Last update: Oct 2026

Cost of Living Comparison Between Winterthur and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,759 in Winterthur, rent and utilities included – about $28,900 less a year. Rent and utilities account for about half of the difference.

182

Cost of Living Index in Winterthur
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Winterthur Living Index
65

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

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Winterthur

🇨🇭 Switzerland

$3,759

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Winterthur and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,759 in Winterthur versus $1,349 in Ubud, Bali.

Winterthur $3,759
Ubud, Bali $1,349

Estimated couple costs with rent: $5,534 in Winterthur versus $2,305 in Ubud, Bali.

Winterthur $5,534
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $7,309 in Winterthur versus $3,261 in Ubud, Bali.

Winterthur $7,309
Ubud, Bali $3,261

Living in Winterthur is roughly 179% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$29.70 CHF 24.37

$3.32 Rp 60.3K

794.58%

Three-Course Dinner for Two, Mid-Range

$121 CHF 99.4

$35.64 Rp 646.7K

239.96%

Fast Food Meal (McDonalds, etc)

$17.77 CHF 14.58

$5.53 Rp 100.4K

221.34%

Cappuccino

$5.75 CHF 4.71

$2.72 Rp 49.3K

111.40%

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

$5.35 CHF 4.39

$1.70 Rp 30.9K

214.71%

Water (0.33 liter bottle)

$4.81 CHF 3.94

$0.76 Rp 13.8K

532.89%

Local Beer (0.5 liter draught)

$8.70 CHF 7.14

$2.65 Rp 48.2K

228.30%

Imported Beer (0.33 liter bottle)

$6.74 CHF 5.53

$4.38 Rp 79.5K

53.88%

Milk (1 liter)

$2.25 CHF 1.84

$1.49 Rp 27.1K

51.01%

White Bread (500g)

$3.65 CHF 3.00

$2.28 Rp 41.3K

60.09%

Rice (white) (1kg)

$4.35 CHF 3.57

$1.19 Rp 21.6K

265.55%

Eggs

$7.05 CHF 5.79

$2.04 Rp 36.9K

245.59%

Local Cheese (1kg)

$30.76 CHF 25.24

$17.70 Rp 321.2K

73.79%

Chicken Fillets (1kg)

$29.27 CHF 24.01

$3.96 Rp 71.9K

639.14%

Beef Round Steak (1kg)

$42.10 CHF 34.54

$12.19 Rp 221.2K

245.37%

Apples (1kg)

$4.05 CHF 3.32

$3.66 Rp 66.3K

10.66%

Banana (1kg)

$2.08 CHF 1.71

$1.52 Rp 27.5K

36.84%

Oranges (1kg)

$3.02 CHF 2.48

$2.23 Rp 40.4K

35.43%

Tomato (1kg)

$6.61 CHF 5.42

$1.97 Rp 35.8K

235.53%

Potato (1kg)

$2.33 CHF 1.91

$1.85 Rp 33.5K

25.95%

Onion (1kg)

$2.51 CHF 2.06

$2.42 Rp 44.0K

3.72%

Lettuce (1 head)

$2.29 CHF 1.87

$0.99 Rp 18.0K

131.31%

Water (1.5 liter bottle)

$1.11 CHF 0.91

$0.51 Rp 9,316

117.65%

Cigarettes 20 Pack (Marlboro, Camel)

$10.68 CHF 8.76

$2.22 Rp 40.3K

381.08%

Wine (Bottle)

$12.15 CHF 9.97

$22.24 Rp 403.6K

-45.37%

Local Beer (0.5 liter bottle)

$2.78 CHF 2.28

$2.26 Rp 41.0K

23.01%

Imported Beer (0.33 liter bottle)

$3.56 CHF 2.92

$2.97 Rp 53.9K

19.87%

One-way Ticket (Public Transport)

$5.24 CHF 4.30

$0.25 Rp 4,555

1996.00%

Public Transport Monthly Pass (Regular Price)

$83.1 CHF 68.2

$7.82 Rp 142.0K

962.92%

Taxi Start (Normal Tariff)

$4.42 CHF 3.63

$0.44 Rp 7,975

904.55%

Taxi (Normal Tariff) (1km)

$2.96 CHF 2.43

$0.43 Rp 7,804

588.37%

Taxi 1hour Waiting (Normal Tariff)

$61.3 CHF 50.3

$5.41 Rp 98.2K

1032.53%

Gasoline (1 liter)

$2.28 CHF 1.87

$0.82 Rp 15.0K

178.05%

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

$38.6K CHF 31.7K

$23.8K Rp 432.6M

62.04%

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

$38.6K CHF 31.7K

$31.7K Rp 576.1M

21.63%

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

$417 CHF 342

$79.1 Rp 1.4M

427.47%

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

$28.64 CHF 23.50

$6.45 Rp 117.0K

344.03%

Internet (50+ Mbps, Unlimited Data)

