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 $3,780 per month in Lucerne vs $1,396 in Ubud, Bali, rent included.

A couple spends around $5,630 per month in Lucerne vs $2,334 in Ubud, Bali, rent included.

A family of three spends $7,481 per month in Lucerne vs $3,273 in Ubud, Bali, rent included.

Lucerne costs about 171% more than Ubud, Bali, driven mainly by Eating Out.

Both Lucerne and Ubud, Bali sit above the global median – Lucerne by 175%, Ubud, Bali by 2%.

Meal at Budget Restaurant

$31.19 CHF 25.32

$3.37 Rp 59.8K

825.52%

Three-Course Dinner for Two, Mid-Range

$123 CHF 100

$38.59 Rp 683.8K

219.95%

Fast Food Meal (McDonalds, etc)

$16.64 CHF 13.51

$5.52 Rp 97.8K

201.45%

Cappuccino

$6.60 CHF 5.36

$2.64 Rp 46.9K

150.00%

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

$5.58 CHF 4.53

$1.67 Rp 29.6K

234.13%

Water (0.33 liter bottle)

$5.08 CHF 4.12

$0.77 Rp 13.6K

559.74%

Local Beer (0.5 liter draught)

$8.44 CHF 6.85

$2.63 Rp 46.7K

220.91%

Imported Beer (0.33 liter bottle)

$9.86 CHF 8.01

$4.28 Rp 75.9K

130.37%

Milk (1 liter)

$2.23 CHF 1.81

$1.55 Rp 27.4K

43.87%

White Bread (500g)

$3.55 CHF 2.88

$2.22 Rp 39.4K

59.91%

Rice (white) (1kg)

$4.35 CHF 3.53

$1.13 Rp 19.9K

284.96%

Eggs

$7.92 CHF 6.43

$2.09 Rp 37.0K

278.95%

Local Cheese (1kg)

$27.06 CHF 21.97

$17.39 Rp 308.2K

55.61%

Chicken Fillets (1kg)

$26.86 CHF 21.81

$3.87 Rp 68.5K

594.06%

Beef Round Steak (1kg)

$40.83 CHF 33.15

$12.55 Rp 222.4K

225.34%

Apples (1kg)

$3.50 CHF 2.84

$3.62 Rp 64.1K

-3.31%

Banana (1kg)

$2.11 CHF 1.71

$1.56 Rp 27.6K

35.26%

Oranges (1kg)

$2.73 CHF 2.22

$2.35 Rp 41.7K

16.17%

Tomato (1kg)

$4.65 CHF 3.77

$2.06 Rp 36.4K

125.73%

Potato (1kg)

$2.09 CHF 1.69

$1.90 Rp 33.7K

10.00%

Onion (1kg)

$2.34 CHF 1.90

$2.34 Rp 41.4K

Lettuce (1 head)

$2.50 CHF 2.03

$1.03 Rp 18.3K

142.72%

Water (1.5 liter bottle)

$1.43 CHF 1.16

$0.55 Rp 9,830

160.00%

Cigarettes 20 Pack (Marlboro, Camel)

$11.07 CHF 8.99

$2.25 Rp 39.9K

392.00%

Wine (Bottle)

$13.78 CHF 11.19

$23.81 Rp 421.9K

-42.13%

Local Beer (0.5 liter bottle)

$2.30 CHF 1.87

$2.31 Rp 41.0K

-0.43%

Imported Beer (0.33 liter bottle)

$2.82 CHF 2.29

$2.80 Rp 49.6K

0.71%

One-way Ticket (Public Transport)

$5.11 CHF 4.15

$0.27 Rp 4,827

1792.59%

Public Transport Monthly Pass (Regular Price)

$97.3 CHF 79.0

$8.66 Rp 153.5K

1023.09%

Taxi Start (Normal Tariff)

$7.92 CHF 6.43

$0.48 Rp 8,533

1550.00%

Taxi (Normal Tariff) (1km)

$4.88 CHF 3.96

$0.45 Rp 7,904

984.44%

Taxi 1hour Waiting (Normal Tariff)

$87.9 CHF 71.3

$5.72 Rp 101.4K

1436.19%

Gasoline (1 liter)

$2.25 CHF 1.83

$0.76 Rp 13.4K

196.05%

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

$43.3K CHF 35.2K

$24.5K Rp 433.9M

77.02%

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

$40.9K CHF 33.2K

$32.1K Rp 569.3M

27.37%

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

$235 CHF 191

$83.6 Rp 1.5M

181.40%

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

$33.52 CHF 27.21

$6.46 Rp 114.4K

418.89%

Internet (50+ Mbps, Unlimited Data)

$66.6 CHF 54.1

$18.99 Rp 336.6K

250.71%

Gym Membership (Monthly)

$114 CHF 92.5

$56.0 Rp 992.0K

103.43%

Tennis Court (1 Hour on Weekend)

$47.05 CHF 38.20

$18.62 Rp 329.9K

152.69%

Cinema Ticket

$22.24 CHF 18.05

$4.28 Rp 75.9K

419.63%

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

$2,951 CHF 2,396

$487 Rp 8.6M

506.57%

International Primary School, 1 Child (Yearly)

$45.0K CHF 36.6K

$5,856 Rp 103.8M

669.07%

Jeans (Levis 501 Or Similar)

$140 CHF 114

$45.56 Rp 807.4K

207.64%

Summer Dress (H&M, Zara, etc)

$88.3 CHF 71.7

$36.38 Rp 644.7K

142.74%

Sport Shoes (Adidas, Nike)

$150 CHF 121

$82.0 Rp 1.5M

82.44%

Men's Leather Business Shoes

$179 CHF 146

$80.4 Rp 1.4M

123.07%

1-bedroom Apartment, City Center (Monthly)

$2,204 CHF 1,789

$1,117 Rp 19.8M

97.37%

1-bedroom Apartment, Outside City Center (Monthly)

$1,770 CHF 1,437

$701 Rp 12.4M

152.51%

3-bedroom Apartment, City Center (Monthly)

$3,443 CHF 2,796

$3,537 Rp 62.7M

-2.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,889 CHF 2,345

$1,762 Rp 31.2M

63.92%

Buy Apartment in City Center (m2)

$21.5K CHF 17.4K

$2,826 Rp 50.1M

659.30%

Buy Apartment Outside City Center (m2)

$12.5K CHF 10.2K

$2,292 Rp 40.6M

446.88%

Average Monthly Net Salary (After Tax)

$7,007 CHF 5,689

$170 Rp 3.0M

4027.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

1.72

13.78

-87.52%

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

Last update for Lucerne: August 31, 2026

Last update for Ubud, Bali: August 31, 2026

Cost Breakdown

A central one-bedroom costs $2,204 in Lucerne versus $1,117 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 4027% 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 $123 in Lucerne versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $592 vs $293 – 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 171%, 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 $5,670 per month in Lucerne and $2,095 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 1023% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,951 per month in Lucerne and $487 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 $1,396, than in Lucerne at $3,780. 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.