Last update: Oct 2026

Cost of Living Comparison Between Cham and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,575 in Cham, rent and utilities included – about $26,700 less a year. Rent and utilities account for about half of the difference.

172

Cost of Living Index in Cham
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Cham Living Index
65

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

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Cham

🇨🇭 Switzerland

$3,575

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,575 in Cham versus $1,349 in Ubud, Bali.

Cham $3,575
Ubud, Bali $1,349

Estimated couple costs with rent: $5,453 in Cham versus $2,305 in Ubud, Bali.

Cham $5,453
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $7,331 in Cham versus $3,261 in Ubud, Bali.

Cham $7,331
Ubud, Bali $3,261

Living in Cham is roughly 165% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$29.74 CHF 24.67

$3.32 Rp 60.4K

795.78%

Three-Course Dinner for Two, Mid-Range

$122 CHF 101

$35.64 Rp 647.8K

241.36%

Fast Food Meal (McDonalds, etc)

$17.93 CHF 14.87

$5.53 Rp 100.6K

224.23%

Cappuccino

$5.82 CHF 4.83

$2.72 Rp 49.4K

113.97%

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

$5.32 CHF 4.42

$1.70 Rp 30.9K

212.94%

Water (0.33 liter bottle)

$4.87 CHF 4.04

$0.76 Rp 13.8K

540.79%

Local Beer (0.5 liter draught)

$8.45 CHF 7.01

$2.65 Rp 48.2K

218.87%

Imported Beer (0.33 liter bottle)

$6.53 CHF 5.42

$4.38 Rp 79.6K

49.09%

Milk (1 liter)

$2.13 CHF 1.76

$1.49 Rp 27.1K

42.95%

White Bread (500g)

$3.76 CHF 3.12

$2.28 Rp 41.4K

64.91%

Rice (white) (1kg)

$3.62 CHF 3.00

$1.19 Rp 21.6K

204.20%

Eggs

$7.27 CHF 6.03

$2.04 Rp 37.0K

256.37%

Local Cheese (1kg)

$26.38 CHF 21.88

$17.70 Rp 321.7K

49.04%

Chicken Fillets (1kg)

$28.65 CHF 23.77

$3.96 Rp 72.0K

623.48%

Beef Round Steak (1kg)

$42.06 CHF 34.89

$12.19 Rp 221.6K

245.04%

Apples (1kg)

$3.91 CHF 3.25

$3.66 Rp 66.4K

6.83%

Banana (1kg)

$2.15 CHF 1.78

$1.52 Rp 27.6K

41.45%

Oranges (1kg)

$3.10 CHF 2.57

$2.23 Rp 40.5K

39.01%

Tomato (1kg)

$4.58 CHF 3.80

$1.97 Rp 35.9K

132.49%

Potato (1kg)

$2.25 CHF 1.87

$1.85 Rp 33.6K

21.62%

Onion (1kg)

$2.24 CHF 1.86

$2.42 Rp 44.1K

-7.44%

Lettuce (1 head)

$2.39 CHF 1.98

$0.99 Rp 18.0K

141.41%

Water (1.5 liter bottle)

$1.11 CHF 0.92

$0.51 Rp 9,332

117.65%

Cigarettes 20 Pack (Marlboro, Camel)

$11.02 CHF 9.15

$2.22 Rp 40.4K

396.40%

Wine (Bottle)

$12.08 CHF 10.02

$22.24 Rp 404.2K

-45.68%

Local Beer (0.5 liter bottle)

$2.82 CHF 2.34

$2.26 Rp 41.1K

24.78%

Imported Beer (0.33 liter bottle)

$3.10 CHF 2.58

$2.97 Rp 54.0K

4.38%

One-way Ticket (Public Transport)

$5.13 CHF 4.26

$0.25 Rp 4,562

1952.00%

Public Transport Monthly Pass (Regular Price)

$146 CHF 121

$7.82 Rp 142.2K

1767.90%

Taxi Start (Normal Tariff)

$4.44 CHF 3.69

$0.44 Rp 7,989

909.09%

Taxi (Normal Tariff) (1km)

$2.96 CHF 2.45

$0.43 Rp 7,817

588.37%

Taxi 1hour Waiting (Normal Tariff)

