Cost of Living Comparison Between Varazdin and Ubud, Bali Cost of Living Comparison Between Varazdin and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,321 in Varazdin versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $1,913 in Varazdin versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $2,505 in Varazdin versus $3,694 in Ubud, Bali.

Living in Varazdin costs roughly 6% less than in Ubud, Bali, driven mainly by Eating Out.

The two cities straddle the global median: Varazdin is 2% below, Ubud, Bali is 4% above.

Meal at Budget Restaurant

$11.51 €9.91

$3.57 Rp 64.0K

222.41%

Three-Course Dinner for Two, Mid-Range

$65.8 €56.7

$32.50 Rp 582.3K

102.34%

Fast Food Meal (McDonalds, etc)

$11.04 €9.51

$4.86 Rp 87.1K

127.16%

Cappuccino

$2.30 €1.99

$2.75 Rp 49.2K

-16.36%

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

$2.41 €2.07

$1.32 Rp 23.7K

82.58%

Water (0.33 liter bottle)

$3.04 €2.62

$0.70 Rp 12.6K

334.29%

Local Beer (0.5 liter draught)

$3.78 €3.25

$2.91 Rp 52.2K

29.90%

Imported Beer (0.33 liter bottle)

$3.50 €3.02

$3.79 Rp 68.0K

-7.65%

Milk (1 liter)

$1.18 €1.02

$1.71 Rp 30.6K

-30.99%

White Bread (500g)

$1.55 €1.34

$2.47 Rp 44.3K

-37.25%

Rice (white) (1kg)

$2.91 €2.50

$1.20 Rp 21.5K

142.50%

Eggs

$3.31 €2.85

$2.44 Rp 43.8K

35.66%

Local Cheese (1kg)

$4.76 €4.10

$14.38 Rp 257.7K

-66.90%

Chicken Fillets (1kg)

$8.18 €7.05

$4.31 Rp 77.1K

89.79%

Beef Round Steak (1kg)

$14.40 €12.41

$12.21 Rp 218.7K

17.94%

Apples (1kg)

$1.35 €1.17

$3.68 Rp 66.0K

-63.32%

Banana (1kg)

$1.42 €1.22

$1.55 Rp 27.8K

-8.39%

Oranges (1kg)

$1.43 €1.23

$2.79 Rp 49.9K

-48.75%

Tomato (1kg)

$2.60 €2.24

$2.33 Rp 41.8K

11.59%

Potato (1kg)

$1.20 €1.03

$1.97 Rp 35.3K

-39.09%

Onion (1kg)

$1.13 €0.97

$2.31 Rp 41.4K

-51.08%

Lettuce (1 head)

$1.11 €0.96

$1.06 Rp 19.1K

4.72%

Water (1.5 liter bottle)

$1.01 €0.87

$0.73 Rp 13.1K

38.36%

Cigarettes 20 Pack (Marlboro, Camel)

$5.89 €5.08

$3.28 Rp 58.8K

79.57%

Wine (Bottle)

$8.18 €7.05

$22.79 Rp 408.4K

-64.11%

Local Beer (0.5 liter bottle)

$0.78 €0.67

$2.81 Rp 50.3K

-72.24%

Imported Beer (0.33 liter bottle)

$2.09 €1.80

$2.78 Rp 49.9K

-24.82%

One-way Ticket (Public Transport)

$0.99 €0.86

$0.29 Rp 5,217

241.38%

Public Transport Monthly Pass (Regular Price)

$24.41 €21.03

$8.06 Rp 144.4K

202.85%

Taxi Start (Normal Tariff)

$3.00 €2.58

$0.45 Rp 8,047

566.67%

Taxi (Normal Tariff) (1km)

$1.33 €1.14

$0.45 Rp 8,094

195.56%

Taxi 1hour Waiting (Normal Tariff)

$8.73 €7.52

$6.24 Rp 111.7K

39.90%

Gasoline (1 liter)

$1.75 €1.51

$0.85 Rp 15.2K

105.88%

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

$38.0K €32.7K

$26.0K Rp 465.4M

46.09%

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

$26.3K €22.7K

$31.7K Rp 567.2M

-16.92%

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

$151 €130

$80.8 Rp 1.4M

86.48%

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

$21.16 €18.23

$4.06 Rp 72.7K

421.18%

Internet (50+ Mbps, Unlimited Data)

$32.91 €28.35

$24.42 Rp 437.6K

34.77%

Gym Membership (Monthly)

$54.6 €47.02

$97.7 Rp 1.7M

-44.13%

Tennis Court (1 Hour on Weekend)

$14.68 €12.65

$6.45 Rp 115.5K

127.60%

Cinema Ticket

$8.16 €7.03

$4.04 Rp 72.4K

101.98%

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

$176 €152

$304 Rp 5.4M

-42.06%

International Primary School, 1 Child (Yearly)

$8,250 €7,108

$6,621 Rp 118.6M

24.61%

Jeans (Levis 501 Or Similar)

$73.8 €63.5

$54.2 Rp 971.7K

35.99%

Summer Dress (H&M, Zara, etc)

$35.35 €30.46

$38.78 Rp 694.7K

-8.84%

Sport Shoes (Adidas, Nike)

$64.5 €55.6

$86.1 Rp 1.5M

-25.15%

Men's Leather Business Shoes

$74.4 €64.1

$76.7 Rp 1.4M

-3.03%

1-bedroom Apartment, City Center (Monthly)

$596 €513

$986 Rp 17.7M

-39.57%

1-bedroom Apartment, Outside City Center (Monthly)

$452 €390

$658 Rp 11.8M

-31.29%

3-bedroom Apartment, City Center (Monthly)

$856 €738

$3,369 Rp 60.4M

-74.59%

3-bedroom Apartment, Outside City Center (Monthly)

$493 €425

$2,066 Rp 37.0M

-76.14%

Buy Apartment in City Center (m2)

$3,215 €2,770

$2,741 Rp 49.1M

17.28%

Buy Apartment Outside City Center (m2)

$2,504 €2,157

$2,228 Rp 39.9M

12.41%

Average Monthly Net Salary (After Tax)

$1,424 €1,227

$163 Rp 2.9M

771.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.12

13.28

-68.98%

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

Last update for Varazdin: June 6, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $596 in Varazdin and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varazdin pays 771% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $66.0 in Varazdin vs $33.00 in Ubud, Bali. Groceries flip the comparison at $231 vs $297, with Varazdin cheaper for home cooking.

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

Varazdin vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Varazdin wins on cost – living expenses run 6% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Varazdin the obvious pick if budget is a priority.

Varazdin pays 771% more on average, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $596 in Varazdin versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $176 in Varazdin versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 28% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $1,321 in Varazdin versus $1,404 in Ubud, Bali, a $1,500 budget is realistic in Varazdin but tight or insufficient in Ubud, Bali. The gap between the two cities makes Varazdin the clear choice for anyone on this budget.

Both work as nomad bases, but Varazdin delivers better value – similar infrastructure at $1,321 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Varazdin hard to pass up.

Safety-wise, Varazdin and Ubud, Bali 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 Varazdin gentler on the wallet – expenses run 6% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.