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: $1,404 in Ubud, Bali versus $3,847 in St. Moritz.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $6,534 in St. Moritz.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $9,221 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 4% above, St. Moritz 186% above.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$31.18 CHF 24.75

-88.55%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$146 CHF 116

-77.79%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$14.71 CHF 11.68

-66.96%

Cappuccino

$2.75 Rp 49.2K

$6.27 CHF 4.98

-56.14%

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

$1.32 Rp 23.7K

$5.48 CHF 4.35

-75.91%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$4.70 CHF 3.73

-85.11%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$9.73 CHF 7.73

-70.09%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$6.05 CHF 4.81

-37.36%

Milk (1 liter)

$1.71 Rp 30.6K

$1.33 CHF 1.06

28.57%

White Bread (500g)

$2.47 Rp 44.3K

$3.40 CHF 2.70

-27.35%

Rice (white) (1kg)

$1.20 Rp 21.5K

$3.94 CHF 3.13

-69.54%

Eggs

$2.44 Rp 43.8K

$7.46 CHF 5.92

-67.29%

Local Cheese (1kg)

$14.38 Rp 257.7K

$29.03 CHF 23.05

-50.47%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$33.94 CHF 26.95

-87.30%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$50.8 CHF 40.32

-75.96%

Apples (1kg)

$3.68 Rp 66.0K

$4.14 CHF 3.29

-11.11%

Banana (1kg)

$1.55 Rp 27.8K

$2.91 CHF 2.31

-46.74%

Oranges (1kg)

$2.79 Rp 49.9K

$3.15 CHF 2.50

-11.43%

Tomato (1kg)

$2.33 Rp 41.8K

$5.05 CHF 4.01

-53.86%

Potato (1kg)

$1.97 Rp 35.3K

$2.73 CHF 2.17

-27.84%

Onion (1kg)

$2.31 Rp 41.4K

$2.29 CHF 1.82

0.87%

Lettuce (1 head)

$1.06 Rp 19.1K

$2.58 CHF 2.05

-58.91%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$1.67 CHF 1.33

-56.29%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$11.28 CHF 8.95

-70.92%

Wine (Bottle)

$22.79 Rp 408.4K

$14.82 CHF 11.76

53.78%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$2.64 CHF 2.09

6.44%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$3.22 CHF 2.56

-13.66%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$4.04 CHF 3.21

-92.82%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$95.2 CHF 75.6

-91.53%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$7.52 CHF 5.97

-94.02%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$4.54 CHF 3.61

-90.09%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$86.3 CHF 68.5

-92.77%

Gasoline (1 liter)

$0.85 Rp 15.2K

$2.27 CHF 1.80

-62.56%

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

$26.0K Rp 465.4M

$40.0K CHF 31.8K

-35.09%

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

$31.7K Rp 567.2M

$39.8K CHF 31.6K

-20.44%

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

$80.8 Rp 1.4M

$98.5 CHF 78.2

-18.05%

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

$4.06 Rp 72.7K

$35.59 CHF 28.25

-88.59%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$59.2 CHF 46.98

-58.74%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$73.5 CHF 58.3

32.92%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

Cinema Ticket

$4.04 Rp 72.4K

$19.41 CHF 15.41

-79.19%

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

$304 Rp 5.4M

$3,408 CHF 2,705

-91.08%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$38.5K CHF 30.6K

-82.81%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$141 CHF 112

-61.62%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$61.3 CHF 48.69

-36.77%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$147 CHF 117

-41.44%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$205 CHF 163

-62.61%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$1,699 CHF 1,348

-41.97%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$1,955 CHF 1,552

-66.35%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$2,868 CHF 2,277

17.50%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$4,615 CHF 3,664

-55.24%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$15.0K CHF 11.9K

-81.66%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$11.6K CHF 9,221

-80.82%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$4,973 CHF 3,948

-96.71%

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: June 9, 2026

Last update for St. Moritz: June 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $1,699 in St. Moritz. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2943% 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: $33.00 in Ubud, Bali vs $146 in St. Moritz for a mid-range dinner for two. Groceries echo the gap at $297 vs $670 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 174% in total monthly costs ($1,404 vs $3,847 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, St. Moritz earns 2943% less. 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: $986 in Ubud, Bali versus $1,699 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 1081% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $304 in Ubud, Bali versus $3,408 in St. Moritz. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,404 in Ubud, Bali versus $3,847 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 174% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.