Cost of Living Comparison Between Lucerne and Ubud, Bali Cost of Living Comparison Between Lucerne and Ubud, Bali

Monthly Cost of Living

A single person spends $3,847 per month in Lucerne vs $1,408 in Ubud, Bali, rent included.

A couple spends around $5,831 per month in Lucerne vs $2,585 in Ubud, Bali, rent included.

A family of three spends $7,814 per month in Lucerne vs $3,763 in Ubud, Bali, rent included.

Lucerne costs about 173% more than Ubud, Bali, driven mainly by Eating Out.

Both Lucerne and Ubud, Bali sit above the global median – Lucerne by 188%, Ubud, Bali by 5%.

Meal at Budget Restaurant

$36.25 CHF 29.25

$3.45 Rp 62.0K

950.72%

Three-Course Dinner for Two, Mid-Range

$144 CHF 116

$32.34 Rp 580.1K

344.93%

Fast Food Meal (McDonalds, etc)

$15.98 CHF 12.90

$4.84 Rp 86.9K

230.17%

Cappuccino

$6.48 CHF 5.23

$2.75 Rp 49.3K

135.64%

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

$5.25 CHF 4.23

$1.38 Rp 24.8K

280.43%

Water (0.33 liter bottle)

$4.37 CHF 3.53

$0.75 Rp 13.5K

482.67%

Local Beer (0.5 liter draught)

$8.37 CHF 6.75

$2.99 Rp 53.7K

179.93%

Imported Beer (0.33 liter bottle)

$7.28 CHF 5.88

$3.85 Rp 69.1K

89.09%

Milk (1 liter)

$2.24 CHF 1.81

$1.74 Rp 31.1K

28.74%

White Bread (500g)

$3.64 CHF 2.94

$2.46 Rp 44.1K

47.97%

Rice (white) (1kg)

$4.13 CHF 3.33

$1.17 Rp 21.0K

252.99%

Eggs

$7.82 CHF 6.31

$2.43 Rp 43.6K

221.81%

Local Cheese (1kg)

$30.25 CHF 24.41

$14.50 Rp 260.2K

108.62%

Chicken Fillets (1kg)

$35.08 CHF 28.31

$4.35 Rp 78.0K

706.44%

Beef Round Steak (1kg)

$51.2 CHF 41.33

$11.98 Rp 214.9K

327.63%

Apples (1kg)

$3.78 CHF 3.05

$3.72 Rp 66.7K

1.61%

Banana (1kg)

$2.34 CHF 1.89

$1.63 Rp 29.2K

43.56%

Oranges (1kg)

$3.00 CHF 2.42

$2.74 Rp 49.2K

9.49%

Tomato (1kg)

$6.43 CHF 5.19

$2.24 Rp 40.2K

187.05%

Potato (1kg)

$2.39 CHF 1.93

$1.92 Rp 34.4K

24.48%

Onion (1kg)

$2.41 CHF 1.94

$2.28 Rp 40.8K

5.70%

Lettuce (1 head)

$2.66 CHF 2.15

$1.06 Rp 19.1K

150.94%

Water (1.5 liter bottle)

$1.26 CHF 1.02

$0.72 Rp 12.9K

75.00%

Cigarettes 20 Pack (Marlboro, Camel)

$10.89 CHF 8.79

$3.29 Rp 58.9K

231.00%

Wine (Bottle)

$13.24 CHF 10.68

$23.19 Rp 416.1K

-42.91%

Local Beer (0.5 liter bottle)

$2.51 CHF 2.02

$2.78 Rp 49.8K

-9.71%

Imported Beer (0.33 liter bottle)

$3.35 CHF 2.70

$2.73 Rp 49.0K

22.71%

One-way Ticket (Public Transport)

$4.87 CHF 3.93

$0.27 Rp 4,778

1703.70%

Public Transport Monthly Pass (Regular Price)

$97.3 CHF 78.5

$8.11 Rp 145.4K

1100.12%

Taxi Start (Normal Tariff)

$8.16 CHF 6.59

$0.48 Rp 8,659

1600.00%

Taxi (Normal Tariff) (1km)

$4.44 CHF 3.58

$0.42 Rp 7,532

957.14%

Taxi 1hour Waiting (Normal Tariff)

$90.2 CHF 72.8

$6.22 Rp 111.6K

1349.84%

Gasoline (1 liter)

$2.23 CHF 1.80

$0.81 Rp 14.6K

175.31%

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

$40.4K CHF 32.6K

$26.6K Rp 477.4M

51.86%

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

$41.8K CHF 33.7K

$32.2K Rp 577.4M

29.71%

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

$251 CHF 203

$78.4 Rp 1.4M

220.38%

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

$74.5 CHF 60.1

$4.07 Rp 73.0K

1729.73%

Internet (50+ Mbps, Unlimited Data)

$57.5 CHF 46.39

$24.33 Rp 436.4K

136.29%

Gym Membership (Monthly)

$94.4 CHF 76.2

$98.6 Rp 1.8M

-4.26%

Tennis Court (1 Hour on Weekend)

$44.01 CHF 35.51

$6.34 Rp 113.7K

594.16%

Cinema Ticket

$22.12 CHF 17.85

$3.99 Rp 71.5K

454.39%

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

$2,926 CHF 2,361

$305 Rp 5.5M

859.34%

International Primary School, 1 Child (Yearly)

$41.9K CHF 33.8K

$6,642 Rp 119.2M

530.69%

Jeans (Levis 501 Or Similar)

$141 CHF 114

$54.1 Rp 971.2K

161.05%

Summer Dress (H&M, Zara, etc)

$77.9 CHF 62.8

$37.81 Rp 678.2K

105.90%

Sport Shoes (Adidas, Nike)

$131 CHF 106

$86.8 Rp 1.6M

50.56%

Men's Leather Business Shoes

$158 CHF 128

$76.4 Rp 1.4M

107.53%

1-bedroom Apartment, City Center (Monthly)

$1,998 CHF 1,612

$992 Rp 17.8M

101.45%

1-bedroom Apartment, Outside City Center (Monthly)

$1,759 CHF 1,419

$673 Rp 12.1M

161.45%

3-bedroom Apartment, City Center (Monthly)

$2,950 CHF 2,380

$3,375 Rp 60.5M

-12.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,890 CHF 2,332

$2,050 Rp 36.8M

40.94%

Buy Apartment in City Center (m2)

$21.9K CHF 17.7K

$2,805 Rp 50.3M

681.98%

Buy Apartment Outside City Center (m2)

$12.8K CHF 10.3K

$2,227 Rp 39.9M

474.50%

Average Monthly Net Salary (After Tax)

$6,900 CHF 5,568

$167 Rp 3.0M

4033.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.5

13.28

-81.17%

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

Last update for Lucerne: July 14, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A central one-bedroom costs $1,998 in Lucerne versus $992 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 4033% higher in Lucerne, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $144 in Lucerne versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $687 vs $297 – making Ubud, Bali the more affordable choice for daily food spending.

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

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

Yes – Lucerne is pricier by about 173%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $5,771 per month in Lucerne and $2,112 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 1100% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,926 per month in Lucerne and $305 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,408, than in Lucerne at $3,847. In Ubud, Bali it covers expenses comfortably, while in Lucerne it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Lucerne makes more sense. Both are solid long-term options with distinct trade-offs.