Last update: Oct 2026

Cost of Living Comparison Between Swakopmund and Ubud, Bali

For one person, living is cheaper in Swakopmund: $558 a month against $1,353 in Ubud, Bali, rent and utilities included – about $9,500 less a year. Rent and utilities account for most of the difference.

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

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Swakopmund

🇳🇦 Namibia

$558

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

How much you'll spend in Swakopmund 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 Swakopmund and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $558 in Swakopmund versus $1,353 in Ubud, Bali.

Swakopmund $558
Ubud, Bali $1,353

Estimated couple costs with rent: $1,034 in Swakopmund versus $2,297 in Ubud, Bali.

Swakopmund $1,034
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $1,510 in Swakopmund versus $3,241 in Ubud, Bali.

Swakopmund $1,510
Ubud, Bali $3,241

Living in Swakopmund costs roughly 59% less than in Ubud, Bali, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Swakopmund is 59% below, Ubud, Bali is 0% above.

Meal at Budget Restaurant

$5.35 NAD 88.2

$3.23 Rp 58.1K

65.63%

Three-Course Dinner for Two, Mid-Range

$33.92 NAD 559

$34.88 Rp 627.8K

-2.75%

Fast Food Meal (McDonalds, etc)

$3.51 NAD 57.8

$5.70 Rp 102.5K

-38.42%

Cappuccino

$1.68 NAD 27.68

$2.62 Rp 47.1K

-35.88%

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

$0.77 NAD 12.73

$1.72 Rp 31.0K

-55.23%

Water (0.33 liter bottle)

$0.57 NAD 9.47

$0.81 Rp 14.6K

-29.63%

Local Beer (0.5 liter draught)

$1.26 NAD 20.72

$2.65 Rp 47.7K

-52.45%

Imported Beer (0.33 liter bottle)

$1.61 NAD 26.46

$4.37 Rp 78.6K

-63.16%

Milk (1 liter)

$2.16 NAD 35.61

$1.57 Rp 28.3K

37.58%

White Bread (500g)

$1.34 NAD 22.15

$2.19 Rp 39.5K

-38.81%

Rice (white) (1kg)

$1.18 Rp 21.2K

Eggs

$2.21 NAD 36.47

$2.16 Rp 38.8K

2.31%

Local Cheese (1kg)

$7.48 NAD 123

$17.65 Rp 317.7K

-57.62%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

Beef Round Steak (1kg)

$11.95 Rp 215.1K

Apples (1kg)

$3.38 NAD 55.7

$3.60 Rp 64.8K

-6.11%

Banana (1kg)

$1.52 NAD 24.98

$1.59 Rp 28.6K

-4.40%

Oranges (1kg)

$2.31 Rp 41.6K

Tomato (1kg)

$1.98 NAD 32.54

$1.91 Rp 34.3K

3.66%

Potato (1kg)

$1.78 Rp 32.1K

Onion (1kg)

$2.33 Rp 41.9K

Lettuce (1 head)

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.53 Rp 9,509

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

Wine (Bottle)

$7.71 NAD 127

$22.07 Rp 397.3K

-65.07%

Local Beer (0.5 liter bottle)

$0.59 NAD 9.80

$2.35 Rp 42.2K

-74.89%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$29.22 NAD 482

$8.90 Rp 160.2K

228.31%

Taxi Start (Normal Tariff)

$0.78 NAD 12.91

$0.47 Rp 8,466

65.96%

Taxi (Normal Tariff) (1km)

$0.90 NAD 14.88

$0.43 Rp 7,737

109.30%

Taxi 1hour Waiting (Normal Tariff)

$7.18 NAD 118

$5.47 Rp 98.4K

31.26%

Gasoline (1 liter)

$1.23 NAD 20.24

$0.83 Rp 14.9K

48.19%

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

$23.9K Rp 429.8M

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

$32.8K Rp 590.1M

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

$52.1 NAD 859

$80.0 Rp 1.4M

-34.82%

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

$6.56 Rp 118.1K

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

Gym Membership (Monthly)

$54.1 Rp 974.1K

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

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

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

Men's Leather Business Shoes

$69.1 NAD 1,138

$78.5 Rp 1.4M

-12.05%

1-bedroom Apartment, City Center (Monthly)

$404 NAD 6,654

$1,131 Rp 20.4M

-64.31%

1-bedroom Apartment, Outside City Center (Monthly)

$232 NAD 3,816

$673 Rp 12.1M

-65.58%

3-bedroom Apartment, City Center (Monthly)

$841 NAD 13.8K

$3,613 Rp 65.0M

-76.73%

3-bedroom Apartment, Outside City Center (Monthly)

$690 NAD 11.4K

$1,702 Rp 30.6M

-59.45%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Swakopmund: October 19, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Swakopmund

–

Ubud, Bali

$673 49.7%

Groceries & Markets

Swakopmund

–

Ubud, Bali

$287 21.2%

Clothing & Footwear

Swakopmund

–

Ubud, Bali

$107 7.9%

Eating Out

Swakopmund

–

Ubud, Bali

$106 7.9%

Monthly Utilities & Internet

Swakopmund

–

Ubud, Bali

$105 7.8%

Sport & Entertainment

Swakopmund

–

Ubud, Bali

$63 4.6%

Getting Around

Swakopmund

–

Ubud, Bali

$12 0.9%

Cost Breakdown

A one-bedroom apartment in the center runs $404 in Swakopmund and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $34.00 in Swakopmund vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $121 vs $287 per month, with Swakopmund cheaper across the board.

Good to know

🇳🇦 Swakopmund

🇮🇩 Ubud, Bali

🕒 Local time

00:22 12:22 AM

06:22 6:22 AM

6 h ahead of Swakopmund

🌤 Weather

👥 Population

25,000

74,800

💱 Currency

Namibian Dollar NAD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

100 NAD = 6.07 USD

100 NAD = 5.4 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NAD – Namibian Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇦 Namibian Dollar ($)

Namibian Dollar exchange rates as of October 23, 2026: 1 USD = 16.48 NAD (100 NAD = 6.07 USD). 1 EUR = 18.52 NAD (100 NAD = 5.4 EUR).

Indonesian Rupiah exchange rates as of October 23, 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 NAD in detail →

On the map

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Highest

Between locations

Swakopmund Ubud, Bali 10,730 km ≈ 14 h nonstop flight

From you

Swakopmund
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

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

Swakopmund is cheaper overall, especially in groceries, eating out, and clothing. The 142% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $838 in Swakopmund and $2,030 in Ubud, Bali to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $404 in Swakopmund versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Swakopmund – a meal for two runs $34.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

A monthly transit pass in Swakopmund runs roughly 228% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $558 in Swakopmund versus $1,353 in Ubud, Bali, a $1,500 budget is realistic in Swakopmund but tight or insufficient in Ubud, Bali. The gap between the two cities makes Swakopmund the clear choice for anyone on this budget.

For families, Swakopmund is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Swakopmund 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 Swakopmund gentler on the wallet – expenses run 142% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.