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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $425 in Swat.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $643 in Swat.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $862 in Swat.

Living in Ubud, Bali is roughly 231% more expensive than Swat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 4% above, Swat is 68% below.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$2.75 PKR 766

29.82%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$14.36 PKR 3,993

126.32%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$5.25 PKR 1,458

-7.43%

Local Non-Alcoholic Beer (0.5 liter draught)

$1.73 PKR 481

Imported Non-Alcoholic Beer (0.33 liter bottle)

$3.86 PKR 1,073

Cappuccino

$2.75 Rp 49.2K

$2.05 PKR 571

34.15%

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

$1.32 Rp 23.7K

$0.43 PKR 120

206.98%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$0.22 PKR 60.9

218.18%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

Milk (1 liter)

$1.71 Rp 30.6K

$0.68 PKR 190

151.47%

White Bread (500g)

$2.47 Rp 44.3K

$0.67 PKR 185

268.66%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.23 PKR 341

-2.44%

Eggs

$2.44 Rp 43.8K

$1.20 PKR 335

103.33%

Local Cheese (1kg)

$14.38 Rp 257.7K

$6.02 PKR 1,674

138.87%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$1.31 PKR 364

229.01%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$1.37 PKR 382

791.24%

Apples (1kg)

$3.68 Rp 66.0K

$0.90 PKR 251

308.89%

Banana (1kg)

$1.55 Rp 27.8K

$0.36 PKR 100

330.56%

Oranges (1kg)

$2.79 Rp 49.9K

$0.55 PKR 153

407.27%

Tomato (1kg)

$2.33 Rp 41.8K

$0.40 PKR 111

482.50%

Potato (1kg)

$1.97 Rp 35.3K

$0.41 PKR 115

380.49%

Onion (1kg)

$2.31 Rp 41.4K

$0.55 PKR 152

320.00%

Lettuce (1 head)

$1.06 Rp 19.1K

$0.33 PKR 91.8

221.21%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$0.38 PKR 105

92.11%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.41 PKR 392

Local Non-Alcoholic Beer (0.5 liter bottle)

$0.92 PKR 257

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.03 PKR 566

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$2.09 PKR 581

56.94%

Wine (Bottle)

$22.79 Rp 408.4K

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$0.15 PKR 42.96

93.33%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$7.15 PKR 1,988

12.73%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$0.37 PKR 102

21.62%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$0.44 PKR 122

2.27%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$2.81 PKR 782

122.06%

Gasoline (1 liter)

$0.85 Rp 15.2K

$0.98 PKR 271

-13.27%

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

$26.0K Rp 465.4M

$21.1K PKR 5.9M

23.14%

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

$31.7K Rp 567.2M

$26.6K PKR 7.4M

19.05%

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

$80.8 Rp 1.4M

$113 PKR 31.4K

-28.43%

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

$4.06 Rp 72.7K

$5.36 PKR 1,490

-24.25%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$12.50 PKR 3,476

95.36%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$6.15 PKR 1,710

1488.13%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$6.04 PKR 1,681

6.79%

Cinema Ticket

$4.04 Rp 72.4K

$4.29 PKR 1,192

-5.83%

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

$304 Rp 5.4M

$19.38 PKR 5,389

1468.78%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$1,120 PKR 311.4K

491.17%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$21.60 PKR 6,006

151.06%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$28.19 PKR 7,838

37.57%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$89.5 PKR 24.9K

-3.71%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$40.85 PKR 11.4K

87.69%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$75.1 PKR 20.9K

1212.56%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$51.9 PKR 14.4K

1166.75%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$167 PKR 46.5K

1914.64%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$107 PKR 29.8K

1825.48%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$965 PKR 268.4K

183.95%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$445 PKR 123.7K

400.60%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

20.2

-34.26%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Swat: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $75.1 in Swat. Housing cost is often the main lever when comparing two cities.

Dining out: $33.00 in Ubud, Bali vs $14.00 in Swat for a mid-range dinner for two. Groceries echo the gap at $297 vs $71.0 per month, with Swat 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 Swat: Cost of Living - Frequently Asked Questions

Swat wins on cost – living expenses run 231% lower than in Ubud, Bali. Housing and daily spending are where you'll feel the difference most, making Swat the obvious pick if budget is a priority.

You'd need roughly $2,106 in Ubud, Bali and $637 in Swat 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: $986 in Ubud, Bali versus $75.1 in Swat. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Swat runs roughly 13% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $304 in Ubud, Bali versus $19.38 in Swat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $425 in Swat versus $1,404 in Ubud, Bali, a $1,000 budget is realistic in Swat but tight or insufficient in Ubud, Bali. The gap between the two cities makes Swat the clear choice for anyone on this budget.

Both work as nomad bases, but Swat delivers better value – similar infrastructure at $425 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Swat hard to pass up.

Safety-wise, Ubud, Bali and Swat 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 Swat gentler on the wallet – expenses run 231% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.