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

Monthly Cost of Living

A single person spends $1,368 per month in Ubud, Bali vs $3,282 in Lugano, rent included.

A couple spends around $2,348 per month in Ubud, Bali vs $5,357 in Lugano, rent included.

A family of three spends $3,327 per month in Ubud, Bali vs $7,432 in Lugano, rent included.

Ubud, Bali is about 58% cheaper than Lugano, driven mainly by Eating Out.

Both Ubud, Bali and Lugano sit above the global median – Ubud, Bali by 0%, Lugano by 140%.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$34.22 CHF 28.25

-89.95%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$179 CHF 148

-79.74%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$20.55 CHF 16.96

-72.21%

Cappuccino

$2.67 Rp 47.3K

$4.60 CHF 3.80

-41.96%

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

$1.75 Rp 31.0K

$5.11 CHF 4.21

-65.75%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$3.92 CHF 3.24

-77.81%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$9.94 CHF 8.20

-70.32%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$7.54 CHF 6.22

-40.05%

Milk (1 liter)

$1.62 Rp 28.7K

$2.24 CHF 1.85

-27.68%

White Bread (500g)

$2.33 Rp 41.3K

$3.60 CHF 2.97

-35.28%

Rice (white) (1kg)

$1.11 Rp 19.6K

$4.24 CHF 3.50

-73.82%

Eggs

$2.20 Rp 39.0K

$7.11 CHF 5.87

-69.06%

Local Cheese (1kg)

$17.69 Rp 313.3K

$26.15 CHF 21.58

-32.35%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$29.55 CHF 24.39

-86.13%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$40.25 CHF 33.22

-69.74%

Apples (1kg)

$3.71 Rp 65.6K

$3.30 CHF 2.73

12.42%

Banana (1kg)

$1.59 Rp 28.1K

$1.71 CHF 1.42

-7.02%

Oranges (1kg)

$2.28 Rp 40.4K

$2.60 CHF 2.15

-12.31%

Tomato (1kg)

$1.95 Rp 34.6K

$5.94 CHF 4.90

-67.17%

Potato (1kg)

$1.91 Rp 33.7K

$1.82 CHF 1.50

4.95%

Onion (1kg)

$2.33 Rp 41.3K

$2.12 CHF 1.75

9.91%

Lettuce (1 head)

$1.01 Rp 17.8K

$2.41 CHF 1.99

-58.09%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$1.12 CHF 0.92

-50.89%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$10.92 CHF 9.01

-79.58%

Wine (Bottle)

$23.07 Rp 408.6K

$12.42 CHF 10.25

85.75%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$2.83 CHF 2.34

-14.49%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$4.05 CHF 3.34

-25.93%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$3.16 CHF 2.60

-91.46%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

$79.1 CHF 65.3

-88.65%

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$7.43 CHF 6.14

-93.54%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$5.69 CHF 4.70

-92.44%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$78.3 CHF 64.6

-92.80%

Gasoline (1 liter)

$0.80 Rp 14.2K

$2.27 CHF 1.87

-64.76%

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

$24.9K Rp 441.7M

$35.0K CHF 28.8K

-28.63%

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

$31.7K Rp 561.5M

$39.8K CHF 32.9K

-20.41%

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

$81.5 Rp 1.4M

$289 CHF 239

-71.84%

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

$6.49 Rp 115.0K

$22.02 CHF 18.17

-70.53%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$49.42 CHF 40.79

-62.02%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$95.2 CHF 78.6

-40.26%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$37.36 CHF 30.83

-49.87%

Cinema Ticket

$4.54 Rp 80.4K

$20.23 CHF 16.70

-77.56%

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

$481 Rp 8.5M

$1,230 CHF 1,015

-60.91%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$34.5K CHF 28.5K

-83.44%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$165 CHF 136

-72.37%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$56.9 CHF 46.96

-36.94%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$199 CHF 164

-59.57%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$149 CHF 123

-47.27%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

$1,704 CHF 1,407

-34.60%

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

$1,319 CHF 1,088

-47.09%

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$3,493 CHF 2,883

4.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

$2,614 CHF 2,157

-33.53%

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

$17.7K CHF 14.6K

-84.23%

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

$11.3K CHF 9,299

-79.68%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$6,941 CHF 5,729

-97.58%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.37

481.43%

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

Last update for Ubud, Bali: September 14, 2026

Last update for Lugano: September 13, 2026

Cost Breakdown

A central one-bedroom costs $1,115 in Ubud, Bali versus $1,704 in Lugano. 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 4031% higher in Lugano, 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 $36.00 in Ubud, Bali versus $179 in Lugano. Monthly groceries follow the same trend: $295 vs $598 – 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 Lugano: Cost of Living - Frequently Asked Questions

Lugano costs about 140% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,052 per month in Ubud, Bali and $4,922 in Lugano. 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.

Monthly expenses with rent come to $1,368 in Ubud, Bali and $3,282 in Lugano. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 781% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Lugano at $3,282. In Ubud, Bali it covers expenses comfortably, while in Lugano it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,368 versus $3,282 in Lugano. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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, Lugano makes more sense. Both are solid long-term options with distinct trade-offs.