Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Lucerne

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $3,691 in Lucerne, rent and utilities included – about $27,900 less a year. Rent and utilities account for about half of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
179

Cost of Living Index in Lucerne
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Lucerne Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Lucerne

🇨🇭 Switzerland

$3,691

/mo nomad

Monthly Cost of Living

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

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 Lucerne actually costs, broken down by who's living it.

A single person spends $1,368 per month in Ubud, Bali vs $3,691 in Lucerne, rent included.

Ubud, Bali $1,368
Lucerne $3,691

A couple spends around $2,314 per month in Ubud, Bali vs $5,483 in Lucerne, rent included.

Ubud, Bali $2,314
Lucerne $5,483

A family of three spends $3,260 per month in Ubud, Bali vs $7,275 in Lucerne, rent included.

Ubud, Bali $3,260
Lucerne $7,275

Ubud, Bali is about 63% cheaper than Lucerne, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Lucerne sit above the global median – Ubud, Bali by 1%, Lucerne by 173%.

Meal at Budget Restaurant

$3.33 Rp 59.8K

$32.88 CHF 27.08

-89.87%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 631.2K

$120 CHF 99.0

-70.74%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.1K

$15.95 CHF 13.14

-63.64%

Cappuccino

$2.73 Rp 49.0K

$6.21 CHF 5.12

-56.04%

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

$1.64 Rp 29.4K

$5.56 CHF 4.58

-70.50%

Water (0.33 liter bottle)

$0.83 Rp 14.9K

$5.01 CHF 4.13

-83.43%

Local Beer (0.5 liter draught)

$2.70 Rp 48.4K

$8.62 CHF 7.10

-68.68%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.1K

$9.51 CHF 7.83

-54.78%

Milk (1 liter)

$1.50 Rp 27.0K

$2.11 CHF 1.74

-28.91%

White Bread (500g)

$2.30 Rp 41.2K

$3.27 CHF 2.69

-29.66%

Rice (white) (1kg)

$1.18 Rp 21.1K

$4.27 CHF 3.52

-72.37%

Eggs

$2.14 Rp 38.5K

$7.45 CHF 6.14

-71.28%

Local Cheese (1kg)

$17.48 Rp 313.6K

$26.87 CHF 22.13

-34.95%

Chicken Fillets (1kg)

$4.03 Rp 72.3K

$25.43 CHF 20.95

-84.15%

Beef Round Steak (1kg)

$12.23 Rp 219.4K

$39.77 CHF 32.76

-69.25%

Apples (1kg)

$3.55 Rp 63.7K

$3.51 CHF 2.89

1.14%

Banana (1kg)

$1.57 Rp 28.2K

$2.01 CHF 1.65

-21.89%

Oranges (1kg)

$2.24 Rp 40.1K

$2.69 CHF 2.21

-16.73%

Tomato (1kg)

$1.93 Rp 34.6K

$4.66 CHF 3.84

-58.58%

Potato (1kg)

$1.88 Rp 33.8K

$1.96 CHF 1.61

-4.08%

Onion (1kg)

$2.29 Rp 41.1K

$2.19 CHF 1.81

4.57%

Lettuce (1 head)

$0.99 Rp 17.8K

$2.39 CHF 1.97

-58.58%

Water (1.5 liter bottle)

$0.53 Rp 9,445

$1.35 CHF 1.11

-60.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.0K

$10.96 CHF 9.03

-79.20%

Wine (Bottle)

$23.01 Rp 412.9K

$13.33 CHF 10.98

72.62%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.0K

$2.27 CHF 1.87

3.08%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.2K

$3.42 CHF 2.82

-14.91%

One-way Ticket (Public Transport)

$0.24 Rp 4,301

$4.79 CHF 3.94

-94.99%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.2K

$98.7 CHF 81.3

-91.07%

Taxi Start (Normal Tariff)

