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: $431 in Swat versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $641 in Swat versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $852 in Swat versus $3,732 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 7% above.

Meal at Budget Restaurant

$2.80 PKR 782

$3.57 Rp 61.6K

-21.57%

Three-Course Dinner for Two, Mid-Range

$14.08 PKR 3,930

$32.58 Rp 562.6K

-56.78%

Fast Food Meal (McDonalds, etc)

$5.16 PKR 1,440

$5.07 Rp 87.5K

1.78%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.81 PKR 505

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.93 PKR 1,098

Cappuccino

$2.06 PKR 574

$2.83 Rp 48.8K

-27.21%

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

$0.42 PKR 118

$1.34 Rp 23.1K

-68.66%

Water (0.33 liter bottle)

$0.24 PKR 67.4

$0.69 Rp 12.0K

-65.22%

Local Beer (0.5 liter draught)

$2.99 Rp 51.6K

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.4K

Milk (1 liter)

$0.68 PKR 189

$1.74 Rp 30.1K

-60.92%

White Bread (500g)

$0.67 PKR 187

$2.54 Rp 43.8K

-73.62%

Rice (white) (1kg)

$1.23 PKR 345

$1.19 Rp 20.6K

3.36%

Eggs

$1.26 PKR 351

$2.43 Rp 41.9K

-48.15%

Local Cheese (1kg)

$6.25 PKR 1,743

$14.66 Rp 253.2K

-57.37%

Chicken Fillets (1kg)

$1.36 PKR 381

$4.18 Rp 72.1K

-67.46%

Beef Round Steak (1kg)

$1.43 PKR 399

$11.94 Rp 206.1K

-88.02%

Apples (1kg)

$0.86 PKR 240

$3.69 Rp 63.6K

-76.69%

Banana (1kg)

$0.36 PKR 102

$1.61 Rp 27.7K

-77.64%

Oranges (1kg)

$0.51 PKR 142

$2.69 Rp 46.4K

-81.04%

Tomato (1kg)

$0.41 PKR 114

$2.33 Rp 40.2K

-82.40%

Potato (1kg)

$0.39 PKR 108

$1.91 Rp 32.9K

-79.58%

Onion (1kg)

$0.51 PKR 142

$2.19 Rp 37.7K

-76.71%

Lettuce (1 head)

$0.31 PKR 85.8

$1.06 Rp 18.3K

-70.75%

Water (1.5 liter bottle)

$0.41 PKR 114

$0.72 Rp 12.5K

-43.06%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.44 PKR 402

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.87 PKR 244

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.02 PKR 564

Cigarettes 20 Pack (Marlboro, Camel)

$2.13 PKR 595

$3.13 Rp 54.1K

-31.95%

Wine (Bottle)

$23.49 Rp 405.6K

Local Beer (0.5 liter bottle)

$2.74 Rp 47.3K

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.7K

One-way Ticket (Public Transport)

$0.19 PKR 53.5

$0.29 Rp 5,010

-34.48%

Public Transport Monthly Pass (Regular Price)

$7.13 PKR 1,991

$8.17 Rp 141.0K

-12.73%

Taxi Start (Normal Tariff)

$0.36 PKR 101

$0.45 Rp 7,834

-20.00%

Taxi (Normal Tariff) (1km)

$0.43 PKR 121

$0.42 Rp 7,278

2.38%

Taxi 1hour Waiting (Normal Tariff)

$2.89 PKR 808

$6.16 Rp 106.3K

-53.08%

Gasoline (1 liter)

$0.91 PKR 255

$0.84 Rp 14.5K

8.33%

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

$20.8K PKR 5.8M

$26.2K Rp 453.1M

-20.69%

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

$25.8K PKR 7.2M

$32.5K Rp 560.8M

-20.57%

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

$112 PKR 31.3K

$78.4 Rp 1.4M

42.85%

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

$5.43 PKR 1,514

$3.95 Rp 68.2K

37.47%

Internet (50+ Mbps, Unlimited Data)

$12.52 PKR 3,494

$24.40 Rp 421.4K

-48.69%

Gym Membership (Monthly)

$6.12 PKR 1,708

$96.5 Rp 1.7M

-93.66%

Tennis Court (1 Hour on Weekend)

$5.99 PKR 1,672

$6.35 Rp 109.6K

-5.67%

Cinema Ticket

$4.30 PKR 1,200

$4.04 Rp 69.7K

6.44%

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

$19.32 PKR 5,392

$303 Rp 5.2M

-93.62%

International Primary School, 1 Child (Yearly)

$1,104 PKR 308.2K

$6,523 Rp 112.6M

-83.07%

Jeans (Levis 501 Or Similar)

$21.69 PKR 6,053

$53.8 Rp 929.5K

-59.71%

Summer Dress (H&M, Zara, etc)

$28.29 PKR 7,898

$37.98 Rp 655.8K

-25.51%

Sport Shoes (Adidas, Nike)

$88.5 PKR 24.7K

$86.8 Rp 1.5M

2.01%

Men's Leather Business Shoes

$40.89 PKR 11.4K

$78.9 Rp 1.4M

-48.15%

1-bedroom Apartment, City Center (Monthly)

$75.7 PKR 21.1K

$1,012 Rp 17.5M

-92.52%

1-bedroom Apartment, Outside City Center (Monthly)

$52.1 PKR 14.6K

$674 Rp 11.6M

-92.27%

3-bedroom Apartment, City Center (Monthly)

$168 PKR 46.9K

$3,390 Rp 58.5M

-95.04%

3-bedroom Apartment, Outside City Center (Monthly)

$106 PKR 29.6K

$2,098 Rp 36.2M

-94.95%

Buy Apartment in City Center (m2)

$833 PKR 232.4K

$2,985 Rp 51.5M

-72.11%

Buy Apartment Outside City Center (m2)

$572 PKR 159.6K

$2,339 Rp 40.4M

-75.56%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

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: April 26, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $75.7 in Swat and $1,012 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 $72.0 vs $298 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 234% 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 $647 in Swat and $2,158 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: $75.7 in Swat versus $1,012 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 15% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $19.32 in Swat versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $431 in Swat versus $1,438 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 $431 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 234% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.