-73.07%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$63.9 €57.4

-44.26%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$8.01 €7.20

-30.96%

Cappuccino

$2.72 Rp 49.4K

$2.50 €2.25

8.80%

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

$1.70 Rp 30.9K

$3.09 €2.77

-44.98%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.62 €2.35

-70.99%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$3.42 €3.07

-22.51%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$4.51 €4.05

-2.88%

Milk (1 liter)

$1.49 Rp 27.1K

$1.27 €1.14

17.32%

White Bread (500g)

$2.28 Rp 41.4K

$1.60 €1.43

42.50%

Rice (white) (1kg)

$1.19 Rp 21.6K

$2.68 €2.41

-55.60%

Eggs

$2.04 Rp 37.0K

$3.95 €3.54

-48.35%

Local Cheese (1kg)

$17.70 Rp 321.7K

$14.58 €13.10

21.40%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$11.47 €10.30

-65.48%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$17.35 €15.58

-29.74%

Apples (1kg)

$3.66 Rp 66.4K

$2.31 €2.07

58.44%

Banana (1kg)

$1.52 Rp 27.6K

$1.65 €1.48

-7.88%

Oranges (1kg)

$2.23 Rp 40.5K

$2.19 €1.96

1.83%

Tomato (1kg)

$1.97 Rp 35.9K

$2.56 €2.30

-23.05%

Potato (1kg)

$1.85 Rp 33.6K

$1.36 €1.22

36.03%

Onion (1kg)

$2.42 Rp 44.1K

$1.20 €1.08

101.67%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.19 €1.07

-16.81%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.29 €1.16

-60.47%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$6.08 €5.46

-63.49%

Wine (Bottle)

$22.24 Rp 404.2K

$11.07 €9.94

100.90%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$1.69 €1.51

33.73%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.46 €2.21

20.73%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$0.57 €0.51

-56.14%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$53.2 €47.82

-85.31%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$2.18 €1.96

-79.82%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$1.44 €1.29

-70.14%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$12.39 €11.13

-56.34%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.90 €1.70

-56.84%

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

$23.8K Rp 433.3M

$27.9K €25.1K

-14.63%

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

$31.7K Rp 577.0M

$26.0K €23.4K

22.05%

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

$79.1 Rp 1.4M

$215 €193

-63.22%

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

$6.45 Rp 117.2K

$22.34 €20.07

-71.13%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$38.73 €34.79

-52.03%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$48.65 €43.70

1.71%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$18.95 €17.02

-6.86%

Cinema Ticket

$4.27 Rp 77.7K

$10.41 €9.35

-58.98%

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

$491 Rp 8.9M

$499 €448

-1.71%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$9,720 €8,731

-41.63%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$109 €97.6

-58.90%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$42.23 €37.93

-17.24%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$102 €91.9

-21.88%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$111 €99.3

-28.15%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$888 €798

26.62%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$683 €614

-1.68%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,468 €1,319

142.74%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,066 €958

61.61%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$5,275 €4,739

-48.22%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$3,670 €3,297

-37.76%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,975 €1,774

-91.70%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

3.3

317.58%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Zagreb: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Zagreb

$683 38.5% 1.7% $11

Groceries & Markets

Ubud, Bali

$288 21.4%

Zagreb

$314 17.7% 8.7% $25

Eating Out

Ubud, Bali

$108 8%

Zagreb

$202 11.4% 87.2% $94

Clothing & Footwear

Ubud, Bali

$108 8%

Zagreb

$164 9.2% 52.2% $56

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Zagreb

$276 15.6% 165% $172

Sport & Entertainment

Ubud, Bali

$58 4.3%

Zagreb

$69 3.9% 19.7% $11

Getting Around

Ubud, Bali

$11 0.9%

Zagreb

$65 3.7% 468% $53

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $888 in Zagreb. Housing cost is often the main lever when comparing two cities.

Zagreb pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $64 in Zagreb for a mid-range dinner for two. Groceries echo the gap at $288 vs $314 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Zagreb

🕒 Local time

21:04 9:04 PM

14:04 2:04 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

767,131 Capital

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 EUR = 1.11 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 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Zagreb 11,400 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Zagreb

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 Zagreb: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 24% lower than in Zagreb. 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 92% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $888 in Zagreb. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $499 in Zagreb. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,349 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 Zagreb are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

It comes down to priorities – Ubud, Bali wins on affordability, Zagreb on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.