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

Monthly Cost of Living

A single person spends $3,130 per month in Lugano vs $1,404 in Ubud, Bali, rent included.

A couple spends around $5,364 per month in Lugano vs $2,549 in Ubud, Bali, rent included.

A family of three spends $7,598 per month in Lugano vs $3,694 in Ubud, Bali, rent included.

Lugano costs about 123% more than Ubud, Bali, driven mainly by Groceries & Markets.

Both Lugano and Ubud, Bali sit above the global median – Lugano by 133%, Ubud, Bali by 4%.

Meal at Budget Restaurant

$31.04 CHF 24.64

$3.57 Rp 64.0K

769.47%

Three-Course Dinner for Two, Mid-Range

$184 CHF 146

$32.50 Rp 582.3K

465.69%

Fast Food Meal (McDonalds, etc)

$18.82 CHF 14.94

$4.86 Rp 87.1K

287.24%

Cappuccino

$4.30 CHF 3.42

$2.75 Rp 49.2K

56.36%

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

$4.91 CHF 3.90

$1.32 Rp 23.7K

271.97%

Water (0.33 liter bottle)

$4.05 CHF 3.21

$0.70 Rp 12.6K

478.57%

Local Beer (0.5 liter draught)

$7.48 CHF 5.94

$2.91 Rp 52.2K

157.04%

Imported Beer (0.33 liter bottle)

$7.52 CHF 5.97

$3.79 Rp 68.0K

98.42%

Milk (1 liter)

$2.24 CHF 1.78

$1.71 Rp 30.6K

30.99%

White Bread (500g)

$3.48 CHF 2.76

$2.47 Rp 44.3K

40.89%

Rice (white) (1kg)

$4.85 CHF 3.85

$1.20 Rp 21.5K

304.17%

Eggs

$6.92 CHF 5.50

$2.44 Rp 43.8K

183.61%

Local Cheese (1kg)

$26.66 CHF 21.16

$14.38 Rp 257.7K

85.40%

Chicken Fillets (1kg)

$36.56 CHF 29.03

$4.31 Rp 77.1K

748.26%

Beef Round Steak (1kg)

$47.24 CHF 37.50

$12.21 Rp 218.7K

286.90%

Apples (1kg)

$3.11 CHF 2.47

$3.68 Rp 66.0K

-15.49%

Banana (1kg)

$2.01 CHF 1.59

$1.55 Rp 27.8K

29.68%

Oranges (1kg)

$2.57 CHF 2.04

$2.79 Rp 49.9K

-7.89%

Tomato (1kg)

$7.31 CHF 5.80

$2.33 Rp 41.8K

213.73%

Potato (1kg)

$2.18 CHF 1.73

$1.97 Rp 35.3K

10.66%

Onion (1kg)

$2.23 CHF 1.77

$2.31 Rp 41.4K

-3.46%

Lettuce (1 head)

$2.59 CHF 2.05

$1.06 Rp 19.1K

144.34%

Water (1.5 liter bottle)

$1.29 CHF 1.03

$0.73 Rp 13.1K

76.71%

Cigarettes 20 Pack (Marlboro, Camel)

$11.07 CHF 8.79

$3.28 Rp 58.8K

237.50%

Wine (Bottle)

$13.04 CHF 10.35

$22.79 Rp 408.4K

-42.78%

Local Beer (0.5 liter bottle)

$2.66 CHF 2.11

$2.81 Rp 50.3K

-5.34%

Imported Beer (0.33 liter bottle)

$4.23 CHF 3.36

$2.78 Rp 49.9K

52.16%

One-way Ticket (Public Transport)

$3.17 CHF 2.51

$0.29 Rp 5,217

993.10%

Public Transport Monthly Pass (Regular Price)

$90.2 CHF 71.6

$8.06 Rp 144.4K

1019.23%

Taxi Start (Normal Tariff)

$6.59 CHF 5.23

$0.45 Rp 8,047

1364.44%

Taxi (Normal Tariff) (1km)

$4.56 CHF 3.62

$0.45 Rp 8,094

913.33%

Taxi 1hour Waiting (Normal Tariff)

$60.8 CHF 48.24

$6.24 Rp 111.7K

873.72%

Gasoline (1 liter)

$2.12 CHF 1.68

$0.85 Rp 15.2K

149.41%

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

$40.6K CHF 32.2K

$26.0K Rp 465.4M

56.10%

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

$38.1K CHF 30.3K

$31.7K Rp 567.2M

20.50%

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

$207 CHF 165

$80.8 Rp 1.4M

156.68%

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

$73.5 CHF 58.4

$4.06 Rp 72.7K

1711.33%

Internet (50+ Mbps, Unlimited Data)

$53.3 CHF 42.35

$24.42 Rp 437.6K

118.43%

Gym Membership (Monthly)

$108 CHF 86.1

$97.7 Rp 1.7M

11.01%

Tennis Court (1 Hour on Weekend)

$62.3 CHF 49.46

$6.45 Rp 115.5K

865.89%

Cinema Ticket

$18.54 CHF 14.72

$4.04 Rp 72.4K

358.91%

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

$1,208 CHF 959

$304 Rp 5.4M

297.26%

International Primary School, 1 Child (Yearly)

$34.5K CHF 27.4K

$6,621 Rp 118.6M

421.08%

Jeans (Levis 501 Or Similar)

$124 CHF 98.5

$54.2 Rp 971.7K

128.69%

Summer Dress (H&M, Zara, etc)

$48.46 CHF 38.47

$38.78 Rp 694.7K

24.96%

Sport Shoes (Adidas, Nike)

$134 CHF 106

$86.1 Rp 1.5M

55.70%

Men's Leather Business Shoes

$152 CHF 121

$76.7 Rp 1.4M

98.88%

1-bedroom Apartment, City Center (Monthly)

$1,652 CHF 1,311

$986 Rp 17.7M

67.57%

1-bedroom Apartment, Outside City Center (Monthly)

$1,228 CHF 975

$658 Rp 11.8M

86.61%

3-bedroom Apartment, City Center (Monthly)

$2,788 CHF 2,213

$3,369 Rp 60.4M

-17.26%

3-bedroom Apartment, Outside City Center (Monthly)

$2,625 CHF 2,084

$2,066 Rp 37.0M

27.06%

Buy Apartment in City Center (m2)

$18.5K CHF 14.7K

$2,741 Rp 49.1M

575.10%

Buy Apartment Outside City Center (m2)

$11.4K CHF 9,013

$2,228 Rp 39.9M

409.64%

Average Monthly Net Salary (After Tax)

$7,092 CHF 5,630

$163 Rp 2.9M

4239.68%

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 Lugano: June 6, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A central one-bedroom costs $1,652 in Lugano versus $986 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 4240% higher in Lugano, 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 $184 in Lugano versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $668 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

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

Lugano costs about 123% more than Ubud, Bali, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,696 per month in Lugano and $2,106 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.

Monthly expenses with rent come to $3,130 in Lugano and $1,404 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 1019% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,404, than in Lugano at $3,130. In Ubud, Bali it covers expenses comfortably, while in Lugano it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,404 versus $3,130 in Lugano. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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, Lugano makes more sense. Both are solid long-term options with distinct trade-offs.