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

Monthly Cost of Living

Monthly costs for one person with rent: $884 in Zenica versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $1,294 in Zenica versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,703 in Zenica versus $3,660 in Ubud, Bali.

Living in Zenica costs roughly 38% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Zenica is 34% below, Ubud, Bali is 6% above.

Meal at Budget Restaurant

$6.87 BAM 11.54

$3.56 Rp 63.7K

92.98%

Three-Course Dinner for Two, Mid-Range

$18.70 BAM 31.42

$32.73 Rp 584.5K

-42.87%

Fast Food Meal (McDonalds, etc)

$4.20 BAM 7.05

$4.95 Rp 88.4K

-15.15%

Cappuccino

$1.59 BAM 2.68

$2.71 Rp 48.4K

-41.33%

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

$1.79 BAM 3.01

$1.34 Rp 24.0K

33.58%

Water (0.33 liter bottle)

$1.20 BAM 2.01

$0.70 Rp 12.5K

71.43%

Local Beer (0.5 liter draught)

$2.03 BAM 3.41

$2.92 Rp 52.1K

-30.48%

Imported Beer (0.33 liter bottle)

$2.02 BAM 3.39

$3.96 Rp 70.7K

-48.99%

Milk (1 liter)

$1.22 BAM 2.04

$1.81 Rp 32.3K

-32.60%

White Bread (500g)

$0.85 BAM 1.43

$2.52 Rp 45.0K

-66.27%

Rice (white) (1kg)

$1.72 BAM 2.89

$1.16 Rp 20.7K

48.28%

Eggs

$2.68 BAM 4.50

$2.46 Rp 43.9K

8.94%

Local Cheese (1kg)

$7.66 BAM 12.88

$14.71 Rp 262.7K

-47.93%

Chicken Fillets (1kg)

$7.32 BAM 12.29

$4.32 Rp 77.1K

69.44%

Beef Round Steak (1kg)

$12.96 BAM 21.78

$12.14 Rp 216.7K

6.75%

Apples (1kg)

$1.41 BAM 2.37

$3.84 Rp 68.6K

-63.28%

Banana (1kg)

$1.64 BAM 2.76

$1.56 Rp 27.8K

5.13%

Oranges (1kg)

$1.54 BAM 2.59

$2.83 Rp 50.6K

-45.58%

Tomato (1kg)

$1.84 BAM 3.09

$2.33 Rp 41.5K

-21.03%

Potato (1kg)

$1.04 BAM 1.74

$1.91 Rp 34.2K

-45.55%

Onion (1kg)

$1.25 BAM 2.11

$2.20 Rp 39.3K

-43.18%

Lettuce (1 head)

$0.57 BAM 0.97

$1.01 Rp 18.1K

-43.56%

Water (1.5 liter bottle)

$0.71 BAM 1.20

$0.78 Rp 13.8K

-8.97%

Cigarettes 20 Pack (Marlboro, Camel)

$3.60 BAM 6.05

$3.32 Rp 59.2K

8.43%

Wine (Bottle)

$4.24 BAM 7.12

$23.74 Rp 423.9K

-82.14%

Local Beer (0.5 liter bottle)

$0.84 BAM 1.42

$2.79 Rp 49.8K

-69.89%

Imported Beer (0.33 liter bottle)

$1.00 BAM 1.68

$2.86 Rp 51.1K

-65.03%

One-way Ticket (Public Transport)

$0.85 BAM 1.44

$0.27 Rp 4,800

214.81%

Public Transport Monthly Pass (Regular Price)

$32.08 BAM 53.9

$8.03 Rp 143.4K

299.50%

Taxi Start (Normal Tariff)

$1.59 BAM 2.66

$0.46 Rp 8,150

245.65%

Taxi (Normal Tariff) (1km)

$0.84 BAM 1.41

$0.45 Rp 8,037

86.67%

Taxi 1hour Waiting (Normal Tariff)

$8.99 BAM 15.10

$6.10 Rp 108.9K

47.38%

Gasoline (1 liter)

$1.45 BAM 2.43

$0.79 Rp 14.2K

83.54%

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

$23.8K BAM 40.0K

$26.1K Rp 467.0M

-9.06%

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

$26.2K BAM 44.0K

$32.1K Rp 573.6M

-18.46%

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

$168 BAM 283

$79.9 Rp 1.4M

110.60%

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

$19.17 BAM 32.20

$4.06 Rp 72.6K

372.17%

Internet (50+ Mbps, Unlimited Data)

$24.40 BAM 40.99

$23.52 Rp 420.0K

3.74%

Gym Membership (Monthly)

$24.13 BAM 40.54

$98.7 Rp 1.8M

-75.55%

Tennis Court (1 Hour on Weekend)

$14.50 BAM 24.36

$6.63 Rp 118.4K

118.70%

Cinema Ticket

$4.63 BAM 7.78

$4.15 Rp 74.1K

11.57%

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

$149 BAM 251

$304 Rp 5.4M

-50.84%

International Primary School, 1 Child (Yearly)

$3,286 BAM 5,521

$6,613 Rp 118.1M

-50.31%

Jeans (Levis 501 Or Similar)

$51.1 BAM 85.8

$55.5 Rp 991.8K

-8.01%

Summer Dress (H&M, Zara, etc)

$30.99 BAM 52.1

$38.31 Rp 684.1K

-19.11%

Sport Shoes (Adidas, Nike)

$94.6 BAM 159

$88.6 Rp 1.6M

6.76%

Men's Leather Business Shoes

$92.2 BAM 155

$77.9 Rp 1.4M

18.35%

1-bedroom Apartment, City Center (Monthly)

$195 BAM 327

$1,006 Rp 18.0M

-80.64%

1-bedroom Apartment, Outside City Center (Monthly)

$145 BAM 244

$675 Rp 12.1M

-78.46%

3-bedroom Apartment, City Center (Monthly)

$280 BAM 470

$3,442 Rp 61.5M

-91.88%

3-bedroom Apartment, Outside City Center (Monthly)

$206 BAM 346

$2,039 Rp 36.4M

-89.91%

Buy Apartment in City Center (m2)

$1,631 BAM 2,741

$2,841 Rp 50.7M

-42.59%

Buy Apartment Outside City Center (m2)

$1,337 BAM 2,246

$2,264 Rp 40.4M

-40.95%

Average Monthly Net Salary (After Tax)

$732 BAM 1,231

$165 Rp 3.0M

343.26%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-77.41%

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

Last update for Zenica: June 1, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $195 in Zenica and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zenica pays 343% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $19.00 in Zenica vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $200 vs $302 per month, with Zenica 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

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

Zenica wins on cost – living expenses run 61% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Zenica the obvious pick if budget is a priority.

Zenica pays 343% more on average, 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: $195 in Zenica versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $149 in Zenica versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 51% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $884 in Zenica versus $1,419 in Ubud, Bali, a $1,000 budget is realistic in Zenica but tight or insufficient in Ubud, Bali. The gap between the two cities makes Zenica the clear choice for anyone on this budget.

Both work as nomad bases, but Zenica delivers better value – similar infrastructure at $884 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Zenica hard to pass up.

Safety-wise, Zenica 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 Zenica gentler on the wallet – expenses run 61% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.