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 $3,282 per month in Lugano vs $1,368 in Ubud, Bali, rent included.

A couple spends around $5,357 per month in Lugano vs $2,348 in Ubud, Bali, rent included.

A family of three spends $7,432 per month in Lugano vs $3,327 in Ubud, Bali, rent included.

Lugano costs about 140% more than Ubud, Bali, driven mainly by Eating Out.

Both Lugano and Ubud, Bali sit above the global median – Lugano by 140%, Ubud, Bali by 0%.

Meal at Budget Restaurant

$34.22 CHF 28.25

$3.44 Rp 60.9K

894.77%

Three-Course Dinner for Two, Mid-Range

$179 CHF 148

$36.31 Rp 643.0K

393.64%

Fast Food Meal (McDonalds, etc)

$20.55 CHF 16.96

$5.71 Rp 101.0K

259.89%

Cappuccino

$4.60 CHF 3.80

$2.67 Rp 47.3K

72.28%

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

$5.11 CHF 4.21

$1.75 Rp 31.0K

192.00%

Water (0.33 liter bottle)

$3.92 CHF 3.24

$0.87 Rp 15.4K

350.57%

Local Beer (0.5 liter draught)

$9.94 CHF 8.20

$2.95 Rp 52.3K

236.95%

Imported Beer (0.33 liter bottle)

$7.54 CHF 6.22

$4.52 Rp 80.0K

66.81%

Milk (1 liter)

$2.24 CHF 1.85

$1.62 Rp 28.7K

38.27%

White Bread (500g)

$3.60 CHF 2.97

$2.33 Rp 41.3K

54.51%

Rice (white) (1kg)

$4.24 CHF 3.50

$1.11 Rp 19.6K

281.98%

Eggs

$7.11 CHF 5.87

$2.20 Rp 39.0K

223.18%

Local Cheese (1kg)

$26.15 CHF 21.58

$17.69 Rp 313.3K

47.82%

Chicken Fillets (1kg)

$29.55 CHF 24.39

$4.10 Rp 72.5K

620.73%

Beef Round Steak (1kg)

$40.25 CHF 33.22

$12.18 Rp 215.6K

230.46%

Apples (1kg)

$3.30 CHF 2.73

$3.71 Rp 65.6K

-11.05%

Banana (1kg)

$1.71 CHF 1.42

$1.59 Rp 28.1K

7.55%

Oranges (1kg)

$2.60 CHF 2.15

$2.28 Rp 40.4K

14.04%

Tomato (1kg)

$5.94 CHF 4.90

$1.95 Rp 34.6K

204.62%

Potato (1kg)

$1.82 CHF 1.50

$1.91 Rp 33.7K

-4.71%

Onion (1kg)

$2.12 CHF 1.75

$2.33 Rp 41.3K

-9.01%

Lettuce (1 head)

$2.41 CHF 1.99

$1.01 Rp 17.8K

138.61%

Water (1.5 liter bottle)

$1.12 CHF 0.92

$0.55 Rp 9,773

103.64%

Cigarettes 20 Pack (Marlboro, Camel)

$10.92 CHF 9.01

$2.23 Rp 39.5K

389.69%

Wine (Bottle)

$12.42 CHF 10.25

$23.07 Rp 408.6K

-46.16%

Local Beer (0.5 liter bottle)

$2.83 CHF 2.34

$2.42 Rp 42.8K

16.94%

Imported Beer (0.33 liter bottle)

$4.05 CHF 3.34

$3.00 Rp 53.1K

35.00%

One-way Ticket (Public Transport)

$3.16 CHF 2.60

$0.27 Rp 4,814

1070.37%

Public Transport Monthly Pass (Regular Price)

$79.1 CHF 65.3

$8.98 Rp 159.1K

781.18%

Taxi Start (Normal Tariff)

$7.43 CHF 6.14

$0.48 Rp 8,566

1447.92%

Taxi (Normal Tariff) (1km)

$5.69 CHF 4.70

$0.43 Rp 7,679

1223.26%

Taxi 1hour Waiting (Normal Tariff)

$78.3 CHF 64.6

$5.64 Rp 99.9K

1288.48%

Gasoline (1 liter)

$2.27 CHF 1.87

$0.80 Rp 14.2K

183.75%

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

$35.0K CHF 28.8K

$24.9K Rp 441.7M

40.11%

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

$39.8K CHF 32.9K

$31.7K Rp 561.5M

25.64%

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

$289 CHF 239

$81.5 Rp 1.4M

255.09%

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

$22.02 CHF 18.17

$6.49 Rp 115.0K

239.29%

Internet (50+ Mbps, Unlimited Data)

$49.42 CHF 40.79

$18.77 Rp 332.4K

163.29%

Gym Membership (Monthly)

$95.2 CHF 78.6

$56.9 Rp 1.0M

67.38%

Tennis Court (1 Hour on Weekend)

$37.36 CHF 30.83

$18.73 Rp 331.7K

99.47%

Cinema Ticket

$20.23 CHF 16.70

$4.54 Rp 80.4K

345.59%

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

$1,230 CHF 1,015

$481 Rp 8.5M

155.85%

International Primary School, 1 Child (Yearly)

$34.5K CHF 28.5K

$5,711 Rp 101.1M

503.83%

Jeans (Levis 501 Or Similar)

$165 CHF 136

$45.52 Rp 806.0K

261.91%

Summer Dress (H&M, Zara, etc)

$56.9 CHF 46.96

$35.88 Rp 635.4K

58.58%

Sport Shoes (Adidas, Nike)

$199 CHF 164

$80.4 Rp 1.4M

147.33%

Men's Leather Business Shoes

$149 CHF 123

$78.7 Rp 1.4M

89.64%

1-bedroom Apartment, City Center (Monthly)

$1,704 CHF 1,407

$1,115 Rp 19.7M

52.91%

1-bedroom Apartment, Outside City Center (Monthly)

$1,319 CHF 1,088

$698 Rp 12.4M

89.01%

3-bedroom Apartment, City Center (Monthly)

$3,493 CHF 2,883

$3,637 Rp 64.4M

-3.96%

3-bedroom Apartment, Outside City Center (Monthly)

$2,614 CHF 2,157

$1,737 Rp 30.8M

50.44%

Buy Apartment in City Center (m2)

$17.7K CHF 14.6K

$2,784 Rp 49.3M

534.08%

Buy Apartment Outside City Center (m2)

$11.3K CHF 9,299

$2,290 Rp 40.5M

392.02%

Average Monthly Net Salary (After Tax)

$6,941 CHF 5,729

$168 Rp 3.0M

4031.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.37

13.78

-82.80%

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

Last update for Lugano: September 13, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A central one-bedroom costs $1,704 in Lugano versus $1,115 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 4031% 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 $179 in Lugano versus $36.00 in Ubud, Bali. Monthly groceries follow the same trend: $598 vs $295 – 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 140% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $4,922 per month in Lugano and $2,052 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 $3,282 in Lugano and $1,368 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 781% 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 $1,368, than in Lugano at $3,282. 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 $1,368 versus $3,282 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.