Last update: Oct 2026

Cost of Living Comparison Between St. Gallen and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,635 in St. Gallen, rent and utilities included – about $27,200 less a year. Rent and utilities account for about half of the difference.

178

Cost of Living Index in St. Gallen
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St. Gallen Living Index
67

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

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St. Gallen

🇨🇭 Switzerland

$3,635

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $3,635 in St. Gallen versus $1,368 in Ubud, Bali.

St. Gallen $3,635
Ubud, Bali $1,368

Estimated couple costs with rent: $5,183 in St. Gallen versus $2,314 in Ubud, Bali.

St. Gallen $5,183
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $6,730 in St. Gallen versus $3,260 in Ubud, Bali.

St. Gallen $6,730
Ubud, Bali $3,260

Living in St. Gallen is roughly 166% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: St. Gallen 169% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$29.02 CHF 23.90

$3.33 Rp 59.9K

771.47%

Three-Course Dinner for Two, Mid-Range

$143 CHF 118

$35.18 Rp 633.2K

306.14%

Fast Food Meal (McDonalds, etc)

$17.94 CHF 14.78

$5.80 Rp 104.5K

209.31%

Cappuccino

$5.96 CHF 4.91

$2.73 Rp 49.1K

118.32%

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

$5.81 CHF 4.79

$1.64 Rp 29.5K

254.27%

Water (0.33 liter bottle)

$5.02 CHF 4.13

$0.83 Rp 15.0K

504.82%

Local Beer (0.5 liter draught)

$8.92 CHF 7.34

$2.70 Rp 48.6K

230.37%

Imported Beer (0.33 liter bottle)

$6.31 CHF 5.19

$4.30 Rp 77.4K

46.74%

Milk (1 liter)

$2.13 CHF 1.75

$1.50 Rp 27.1K

42.00%

White Bread (500g)

$3.10 CHF 2.55

$2.30 Rp 41.4K

34.78%

Rice (white) (1kg)

$3.59 CHF 2.96

$1.18 Rp 21.2K

204.24%

Eggs

$7.63 CHF 6.29

$2.14 Rp 38.6K

256.54%

Local Cheese (1kg)

$25.24 CHF 20.79

$17.48 Rp 314.6K

44.39%

Chicken Fillets (1kg)

$28.21 CHF 23.23

$4.03 Rp 72.5K

600.00%

Beef Round Steak (1kg)

$39.20 CHF 32.29

$12.23 Rp 220.1K

220.52%

Apples (1kg)

$3.07 CHF 2.53

$3.55 Rp 63.9K

-13.52%

Banana (1kg)

$1.59 CHF 1.31

$1.57 Rp 28.3K

1.27%

Oranges (1kg)

$2.30 CHF 1.89

$2.24 Rp 40.2K

2.68%

Tomato (1kg)

$5.87 CHF 4.84

$1.93 Rp 34.7K

204.15%

Potato (1kg)

$1.72 CHF 1.41

$1.88 Rp 33.9K

-8.51%

Onion (1kg)

$2.08 CHF 1.71

$2.29 Rp 41.3K

-9.17%

Lettuce (1 head)

$2.26 CHF 1.86

$0.99 Rp 17.9K

128.28%

Water (1.5 liter bottle)

$1.16 CHF 0.96

$0.53 Rp 9,475

118.87%

Cigarettes 20 Pack (Marlboro, Camel)

$11.00 CHF 9.06

$2.28 Rp 41.1K

382.46%

Wine (Bottle)

$11.19 CHF 9.21

$23.01 Rp 414.2K

-51.37%

Local Beer (0.5 liter bottle)

$2.11 CHF 1.74

$2.34 Rp 42.2K

-9.83%

Imported Beer (0.33 liter bottle)

$2.23 CHF 1.83

$2.91 Rp 52.4K

-23.37%

One-way Ticket (Public Transport)

$4.26 CHF 3.51

$0.24 Rp 4,315

1675.00%

Public Transport Monthly Pass (Regular Price)

$125 CHF 103

$8.82 Rp 158.7K

1320.52%

Taxi Start (Normal Tariff)

$6.73 CHF 5.54

$0.48 Rp 8,684

1302.08%

Taxi (Normal Tariff) (1km)

$4.56 CHF 3.75

$0.46 Rp 8,233

891.30%

Taxi 1hour Waiting (Normal Tariff)

$78.0 CHF 64.3

$5.45 Rp 98.2K

1331.56%

Gasoline (1 liter)

