Cost of Living Comparison Between Swat and Ubud, Bali Cost of Living Comparison Between Swat and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $438 in Swat versus $1,379 in Ubud, Bali.

Estimated couple costs with rent: $667 in Swat versus $2,363 in Ubud, Bali.

Monthly costs for a family of three with rent: $896 in Swat versus $3,347 in Ubud, Bali.

Living in Swat costs roughly 68% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Swat is 68% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$3.66 PKR 1,014

$3.31 Rp 58.9K

10.57%

Three-Course Dinner for Two, Mid-Range

$22.55 PKR 6,252

$39.08 Rp 694.5K

-42.30%

Fast Food Meal (McDonalds, etc)

$3.59 PKR 995

$5.62 Rp 99.8K

-36.12%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.51 PKR 973

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.79 PKR 1,883

Cappuccino

$2.39 PKR 664

$2.64 Rp 46.9K

-9.47%

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

$0.35 PKR 98.1

$1.58 Rp 28.2K

-77.85%

Water (0.33 liter bottle)

$0.22 PKR 60.8

$0.71 Rp 12.6K

-69.01%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

Milk (1 liter)

$0.98 PKR 272

$1.54 Rp 27.4K

-36.36%

White Bread (500g)

$0.41 PKR 114

$2.30 Rp 40.8K

-82.17%

Rice (white) (1kg)

$1.22 PKR 337

$1.03 Rp 18.3K

18.45%

Eggs

$1.21 PKR 335

$2.12 Rp 37.7K

-42.92%

Local Cheese (1kg)

$5.89 PKR 1,635

$17.30 Rp 307.5K

-65.95%

Chicken Fillets (1kg)

$1.41 PKR 390

$4.03 Rp 71.6K

-65.01%

Beef Round Steak (1kg)

$1.40 PKR 388

$12.42 Rp 220.8K

-88.73%

Apples (1kg)

$1.06 PKR 295

$3.70 Rp 65.7K

-71.35%

Banana (1kg)

$0.83 PKR 231

$1.62 Rp 28.7K

-48.77%

Oranges (1kg)

$0.56 PKR 155

$2.27 Rp 40.3K

-75.33%

Tomato (1kg)

$0.47 PKR 130

$1.99 Rp 35.4K

-76.38%

Potato (1kg)

$0.27 PKR 74.1

$1.83 Rp 32.5K

-85.25%

Onion (1kg)

$0.33 PKR 92.4

$2.25 Rp 40.1K

-85.33%

Lettuce (1 head)

$0.27 PKR 74.8

$1.04 Rp 18.6K

-74.04%

Water (1.5 liter bottle)

$0.41 PKR 113

$0.56 Rp 10.0K

-26.79%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.81 PKR 502

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.38 PKR 384

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.40 PKR 665

Cigarettes 20 Pack (Marlboro, Camel)

$2.41 PKR 668

$2.22 Rp 39.5K

8.56%

Wine (Bottle)

$23.22 Rp 412.7K

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

One-way Ticket (Public Transport)

$0.20 PKR 56.6

$0.25 Rp 4,416

-20.00%

Public Transport Monthly Pass (Regular Price)

$10.07 PKR 2,791

$7.17 Rp 127.4K

40.45%

Taxi Start (Normal Tariff)

$1.18 PKR 328

$0.46 Rp 8,163

156.52%

Taxi (Normal Tariff) (1km)

$0.75 PKR 208

$0.46 Rp 8,235

63.04%

Taxi 1hour Waiting (Normal Tariff)

$1.82 PKR 504

$5.70 Rp 101.2K

-68.07%

Gasoline (1 liter)

$1.02 PKR 283

$0.76 Rp 13.6K

34.21%

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

$21.4K PKR 5.9M

$24.6K Rp 436.7M

-12.89%

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

$24.5K PKR 6.8M

$31.0K Rp 551.5M

-20.96%

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

$102 PKR 28.4K

$82.2 Rp 1.5M

24.73%

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

$5.58 PKR 1,548

$6.33 Rp 112.5K

-11.85%

Internet (50+ Mbps, Unlimited Data)

$15.94 PKR 4,421

$18.54 Rp 329.6K

-14.02%

Gym Membership (Monthly)

$10.70 PKR 2,967

$56.1 Rp 996.2K

-80.91%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.94 PKR 1,369

$4.26 Rp 75.8K

15.96%

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

$43.22 PKR 12.0K

$489 Rp 8.7M

-91.17%

International Primary School, 1 Child (Yearly)

$1,001 PKR 277.7K

$5,793 Rp 103.0M

-82.71%

Jeans (Levis 501 Or Similar)

$23.80 PKR 6,600

$45.98 Rp 817.3K

-48.24%

Summer Dress (H&M, Zara, etc)

$32.53 PKR 9,020

$35.86 Rp 637.4K

-9.29%

Sport Shoes (Adidas, Nike)

$24.84 PKR 6,888

$79.5 Rp 1.4M

-68.76%

Men's Leather Business Shoes

$39.49 PKR 11.0K

$80.9 Rp 1.4M

-51.20%

1-bedroom Apartment, City Center (Monthly)

$121 PKR 33.6K

$1,144 Rp 20.3M

-89.40%

1-bedroom Apartment, Outside City Center (Monthly)

$72.6 PKR 20.1K

$692 Rp 12.3M

-89.50%

3-bedroom Apartment, City Center (Monthly)

$263 PKR 72.8K

$3,532 Rp 62.8M

-92.56%

3-bedroom Apartment, Outside City Center (Monthly)

$165 PKR 45.7K

$1,709 Rp 30.4M

-90.35%

Buy Apartment in City Center (m2)

$871 PKR 241.4K

$2,785 Rp 49.5M

-68.73%

Buy Apartment Outside City Center (m2)

$554 PKR 153.7K

$2,261 Rp 40.2M

-75.49%

Average Monthly Net Salary (After Tax)

$169 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 Swat: August 16, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $121 in Swat and $1,144 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $23.00 in Swat vs $39.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $75.0 vs $293 per month, with Swat 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

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

Swat wins on cost – living expenses run 215% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Swat the obvious pick if budget is a priority.

You'd need roughly $657 in Swat and $2,069 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: $121 in Swat versus $1,144 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Swat runs roughly 40% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $43.22 in Swat versus $489 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $438 in Swat versus $1,379 in Ubud, Bali, a $1,000 budget is realistic in Swat but tight or insufficient in Ubud, Bali. The gap between the two cities makes Swat the clear choice for anyone on this budget.

Both work as nomad bases, but Swat delivers better value – similar infrastructure at $438 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Swat hard to pass up.

Safety-wise, Swat 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 Swat gentler on the wallet – expenses run 215% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.