Last update: Oct 2026

Cost of Living Comparison Between Swabi and Ubud, Bali

For one person, living is cheaper in Swabi: $522 a month against $1,368 in Ubud, Bali, rent and utilities included – about $10,200 less a year. Rent and utilities account for most of the difference.

25

Cost of Living Index in Swabi
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Swabi Living Index
67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Swabi

🇵🇰 Pakistan

$522

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Swabi and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Swabi and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $522 per month in Swabi vs $1,368 in Ubud, Bali, rent included.

Swabi $522
Ubud, Bali $1,368

A couple spends around $796 per month in Swabi vs $2,314 in Ubud, Bali, rent included.

Swabi $796
Ubud, Bali $2,314

A family of three spends $1,070 per month in Swabi vs $3,260 in Ubud, Bali, rent included.

Swabi $1,070
Ubud, Bali $3,260

Swabi is about 62% cheaper than Ubud, Bali, and outside of rent the biggest gap is in groceries.

Swabi sits 61% below the global median, while Ubud, Bali is 1% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.57 PKR 988

$3.33 Rp 59.9K

7.21%

Three-Course Dinner for Two, Mid-Range

$23.34 PKR 6,459

$35.18 Rp 633.2K

-33.66%

Fast Food Meal (McDonalds, etc)

$5.33 PKR 1,474

$5.80 Rp 104.5K

-8.10%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.71 PKR 1,028

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.89 PKR 1,908

Cappuccino

$2.68 PKR 743

$2.73 Rp 49.1K

-1.83%

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

$0.36 PKR 98.3

$1.64 Rp 29.5K

-78.05%

Water (0.33 liter bottle)

$0.21 PKR 58.1

$0.83 Rp 15.0K

-74.70%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

Milk (1 liter)

$0.97 PKR 269

$1.50 Rp 27.1K

-35.33%

White Bread (500g)

$0.72 PKR 199

$2.30 Rp 41.4K

-68.70%

Rice (white) (1kg)

$1.31 PKR 362

$1.18 Rp 21.2K

11.02%

Eggs

$1.21 PKR 335

$2.14 Rp 38.6K

-43.46%

Local Cheese (1kg)

$6.06 PKR 1,677

$17.48 Rp 314.6K

-65.33%

Chicken Fillets (1kg)

$3.16 PKR 874

$4.03 Rp 72.5K

-21.59%

Beef Round Steak (1kg)

$5.29 PKR 1,463

$12.23 Rp 220.1K

-56.75%

Apples (1kg)

$1.33 PKR 369

$3.55 Rp 63.9K

-62.54%

Banana (1kg)

$0.87 PKR 242

$1.57 Rp 28.3K

-44.59%

Oranges (1kg)

$1.06 PKR 294

$2.24 Rp 40.2K

-52.68%

Tomato (1kg)

$0.52 PKR 144

$1.93 Rp 34.7K

-73.06%

Potato (1kg)

$0.29 PKR 81.2

$1.88 Rp 33.9K

-84.57%

Onion (1kg)

$0.35 PKR 97.9

$2.29 Rp 41.3K

-84.72%

Lettuce (1 head)

$0.28 PKR 77.0

$0.99 Rp 17.9K

-71.72%

Water (1.5 liter bottle)

$0.39 PKR 109

$0.53 Rp 9,475

-26.42%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.79 PKR 497

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.20 PKR 333

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.33 PKR 646

Cigarettes 20 Pack (Marlboro, Camel)

$2.37 PKR 656

$2.28 Rp 41.1K

3.95%

Wine (Bottle)

$23.01 Rp 414.2K

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

One-way Ticket (Public Transport)

$0.18 PKR 49.49

$0.24 Rp 4,315

-25.00%

Public Transport Monthly Pass (Regular Price)

$9.78 PKR 2,707

$8.82 Rp 158.7K

10.88%

Taxi Start (Normal Tariff)

$1.23 PKR 342

$0.48 Rp 8,684

156.25%

Taxi (Normal Tariff) (1km)

$0.74 PKR 205

$0.46 Rp 8,233

60.87%

Taxi 1hour Waiting (Normal Tariff)

$1.65 PKR 456

$5.45 Rp 98.2K

-69.72%

Gasoline (1 liter)