$2.30 CHF 1.89

$0.88 Rp 15.9K

161.36%

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

$34.2K CHF 28.2K

$24.6K Rp 442.2M

39.23%

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

$39.3K CHF 32.3K

$31.2K Rp 561.4M

25.91%

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

$309 CHF 254

$83.0 Rp 1.5M

271.82%

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

$37.13 CHF 30.58

$6.45 Rp 116.0K

475.66%

Internet (50+ Mbps, Unlimited Data)

$54.8 CHF 45.11

$18.57 Rp 334.2K

194.94%

Gym Membership (Monthly)

$79.0 CHF 65.1

$55.8 Rp 1.0M

41.54%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$30.06 CHF 24.76

$4.38 Rp 78.9K

586.30%

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

$2,233 CHF 1,839

$493 Rp 8.9M

352.87%

International Primary School, 1 Child (Yearly)

$32.0K CHF 26.4K

$5,754 Rp 103.6M

456.77%

Jeans (Levis 501 Or Similar)

$144 CHF 118

$46.19 Rp 831.4K

211.13%

Summer Dress (H&M, Zara, etc)

$63.6 CHF 52.4

$35.33 Rp 636.0K

79.93%

Sport Shoes (Adidas, Nike)

$144 CHF 119

$79.1 Rp 1.4M

82.18%

Men's Leather Business Shoes

$179 CHF 147

$78.4 Rp 1.4M

128.18%

1-bedroom Apartment, City Center (Monthly)

$1,720 CHF 1,417

$1,142 Rp 20.6M

50.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,662 CHF 1,369

$676 Rp 12.2M

146.02%

3-bedroom Apartment, City Center (Monthly)

$2,818 CHF 2,321

$3,503 Rp 63.1M

-19.56%

3-bedroom Apartment, Outside City Center (Monthly)

$2,152 CHF 1,773

$1,700 Rp 30.6M

26.61%

Buy Apartment in City Center (m2)

$11.9K CHF 9,807

$2,784 Rp 50.1M

327.69%

Buy Apartment Outside City Center (m2)

$9,042 CHF 7,447

$2,241 Rp 40.3M

303.55%

Average Monthly Net Salary (After Tax)

$6,580 CHF 5,419

$165 Rp 3.0M

3898.85%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.1

13.78

-84.76%

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

Last update for St. Gallen: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

St. Gallen

$1.7K 45.7%

Ubud, Bali

$676 49.4% 59.4% $987

Groceries & Markets

St. Gallen

$565 15.5%

Ubud, Bali

$290 21.2% 48.6% $274

Eating Out

St. Gallen

$458 12.6%

Ubud, Bali

$109 8% 76.2% $349

Monthly Utilities & Internet

St. Gallen

$401 11%

Ubud, Bali

$108 7.9% 73% $293

Clothing & Footwear

St. Gallen

$239 6.6%

Ubud, Bali

$108 7.9% 54.9% $131

Getting Around

St. Gallen

$172 4.7%

Ubud, Bali

$13 0.9% 92.7% $159

Sport & Entertainment

St. Gallen

$139 3.8%

Ubud, Bali

$65 4.7% 53.6% $75

Cost Breakdown

A one-bedroom apartment in the center runs $1,720 in St. Gallen and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Gallen pays 3899% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $143 in St. Gallen vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $565 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 St. Gallen

🇮🇩 Ubud, Bali

🕒 Local time

07:42 7:42 AM

13:42 1:42 PM

6 h ahead of St. Gallen

🌤 Weather

👥 Population

78,213

74,800

💱 Currency

Swiss Franc CHF Fr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CHF = 1.21 USD

1 CHF = 1.08 EUR

100,000 IDR = 5.56 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 October 19, 2026: 1 USD = 0.824 CHF (1 CHF = 1.21 USD). 1 EUR = 0.926 CHF (1 CHF = 1.08 EUR).

Indonesian Rupiah exchange rates as of October 19, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to CHF in detail →

On the map

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Highest

Between locations

St. Gallen Ubud, Bali 11,900 km ≈ 15 h nonstop flight

From you

St. Gallen
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

St. Gallen vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in groceries, eating out, and clothing. The 166% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 3899% higher in St. Gallen, 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: $1,720 in St. Gallen versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 1321% less than in St. Gallen. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $2,233 in St. Gallen versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,368 in Ubud, Bali versus $3,635 in St. Gallen, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Gallen. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in St. Gallen, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, St. Gallen and Ubud, Bali are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 166% less than in St. Gallen. Beyond cost, consider language, visa policies, and how big the international community is in each city.