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 $3,139 per month in Lugano vs $1,438 in Ubud, Bali, rent included.

A couple spends around $5,358 per month in Lugano vs $2,585 in Ubud, Bali, rent included.

A family of three spends $7,576 per month in Lugano vs $3,732 in Ubud, Bali, rent included.

Lugano costs about 118% more than Ubud, Bali, driven mainly by Groceries & Markets.

Both Lugano and Ubud, Bali sit above the global median – Lugano by 134%, Ubud, Bali by 7%.

Meal at Budget Restaurant

$30.78 CHF 24.31

$3.57 Rp 61.6K

762.18%

Three-Course Dinner for Two, Mid-Range

$188 CHF 149

$32.58 Rp 562.6K

478.33%

Fast Food Meal (McDonalds, etc)

$18.76 CHF 14.82

$5.07 Rp 87.5K

270.02%

Cappuccino

$4.46 CHF 3.52

$2.83 Rp 48.8K

57.60%

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

$4.86 CHF 3.84

$1.34 Rp 23.1K

262.69%

Water (0.33 liter bottle)

$4.17 CHF 3.30

$0.69 Rp 12.0K

504.35%

Local Beer (0.5 liter draught)

$7.28 CHF 5.75

$2.99 Rp 51.6K

143.48%

Imported Beer (0.33 liter bottle)

$7.36 CHF 5.81

$3.85 Rp 66.4K

91.17%

Milk (1 liter)

$2.26 CHF 1.78

$1.74 Rp 30.1K

29.89%

White Bread (500g)

$3.48 CHF 2.75

$2.54 Rp 43.8K

37.01%

Rice (white) (1kg)

$4.69 CHF 3.71

$1.19 Rp 20.6K

294.12%

Eggs

$6.95 CHF 5.49

$2.43 Rp 41.9K

186.01%

Local Cheese (1kg)

$26.79 CHF 21.16

$14.66 Rp 253.2K

82.74%

Chicken Fillets (1kg)

$37.13 CHF 29.33

$4.18 Rp 72.1K

788.28%

Beef Round Steak (1kg)

$47.09 CHF 37.20

$11.94 Rp 206.1K

294.39%

Apples (1kg)

$3.21 CHF 2.54

$3.69 Rp 63.6K

-13.01%

Banana (1kg)

$1.95 CHF 1.54

$1.61 Rp 27.7K

21.12%

Oranges (1kg)

$2.62 CHF 2.07

$2.69 Rp 46.4K

-2.60%

Tomato (1kg)

$7.62 CHF 6.02

$2.33 Rp 40.2K

227.04%

Potato (1kg)

$2.25 CHF 1.78

$1.91 Rp 32.9K

17.80%

Onion (1kg)

$2.34 CHF 1.85

$2.19 Rp 37.7K

6.85%

Lettuce (1 head)

$2.59 CHF 2.04

$1.06 Rp 18.3K

144.34%

Water (1.5 liter bottle)

$1.30 CHF 1.03

$0.72 Rp 12.5K

80.56%

Cigarettes 20 Pack (Marlboro, Camel)

$11.03 CHF 8.71

$3.13 Rp 54.1K

252.40%

Wine (Bottle)

$13.21 CHF 10.44

$23.49 Rp 405.6K

-43.76%

Local Beer (0.5 liter bottle)

$2.63 CHF 2.08

$2.74 Rp 47.3K

-4.01%

Imported Beer (0.33 liter bottle)

$4.15 CHF 3.28

$2.88 Rp 49.7K

44.10%

One-way Ticket (Public Transport)

$3.25 CHF 2.57

$0.29 Rp 5,010

1020.69%

Public Transport Monthly Pass (Regular Price)

$89.1 CHF 70.4

$8.17 Rp 141.0K

990.33%

Taxi Start (Normal Tariff)

$6.67 CHF 5.27

$0.45 Rp 7,834

1382.22%

Taxi (Normal Tariff) (1km)

$4.57 CHF 3.61

$0.42 Rp 7,278

988.10%

Taxi 1hour Waiting (Normal Tariff)

$60.8 CHF 48.03

$6.16 Rp 106.3K

887.01%

Gasoline (1 liter)

$2.13 CHF 1.68

$0.84 Rp 14.5K

153.57%

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

$40.9K CHF 32.3K

$26.2K Rp 453.1M

55.96%

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

$37.0K CHF 29.2K

$32.5K Rp 560.8M

13.81%

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

$201 CHF 159

$78.4 Rp 1.4M

156.36%

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

$73.5 CHF 58.1

$3.95 Rp 68.2K

1761.77%

Internet (50+ Mbps, Unlimited Data)

$55.1 CHF 43.56

$24.40 Rp 421.4K

125.98%

Gym Membership (Monthly)

$107 CHF 84.6

$96.5 Rp 1.7M

10.88%

Tennis Court (1 Hour on Weekend)

$61.4 CHF 48.52

$6.35 Rp 109.6K

867.09%

Cinema Ticket

$18.44 CHF 14.57

$4.04 Rp 69.7K

356.44%

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

$1,242 CHF 981

$303 Rp 5.2M

310.41%

International Primary School, 1 Child (Yearly)

$34.7K CHF 27.5K

$6,523 Rp 112.6M

432.74%

Jeans (Levis 501 Or Similar)

$122 CHF 96.6

$53.8 Rp 929.5K

127.21%

Summer Dress (H&M, Zara, etc)

$48.62 CHF 38.41

$37.98 Rp 655.8K

28.01%

Sport Shoes (Adidas, Nike)

$131 CHF 104

$86.8 Rp 1.5M

51.00%

Men's Leather Business Shoes

$153 CHF 121

$78.9 Rp 1.4M

93.48%

1-bedroom Apartment, City Center (Monthly)

$1,693 CHF 1,337

$1,012 Rp 17.5M

67.24%

1-bedroom Apartment, Outside City Center (Monthly)

$1,251 CHF 989

$674 Rp 11.6M

85.55%

3-bedroom Apartment, City Center (Monthly)

$2,828 CHF 2,234

$3,390 Rp 58.5M

-16.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,666 CHF 2,106

$2,098 Rp 36.2M

27.05%

Buy Apartment in City Center (m2)

$18.0K CHF 14.2K

$2,985 Rp 51.5M

503.75%

Buy Apartment Outside City Center (m2)

$13.1K CHF 10.3K

$2,339 Rp 40.4M

459.61%

Average Monthly Net Salary (After Tax)

$6,815 CHF 5,384

$173 Rp 3.0M

3836.48%

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: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A central one-bedroom costs $1,693 in Lugano versus $1,012 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 3836% 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 $188 in Lugano versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $673 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 118% 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 $4,709 per month in Lugano and $2,158 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 $3,139 in Lugano and $1,438 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 990% 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 $1,438, than in Lugano at $3,139. 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 $1,438 versus $3,139 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.