Last update: Oct 2026

Cost of Living Comparison Between Zadar and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,683 in Zadar, rent and utilities included – about $4,000 less a year. Other living expenses account for most of the difference.

81

Cost of Living Index in Zadar
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Zadar Living Index
65

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

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Zadar

🇭🇷 Croatia

$1,683

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Zadar 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 Zadar and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,683 in Zadar versus $1,349 in Ubud, Bali.

Zadar $1,683
Ubud, Bali $1,349

Estimated couple costs with rent: $2,565 in Zadar versus $2,305 in Ubud, Bali.

Zadar $2,565
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,446 in Zadar versus $3,261 in Ubud, Bali.

Zadar $3,446
Ubud, Bali $3,261

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

Meal at Budget Restaurant

$14.50 €12.99

$3.32 Rp 60.2K

336.75%

Three-Course Dinner for Two, Mid-Range

$79.7 €71.4

$35.64 Rp 645.8K

123.68%

Fast Food Meal (McDonalds, etc)

$8.05 €7.21

$5.53 Rp 100.3K

45.57%

Cappuccino

$2.51 €2.25

$2.72 Rp 49.3K

-7.72%

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

$3.01 €2.70

$1.70 Rp 30.8K

77.06%

Water (0.33 liter bottle)

$2.10 €1.88

$0.76 Rp 13.8K

176.32%

Local Beer (0.5 liter draught)

$3.44 €3.08

$2.65 Rp 48.1K

29.81%

Imported Beer (0.33 liter bottle)

$4.35 €3.90

$4.38 Rp 79.4K

-0.68%

Milk (1 liter)

$1.18 €1.06

$1.49 Rp 27.0K

-20.81%

White Bread (500g)

$1.72 €1.54

$2.28 Rp 41.2K

-24.56%

Rice (white) (1kg)

$3.00 €2.69

$1.19 Rp 21.6K

152.10%

Eggs

$3.92 €3.51

$2.04 Rp 36.9K

92.16%

Local Cheese (1kg)

$10.87 €9.74

$17.70 Rp 320.8K

-38.59%

Chicken Fillets (1kg)

$9.63 €8.62

$3.96 Rp 71.8K

143.18%

Beef Round Steak (1kg)

$11.69 €10.47

$12.19 Rp 220.9K

-4.10%

Apples (1kg)

$1.88 €1.68

$3.66 Rp 66.2K

-48.63%

Banana (1kg)

$1.58 €1.42

$1.52 Rp 27.5K

3.95%

Oranges (1kg)

$2.17 €1.94

$2.23 Rp 40.4K

-2.69%

Tomato (1kg)

$2.57 €2.30

$1.97 Rp 35.7K

30.46%

Potato (1kg)

$2.26 €2.03

$1.85 Rp 33.5K

22.16%

Onion (1kg)

$1.30 €1.17

$2.42 Rp 43.9K

-46.28%

Lettuce (1 head)

$1.32 €1.18

$0.99 Rp 17.9K

33.33%

Water (1.5 liter bottle)

$1.20 €1.07

$0.51 Rp 9,303

135.29%

Cigarettes 20 Pack (Marlboro, Camel)

$5.53 €4.95

$2.22 Rp 40.3K

149.10%

Wine (Bottle)

$7.95 €7.12

$22.24 Rp 403.0K

-64.25%

Local Beer (0.5 liter bottle)

$1.43 €1.28

$2.26 Rp 41.0K

-36.73%

Imported Beer (0.33 liter bottle)

$1.42 €1.27

$2.97 Rp 53.8K

-52.19%

One-way Ticket (Public Transport)

$1.81 €1.62

$0.25 Rp 4,548

624.00%

Public Transport Monthly Pass (Regular Price)

$44.27 €39.65

$7.82 Rp 141.8K

466.11%

Taxi Start (Normal Tariff)

$3.27 €2.93

$0.44 Rp 7,964

643.18%

Taxi (Normal Tariff) (1km)

$2.27 €2.03

$0.43 Rp 7,793

427.91%

Taxi 1hour Waiting (Normal Tariff)

