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: $1,438 in Ubud, Bali versus $3,865 in St. Moritz.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $6,642 in St. Moritz.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $9,420 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 7% above, St. Moritz 189% above.

Meal at Budget Restaurant

$3.57 Rp 61.9K

$31.31 CHF 24.77

-88.60%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 564.7K

$150 CHF 118

-78.24%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.8K

$15.03 CHF 11.89

-66.27%

Cappuccino

$2.83 Rp 49.0K

$6.14 CHF 4.86

-53.91%

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

$1.34 Rp 23.2K

$5.46 CHF 4.32

-75.46%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$4.76 CHF 3.76

-85.50%

Local Beer (0.5 liter draught)

$2.99 Rp 51.8K

$10.02 CHF 7.92

-70.16%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.7K

$6.03 CHF 4.77

-36.15%

Milk (1 liter)

$1.74 Rp 30.2K

$1.33 CHF 1.05

30.83%

White Bread (500g)

$2.54 Rp 44.0K

$3.44 CHF 2.72

-26.16%

Rice (white) (1kg)

$1.19 Rp 20.6K

$4.11 CHF 3.25

-71.05%

Eggs

$2.43 Rp 42.0K

$7.45 CHF 5.90

-67.38%

Local Cheese (1kg)

$14.66 Rp 254.1K

$29.79 CHF 23.56

-50.79%

Chicken Fillets (1kg)

$4.18 Rp 72.4K

$33.95 CHF 26.85

-87.69%

Beef Round Steak (1kg)

$11.94 Rp 206.9K

$50.4 CHF 39.84

-76.30%

Apples (1kg)

$3.69 Rp 63.9K

$4.09 CHF 3.23

-9.78%

Banana (1kg)

$1.61 Rp 27.8K

$2.92 CHF 2.31

-44.86%

Oranges (1kg)

$2.69 Rp 46.5K

$3.15 CHF 2.49

-14.60%

Tomato (1kg)

$2.33 Rp 40.4K

$5.05 CHF 3.99

-53.86%

Potato (1kg)

$1.91 Rp 33.0K

$2.82 CHF 2.23

-32.27%

Onion (1kg)

$2.19 Rp 37.9K

$2.31 CHF 1.82

-5.19%

Lettuce (1 head)

$1.06 Rp 18.3K

$2.51 CHF 1.99

-57.77%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$1.73 CHF 1.37

-58.38%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.3K

$10.87 CHF 8.60

-71.21%

Wine (Bottle)

$23.49 Rp 407.1K

$15.15 CHF 11.98

55.05%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.5K

$2.75 CHF 2.18

-0.36%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.9K

$3.21 CHF 2.54

-10.28%

One-way Ticket (Public Transport)

$0.29 Rp 5,029

$3.83 CHF 3.03

-92.43%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.6K

$94.2 CHF 74.5

-91.33%

Taxi Start (Normal Tariff)

$0.45 Rp 7,863

$7.60 CHF 6.01

-94.08%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,305

$4.58 CHF 3.63

-90.83%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.7K

$86.6 CHF 68.5

-92.89%

Gasoline (1 liter)

$0.84 Rp 14.6K

$2.24 CHF 1.77

-62.50%

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

$26.2K Rp 454.9M

$40.3K CHF 31.9K

-34.86%

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

$32.5K Rp 562.9M

$39.4K CHF 31.2K

-17.67%

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

$78.4 Rp 1.4M

$99.5 CHF 78.7

-21.15%

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

$3.95 Rp 68.5K

$36.21 CHF 28.64

-89.09%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 423.0K

$59.8 CHF 47.30

-59.20%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$73.0 CHF 57.7

32.26%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 110.0K

Cinema Ticket

$4.04 Rp 70.0K

$19.20 CHF 15.19

-78.96%

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

$303 Rp 5.2M

$3,465 CHF 2,741

-91.27%

International Primary School, 1 Child (Yearly)

$6,523 Rp 113.1M

$39.6K CHF 31.3K

-83.53%

Jeans (Levis 501 Or Similar)

$53.8 Rp 933.1K

$137 CHF 109

-60.78%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 658.3K

$61.5 CHF 48.68

-38.28%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$150 CHF 118

-41.99%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$205 CHF 162

-61.46%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$1,709 CHF 1,351

-40.75%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.7M

$1,982 CHF 1,568

-65.98%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.8M

$2,826 CHF 2,236

19.94%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.4M

$4,665 CHF 3,690

-55.03%

Buy Apartment in City Center (m2)

$2,985 Rp 51.7M

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.5M

$12.8K CHF 10.1K

-81.75%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$4,994 CHF 3,950

-96.53%

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: April 28, 2026

Last update for St. Moritz: April 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $1,709 in St. Moritz. Housing cost is often the main lever when comparing two cities.

St. Moritz pays 2785% 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 $150 in St. Moritz for a mid-range dinner for two. Groceries echo the gap at $298 vs $674 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 169% in total monthly costs ($1,438 vs $3,865 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 2785% 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: $1,012 in Ubud, Bali versus $1,709 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 1053% less than in St. Moritz. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $303 in Ubud, Bali versus $3,465 in St. Moritz. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,438 in Ubud, Bali versus $3,865 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 169% less than in St. Moritz. Beyond cost, consider language, visa policies, and how big the international community is in each city.