$1.33 PKR 369

$0.88 Rp 15.9K

51.14%

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

$21.6K PKR 6.0M

$24.6K Rp 442.2M

-12.16%

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

$24.0K PKR 6.6M

$31.2K Rp 561.4M

-23.02%

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

$104 PKR 28.8K

$83.0 Rp 1.5M

25.15%

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

$6.08 PKR 1,682

$6.45 Rp 116.0K

-5.74%

Internet (50+ Mbps, Unlimited Data)

$17.31 PKR 4,791

$18.57 Rp 334.2K

-6.79%

Gym Membership (Monthly)

$13.38 PKR 3,704

$55.8 Rp 1.0M

-76.03%

Tennis Court (1 Hour on Weekend)

$9.00 PKR 2,491

$18.11 Rp 326.0K

-50.30%

Cinema Ticket

$4.23 PKR 1,171

$4.38 Rp 78.9K

-3.42%

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

$74.5 PKR 20.6K

$493 Rp 8.9M

-84.89%

International Primary School, 1 Child (Yearly)

$1,031 PKR 285.4K

$5,754 Rp 103.6M

-82.08%

Jeans (Levis 501 Or Similar)

$26.58 PKR 7,356

$46.19 Rp 831.4K

-42.46%

Summer Dress (H&M, Zara, etc)

$34.97 PKR 9,679

$35.33 Rp 636.0K

-1.02%

Sport Shoes (Adidas, Nike)

$97.9 PKR 27.1K

$79.1 Rp 1.4M

23.83%

Men's Leather Business Shoes

$41.24 PKR 11.4K

$78.4 Rp 1.4M

-47.39%

1-bedroom Apartment, City Center (Monthly)

$131 PKR 36.2K

$1,142 Rp 20.6M

-88.55%

1-bedroom Apartment, Outside City Center (Monthly)

$85.5 PKR 23.7K

$676 Rp 12.2M

-87.35%

3-bedroom Apartment, City Center (Monthly)

$240 PKR 66.4K

$3,503 Rp 63.1M

-93.16%

3-bedroom Apartment, Outside City Center (Monthly)

$127 PKR 35.1K

$1,700 Rp 30.6M

-92.53%

Buy Apartment in City Center (m2)

$949 PKR 262.7K

$2,784 Rp 50.1M

-65.91%

Buy Apartment Outside City Center (m2)

$514 PKR 142.4K

$2,241 Rp 40.3M

-77.04%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.08

13.78

-5.08%

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

Last update for Swabi: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Monthly Utilities & Internet

Swabi

$127 24.4%

Ubud, Bali

$108 7.9% 15.1% $19

Groceries & Markets

Swabi

$103 19.7%

Ubud, Bali

$290 21.2% 182% $187

Clothing & Footwear

Swabi

$90 17.3%

Ubud, Bali

$108 7.9% 19.1% $17

Accommodation & Living

Swabi

$85 16.4%

Ubud, Bali

$676 49.4% 690% $590

Eating Out

Swabi

$79 15.1%

Ubud, Bali

$109 8% 37.7% $30

Sport & Entertainment

Swabi

$22 4.2%

Ubud, Bali

$65 4.7% 196% $43

Getting Around

Swabi

$15 3%

Ubud, Bali

$13 0.9% 18.7% $2.9

Cost Breakdown

A central one-bedroom costs $131 in Swabi versus $1,142 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $23.00 in Swabi versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $103 vs $290 – making Swabi the more affordable choice for daily food spending.

Good to know

🇵🇰 Swabi

🇮🇩 Ubud, Bali

🕒 Local time

14:30 2:30 PM

17:30 5:30 PM

3 h ahead of Swabi

🌤 Weather

👥 Population

123,412

74,800

💱 Currency

Pakistani Rupee PKR ₨

Indonesian Rupiah IDR Rp

📈 Exchange rate

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to PKR – Pakistani Rupee Converter

🇺🇸 United States Dollar ($)

🇵🇰 Pakistani Rupee (₨)

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to PKR in detail →

On the map

Lowest

Highest

Between locations

Swabi Ubud, Bali 6,540 km ≈ 9 h nonstop flight

From you

Swabi
Ubud, Bali

Distances are measured in a straight line. Your location is detected approximately.

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

Swabi vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 162% more than Swabi, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $784 per month in Swabi and $2,051 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Swabi, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $74.5 per month in Swabi and $493 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 182% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Swabi, where all-in costs run around $522, than in Ubud, Bali at $1,368. In Swabi it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Swabi costs $522 versus $1,368 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Swabi. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.