Last update: Oct 2026

Cost of Living Comparison Between Schaffhausen and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,139 in Schaffhausen, rent and utilities included – about $21,500 less a year. Other living expenses account for most of the difference.

150

Cost of Living Index in Schaffhausen
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Schaffhausen Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Schaffhausen

🇨🇭 Switzerland

$3,139

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,139 in Schaffhausen versus $1,349 in Ubud, Bali.

Schaffhausen $3,139
Ubud, Bali $1,349

Estimated couple costs with rent: $5,010 in Schaffhausen versus $2,305 in Ubud, Bali.

Schaffhausen $5,010
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $6,882 in Schaffhausen versus $3,261 in Ubud, Bali.

Schaffhausen $6,882
Ubud, Bali $3,261

Living in Schaffhausen is roughly 133% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$30.45 CHF 25.11

$3.32 Rp 60.2K

817.17%

Three-Course Dinner for Two, Mid-Range

$122 CHF 101

$35.64 Rp 645.8K

242.45%

Fast Food Meal (McDonalds, etc)

$18.19 CHF 15.01

$5.53 Rp 100.3K

228.93%

Cappuccino

$6.01 CHF 4.96

$2.72 Rp 49.3K

120.96%

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

$5.32 CHF 4.39

$1.70 Rp 30.8K

212.94%

Water (0.33 liter bottle)

$4.78 CHF 3.94

$0.76 Rp 13.8K

528.95%

Local Beer (0.5 liter draught)

$8.39 CHF 6.92

$2.65 Rp 48.1K

216.60%

Imported Beer (0.33 liter bottle)

$7.11 CHF 5.86

$4.38 Rp 79.4K

62.33%

Milk (1 liter)

$2.16 CHF 1.78

$1.49 Rp 27.0K

44.97%

White Bread (500g)

$4.00 CHF 3.30

$2.28 Rp 41.2K

75.44%

Rice (white) (1kg)

$4.25 CHF 3.51

$1.19 Rp 21.6K

257.14%

Eggs

$7.81 CHF 6.44

$2.04 Rp 36.9K

282.84%

Local Cheese (1kg)

$27.90 CHF 23.02

$17.70 Rp 320.8K

57.63%

Chicken Fillets (1kg)

$30.45 CHF 25.12

$3.96 Rp 71.8K

668.94%

Beef Round Steak (1kg)

$42.66 CHF 35.19

$12.19 Rp 220.9K

249.96%

Apples (1kg)

$3.84 CHF 3.17

$3.66 Rp 66.2K

4.92%

Banana (1kg)

$2.07 CHF 1.71

$1.52 Rp 27.5K

36.18%

Oranges (1kg)

$3.17 CHF 2.62

$2.23 Rp 40.4K

42.15%

Tomato (1kg)

$5.49 CHF 4.53

$1.97 Rp 35.7K

178.68%

Potato (1kg)

$2.38 CHF 1.96

$1.85 Rp 33.5K

28.65%

Onion (1kg)

$2.14 CHF 1.76

$2.42 Rp 43.9K

-11.57%

Lettuce (1 head)

$2.31 CHF 1.90

$0.99 Rp 17.9K

133.33%

Water (1.5 liter bottle)

$1.16 CHF 0.95

$0.51 Rp 9,303

127.45%

Cigarettes 20 Pack (Marlboro, Camel)

$10.82 CHF 8.92

$2.22 Rp 40.3K

387.39%

Wine (Bottle)

$12.00 CHF 9.90

$22.24 Rp 403.0K

-46.04%

Local Beer (0.5 liter bottle)

$2.89 CHF 2.38

$2.26 Rp 41.0K

27.88%

Imported Beer (0.33 liter bottle)

$3.59 CHF 2.96

$2.97 Rp 53.8K

20.88%

One-way Ticket (Public Transport)

$4.01 CHF 3.30

$0.25 Rp 4,548

1504.00%

Public Transport Monthly Pass (Regular Price)

$98.0 CHF 80.8

$7.82 Rp 141.8K

1153.07%

Taxi Start (Normal Tariff)

$6.10 CHF 5.04

$0.44 Rp 7,964

1286.36%

Taxi (Normal Tariff) (1km)

$2.86 CHF 2.36

$0.43 Rp 7,793

565.12%

Taxi 1hour Waiting (Normal Tariff)

$59.6 CHF 49.15

$5.41 Rp 98.0K

1001.29%

Gasoline (1 liter)

