Last update: Oct 2026

Cost of Living Comparison Between Lugano and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,345 in Lugano, rent and utilities included – about $24,000 less a year. Rent and utilities account for about half of the difference.

162

Cost of Living Index in Lugano
Learn more

Lugano Living Index
65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Lugano

🇨🇭 Switzerland

$3,345

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $3,345 per month in Lugano vs $1,349 in Ubud, Bali, rent included.

Lugano $3,345
Ubud, Bali $1,349

A couple spends around $5,484 per month in Lugano vs $2,305 in Ubud, Bali, rent included.

Lugano $5,484
Ubud, Bali $2,305

A family of three spends $7,624 per month in Lugano vs $3,261 in Ubud, Bali, rent included.

Lugano $7,624
Ubud, Bali $3,261

Lugano costs about 148% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$35.07 CHF 28.92

$3.32 Rp 60.3K

956.33%

Three-Course Dinner for Two, Mid-Range

$179 CHF 148

$35.64 Rp 646.5K

403.37%

Fast Food Meal (McDonalds, etc)

$19.20 CHF 15.83

$5.53 Rp 100.4K

247.20%

Cappuccino

$4.74 CHF 3.91

$2.72 Rp 49.3K

74.26%

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

$5.30 CHF 4.37

$1.70 Rp 30.9K

211.76%

Water (0.33 liter bottle)

$4.26 CHF 3.52

$0.76 Rp 13.8K

460.53%

Local Beer (0.5 liter draught)

$9.65 CHF 7.96

$2.65 Rp 48.1K

264.15%

Imported Beer (0.33 liter bottle)

$7.34 CHF 6.05

$4.38 Rp 79.5K

67.58%

Milk (1 liter)

$2.27 CHF 1.87

$1.49 Rp 27.0K

52.35%

White Bread (500g)

$3.76 CHF 3.10

$2.28 Rp 41.3K

64.91%

Rice (white) (1kg)

$4.16 CHF 3.43

$1.19 Rp 21.6K

249.58%

Eggs

$7.31 CHF 6.03

$2.04 Rp 36.9K

258.33%

Local Cheese (1kg)

$25.97 CHF 21.42

$17.70 Rp 321.1K

46.72%

Chicken Fillets (1kg)

$28.73 CHF 23.70

$3.96 Rp 71.9K

625.51%

Beef Round Steak (1kg)

$40.41 CHF 33.33

$12.19 Rp 221.1K

231.50%

Apples (1kg)

$3.35 CHF 2.77

$3.66 Rp 66.3K

-8.47%

Banana (1kg)

$1.70 CHF 1.41

$1.52 Rp 27.5K

11.84%

Oranges (1kg)

$2.50 CHF 2.06

$2.23 Rp 40.4K

12.11%

Tomato (1kg)

$6.52 CHF 5.38

$1.97 Rp 35.8K

230.96%

Potato (1kg)

$1.86 CHF 1.53

$1.85 Rp 33.5K

0.54%

Onion (1kg)

$2.12 CHF 1.75

$2.42 Rp 44.0K

-12.40%

Lettuce (1 head)

$2.49 CHF 2.05

$0.99 Rp 18.0K

151.52%

Water (1.5 liter bottle)

$1.19 CHF 0.98

$0.51 Rp 9,313

133.33%

Cigarettes 20 Pack (Marlboro, Camel)

$11.01 CHF 9.08

$2.22 Rp 40.3K

395.95%

Wine (Bottle)

$14.54 CHF 11.99

$22.24 Rp 403.4K

-34.62%

Local Beer (0.5 liter bottle)

$3.23 CHF 2.66

$2.26 Rp 41.0K

42.92%

Imported Beer (0.33 liter bottle)

$4.14 CHF 3.42

$2.97 Rp 53.9K

39.39%

One-way Ticket (Public Transport)

$3.05 CHF 2.52

$0.25 Rp 4,553

1120.00%

Public Transport Monthly Pass (Regular Price)

$62.8 CHF 51.8

$7.82 Rp 141.9K

703.07%

Taxi Start (Normal Tariff)

$7.41 CHF 6.11

$0.44 Rp 7,972

1584.09%

Taxi (Normal Tariff) (1km)

$5.40 CHF 4.46

$0.43 Rp 7,801

1155.81%

Taxi 1hour Waiting (Normal Tariff)

$77.5 CHF 63.9

$5.41 Rp 98.1K

1331.79%

Gasoline (1 liter)

