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: $896 in Zenica versus $1,396 in Ubud, Bali.

Estimated couple costs with rent: $1,301 in Zenica versus $2,334 in Ubud, Bali.

Monthly costs for a family of three with rent: $1,707 in Zenica versus $3,273 in Ubud, Bali.

Living in Zenica costs roughly 36% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Zenica is 35% below, Ubud, Bali is 2% above.

Meal at Budget Restaurant

$7.29 BAM 12.30

$3.37 Rp 59.9K

116.32%

Three-Course Dinner for Two, Mid-Range

$18.80 BAM 31.70

$38.59 Rp 685.5K

-51.28%

Fast Food Meal (McDonalds, etc)

$4.14 BAM 6.98

$5.52 Rp 98.1K

-25.00%

Cappuccino

$1.65 BAM 2.79

$2.64 Rp 47.0K

-37.50%

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

$1.73 BAM 2.92

$1.67 Rp 29.7K

3.59%

Water (0.33 liter bottle)

$1.27 BAM 2.14

$0.77 Rp 13.7K

64.94%

Local Beer (0.5 liter draught)

$2.05 BAM 3.46

$2.63 Rp 46.8K

-22.05%

Imported Beer (0.33 liter bottle)

$2.09 BAM 3.53

$4.28 Rp 76.1K

-51.17%

Milk (1 liter)

$1.29 BAM 2.18

$1.55 Rp 27.5K

-16.77%

White Bread (500g)

$0.89 BAM 1.49

$2.22 Rp 39.5K

-59.91%

Rice (white) (1kg)

$1.75 BAM 2.96

$1.13 Rp 20.0K

54.87%

Eggs

$2.82 BAM 4.76

$2.09 Rp 37.1K

34.93%

Local Cheese (1kg)

$7.73 BAM 13.04

$17.39 Rp 309.0K

-55.55%

Chicken Fillets (1kg)

$7.29 BAM 12.30

$3.87 Rp 68.7K

88.37%

Beef Round Steak (1kg)

$12.68 BAM 21.39

$12.55 Rp 222.9K

1.04%

Apples (1kg)

$1.36 BAM 2.30

$3.62 Rp 64.2K

-62.43%

Banana (1kg)

$1.65 BAM 2.78

$1.56 Rp 27.7K

5.77%

Oranges (1kg)

$1.56 BAM 2.63

$2.35 Rp 41.8K

-33.62%

Tomato (1kg)

$1.93 BAM 3.26

$2.06 Rp 36.5K

-6.31%

Potato (1kg)

$1.02 BAM 1.72

$1.90 Rp 33.7K

-46.32%

Onion (1kg)

$1.32 BAM 2.23

$2.34 Rp 41.5K

-43.59%

Lettuce (1 head)

$0.57 BAM 0.96

$1.03 Rp 18.3K

-44.66%

Water (1.5 liter bottle)

$0.72 BAM 1.22

$0.55 Rp 9,854

30.91%

Cigarettes 20 Pack (Marlboro, Camel)

$3.59 BAM 6.05

$2.25 Rp 40.0K

59.56%

Wine (Bottle)

$5.79 BAM 9.77

$23.81 Rp 422.9K

-75.68%

Local Beer (0.5 liter bottle)

$0.91 BAM 1.54

$2.31 Rp 41.1K

-60.61%

Imported Beer (0.33 liter bottle)

$1.02 BAM 1.72

$2.80 Rp 49.8K

-63.57%

One-way Ticket (Public Transport)

$0.90 BAM 1.52

$0.27 Rp 4,839

233.33%

Public Transport Monthly Pass (Regular Price)

$32.99 BAM 55.6

$8.66 Rp 153.9K

280.95%

Taxi Start (Normal Tariff)

$1.60 BAM 2.70

$0.48 Rp 8,554

233.33%

Taxi (Normal Tariff) (1km)

$0.85 BAM 1.43

$0.45 Rp 7,924

88.89%

Taxi 1hour Waiting (Normal Tariff)

$9.15 BAM 15.44

$5.72 Rp 101.6K

59.97%

Gasoline (1 liter)

$1.53 BAM 2.59

$0.76 Rp 13.5K

101.32%

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

$32.2K BAM 54.4K

$24.5K Rp 434.9M

31.65%

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

$22.5K BAM 38.0K

$32.1K Rp 570.6M

-29.89%

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

$169 BAM 286

$83.6 Rp 1.5M

102.74%

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

$19.04 BAM 32.11

$6.46 Rp 114.7K

194.74%

Internet (50+ Mbps, Unlimited Data)

$24.26 BAM 40.91

$18.99 Rp 337.4K

27.75%

Gym Membership (Monthly)

$24.64 BAM 41.56

$56.0 Rp 994.4K

-55.98%

Tennis Court (1 Hour on Weekend)

$15.00 BAM 25.30

$18.62 Rp 330.7K

-19.44%

Cinema Ticket

$4.62 BAM 7.79

$4.28 Rp 76.1K

7.94%

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

$151 BAM 255

$487 Rp 8.6M

-68.98%

International Primary School, 1 Child (Yearly)

$3,963 BAM 6,683

$5,856 Rp 104.0M

-32.32%

Jeans (Levis 501 Or Similar)

$51.7 BAM 87.2

$45.56 Rp 809.3K

13.45%

Summer Dress (H&M, Zara, etc)

$32.04 BAM 54.0

$36.38 Rp 646.3K

-11.93%

Sport Shoes (Adidas, Nike)

$93.3 BAM 157

$82.0 Rp 1.5M

13.78%

Men's Leather Business Shoes

$89.3 BAM 151

$80.4 Rp 1.4M

11.03%

1-bedroom Apartment, City Center (Monthly)

$195 BAM 328

$1,117 Rp 19.8M

-82.57%

1-bedroom Apartment, Outside City Center (Monthly)

$147 BAM 248

$701 Rp 12.5M

-79.03%

3-bedroom Apartment, City Center (Monthly)

$274 BAM 462

$3,537 Rp 62.8M

-92.26%

3-bedroom Apartment, Outside City Center (Monthly)

$209 BAM 353

$1,762 Rp 31.3M

-88.11%

Buy Apartment in City Center (m2)

$1,625 BAM 2,741

$2,826 Rp 50.2M

-42.49%

Buy Apartment Outside City Center (m2)

$1,335 BAM 2,251

$2,292 Rp 40.7M

-41.77%

Average Monthly Net Salary (After Tax)

$673 BAM 1,135

$170 Rp 3.0M

296.34%

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: August 29, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $195 in Zenica and $1,117 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zenica pays 296% 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 $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $205 vs $293 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 56% 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 296% 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: $195 in Zenica versus $1,117 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $151 in Zenica versus $487 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 43% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

At $896 in Zenica versus $1,396 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 $896 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 56% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.