Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zenica

For one person, living is cheaper in Zenica: $850 a month against $1,368 in Ubud, Bali, rent and utilities included – about $6,200 less a year. Rent and utilities account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
41

Cost of Living Index in Zenica
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Zenica Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Zenica

🇧🇦 Bosnia and Herzegovina

$850

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $850 in Zenica.

Ubud, Bali $1,368
Zenica $850

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $1,245 in Zenica.

Ubud, Bali $2,314
Zenica $1,245

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $1,639 in Zenica.

Ubud, Bali $3,260
Zenica $1,639

Living in Ubud, Bali is roughly 61% more expensive than in Zenica, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 1% above, Zenica is 37% below.

Meal at Budget Restaurant

$3.33 Rp 59.7K

$6.98 BAM 12.19

-52.29%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 630.5K

$18.26 BAM 31.88

92.66%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.0K

$4.09 BAM 7.14

41.81%

Cappuccino

$2.73 Rp 48.9K

$1.59 BAM 2.78

71.70%

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

$1.64 Rp 29.4K

$1.69 BAM 2.96

-2.96%

Water (0.33 liter bottle)

$0.83 Rp 14.9K

$1.23 BAM 2.16

-32.52%

Local Beer (0.5 liter draught)

$2.70 Rp 48.4K

$1.99 BAM 3.47

35.68%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.0K

$2.01 BAM 3.52

113.93%

Milk (1 liter)

$1.50 Rp 27.0K

$1.27 BAM 2.22

18.11%

White Bread (500g)

$2.30 Rp 41.2K

$0.94 BAM 1.64

144.68%

Rice (white) (1kg)

$1.18 Rp 21.1K

$1.73 BAM 3.01

-31.79%

Eggs

$2.14 Rp 38.4K

$2.70 BAM 4.72

-20.74%

Local Cheese (1kg)

$17.48 Rp 313.3K

$7.58 BAM 13.23

130.61%

Chicken Fillets (1kg)

$4.03 Rp 72.2K

$7.07 BAM 12.34

-43.00%

Beef Round Steak (1kg)

$12.23 Rp 219.2K

$12.55 BAM 21.90

-2.55%

Apples (1kg)

$3.55 Rp 63.6K

$1.35 BAM 2.35

162.96%

Banana (1kg)

$1.57 Rp 28.2K

$1.59 BAM 2.78

-1.26%

Oranges (1kg)

$2.24 Rp 40.1K

$1.55 BAM 2.71

44.52%

Tomato (1kg)

$1.93 Rp 34.6K

$1.76 BAM 3.07

9.66%

Potato (1kg)

$1.88 Rp 33.8K

$1.01 BAM 1.77

86.14%

Onion (1kg)

$2.29 Rp 41.1K

$1.22 BAM 2.14

87.70%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.58 BAM 1.01

70.69%

Water (1.5 liter bottle)

$0.53 Rp 9,435

$0.70 BAM 1.23

-24.29%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 40.9K

$3.35 BAM 5.85

-31.94%

Wine (Bottle)

$23.01 Rp 412.5K

$5.58 BAM 9.75

312.37%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.0K

$0.85 BAM 1.48

175.29%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.2K

$0.99 BAM 1.74

193.94%

One-way Ticket (Public Transport)

$0.24 Rp 4,297

$0.90 BAM 1.57

-73.33%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.1K

$31.58 BAM 55.1

-72.07%

Taxi Start (Normal Tariff)

$0.48 Rp 8,648

$1.54 BAM 2.69

-68.83%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,198

$0.87 BAM 1.52

-47.13%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.8K

$8.73 BAM 15.24

-37.57%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.50 BAM 2.61

-41.33%

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

$24.6K Rp 440.4M

$30.7K BAM 53.5K

-19.86%

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

$31.2K Rp 559.0M

$21.7K BAM 37.9K

43.79%

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

$83.0 Rp 1.5M

$161 BAM 281

-48.43%

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

$6.45 Rp 115.5K

$18.28 BAM 31.91

-64.72%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 332.8K

$23.97 BAM 41.83

-22.53%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$24.06 BAM 41.99

132.00%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.6K

$14.24 BAM 24.86

27.18%

Cinema Ticket

$4.38 Rp 78.6K

$4.50 BAM 7.86

-2.67%

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

$493 Rp 8.8M

$134 BAM 235

266.64%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.1M

$3,848 BAM 6,716

49.52%

Jeans (Levis 501 Or Similar)

$46.19 Rp 828.0K

$50.4 BAM 87.9

-8.30%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 633.3K

$30.31 BAM 52.9

16.56%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$92.8 BAM 162

-14.75%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$86.9 BAM 152

-9.74%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.5M

$191 BAM 334

496.97%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.1M

$142 BAM 248

375.54%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 62.8M

$267 BAM 467

1209.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.5M

$200 BAM 349

750.72%

Buy Apartment in City Center (m2)

$2,784 Rp 49.9M

$1,584 BAM 2,764

75.77%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.2M

$1,280 BAM 2,235

74.98%

Average Monthly Net Salary (After Tax)

$165 Rp 2.9M

$653 BAM 1,140

-74.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

359.33%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Zenica: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Zenica

$142 16.7% 79% $534

Groceries & Markets

Ubud, Bali

$290 21.2%

Zenica

$201 23.6% 30.9% $90

Eating Out

Ubud, Bali

$109 8%

Zenica

$113 13.3% 3.8% $4.1

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Zenica

$203 23.9% 88.1% $95

Clothing & Footwear

Ubud, Bali

$108 7.9%

Zenica

$117 13.8% 8.9% $9.6

Sport & Entertainment

Ubud, Bali

$65 4.7%

Zenica

$33 3.9% 48.8% $32

Getting Around

Ubud, Bali

$13 0.9%

Zenica

$41 4.8% 227% $29

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $191 in Zenica. Housing cost is often the main lever when comparing two cities.

Zenica pays 297% 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 $18.00 in Zenica for a mid-range dinner for two. Groceries echo the gap at $290 vs $201 per month, with Zenica cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇧🇦 Zenica

🕒 Local time

19:09 7:09 PM

13:09 1:09 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

70,533

💱 Currency

Indonesian Rupiah IDR Rp

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100,000 IDR = 5.58 USD

100,000 IDR = 4.98 EUR

1 BAM = 0.573 USD

1 BAM = 0.511 EUR

Exchange rates and currency converter

BAM, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 14, 2026: 1 USD = 17,925 IDR (100,000 IDR = 5.58 USD). 1 EUR = 20,084 IDR (100,000 IDR = 4.98 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 14, 2026: 1 USD = 1.75 BAM (1 BAM = 0.573 USD). 1 EUR = 1.96 BAM (1 BAM = 0.511 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Zenica 11,250 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Zenica

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 Zenica: Cost of Living - Frequently Asked Questions

Zenica wins on cost – living expenses run 61% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Zenica the obvious pick if budget is a priority.

On paper, salaries run 297% lower in Zenica. 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 $191 in Zenica. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $134 in Zenica. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 45% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $850 in Zenica versus $1,368 in Ubud, Bali, a $1,000 budget is realistic in Zenica but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zenica the clear choice for anyone on this budget.

Both work as nomad bases, but Zenica delivers better value – similar infrastructure at $850 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zenica hard to pass up.

Safety-wise, Ubud, Bali and Zenica 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 Zenica gentler on the wallet – expenses run 61% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.