$66.3 CHF 54.4

$18.58 Rp 337.1K

256.78%

Gym Membership (Monthly)

$71.5 CHF 58.6

$49.48 Rp 897.9K

44.42%

Tennis Court (1 Hour on Weekend)

$26.10 CHF 21.41

$17.65 Rp 320.2K

47.88%

Cinema Ticket

$21.50 CHF 17.64

$4.27 Rp 77.6K

403.51%

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

$1,495 CHF 1,227

$491 Rp 8.9M

204.82%

International Primary School, 1 Child (Yearly)

$24.7K CHF 20.3K

$5,674 Rp 103.0M

335.95%

Jeans (Levis 501 Or Similar)

$181 CHF 148

$44.64 Rp 810.0K

304.35%

Summer Dress (H&M, Zara, etc)

$125 CHF 102

$34.95 Rp 634.2K

256.77%

Sport Shoes (Adidas, Nike)

$173 CHF 142

$79.9 Rp 1.4M

116.68%

Men's Leather Business Shoes

$325 CHF 267

$79.4 Rp 1.4M

309.53%

1-bedroom Apartment, City Center (Monthly)

$2,166 CHF 1,777

$1,125 Rp 20.4M

92.58%

1-bedroom Apartment, Outside City Center (Monthly)

$1,563 CHF 1,282

$671 Rp 12.2M

132.72%

3-bedroom Apartment, City Center (Monthly)

$3,461 CHF 2,839

$3,565 Rp 64.7M

-2.90%

3-bedroom Apartment, Outside City Center (Monthly)

$2,436 CHF 1,998

$1,723 Rp 31.3M

41.36%

Buy Apartment in City Center (m2)

$21.3K CHF 17.5K

$2,732 Rp 49.6M

681.53%

Buy Apartment Outside City Center (m2)

$15.2K CHF 12.5K

$2,284 Rp 41.4M

565.87%

Average Monthly Net Salary (After Tax)

$6,646 CHF 5,452

$164 Rp 3.0M

3956.56%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.41

13.78

-82.51%

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

Last update for Winterthur: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Winterthur

$1.6K 41.6%

Ubud, Bali

$672 49.8% 57% $891

Groceries & Markets

Winterthur

$627 16.7%

Ubud, Bali

$288 21.4% 54% $339

Monthly Utilities & Internet

Winterthur

$512 13.6%

Ubud, Bali

$104 7.7% 79.7% $408

Eating Out

Winterthur

$458 12.2%

Ubud, Bali

$108 8% 76.5% $350

Clothing & Footwear

Winterthur

$362 9.6%

Ubud, Bali

$108 8% 70.3% $254

Getting Around

Winterthur

$123 3.3%

Ubud, Bali

$11 0.9% 90.7% $112

Sport & Entertainment

Winterthur

$114 3.1%

Ubud, Bali

$58 4.3% 49.3% $56

Cost Breakdown

A one-bedroom apartment in the center runs $2,166 in Winterthur and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Winterthur pays about 41 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $121 in Winterthur vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $627 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Winterthur

🇮🇩 Ubud, Bali

🕒 Local time

22:00 10:00 PM

05:00 5:00 AM

7 h ahead of Winterthur

🌤 Weather

👥 Population

108,044

74,800

💱 Currency

Swiss Franc CHF Fr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CHF = 1.22 USD

1 CHF = 1.09 EUR

100,000 IDR = 5.51 USD

100,000 IDR = 4.92 EUR

Exchange rates and currency converter

IDR, USD, EUR to CHF – Swiss Franc Converter

🇺🇸 United States Dollar ($)

🇨🇭 Swiss Franc (Fr)

Swiss Franc exchange rates as of November 2, 2026: 1 USD = 0.82 CHF (1 CHF = 1.22 USD). 1 EUR = 0.919 CHF (1 CHF = 1.09 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,337 IDR (100,000 IDR = 4.92 EUR).

USD to CHF in detail →

On the map

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Between locations

Winterthur Ubud, Bali 11,940 km ≈ 15 h nonstop flight

From you

Winterthur
Ubud, Bali

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

Winterthur vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 64% lower than in Winterthur. Housing and daily spending are where you’ll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

Average pay in Winterthur is about 41 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,166 in Winterthur versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,495 in Winterthur versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 117% higher in Winterthur. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both work as nomad bases, but Ubud, Bali delivers better value at $1,349 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Winterthur and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 64% less than in Winterthur. Beyond cost, consider language, visa policies, and how big the international community is in each city.