Cost of Living Comparison Between Ubud, Bali and Swabi Cost of Living Comparison Between Ubud, Bali and Swabi

Monthly Cost of Living

A single person spends $1,396 per month in Ubud, Bali vs $376 in Swabi, rent included.

A couple spends around $2,334 per month in Ubud, Bali vs $606 in Swabi, rent included.

A family of three spends $3,273 per month in Ubud, Bali vs $837 in Swabi, rent included.

Ubud, Bali costs about 271% more than Swabi, driven mainly by Groceries & Markets.

Ubud, Bali sits 2% above the global median, while Swabi is 73% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.37 Rp 59.5K

$3.69 PKR 1,024

-8.67%

Three-Course Dinner for Two, Mid-Range

$38.59 Rp 680.3K

$22.59 PKR 6,264

70.83%

Fast Food Meal (McDonalds, etc)

$5.52 Rp 97.3K

$2.83 PKR 786

95.05%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.64 PKR 1,009

Imported Non-Alcoholic Beer (0.33 liter bottle)

$1.77 PKR 492

Cappuccino

$2.64 Rp 46.6K

$0.57 PKR 157

363.16%

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

$1.67 Rp 29.5K

$0.28 PKR 77.5

496.43%

Water (0.33 liter bottle)

$0.77 Rp 13.6K

$0.13 PKR 36.56

492.31%

Local Beer (0.5 liter draught)

$2.63 Rp 46.4K

Imported Beer (0.33 liter bottle)

$4.28 Rp 75.5K

Milk (1 liter)

$1.55 Rp 27.3K

$0.67 PKR 186

131.34%

White Bread (500g)

$2.22 Rp 39.2K

$0.33 PKR 92.3

572.73%

Rice (white) (1kg)

$1.13 Rp 19.8K

$0.91 PKR 253

24.18%

Eggs

$2.09 Rp 36.8K

$1.10 PKR 305

90.00%

Local Cheese (1kg)

$17.39 Rp 306.6K

$5.80 PKR 1,609

199.83%

Chicken Fillets (1kg)

$3.87 Rp 68.2K

$2.41 PKR 668

60.58%

Beef Round Steak (1kg)

$12.55 Rp 221.2K

$2.83 PKR 783

343.46%

Apples (1kg)

$3.62 Rp 63.8K

$0.55 PKR 154

558.18%

Banana (1kg)

$1.56 Rp 27.5K

$0.34 PKR 95.5

358.82%

Oranges (1kg)

$2.35 Rp 41.5K

$0.52 PKR 144

351.92%

Tomato (1kg)

$2.06 Rp 36.2K

$0.30 PKR 84.1

586.67%

Potato (1kg)

$1.90 Rp 33.5K

$0.16 PKR 43.65

1087.50%

Onion (1kg)

$2.34 Rp 41.2K

$0.36 PKR 98.8

550.00%

Lettuce (1 head)

$1.03 Rp 18.2K

$0.27 PKR 74.2

281.48%

Water (1.5 liter bottle)

$0.55 Rp 9,779

$0.30 PKR 84.4

83.33%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.75 PKR 485

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.70 PKR 195

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.36 PKR 656

Cigarettes 20 Pack (Marlboro, Camel)

$2.25 Rp 39.7K

$2.27 PKR 630

-0.88%

Wine (Bottle)

$23.81 Rp 419.7K

Local Beer (0.5 liter bottle)

$2.31 Rp 40.8K

Imported Beer (0.33 liter bottle)

$2.80 Rp 49.4K

One-way Ticket (Public Transport)

$0.27 Rp 4,802

$0.17 PKR 46.93

58.82%

Public Transport Monthly Pass (Regular Price)

$8.66 Rp 152.7K

$10.77 PKR 2,985

-19.59%

Taxi Start (Normal Tariff)

$0.48 Rp 8,489

$0.71 PKR 196

-32.39%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,863

$0.20 PKR 55.9

125.00%

Taxi 1hour Waiting (Normal Tariff)

$5.72 Rp 100.8K

$1.59 PKR 441

259.75%

Gasoline (1 liter)

$0.76 Rp 13.4K

$0.98 PKR 272

-22.45%

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

$24.5K Rp 431.6M

$10.9K PKR 3.0M

123.93%

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

$32.1K Rp 566.3M

$12.7K PKR 3.5M

152.19%

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

$83.6 Rp 1.5M

$54.5 PKR 15.1K

53.33%

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

$6.46 Rp 113.8K

$3.57 PKR 989

80.95%

Internet (50+ Mbps, Unlimited Data)

$18.99 Rp 334.8K

$16.23 PKR 4,501

17.01%

Gym Membership (Monthly)

$56.0 Rp 986.8K

$14.76 PKR 4,091

279.20%

Tennis Court (1 Hour on Weekend)

$18.62 Rp 328.2K

Cinema Ticket

$4.28 Rp 75.5K

$4.97 PKR 1,378

-13.88%

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

$487 Rp 8.6M

$17.75 PKR 4,922

2640.96%

International Primary School, 1 Child (Yearly)

$5,856 Rp 103.2M

$1,011 PKR 280.2K

479.49%

Jeans (Levis 501 Or Similar)

$45.56 Rp 803.2K

$3.72 PKR 1,030

1124.73%

Summer Dress (H&M, Zara, etc)

$36.38 Rp 641.4K

$32.47 PKR 9,003

12.04%

Sport Shoes (Adidas, Nike)

$82.0 Rp 1.4M

$83.5 PKR 23.1K

-1.80%

Men's Leather Business Shoes

$80.4 Rp 1.4M

$40.20 PKR 11.1K

100.00%

1-bedroom Apartment, City Center (Monthly)

$1,117 Rp 19.7M

$128 PKR 35.4K

775.62%

1-bedroom Apartment, Outside City Center (Monthly)

$701 Rp 12.4M

$75.8 PKR 21.0K

824.66%

3-bedroom Apartment, City Center (Monthly)

$3,537 Rp 62.4M

$248 PKR 68.7K

1327.82%

3-bedroom Apartment, Outside City Center (Monthly)

$1,762 Rp 31.1M

$147 PKR 40.6K

1102.24%

Buy Apartment in City Center (m2)

$2,826 Rp 49.8M

$983 PKR 272.5K

187.56%

Buy Apartment Outside City Center (m2)

$2,292 Rp 40.4M

$580 PKR 160.8K

295.06%

Average Monthly Net Salary (After Tax)

$170 Rp 3.0M

$160 PKR 44.3K

6.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

13.08

5.35%

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

Last update for Ubud, Bali: August 31, 2026

Last update for Swabi: August 30, 2026

Cost Breakdown

A central one-bedroom costs $1,117 in Ubud, Bali versus $128 in Swabi. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 6% higher in Ubud, Bali, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $39.00 in Ubud, Bali versus $23.00 in Swabi. Monthly groceries follow the same trend: $293 vs $70.0 – making Swabi the more affordable choice for daily food spending.

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 Swabi: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 271% more than Swabi, with the gap driven mainly by Groceries & Markets. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,095 per month in Ubud, Bali and $564 in Swabi. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Swabi, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $487 per month in Ubud, Bali and $17.75 in Swabi. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 316% more in Ubud, Bali, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $1,000 monthly budget goes further in Swabi, where all-in costs run around $376, than in Ubud, Bali at $1,396. In Swabi it covers expenses comfortably, while in Ubud, Bali it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Swabi costs $376 versus $1,396 in Ubud, Bali. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Swabi. If higher salaries, better infrastructure, or specific career opportunities are the priority, Ubud, Bali makes more sense. Both are solid long-term options with distinct trade-offs.