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

Monthly Cost of Living

Monthly costs for one person with rent: $3,529 in St. Gallen versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $5,441 in St. Gallen versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $7,353 in St. Gallen versus $3,763 in Ubud, Bali.

Living in St. Gallen is roughly 151% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: St. Gallen 164% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$30.33 CHF 24.52

$3.45 Rp 62.0K

779.13%

Three-Course Dinner for Two, Mid-Range

$147 CHF 119

$32.34 Rp 580.1K

355.29%

Fast Food Meal (McDonalds, etc)

$18.50 CHF 14.96

$4.84 Rp 86.9K

282.23%

Cappuccino

$6.36 CHF 5.14

$2.75 Rp 49.3K

131.27%

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

$5.84 CHF 4.72

$1.38 Rp 24.8K

323.19%

Water (0.33 liter bottle)

$5.33 CHF 4.31

$0.75 Rp 13.5K

610.67%

Local Beer (0.5 liter draught)

$7.66 CHF 6.19

$2.99 Rp 53.7K

156.19%

Imported Beer (0.33 liter bottle)

$7.28 CHF 5.88

$3.85 Rp 69.1K

89.09%

Milk (1 liter)

$2.20 CHF 1.78

$1.74 Rp 31.1K

26.44%

White Bread (500g)

$2.66 CHF 2.15

$2.46 Rp 44.1K

8.13%

Rice (white) (1kg)

$3.53 CHF 2.85

$1.17 Rp 21.0K

201.71%

Eggs

$8.31 CHF 6.72

$2.43 Rp 43.6K

241.98%

Local Cheese (1kg)

$27.25 CHF 22.03

$14.50 Rp 260.2K

87.93%

Chicken Fillets (1kg)

$32.23 CHF 26.06

$4.35 Rp 78.0K

640.92%

Beef Round Steak (1kg)

$41.77 CHF 33.77

$11.98 Rp 214.9K

248.66%

Apples (1kg)

$3.27 CHF 2.65

$3.72 Rp 66.7K

-12.10%

Banana (1kg)

$1.86 CHF 1.50

$1.63 Rp 29.2K

14.11%

Oranges (1kg)

$2.45 CHF 1.98

$2.74 Rp 49.2K

-10.58%

Tomato (1kg)

$7.04 CHF 5.69

$2.24 Rp 40.2K

214.29%

Potato (1kg)

$2.53 CHF 2.04

$1.92 Rp 34.4K

31.77%

Onion (1kg)

$2.32 CHF 1.88

$2.28 Rp 40.8K

1.75%

Lettuce (1 head)

$2.38 CHF 1.92

$1.06 Rp 19.1K

124.53%

Water (1.5 liter bottle)

$1.11 CHF 0.90

$0.72 Rp 12.9K

54.17%

Cigarettes 20 Pack (Marlboro, Camel)

$10.80 CHF 8.73

$3.29 Rp 58.9K

228.27%

Wine (Bottle)

$11.53 CHF 9.32

$23.19 Rp 416.1K

-50.28%

Local Beer (0.5 liter bottle)

$2.19 CHF 1.77

$2.78 Rp 49.8K

-21.22%

Imported Beer (0.33 liter bottle)

$2.39 CHF 1.93

$2.73 Rp 49.0K

-12.45%

One-way Ticket (Public Transport)

$4.21 CHF 3.40

$0.27 Rp 4,778

1459.26%

Public Transport Monthly Pass (Regular Price)

$82.5 CHF 66.7

$8.11 Rp 145.4K

917.39%

Taxi Start (Normal Tariff)

$6.79 CHF 5.49

$0.48 Rp 8,659

1314.58%

Taxi (Normal Tariff) (1km)

$4.10 CHF 3.32

$0.42 Rp 7,532

876.19%

Taxi 1hour Waiting (Normal Tariff)

$79.4 CHF 64.2

$6.22 Rp 111.6K

1175.88%

Gasoline (1 liter)

$2.14 CHF 1.73

$0.81 Rp 14.6K

164.20%

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

$40.6K CHF 32.9K

$26.6K Rp 477.4M

52.72%

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

$40.8K CHF 33.0K

$32.2K Rp 577.4M

26.82%

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

$324 CHF 262

$78.4 Rp 1.4M

313.13%

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

$59.4 CHF 48.00

$4.07 Rp 73.0K

1358.72%

Internet (50+ Mbps, Unlimited Data)

$52.2 CHF 42.23

$24.33 Rp 436.4K

114.67%

Gym Membership (Monthly)

$82.7 CHF 66.9

$98.6 Rp 1.8M

-16.11%

Tennis Court (1 Hour on Weekend)

$100 CHF 80.9

$6.34 Rp 113.7K

1478.08%

Cinema Ticket

$31.00 CHF 25.06

$3.99 Rp 71.5K

676.94%

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

$2,815 CHF 2,276

$305 Rp 5.5M

822.70%

International Primary School, 1 Child (Yearly)

$34.2K CHF 27.7K

$6,642 Rp 119.2M

415.32%

Jeans (Levis 501 Or Similar)

$145 CHF 117

$54.1 Rp 971.2K

168.14%

Summer Dress (H&M, Zara, etc)

$64.6 CHF 52.2

$37.81 Rp 678.2K

70.80%

Sport Shoes (Adidas, Nike)

$159 CHF 128

$86.8 Rp 1.6M

82.57%

Men's Leather Business Shoes

$233 CHF 188

$76.4 Rp 1.4M

205.24%

1-bedroom Apartment, City Center (Monthly)

$1,816 CHF 1,468

$992 Rp 17.8M

83.09%

1-bedroom Apartment, Outside City Center (Monthly)

$1,495 CHF 1,208

$673 Rp 12.1M

122.18%

3-bedroom Apartment, City Center (Monthly)

$2,793 CHF 2,258

$3,375 Rp 60.5M

-17.25%

3-bedroom Apartment, Outside City Center (Monthly)

$2,310 CHF 1,867

$2,050 Rp 36.8M

12.66%

Buy Apartment in City Center (m2)

$12.4K CHF 10.0K

$2,805 Rp 50.3M

341.41%

Buy Apartment Outside City Center (m2)

$9,105 CHF 7,362

$2,227 Rp 39.9M

308.86%

Average Monthly Net Salary (After Tax)

$6,998 CHF 5,658

$167 Rp 3.0M

4091.43%

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 St. Gallen: July 13, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,816 in St. Gallen and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Gallen pays 4091% 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: $147 in St. Gallen vs $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $610 vs $297 per month, with Ubud, Bali cheaper across the board.

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 & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Getting Around. The 151% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 4091% 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: $1,816 in St. Gallen versus $992 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 917% less than in St. Gallen. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $2,815 in St. Gallen versus $305 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,408 in Ubud, Bali versus $3,529 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 151% less than in St. Gallen. Beyond cost, consider language, visa policies, and how big the international community is in each city.