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: $3,553 in St. Moritz versus $1,374 in Ubud, Bali.

Estimated couple costs with rent: $6,469 in St. Moritz versus $2,313 in Ubud, Bali.

Monthly costs for a family of three with rent: $9,385 in St. Moritz versus $3,252 in Ubud, Bali.

Living in St. Moritz is roughly 159% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: St. Moritz 163% above, Ubud, Bali 2% above.

Meal at Budget Restaurant

$34.44 CHF 28.78

$3.32 Rp 59.4K

937.35%

Three-Course Dinner for Two, Mid-Range

$147 CHF 122

$35.33 Rp 631.4K

314.86%

Fast Food Meal (McDonalds, etc)

$14.28 CHF 11.93

$5.33 Rp 95.3K

167.92%

Cappuccino

$6.12 CHF 5.12

$2.75 Rp 49.2K

122.55%

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

$5.33 CHF 4.45

$1.73 Rp 30.9K

208.09%

Water (0.33 liter bottle)

$4.46 CHF 3.73

$0.80 Rp 14.3K

457.50%

Local Beer (0.5 liter draught)

$9.84 CHF 8.22

$2.95 Rp 52.7K

233.56%

Imported Beer (0.33 liter bottle)

$6.07 CHF 5.07

$4.44 Rp 79.3K

36.71%

Milk (1 liter)

$1.73 CHF 1.45

$1.50 Rp 26.8K

15.33%

White Bread (500g)

$3.86 CHF 3.23

$2.30 Rp 41.1K

67.83%

Rice (white) (1kg)

$3.90 CHF 3.26

$1.10 Rp 19.6K

254.55%

Eggs

$7.36 CHF 6.15

$2.16 Rp 38.6K

240.74%

Local Cheese (1kg)

$26.52 CHF 22.16

$17.09 Rp 305.4K

55.18%

Chicken Fillets (1kg)

$26.92 CHF 22.49

$3.88 Rp 69.3K

593.81%

Beef Round Steak (1kg)

$59.3 CHF 49.57

$11.92 Rp 213.0K

397.73%

Apples (1kg)

$4.00 CHF 3.35

$3.57 Rp 63.7K

12.04%

Banana (1kg)

$2.90 CHF 2.42

$1.58 Rp 28.3K

83.54%

Oranges (1kg)

$3.37 CHF 2.81

$2.36 Rp 42.2K

42.80%

Tomato (1kg)

$4.64 CHF 3.88

$1.97 Rp 35.1K

135.53%

Potato (1kg)

$2.48 CHF 2.08

$1.81 Rp 32.3K

37.02%

Onion (1kg)

$2.24 CHF 1.87

$2.39 Rp 42.7K

-6.28%

Lettuce (1 head)

$2.52 CHF 2.11

$1.02 Rp 18.2K

147.06%

Water (1.5 liter bottle)

$1.25 CHF 1.05

$0.49 Rp 8,782

155.10%

Cigarettes 20 Pack (Marlboro, Camel)

$10.73 CHF 8.96

$2.25 Rp 40.1K

376.89%

Wine (Bottle)

$13.44 CHF 11.23

$22.30 Rp 398.5K

-39.73%

Local Beer (0.5 liter bottle)

$2.82 CHF 2.35

$2.37 Rp 42.3K

18.99%

Imported Beer (0.33 liter bottle)

$3.16 CHF 2.64

$2.90 Rp 51.7K

8.97%

One-way Ticket (Public Transport)

$3.93 CHF 3.29

$0.25 Rp 4,452

1472.00%

Public Transport Monthly Pass (Regular Price)

$92.0 CHF 76.9

$8.55 Rp 152.8K

976.26%

Taxi Start (Normal Tariff)

$8.23 CHF 6.88

$0.44 Rp 7,897

1770.45%

Taxi (Normal Tariff) (1km)

$4.66 CHF 3.90

$0.42 Rp 7,547

1009.52%

Taxi 1hour Waiting (Normal Tariff)

$88.2 CHF 73.7

$5.66 Rp 101.2K

1458.83%

Gasoline (1 liter)

$2.11 CHF 1.76

$0.81 Rp 14.6K

160.49%

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

$39.2K CHF 32.8K

$23.7K Rp 424.2M

65.11%

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

$39.8K CHF 33.3K

$31.0K Rp 553.6M

28.53%

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

$95.9 CHF 80.1

$82.3 Rp 1.5M

16.50%

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

$36.92 CHF 30.85

$6.30 Rp 112.6K

486.03%

Internet (50+ Mbps, Unlimited Data)

$55.7 CHF 46.54

$18.63 Rp 333.0K

198.98%

Gym Membership (Monthly)

$71.4 CHF 59.6

$54.7 Rp 978.1K

30.37%

Tennis Court (1 Hour on Weekend)

$18.45 Rp 329.7K

Cinema Ticket

$18.73 CHF 15.65

$4.24 Rp 75.8K

341.75%

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

$3,664 CHF 3,061

$484 Rp 8.7M

656.79%

International Primary School, 1 Child (Yearly)

$41.8K CHF 34.9K

$5,590 Rp 99.9M

647.75%

Jeans (Levis 501 Or Similar)

$142 CHF 119

$45.77 Rp 818.0K

211.32%

Summer Dress (H&M, Zara, etc)

$57.9 CHF 48.38

$35.69 Rp 637.9K

62.23%

Sport Shoes (Adidas, Nike)

$162 CHF 136

$78.3 Rp 1.4M

107.18%

Men's Leather Business Shoes

$252 CHF 210

$80.1 Rp 1.4M

214.25%

1-bedroom Apartment, City Center (Monthly)

$1,809 CHF 1,511

$1,147 Rp 20.5M

57.76%

1-bedroom Apartment, Outside City Center (Monthly)

$1,777 CHF 1,485

$678 Rp 12.1M

162.08%

3-bedroom Apartment, City Center (Monthly)

$5,313 CHF 4,440

$3,504 Rp 62.6M

51.63%

3-bedroom Apartment, Outside City Center (Monthly)

$4,681 CHF 3,912

$1,688 Rp 30.2M

177.34%

Buy Apartment in City Center (m2)

$2,788 Rp 49.8M

Buy Apartment Outside City Center (m2)

$11.9K CHF 9,974

$2,257 Rp 40.3M

428.89%

Average Monthly Net Salary (After Tax)

$4,841 CHF 4,045

$165 Rp 2.9M

2832.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

1.8

13.78

-86.94%

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

Last update for St. Moritz: September 29, 2026

Last update for Ubud, Bali: September 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,809 in St. Moritz and $1,147 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2833% 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. Moritz vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $652 vs $286 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 159% in total monthly costs ($3,553 vs $1,374 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2833% higher in St. Moritz, 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: $1,809 in St. Moritz versus $1,147 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 976% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $3,664 in St. Moritz versus $484 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,374 in Ubud, Bali versus $3,553 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 159% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.