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

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $3,776 in St. Moritz.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $6,503 in St. Moritz.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $9,229 in St. Moritz.

Living in Ubud, Bali costs roughly 63% less than in St. Moritz, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Ubud, Bali 5% above, St. Moritz 184% above.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$31.00 CHF 25.02

-88.48%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$147 CHF 118

-77.97%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$14.73 CHF 11.89

-65.99%

Cappuccino

$2.82 Rp 51.0K

$6.32 CHF 5.10

-55.38%

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

$1.35 Rp 24.4K

$5.65 CHF 4.56

-76.11%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$4.50 CHF 3.63

-83.78%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$9.75 CHF 7.87

-69.95%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$5.99 CHF 4.84

-34.22%

Milk (1 liter)

$1.78 Rp 32.1K

$1.32 CHF 1.07

34.85%

White Bread (500g)

$2.45 Rp 44.2K

$3.38 CHF 2.73

-27.51%

Rice (white) (1kg)

$1.15 Rp 20.7K

$4.11 CHF 3.32

-72.02%

Eggs

$2.41 Rp 43.6K

$7.60 CHF 6.14

-68.29%

Local Cheese (1kg)

$14.33 Rp 258.7K

$29.20 CHF 23.57

-50.92%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$32.92 CHF 26.57

-87.27%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$50.6 CHF 40.85

-76.18%

Apples (1kg)

$3.64 Rp 65.7K

$4.09 CHF 3.30

-11.00%

Banana (1kg)

$1.57 Rp 28.3K

$2.89 CHF 2.33

-45.67%

Oranges (1kg)

$2.79 Rp 50.3K

$3.04 CHF 2.45

-8.22%

Tomato (1kg)

$2.24 Rp 40.5K

$5.20 CHF 4.20

-56.92%

Potato (1kg)

$1.98 Rp 35.7K

$2.74 CHF 2.21

-27.74%

Onion (1kg)

$2.28 Rp 41.1K

$2.31 CHF 1.86

-1.30%

Lettuce (1 head)

$1.05 Rp 19.0K

$2.47 CHF 1.99

-57.49%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.73 CHF 1.39

-54.34%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$11.16 CHF 9.00

-71.42%

Wine (Bottle)

$23.49 Rp 424.1K

$13.58 CHF 10.96

72.97%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$2.70 CHF 2.18

7.41%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$3.31 CHF 2.67

-16.62%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$3.84 CHF 3.10

-92.97%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$96.9 CHF 78.2

-91.36%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$7.52 CHF 6.07

-94.02%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$4.46 CHF 3.60

-89.69%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$89.2 CHF 72.0

-93.20%

Gasoline (1 liter)

$0.86 Rp 15.6K

$2.24 CHF 1.81

-61.61%

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

$26.6K Rp 480.0M

$40.5K CHF 32.7K

-34.31%

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

$32.5K Rp 587.6M

$39.8K CHF 32.1K

-18.24%

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

$79.0 Rp 1.4M

$97.2 CHF 78.5

-18.74%

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

$4.09 Rp 73.9K

$36.41 CHF 29.38

-88.77%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$59.7 CHF 48.16

-60.03%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$74.7 CHF 60.3

32.25%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$42.41 CHF 34.22

-85.03%

Cinema Ticket

$4.01 Rp 72.3K

$18.87 CHF 15.23

-78.75%

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

$297 Rp 5.4M

$3,368 CHF 2,718

-91.17%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$39.7K CHF 32.1K

-83.39%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$137 CHF 111

-61.11%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$62.3 CHF 50.2

-38.78%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$151 CHF 122

-41.21%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$203 CHF 164

-62.28%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$1,702 CHF 1,374

-40.10%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$1,993 CHF 1,608

-65.86%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$2,808 CHF 2,266

23.53%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$4,655 CHF 3,757

-55.10%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$15.6K CHF 12.6K

-82.50%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$12.2K CHF 9,879

-81.25%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,804 CHF 3,877

-96.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

1.8

637.78%

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

Last update for Ubud, Bali: July 28, 2026

Last update for St. Moritz: July 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $1,702 in St. Moritz. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2835% 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: $32.00 in Ubud, Bali vs $147 in St. Moritz for a mid-range dinner for two. Groceries echo the gap at $298 vs $665 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. Moritz: Cost of Living - Frequently Asked Questions

Ubud, Bali and St. Moritz differ by about 171% in total monthly costs ($1,392 vs $3,776 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 2835% lower in St. Moritz. 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: $1,020 in Ubud, Bali versus $1,702 in St. Moritz. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 1058% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $297 in Ubud, Bali versus $3,368 in St. Moritz. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,392 in Ubud, Bali versus $3,776 in St. Moritz, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in St. Moritz. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and St. Moritz 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 171% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.