Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,772 in Zagreb, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

85

Cost of Living Index in Zagreb
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Zagreb Living Index
65

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

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Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,772 in Zagreb versus $1,349 in Ubud, Bali.

Zagreb $1,772
Ubud, Bali $1,349

Estimated couple costs with rent: $2,619 in Zagreb versus $2,305 in Ubud, Bali.

Zagreb $2,619
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,467 in Zagreb versus $3,261 in Ubud, Bali.

Zagreb $3,467
Ubud, Bali $3,261

Living in Zagreb is roughly 31% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$12.33 €11.08

$3.32 Rp 59.9K

271.39%

Three-Course Dinner for Two, Mid-Range

$63.9 €57.5

$35.64 Rp 642.4K

79.41%

Fast Food Meal (McDonalds, etc)

$8.01 €7.20

$5.53 Rp 99.7K

44.85%

Cappuccino

$2.50 €2.25

$2.72 Rp 49.0K

-8.09%

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

$3.09 €2.77

$1.70 Rp 30.7K

81.76%

Water (0.33 liter bottle)

$2.62 €2.35

$0.76 Rp 13.7K

244.74%

Local Beer (0.5 liter draught)

$3.42 €3.07

$2.65 Rp 47.8K

29.06%

Imported Beer (0.33 liter bottle)

$4.51 €4.05

$4.38 Rp 79.0K

2.97%

Milk (1 liter)

$1.27 €1.14

$1.49 Rp 26.9K

-14.77%

White Bread (500g)

$1.60 €1.43

$2.28 Rp 41.0K

-29.82%

Rice (white) (1kg)

$2.68 €2.41

$1.19 Rp 21.5K

125.21%

Eggs

$3.95 €3.55

$2.04 Rp 36.7K

93.63%

Local Cheese (1kg)

$14.58 €13.10

$17.70 Rp 319.1K

-17.63%

Chicken Fillets (1kg)

$11.47 €10.30

$3.96 Rp 71.4K

189.65%

Beef Round Steak (1kg)

$17.35 €15.59

$12.19 Rp 219.7K

42.33%

Apples (1kg)

$2.31 €2.07

$3.66 Rp 65.9K

-36.89%

Banana (1kg)

$1.65 €1.48

$1.52 Rp 27.4K

8.55%

Oranges (1kg)

$2.19 €1.96

$2.23 Rp 40.2K

-1.79%

Tomato (1kg)

$2.56 €2.30

$1.97 Rp 35.6K

29.95%

Potato (1kg)

$1.36 €1.22

$1.85 Rp 33.3K

-26.49%

Onion (1kg)

$1.20 €1.08

$2.42 Rp 43.7K

-50.41%

Lettuce (1 head)

$1.19 €1.07

$0.99 Rp 17.8K

20.20%

Water (1.5 liter bottle)

$1.29 €1.16

$0.51 Rp 9,255

152.94%

Cigarettes 20 Pack (Marlboro, Camel)

$6.08 €5.46

$2.22 Rp 40.0K

173.87%

Wine (Bottle)

$11.07 €9.94

$22.24 Rp 400.9K

-50.22%

Local Beer (0.5 liter bottle)

$1.69 €1.51

$2.26 Rp 40.7K

-25.22%

Imported Beer (0.33 liter bottle)

$2.46 €2.21

$2.97 Rp 53.5K

-17.17%

One-way Ticket (Public Transport)

$0.57 €0.51

$0.25 Rp 4,525

128.00%

Public Transport Monthly Pass (Regular Price)

$53.2 €47.83

$7.82 Rp 141.0K

580.82%

Taxi Start (Normal Tariff)

$2.18 €1.96

$0.44 Rp 7,923

395.45%

Taxi (Normal Tariff) (1km)

$1.44 €1.29

$0.43 Rp 7,753

234.88%

Taxi 1hour Waiting (Normal Tariff)

$12.39 €11.13

$5.41 Rp 97.5K

129.02%

Gasoline (1 liter)

