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: $1,379 in Ubud, Bali versus $438 in Swat.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $667 in Swat.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $896 in Swat.

Living in Ubud, Bali is roughly 215% more expensive than in Swat, driven mainly by Groceries & Markets.

The two cities straddle the global median: Ubud, Bali is 1% above, Swat is 68% below.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$3.66 PKR 1,014

-9.56%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$22.55 PKR 6,252

73.30%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$3.59 PKR 995

56.55%

Local Non-Alcoholic Beer (0.5 liter draught)

$3.51 PKR 973

Imported Non-Alcoholic Beer (0.33 liter bottle)

$6.79 PKR 1,883

Cappuccino

$2.64 Rp 46.9K

$2.39 PKR 664

10.46%

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

$1.58 Rp 28.2K

$0.35 PKR 98.1

351.43%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$0.22 PKR 60.8

222.73%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

Milk (1 liter)

$1.54 Rp 27.4K

$0.98 PKR 272

57.14%

White Bread (500g)

$2.30 Rp 40.8K

$0.41 PKR 114

460.98%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.22 PKR 337

-15.57%

Eggs

$2.12 Rp 37.7K

$1.21 PKR 335

75.21%

Local Cheese (1kg)

$17.30 Rp 307.5K

$5.89 PKR 1,635

193.72%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$1.41 PKR 390

185.82%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$1.40 PKR 388

787.14%

Apples (1kg)

$3.70 Rp 65.7K

$1.06 PKR 295

249.06%

Banana (1kg)

$1.62 Rp 28.7K

$0.83 PKR 231

95.18%

Oranges (1kg)

$2.27 Rp 40.3K

$0.56 PKR 155

305.36%

Tomato (1kg)

$1.99 Rp 35.4K

$0.47 PKR 130

323.40%

Potato (1kg)

$1.83 Rp 32.5K

$0.27 PKR 74.1

577.78%

Onion (1kg)

$2.25 Rp 40.1K

$0.33 PKR 92.4

581.82%

Lettuce (1 head)

$1.04 Rp 18.6K

$0.27 PKR 74.8

285.19%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$0.41 PKR 113

36.59%

Bottle of Non-Alcoholic Wine (Mid-Range)

$1.81 PKR 502

Local Non-Alcoholic Beer (0.5 liter bottle)

$1.38 PKR 384

Imported Non-Alcoholic Beer (0.33 liter bottle)

$2.40 PKR 665

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$2.41 PKR 668

-7.88%

Wine (Bottle)

$23.22 Rp 412.7K

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$0.20 PKR 56.6

25.00%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$10.07 PKR 2,791

-28.80%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$1.18 PKR 328

-61.02%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$0.75 PKR 208

-38.67%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$1.82 PKR 504

213.19%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.02 PKR 283

-25.49%

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

$24.6K Rp 436.7M

$21.4K PKR 5.9M

14.80%

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

$31.0K Rp 551.5M

$24.5K PKR 6.8M

26.52%

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

$82.2 Rp 1.5M

$102 PKR 28.4K

-19.83%

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

$6.33 Rp 112.5K

$5.58 PKR 1,548

13.44%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$15.94 PKR 4,421

16.31%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$10.70 PKR 2,967

423.83%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$4.94 PKR 1,369

-13.77%

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

$489 Rp 8.7M

$43.22 PKR 12.0K

1032.02%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$1,001 PKR 277.7K

478.47%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$23.80 PKR 6,600

93.19%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$32.53 PKR 9,020

10.24%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$24.84 PKR 6,888

220.13%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$39.49 PKR 11.0K

104.94%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$121 PKR 33.6K

843.26%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$72.6 PKR 20.1K

852.62%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$263 PKR 72.8K

1244.75%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$165 PKR 45.7K

936.46%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$871 PKR 241.4K

219.85%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$554 PKR 153.7K

307.94%

Average Monthly Net Salary (After Tax)

$169 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: August 15, 2026

Last update for Swat: August 16, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $121 in Swat. Housing cost is often the main lever when comparing two cities.

Dining out: $39.00 in Ubud, Bali vs $23.00 in Swat for a mid-range dinner for two. Groceries echo the gap at $293 vs $75.0 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 215% 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 $2,069 in Ubud, Bali and $657 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: $1,144 in Ubud, Bali versus $121 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 40% less than in Ubud, Bali. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $489 in Ubud, Bali versus $43.22 in Swat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $438 in Swat versus $1,379 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 $438 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 215% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.