Last update: Oct 2026

Cost of Living Comparison Between Lucerne and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,691 in Lucerne, rent and utilities included – about $27,900 less a year. Rent and utilities account for about half of the difference.

179

Cost of Living Index in Lucerne
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Lucerne Living Index
67

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

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Lucerne

🇨🇭 Switzerland

$3,691

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

A single person spends $3,691 per month in Lucerne vs $1,368 in Ubud, Bali, rent included.

Lucerne $3,691
Ubud, Bali $1,368

A couple spends around $5,483 per month in Lucerne vs $2,314 in Ubud, Bali, rent included.

Lucerne $5,483
Ubud, Bali $2,314

A family of three spends $7,275 per month in Lucerne vs $3,260 in Ubud, Bali, rent included.

Lucerne $7,275
Ubud, Bali $3,260

Lucerne costs about 170% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Lucerne and Ubud, Bali sit above the global median – Lucerne by 173%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$32.88 CHF 27.08

$3.33 Rp 59.8K

887.39%

Three-Course Dinner for Two, Mid-Range

$120 CHF 99.0

$35.18 Rp 631.2K

241.76%

Fast Food Meal (McDonalds, etc)

$15.95 CHF 13.14

$5.80 Rp 104.1K

175.00%

Cappuccino

$6.21 CHF 5.12

$2.73 Rp 49.0K

127.47%

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

$5.56 CHF 4.58

$1.64 Rp 29.4K

239.02%

Water (0.33 liter bottle)

$5.01 CHF 4.13

$0.83 Rp 14.9K

503.61%

Local Beer (0.5 liter draught)

$8.62 CHF 7.10

$2.70 Rp 48.4K

219.26%

Imported Beer (0.33 liter bottle)

$9.51 CHF 7.83

$4.30 Rp 77.1K

121.16%

Milk (1 liter)

$2.11 CHF 1.74

$1.50 Rp 27.0K

40.67%

White Bread (500g)

$3.27 CHF 2.69

$2.30 Rp 41.2K

42.17%

Rice (white) (1kg)

$4.27 CHF 3.52

$1.18 Rp 21.1K

261.86%

Eggs

$7.45 CHF 6.14

$2.14 Rp 38.5K

248.13%

Local Cheese (1kg)

$26.87 CHF 22.13

$17.48 Rp 313.6K

53.72%

Chicken Fillets (1kg)

$25.43 CHF 20.95

$4.03 Rp 72.3K

531.02%

Beef Round Steak (1kg)

$39.77 CHF 32.76

$12.23 Rp 219.4K

225.18%

Apples (1kg)

$3.51 CHF 2.89

$3.55 Rp 63.7K

-1.13%

Banana (1kg)

$2.01 CHF 1.65

$1.57 Rp 28.2K

28.03%

Oranges (1kg)

$2.69 CHF 2.21

$2.24 Rp 40.1K

20.09%

Tomato (1kg)

$4.66 CHF 3.84

$1.93 Rp 34.6K

141.45%

Potato (1kg)

$1.96 CHF 1.61

$1.88 Rp 33.8K

4.26%

Onion (1kg)

$2.19 CHF 1.81

$2.29 Rp 41.1K

-4.37%

Lettuce (1 head)

$2.39 CHF 1.97

$0.99 Rp 17.8K

141.41%

Water (1.5 liter bottle)

$1.35 CHF 1.11

$0.53 Rp 9,445

154.72%

Cigarettes 20 Pack (Marlboro, Camel)

$10.96 CHF 9.03

$2.28 Rp 41.0K

380.70%

Wine (Bottle)

$13.33 CHF 10.98

$23.01 Rp 412.9K

-42.07%

Local Beer (0.5 liter bottle)

$2.27 CHF 1.87

$2.34 Rp 42.0K

-2.99%

Imported Beer (0.33 liter bottle)

$3.42 CHF 2.82

$2.91 Rp 52.2K

17.53%

One-way Ticket (Public Transport)

$4.79 CHF 3.94

$0.24 Rp 4,301

1895.83%

Public Transport Monthly Pass (Regular Price)

$98.7 CHF 81.3

$8.82 Rp 158.2K

1019.27%

Taxi Start (Normal Tariff)

$7.74 CHF 6.37

$0.48 Rp 8,657

1512.50%

Taxi (Normal Tariff) (1km)

$4.71 CHF 3.88

$0.46 Rp 8,207

923.91%

Taxi 1hour Waiting (Normal Tariff)