$1.90 €1.70

$0.82 Rp 14.9K

131.71%

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

$27.9K €25.1K

$23.8K Rp 429.7M

17.14%

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

$26.0K €23.4K

$31.7K Rp 572.3M

-18.06%

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

$215 €193

$79.1 Rp 1.4M

171.87%

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

$22.34 €20.07

$6.45 Rp 116.2K

246.36%

Internet (50+ Mbps, Unlimited Data)

$38.73 €34.80

$18.58 Rp 334.9K

108.45%

Gym Membership (Monthly)

$48.65 €43.71

$49.48 Rp 892.0K

-1.68%

Tennis Court (1 Hour on Weekend)

$18.95 €17.02

$17.65 Rp 318.1K

7.37%

Cinema Ticket

$10.41 €9.35

$4.27 Rp 77.0K

143.79%

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

$499 €448

$491 Rp 8.8M

1.74%

International Primary School, 1 Child (Yearly)

$9,720 €8,733

$5,674 Rp 102.3M

71.31%

Jeans (Levis 501 Or Similar)

$109 €97.6

$44.64 Rp 804.7K

143.28%

Summer Dress (H&M, Zara, etc)

$42.23 €37.94

$34.95 Rp 630.1K

20.83%

Sport Shoes (Adidas, Nike)

$102 €91.9

$79.9 Rp 1.4M

28.01%

Men's Leather Business Shoes

$111 €99.3

$79.4 Rp 1.4M

39.17%

1-bedroom Apartment, City Center (Monthly)

$888 €798

$1,125 Rp 20.3M

-21.03%

1-bedroom Apartment, Outside City Center (Monthly)

$683 €614

$671 Rp 12.1M

1.71%

3-bedroom Apartment, City Center (Monthly)

$1,468 €1,319

$3,565 Rp 64.3M

-58.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,066 €958

$1,723 Rp 31.1M

-38.12%

Buy Apartment in City Center (m2)

$5,275 €4,740

$2,732 Rp 49.2M

93.11%

Buy Apartment Outside City Center (m2)

$3,670 €3,297

$2,284 Rp 41.2M

60.67%

Average Monthly Net Salary (After Tax)

$1,975 €1,774

$164 Rp 3.0M

1105.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

13.78

-76.05%

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

Last update for Zagreb: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$683 38.5%

Ubud, Bali

$672 49.8% 1.7% $11

Groceries & Markets

Zagreb

$314 17.7%

Ubud, Bali

$288 21.4% 8% $25

Monthly Utilities & Internet

Zagreb

$276 15.6%

Ubud, Bali

$104 7.7% 62.3% $172

Eating Out

Zagreb

$202 11.4%

Ubud, Bali

$108 8% 46.6% $94

Clothing & Footwear

Zagreb

$164 9.2%

Ubud, Bali

$108 8% 34.3% $56

Sport & Entertainment

Zagreb

$69 3.9%

Ubud, Bali

$58 4.3% 16.5% $11

Getting Around

Zagreb

$65 3.7%

Ubud, Bali

$11 0.9% 82.4% $53

Cost Breakdown

A one-bedroom apartment in the center runs $888 in Zagreb and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zagreb pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $64 in Zagreb vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $314 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇭🇷 Zagreb

🇮🇩 Ubud, Bali

🕒 Local time

10:13 10:13 AM

17:13 5:13 PM

7 h ahead of Zagreb

🌤 Weather

👥 Population

767,131 Capital

74,800

💱 Currency

Euro EUR €

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 EUR = 1.11 USD

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Zagreb Ubud, Bali 11,400 km ≈ 15 h nonstop flight

From you

Zagreb
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

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

Ubud, Bali wins on cost – living expenses run 24% lower than in Zagreb. 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 Zagreb is about 12 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: $888 in Zagreb versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $499 in Zagreb 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 9% higher in Zagreb. 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 work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,349 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Zagreb 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.

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