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

Monthly Cost of Living

Monthly costs for one person with rent: $1,815 in Zagreb versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $2,718 in Zagreb versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,620 in Zagreb versus $3,275 in Ubud, Bali.

Living in Zagreb is roughly 32% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Zagreb 32% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$13.88 €11.96

$3.33 Rp 58.7K

316.82%

Three-Course Dinner for Two, Mid-Range

$60.3 €51.9

$35.82 Rp 630.7K

68.20%

Fast Food Meal (McDonalds, etc)

$8.30 €7.16

$5.63 Rp 99.1K

47.42%

Cappuccino

$2.63 €2.26

$2.82 Rp 49.7K

-6.74%

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

$3.17 €2.73

$1.75 Rp 30.8K

81.14%

Water (0.33 liter bottle)

$2.64 €2.28

$0.80 Rp 14.0K

230.00%

Local Beer (0.5 liter draught)

$3.40 €2.93

$3.04 Rp 53.6K

11.84%

Imported Beer (0.33 liter bottle)

$4.72 €4.07

$4.30 Rp 75.7K

9.77%

Milk (1 liter)

$1.35 €1.16

$1.61 Rp 28.3K

-16.15%

White Bread (500g)

$1.73 €1.49

$2.27 Rp 39.9K

-23.79%

Rice (white) (1kg)

$3.07 €2.65

$1.17 Rp 20.6K

162.39%

Eggs

$4.10 €3.53

$2.17 Rp 38.2K

88.94%

Local Cheese (1kg)

$16.57 €14.28

$17.63 Rp 310.5K

-6.01%

Chicken Fillets (1kg)

$12.71 €10.96

$4.05 Rp 71.4K

213.83%

Beef Round Steak (1kg)

$17.87 €15.41

$12.18 Rp 214.5K

46.72%

Apples (1kg)

$2.30 €1.98

$3.62 Rp 63.7K

-36.46%

Banana (1kg)

$1.90 €1.64

$1.64 Rp 28.8K

15.85%

Oranges (1kg)

$2.18 €1.88

$2.31 Rp 40.6K

-5.63%

Tomato (1kg)

$2.71 €2.34

$1.96 Rp 34.5K

38.27%

Potato (1kg)

$1.45 €1.25

$1.84 Rp 32.5K

-21.20%

Onion (1kg)

$1.07 €0.92

$2.37 Rp 41.7K

-54.85%

Lettuce (1 head)

$1.33 €1.14

$1.05 Rp 18.5K

26.67%

Water (1.5 liter bottle)

$1.34 €1.15

$0.54 Rp 9,560

148.15%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 €4.98

$2.30 Rp 40.6K

151.30%

Wine (Bottle)

$9.15 €7.89

$23.08 Rp 406.4K

-60.36%

Local Beer (0.5 liter bottle)

$1.73 €1.49

$2.34 Rp 41.2K

-26.07%

Imported Beer (0.33 liter bottle)

$2.49 €2.15

$3.07 Rp 54.0K

-18.89%

One-way Ticket (Public Transport)

$0.60 €0.51

$0.25 Rp 4,365

140.00%

Public Transport Monthly Pass (Regular Price)

$58.2 €50.2

$9.42 Rp 165.9K

517.83%

Taxi Start (Normal Tariff)

$2.26 €1.95

$0.49 Rp 8,631

361.22%

Taxi (Normal Tariff) (1km)

$1.43 €1.24

$0.47 Rp 8,349

204.26%

Taxi 1hour Waiting (Normal Tariff)

$11.00 €9.49

$5.60 Rp 98.6K

96.43%

Gasoline (1 liter)

$1.86 €1.60

$0.81 Rp 14.2K

129.63%

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

$27.9K €24.1K

$25.0K Rp 440.3M

11.63%

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

$27.6K €23.8K

$31.1K Rp 547.0M

-11.04%

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

$218 €188

$82.7 Rp 1.5M

163.26%

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

$22.03 €18.99

$6.49 Rp 114.2K

239.45%

Internet (50+ Mbps, Unlimited Data)

$40.41 €34.84

$18.79 Rp 330.8K

115.06%

Gym Membership (Monthly)

$53.8 €46.37

$55.2 Rp 972.6K

-2.62%

Tennis Court (1 Hour on Weekend)

$19.46 €16.78

$18.21 Rp 320.6K

6.86%

Cinema Ticket

$9.40 €8.11

$4.30 Rp 75.7K

118.60%

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

$555 €478

$494 Rp 8.7M

12.32%

International Primary School, 1 Child (Yearly)

$10.9K €9,364

$5,917 Rp 104.2M

83.58%

Jeans (Levis 501 Or Similar)

$109 €94.4

$46.28 Rp 814.8K

136.52%

Summer Dress (H&M, Zara, etc)

$46.46 €40.05

$36.44 Rp 641.6K

27.50%

Sport Shoes (Adidas, Nike)

$98.8 €85.2

$80.7 Rp 1.4M

22.40%

Men's Leather Business Shoes

$111 €96.0

$78.8 Rp 1.4M

41.26%

1-bedroom Apartment, City Center (Monthly)

$916 €789

$1,114 Rp 19.6M

-17.79%

1-bedroom Apartment, Outside City Center (Monthly)

$700 €603

$693 Rp 12.2M

0.92%

3-bedroom Apartment, City Center (Monthly)

$1,460 €1,259

$3,639 Rp 64.1M

-59.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,067 €920

$1,712 Rp 30.1M

-37.69%

Buy Apartment in City Center (m2)

$5,291 €4,561

$2,761 Rp 48.6M

91.68%

Buy Apartment Outside City Center (m2)

$3,520 €3,034

$2,293 Rp 40.4M

53.53%

Average Monthly Net Salary (After Tax)

$1,954 €1,685

$167 Rp 2.9M

1069.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

13.78

-76.42%

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

Last update for Zagreb: September 6, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $916 in Zagreb and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zagreb pays 1070% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $60.0 in Zagreb vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $331 vs $294 per month, with Ubud, Bali cheaper across the board.

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 32% 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 runs 1070% higher in Zagreb, 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: $916 in Zagreb versus $1,114 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $555 in Zagreb versus $494 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 13% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

At $1,378 in Ubud, Bali versus $1,815 in Zagreb, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Zagreb. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,378 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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 32% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.