Last update: Oct 2026

Cost of Living Comparison Between Zepce and Ubud, Bali

For one person, living is cheaper in Zepce: $1,080 a month against $1,353 in Ubud, Bali, rent and utilities included – about $3,300 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

53

Cost of Living Index in Zepce
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Zepce Living Index
66

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

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Zepce

🇧🇦 Bosnia and Herzegovina

$1,080

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,080 in Zepce versus $1,353 in Ubud, Bali.

Zepce $1,080
Ubud, Bali $1,353

Estimated couple costs with rent: $1,658 in Zepce versus $2,297 in Ubud, Bali.

Zepce $1,658
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $2,235 in Zepce versus $3,241 in Ubud, Bali.

Zepce $2,235
Ubud, Bali $3,241

Living in Zepce costs roughly 20% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

Meal at Budget Restaurant

$9.84 BAM 17.17

$3.23 Rp 58.3K

204.64%

Three-Course Dinner for Two, Mid-Range

$51.5 BAM 89.9

$34.88 Rp 629.5K

47.65%

Fast Food Meal (McDonalds, etc)

$10.98 BAM 19.15

$5.70 Rp 102.8K

92.63%

Cappuccino

$1.79 BAM 3.12

$2.62 Rp 47.2K

-31.68%

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

$2.60 BAM 4.54

$1.72 Rp 31.1K

51.16%

Water (0.33 liter bottle)

$1.62 BAM 2.82

$0.81 Rp 14.6K

100.00%

Local Beer (0.5 liter draught)

$2.46 BAM 4.30

$2.65 Rp 47.8K

-7.17%

Imported Beer (0.33 liter bottle)

$3.39 BAM 5.91

$4.37 Rp 78.8K

-22.43%

Milk (1 liter)

$1.39 BAM 2.42

$1.57 Rp 28.4K

-11.46%

White Bread (500g)

$1.18 BAM 2.06

$2.19 Rp 39.6K

-46.12%

Rice (white) (1kg)

$1.60 BAM 2.79

$1.18 Rp 21.2K

35.59%

Eggs

$2.81 BAM 4.90

$2.16 Rp 38.9K

30.09%

Local Cheese (1kg)

$9.73 BAM 16.97

$17.65 Rp 318.5K

-44.87%

Chicken Fillets (1kg)

$8.85 BAM 15.44

$3.78 Rp 68.2K

134.13%

Beef Round Steak (1kg)

$13.83 BAM 24.13

$11.95 Rp 215.7K

15.73%

Apples (1kg)

$1.77 BAM 3.09

$3.60 Rp 65.0K

-50.83%

Banana (1kg)

$1.95 BAM 3.41

$1.59 Rp 28.7K

22.64%

Oranges (1kg)

$2.16 BAM 3.77

$2.31 Rp 41.7K

-6.49%

Tomato (1kg)

$2.24 BAM 3.90

$1.91 Rp 34.4K

17.28%

Potato (1kg)

$0.99 BAM 1.72

$1.78 Rp 32.1K

-44.38%

Onion (1kg)

$1.41 BAM 2.46

$2.33 Rp 42.0K

-39.48%

Lettuce (1 head)

$1.13 BAM 1.97

$1.00 Rp 18.0K

13.00%

Water (1.5 liter bottle)

$0.91 BAM 1.58

$0.53 Rp 9,536

71.70%

Cigarettes 20 Pack (Marlboro, Camel)

$3.80 BAM 6.63

$2.29 Rp 41.3K

65.94%

Wine (Bottle)

$8.29 BAM 14.47

$22.07 Rp 398.4K

-62.44%

Local Beer (0.5 liter bottle)

$0.95 BAM 1.65

$2.35 Rp 42.4K

-59.57%

Imported Beer (0.33 liter bottle)

$1.39 BAM 2.43

$2.98 Rp 53.7K

-53.36%

One-way Ticket (Public Transport)

$1.38 BAM 2.40

$0.23 Rp 4,123

500.00%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.6K

Taxi Start (Normal Tariff)

$1.68 BAM 2.93

$0.47 Rp 8,490

257.45%

Taxi (Normal Tariff) (1km)

$1.18 BAM 2.06

$0.43 Rp 7,759

174.42%

Taxi 1hour Waiting (Normal Tariff)

$17.42 BAM 30.38

$5.47 Rp 98.7K

218.46%

Gasoline (1 liter)

$1.69 BAM 2.94

$0.83 Rp 14.9K

103.61%

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

$30.0K BAM 52.3K

$23.9K Rp 431.0M

25.67%

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

$21.4K BAM 37.4K

$32.8K Rp 591.8M

-34.69%

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

$158 BAM 275

$80.0 Rp 1.4M

97.05%

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

$16.18 BAM 28.23

$6.56 Rp 118.4K

146.65%

Internet (50+ Mbps, Unlimited Data)

