Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Swabi

For one person, living is cheaper in Swabi: $511 a month against $1,353 in Ubud, Bali, rent and utilities included – about $10,100 less a year. Rent and utilities account for most of the difference.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
25

Cost of Living Index in Swabi
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Swabi Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Swabi

🇵🇰 Pakistan

$511

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Swabi

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

A single person spends $1,353 per month in Ubud, Bali vs $511 in Swabi, rent included.

Ubud, Bali $1,353
Swabi $511

A couple spends around $2,297 per month in Ubud, Bali vs $801 in Swabi, rent included.

Ubud, Bali $2,297
Swabi $801

A family of three spends $3,241 per month in Ubud, Bali vs $1,091 in Swabi, rent included.

Ubud, Bali $3,241
Swabi $1,091

Ubud, Bali costs about 165% more than Swabi, and outside of rent the biggest gap is in groceries.

Ubud, Bali sits 0% above the global median, while Swabi is 62% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$3.51 PKR 971

-7.98%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$23.47 PKR 6,497

48.62%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$5.53 PKR 1,531

3.07%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.65 PKR 1,010

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.02 PKR 1,942

Cappuccino

$2.62 Rp 47.1K

$2.69 PKR 745

-2.60%

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

$1.72 Rp 31.0K

$0.36 PKR 98.6

377.78%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.23 PKR 63.8

252.17%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

Milk (1 liter)

$1.57 Rp 28.3K

$0.93 PKR 258

68.82%

White Bread (500g)

$2.19 Rp 39.5K

$0.72 PKR 200

204.17%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.26 PKR 348

-6.35%

Eggs

$2.16 Rp 38.8K

$1.20 PKR 333

80.00%

Local Cheese (1kg)

$17.65 Rp 317.7K

$6.05 PKR 1,674

191.74%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$3.13 PKR 866

20.77%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$5.39 PKR 1,491

121.71%

Apples (1kg)

$3.60 Rp 64.8K

$1.28 PKR 354

181.25%

Banana (1kg)

$1.59 Rp 28.6K

$0.83 PKR 229

91.57%

Oranges (1kg)

$2.31 Rp 41.6K

$1.07 PKR 296

115.89%

Tomato (1kg)

$1.91 Rp 34.3K

$0.52 PKR 145

267.31%

Potato (1kg)

$1.78 Rp 32.1K

$0.29 PKR 80.4

513.79%

Onion (1kg)

$2.33 Rp 41.9K

$0.36 PKR 99.2

547.22%

Lettuce (1 head)

$1.00 Rp 18.0K

$0.28 PKR 76.7

257.14%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$0.42 PKR 117

26.19%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.79 PKR 496

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.25 PKR 346

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.38 PKR 658

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$2.32 PKR 643

-1.29%

Wine (Bottle)

$22.07 Rp 397.3K

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$0.16 PKR 43.30

43.75%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$9.75 PKR 2,697

-8.72%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$1.28 PKR 356

-63.28%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.69 PKR 190

-37.68%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$1.60 PKR 442

241.87%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.39 PKR 384

-40.29%

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

$23.9K Rp 429.8M

$21.6K PKR 6.0M

10.30%

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

$32.8K Rp 590.1M

$24.0K PKR 6.6M

36.71%

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

$80.0 Rp 1.4M

$101 PKR 27.8K

-20.44%

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

$6.56 Rp 118.1K

$6.11 PKR 1,691

7.36%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$17.33 PKR 4,796

7.33%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$15.07 PKR 4,171

259.12%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$7.87 PKR 2,177

132.27%

Cinema Ticket

$4.25 Rp 76.5K

$4.27 PKR 1,183

-0.47%

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

$493 Rp 8.9M

$73.6 PKR 20.4K

569.32%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$1,021 PKR 282.4K

448.47%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$26.59 PKR 7,360

71.42%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$35.19 PKR 9,739

-0.65%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$97.0 PKR 26.9K

-19.89%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$40.28 PKR 11.1K

94.94%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$124 PKR 34.4K

810.79%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$76.9 PKR 21.3K

775.12%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$251 PKR 69.5K

1338.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$152 PKR 42.0K

1020.36%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$928 PKR 256.9K

192.80%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$474 PKR 131.1K

373.29%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

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: October 19, 2026

Last update for Swabi: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Swabi

$77 15.1% 88.6% $596

Groceries & Markets

Ubud, Bali

$287 21.2%

Swabi

$102 20% 64.4% $185

Clothing & Footwear

Ubud, Bali

$107 7.9%

Swabi

$90 17.5% 15.9% $17

Eating Out

Ubud, Bali

$106 7.9%

Swabi

$79 15.5% 25.5% $27

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Swabi

$124 24.3% 17.9% $19

Sport & Entertainment

Ubud, Bali

$63 4.6%

Swabi

$24 4.6% 62.3% $39

Getting Around

Ubud, Bali

$12 0.9%

Swabi

$15 3% 21.4% $2.7

Cost Breakdown

A central one-bedroom costs $1,131 in Ubud, Bali versus $124 in Swabi. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $23.00 in Swabi. Monthly groceries follow the same trend: $287 vs $102 – making Swabi the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇵🇰 Swabi

🕒 Local time

00:12 12:12 AM

21:12 9:12 PM

3 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

123,412

💱 Currency

Indonesian Rupiah IDR Rp

Pakistani Rupee PKR ₨

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1,000 PKR = 3.61 USD

1,000 PKR = 3.21 EUR

Exchange rates and currency converter

PKR, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 20, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Pakistani Rupee exchange rates as of October 20, 2026: 1 USD = 277 PKR (1,000 PKR = 3.61 USD). 1 EUR = 311 PKR (1,000 PKR = 3.21 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Swabi 6,540 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Swabi

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 Swabi: Cost of Living - Frequently Asked Questions

Ubud, Bali costs about 165% more than Swabi, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,030 per month in Ubud, Bali and $766 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 $493 per month in Ubud, Bali and $73.6 in Swabi. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 181% 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 $511, than in Ubud, Bali at $1,353. 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 $511 versus $1,353 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.