$2.22 CHF 1.83

$0.82 Rp 14.9K

170.73%

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

$38.4K CHF 31.6K

$23.8K Rp 432.0M

60.88%

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

$39.4K CHF 32.5K

$31.7K Rp 575.3M

24.15%

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

$229 CHF 189

$79.1 Rp 1.4M

190.02%

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

$28.98 CHF 23.90

$6.45 Rp 116.8K

349.30%

Internet (50+ Mbps, Unlimited Data)

$62.0 CHF 51.1

$18.58 Rp 336.7K

233.64%

Gym Membership (Monthly)

$110 CHF 90.7

$49.48 Rp 896.7K

122.31%

Tennis Court (1 Hour on Weekend)

$46.30 CHF 38.19

$17.65 Rp 319.8K

162.32%

Cinema Ticket

$23.59 CHF 19.46

$4.27 Rp 77.4K

452.46%

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

$3,157 CHF 2,604

$491 Rp 8.9M

543.49%

International Primary School, 1 Child (Yearly)

$24.5K CHF 20.2K

$5,674 Rp 102.8M

331.72%

Jeans (Levis 501 Or Similar)

$163 CHF 134

$44.64 Rp 808.9K

264.36%

Summer Dress (H&M, Zara, etc)

$54.9 CHF 45.25

$34.95 Rp 633.4K

56.97%

Sport Shoes (Adidas, Nike)

$172 CHF 142

$79.9 Rp 1.4M

114.93%

Men's Leather Business Shoes

$150 CHF 124

$79.4 Rp 1.4M

89.11%

1-bedroom Apartment, City Center (Monthly)

$1,272 CHF 1,049

$1,125 Rp 20.4M

13.07%

1-bedroom Apartment, Outside City Center (Monthly)

$1,192 CHF 983

$671 Rp 12.2M

77.53%

3-bedroom Apartment, City Center (Monthly)

$2,689 CHF 2,218

$3,565 Rp 64.6M

-24.58%

3-bedroom Apartment, Outside City Center (Monthly)

$2,317 CHF 1,911

$1,723 Rp 31.2M

34.46%

Buy Apartment in City Center (m2)

$8,110 CHF 6,690

$2,732 Rp 49.5M

196.90%

Buy Apartment Outside City Center (m2)

$8,439 CHF 6,961

$2,284 Rp 41.4M

269.48%

Average Monthly Net Salary (After Tax)

$7,148 CHF 5,896

$164 Rp 3.0M

4262.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.41

13.78

-82.51%

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

Last update for Schaffhausen: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Schaffhausen

$1.2K 38%

Ubud, Bali

$672 49.8% 43.7% $521

Groceries & Markets

Schaffhausen

$626 19.9%

Ubud, Bali

$288 21.4% 53.9% $337

Eating Out

Schaffhausen

$467 14.9%

Ubud, Bali

$108 8% 76.9% $359

Monthly Utilities & Internet

Schaffhausen

$320 10.2%

Ubud, Bali

$104 7.7% 67.5% $216

Clothing & Footwear

Schaffhausen

$243 7.7%

Ubud, Bali

$108 8% 55.7% $135

Sport & Entertainment

Schaffhausen

$157 5%

Ubud, Bali

$58 4.3% 63.1% $99

Getting Around

Schaffhausen

$134 4.3%

Ubud, Bali

$11 0.9% 91.5% $123

Cost Breakdown

A one-bedroom apartment in the center runs $1,272 in Schaffhausen and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Schaffhausen pays about 44 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $122 in Schaffhausen vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $626 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Schaffhausen

🇮🇩 Ubud, Bali

🕒 Local time

08:48 8:48 AM

15:48 3:48 PM

7 h ahead of Schaffhausen

🌤 Weather

👥 Population

35,927

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 = 5.52 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 1, 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 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to CHF in detail →

On the map

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Between locations

Schaffhausen Ubud, Bali 11,950 km ≈ 15 h nonstop flight

From you

Schaffhausen
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

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

Ubud, Bali wins on cost – living expenses run 57% lower than in Schaffhausen. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Schaffhausen is about 44 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,272 in Schaffhausen versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 117% higher in Schaffhausen. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $122 in Schaffhausen. If you eat out regularly, this makes a real dent in your monthly spending.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Schaffhausen and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 57% less than in Schaffhausen. Beyond cost, consider language, visa policies, and how big the international community is in each city.