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: $1,348 in Ubud, Bali versus $468 in Swat.

Estimated couple costs with rent: $2,312 in Ubud, Bali versus $726 in Swat.

Monthly costs for a family of three with rent: $3,276 in Ubud, Bali versus $984 in Swat.

Living in Ubud, Bali is roughly 188% more expensive than in Swat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 1% above, Swat is 65% below.

Meal at Budget Restaurant

$3.33 Rp 59.7K

$3.67 PKR 1,015

-9.26%

Three-Course Dinner for Two, Mid-Range

$35.42 Rp 634.2K

$23.36 PKR 6,465

51.63%

Fast Food Meal (McDonalds, etc)

$5.76 Rp 103.1K

$3.60 PKR 995

60.00%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.56 PKR 986

Imported Non-Alcoholic Beer (0.33 liter bottle)

$7.05 PKR 1,951

Cappuccino

$2.63 Rp 47.1K

$2.62 PKR 726

0.38%

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

$1.74 Rp 31.1K

$0.32 PKR 89.7

443.75%

Water (0.33 liter bottle)

$0.77 Rp 13.8K

$0.21 PKR 58.0

266.67%

Local Beer (0.5 liter draught)

$2.71 Rp 48.4K

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.9K

Milk (1 liter)

$1.53 Rp 27.5K

$0.98 PKR 270

56.12%

White Bread (500g)

$2.20 Rp 39.3K

$0.42 PKR 116

423.81%

Rice (white) (1kg)

$1.22 Rp 21.8K

$1.30 PKR 359

-6.15%

Eggs

$2.14 Rp 38.3K

$1.26 PKR 349

69.84%

Local Cheese (1kg)

$17.73 Rp 317.5K

$5.97 PKR 1,653

196.98%

Chicken Fillets (1kg)

$3.86 Rp 69.0K

$3.28 PKR 907

17.68%

Beef Round Steak (1kg)

$12.03 Rp 215.3K

$5.48 PKR 1,516

119.53%

Apples (1kg)

$3.61 Rp 64.6K

$1.29 PKR 358

179.84%

Banana (1kg)

$1.51 Rp 27.1K

$0.81 PKR 223

86.42%

Oranges (1kg)

$2.32 Rp 41.5K

$1.04 PKR 288

123.08%

Tomato (1kg)

$2.00 Rp 35.9K

$0.55 PKR 153

263.64%

Potato (1kg)

$1.81 Rp 32.4K

$0.28 PKR 77.6

546.43%

Onion (1kg)

$2.39 Rp 42.7K

$0.38 PKR 106

528.95%

Lettuce (1 head)

$0.99 Rp 17.8K

$0.28 PKR 76.9

253.57%

Water (1.5 liter bottle)

$0.52 Rp 9,389

$0.38 PKR 106

36.84%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.80 PKR 499

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.23 PKR 341

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.32 PKR 643

Cigarettes 20 Pack (Marlboro, Camel)

$2.18 Rp 39.1K

$2.35 PKR 649

-7.23%

Wine (Bottle)

$22.98 Rp 411.4K

Local Beer (0.5 liter bottle)

$2.40 Rp 42.9K

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.7K

One-way Ticket (Public Transport)

$0.24 Rp 4,262

$0.18 PKR 48.66

33.33%

Public Transport Monthly Pass (Regular Price)

$6.99 Rp 125.2K

$10.79 PKR 2,986

-35.22%

Taxi Start (Normal Tariff)

$0.44 Rp 7,889

$1.28 PKR 355

-65.63%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,595

$0.71 PKR 196

-40.85%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 97.6K

$1.64 PKR 454

232.32%

Gasoline (1 liter)

$0.84 Rp 15.1K

$1.32 PKR 365

-36.36%

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

$24.3K Rp 435.6M

$21.8K PKR 6.0M

11.54%

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

$31.9K Rp 571.0M

$24.1K PKR 6.7M

32.52%

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

$80.8 Rp 1.4M

$104 PKR 28.7K

-22.13%

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

$6.58 Rp 117.8K

$5.28 PKR 1,462

24.62%

Internet (50+ Mbps, Unlimited Data)

$18.24 Rp 326.6K

$16.25 PKR 4,498

12.25%

Gym Membership (Monthly)

$55.1 Rp 987.1K

$14.86 PKR 4,113

271.00%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.5K

$8.50 PKR 2,352

117.76%

Cinema Ticket

$4.24 Rp 76.0K

$4.25 PKR 1,176

-0.24%

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

$486 Rp 8.7M

$43.27 PKR 12.0K

1022.42%

International Primary School, 1 Child (Yearly)

$5,676 Rp 101.6M

$1,057 PKR 292.6K

436.94%

Jeans (Levis 501 Or Similar)

$45.18 Rp 809.0K

$24.78 PKR 6,859

82.32%

Summer Dress (H&M, Zara, etc)

$34.57 Rp 619.0K

$34.29 PKR 9,491

0.82%

Sport Shoes (Adidas, Nike)

$79.2 Rp 1.4M

$25.41 PKR 7,032

211.49%

Men's Leather Business Shoes

$77.6 Rp 1.4M

$40.40 PKR 11.2K

92.13%

1-bedroom Apartment, City Center (Monthly)

$1,127 Rp 20.2M

$124 PKR 34.3K

809.10%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 12.1M

$76.6 PKR 21.2K

780.18%

3-bedroom Apartment, City Center (Monthly)

$3,618 Rp 64.8M

$274 PKR 75.9K

1218.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,735 Rp 31.1M

$170 PKR 47.1K

920.00%

Buy Apartment in City Center (m2)

$2,829 Rp 50.7M

$911 PKR 252.3K

210.36%

Buy Apartment Outside City Center (m2)

$2,307 Rp 41.3M

$540 PKR 149.5K

327.03%

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 5, 2026

Last update for Swat: October 3, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,127 in Ubud, Bali and $124 in Swat. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $23.00 in Swat for a mid-range dinner for two. Groceries echo the gap at $290 vs $100 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 188% 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 $2,022 in Ubud, Bali and $702 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: $1,127 in Ubud, Bali versus $124 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 54% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $486 in Ubud, Bali versus $43.27 in Swat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $468 in Swat versus $1,348 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 $468 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 188% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.