Last update: Oct 2026

Cost of Living Comparison Between Varazdin and Ubud, Bali

For one person, living is cheaper in Varazdin: $1,286 a month against $1,349 in Ubud, Bali, rent and utilities included – about $760 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

62

Cost of Living Index in Varazdin
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Varazdin Living Index
65

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

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Varazdin

🇭🇷 Croatia

$1,286

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Varazdin and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,286 in Varazdin versus $1,349 in Ubud, Bali.

Varazdin $1,286
Ubud, Bali $1,349

Estimated couple costs with rent: $1,861 in Varazdin versus $2,305 in Ubud, Bali.

Varazdin $1,861
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,436 in Varazdin versus $3,261 in Ubud, Bali.

Varazdin $2,436
Ubud, Bali $3,261

Living in Varazdin costs roughly 5% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$11.03 €9.88

$3.32 Rp 60.3K

232.23%

Three-Course Dinner for Two, Mid-Range

$62.3 €55.9

$35.64 Rp 646.5K

74.89%

Fast Food Meal (McDonalds, etc)

$10.03 €8.98

$5.53 Rp 100.4K

81.37%

Cappuccino

$2.35 €2.10

$2.72 Rp 49.3K

-13.60%

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

$2.57 €2.30

$1.70 Rp 30.9K

51.18%

Water (0.33 liter bottle)

$1.92 €1.72

$0.76 Rp 13.8K

152.63%

Local Beer (0.5 liter draught)

$3.95 €3.54

$2.65 Rp 48.1K

49.06%

Imported Beer (0.33 liter bottle)

$3.43 €3.07

$4.38 Rp 79.5K

-21.69%

Milk (1 liter)

$1.23 €1.10

$1.49 Rp 27.0K

-17.45%

White Bread (500g)

$1.63 €1.46

$2.28 Rp 41.3K

-28.51%

Rice (white) (1kg)

$2.49 €2.23

$1.19 Rp 21.6K

109.24%

Eggs

$3.47 €3.11

$2.04 Rp 36.9K

70.10%

Local Cheese (1kg)

$5.65 €5.07

$17.70 Rp 321.1K

-68.08%

Chicken Fillets (1kg)

$8.59 €7.70

$3.96 Rp 71.9K

116.92%

Beef Round Steak (1kg)

$14.52 €13.01

$12.19 Rp 221.1K

19.11%

Apples (1kg)

$1.64 €1.47

$3.66 Rp 66.3K

-55.19%

Banana (1kg)

$1.70 €1.52

$1.52 Rp 27.5K

11.84%

Oranges (1kg)

$1.82 €1.63

$2.23 Rp 40.4K

-18.39%

Tomato (1kg)

$2.41 €2.16

$1.97 Rp 35.8K

22.34%

Potato (1kg)

$1.22 €1.09

$1.85 Rp 33.5K

-34.05%

Onion (1kg)

$1.10 €0.98

$2.42 Rp 44.0K

-54.55%

Lettuce (1 head)

$1.09 €0.98

$0.99 Rp 18.0K

10.10%

Water (1.5 liter bottle)

$1.14 €1.02

$0.51 Rp 9,313

123.53%

Cigarettes 20 Pack (Marlboro, Camel)

$5.88 €5.27

$2.22 Rp 40.3K

164.86%

Wine (Bottle)

$8.08 €7.24

$22.24 Rp 403.4K

-63.67%

Local Beer (0.5 liter bottle)

$0.72 €0.64

$2.26 Rp 41.0K

-68.14%

Imported Beer (0.33 liter bottle)

$2.19 €1.96

$2.97 Rp 53.9K

-26.26%

One-way Ticket (Public Transport)

$1.31 €1.17

$0.25 Rp 4,553

424.00%

Public Transport Monthly Pass (Regular Price)

$44.60 €39.97

$7.82 Rp 141.9K

470.33%

Taxi Start (Normal Tariff)

$3.46 €3.10

$0.44 Rp 7,972

686.36%

Taxi (Normal Tariff) (1km)

$1.44 €1.29

$0.43 Rp 7,801

234.88%

Taxi 1hour Waiting (Normal Tariff)

$13.26 €11.88

$5.41 Rp 98.1K

145.10%

Gasoline (1 liter)

