Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Zepce

For one person, living is cheaper in Zepce: $1,080 a month against $1,353 in Ubud, Bali, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
53

Cost of Living Index in Zepce
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Zepce Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Zepce

🇧🇦 Bosnia and Herzegovina

$1,080

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,080 in Zepce.

Ubud, Bali $1,353
Zepce $1,080

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,658 in Zepce.

Ubud, Bali $2,297
Zepce $1,658

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $2,235 in Zepce.

Ubud, Bali $3,241
Zepce $2,235

Living in Ubud, Bali is roughly 25% more expensive than in Zepce, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$3.23 Rp 58.3K

$9.84 BAM 17.17

-67.17%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 629.5K

$51.5 BAM 89.9

-32.27%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.8K

$10.98 BAM 19.15

-48.09%

Cappuccino

$2.62 Rp 47.2K

$1.79 BAM 3.12

46.37%

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

$1.72 Rp 31.1K

$2.60 BAM 4.54

-33.85%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.62 BAM 2.82

-50.00%

Local Beer (0.5 liter draught)

$2.65 Rp 47.8K

$2.46 BAM 4.30

7.72%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.8K

$3.39 BAM 5.91

28.91%

Milk (1 liter)

$1.57 Rp 28.4K

$1.39 BAM 2.42

12.95%

White Bread (500g)

$2.19 Rp 39.6K

$1.18 BAM 2.06

85.59%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.60 BAM 2.79

-26.25%

Eggs

$2.16 Rp 38.9K

$2.81 BAM 4.90

-23.13%

Local Cheese (1kg)

$17.65 Rp 318.5K

$9.73 BAM 16.97

81.40%

Chicken Fillets (1kg)

$3.78 Rp 68.2K

$8.85 BAM 15.44

-57.29%

Beef Round Steak (1kg)

$11.95 Rp 215.7K

$13.83 BAM 24.13

-13.59%

Apples (1kg)

$3.60 Rp 65.0K

$1.77 BAM 3.09

103.39%

Banana (1kg)

$1.59 Rp 28.7K

$1.95 BAM 3.41

-18.46%

Oranges (1kg)

$2.31 Rp 41.7K

$2.16 BAM 3.77

6.94%

Tomato (1kg)

$1.91 Rp 34.4K

$2.24 BAM 3.90

-14.73%

Potato (1kg)

$1.78 Rp 32.1K

$0.99 BAM 1.72

79.80%

Onion (1kg)

$2.33 Rp 42.0K

$1.41 BAM 2.46

65.25%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.13 BAM 1.97

-11.50%

Water (1.5 liter bottle)

$0.53 Rp 9,536

$0.91 BAM 1.58

-41.76%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.3K

$3.80 BAM 6.63

-39.74%

Wine (Bottle)

$22.07 Rp 398.4K

$8.29 BAM 14.47

166.22%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.4K

$0.95 BAM 1.65

147.37%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.7K

$1.39 BAM 2.43

114.39%

One-way Ticket (Public Transport)

$0.23 Rp 4,123

$1.38 BAM 2.40

-83.33%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.6K

Taxi Start (Normal Tariff)

$0.47 Rp 8,490

$1.68 BAM 2.93

-72.02%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,759

$1.18 BAM 2.06

-63.56%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.7K

$17.42 BAM 30.38

-68.60%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.69 BAM 2.94

-50.89%

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

$23.9K Rp 431.0M

$30.0K BAM 52.3K

-20.43%

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

$32.8K Rp 591.8M

$21.4K BAM 37.4K

53.12%

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

$80.0 Rp 1.4M

$158 BAM 275

-49.25%

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

$6.56 Rp 118.4K

$16.18 BAM 28.23

-59.46%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 335.8K

$36.75 BAM 64.1

-49.39%

Gym Membership (Monthly)

$54.1 Rp 976.8K

$32.50 BAM 56.7

66.52%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.9K

$11.42 BAM 19.92

60.07%

Cinema Ticket

$4.25 Rp 76.8K

$2.89 BAM 5.04

47.06%

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

$493 Rp 8.9M

$288 BAM 502

71.16%

International Primary School, 1 Child (Yearly)

$5,597 Rp 101.0M

$3,555 BAM 6,202

57.44%

Jeans (Levis 501 Or Similar)

$45.58 Rp 822.6K

$83.9 BAM 146

-45.67%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 631.1K

$35.69 BAM 62.3

-2.05%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$106 BAM 184

-26.42%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$145 BAM 253

-45.79%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$294 BAM 514

284.37%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$239 BAM 416

181.91%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.2M

$579 BAM 1,009

524.41%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.7M

$356 BAM 622

377.39%

Buy Apartment in City Center (m2)

$2,717 Rp 49.0M

$2,734 BAM 4,770

-0.61%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.5M

$1,777 BAM 3,101

26.09%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

4.44

210.36%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Zepce: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Zepce

$239 22.1% 64.5% $434

Groceries & Markets

Ubud, Bali

$287 21.2%

Zepce

$244 22.6% 15.1% $43

Clothing & Footwear

Ubud, Bali

$107 7.9%

Zepce

$167 15.4% 56.3% $60

Eating Out

Ubud, Bali

$106 7.9%

Zepce

$169 15.7% 58.9% $63

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Zepce

$211 19.5% 100% $105

Sport & Entertainment

Ubud, Bali

$63 4.6%

Zepce

$38 3.5% 38.9% $24

Getting Around

Ubud, Bali

$12 0.9%

Zepce

$13 * 1.2% 5.4% $0.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $294 in Zepce. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $52 in Zepce. Groceries flip the comparison at $287 vs $244, with Zepce cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇧🇦 Zepce

🕒 Local time

04:03 4:03 AM

21:03 9:03 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

7,500

💱 Currency

Indonesian Rupiah IDR Rp

Bosnia and Herzegovina Convertible Mark BAM KM

📈 Exchange rate

100,000 IDR = 5.54 USD

100,000 IDR = 4.94 EUR

1 BAM = 0.573 USD

1 BAM = 0.512 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 25, 2026: 1 USD = 18,050 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,224 IDR (100,000 IDR = 4.94 EUR).

Bosnia and Herzegovina Convertible Mark exchange rates as of October 25, 2026: 1 USD = 1.74 BAM (1 BAM = 0.573 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Zepce 11,240 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Zepce

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 Zepce: Cost of Living - Frequently Asked Questions

Zepce 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 Zepce the obvious pick if budget is a priority.

You’d need roughly $2,030 in Ubud, Bali and $1,620 in Zepce to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,131 in Ubud, Bali versus $294 in Zepce. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,353 per month in Ubud, Bali versus $1,080 in Zepce – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,500 a month, though Zepce gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Zepce are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.