$0.48 Rp 8,657

$7.74 CHF 6.37

-93.80%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,207

$4.71 CHF 3.88

-90.23%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.9K

$84.8 CHF 69.8

-93.57%

Gasoline (1 liter)

$0.88 Rp 15.9K

$2.20 CHF 1.81

-60.00%

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

$24.6K Rp 440.8M

$42.7K CHF 35.2K

-42.49%

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

$31.2K Rp 559.6M

$39.3K CHF 32.3K

-20.57%

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

$83.0 Rp 1.5M

$228 CHF 188

-63.66%

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

$6.45 Rp 115.7K

$32.03 CHF 26.38

-79.86%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 333.1K

$64.0 CHF 52.7

-70.99%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$108 CHF 88.9

-48.27%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 324.9K

$45.18 CHF 37.21

-59.92%

Cinema Ticket

$4.38 Rp 78.6K

$21.17 CHF 17.44

-79.31%

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

$493 Rp 8.8M

$2,781 CHF 2,291

-82.27%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.2M

$43.1K CHF 35.5K

-86.66%

Jeans (Levis 501 Or Similar)

$46.19 Rp 828.8K

$135 CHF 111

-65.87%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 634.0K

$85.5 CHF 70.4

-58.65%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$146 CHF 120

-45.66%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$169 CHF 139

-53.61%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.5M

$2,081 CHF 1,714

-45.09%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.1M

$1,764 CHF 1,453

-61.70%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 62.9M

$3,298 CHF 2,716

6.21%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.5M

$2,778 CHF 2,288

-38.81%

Buy Apartment in City Center (m2)

$2,784 Rp 50.0M

$21.1K CHF 17.3K

-86.78%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.2M

$12.1K CHF 10.0K

-81.55%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$6,385 CHF 5,259

-97.42%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

1.72

701.16%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Lucerne: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Lucerne

$1.8K 47.8% 161% $1.1K

Groceries & Markets

Ubud, Bali

$290 21.2%

Lucerne

$572 15.5% 97.1% $282

Eating Out

Ubud, Bali

$109 8%

Lucerne

$490 13.3% 350% $381

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Lucerne

$324 8.8% 200% $216

Clothing & Footwear

Ubud, Bali

$108 7.9%

Lucerne

$241 6.5% 124% $133

Sport & Entertainment

Ubud, Bali

$65 4.7%

Lucerne

$150 4.1% 133% $86

Getting Around

Ubud, Bali

$13 0.9%

Lucerne

$149 4% 1089% $137

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $2,081 in Lucerne. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 3780% higher in Lucerne, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $120 in Lucerne. Monthly groceries follow the same trend: $290 vs $572 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇨🇭 Lucerne

🕒 Local time

18:32 6:32 PM

12:32 12:32 PM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

81,284

💱 Currency

Indonesian Rupiah IDR Rp

Swiss Franc CHF Fr

📈 Exchange rate

100,000 IDR = 5.57 USD

100,000 IDR = 4.96 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 17, 2026: 1 USD = 17,943 IDR (100,000 IDR = 5.57 USD). 1 EUR = 20,174 IDR (100,000 IDR = 4.96 EUR).

Swiss Franc exchange rates as of October 17, 2026: 1 USD = 0.824 CHF (1 CHF = 1.21 USD). 1 EUR = 0.926 CHF (1 CHF = 1.08 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Lucerne 11,980 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Lucerne

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 Lucerne: Cost of Living - Frequently Asked Questions

Yes – Lucerne is pricier by about 170%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,051 per month in Ubud, Bali and $5,537 in Lucerne. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 1019% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $493 per month in Ubud, Bali and $2,781 in Lucerne. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Lucerne at $3,691. In Ubud, Bali it covers expenses comfortably, while in Lucerne it requires careful planning or may not stretch far enough.

Families tend to lean toward Ubud, Bali – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Lucerne makes more sense. Both are solid long-term options with distinct trade-offs.