Cost of Living Comparison Between Ubud, Bali and Lucerne Cost of Living Comparison Between Ubud, Bali and Lucerne

Monthly Cost of Living

A single person spends $1,419 per month in Ubud, Bali vs $3,854 in Lucerne, rent included.

A couple spends around $2,540 per month in Ubud, Bali vs $5,941 in Lucerne, rent included.

A family of three spends $3,660 per month in Ubud, Bali vs $8,028 in Lucerne, rent included.

Ubud, Bali is about 63% cheaper than Lucerne, driven mainly by Eating Out.

Both Ubud, Bali and Lucerne sit above the global median – Ubud, Bali by 6%, Lucerne by 188%.

Meal at Budget Restaurant

$3.56 Rp 63.7K

$36.59 CHF 28.84

-90.27%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 584.5K

$142 CHF 112

-76.91%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.4K

$15.91 CHF 12.55

-68.89%

Cappuccino

$2.71 Rp 48.4K

$6.72 CHF 5.30

-59.67%

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

$1.34 Rp 24.0K

$5.26 CHF 4.15

-74.52%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$4.41 CHF 3.47

-84.13%

Local Beer (0.5 liter draught)

$2.92 Rp 52.1K

$8.51 CHF 6.71

-65.69%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.7K

$7.43 CHF 5.86

-46.70%

Milk (1 liter)

$1.81 Rp 32.3K

$2.24 CHF 1.76

-19.20%

White Bread (500g)

$2.52 Rp 45.0K

$3.65 CHF 2.88

-30.96%

Rice (white) (1kg)

$1.16 Rp 20.7K

$4.05 CHF 3.19

-71.36%

Eggs

$2.46 Rp 43.9K

$7.80 CHF 6.15

-68.46%

Local Cheese (1kg)

$14.71 Rp 262.7K

$31.04 CHF 24.47

-52.61%

Chicken Fillets (1kg)

$4.32 Rp 77.1K

$35.06 CHF 27.64

-87.68%

Beef Round Steak (1kg)

$12.14 Rp 216.7K

$50.8 CHF 40.01

-76.08%

Apples (1kg)

$3.84 Rp 68.6K

$3.74 CHF 2.95

2.67%

Banana (1kg)

$1.56 Rp 27.8K

$2.23 CHF 1.76

-30.04%

Oranges (1kg)

$2.83 Rp 50.6K

$2.98 CHF 2.35

-5.03%

Tomato (1kg)

$2.33 Rp 41.5K

$6.51 CHF 5.13

-64.21%

Potato (1kg)

$1.91 Rp 34.2K

$2.37 CHF 1.87

-19.41%

Onion (1kg)

$2.20 Rp 39.3K

$2.50 CHF 1.97

-12.00%

Lettuce (1 head)

$1.01 Rp 18.1K

$2.55 CHF 2.01

-60.39%

Water (1.5 liter bottle)

$0.78 Rp 13.8K

$1.28 CHF 1.01

-39.06%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.2K

$10.97 CHF 8.65

-69.74%

Wine (Bottle)

$23.74 Rp 423.9K

$13.89 CHF 10.95

70.91%

Local Beer (0.5 liter bottle)

$2.79 Rp 49.8K

$2.40 CHF 1.89

16.25%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.1K

$3.37 CHF 2.65

-15.13%

One-way Ticket (Public Transport)

$0.27 Rp 4,800

$4.99 CHF 3.94

-94.59%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.4K

$98.6 CHF 77.7

-91.85%

Taxi Start (Normal Tariff)

$0.46 Rp 8,150

$8.04 CHF 6.34

-94.28%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,037

$4.56 CHF 3.59

-90.13%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 108.9K

$89.7 CHF 70.7

-93.20%

Gasoline (1 liter)

$0.79 Rp 14.2K

$2.13 CHF 1.68

-62.91%

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

$26.1K Rp 467.0M

$41.2K CHF 32.4K

-36.46%

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

$32.1K Rp 573.6M

$41.6K CHF 32.8K

-22.85%

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

$79.9 Rp 1.4M

$251 CHF 198

-68.20%

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

$4.06 Rp 72.6K

$73.1 CHF 57.6

-94.45%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 420.0K

$55.4 CHF 43.68

-57.55%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$93.0 CHF 73.3

6.14%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.4K

$43.86 CHF 34.58

-84.88%

Cinema Ticket

$4.15 Rp 74.1K

$22.03 CHF 17.37

-81.16%

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

$304 Rp 5.4M

$2,957 CHF 2,332

-89.72%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.1M

$43.1K CHF 34.0K

-84.66%

Jeans (Levis 501 Or Similar)

$55.5 Rp 991.8K

$136 CHF 107

-59.20%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 684.1K

$76.8 CHF 60.5

-50.09%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$131 CHF 103

-32.17%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$159 CHF 125

-50.88%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$2,052 CHF 1,618

-50.95%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$1,747 CHF 1,377

-61.34%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.5M

$2,982 CHF 2,351

15.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.4M

$2,865 CHF 2,259

-28.82%

Buy Apartment in City Center (m2)

$2,841 Rp 50.7M

$20.2K CHF 15.9K

-85.92%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.4M

$12.4K CHF 9,761

-81.71%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$6,979 CHF 5,502

-97.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

2.5

431.20%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Lucerne: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,006 in Ubud, Bali versus $2,052 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 4124% 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 $33.00 in Ubud, Bali versus $142 in Lucerne. Monthly groceries follow the same trend: $302 vs $688 – making Ubud, Bali the more affordable choice for daily food spending.

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 172%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,129 per month in Ubud, Bali and $5,782 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 1127% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $304 per month in Ubud, Bali and $2,957 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 $1,419, than in Lucerne at $3,854. 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.