Last update: Oct 2026

Cost of Living Comparison Between Zenica and Ubud, Bali

For one person, living is cheaper in Zenica: $850 a month against $1,368 in Ubud, Bali, rent and utilities included – about $6,200 less a year. Rent and utilities account for most of the difference.

41

Cost of Living Index in Zenica
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Zenica Living Index
67

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

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Zenica

🇧🇦 Bosnia and Herzegovina

$850

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $850 in Zenica versus $1,368 in Ubud, Bali.

Zenica $850
Ubud, Bali $1,368

Estimated couple costs with rent: $1,245 in Zenica versus $2,314 in Ubud, Bali.

Zenica $1,245
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $1,639 in Zenica versus $3,260 in Ubud, Bali.

Zenica $1,639
Ubud, Bali $3,260

Living in Zenica costs roughly 38% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Zenica is 37% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$6.98 BAM 12.14

$3.33 Rp 59.9K

109.61%

Three-Course Dinner for Two, Mid-Range

$18.26 BAM 31.76

$35.18 Rp 633.2K

-48.10%

Fast Food Meal (McDonalds, etc)

$4.09 BAM 7.11

$5.80 Rp 104.5K

-29.48%

Cappuccino

$1.59 BAM 2.77

$2.73 Rp 49.1K

-41.76%

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

$1.69 BAM 2.95

$1.64 Rp 29.5K

3.05%

Water (0.33 liter bottle)

$1.23 BAM 2.15

$0.83 Rp 15.0K

48.19%

Local Beer (0.5 liter draught)

$1.99 BAM 3.46

$2.70 Rp 48.6K

-26.30%

Imported Beer (0.33 liter bottle)

$2.01 BAM 3.50

$4.30 Rp 77.4K

-53.26%

Milk (1 liter)

$1.27 BAM 2.22

$1.50 Rp 27.1K

-15.33%

White Bread (500g)

$0.94 BAM 1.64

$2.30 Rp 41.4K

-59.13%

Rice (white) (1kg)

$1.73 BAM 3.00

$1.18 Rp 21.2K

46.61%

Eggs

$2.70 BAM 4.70

$2.14 Rp 38.6K

26.17%

Local Cheese (1kg)

$7.58 BAM 13.18

$17.48 Rp 314.6K

-56.64%

Chicken Fillets (1kg)

$7.07 BAM 12.29

$4.03 Rp 72.5K

75.43%

Beef Round Steak (1kg)

$12.55 BAM 21.82

$12.23 Rp 220.1K

2.62%

Apples (1kg)

$1.35 BAM 2.35

$3.55 Rp 63.9K

-61.97%

Banana (1kg)

$1.59 BAM 2.77

$1.57 Rp 28.3K

1.27%

Oranges (1kg)

$1.55 BAM 2.70

$2.24 Rp 40.2K

-30.80%

Tomato (1kg)

$1.76 BAM 3.06

$1.93 Rp 34.7K

-8.81%

Potato (1kg)

$1.01 BAM 1.76

$1.88 Rp 33.9K

-46.28%

Onion (1kg)

$1.22 BAM 2.13

$2.29 Rp 41.3K

-46.72%

Lettuce (1 head)

$0.58 BAM 1.01

$0.99 Rp 17.9K

-41.41%

Water (1.5 liter bottle)

$0.70 BAM 1.22

$0.53 Rp 9,475

32.08%

Cigarettes 20 Pack (Marlboro, Camel)

$3.35 BAM 5.83

$2.28 Rp 41.1K

46.93%

Wine (Bottle)

$5.58 BAM 9.71

$23.01 Rp 414.2K

-75.75%

Local Beer (0.5 liter bottle)

$0.85 BAM 1.47

$2.34 Rp 42.2K

-63.68%

Imported Beer (0.33 liter bottle)

$0.99 BAM 1.73

$2.91 Rp 52.4K

-65.98%

One-way Ticket (Public Transport)

$0.90 BAM 1.56

$0.24 Rp 4,315

275.00%

Public Transport Monthly Pass (Regular Price)

$31.58 BAM 54.9

$8.82 Rp 158.7K

258.05%

Taxi Start (Normal Tariff)

$1.54 BAM 2.68

$0.48 Rp 8,684

220.83%

Taxi (Normal Tariff) (1km)

$0.87 BAM 1.51

$0.46 Rp 8,233

89.13%

Taxi 1hour Waiting (Normal Tariff)

$8.73 BAM 15.18

$5.45 Rp 98.2K

60.18%

Gasoline (1 liter)

