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: $3,569 in St. Gallen versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $5,433 in St. Gallen versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $7,296 in St. Gallen versus $3,660 in Ubud, Bali.

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

Both cities are pricier than the global median: St. Gallen 166% above, Ubud, Bali 6% above.

Meal at Budget Restaurant

$30.20 CHF 23.81

$3.56 Rp 63.7K

748.31%

Three-Course Dinner for Two, Mid-Range

$149 CHF 117

$32.73 Rp 584.5K

354.96%

Fast Food Meal (McDonalds, etc)

$18.33 CHF 14.45

$4.95 Rp 88.4K

270.30%

Cappuccino

$6.23 CHF 4.91

$2.71 Rp 48.4K

129.89%

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

$5.87 CHF 4.63

$1.34 Rp 24.0K

338.06%

Water (0.33 liter bottle)

$5.38 CHF 4.24

$0.70 Rp 12.5K

668.57%

Local Beer (0.5 liter draught)

$7.36 CHF 5.81

$2.92 Rp 52.1K

152.05%

Imported Beer (0.33 liter bottle)

$7.15 CHF 5.64

$3.96 Rp 70.7K

80.56%

Milk (1 liter)

$2.23 CHF 1.76

$1.81 Rp 32.3K

23.20%

White Bread (500g)

$2.68 CHF 2.11

$2.52 Rp 45.0K

6.35%

Rice (white) (1kg)

$3.58 CHF 2.82

$1.16 Rp 20.7K

208.62%

Eggs

$8.15 CHF 6.42

$2.46 Rp 43.9K

231.30%

Local Cheese (1kg)

$27.21 CHF 21.45

$14.71 Rp 262.7K

84.98%

Chicken Fillets (1kg)

$32.59 CHF 25.69

$4.32 Rp 77.1K

654.40%

Beef Round Steak (1kg)

$40.95 CHF 32.29

$12.14 Rp 216.7K

237.31%

Apples (1kg)

$3.13 CHF 2.47

$3.84 Rp 68.6K

-18.49%

Banana (1kg)

$1.85 CHF 1.46

$1.56 Rp 27.8K

18.59%

Oranges (1kg)

$2.58 CHF 2.03

$2.83 Rp 50.6K

-8.83%

Tomato (1kg)

$7.26 CHF 5.72

$2.33 Rp 41.5K

211.59%

Potato (1kg)

$2.56 CHF 2.02

$1.91 Rp 34.2K

34.03%

Onion (1kg)

$2.34 CHF 1.85

$2.20 Rp 39.3K

6.36%

Lettuce (1 head)

$2.34 CHF 1.84

$1.01 Rp 18.1K

131.68%

Water (1.5 liter bottle)

$1.11 CHF 0.87

$0.78 Rp 13.8K

42.31%

Cigarettes 20 Pack (Marlboro, Camel)

$11.04 CHF 8.71

$3.32 Rp 59.2K

232.53%

Wine (Bottle)

$11.81 CHF 9.31

$23.74 Rp 423.9K

-50.25%

Local Beer (0.5 liter bottle)

$2.16 CHF 1.70

$2.79 Rp 49.8K

-22.58%

Imported Beer (0.33 liter bottle)

$2.31 CHF 1.82

$2.86 Rp 51.1K

-19.23%

One-way Ticket (Public Transport)

$4.32 CHF 3.41

$0.27 Rp 4,800

1500.00%

Public Transport Monthly Pass (Regular Price)

$80.6 CHF 63.5

$8.03 Rp 143.4K

903.74%

Taxi Start (Normal Tariff)

$6.86 CHF 5.41

$0.46 Rp 8,150

1391.30%

Taxi (Normal Tariff) (1km)

$4.20 CHF 3.31

$0.45 Rp 8,037

833.33%

Taxi 1hour Waiting (Normal Tariff)

$79.0 CHF 62.3

$6.10 Rp 108.9K

1194.75%

Gasoline (1 liter)

$2.10 CHF 1.66

$0.79 Rp 14.2K

165.82%

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

$39.9K CHF 31.5K

$26.1K Rp 467.0M

52.70%

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

$41.5K CHF 32.7K

$32.1K Rp 573.6M

29.06%

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

$332 CHF 262

$79.9 Rp 1.4M

315.07%

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

$59.3 CHF 46.73

$4.06 Rp 72.6K

1359.85%

Internet (50+ Mbps, Unlimited Data)

$52.8 CHF 41.63

$23.52 Rp 420.0K

124.49%

Gym Membership (Monthly)

$81.2 CHF 64.1

$98.7 Rp 1.8M

-17.69%

Tennis Court (1 Hour on Weekend)

$99.3 CHF 78.3

$6.63 Rp 118.4K

1398.34%

Cinema Ticket

$30.30 CHF 23.89

$4.15 Rp 74.1K

630.12%

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

$2,792 CHF 2,202

$304 Rp 5.4M

818.68%

International Primary School, 1 Child (Yearly)

$34.9K CHF 27.5K

$6,613 Rp 118.1M

428.21%

Jeans (Levis 501 Or Similar)

$148 CHF 117

$55.5 Rp 991.8K

166.62%

Summer Dress (H&M, Zara, etc)

$64.8 CHF 51.1

$38.31 Rp 684.1K

69.07%

Sport Shoes (Adidas, Nike)

$156 CHF 123

$88.6 Rp 1.6M

76.58%

Men's Leather Business Shoes

$238 CHF 187

$77.9 Rp 1.4M

205.16%

1-bedroom Apartment, City Center (Monthly)

$1,814 CHF 1,431

$1,006 Rp 18.0M

80.29%

1-bedroom Apartment, Outside City Center (Monthly)

$1,526 CHF 1,203

$675 Rp 12.1M

125.92%

3-bedroom Apartment, City Center (Monthly)

$2,733 CHF 2,154

$3,442 Rp 61.5M

-20.60%

3-bedroom Apartment, Outside City Center (Monthly)

$2,369 CHF 1,868

$2,039 Rp 36.4M

16.18%

Buy Apartment in City Center (m2)

$10.8K CHF 8,511

$2,841 Rp 50.7M

279.94%

Buy Apartment Outside City Center (m2)

$8,655 CHF 6,823

$2,264 Rp 40.4M

282.30%

Average Monthly Net Salary (After Tax)

$7,138 CHF 5,628

$165 Rp 3.0M

4219.79%

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: June 2, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,814 in St. Gallen and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Gallen pays 4220% 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: $149 in St. Gallen vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $611 vs $302 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.

St. Gallen pays 4220% more on average, 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: $1,814 in St. Gallen versus $1,006 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 904% less than in St. Gallen. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $2,792 in St. Gallen versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,419 in Ubud, Bali versus $3,569 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.