Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Cham

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,575 in Cham, rent and utilities included – about $26,700 less a year. Rent and utilities account for about half of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
172

Cost of Living Index in Cham
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Cham Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Cham

🇨🇭 Switzerland

$3,575

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Cham

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Ubud, Bali and in Cham actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $3,575 in Cham.

Ubud, Bali $1,349
Cham $3,575

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $5,453 in Cham.

Ubud, Bali $2,305
Cham $5,453

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $7,331 in Cham.

Ubud, Bali $3,261
Cham $7,331

Living in Ubud, Bali costs roughly 62% less than in Cham, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$29.74 CHF 24.67

-88.84%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$122 CHF 101

-70.71%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$17.93 CHF 14.87

-69.16%

Cappuccino

$2.72 Rp 49.4K

$5.82 CHF 4.83

-53.26%

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

$1.70 Rp 30.9K

$5.32 CHF 4.42

-68.05%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$4.87 CHF 4.04

-84.39%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$8.45 CHF 7.01

-68.64%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$6.53 CHF 5.42

-32.92%

Milk (1 liter)

$1.49 Rp 27.1K

$2.13 CHF 1.76

-30.05%

White Bread (500g)

$2.28 Rp 41.4K

$3.76 CHF 3.12

-39.36%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.62 CHF 3.00

-67.13%

Eggs

$2.04 Rp 37.0K

$7.27 CHF 6.03

-71.94%

Local Cheese (1kg)

$17.70 Rp 321.7K

$26.38 CHF 21.88

-32.90%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$28.65 CHF 23.77

-86.18%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$42.06 CHF 34.89

-71.02%

Apples (1kg)

$3.66 Rp 66.4K

$3.91 CHF 3.25

-6.39%

Banana (1kg)

$1.52 Rp 27.6K

$2.15 CHF 1.78

-29.30%

Oranges (1kg)

$2.23 Rp 40.5K

$3.10 CHF 2.57

-28.06%

Tomato (1kg)

$1.97 Rp 35.9K

$4.58 CHF 3.80

-56.99%

Potato (1kg)

$1.85 Rp 33.6K

$2.25 CHF 1.87

-17.78%

Onion (1kg)

$2.42 Rp 44.1K

$2.24 CHF 1.86

8.04%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.39 CHF 1.98

-58.58%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.11 CHF 0.92

-54.05%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$11.02 CHF 9.15

-79.85%

Wine (Bottle)

$22.24 Rp 404.2K

$12.08 CHF 10.02

84.11%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$2.82 CHF 2.34

-19.86%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$3.10 CHF 2.58

-4.19%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$5.13 CHF 4.26

-95.13%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$146 CHF 121

-94.65%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$4.44 CHF 3.69

-90.09%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$2.96 CHF 2.45

-85.47%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$59.7 CHF 49.49

-90.93%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.19 CHF 1.82

-62.56%

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

$23.8K Rp 433.3M

$39.7K CHF 32.9K

-39.91%

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

$31.7K Rp 577.0M

$39.9K CHF 33.1K

-20.45%

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

$79.1 Rp 1.4M

$286 CHF 237

-72.36%

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

$6.45 Rp 117.2K

$29.15 CHF 24.18

-77.87%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$54.8 CHF 45.49

-66.12%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$85.3 CHF 70.7

-41.96%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$40.01 CHF 33.19

-55.89%

Cinema Ticket

$4.27 Rp 77.7K

$22.10 CHF 18.34

-80.68%

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

$491 Rp 8.9M

$1,488 CHF 1,234

-67.03%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$24.7K CHF 20.5K

-77.03%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$137 CHF 114

-67.43%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$54.0 CHF 44.76

-35.22%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$157 CHF 130

-49.14%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$249 CHF 206

-68.04%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,780 CHF 1,477

-36.82%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,566 CHF 1,299

-57.13%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$2,896 CHF 2,402

23.09%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$2,704 CHF 2,243

-36.28%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$13.0K CHF 10.8K

-79.01%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$11.7K CHF 9,730

-80.53%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.03

578.82%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Cham: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Cham

$1.6K 43.8% 133% $895

Groceries & Markets

Ubud, Bali

$288 21.4%

Cham

$597 16.7% 107% $309

Eating Out

Ubud, Bali

$108 8%

Cham

$458 12.8% 325% $350

Clothing & Footwear

Ubud, Bali

$108 8%

Cham

$268 7.5% 150% $161

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Cham

$370 10.4% 256% $266

Sport & Entertainment

Ubud, Bali

$58 4.3%

Cham

$129 3.6% 123% $71

Getting Around

Ubud, Bali

$11 0.9%

Cham

$186 5.2% 1527% $174

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,780 in Cham. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $122 in Cham for a mid-range dinner for two. Groceries echo the gap at $288 vs $597 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇨🇭 Cham

🕒 Local time

04:22 4:22 AM

21:22 9:22 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

17,060

💱 Currency

Indonesian Rupiah IDR Rp

Swiss Franc CHF Fr

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 CHF = 1.21 USD

1 CHF = 1.08 EUR

Exchange rates and currency converter

CHF, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Swiss Franc exchange rates as of October 28, 2026: 1 USD = 0.83 CHF (1 CHF = 1.21 USD). 1 EUR = 0.924 CHF (1 CHF = 1.08 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Cham 11,970 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Cham

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

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

Ubud, Bali is about 62% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $5,362 in Cham 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: $1,125 in Ubud, Bali versus $1,780 in Cham. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $1,488 in Cham. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 107% higher in Cham. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Cham are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 62% less than in Cham. Beyond cost, consider language, visa policies, and how big the international community is in each city.