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

Monthly Cost of Living

Monthly costs for one person with rent: $3,865 in St. Moritz versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $6,642 in St. Moritz versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $9,420 in St. Moritz versus $3,732 in Ubud, Bali.

Living in St. Moritz is roughly 169% more expensive than Ubud, Bali, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: St. Moritz 189% above, Ubud, Bali 7% above.

Meal at Budget Restaurant

$31.31 CHF 24.77

$3.57 Rp 61.9K

777.03%

Three-Course Dinner for Two, Mid-Range

$150 CHF 118

$32.58 Rp 564.7K

359.58%

Fast Food Meal (McDonalds, etc)

$15.03 CHF 11.89

$5.07 Rp 87.8K

196.45%

Cappuccino

$6.14 CHF 4.86

$2.83 Rp 49.0K

116.96%

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

$5.46 CHF 4.32

$1.34 Rp 23.2K

307.46%

Water (0.33 liter bottle)

$4.76 CHF 3.76

$0.69 Rp 12.0K

589.86%

Local Beer (0.5 liter draught)

$10.02 CHF 7.92

$2.99 Rp 51.8K

235.12%

Imported Beer (0.33 liter bottle)

$6.03 CHF 4.77

$3.85 Rp 66.7K

56.62%

Milk (1 liter)

$1.33 CHF 1.05

$1.74 Rp 30.2K

-23.56%

White Bread (500g)

$3.44 CHF 2.72

$2.54 Rp 44.0K

35.43%

Rice (white) (1kg)

$4.11 CHF 3.25

$1.19 Rp 20.6K

245.38%

Eggs

$7.45 CHF 5.90

$2.43 Rp 42.0K

206.58%

Local Cheese (1kg)

$29.79 CHF 23.56

$14.66 Rp 254.1K

103.21%

Chicken Fillets (1kg)

$33.95 CHF 26.85

$4.18 Rp 72.4K

712.20%

Beef Round Steak (1kg)

$50.4 CHF 39.84

$11.94 Rp 206.9K

321.86%

Apples (1kg)

$4.09 CHF 3.23

$3.69 Rp 63.9K

10.84%

Banana (1kg)

$2.92 CHF 2.31

$1.61 Rp 27.8K

81.37%

Oranges (1kg)

$3.15 CHF 2.49

$2.69 Rp 46.5K

17.10%

Tomato (1kg)

$5.05 CHF 3.99

$2.33 Rp 40.4K

116.74%

Potato (1kg)

$2.82 CHF 2.23

$1.91 Rp 33.0K

47.64%

Onion (1kg)

$2.31 CHF 1.82

$2.19 Rp 37.9K

5.48%

Lettuce (1 head)

$2.51 CHF 1.99

$1.06 Rp 18.3K

136.79%

Water (1.5 liter bottle)

$1.73 CHF 1.37

$0.72 Rp 12.5K

140.28%

Cigarettes 20 Pack (Marlboro, Camel)

$10.87 CHF 8.60

$3.13 Rp 54.3K

247.28%

Wine (Bottle)

$15.15 CHF 11.98

$23.49 Rp 407.1K

-35.50%

Local Beer (0.5 liter bottle)

$2.75 CHF 2.18

$2.74 Rp 47.5K

0.36%

Imported Beer (0.33 liter bottle)

$3.21 CHF 2.54

$2.88 Rp 49.9K

11.46%

One-way Ticket (Public Transport)

$3.83 CHF 3.03

$0.29 Rp 5,029

1220.69%

Public Transport Monthly Pass (Regular Price)

$94.2 CHF 74.5

$8.17 Rp 141.6K

1052.75%

Taxi Start (Normal Tariff)

$7.60 CHF 6.01

$0.45 Rp 7,863

1588.89%

Taxi (Normal Tariff) (1km)

$4.58 CHF 3.63

$0.42 Rp 7,305

990.48%

Taxi 1hour Waiting (Normal Tariff)

$86.6 CHF 68.5

$6.16 Rp 106.7K

1306.01%

Gasoline (1 liter)

$2.24 CHF 1.77

$0.84 Rp 14.6K

166.67%

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

$40.3K CHF 31.9K

$26.2K Rp 454.9M

53.52%

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

$39.4K CHF 31.2K

$32.5K Rp 562.9M

21.46%

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

$99.5 CHF 78.7

$78.4 Rp 1.4M

26.82%

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

$36.21 CHF 28.64

$3.95 Rp 68.5K

816.71%

Internet (50+ Mbps, Unlimited Data)

$59.8 CHF 47.30

$24.40 Rp 423.0K

145.08%

Gym Membership (Monthly)

$73.0 CHF 57.7

$96.5 Rp 1.7M

-24.39%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

Cinema Ticket

$19.20 CHF 15.19

$4.04 Rp 70.0K

375.25%

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

$3,465 CHF 2,741

$303 Rp 5.2M

1045.06%

International Primary School, 1 Child (Yearly)

$39.6K CHF 31.3K

$6,523 Rp 113.1M

507.25%

Jeans (Levis 501 Or Similar)

$137 CHF 109

$53.8 Rp 933.1K

155.00%

Summer Dress (H&M, Zara, etc)

$61.5 CHF 48.68

$37.98 Rp 658.3K

62.03%

Sport Shoes (Adidas, Nike)

$150 CHF 118

$86.8 Rp 1.5M

72.37%

Men's Leather Business Shoes

$205 CHF 162

$78.9 Rp 1.4M

159.46%

1-bedroom Apartment, City Center (Monthly)

$1,709 CHF 1,351

$1,012 Rp 17.5M

68.79%

1-bedroom Apartment, Outside City Center (Monthly)

$1,982 CHF 1,568

$674 Rp 11.7M

193.94%

3-bedroom Apartment, City Center (Monthly)

$2,826 CHF 2,236

$3,390 Rp 58.8M

-16.62%

3-bedroom Apartment, Outside City Center (Monthly)

$4,665 CHF 3,690

$2,098 Rp 36.4M

122.35%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

Buy Apartment Outside City Center (m2)

$12.8K CHF 10.1K

$2,339 Rp 40.5M

447.92%

Average Monthly Net Salary (After Tax)

$4,994 CHF 3,950

$173 Rp 3.0M

2784.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

1.8

13.28

-86.45%

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

Last update for St. Moritz: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,709 in St. Moritz and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2785% 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: $150 in St. Moritz vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $674 vs $298 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. Moritz vs Ubud, Bali: Cost of Living - Frequently Asked Questions

St. Moritz and Ubud, Bali differ by about 169% in total monthly costs ($3,865 vs $1,438 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

St. Moritz pays 2785% 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: $1,709 in St. Moritz versus $1,012 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 1053% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $3,465 in St. Moritz versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,438 in Ubud, Bali versus $3,865 in St. Moritz, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Moritz. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, St. Moritz 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 169% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.