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: $860 in Zenica versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $1,260 in Zenica versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,660 in Zenica versus $3,763 in Ubud, Bali.

Living in Zenica costs roughly 39% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Zenica is 36% below, Ubud, Bali is 5% above.

Meal at Budget Restaurant

$7.06 BAM 12.07

$3.45 Rp 62.0K

104.64%

Three-Course Dinner for Two, Mid-Range

$18.38 BAM 31.44

$32.34 Rp 580.1K

-43.17%

Fast Food Meal (McDonalds, etc)

$4.23 BAM 7.23

$4.84 Rp 86.9K

-12.60%

Cappuccino

$1.61 BAM 2.75

$2.75 Rp 49.3K

-41.45%

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

$1.74 BAM 2.98

$1.38 Rp 24.8K

26.09%

Water (0.33 liter bottle)

$1.17 BAM 2.00

$0.75 Rp 13.5K

56.00%

Local Beer (0.5 liter draught)

$2.03 BAM 3.46

$2.99 Rp 53.7K

-32.11%

Imported Beer (0.33 liter bottle)

$2.02 BAM 3.45

$3.85 Rp 69.1K

-47.53%

Milk (1 liter)

$1.21 BAM 2.08

$1.74 Rp 31.1K

-30.46%

White Bread (500g)

$0.91 BAM 1.56

$2.46 Rp 44.1K

-63.01%

Rice (white) (1kg)

$1.78 BAM 3.04

$1.17 Rp 21.0K

52.14%

Eggs

$2.69 BAM 4.59

$2.43 Rp 43.6K

10.70%

Local Cheese (1kg)

$7.76 BAM 13.28

$14.50 Rp 260.2K

-46.48%

Chicken Fillets (1kg)

$7.39 BAM 12.64

$4.35 Rp 78.0K

69.89%

Beef Round Steak (1kg)

$12.68 BAM 21.69

$11.98 Rp 214.9K

5.84%

Apples (1kg)

$1.34 BAM 2.30

$3.72 Rp 66.7K

-63.98%

Banana (1kg)

$1.63 BAM 2.78

$1.63 Rp 29.2K

Oranges (1kg)

$1.55 BAM 2.66

$2.74 Rp 49.2K

-43.43%

Tomato (1kg)

$1.83 BAM 3.13

$2.24 Rp 40.2K

-18.30%

Potato (1kg)

$1.01 BAM 1.73

$1.92 Rp 34.4K

-47.40%

Onion (1kg)

$1.31 BAM 2.23

$2.28 Rp 40.8K

-42.54%

Lettuce (1 head)

$0.62 BAM 1.06

$1.06 Rp 19.1K

-41.51%

Water (1.5 liter bottle)

$0.78 BAM 1.33

$0.72 Rp 12.9K

8.33%

Cigarettes 20 Pack (Marlboro, Camel)

$3.47 BAM 5.93

$3.29 Rp 58.9K

5.47%

Wine (Bottle)

$4.00 BAM 6.84

$23.19 Rp 416.1K

-82.75%

Local Beer (0.5 liter bottle)

$0.85 BAM 1.45

$2.78 Rp 49.8K

-69.42%

Imported Beer (0.33 liter bottle)

$1.01 BAM 1.74

$2.73 Rp 49.0K

-63.00%

One-way Ticket (Public Transport)

$0.90 BAM 1.54

$0.27 Rp 4,778

233.33%

Public Transport Monthly Pass (Regular Price)

$32.07 BAM 54.8

$8.11 Rp 145.4K

295.44%

Taxi Start (Normal Tariff)

$1.58 BAM 2.70

$0.48 Rp 8,659

229.17%

Taxi (Normal Tariff) (1km)

$0.83 BAM 1.43

$0.42 Rp 7,532

97.62%

Taxi 1hour Waiting (Normal Tariff)

$8.81 BAM 15.06

$6.22 Rp 111.6K

41.64%

Gasoline (1 liter)

$1.44 BAM 2.47

$0.81 Rp 14.6K

77.78%

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

$24.0K BAM 41.1K

$26.6K Rp 477.4M

-9.65%

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

$26.1K BAM 44.6K

$32.2K Rp 577.4M

-19.06%

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

$167 BAM 285

$78.4 Rp 1.4M

112.71%

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

$19.21 BAM 32.85

$4.07 Rp 73.0K

371.99%

Internet (50+ Mbps, Unlimited Data)

$25.03 BAM 42.81

$24.33 Rp 436.4K

2.88%

Gym Membership (Monthly)

$24.42 BAM 41.77

$98.6 Rp 1.8M

-75.24%

Tennis Court (1 Hour on Weekend)

$14.91 BAM 25.51

$6.34 Rp 113.7K

135.17%

Cinema Ticket

$4.79 BAM 8.20

$3.99 Rp 71.5K

20.05%

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

$154 BAM 264

$305 Rp 5.5M

-49.46%

International Primary School, 1 Child (Yearly)

$3,252 BAM 5,561

$6,642 Rp 119.2M

-51.04%

Jeans (Levis 501 Or Similar)

$50.5 BAM 86.3

$54.1 Rp 971.2K

-6.76%

Summer Dress (H&M, Zara, etc)

$30.90 BAM 52.9

$37.81 Rp 678.2K

-18.28%

Sport Shoes (Adidas, Nike)

$96.0 BAM 164

$86.8 Rp 1.6M

10.59%

Men's Leather Business Shoes

$88.7 BAM 152

$76.4 Rp 1.4M

16.23%

1-bedroom Apartment, City Center (Monthly)

$199 BAM 341

$992 Rp 17.8M

-79.89%

1-bedroom Apartment, Outside City Center (Monthly)

$147 BAM 251

$673 Rp 12.1M

-78.17%

3-bedroom Apartment, City Center (Monthly)

$280 BAM 480

$3,375 Rp 60.5M

-91.69%

3-bedroom Apartment, Outside City Center (Monthly)

$209 BAM 357

$2,050 Rp 36.8M

-89.81%

Buy Apartment in City Center (m2)

$1,609 BAM 2,753

$2,805 Rp 50.3M

-42.61%

Buy Apartment Outside City Center (m2)

$1,328 BAM 2,272

$2,227 Rp 39.9M

-40.36%

Average Monthly Net Salary (After Tax)

$719 BAM 1,230

$167 Rp 3.0M

330.64%

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: July 12, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $199 in Zenica and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zenica pays 331% 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 $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $201 vs $297 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 64% 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 331% 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: $199 in Zenica versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $154 in Zenica versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 48% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $860 in Zenica versus $1,408 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 $860 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 64% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.