Last update: Nov 2026

Cost of Living Comparison Between Ubud, Bali and Zupanja

For one person, living is cheaper in Ubud, Bali: $1,331 a month against $1,613 in Zupanja, rent and utilities included – about $3,400 less a year. The total is higher in Zupanja despite lower rent and utilities.

64

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
77

Cost of Living Index in Zupanja
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Zupanja Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Zupanja

🇭🇷 Croatia

$1,613

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,331 in Ubud, Bali versus $1,613 in Zupanja.

Ubud, Bali $1,331
Zupanja $1,613

Estimated couple costs with rent: $2,255 in Ubud, Bali versus $2,445 in Zupanja.

Ubud, Bali $2,255
Zupanja $2,445

Monthly costs for a family of three with rent: $3,180 in Ubud, Bali versus $3,277 in Zupanja.

Ubud, Bali $3,180
Zupanja $3,277

Living in Ubud, Bali costs roughly 18% less than in Zupanja, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Ubud, Bali is 2% below, Zupanja is 19% above.

Meal at Budget Restaurant

$3.38 Rp 61.3K

$12.39 €11.05

-72.72%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 628.8K

$64.2 €57.3

-46.04%

Fast Food Meal (McDonalds, etc)

$5.57 Rp 101.2K

$7.95 €7.09

-29.94%

Cappuccino

$2.62 Rp 47.5K

$2.59 €2.31

1.16%

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

$1.54 Rp 27.9K

$3.07 €2.73

-49.84%

Water (0.33 liter bottle)

$0.64 Rp 11.6K

$2.59 €2.31

-75.29%

Local Beer (0.5 liter draught)

$2.67 Rp 48.4K

$3.37 €3.01

-20.77%

Imported Beer (0.33 liter bottle)

$4.26 Rp 77.4K

$4.46 €3.98

-4.48%

Milk (1 liter)

$1.46 Rp 26.5K

$1.24 €1.11

17.74%

White Bread (500g)

$2.29 Rp 41.6K

$1.54 €1.37

48.70%

Rice (white) (1kg)

$1.11 Rp 20.1K

$2.68 €2.39

-58.58%

Eggs

$2.10 Rp 38.1K

$3.86 €3.44

-45.60%

Local Cheese (1kg)

$15.94 Rp 289.3K

$14.66 €13.08

8.73%

Chicken Fillets (1kg)

$3.88 Rp 70.5K

$11.59 €10.34

-66.52%

Beef Round Steak (1kg)

$11.40 Rp 206.9K

$17.18 €15.32

-33.64%

Apples (1kg)

$3.55 Rp 64.5K

$2.32 €2.07

53.02%

Banana (1kg)

$1.54 Rp 27.9K

$1.72 €1.53

-10.47%

Oranges (1kg)

$2.23 Rp 40.5K

$2.12 €1.89

5.19%

Tomato (1kg)

$1.97 Rp 35.8K

$2.47 €2.20

-20.24%

Potato (1kg)

$1.86 Rp 33.7K

$1.36 €1.21

36.76%

Onion (1kg)

$2.42 Rp 43.9K

$1.22 €1.08

98.36%

Lettuce (1 head)

$1.02 Rp 18.6K

$1.22 €1.09

-16.39%

Water (1.5 liter bottle)

$0.52 Rp 9,479

$1.33 €1.19

-60.90%

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.9K

$5.86 €5.23

-62.46%

Wine (Bottle)

$21.79 Rp 395.4K

$11.15 €9.95

95.43%

Local Beer (0.5 liter bottle)

$2.33 Rp 42.2K

$1.69 €1.51

37.87%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.40 €2.14

23.75%

One-way Ticket (Public Transport)

$0.25 Rp 4,544

$1.74 €1.55

-85.63%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 148.4K

$44.16 €39.39

-81.50%

Taxi Start (Normal Tariff)

