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: $425 in Swat versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $643 in Swat versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $862 in Swat versus $3,694 in Ubud, Bali.

Living in Swat costs roughly 70% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Swat is 68% below, Ubud, Bali is 4% above.

Meal at Budget Restaurant

$2.75 PKR 766

$3.57 Rp 64.0K

-22.97%

Three-Course Dinner for Two, Mid-Range

$14.36 PKR 3,993

$32.50 Rp 582.3K

-55.82%

Fast Food Meal (McDonalds, etc)

$5.25 PKR 1,458

$4.86 Rp 87.1K

8.02%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.73 PKR 481

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.86 PKR 1,073

Cappuccino

$2.05 PKR 571

$2.75 Rp 49.2K

-25.45%

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

$0.43 PKR 120

$1.32 Rp 23.7K

-67.42%

Water (0.33 liter bottle)

$0.22 PKR 60.9

$0.70 Rp 12.6K

-68.57%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

Milk (1 liter)

$0.68 PKR 190

$1.71 Rp 30.6K

-60.23%

White Bread (500g)

$0.67 PKR 185

$2.47 Rp 44.3K

-72.87%

Rice (white) (1kg)

$1.23 PKR 341

$1.20 Rp 21.5K

2.50%

Eggs

$1.20 PKR 335

$2.44 Rp 43.8K

-50.82%

Local Cheese (1kg)

$6.02 PKR 1,674

$14.38 Rp 257.7K

-58.14%

Chicken Fillets (1kg)

$1.31 PKR 364

$4.31 Rp 77.1K

-69.61%

Beef Round Steak (1kg)

$1.37 PKR 382

$12.21 Rp 218.7K

-88.78%

Apples (1kg)

$0.90 PKR 251

$3.68 Rp 66.0K

-75.54%

Banana (1kg)

$0.36 PKR 100

$1.55 Rp 27.8K

-76.77%

Oranges (1kg)

$0.55 PKR 153

$2.79 Rp 49.9K

-80.29%

Tomato (1kg)

$0.40 PKR 111

$2.33 Rp 41.8K

-82.83%

Potato (1kg)

$0.41 PKR 115

$1.97 Rp 35.3K

-79.19%

Onion (1kg)

$0.55 PKR 152

$2.31 Rp 41.4K

-76.19%

Lettuce (1 head)

$0.33 PKR 91.8

$1.06 Rp 19.1K

-68.87%

Water (1.5 liter bottle)

$0.38 PKR 105

$0.73 Rp 13.1K

-47.95%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.41 PKR 392

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.92 PKR 257

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.03 PKR 566

Cigarettes 20 Pack (Marlboro, Camel)

$2.09 PKR 581

$3.28 Rp 58.8K

-36.28%

Wine (Bottle)

$22.79 Rp 408.4K

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

One-way Ticket (Public Transport)

$0.15 PKR 42.96

$0.29 Rp 5,217

-48.28%

Public Transport Monthly Pass (Regular Price)

$7.15 PKR 1,988

$8.06 Rp 144.4K

-11.29%

Taxi Start (Normal Tariff)

$0.37 PKR 102

$0.45 Rp 8,047

-17.78%

Taxi (Normal Tariff) (1km)

$0.44 PKR 122

$0.45 Rp 8,094

-2.22%

Taxi 1hour Waiting (Normal Tariff)

$2.81 PKR 782

$6.24 Rp 111.7K

-54.97%

Gasoline (1 liter)

$0.98 PKR 271

$0.85 Rp 15.2K

15.29%

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

$21.1K PKR 5.9M

$26.0K Rp 465.4M

-18.79%

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

$26.6K PKR 7.4M

$31.7K Rp 567.2M

-16.00%

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

$113 PKR 31.4K

$80.8 Rp 1.4M

39.72%

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

$5.36 PKR 1,490

$4.06 Rp 72.7K

32.02%

Internet (50+ Mbps, Unlimited Data)

$12.50 PKR 3,476

$24.42 Rp 437.6K

-48.81%

Gym Membership (Monthly)

$6.15 PKR 1,710

$97.7 Rp 1.7M

-93.70%

Tennis Court (1 Hour on Weekend)

$6.04 PKR 1,681

$6.45 Rp 115.5K

-6.36%

Cinema Ticket

$4.29 PKR 1,192

$4.04 Rp 72.4K

6.19%

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

$19.38 PKR 5,389

$304 Rp 5.4M

-93.63%

International Primary School, 1 Child (Yearly)

$1,120 PKR 311.4K

$6,621 Rp 118.6M

-83.08%

Jeans (Levis 501 Or Similar)

$21.60 PKR 6,006

$54.2 Rp 971.7K

-60.17%

Summer Dress (H&M, Zara, etc)

$28.19 PKR 7,838

$38.78 Rp 694.7K

-27.31%

Sport Shoes (Adidas, Nike)

$89.5 PKR 24.9K

$86.1 Rp 1.5M

3.85%

Men's Leather Business Shoes

$40.85 PKR 11.4K

$76.7 Rp 1.4M

-46.72%

1-bedroom Apartment, City Center (Monthly)

$75.1 PKR 20.9K

$986 Rp 17.7M

-92.38%

1-bedroom Apartment, Outside City Center (Monthly)

$51.9 PKR 14.4K

$658 Rp 11.8M

-92.11%

3-bedroom Apartment, City Center (Monthly)

$167 PKR 46.5K

$3,369 Rp 60.4M

-95.04%

3-bedroom Apartment, Outside City Center (Monthly)

$107 PKR 29.8K

$2,066 Rp 37.0M

-94.81%

Buy Apartment in City Center (m2)

$965 PKR 268.4K

$2,741 Rp 49.1M

-64.78%

Buy Apartment Outside City Center (m2)

$445 PKR 123.7K

$2,228 Rp 39.9M

-80.02%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

20.2

13.28

52.11%

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

Last update for Swat: June 8, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $75.1 in Swat and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $14.00 in Swat vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $71.0 vs $297 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 231% 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 $637 in Swat and $2,106 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: $75.1 in Swat versus $986 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 13% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $19.38 in Swat versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $425 in Swat versus $1,404 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 $425 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 231% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.