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: $3,776 in St. Moritz versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $6,503 in St. Moritz versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $9,229 in St. Moritz versus $3,723 in Ubud, Bali.

Living in St. Moritz is roughly 171% more expensive than in Ubud, Bali, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: St. Moritz 184% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$31.00 CHF 25.02

$3.57 Rp 64.5K

768.35%

Three-Course Dinner for Two, Mid-Range

$147 CHF 118

$32.32 Rp 583.4K

354.02%

Fast Food Meal (McDonalds, etc)

$14.73 CHF 11.89

$5.01 Rp 90.4K

194.01%

Cappuccino

$6.32 CHF 5.10

$2.82 Rp 51.0K

124.11%

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

$5.65 CHF 4.56

$1.35 Rp 24.4K

318.52%

Water (0.33 liter bottle)

$4.50 CHF 3.63

$0.73 Rp 13.2K

516.44%

Local Beer (0.5 liter draught)

$9.75 CHF 7.87

$2.93 Rp 53.0K

232.76%

Imported Beer (0.33 liter bottle)

$5.99 CHF 4.84

$3.94 Rp 71.1K

52.03%

Milk (1 liter)

$1.32 CHF 1.07

$1.78 Rp 32.1K

-25.84%

White Bread (500g)

$3.38 CHF 2.73

$2.45 Rp 44.2K

37.96%

Rice (white) (1kg)

$4.11 CHF 3.32

$1.15 Rp 20.7K

257.39%

Eggs

$7.60 CHF 6.14

$2.41 Rp 43.6K

215.35%

Local Cheese (1kg)

$29.20 CHF 23.57

$14.33 Rp 258.7K

103.77%

Chicken Fillets (1kg)

$32.92 CHF 26.57

$4.19 Rp 75.6K

685.68%

Beef Round Steak (1kg)

$50.6 CHF 40.85

$12.06 Rp 217.7K

319.73%

Apples (1kg)

$4.09 CHF 3.30

$3.64 Rp 65.7K

12.36%

Banana (1kg)

$2.89 CHF 2.33

$1.57 Rp 28.3K

84.08%

Oranges (1kg)

$3.04 CHF 2.45

$2.79 Rp 50.3K

8.96%

Tomato (1kg)

$5.20 CHF 4.20

$2.24 Rp 40.5K

132.14%

Potato (1kg)

$2.74 CHF 2.21

$1.98 Rp 35.7K

38.38%

Onion (1kg)

$2.31 CHF 1.86

$2.28 Rp 41.1K

1.32%

Lettuce (1 head)

$2.47 CHF 1.99

$1.05 Rp 19.0K

135.24%

Water (1.5 liter bottle)

$1.73 CHF 1.39

$0.79 Rp 14.2K

118.99%

Cigarettes 20 Pack (Marlboro, Camel)

$11.16 CHF 9.00

$3.19 Rp 57.6K

249.84%

Wine (Bottle)

$13.58 CHF 10.96

$23.49 Rp 424.1K

-42.19%

Local Beer (0.5 liter bottle)

$2.70 CHF 2.18

$2.90 Rp 52.3K

-6.90%

Imported Beer (0.33 liter bottle)

$3.31 CHF 2.67

$2.76 Rp 49.7K

19.93%

One-way Ticket (Public Transport)

$3.84 CHF 3.10

$0.27 Rp 4,813

1322.22%

Public Transport Monthly Pass (Regular Price)

$96.9 CHF 78.2

$8.37 Rp 151.1K

1058.06%

Taxi Start (Normal Tariff)

$7.52 CHF 6.07

$0.45 Rp 8,167

1571.11%

Taxi (Normal Tariff) (1km)

$4.46 CHF 3.60

$0.46 Rp 8,298

869.57%

Taxi 1hour Waiting (Normal Tariff)

$89.2 CHF 72.0

$6.07 Rp 109.6K

1370.18%

Gasoline (1 liter)

$2.24 CHF 1.81

$0.86 Rp 15.6K

160.47%

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

$40.5K CHF 32.7K

$26.6K Rp 480.0M

52.24%

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

$39.8K CHF 32.1K

$32.5K Rp 587.6M

22.31%

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

$97.2 CHF 78.5

$79.0 Rp 1.4M

23.06%

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

$36.41 CHF 29.38

$4.09 Rp 73.9K

790.22%

Internet (50+ Mbps, Unlimited Data)

$59.7 CHF 48.16

$23.85 Rp 430.5K

150.19%

Gym Membership (Monthly)

$74.7 CHF 60.3

$98.8 Rp 1.8M

-24.39%

Tennis Court (1 Hour on Weekend)

$42.41 CHF 34.22

$6.35 Rp 114.7K

567.87%

Cinema Ticket

$18.87 CHF 15.23

$4.01 Rp 72.3K

370.57%

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

$3,368 CHF 2,718

$297 Rp 5.4M

1033.00%

International Primary School, 1 Child (Yearly)

$39.7K CHF 32.1K

$6,602 Rp 119.2M

501.96%

Jeans (Levis 501 Or Similar)

$137 CHF 111

$53.4 Rp 964.5K

157.12%

Summer Dress (H&M, Zara, etc)

$62.3 CHF 50.2

$38.11 Rp 688.1K

63.34%

Sport Shoes (Adidas, Nike)

$151 CHF 122

$88.7 Rp 1.6M

70.11%

Men's Leather Business Shoes

$203 CHF 164

$76.6 Rp 1.4M

165.13%

1-bedroom Apartment, City Center (Monthly)

$1,702 CHF 1,374

$1,020 Rp 18.4M

66.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,993 CHF 1,608

$680 Rp 12.3M

192.94%

3-bedroom Apartment, City Center (Monthly)

$2,808 CHF 2,266

$3,469 Rp 62.6M

-19.05%

3-bedroom Apartment, Outside City Center (Monthly)

$4,655 CHF 3,757

$2,090 Rp 37.7M

122.74%

Buy Apartment in City Center (m2)

$15.6K CHF 12.6K

$2,729 Rp 49.3M

471.31%

Buy Apartment Outside City Center (m2)

$12.2K CHF 9,879

$2,295 Rp 41.4M

433.30%

Average Monthly Net Salary (After Tax)

$4,804 CHF 3,877

$164 Rp 3.0M

2835.06%

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: July 25, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,702 in St. Moritz and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2835% 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 $32.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $665 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 171% in total monthly costs ($3,776 vs $1,392 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 2835% 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: $1,702 in St. Moritz versus $1,020 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 1058% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $3,368 in St. Moritz versus $297 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,392 in Ubud, Bali versus $3,776 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 171% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.