Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Lugano

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,345 in Lugano, rent and utilities included – about $24,000 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
162

Cost of Living Index in Lugano
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Lugano Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Lugano

🇨🇭 Switzerland

$3,345

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $3,345 in Lugano, rent included.

Ubud, Bali $1,349
Lugano $3,345

A couple spends around $2,305 per month in Ubud, Bali vs $5,484 in Lugano, rent included.

Ubud, Bali $2,305
Lugano $5,484

A family of three spends $3,261 per month in Ubud, Bali vs $7,624 in Lugano, rent included.

Ubud, Bali $3,261
Lugano $7,624

Ubud, Bali is about 60% cheaper than Lugano, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$35.07 CHF 28.93

-90.53%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$179 CHF 148

-80.13%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$19.20 CHF 15.84

-71.20%

Cappuccino

$2.72 Rp 49.3K

$4.74 CHF 3.91

-42.62%

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

$1.70 Rp 30.8K

$5.30 CHF 4.37

-67.92%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$4.26 CHF 3.52

-82.16%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$9.65 CHF 7.96

-72.54%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$7.34 CHF 6.05

-40.33%

Milk (1 liter)

$1.49 Rp 27.0K

$2.27 CHF 1.87

-34.36%

White Bread (500g)

$2.28 Rp 41.2K

$3.76 CHF 3.10

-39.36%

Rice (white) (1kg)

$1.19 Rp 21.6K

$4.16 CHF 3.43

-71.39%

Eggs

$2.04 Rp 36.9K

$7.31 CHF 6.03

-72.09%

Local Cheese (1kg)

$17.70 Rp 320.8K

$25.97 CHF 21.42

-31.84%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$28.73 CHF 23.70

-86.22%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$40.41 CHF 33.33

-69.83%

Apples (1kg)

$3.66 Rp 66.2K

$3.35 CHF 2.77

9.25%

Banana (1kg)

$1.52 Rp 27.5K

$1.70 CHF 1.41

-10.59%

Oranges (1kg)

$2.23 Rp 40.4K

$2.50 CHF 2.06

-10.80%

Tomato (1kg)

$1.97 Rp 35.7K

$6.52 CHF 5.38

-69.79%

Potato (1kg)

$1.85 Rp 33.5K

$1.86 CHF 1.53

-0.54%

Onion (1kg)

$2.42 Rp 43.9K

$2.12 CHF 1.75

14.15%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.49 CHF 2.05

-60.24%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$1.19 CHF 0.98

-57.14%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$11.01 CHF 9.08

-79.84%

Wine (Bottle)

$22.24 Rp 403.0K

$14.54 CHF 11.99

52.96%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.23 CHF 2.66

-30.03%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$4.14 CHF 3.42

-28.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$3.05 CHF 2.52

-91.80%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$62.8 CHF 51.8

-87.55%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$7.41 CHF 6.11

-94.06%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$5.40 CHF 4.46

-92.04%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$77.5 CHF 63.9

-93.02%

Gasoline (1 liter)

$0.82 Rp 14.9K

$2.25 CHF 1.85

-63.56%

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

$23.8K Rp 432.0M

$39.3K CHF 32.5K

-39.41%

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

$31.7K Rp 575.3M

$39.1K CHF 32.3K

-18.85%

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

$79.1 Rp 1.4M

$303 CHF 250

-73.87%

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

$6.45 Rp 116.8K

$24.90 CHF 20.54

-74.10%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$49.00 CHF 40.42

-62.08%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$73.7 CHF 60.8

-32.84%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$36.07 CHF 29.75

-51.07%

Cinema Ticket

$4.27 Rp 77.4K

$20.63 CHF 17.02

-79.30%

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

$491 Rp 8.9M

$3,192 CHF 2,633

-84.63%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$37.9K CHF 31.2K

-85.01%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$109 CHF 90.3

-59.20%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$48.85 CHF 40.30

-28.45%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$163 CHF 135

-51.12%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$171 CHF 141

-53.54%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,898 CHF 1,566

-40.74%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,420 CHF 1,171

-52.71%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$3,851 CHF 3,177

-7.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$2,906 CHF 2,397

-40.69%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$15.2K CHF 12.5K

-82.01%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$9,375 CHF 7,733

-75.64%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$6,543 CHF 5,397

-97.50%

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: October 25, 2026

Last update for Lugano: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Lugano

$1.4K 42.4% 111% $748

Groceries & Markets

Ubud, Bali

$288 21.4%

Lugano

$606 18.1% 110% $318

Eating Out

Ubud, Bali

$108 8%

Lugano

$496 14.8% 361% $389

Clothing & Footwear

Ubud, Bali

$108 8%

Lugano

$222 6.6% 106% $114

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Lugano

$377 11.3% 262% $272

Sport & Entertainment

Ubud, Bali

$58 4.3%

Lugano

$115 3.4% 98.1% $57

Getting Around

Ubud, Bali

$11 0.9%

Lugano

$109 3.3% 858% $98

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $1,898 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 in Lugano are about 40 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $36 in Ubud, Bali versus $179 in Lugano. Monthly groceries follow the same trend: $288 vs $606 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇨🇭 Lugano

🕒 Local time

06:24 6:24 AM

23:24 11:24 PM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

63,583

💱 Currency

Indonesian Rupiah IDR Rp

Swiss Franc CHF Fr

📈 Exchange rate

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

1 CHF = 1.21 USD

1 CHF = 1.09 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 November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

Swiss Franc exchange rates as of November 1, 2026: 1 USD = 0.825 CHF (1 CHF = 1.21 USD). 1 EUR = 0.921 CHF (1 CHF = 1.09 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Lugano 11,940 km ≈ 15 h nonstop flight

From you

Ubud, Bali
Lugano

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 Lugano: Cost of Living - Frequently Asked Questions

Lugano costs about 148% more than Ubud, Bali, and outside of rent the gap comes mainly from 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 $2,023 per month in Ubud, Bali and $5,017 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: a one-bedroom in the center costs $1,125 there versus $1,898 in Lugano.

Monthly expenses with rent come to $1,349 in Ubud, Bali and $3,345 in Lugano. That makes Ubud, Bali about 60% cheaper.

Public transport costs about 88% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $3,345 in Lugano. You’ll need shared housing and careful budgeting no matter which city you pick.

For digital nomads, it depends on budget. Ubud, Bali costs $1,349 versus $3,345 in Lugano. Both appeal to remote workers, and the cost gap matters when income varies month to month.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

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