$84.8 CHF 69.8

$5.45 Rp 97.9K

1455.96%

Gasoline (1 liter)

$2.20 CHF 1.81

$0.88 Rp 15.9K

150.00%

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

$42.7K CHF 35.2K

$24.6K Rp 440.8M

73.89%

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

$39.3K CHF 32.3K

$31.2K Rp 559.6M

25.90%

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

$228 CHF 188

$83.0 Rp 1.5M

175.21%

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

$32.03 CHF 26.38

$6.45 Rp 115.7K

396.59%

Internet (50+ Mbps, Unlimited Data)

$64.0 CHF 52.7

$18.57 Rp 333.1K

244.70%

Gym Membership (Monthly)

$108 CHF 88.9

$55.8 Rp 1.0M

93.32%

Tennis Court (1 Hour on Weekend)

$45.18 CHF 37.21

$18.11 Rp 324.9K

149.48%

Cinema Ticket

$21.17 CHF 17.44

$4.38 Rp 78.6K

383.33%

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

$2,781 CHF 2,291

$493 Rp 8.8M

464.15%

International Primary School, 1 Child (Yearly)

$43.1K CHF 35.5K

$5,754 Rp 103.2M

649.36%

Jeans (Levis 501 Or Similar)

$135 CHF 111

$46.19 Rp 828.8K

192.99%

Summer Dress (H&M, Zara, etc)

$85.5 CHF 70.4

$35.33 Rp 634.0K

141.86%

Sport Shoes (Adidas, Nike)

$146 CHF 120

$79.1 Rp 1.4M

84.02%

Men's Leather Business Shoes

$169 CHF 139

$78.4 Rp 1.4M

115.55%

1-bedroom Apartment, City Center (Monthly)

$2,081 CHF 1,714

$1,142 Rp 20.5M

82.12%

1-bedroom Apartment, Outside City Center (Monthly)

$1,764 CHF 1,453

$676 Rp 12.1M

161.11%

3-bedroom Apartment, City Center (Monthly)

$3,298 CHF 2,716

$3,503 Rp 62.9M

-5.85%

3-bedroom Apartment, Outside City Center (Monthly)

$2,778 CHF 2,288

$1,700 Rp 30.5M

63.43%

Buy Apartment in City Center (m2)

$21.1K CHF 17.3K

$2,784 Rp 50.0M

656.26%

Buy Apartment Outside City Center (m2)

$12.1K CHF 10.0K

$2,241 Rp 40.2M

442.15%

Average Monthly Net Salary (After Tax)

$6,385 CHF 5,259

$165 Rp 3.0M

3780.21%

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: October 13, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Lucerne

$1.8K 47.8%

Ubud, Bali

$676 49.4% 61.7% $1.1K

Groceries & Markets

Lucerne

$572 15.5%

Ubud, Bali

$290 21.2% 49.3% $282

Eating Out

Lucerne

$490 13.3%

Ubud, Bali

$109 8% 77.8% $381

Monthly Utilities & Internet

Lucerne

$324 8.8%

Ubud, Bali

$108 7.9% 66.7% $216

Clothing & Footwear

Lucerne

$241 6.5%

Ubud, Bali

$108 7.9% 55.4% $133

Sport & Entertainment

Lucerne

$150 4.1%

Ubud, Bali

$65 4.7% 57% $86

Getting Around

Lucerne

$149 4%

Ubud, Bali

$13 0.9% 91.6% $137

Cost Breakdown

A central one-bedroom costs $2,081 in Lucerne versus $1,142 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 3780% 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 $120 in Lucerne versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $572 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇨🇭 Lucerne

🇮🇩 Ubud, Bali

🕒 Local time

11:35 11:35 AM

17:35 5:35 PM

6 h ahead of Lucerne

🌤 Weather

👥 Population

81,284

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 = 5.57 USD

100,000 IDR = 4.96 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 17, 2026: 1 USD = 0.824 CHF (1 CHF = 1.21 USD). 1 EUR = 0.926 CHF (1 CHF = 1.08 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,174 IDR (100,000 IDR = 4.96 EUR).

USD to CHF in detail →

On the map

Lowest

Highest

Between locations

Lucerne Ubud, Bali 11,980 km ≈ 15 h nonstop flight

From you

Lucerne
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

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

Yes – Lucerne is pricier by about 170%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $5,537 per month in Lucerne and $2,051 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 1019% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $2,781 per month in Lucerne and $493 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 $1,368, than in Lucerne at $3,691. 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.