Last update: Oct 2026

Cost of Living Comparison Between Bern and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,524 in Bern, rent and utilities included – about $26,100 less a year. Rent and utilities account for about half of the difference.

171

Cost of Living Index in Bern
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Bern Living Index
65

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

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Bern

🇨🇭 Switzerland

$3,524

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,524 in Bern versus $1,349 in Ubud, Bali.

Bern $3,524
Ubud, Bali $1,349

Estimated couple costs with rent: $5,348 in Bern versus $2,305 in Ubud, Bali.

Bern $5,348
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $7,171 in Bern versus $3,261 in Ubud, Bali.

Bern $7,171
Ubud, Bali $3,261

Living in Bern is roughly 161% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$28.73 CHF 23.81

$3.32 Rp 59.9K

765.36%

Three-Course Dinner for Two, Mid-Range

$123 CHF 102

$35.64 Rp 642.4K

244.61%

Fast Food Meal (McDonalds, etc)

$15.88 CHF 13.16

$5.53 Rp 99.7K

187.16%

Cappuccino

$6.89 CHF 5.71

$2.72 Rp 49.0K

153.31%

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

$6.13 CHF 5.08

$1.70 Rp 30.7K

260.59%

Water (0.33 liter bottle)

$6.96 CHF 5.77

$0.76 Rp 13.7K

815.79%

Local Beer (0.5 liter draught)

$9.11 CHF 7.55

$2.65 Rp 47.8K

243.77%

Imported Beer (0.33 liter bottle)

$8.06 CHF 6.68

$4.38 Rp 79.0K

84.02%

Milk (1 liter)

$2.21 CHF 1.84

$1.49 Rp 26.9K

48.32%

White Bread (500g)

$2.92 CHF 2.42

$2.28 Rp 41.0K

28.07%

Rice (white) (1kg)

$3.17 CHF 2.63

$1.19 Rp 21.5K

166.39%

Eggs

$7.70 CHF 6.39

$2.04 Rp 36.7K

277.45%

Local Cheese (1kg)

$24.56 CHF 20.35

$17.70 Rp 319.1K

38.76%

Chicken Fillets (1kg)

$29.33 CHF 24.31

$3.96 Rp 71.4K

640.66%

Beef Round Steak (1kg)

$38.43 CHF 31.85

$12.19 Rp 219.7K

215.26%

Apples (1kg)

$3.80 CHF 3.15

$3.66 Rp 65.9K

3.83%

Banana (1kg)

$2.01 CHF 1.67

$1.52 Rp 27.4K

32.24%

Oranges (1kg)

$2.60 CHF 2.15

$2.23 Rp 40.2K

16.59%

Tomato (1kg)

$4.62 CHF 3.83

$1.97 Rp 35.6K

134.52%

Potato (1kg)

$1.65 CHF 1.37

$1.85 Rp 33.3K

-10.81%

Onion (1kg)

$2.05 CHF 1.70

$2.42 Rp 43.7K

-15.29%

Lettuce (1 head)

$2.21 CHF 1.84

$0.99 Rp 17.8K

123.23%

Water (1.5 liter bottle)

$1.28 CHF 1.06

$0.51 Rp 9,255

150.98%

Cigarettes 20 Pack (Marlboro, Camel)

$11.13 CHF 9.23

$2.22 Rp 40.0K

401.35%

Wine (Bottle)

$11.91 CHF 9.87

$22.24 Rp 400.9K

-46.45%

Local Beer (0.5 liter bottle)

$2.29 CHF 1.90

$2.26 Rp 40.7K

1.33%

Imported Beer (0.33 liter bottle)

$3.02 CHF 2.51

$2.97 Rp 53.5K

1.68%

One-way Ticket (Public Transport)

$6.35 CHF 5.26

$0.25 Rp 4,525

2440.00%

Public Transport Monthly Pass (Regular Price)

$97.9 CHF 81.1

$7.82 Rp 141.0K

1151.53%

Taxi Start (Normal Tariff)

$7.99 CHF 6.62

$0.44 Rp 7,923

1715.91%

Taxi (Normal Tariff) (1km)

$4.66 CHF 3.86

$0.43 Rp 7,753

983.72%

Taxi 1hour Waiting (Normal Tariff)

$110 CHF 91.3

$5.41 Rp 97.5K

1935.49%

Gasoline (1 liter)