$36.75 BAM 64.1

$18.60 Rp 335.8K

97.58%

Gym Membership (Monthly)

$32.50 BAM 56.7

$54.1 Rp 976.8K

-39.95%

Tennis Court (1 Hour on Weekend)

$11.42 BAM 19.92

$18.28 Rp 329.9K

-37.53%

Cinema Ticket

$2.89 BAM 5.04

$4.25 Rp 76.8K

-32.00%

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

$288 BAM 502

$493 Rp 8.9M

-41.57%

International Primary School, 1 Child (Yearly)

$3,555 BAM 6,202

$5,597 Rp 101.0M

-36.48%

Jeans (Levis 501 Or Similar)

$83.9 BAM 146

$45.58 Rp 822.6K

84.07%

Summer Dress (H&M, Zara, etc)

$35.69 BAM 62.3

$34.96 Rp 631.1K

2.09%

Sport Shoes (Adidas, Nike)

$106 BAM 184

$77.7 Rp 1.4M

35.91%

Men's Leather Business Shoes

$145 BAM 253

$78.5 Rp 1.4M

84.46%

1-bedroom Apartment, City Center (Monthly)

$294 BAM 514

$1,131 Rp 20.4M

-73.98%

1-bedroom Apartment, Outside City Center (Monthly)

$239 BAM 416

$673 Rp 12.1M

-64.53%

3-bedroom Apartment, City Center (Monthly)

$579 BAM 1,009

$3,613 Rp 65.2M

-83.98%

3-bedroom Apartment, Outside City Center (Monthly)

$356 BAM 622

$1,702 Rp 30.7M

-79.05%

Buy Apartment in City Center (m2)

$2,734 BAM 4,770

$2,717 Rp 49.0M

0.61%

Buy Apartment Outside City Center (m2)

$1,777 BAM 3,101

$2,241 Rp 40.5M

-20.69%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

4.44

13.78

-67.78%

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

Last update for Zepce: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Groceries & Markets

Zepce

$244 22.6%

Ubud, Bali

$287 21.2% 17.7% $43

Accommodation & Living

Zepce

$239 22.1%

Ubud, Bali

$673 49.7% 182% $434

Monthly Utilities & Internet

Zepce

$211 19.5%

Ubud, Bali

$105 7.8% 50.1% $105

Eating Out

Zepce

$169 15.7%

Ubud, Bali

$106 7.9% 37% $63

Clothing & Footwear

Zepce

$167 15.4%

Ubud, Bali

$107 7.9% 36% $60

Sport & Entertainment

Zepce

$38 3.5%

Ubud, Bali

$63 4.6% 63.6% $24

Getting Around

Zepce

$13 * 1.2%

Ubud, Bali

$12 0.9% 5.1% $0.7

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $294 in Zepce and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $52 in Zepce vs $35 in Ubud, Bali. Groceries flip the comparison at $244 vs $287, with Zepce cheaper for home cooking.

Good to know

🇧🇦 Zepce

🇮🇩 Ubud, Bali

🕒 Local time

20:11 8:11 PM

03:11 3:11 AM

7 h ahead of Zepce

🌤 Weather

👥 Population

7,500

74,800

💱 Currency

Bosnia and Herzegovina Convertible Mark BAM KM

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 BAM = 0.573 USD

1 BAM = 0.512 EUR

100,000 IDR = 5.54 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 25, 2026: 1 USD = 1.74 BAM (1 BAM = 0.573 USD). 1 EUR = 1.95 BAM (1 BAM = 0.512 EUR).

Indonesian Rupiah exchange rates as of October 25, 2026: 1 USD = 18,050 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,224 IDR (100,000 IDR = 4.94 EUR).

USD to BAM in detail →

On the map

Lowest

Highest

Between locations

Zepce Ubud, Bali 11,240 km ≈ 15 h nonstop flight

From you

Zepce
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

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

Zepce wins on cost – living expenses run 20% lower than in Ubud, Bali. Housing and daily spending are where you’ll feel the difference most, making Zepce the obvious pick if budget is a priority.

You’d need roughly $1,620 in Zepce and $2,030 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $294 in Zepce versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 18% higher in Ubud, Bali. For households that cook at home regularly, that difference adds up over a month.

All in, you’ll spend $1,080 per month in Zepce versus $1,353 in Ubud, Bali – a 25% gap that adds up to real savings over time for anyone picking the cheaper option.

Either city works on $1,500 a month, though Zepce gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Zepce 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.