Cost of Living Comparison Between Ubud, Bali and St. Gallen Cost of Living Comparison Between Ubud, Bali and St. Gallen

Monthly Cost of Living

Monthly costs for one person with rent: $1,378 in Ubud, Bali versus $3,743 in St. Gallen.

Estimated couple costs with rent: $2,327 in Ubud, Bali versus $5,379 in St. Gallen.

Monthly costs for a family of three with rent: $3,275 in Ubud, Bali versus $7,016 in St. Gallen.

Living in Ubud, Bali costs roughly 63% less than in St. Gallen, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 0% above, St. Gallen 171% above.

Meal at Budget Restaurant

$3.33 Rp 58.7K

$29.37 CHF 23.97

-88.66%

Three-Course Dinner for Two, Mid-Range

$35.82 Rp 630.7K

$150 CHF 123

-76.15%

Fast Food Meal (McDonalds, etc)

$5.63 Rp 99.1K

$18.38 CHF 15.00

-69.37%

Cappuccino

$2.82 Rp 49.7K

$6.27 CHF 5.12

-55.02%

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

$1.75 Rp 30.8K

$6.07 CHF 4.96

-71.17%

Water (0.33 liter bottle)

$0.80 Rp 14.0K

$5.27 CHF 4.30

-84.82%

Local Beer (0.5 liter draught)

$3.04 Rp 53.6K

$9.17 CHF 7.49

-66.85%

Imported Beer (0.33 liter bottle)

$4.30 Rp 75.7K

$6.51 CHF 5.31

-33.95%

Milk (1 liter)

$1.61 Rp 28.3K

$2.24 CHF 1.83

-28.13%

White Bread (500g)

$2.27 Rp 39.9K

$3.18 CHF 2.60

-28.62%

Rice (white) (1kg)

$1.17 Rp 20.6K

$3.92 CHF 3.20

-70.15%

Eggs

$2.17 Rp 38.2K

$7.80 CHF 6.37

-72.18%

Local Cheese (1kg)

$17.63 Rp 310.5K

$26.19 CHF 21.38

-32.68%

Chicken Fillets (1kg)

$4.05 Rp 71.4K

$29.72 CHF 24.26

-86.37%

Beef Round Steak (1kg)

$12.18 Rp 214.5K

$39.85 CHF 32.52

-69.44%

Apples (1kg)

$3.62 Rp 63.7K

$3.17 CHF 2.59

14.20%

Banana (1kg)

$1.64 Rp 28.8K

$1.65 CHF 1.35

-0.61%

Oranges (1kg)

$2.31 Rp 40.6K

$2.48 CHF 2.02

-6.85%

Tomato (1kg)

$1.96 Rp 34.5K

$6.25 CHF 5.10

-68.64%

Potato (1kg)

$1.84 Rp 32.5K

$1.69 CHF 1.38

8.88%

Onion (1kg)

$2.37 Rp 41.7K

$2.19 CHF 1.79

8.22%

Lettuce (1 head)

$1.05 Rp 18.5K

$2.30 CHF 1.88

-54.35%

Water (1.5 liter bottle)

$0.54 Rp 9,560

$1.22 CHF 1.00

-55.74%

Cigarettes 20 Pack (Marlboro, Camel)

$2.30 Rp 40.6K

$10.97 CHF 8.96

-79.03%

Wine (Bottle)

$23.08 Rp 406.4K

$11.52 CHF 9.40

100.35%

Local Beer (0.5 liter bottle)

$2.34 Rp 41.2K

$2.20 CHF 1.80

6.36%

Imported Beer (0.33 liter bottle)

$3.07 Rp 54.0K

$2.42 CHF 1.97

26.86%

One-way Ticket (Public Transport)

$0.25 Rp 4,365

$4.38 CHF 3.57

-94.29%

Public Transport Monthly Pass (Regular Price)

$9.42 Rp 165.9K

$129 CHF 105

-92.68%

Taxi Start (Normal Tariff)

$0.49 Rp 8,631

$6.85 CHF 5.59

-92.85%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

$4.88 CHF 3.98

-90.37%

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

$79.3 CHF 64.7

-92.94%

Gasoline (1 liter)

$0.81 Rp 14.2K

$2.23 CHF 1.82

-63.68%

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

$25.0K Rp 440.3M

$36.2K CHF 29.5K

-30.86%

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

$31.1K Rp 547.0M

$39.7K CHF 32.4K

-21.74%

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

$82.7 Rp 1.5M

$314 CHF 256

-73.63%

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

$6.49 Rp 114.2K

$38.80 CHF 31.67

-83.27%

Internet (50+ Mbps, Unlimited Data)

$18.79 Rp 330.8K

$55.7 CHF 45.41

-66.24%

Gym Membership (Monthly)

$55.2 Rp 972.6K

$82.0 CHF 67.0

-32.67%

Tennis Court (1 Hour on Weekend)

$18.21 Rp 320.6K

$97.4 CHF 79.5

-81.31%

Cinema Ticket

$4.30 Rp 75.7K

$30.46 CHF 24.86

-85.88%

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

$494 Rp 8.7M

$2,327 CHF 1,899

-78.77%

International Primary School, 1 Child (Yearly)

$5,917 Rp 104.2M

$32.4K CHF 26.4K

-81.74%

Jeans (Levis 501 Or Similar)

$46.28 Rp 814.8K

$149 CHF 122

-68.97%

Summer Dress (H&M, Zara, etc)

$36.44 Rp 641.6K

$66.6 CHF 54.4

-45.30%

Sport Shoes (Adidas, Nike)

$80.7 Rp 1.4M

$151 CHF 123

-46.41%

Men's Leather Business Shoes

$78.8 Rp 1.4M

$185 CHF 151

-57.47%

1-bedroom Apartment, City Center (Monthly)

$1,114 Rp 19.6M

$1,838 CHF 1,500

-39.39%

1-bedroom Apartment, Outside City Center (Monthly)

$693 Rp 12.2M

$1,747 CHF 1,426

-60.31%

3-bedroom Apartment, City Center (Monthly)

$3,639 Rp 64.1M

$2,878 CHF 2,349

26.43%

3-bedroom Apartment, Outside City Center (Monthly)

$1,712 Rp 30.1M

$2,221 CHF 1,813

-22.91%

Buy Apartment in City Center (m2)

$2,761 Rp 48.6M

$12.3K CHF 10.1K

-77.59%

Buy Apartment Outside City Center (m2)

$2,293 Rp 40.4M

$9,335 CHF 7,618

-75.44%

Average Monthly Net Salary (After Tax)

$167 Rp 2.9M

$6,935 CHF 5,659

-97.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

2.1

556.19%

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

Last update for Ubud, Bali: September 6, 2026

Last update for St. Gallen: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,114 in Ubud, Bali and $1,838 in St. Gallen. Housing cost is often the main lever when comparing two cities.

St. Gallen pays 4050% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $36.00 in Ubud, Bali vs $150 in St. Gallen for a mid-range dinner for two. Groceries echo the gap at $294 vs $587 per month, with Ubud, Bali cheaper across the board.

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 St. Gallen: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 172% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 4050% lower in St. Gallen. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,114 in Ubud, Bali versus $1,838 in St. Gallen. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 1267% less than in St. Gallen. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $494 in Ubud, Bali versus $2,327 in St. Gallen. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,378 in Ubud, Bali versus $3,743 in St. Gallen, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Gallen. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in St. Gallen, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and St. Gallen are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 172% less than in St. Gallen. Beyond cost, consider language, visa policies, and how big the international community is in each city.