$0.44 Rp 7,944

$2.20 €1.96

-80.00%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,493

$1.37 €1.22

-65.69%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.6K

$12.18 €10.86

-54.02%

Gasoline (1 liter)

$0.83 Rp 15.0K

$1.85 €1.65

-55.14%

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

$24.4K Rp 443.7M

$27.6K €24.6K

-11.48%

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

$31.7K Rp 575.2M

$25.4K €22.7K

24.62%

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

$77.5 Rp 1.4M

$212 €189

-63.39%

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

$6.14 Rp 111.5K

$22.26 €19.86

-72.42%

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 343.3K

$37.94 €33.84

-50.13%

Gym Membership (Monthly)

$51.0 Rp 925.4K

$52.2 €46.56

-2.32%

Tennis Court (1 Hour on Weekend)

$18.25 Rp 331.2K

$15.13 €13.50

20.62%

Cinema Ticket

$4.38 Rp 79.5K

$10.43 €9.30

-58.01%

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

$492 Rp 8.9M

$494 €441

-0.30%

International Primary School, 1 Child (Yearly)

$12.2K Rp 221.8M

$10.0K €8,934

22.02%

Jeans (Levis 501 Or Similar)

$45.16 Rp 819.6K

$110 €98.3

-59.03%

Summer Dress (H&M, Zara, etc)

$34.89 Rp 633.2K

$41.47 €36.99

-15.87%

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

$103 €91.8

-23.89%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$112 €100

-30.70%

1-bedroom Apartment, City Center (Monthly)

$1,078 Rp 19.6M

$674 €601

59.83%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 12.1M

$527 €470

26.09%

3-bedroom Apartment, City Center (Monthly)

$3,510 Rp 63.7M

$1,200 €1,070

192.60%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.3M

$879 €784

90.01%

Buy Apartment in City Center (m2)

$2,340 Rp 42.5M

$3,968 €3,539

-41.03%

Buy Apartment Outside City Center (m2)

$2,236 Rp 40.6M

$2,882 €2,570

-22.40%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

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: November 1, 2026

Last update for Zupanja: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$665 50%

Zupanja

$527 32.7% 20.7% $138

Groceries & Markets

Ubud, Bali

$279 21%

Zupanja

$313 19.4% 12% $34

Clothing & Footwear

Ubud, Bali

$106 8%

Zupanja

$165 10.2% 55.3% $59

Eating Out

Ubud, Bali

$106 8%

Zupanja

$203 12.6% 91.5% $97

Monthly Utilities & Internet

Ubud, Bali

$103 7.7%

Zupanja

$272 16.9% 165% $169

Sport & Entertainment

Ubud, Bali

$60 4.5%

Zupanja

$73 4.5% 22.3% $13

Getting Around

Ubud, Bali

$12 0.9%

Zupanja

$60 3.7% 404% $48

Cost Breakdown

A one-bedroom apartment in the center runs $1,078 in Ubud, Bali and $674 in Zupanja. Housing cost is often the main lever when comparing two cities.

Dining out: $35 in Ubud, Bali vs $64 in Zupanja for a mid-range dinner for two. Groceries echo the gap at $279 vs $313 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇭🇷 Zupanja

🕒 Local time

17:23 5:23 PM

10:23 10:23 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

12,000

💱 Currency

Indonesian Rupiah IDR Rp

Euro EUR €

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 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 November 4, 2026: 1 USD = 18,148 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,345 IDR (100,000 IDR = 4.92 EUR).

Euro exchange rates as of November 4, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Zupanja 11,190 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Zupanja

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 Zupanja: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 18% lower than in Zupanja. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You’d need roughly $1,996 in Ubud, Bali and $2,420 in Zupanja 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: $1,078 in Ubud, Bali versus $674 in Zupanja. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $492 in Ubud, Bali versus $494 in Zupanja. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 12% higher in Zupanja. 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 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 Zupanja are both considered safe, so it’s unlikely to be the deciding factor between them.