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: $468 in Swat versus $1,348 in Ubud, Bali.

Estimated couple costs with rent: $726 in Swat versus $2,312 in Ubud, Bali.

Monthly costs for a family of three with rent: $984 in Swat versus $3,276 in Ubud, Bali.

Living in Swat costs roughly 65% less than in Ubud, Bali, driven mainly by Groceries & Markets.

The two cities straddle the global median: Swat is 65% below, Ubud, Bali is 1% above.

Meal at Budget Restaurant

$3.67 PKR 1,015

$3.33 Rp 59.7K

10.21%

Three-Course Dinner for Two, Mid-Range

$23.36 PKR 6,465

$35.42 Rp 634.2K

-34.05%

Fast Food Meal (McDonalds, etc)

$3.60 PKR 995

$5.76 Rp 103.1K

-37.50%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.56 PKR 986

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.05 PKR 1,951

Cappuccino

$2.62 PKR 726

$2.63 Rp 47.1K

-0.38%

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

$0.32 PKR 89.7

$1.74 Rp 31.1K

-81.61%

Water (0.33 liter bottle)

$0.21 PKR 58.0

$0.77 Rp 13.8K

-72.73%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.9K

Milk (1 liter)

$0.98 PKR 270

$1.53 Rp 27.5K

-35.95%

White Bread (500g)

$0.42 PKR 116

$2.20 Rp 39.3K

-80.91%

Rice (white) (1kg)

$1.30 PKR 359

$1.22 Rp 21.8K

6.56%

Eggs

$1.26 PKR 349

$2.14 Rp 38.3K

-41.12%

Local Cheese (1kg)

$5.97 PKR 1,653

$17.73 Rp 317.5K

-66.33%

Chicken Fillets (1kg)

$3.28 PKR 907

$3.86 Rp 69.0K

-15.03%

Beef Round Steak (1kg)

$5.48 PKR 1,516

$12.03 Rp 215.3K

-54.45%

Apples (1kg)

$1.29 PKR 358

$3.61 Rp 64.6K

-64.27%

Banana (1kg)

$0.81 PKR 223

$1.51 Rp 27.1K

-46.36%

Oranges (1kg)

$1.04 PKR 288

$2.32 Rp 41.5K

-55.17%

Tomato (1kg)

$0.55 PKR 153

$2.00 Rp 35.9K

-72.50%

Potato (1kg)

$0.28 PKR 77.6

$1.81 Rp 32.4K

-84.53%

Onion (1kg)

$0.38 PKR 106

$2.39 Rp 42.7K

-84.10%

Lettuce (1 head)

$0.28 PKR 76.9

$0.99 Rp 17.8K

-71.72%

Water (1.5 liter bottle)

$0.38 PKR 106

$0.52 Rp 9,389

-26.92%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.80 PKR 499

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.23 PKR 341

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.32 PKR 643

Cigarettes 20 Pack (Marlboro, Camel)

$2.35 PKR 649

$2.18 Rp 39.1K

7.80%

Wine (Bottle)

$22.98 Rp 411.4K

Local Beer (0.5 liter bottle)

$2.40 Rp 42.9K

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.7K

One-way Ticket (Public Transport)

$0.18 PKR 48.66

$0.24 Rp 4,262

-25.00%

Public Transport Monthly Pass (Regular Price)

$10.79 PKR 2,986

$6.99 Rp 125.2K

54.36%

Taxi Start (Normal Tariff)

$1.28 PKR 355

$0.44 Rp 7,889

190.91%

Taxi (Normal Tariff) (1km)

$0.71 PKR 196

$0.42 Rp 7,595

69.05%

Taxi 1hour Waiting (Normal Tariff)

$1.64 PKR 454

$5.45 Rp 97.6K

-69.91%

Gasoline (1 liter)

$1.32 PKR 365

$0.84 Rp 15.1K

57.14%

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

$21.8K PKR 6.0M

$24.3K Rp 435.6M

-10.35%

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

$24.1K PKR 6.7M

$31.9K Rp 571.0M

-24.54%

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

$104 PKR 28.7K

$80.8 Rp 1.4M

28.42%

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

$5.28 PKR 1,462

$6.58 Rp 117.8K

-19.76%

Internet (50+ Mbps, Unlimited Data)

$16.25 PKR 4,498

$18.24 Rp 326.6K

-10.91%

Gym Membership (Monthly)

$14.86 PKR 4,113

$55.1 Rp 987.1K

-73.05%

Tennis Court (1 Hour on Weekend)

$8.50 PKR 2,352

$18.51 Rp 331.5K

-54.08%

Cinema Ticket

$4.25 PKR 1,176

$4.24 Rp 76.0K

0.24%

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

$43.27 PKR 12.0K

$486 Rp 8.7M

-91.09%

International Primary School, 1 Child (Yearly)

$1,057 PKR 292.6K

$5,676 Rp 101.6M

-81.38%

Jeans (Levis 501 Or Similar)

$24.78 PKR 6,859

$45.18 Rp 809.0K

-45.15%

Summer Dress (H&M, Zara, etc)

$34.29 PKR 9,491

$34.57 Rp 619.0K

-0.81%

Sport Shoes (Adidas, Nike)

$25.41 PKR 7,032

$79.2 Rp 1.4M

-67.90%

Men's Leather Business Shoes

$40.40 PKR 11.2K

$77.6 Rp 1.4M

-47.95%

1-bedroom Apartment, City Center (Monthly)

$124 PKR 34.3K

$1,127 Rp 20.2M

-89.00%

1-bedroom Apartment, Outside City Center (Monthly)

$76.6 PKR 21.2K

$674 Rp 12.1M

-88.64%

3-bedroom Apartment, City Center (Monthly)

$274 PKR 75.9K

$3,618 Rp 64.8M

-92.42%

3-bedroom Apartment, Outside City Center (Monthly)

$170 PKR 47.1K

$1,735 Rp 31.1M

-90.20%

Buy Apartment in City Center (m2)

$911 PKR 252.3K

$2,829 Rp 50.7M

-67.78%

Buy Apartment Outside City Center (m2)

$540 PKR 149.5K

$2,307 Rp 41.3M

-76.58%

Average Monthly Net Salary (After Tax)

$166 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: October 3, 2026

Last update for Ubud, Bali: October 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $124 in Swat and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $23.00 in Swat vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $100 vs $290 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 188% 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 $702 in Swat and $2,022 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: $124 in Swat versus $1,127 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 54% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $43.27 in Swat versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $468 in Swat versus $1,348 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 $468 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 188% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.