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 $3,854 per month in Lucerne vs $1,419 in Ubud, Bali, rent included.

A couple spends around $5,941 per month in Lucerne vs $2,540 in Ubud, Bali, rent included.

A family of three spends $8,028 per month in Lucerne vs $3,660 in Ubud, Bali, rent included.

Lucerne costs about 172% 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 6%.

Meal at Budget Restaurant

$36.59 CHF 28.84

$3.56 Rp 63.7K

927.81%

Three-Course Dinner for Two, Mid-Range

$142 CHF 112

$32.73 Rp 584.5K

333.00%

Fast Food Meal (McDonalds, etc)

$15.91 CHF 12.55

$4.95 Rp 88.4K

221.41%

Cappuccino

$6.72 CHF 5.30

$2.71 Rp 48.4K

147.97%

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

$5.26 CHF 4.15

$1.34 Rp 24.0K

292.54%

Water (0.33 liter bottle)

$4.41 CHF 3.47

$0.70 Rp 12.5K

530.00%

Local Beer (0.5 liter draught)

$8.51 CHF 6.71

$2.92 Rp 52.1K

191.44%

Imported Beer (0.33 liter bottle)

$7.43 CHF 5.86

$3.96 Rp 70.7K

87.63%

Milk (1 liter)

$2.24 CHF 1.76

$1.81 Rp 32.3K

23.76%

White Bread (500g)

$3.65 CHF 2.88

$2.52 Rp 45.0K

44.84%

Rice (white) (1kg)

$4.05 CHF 3.19

$1.16 Rp 20.7K

249.14%

Eggs

$7.80 CHF 6.15

$2.46 Rp 43.9K

217.07%

Local Cheese (1kg)

$31.04 CHF 24.47

$14.71 Rp 262.7K

111.01%

Chicken Fillets (1kg)

$35.06 CHF 27.64

$4.32 Rp 77.1K

711.57%

Beef Round Steak (1kg)

$50.8 CHF 40.01

$12.14 Rp 216.7K

318.04%

Apples (1kg)

$3.74 CHF 2.95

$3.84 Rp 68.6K

-2.60%

Banana (1kg)

$2.23 CHF 1.76

$1.56 Rp 27.8K

42.95%

Oranges (1kg)

$2.98 CHF 2.35

$2.83 Rp 50.6K

5.30%

Tomato (1kg)

$6.51 CHF 5.13

$2.33 Rp 41.5K

179.40%

Potato (1kg)

$2.37 CHF 1.87

$1.91 Rp 34.2K

24.08%

Onion (1kg)

$2.50 CHF 1.97

$2.20 Rp 39.3K

13.64%

Lettuce (1 head)

$2.55 CHF 2.01

$1.01 Rp 18.1K

152.48%

Water (1.5 liter bottle)

$1.28 CHF 1.01

$0.78 Rp 13.8K

64.10%

Cigarettes 20 Pack (Marlboro, Camel)

$10.97 CHF 8.65

$3.32 Rp 59.2K

230.42%

Wine (Bottle)

$13.89 CHF 10.95

$23.74 Rp 423.9K

-41.49%

Local Beer (0.5 liter bottle)

$2.40 CHF 1.89

$2.79 Rp 49.8K

-13.98%

Imported Beer (0.33 liter bottle)

$3.37 CHF 2.65

$2.86 Rp 51.1K

17.83%

One-way Ticket (Public Transport)

$4.99 CHF 3.94

$0.27 Rp 4,800

1748.15%

Public Transport Monthly Pass (Regular Price)

$98.6 CHF 77.7

$8.03 Rp 143.4K

1127.40%

Taxi Start (Normal Tariff)

$8.04 CHF 6.34

$0.46 Rp 8,150

1647.83%

Taxi (Normal Tariff) (1km)

$4.56 CHF 3.59

$0.45 Rp 8,037

913.33%

Taxi 1hour Waiting (Normal Tariff)

$89.7 CHF 70.7

$6.10 Rp 108.9K

1369.67%

Gasoline (1 liter)

$2.13 CHF 1.68

$0.79 Rp 14.2K

169.62%

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

$41.2K CHF 32.4K

$26.1K Rp 467.0M

57.37%

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

$41.6K CHF 32.8K

$32.1K Rp 573.6M

29.62%

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

$251 CHF 198

$79.9 Rp 1.4M

214.51%

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

$73.1 CHF 57.6

$4.06 Rp 72.6K

1700.49%

Internet (50+ Mbps, Unlimited Data)

$55.4 CHF 43.68

$23.52 Rp 420.0K

135.59%

Gym Membership (Monthly)

$93.0 CHF 73.3

$98.7 Rp 1.8M

-5.79%

Tennis Court (1 Hour on Weekend)

$43.86 CHF 34.58

$6.63 Rp 118.4K

561.54%

Cinema Ticket

$22.03 CHF 17.37

$4.15 Rp 74.1K

430.84%

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

$2,957 CHF 2,332

$304 Rp 5.4M

872.94%

International Primary School, 1 Child (Yearly)

$43.1K CHF 34.0K

$6,613 Rp 118.1M

551.78%

Jeans (Levis 501 Or Similar)

$136 CHF 107

$55.5 Rp 991.8K

145.10%

Summer Dress (H&M, Zara, etc)

$76.8 CHF 60.5

$38.31 Rp 684.1K

100.37%

Sport Shoes (Adidas, Nike)

$131 CHF 103

$88.6 Rp 1.6M

47.44%

Men's Leather Business Shoes

$159 CHF 125

$77.9 Rp 1.4M

103.60%

1-bedroom Apartment, City Center (Monthly)

$2,052 CHF 1,618

$1,006 Rp 18.0M

103.89%

1-bedroom Apartment, Outside City Center (Monthly)

$1,747 CHF 1,377

$675 Rp 12.1M

158.64%

3-bedroom Apartment, City Center (Monthly)

$2,982 CHF 2,351

$3,442 Rp 61.5M

-13.36%

3-bedroom Apartment, Outside City Center (Monthly)

$2,865 CHF 2,259

$2,039 Rp 36.4M

40.49%

Buy Apartment in City Center (m2)

$20.2K CHF 15.9K

$2,841 Rp 50.7M

610.48%

Buy Apartment Outside City Center (m2)

$12.4K CHF 9,761

$2,264 Rp 40.4M

446.89%

Average Monthly Net Salary (After Tax)

$6,979 CHF 5,502

$165 Rp 3.0M

4123.64%

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: May 31, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A central one-bedroom costs $2,052 in Lucerne versus $1,006 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 4124% 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 $142 in Lucerne versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $688 vs $302 – 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 172%, 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 $5,782 per month in Lucerne and $2,129 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 1127% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,957 per month in Lucerne and $304 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 $1,419, than in Lucerne at $3,854. 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.