$22.15 €19.83

$5.41 Rp 98.0K

309.43%

Gasoline (1 liter)

$1.86 €1.67

$0.82 Rp 14.9K

126.83%

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

$25.8K €23.1K

$23.8K Rp 432.0M

8.13%

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

$24.5K €21.9K

$31.7K Rp 575.3M

-22.82%

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

$179 €160

$79.1 Rp 1.4M

126.03%

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

$21.76 €19.48

$6.45 Rp 116.8K

237.36%

Internet (50+ Mbps, Unlimited Data)

$39.49 €35.36

$18.58 Rp 336.7K

112.54%

Gym Membership (Monthly)

$40.85 €36.59

$49.48 Rp 896.7K

-17.44%

Tennis Court (1 Hour on Weekend)

$16.53 €14.81

$17.65 Rp 319.8K

-6.35%

Cinema Ticket

$10.80 €9.67

$4.27 Rp 77.4K

152.93%

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

$246 €220

$491 Rp 8.9M

-49.95%

International Primary School, 1 Child (Yearly)

$6,722 €6,020

$5,674 Rp 102.8M

18.47%

Jeans (Levis 501 Or Similar)

$88.7 €79.5

$44.64 Rp 808.9K

98.79%

Summer Dress (H&M, Zara, etc)

$35.75 €32.01

$34.95 Rp 633.4K

2.29%

Sport Shoes (Adidas, Nike)

$103 €91.8

$79.9 Rp 1.4M

28.35%

Men's Leather Business Shoes

$77.0 €69.0

$79.4 Rp 1.4M

-3.05%

1-bedroom Apartment, City Center (Monthly)

$877 €785

$1,125 Rp 20.4M

-22.06%

1-bedroom Apartment, Outside City Center (Monthly)

$694 €621

$671 Rp 12.2M

3.30%

3-bedroom Apartment, City Center (Monthly)

$1,461 €1,309

$3,565 Rp 64.6M

-59.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,146 €1,026

$1,723 Rp 31.2M

-33.51%

Buy Apartment in City Center (m2)

$4,679 €4,191

$2,732 Rp 49.5M

71.29%

Buy Apartment Outside City Center (m2)

$4,010 €3,591

$2,284 Rp 41.4M

75.55%

Average Monthly Net Salary (After Tax)

$1,407 €1,260

$164 Rp 3.0M

758.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.54

13.78

-74.31%

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

Last update for Zadar: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Zadar

$694 41.2%

Ubud, Bali

$672 49.8% 3.2% $22

Groceries & Markets

Zadar

$268 15.9%

Ubud, Bali

$288 21.4% 7.7% $21

Monthly Utilities & Internet

Zadar

$240 14.3%

Ubud, Bali

$104 7.7% 56.6% $136

Eating Out

Zadar

$217 12.9%

Ubud, Bali

$108 8% 50.3% $109

Clothing & Footwear

Zadar

$137 8.1%

Ubud, Bali

$108 8% 21.4% $29

Getting Around

Zadar

$66 3.9%

Ubud, Bali

$11 0.9% 82.7% $55

Sport & Entertainment

Zadar

$62 3.7%

Ubud, Bali

$58 4.3% 7.1% $4.4

Cost Breakdown

A one-bedroom apartment in the center runs $877 in Zadar and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zadar pays about 8.6 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $80 in Zadar vs $36 in Ubud, Bali. Groceries flip the comparison at $268 vs $288, with Zadar cheaper for home cooking.

Good to know

🇭🇷 Zadar

🇮🇩 Ubud, Bali

🕒 Local time

23:16 11:16 PM

06:16 6:16 AM

7 h ahead of Zadar

🌤 Weather

👥 Population

67,309

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.12 USD

100,000 IDR = 5.52 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 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to EUR in detail →

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Between locations

Zadar Ubud, Bali 11,460 km ≈ 15 h nonstop flight

From you

Zadar
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

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

Ubud, Bali wins on cost – living expenses run 20% lower than in Zadar. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Zadar is about 8.6 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: $877 in Zadar versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $246 in Zadar versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zadar pay roughly 7% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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, Zadar and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Ubud, Bali wins on affordability, Zadar on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.