$1.50 BAM 2.60

$0.88 Rp 15.9K

70.45%

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

$30.7K BAM 53.3K

$24.6K Rp 442.2M

24.79%

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

$21.7K BAM 37.7K

$31.2K Rp 561.4M

-30.45%

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

$161 BAM 280

$83.0 Rp 1.5M

93.93%

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

$18.28 BAM 31.79

$6.45 Rp 116.0K

183.41%

Internet (50+ Mbps, Unlimited Data)

$23.97 BAM 41.68

$18.57 Rp 334.2K

29.08%

Gym Membership (Monthly)

$24.06 BAM 41.83

$55.8 Rp 1.0M

-56.90%

Tennis Court (1 Hour on Weekend)

$14.24 BAM 24.76

$18.11 Rp 326.0K

-21.37%

Cinema Ticket

$4.50 BAM 7.83

$4.38 Rp 78.9K

2.74%

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

$134 BAM 234

$493 Rp 8.9M

-72.73%

International Primary School, 1 Child (Yearly)

$3,848 BAM 6,691

$5,754 Rp 103.6M

-33.12%

Jeans (Levis 501 Or Similar)

$50.4 BAM 87.6

$46.19 Rp 831.4K

9.05%

Summer Dress (H&M, Zara, etc)

$30.31 BAM 52.7

$35.33 Rp 636.0K

-14.21%

Sport Shoes (Adidas, Nike)

$92.8 BAM 161

$79.1 Rp 1.4M

17.30%

Men's Leather Business Shoes

$86.9 BAM 151

$78.4 Rp 1.4M

10.79%

1-bedroom Apartment, City Center (Monthly)

$191 BAM 333

$1,142 Rp 20.6M

-83.25%

1-bedroom Apartment, Outside City Center (Monthly)

$142 BAM 247

$676 Rp 12.2M

-78.97%

3-bedroom Apartment, City Center (Monthly)

$267 BAM 465

$3,503 Rp 63.1M

-92.36%

3-bedroom Apartment, Outside City Center (Monthly)

$200 BAM 347

$1,700 Rp 30.6M

-88.25%

Buy Apartment in City Center (m2)

$1,584 BAM 2,754

$2,784 Rp 50.1M

-43.11%

Buy Apartment Outside City Center (m2)

$1,280 BAM 2,227

$2,241 Rp 40.3M

-42.85%

Average Monthly Net Salary (After Tax)

$653 BAM 1,136

$165 Rp 3.0M

297.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

-78.23%

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

Last update for Zenica: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Zenica

$203 23.9%

Ubud, Bali

$108 7.9% 46.8% $95

Groceries & Markets

Zenica

$201 23.6%

Ubud, Bali

$290 21.2% 44.8% $90

Accommodation & Living

Zenica

$142 16.7%

Ubud, Bali

$676 49.4% 376% $534

Clothing & Footwear

Zenica

$117 13.8%

Ubud, Bali

$108 7.9% 8.2% $9.6

Eating Out

Zenica

$113 13.3%

Ubud, Bali

$109 8% 3.7% $4.1

Getting Around

Zenica

$41 4.8%

Ubud, Bali

$13 0.9% 69.4% $29

Sport & Entertainment

Zenica

$33 3.9%

Ubud, Bali

$65 4.7% 95.3% $32

Cost Breakdown

A one-bedroom apartment in the center runs $191 in Zenica and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zenica pays 297% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $18.00 in Zenica vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $201 vs $290 per month, with Zenica cheaper across the board.

Good to know

🇧🇦 Zenica

🇮🇩 Ubud, Bali

🕒 Local time

04:09 4:09 AM

10:09 10:09 AM

6 h ahead of Zenica

🌤 Weather

👥 Population

70,533

74,800

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BAM = 0.575 USD

1 BAM = 0.512 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to BAM – Bosnia and Herzegovina Convertible Mark Converter

🇺🇸 United States Dollar ($)

🇧🇦 Bosnia and Herzegovina Convertible Mark (KM)

Bosnia and Herzegovina Convertible Mark exchange rates as of October 19, 2026: 1 USD = 1.74 BAM (1 BAM = 0.575 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to BAM in detail →

On the map

Lowest

Highest

Between locations

Zenica Ubud, Bali 11,250 km ≈ 15 h nonstop flight

From you

Zenica
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

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.

Average pay runs 297% higher in Zenica, 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: $191 in Zenica versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $134 in Zenica versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 45% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $850 in Zenica versus $1,368 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 $850 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.