Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Swakopmund

For one person, living is cheaper in Swakopmund: $558 a month against $1,353 in Ubud, Bali, rent and utilities included – about $9,500 less a year. Rent and utilities account for most of the difference.

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

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Swakopmund

🇳🇦 Namibia

$558

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $558 in Swakopmund.

Ubud, Bali $1,353
Swakopmund $558

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $1,034 in Swakopmund.

Ubud, Bali $2,297
Swakopmund $1,034

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $1,510 in Swakopmund.

Ubud, Bali $3,241
Swakopmund $1,510

Living in Ubud, Bali is roughly 142% more expensive than in Swakopmund, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Ubud, Bali is 0% above, Swakopmund is 59% below.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$5.35 NAD 88.2

-39.63%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$33.92 NAD 559

2.83%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$3.51 NAD 57.8

62.39%

Cappuccino

$2.62 Rp 47.1K

$1.68 NAD 27.68

55.95%

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

$1.72 Rp 31.0K

$0.77 NAD 12.73

123.38%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$0.57 NAD 9.47

42.11%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$1.26 NAD 20.72

110.32%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$1.61 NAD 26.46

171.43%

Milk (1 liter)

$1.57 Rp 28.3K

$2.16 NAD 35.61

-27.31%

White Bread (500g)

$2.19 Rp 39.5K

$1.34 NAD 22.15

63.43%

Rice (white) (1kg)

$1.18 Rp 21.2K

Eggs

$2.16 Rp 38.8K

$2.21 NAD 36.47

-2.26%

Local Cheese (1kg)

$17.65 Rp 317.7K

$7.48 NAD 123

135.96%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

Beef Round Steak (1kg)

$11.95 Rp 215.1K

Apples (1kg)

$3.60 Rp 64.8K

$3.38 NAD 55.7

6.51%

Banana (1kg)

$1.59 Rp 28.6K

$1.52 NAD 24.98

4.61%

Oranges (1kg)

$2.31 Rp 41.6K

Tomato (1kg)

$1.91 Rp 34.3K

$1.98 NAD 32.54

-3.54%

Potato (1kg)

$1.78 Rp 32.1K

Onion (1kg)

$2.33 Rp 41.9K

Lettuce (1 head)

$1.00 Rp 18.0K

Water (1.5 liter bottle)

$0.53 Rp 9,509

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

Wine (Bottle)

$22.07 Rp 397.3K

$7.71 NAD 127

186.25%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$0.59 NAD 9.80

298.31%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

One-way Ticket (Public Transport)

$0.23 Rp 4,112

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$29.22 NAD 482

-69.54%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$0.78 NAD 12.91

-39.74%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$0.90 NAD 14.88

-52.22%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$7.18 NAD 118

-23.82%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.23 NAD 20.24

-32.52%

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

$23.9K Rp 429.8M

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

$32.8K Rp 590.1M

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

$80.0 Rp 1.4M

$52.1 NAD 859

53.41%

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

$6.56 Rp 118.1K

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

Gym Membership (Monthly)

$54.1 Rp 974.1K

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

Cinema Ticket

$4.25 Rp 76.5K

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

$493 Rp 8.9M

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

Men's Leather Business Shoes

$78.5 Rp 1.4M

$69.1 NAD 1,138

13.70%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$404 NAD 6,654

180.17%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$232 NAD 3,816

190.54%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$841 NAD 13.8K

329.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$690 NAD 11.4K

146.62%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Ubud, Bali: October 19, 2026

Last update for Swakopmund: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Swakopmund

–

Groceries & Markets

Ubud, Bali

$287 21.2%

Swakopmund

–

Clothing & Footwear

Ubud, Bali

$107 7.9%

Swakopmund

–

Eating Out

Ubud, Bali

$106 7.9%

Swakopmund

–

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Swakopmund

–

Sport & Entertainment

Ubud, Bali

$63 4.6%

Swakopmund

–

Getting Around

Ubud, Bali

$12 0.9%

Swakopmund

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $404 in Swakopmund. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $34.00 in Swakopmund for a mid-range dinner for two. Groceries echo the gap at $287 vs $121 per month, with Swakopmund cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇦 Swakopmund

🕒 Local time

12:30 12:30 PM

06:30 6:30 AM

6 h behind Ubud, Bali

🌤 Weather

👥 Population

74,800

25,000

💱 Currency

Indonesian Rupiah IDR Rp

Namibian Dollar NAD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

100 NAD = 6.07 USD

100 NAD = 5.4 EUR

Exchange rates and currency converter

NAD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of October 24, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

Namibian Dollar exchange rates as of October 24, 2026: 1 USD = 16.48 NAD (100 NAD = 6.07 USD). 1 EUR = 18.52 NAD (100 NAD = 5.4 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Swakopmund 10,730 km ≈ 14 h nonstop flight

From you

Ubud, Bali
Swakopmund

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 Swakopmund: Cost of Living - Frequently Asked Questions

Swakopmund is cheaper overall, especially in groceries, clothing, and eating out. The 142% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,030 in Ubud, Bali and $838 in Swakopmund to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,131 in Ubud, Bali versus $404 in Swakopmund. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Swakopmund – a meal for two runs $34.00 versus $35.00 in Ubud, Bali. If you eat out regularly, this makes a real dent in your monthly spending.

A monthly transit pass in Swakopmund runs roughly 228% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $558 in Swakopmund versus $1,353 in Ubud, Bali, a $1,500 budget is realistic in Swakopmund but tight or insufficient in Ubud, Bali. The gap between the two cities makes Swakopmund the clear choice for anyone on this budget.

For families, Swakopmund is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Swakopmund 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 Swakopmund gentler on the wallet – expenses run 142% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.