$1.68 €1.50

$0.82 Rp 15.0K

104.88%

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

$28.1K €25.2K

$23.8K Rp 432.4M

18.02%

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

$24.3K €21.8K

$31.7K Rp 575.9M

-23.55%

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

$150 €135

$79.1 Rp 1.4M

90.24%

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

$14.09 €12.63

$6.45 Rp 116.9K

118.45%

Internet (50+ Mbps, Unlimited Data)

$30.82 €27.62

$18.58 Rp 337.0K

65.88%

Gym Membership (Monthly)

$42.94 €38.48

$49.48 Rp 897.5K

-13.22%

Tennis Court (1 Hour on Weekend)

$13.12 €11.76

$17.65 Rp 320.1K

-25.67%

Cinema Ticket

$9.12 €8.18

$4.27 Rp 77.5K

113.58%

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

$150 €135

$491 Rp 8.9M

-69.35%

International Primary School, 1 Child (Yearly)

$13.1K €11.7K

$5,674 Rp 102.9M

130.25%

Jeans (Levis 501 Or Similar)

$72.2 €64.7

$44.64 Rp 809.7K

61.76%

Summer Dress (H&M, Zara, etc)

$33.04 €29.61

$34.95 Rp 634.0K

-5.46%

Sport Shoes (Adidas, Nike)

$62.5 €56.0

$79.9 Rp 1.4M

-21.75%

Men's Leather Business Shoes

$73.6 €66.0

$79.4 Rp 1.4M

-7.33%

1-bedroom Apartment, City Center (Monthly)

$571 €511

$1,125 Rp 20.4M

-49.27%

1-bedroom Apartment, Outside City Center (Monthly)

$428 €383

$671 Rp 12.2M

-36.33%

3-bedroom Apartment, City Center (Monthly)

$865 €775

$3,565 Rp 64.7M

-75.73%

3-bedroom Apartment, Outside City Center (Monthly)

$471 €422

$1,723 Rp 31.3M

-72.64%

Buy Apartment in City Center (m2)

$3,129 €2,804

$2,732 Rp 49.5M

14.54%

Buy Apartment Outside City Center (m2)

$2,476 €2,219

$2,284 Rp 41.4M

8.39%

Average Monthly Net Salary (After Tax)

$1,353 €1,213

$164 Rp 3.0M

726.03%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

13.78

-72.93%

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

Last update for Varazdin: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Varazdin

$428 33.3%

Ubud, Bali

$672 49.8% 57.1% $244

Groceries & Markets

Varazdin

$242 18.8%

Ubud, Bali

$288 21.4% 19.4% $47

Monthly Utilities & Internet

Varazdin

$195 15.2%

Ubud, Bali

$104 7.7% 46.7% $91

Eating Out

Varazdin

$191 14.9%

Ubud, Bali

$108 8% 43.6% $83

Clothing & Footwear

Varazdin

$109 8.5%

Ubud, Bali

$108 8% 1% $1.1

Sport & Entertainment

Varazdin

$61 4.8%

Ubud, Bali

$58 4.3% 5.2% $3.2

Getting Around

Varazdin

$61 4.7%

Ubud, Bali

$11 0.9% 81.1% $49

Cost Breakdown

A one-bedroom apartment in the center runs $571 in Varazdin and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Varazdin pays about 8.3 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $62 in Varazdin vs $36 in Ubud, Bali. Groceries flip the comparison at $242 vs $288, with Varazdin cheaper for home cooking.

Good to know

🇭🇷 Varazdin

🇮🇩 Ubud, Bali

🕒 Local time

05:43 5:43 AM

12:43 12:43 PM

7 h ahead of Varazdin

🌤 Weather

👥 Population

43,782

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 2, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

On the map

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Between locations

Varazdin Ubud, Bali 11,370 km ≈ 15 h nonstop flight

From you

Varazdin
Ubud, Bali

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

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

Varazdin wins on cost – living expenses run 5% 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.

Average pay in Varazdin is about 8.3 times higher, 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: $571 in Varazdin versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $150 in Varazdin versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 19% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

Either city works on $1,500 a month, though Varazdin 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, Varazdin and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.