$2.36 CHF 1.96

$0.82 Rp 14.9K

187.80%

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

$38.5K CHF 31.9K

$23.8K Rp 429.7M

61.58%

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

$39.6K CHF 32.8K

$31.7K Rp 572.3M

24.73%

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

$272 CHF 225

$79.1 Rp 1.4M

243.78%

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

$28.10 CHF 23.29

$6.45 Rp 116.2K

335.66%

Internet (50+ Mbps, Unlimited Data)

$54.0 CHF 44.79

$18.58 Rp 334.9K

190.80%

Gym Membership (Monthly)

$85.2 CHF 70.6

$49.48 Rp 892.0K

72.19%

Tennis Court (1 Hour on Weekend)

$47.65 CHF 39.50

$17.65 Rp 318.1K

169.97%

Cinema Ticket

$25.53 CHF 21.16

$4.27 Rp 77.0K

497.89%

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

$3,123 CHF 2,589

$491 Rp 8.8M

536.64%

International Primary School, 1 Child (Yearly)

$30.5K CHF 25.3K

$5,674 Rp 102.3M

437.96%

Jeans (Levis 501 Or Similar)

$144 CHF 119

$44.64 Rp 804.7K

222.00%

Summer Dress (H&M, Zara, etc)

$61.4 CHF 50.9

$34.95 Rp 630.1K

75.68%

Sport Shoes (Adidas, Nike)

$155 CHF 129

$79.9 Rp 1.4M

94.33%

Men's Leather Business Shoes

$198 CHF 164

$79.4 Rp 1.4M

149.12%

1-bedroom Apartment, City Center (Monthly)

$2,102 CHF 1,743

$1,125 Rp 20.3M

86.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,584 CHF 1,313

$671 Rp 12.1M

135.91%

3-bedroom Apartment, City Center (Monthly)

$3,558 CHF 2,949

$3,565 Rp 64.3M

-0.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,670 CHF 2,213

$1,723 Rp 31.1M

54.92%

Buy Apartment in City Center (m2)

$18.2K CHF 15.1K

$2,732 Rp 49.2M

567.61%

Buy Apartment Outside City Center (m2)

$14.0K CHF 11.6K

$2,284 Rp 41.2M

513.85%

Average Monthly Net Salary (After Tax)

$6,701 CHF 5,555

$164 Rp 3.0M

3990.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.46

13.78

-82.15%

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

Last update for Bern: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Bern

$1.6K 45%

Ubud, Bali

$672 49.8% 57.6% $913

Groceries & Markets

Bern

$570 16.2%

Ubud, Bali

$288 21.4% 49.4% $281

Eating Out

Bern

$474 13.5%

Ubud, Bali

$108 8% 77.3% $367

Monthly Utilities & Internet

Bern

$354 10%

Ubud, Bali

$104 7.7% 70.6% $250

Clothing & Footwear

Bern

$251 7.1%

Ubud, Bali

$108 8% 57.2% $144

Getting Around

Bern

$155 4.4%

Ubud, Bali

$11 0.9% 92.6% $143

Sport & Entertainment

Bern

$136 3.9%

Ubud, Bali

$58 4.3% 57.4% $78

Cost Breakdown

A one-bedroom apartment in the center runs $2,102 in Bern and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Bern pays about 41 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $123 in Bern vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $570 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Bern

🇮🇩 Ubud, Bali

🕒 Local time

18:43 6:43 PM

01:43 1:43 AM

7 h ahead of Bern

🌤 Weather

👥 Population

128,848 Capital

74,800

💱 Currency

Swiss Franc CHF Fr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CHF = 1.21 USD

1 CHF = 1.08 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD, EUR to CHF – Swiss Franc Converter

🇺🇸 United States Dollar ($)

🇨🇭 Swiss Franc (Fr)

Swiss Franc exchange rates as of October 28, 2026: 1 USD = 0.829 CHF (1 CHF = 1.21 USD). 1 EUR = 0.923 CHF (1 CHF = 1.08 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,066 IDR (100,000 IDR = 4.98 EUR).

USD to CHF in detail →

On the map

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Between locations

Bern Ubud, Bali 12,050 km ≈ 16 h nonstop flight

From you

Bern
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

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

Ubud, Bali wins on cost – living expenses run 62% lower than in Bern. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Bern is about 41 times higher, 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: $2,102 in Bern versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $123 in Bern. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $3,524 per month in Bern versus $1,349 in Ubud, Bali – a 161% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,349 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Bern 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 Ubud, Bali gentler on the wallet – expenses run 62% less than in Bern. Beyond cost, consider language, visa policies, and how big the international community is in each city.