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: $1,717 in Zagreb versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $2,576 in Zagreb versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,434 in Zagreb versus $3,763 in Ubud, Bali.

Living in Zagreb is roughly 22% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Zagreb 29% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$11.53 €10.09

$3.45 Rp 62.1K

234.20%

Three-Course Dinner for Two, Mid-Range

$69.1 €60.5

$32.34 Rp 581.1K

113.73%

Fast Food Meal (McDonalds, etc)

$9.03 €7.91

$4.84 Rp 87.1K

86.57%

Cappuccino

$2.43 €2.13

$2.75 Rp 49.4K

-11.64%

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

$3.04 €2.66

$1.38 Rp 24.9K

120.29%

Water (0.33 liter bottle)

$2.48 €2.17

$0.75 Rp 13.5K

230.67%

Local Beer (0.5 liter draught)

$3.79 €3.32

$2.99 Rp 53.8K

26.76%

Imported Beer (0.33 liter bottle)

$4.73 €4.15

$3.85 Rp 69.2K

22.86%

Milk (1 liter)

$1.31 €1.14

$1.74 Rp 31.2K

-24.71%

White Bread (500g)

$1.96 €1.71

$2.46 Rp 44.2K

-20.33%

Rice (white) (1kg)

$2.63 €2.31

$1.17 Rp 21.0K

124.79%

Eggs

$3.83 €3.36

$2.43 Rp 43.7K

57.61%

Local Cheese (1kg)

$10.89 €9.54

$14.50 Rp 260.6K

-24.90%

Chicken Fillets (1kg)

$9.45 €8.27

$4.35 Rp 78.2K

117.24%

Beef Round Steak (1kg)

$12.74 €11.16

$11.98 Rp 215.3K

6.34%

Apples (1kg)

$1.87 €1.64

$3.72 Rp 66.8K

-49.73%

Banana (1kg)

$1.75 €1.53

$1.63 Rp 29.2K

7.36%

Oranges (1kg)

$2.03 €1.78

$2.74 Rp 49.3K

-25.91%

Tomato (1kg)

$2.96 €2.59

$2.24 Rp 40.3K

32.14%

Potato (1kg)

$1.45 €1.27

$1.92 Rp 34.5K

-24.48%

Onion (1kg)

$1.41 €1.23

$2.28 Rp 40.9K

-38.16%

Lettuce (1 head)

$1.28 €1.12

$1.06 Rp 19.1K

20.75%

Water (1.5 liter bottle)

$1.31 €1.15

$0.72 Rp 12.9K

81.94%

Cigarettes 20 Pack (Marlboro, Camel)

$5.75 €5.03

$3.29 Rp 59.0K

74.77%

Wine (Bottle)

$9.30 €8.14

$23.19 Rp 416.8K

-59.90%

Local Beer (0.5 liter bottle)

$1.86 €1.63

$2.78 Rp 49.9K

-33.09%

Imported Beer (0.33 liter bottle)

$2.22 €1.95

$2.73 Rp 49.1K

-18.68%

One-way Ticket (Public Transport)

$0.59 €0.52

$0.27 Rp 4,786

118.52%

Public Transport Monthly Pass (Regular Price)

$58.1 €50.9

$8.11 Rp 145.7K

616.52%

Taxi Start (Normal Tariff)

$2.26 €1.98

$0.48 Rp 8,675

370.83%

Taxi (Normal Tariff) (1km)

$1.06 €0.93

$0.42 Rp 7,545

152.38%

Taxi 1hour Waiting (Normal Tariff)

$10.22 €8.95

$6.22 Rp 111.8K

64.31%

Gasoline (1 liter)

$1.71 €1.49

$0.81 Rp 14.6K

111.11%

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

$34.3K €30.0K

$26.6K Rp 478.2M

28.91%

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

$26.5K €23.2K

$32.2K Rp 578.5M

-17.64%

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

$209 €183

$78.4 Rp 1.4M

167.35%

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

$20.14 €17.64

$4.07 Rp 73.1K

394.84%

Internet (50+ Mbps, Unlimited Data)

$32.85 €28.77

$24.33 Rp 437.1K

35.02%

Gym Membership (Monthly)

$50.4 €44.12

$98.6 Rp 1.8M

-48.91%

Tennis Court (1 Hour on Weekend)

$14.41 €12.62

$6.34 Rp 113.9K

127.29%

Cinema Ticket

$9.00 €7.88

$3.99 Rp 71.6K

125.56%

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

$511 €448

$305 Rp 5.5M

67.60%

International Primary School, 1 Child (Yearly)

$13.1K €11.4K

$6,642 Rp 119.4M

96.58%

Jeans (Levis 501 Or Similar)

$102 €89.0

$54.1 Rp 972.9K

87.68%

Summer Dress (H&M, Zara, etc)

$39.74 €34.80

$37.81 Rp 679.4K

5.10%

Sport Shoes (Adidas, Nike)

$96.1 €84.2

$86.8 Rp 1.6M

10.69%

Men's Leather Business Shoes

$118 €103

$76.4 Rp 1.4M

54.53%

1-bedroom Apartment, City Center (Monthly)

$881 €771

$992 Rp 17.8M

-11.19%

1-bedroom Apartment, Outside City Center (Monthly)

$671 €588

$673 Rp 12.1M

-0.26%

3-bedroom Apartment, City Center (Monthly)

$1,520 €1,331

$3,375 Rp 60.7M

-54.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,052 €921

$2,050 Rp 36.8M

-48.68%

Buy Apartment in City Center (m2)

$4,920 €4,309

$2,805 Rp 50.4M

75.42%

Buy Apartment Outside City Center (m2)

$3,240 €2,838

$2,227 Rp 40.0M

45.49%

Average Monthly Net Salary (After Tax)

$1,915 €1,677

$167 Rp 3.0M

1046.96%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

13.28

-71.99%

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

Last update for Zagreb: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $881 in Zagreb and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zagreb pays 1047% 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: $69.0 in Zagreb vs $32.00 in Ubud, Bali. Groceries flip the comparison at $280 vs $297, with Zagreb 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

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

Ubud, Bali wins on cost – living expenses run 22% 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 1047% 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: $881 in Zagreb versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $511 in Zagreb versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Zagreb pay roughly 6% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,408 in Ubud, Bali versus $1,717 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 $1,408 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 22% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.