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 $3,197 per month in Lugano vs $1,392 in Ubud, Bali, rent included.

A couple spends around $5,297 per month in Lugano vs $2,557 in Ubud, Bali, rent included.

A family of three spends $7,397 per month in Lugano vs $3,723 in Ubud, Bali, rent included.

Lugano costs about 130% more than Ubud, Bali, driven mainly by Groceries & Markets.

Both Lugano and Ubud, Bali sit above the global median – Lugano by 140%, Ubud, Bali by 5%.

Meal at Budget Restaurant

$30.24 CHF 24.42

$3.57 Rp 64.3K

747.06%

Three-Course Dinner for Two, Mid-Range

$185 CHF 149

$32.32 Rp 581.4K

471.23%

Fast Food Meal (McDonalds, etc)

$18.30 CHF 14.77

$5.01 Rp 90.1K

265.27%

Cappuccino

$4.35 CHF 3.51

$2.82 Rp 50.8K

54.26%

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

$4.73 CHF 3.82

$1.35 Rp 24.3K

250.37%

Water (0.33 liter bottle)

$4.08 CHF 3.30

$0.73 Rp 13.1K

458.90%

Local Beer (0.5 liter draught)

$7.24 CHF 5.85

$2.93 Rp 52.8K

147.10%

Imported Beer (0.33 liter bottle)

$7.30 CHF 5.89

$3.94 Rp 70.8K

85.28%

Milk (1 liter)

$2.25 CHF 1.82

$1.78 Rp 32.0K

26.40%

White Bread (500g)

$3.57 CHF 2.88

$2.45 Rp 44.1K

45.71%

Rice (white) (1kg)

$4.89 CHF 3.95

$1.15 Rp 20.7K

325.22%

Eggs

$7.03 CHF 5.68

$2.41 Rp 43.4K

191.70%

Local Cheese (1kg)

$27.52 CHF 22.22

$14.33 Rp 257.8K

92.04%

Chicken Fillets (1kg)

$36.70 CHF 29.63

$4.19 Rp 75.3K

775.89%

Beef Round Steak (1kg)

$47.85 CHF 38.63

$12.06 Rp 216.9K

296.77%

Apples (1kg)

$3.12 CHF 2.52

$3.64 Rp 65.4K

-14.29%

Banana (1kg)

$1.93 CHF 1.56

$1.57 Rp 28.2K

22.93%

Oranges (1kg)

$2.51 CHF 2.03

$2.79 Rp 50.1K

-10.04%

Tomato (1kg)

$7.63 CHF 6.16

$2.24 Rp 40.3K

240.62%

Potato (1kg)

$2.22 CHF 1.79

$1.98 Rp 35.6K

12.12%

Onion (1kg)

$2.23 CHF 1.80

$2.28 Rp 41.0K

-2.19%

Lettuce (1 head)

$2.61 CHF 2.11

$1.05 Rp 19.0K

148.57%

Water (1.5 liter bottle)

$1.29 CHF 1.04

$0.79 Rp 14.2K

63.29%

Cigarettes 20 Pack (Marlboro, Camel)

$10.83 CHF 8.74

$3.19 Rp 57.4K

239.50%

Wine (Bottle)

$12.68 CHF 10.23

$23.49 Rp 422.6K

-46.02%

Local Beer (0.5 liter bottle)

$2.59 CHF 2.09

$2.90 Rp 52.1K

-10.69%

Imported Beer (0.33 liter bottle)

$4.01 CHF 3.24

$2.76 Rp 49.6K

45.29%

One-way Ticket (Public Transport)

$3.23 CHF 2.61

$0.27 Rp 4,796

1096.30%

Public Transport Monthly Pass (Regular Price)

$88.1 CHF 71.1

$8.37 Rp 150.5K

952.21%

Taxi Start (Normal Tariff)

$6.60 CHF 5.33

$0.45 Rp 8,138

1366.67%

Taxi (Normal Tariff) (1km)

$4.33 CHF 3.49

$0.46 Rp 8,269

841.30%

Taxi 1hour Waiting (Normal Tariff)

$61.7 CHF 49.82

$6.07 Rp 109.2K

916.64%

Gasoline (1 liter)

$2.25 CHF 1.81

$0.86 Rp 15.6K

161.63%

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

$41.2K CHF 33.3K

$26.6K Rp 478.3M

55.02%

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

$37.6K CHF 30.3K

$32.5K Rp 585.6M

15.38%

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

$201 CHF 163

$79.0 Rp 1.4M

154.95%

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

$72.8 CHF 58.8

$4.09 Rp 73.6K

1679.46%

Internet (50+ Mbps, Unlimited Data)

$55.1 CHF 44.46

$23.85 Rp 429.0K

130.86%

Gym Membership (Monthly)

$107 CHF 86.6

$98.8 Rp 1.8M

8.53%

Tennis Court (1 Hour on Weekend)

$61.0 CHF 49.29

$6.35 Rp 114.3K

861.26%

Cinema Ticket

$18.76 CHF 15.15

$4.01 Rp 72.1K

367.83%

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

$1,252 CHF 1,011

$297 Rp 5.3M

321.22%

International Primary School, 1 Child (Yearly)

$34.6K CHF 27.9K

$6,602 Rp 118.8M

423.86%

Jeans (Levis 501 Or Similar)

$125 CHF 101

$53.4 Rp 961.1K

134.72%

Summer Dress (H&M, Zara, etc)

$47.29 CHF 38.18

$38.11 Rp 685.7K

24.09%

Sport Shoes (Adidas, Nike)

$133 CHF 107

$88.7 Rp 1.6M

49.54%

Men's Leather Business Shoes

$152 CHF 123

$76.6 Rp 1.4M

98.19%

1-bedroom Apartment, City Center (Monthly)

$1,657 CHF 1,338

$1,020 Rp 18.3M

62.54%

1-bedroom Apartment, Outside City Center (Monthly)

$1,229 CHF 993

$680 Rp 12.2M

80.71%

3-bedroom Apartment, City Center (Monthly)

$2,870 CHF 2,318

$3,469 Rp 62.4M

-17.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,609 CHF 2,107

$2,090 Rp 37.6M

24.86%

Buy Apartment in City Center (m2)

$18.0K CHF 14.6K

$2,729 Rp 49.1M

560.43%

Buy Apartment Outside City Center (m2)

$11.3K CHF 9,123

$2,295 Rp 41.3M

392.24%

Average Monthly Net Salary (After Tax)

$6,830 CHF 5,515

$164 Rp 2.9M

4072.75%

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: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A central one-bedroom costs $1,657 in Lugano versus $1,020 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 4073% 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 $185 in Lugano versus $32.00 in Ubud, Bali. Monthly groceries follow the same trend: $674 vs $298 – 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 130% 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 $4,795 per month in Lugano and $2,088 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 $3,197 in Lugano and $1,392 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 952% 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 $1,392, than in Lugano at $3,197. 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 $1,392 versus $3,197 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.