$59.7 CHF 49.49

$5.41 Rp 98.3K

1002.77%

Gasoline (1 liter)

$2.19 CHF 1.82

$0.82 Rp 15.0K

167.07%

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

$39.7K CHF 32.9K

$23.8K Rp 433.3M

66.42%

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

$39.9K CHF 33.1K

$31.7K Rp 577.0M

25.71%

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

$286 CHF 237

$79.1 Rp 1.4M

261.74%

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

$29.15 CHF 24.18

$6.45 Rp 117.2K

351.94%

Internet (50+ Mbps, Unlimited Data)

$54.8 CHF 45.49

$18.58 Rp 337.7K

195.16%

Gym Membership (Monthly)

$85.3 CHF 70.7

$49.48 Rp 899.4K

72.29%

Tennis Court (1 Hour on Weekend)

$40.01 CHF 33.19

$17.65 Rp 320.8K

126.69%

Cinema Ticket

$22.10 CHF 18.34

$4.27 Rp 77.7K

417.56%

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

$1,488 CHF 1,234

$491 Rp 8.9M

203.27%

International Primary School, 1 Child (Yearly)

$24.7K CHF 20.5K

$5,674 Rp 103.1M

335.34%

Jeans (Levis 501 Or Similar)

$137 CHF 114

$44.64 Rp 811.4K

207.06%

Summer Dress (H&M, Zara, etc)

$54.0 CHF 44.76

$34.95 Rp 635.3K

54.36%

Sport Shoes (Adidas, Nike)

$157 CHF 130

$79.9 Rp 1.5M

96.62%

Men's Leather Business Shoes

$249 CHF 206

$79.4 Rp 1.4M

212.92%

1-bedroom Apartment, City Center (Monthly)

$1,780 CHF 1,477

$1,125 Rp 20.4M

58.28%

1-bedroom Apartment, Outside City Center (Monthly)

$1,566 CHF 1,299

$671 Rp 12.2M

133.25%

3-bedroom Apartment, City Center (Monthly)

$2,896 CHF 2,402

$3,565 Rp 64.8M

-18.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,704 CHF 2,243

$1,723 Rp 31.3M

56.93%

Buy Apartment in City Center (m2)

$13.0K CHF 10.8K

$2,732 Rp 49.6M

376.52%

Buy Apartment Outside City Center (m2)

$11.7K CHF 9,730

$2,284 Rp 41.5M

413.49%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

2.03

13.78

-85.27%

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

Last update for Cham: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Cham

$1.6K 43.8%

Ubud, Bali

$672 49.8% 57.1% $895

Groceries & Markets

Cham

$597 16.7%

Ubud, Bali

$288 21.4% 51.7% $309

Eating Out

Cham

$458 12.8%

Ubud, Bali

$108 8% 76.5% $350

Monthly Utilities & Internet

Cham

$370 10.4%

Ubud, Bali

$104 7.7% 71.9% $266

Clothing & Footwear

Cham

$268 7.5%

Ubud, Bali

$108 8% 60% $161

Getting Around

Cham

$186 5.2%

Ubud, Bali

$11 0.9% 93.9% $174

Sport & Entertainment

Cham

$129 3.6%

Ubud, Bali

$58 4.3% 55.2% $71

Cost Breakdown

A one-bedroom apartment in the center runs $1,780 in Cham and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $122 in Cham vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $597 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Cham

🇮🇩 Ubud, Bali

🕒 Local time

14:01 2:01 PM

21:01 9:01 PM

7 h ahead of Cham

🌤 Weather

👥 Population

17,060

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 = 5.5 USD

100,000 IDR = 4.94 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 = 0.83 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 = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

USD to CHF in detail →

On the map

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Between locations

Cham Ubud, Bali 11,970 km ≈ 15 h nonstop flight

From you

Cham
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

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

Ubud, Bali is cheaper overall, especially in eating out, groceries, and transport. The 165% gap adds up to real monthly savings that compound significantly over time.

You’d need roughly $5,362 in Cham and $2,023 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: $1,780 in Cham versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,488 in Cham versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 107% higher in Cham. For households that cook at home regularly, that difference adds up over a month.

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 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, Cham 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 Cham. Beyond cost, consider language, visa policies, and how big the international community is in each city.