Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,451 in St. Gallen, rent and utilities included – about $25,200 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
167

Cost of Living Index in St. Gallen
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St. Gallen Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

St. Gallen

🇨🇭 Switzerland

$3,451

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in St. Gallen

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $3,451 in St. Gallen.

Ubud, Bali $1,349
St. Gallen $3,451

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $5,120 in St. Gallen.

Ubud, Bali $2,305
St. Gallen $5,120

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $6,789 in St. Gallen.

Ubud, Bali $3,261
St. Gallen $6,789

Living in Ubud, Bali costs roughly 61% less than in St. Gallen, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$28.78 CHF 23.88

-88.46%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$144 CHF 119

-75.21%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$18.04 CHF 14.97

-69.35%

Cappuccino

$2.72 Rp 49.4K

$6.03 CHF 5.00

-54.89%

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

$1.70 Rp 30.9K

$5.95 CHF 4.94

-71.43%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$5.10 CHF 4.23

-85.10%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$8.80 CHF 7.30

-69.89%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$6.38 CHF 5.29

-31.35%

Milk (1 liter)

$1.49 Rp 27.1K

$2.25 CHF 1.87

-33.78%

White Bread (500g)

$2.28 Rp 41.4K

$3.16 CHF 2.62

-27.85%

Rice (white) (1kg)

$1.19 Rp 21.6K

$3.77 CHF 3.13

-68.44%

Eggs

$2.04 Rp 37.0K

$7.72 CHF 6.40

-73.58%

Local Cheese (1kg)

$17.70 Rp 321.7K

$24.91 CHF 20.67

-28.94%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$29.02 CHF 24.08

-86.35%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$39.94 CHF 33.14

-69.48%

Apples (1kg)

$3.66 Rp 66.4K

$3.06 CHF 2.54

19.61%

Banana (1kg)

$1.52 Rp 27.6K

$1.56 CHF 1.29

-2.56%

Oranges (1kg)

$2.23 Rp 40.5K

$2.40 CHF 1.99

-7.08%

Tomato (1kg)

$1.97 Rp 35.9K

$6.17 CHF 5.12

-68.07%

Potato (1kg)

$1.85 Rp 33.6K

$1.71 CHF 1.42

8.19%

Onion (1kg)

$2.42 Rp 44.1K

$2.14 CHF 1.77

13.08%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.20 CHF 1.83

-55.00%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$1.18 CHF 0.98

-56.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$10.98 CHF 9.11

-79.78%

Wine (Bottle)

$22.24 Rp 404.2K

$11.23 CHF 9.32

98.04%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$2.10 CHF 1.74

7.62%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$2.28 CHF 1.89

30.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$4.08 CHF 3.38

-93.87%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$86.4 CHF 71.7

-90.95%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$6.62 CHF 5.49

-93.35%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

$4.76 CHF 3.95

-90.97%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

$79.2 CHF 65.7

-93.17%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.23 CHF 1.85

-63.23%

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

$23.8K Rp 433.3M

$38.4K CHF 31.8K

-37.87%

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

$31.7K Rp 577.0M

$38.6K CHF 32.0K

-17.75%

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

$79.1 Rp 1.4M

$312 CHF 259

-74.66%

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

$6.45 Rp 117.2K

$37.60 CHF 31.19

-82.85%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$54.0 CHF 44.76

-65.56%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$79.6 CHF 66.0

-37.82%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

Cinema Ticket

$4.27 Rp 77.7K

$28.27 CHF 23.45

-84.90%

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

$491 Rp 8.9M

$2,308 CHF 1,915

-78.75%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$32.2K CHF 26.7K

-82.37%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$144 CHF 120

-69.10%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$64.0 CHF 53.1

-45.42%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$146 CHF 121

-45.29%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$183 CHF 152

-56.67%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,895 CHF 1,572

-40.63%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,504 CHF 1,248

-55.35%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$2,868 CHF 2,379

24.28%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$2,256 CHF 1,871

-23.60%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$11.3K CHF 9,337

-75.73%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$8,285 CHF 6,873

-72.43%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$6,694 CHF 5,553

-97.55%

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: October 25, 2026

Last update for St. Gallen: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

St. Gallen

$1.5K 43.6% 124% $832

Groceries & Markets

Ubud, Bali

$288 21.4%

St. Gallen

$575 16.7% 99.3% $286

Eating Out

Ubud, Bali

$108 8%

St. Gallen

$458 13.3% 325% $350

Clothing & Footwear

Ubud, Bali

$108 8%

St. Gallen

$242 7% 125% $135

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

St. Gallen

$404 11.7% 288% $300

Sport & Entertainment

Ubud, Bali

$58 4.3%

St. Gallen

$136 3.9% 135% $78

Getting Around

Ubud, Bali

$11 0.9%

St. Gallen

$133 3.9% 1066% $122

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,895 in St. Gallen. Housing cost is often the main lever when comparing two cities.

St. Gallen pays about 41 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $144 in St. Gallen for a mid-range dinner for two. Groceries echo the gap at $288 vs $575 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇨🇭 St. Gallen

🕒 Local time

08:03 8:03 AM

01:03 1:03 AM

7 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

78,213

💱 Currency

Indonesian Rupiah IDR Rp

Swiss Franc CHF Fr

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 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 29, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,233 IDR (100,000 IDR = 4.94 EUR).

Swiss Franc exchange rates as of October 29, 2026: 1 USD = 0.83 CHF (1 CHF = 1.21 USD). 1 EUR = 0.924 CHF (1 CHF = 1.08 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali St. Gallen 11,900 km ≈ 15 h nonstop flight

From you

Ubud, Bali
St. Gallen

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 St. Gallen: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 61% cheaper overall, especially in eating out, groceries, and clothing. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 98% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,895 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 91% less than in St. Gallen. The price difference matters if you commute daily and watch your budget.

Childcare runs $491 in Ubud, Bali versus $2,308 in St. Gallen. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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 both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 61% less than in St. Gallen. Beyond cost, consider language, visa policies, and how big the international community is in each city.