$2.25 CHF 1.85

$0.82 Rp 15.0K

174.39%

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

$39.3K CHF 32.5K

$23.8K Rp 432.4M

65.03%

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

$39.1K CHF 32.3K

$31.7K Rp 575.9M

23.23%

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

$303 CHF 250

$79.1 Rp 1.4M

282.75%

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

$24.90 CHF 20.53

$6.45 Rp 116.9K

286.05%

Internet (50+ Mbps, Unlimited Data)

$49.00 CHF 40.41

$18.58 Rp 337.0K

163.72%

Gym Membership (Monthly)

$73.7 CHF 60.8

$49.48 Rp 897.5K

48.91%

Tennis Court (1 Hour on Weekend)

$36.07 CHF 29.75

$17.65 Rp 320.1K

104.36%

Cinema Ticket

$20.63 CHF 17.02

$4.27 Rp 77.5K

383.14%

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

$3,192 CHF 2,633

$491 Rp 8.9M

550.78%

International Primary School, 1 Child (Yearly)

$37.9K CHF 31.2K

$5,674 Rp 102.9M

567.26%

Jeans (Levis 501 Or Similar)

$109 CHF 90.3

$44.64 Rp 809.7K

145.12%

Summer Dress (H&M, Zara, etc)

$48.85 CHF 40.29

$34.95 Rp 634.0K

39.77%

Sport Shoes (Adidas, Nike)

$163 CHF 135

$79.9 Rp 1.4M

104.58%

Men's Leather Business Shoes

$171 CHF 141

$79.4 Rp 1.4M

115.25%

1-bedroom Apartment, City Center (Monthly)

$1,898 CHF 1,565

$1,125 Rp 20.4M

68.73%

1-bedroom Apartment, Outside City Center (Monthly)

$1,420 CHF 1,171

$671 Rp 12.2M

111.45%

3-bedroom Apartment, City Center (Monthly)

$3,851 CHF 3,177

$3,565 Rp 64.7M

8.05%

3-bedroom Apartment, Outside City Center (Monthly)

$2,906 CHF 2,397

$1,723 Rp 31.3M

68.61%

Buy Apartment in City Center (m2)

$15.2K CHF 12.5K

$2,732 Rp 49.5M

455.77%

Buy Apartment Outside City Center (m2)

$9,375 CHF 7,732

$2,284 Rp 41.4M

310.46%

Average Monthly Net Salary (After Tax)

$6,543 CHF 5,397

$164 Rp 3.0M

3893.49%

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: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Lugano

$1.4K 42.4%

Ubud, Bali

$672 49.8% 52.7% $748

Groceries & Markets

Lugano

$606 18.1%

Ubud, Bali

$288 21.4% 52.4% $318

Eating Out

Lugano

$496 14.8%

Ubud, Bali

$108 8% 78.3% $389

Monthly Utilities & Internet

Lugano

$377 11.3%

Ubud, Bali

$104 7.7% 72.4% $272

Clothing & Footwear

Lugano

$222 6.6%

Ubud, Bali

$108 8% 51.5% $114

Sport & Entertainment

Lugano

$115 3.4%

Ubud, Bali

$58 4.3% 49.5% $57

Getting Around

Lugano

$109 3.3%

Ubud, Bali

$11 0.9% 89.6% $98

Cost Breakdown

A central one-bedroom costs $1,898 in Lugano versus $1,125 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 in Lugano are about 40 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $179 in Lugano versus $36 in Ubud, Bali. Monthly groceries follow the same trend: $606 vs $288 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇨🇭 Lugano

🇮🇩 Ubud, Bali

🕒 Local time

05:48 5:48 AM

12:48 12:48 PM

7 h ahead of Lugano

🌤 Weather

👥 Population

63,583

74,800

💱 Currency

Swiss Franc CHF Fr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CHF = 1.21 USD

1 CHF = 1.09 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 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 November 2, 2026: 1 USD = 0.825 CHF (1 CHF = 1.21 USD). 1 EUR = 0.921 CHF (1 CHF = 1.09 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to CHF in detail →

On the map

Lowest

Highest

Between locations

Lugano Ubud, Bali 11,940 km ≈ 15 h nonstop flight

From you

Lugano
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

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

Lugano costs about 148% more than Ubud, Bali, and outside of rent the gap comes mainly from 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 $5,017 per month in Lugano and $2,023 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: a one-bedroom in the center costs $1,125 there versus $1,898 in Lugano.

Monthly expenses with rent come to $3,345 in Lugano and $1,349 in Ubud, Bali. That makes Ubud, Bali about 60% cheaper.

Public transport costs about 88% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $3,345 in Lugano and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Ubud, Bali costs $1,349 versus $3,345 in Lugano. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Ubud, Bali. If higher salaries or specific career opportunities are the priority, Lugano makes more sense. Both are solid long-term options with distinct trade-offs.