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

Monthly Cost of Living

A single person spends $1,408 per month in Ubud, Bali vs $2,572 in Swords, rent included.

A couple spends around $2,582 per month in Ubud, Bali vs $3,724 in Swords, rent included.

A family of three spends $3,757 per month in Ubud, Bali vs $4,876 in Swords, rent included.

Ubud, Bali is about 45% cheaper than Swords, driven mainly by Eating Out.

Both Ubud, Bali and Swords sit above the global median – Ubud, Bali by 5%, Swords by 92%.

Meal at Budget Restaurant

$3.42 Rp 58.7K

$18.36 €15.66

-81.37%

Three-Course Dinner for Two, Mid-Range

$32.96 Rp 566.5K

$94.5 €80.6

-65.12%

Fast Food Meal (McDonalds, etc)

$5.08 Rp 87.3K

$10.48 €8.94

-51.53%

Cappuccino

$2.82 Rp 48.5K

$4.40 €3.75

-35.91%

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

$1.37 Rp 23.5K

$2.34 €2.00

-41.45%

Water (0.33 liter bottle)

$0.71 Rp 12.2K

$1.56 €1.33

-54.49%

Local Beer (0.5 liter draught)

$2.97 Rp 51.0K

$6.96 €5.93

-57.33%

Imported Beer (0.33 liter bottle)

$3.91 Rp 67.2K

$6.19 €5.28

-36.83%

Milk (1 liter)

$1.75 Rp 30.0K

$1.45 €1.24

20.69%

White Bread (500g)

$2.52 Rp 43.2K

$2.12 €1.81

18.87%

Rice (white) (1kg)

$1.21 Rp 20.8K

$2.00 €1.71

-39.50%

Eggs

$2.33 Rp 40.1K

$4.03 €3.44

-42.18%

Local Cheese (1kg)

$14.50 Rp 249.2K

$11.28 €9.62

28.55%

Chicken Fillets (1kg)

$4.36 Rp 74.9K

$10.56 €9.01

-58.71%

Beef Round Steak (1kg)

$12.05 Rp 207.0K

$11.98 €10.22

0.58%

Apples (1kg)

$3.82 Rp 65.6K

$2.92 €2.49

30.82%

Banana (1kg)

$1.61 Rp 27.7K

$1.98 €1.69

-18.69%

Oranges (1kg)

$2.70 Rp 46.5K

$2.75 €2.35

-1.82%

Tomato (1kg)

$2.23 Rp 38.3K

$3.42 €2.92

-34.80%

Potato (1kg)

$1.90 Rp 32.6K

$1.38 €1.17

37.68%

Onion (1kg)

$2.18 Rp 37.5K

$1.43 €1.22

52.45%

Lettuce (1 head)

$1.03 Rp 17.7K

$1.34 €1.14

-23.13%

Water (1.5 liter bottle)

$0.77 Rp 13.3K

$1.66 €1.42

-53.61%

Cigarettes 20 Pack (Marlboro, Camel)

$3.18 Rp 54.7K

$19.62 €16.74

-83.79%

Wine (Bottle)

$23.23 Rp 399.2K

$14.15 €12.07

64.17%

Local Beer (0.5 liter bottle)

$2.85 Rp 48.9K

$3.63 €3.10

-21.49%

Imported Beer (0.33 liter bottle)

$2.72 Rp 46.7K

$3.98 €3.40

-31.66%

One-way Ticket (Public Transport)

$0.29 Rp 5,022

$2.41 €2.06

-87.97%

Public Transport Monthly Pass (Regular Price)

$8.43 Rp 144.8K

$99.8 €85.2

-91.56%

Taxi Start (Normal Tariff)

$0.49 Rp 8,344

$4.87 €4.15

-89.94%

Taxi (Normal Tariff) (1km)

$0.45 Rp 7,812

$2.09 €1.78

-78.47%

Taxi 1hour Waiting (Normal Tariff)

$6.28 Rp 107.8K

$38.46 €32.80

-83.67%

Gasoline (1 liter)

$0.85 Rp 14.6K

$2.00 €1.71

-57.50%

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

$26.1K Rp 447.8M

$43.1K €36.8K

-39.58%

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

$31.5K Rp 541.8M

$39.8K €33.9K

-20.78%

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

$79.8 Rp 1.4M

$280 €239

-71.56%

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

$4.09 Rp 70.3K

$23.23 €19.81

-82.39%

Internet (50+ Mbps, Unlimited Data)

$24.06 Rp 413.6K

$54.3 €46.32

-55.70%

Gym Membership (Monthly)

$96.2 Rp 1.7M

$41.03 €35.00

134.44%

Tennis Court (1 Hour on Weekend)

$6.53 Rp 112.2K

Cinema Ticket

$4.13 Rp 71.1K

$14.12 €12.05

-70.75%

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

$297 Rp 5.1M

$1,075 €917

-72.40%

International Primary School, 1 Child (Yearly)

$6,661 Rp 114.5M

$8,257 €7,044

-19.33%

Jeans (Levis 501 Or Similar)

$55.0 Rp 944.5K

$90.9 €77.6

-39.56%

Summer Dress (H&M, Zara, etc)

$38.75 Rp 666.0K

$39.66 €33.83

-2.29%

Sport Shoes (Adidas, Nike)

$89.6 Rp 1.5M

$99.8 €85.1

-10.20%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$106 €90.7

-25.77%

1-bedroom Apartment, City Center (Monthly)

$1,018 Rp 17.5M

$1,467 €1,252

-30.60%

1-bedroom Apartment, Outside City Center (Monthly)

$660 Rp 11.3M

$1,255 €1,070

-47.41%

3-bedroom Apartment, City Center (Monthly)

$3,435 Rp 59.0M

$2,426 €2,069

41.62%

3-bedroom Apartment, Outside City Center (Monthly)

$2,053 Rp 35.3M

$1,979 €1,688

3.73%

Buy Apartment in City Center (m2)

$2,981 Rp 51.2M

$5,018 €4,281

-40.60%

Buy Apartment Outside City Center (m2)

$2,368 Rp 40.7M

$5,068 €4,323

-53.28%

Average Monthly Net Salary (After Tax)

$172 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

4.04

228.71%

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

Last update for Ubud, Bali: April 21, 2026

Last update for Swords: April 21, 2026

Cost Breakdown

A central one-bedroom costs $1,018 in Ubud, Bali versus $1,467 in Swords. 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 $33 in Ubud, Bali versus $95 in Swords. Monthly groceries follow the same trend: $299 vs $324 – making Ubud, Bali the more affordable choice for daily food spending.

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 Swords: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,408 in Ubud, Bali, $2,572 in Swords – roughly 83% apart. Swords costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,112 per month in Ubud, Bali and $3,859 in Swords. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 1084% less in Ubud, Bali. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $297 per month in Ubud, Bali and $1,075 in Swords. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,408, than in Swords at $2,572. In Ubud, Bali it covers expenses comfortably, while in Swords it requires careful planning or may not stretch far enough.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,408 in Ubud, Bali to $2,572 in Swords. Climate, culture, job market, and personal taste all factor in.

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 Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Swords makes more sense. Both are solid long-term options with distinct trade-offs.