Last update: Oct 2026

Cost of Living Comparison Between Zermatt and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $3,441 in Zermatt, rent and utilities included – about $25,100 less a year. Rent and utilities account for about half of the difference.

166

Cost of Living Index in Zermatt
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Zermatt Living Index
65

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

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Zermatt

🇨🇭 Switzerland

$3,441

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Zermatt 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 Zermatt and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,441 in Zermatt versus $1,349 in Ubud, Bali.

Zermatt $3,441
Ubud, Bali $1,349

Estimated couple costs with rent: $5,226 in Zermatt versus $2,305 in Ubud, Bali.

Zermatt $5,226
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $7,010 in Zermatt versus $3,261 in Ubud, Bali.

Zermatt $7,010
Ubud, Bali $3,261

Living in Zermatt is roughly 155% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$29.72 CHF 24.64

$3.32 Rp 59.9K

795.18%

Three-Course Dinner for Two, Mid-Range

$121 CHF 101

$35.64 Rp 642.4K

240.88%

Fast Food Meal (McDonalds, etc)

$18.42 CHF 15.27

$5.53 Rp 99.7K

233.09%

Cappuccino

$5.91 CHF 4.90

$2.72 Rp 49.0K

117.28%

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

$5.40 CHF 4.47

$1.70 Rp 30.7K

217.65%

Water (0.33 liter bottle)

$4.87 CHF 4.03

$0.76 Rp 13.7K

540.79%

Local Beer (0.5 liter draught)

$8.92 CHF 7.39

$2.65 Rp 47.8K

236.60%

Imported Beer (0.33 liter bottle)

$7.36 CHF 6.10

$4.38 Rp 79.0K

68.04%

Milk (1 liter)

$2.21 CHF 1.83

$1.49 Rp 26.9K

48.32%

White Bread (500g)

$3.58 CHF 2.96

$2.28 Rp 41.0K

57.02%

Rice (white) (1kg)

$3.71 CHF 3.08

$1.19 Rp 21.5K

211.76%

Eggs

$7.90 CHF 6.55

$2.04 Rp 36.7K

287.25%

Local Cheese (1kg)

$26.11 CHF 21.64

$17.70 Rp 319.1K

47.51%

Chicken Fillets (1kg)

$27.74 CHF 22.99

$3.96 Rp 71.4K

600.51%

Beef Round Steak (1kg)

$40.83 CHF 33.85

$12.19 Rp 219.7K

234.95%

Apples (1kg)

$3.58 CHF 2.97

$3.66 Rp 65.9K

-2.19%

Banana (1kg)

$2.06 CHF 1.70

$1.52 Rp 27.4K

35.53%

Oranges (1kg)

$2.77 CHF 2.29

$2.23 Rp 40.2K

24.22%

Tomato (1kg)

$4.64 CHF 3.85

$1.97 Rp 35.6K

135.53%

Potato (1kg)

$1.79 CHF 1.48

$1.85 Rp 33.3K

-3.24%

Onion (1kg)

$2.08 CHF 1.72

$2.42 Rp 43.7K

-14.05%

Lettuce (1 head)

$2.24 CHF 1.85

$0.99 Rp 17.8K

126.26%

Water (1.5 liter bottle)

$1.25 CHF 1.04

$0.51 Rp 9,255

145.10%

Cigarettes 20 Pack (Marlboro, Camel)

$10.83 CHF 8.98

$2.22 Rp 40.0K

387.84%

Wine (Bottle)

$12.94 CHF 10.73

$22.24 Rp 400.9K

-41.82%

Local Beer (0.5 liter bottle)

$2.71 CHF 2.24

$2.26 Rp 40.7K

19.91%

Imported Beer (0.33 liter bottle)

$3.21 CHF 2.66

$2.97 Rp 53.5K

8.08%

One-way Ticket (Public Transport)

$4.25 CHF 3.52

$0.25 Rp 4,525

1600.00%

Public Transport Monthly Pass (Regular Price)

$101 CHF 83.4

$7.82 Rp 141.0K

1186.32%

Taxi Start (Normal Tariff)

$7.76 CHF 6.43

$0.44 Rp 7,923

1663.64%

Taxi (Normal Tariff) (1km)

$4.63 CHF 3.83

$0.43 Rp 7,753

976.74%

Taxi 1hour Waiting (Normal Tariff)

$74.8 CHF 62.0

$5.41 Rp 97.5K

1282.62%

Gasoline (1 liter)

$2.28 CHF 1.89

$0.82 Rp 14.9K

178.05%

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

$39.3K CHF 32.6K

$23.8K Rp 429.7M

64.77%

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

$39.7K CHF 32.9K

$31.7K Rp 572.3M

25.09%

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

$281 CHF 233

$79.1 Rp 1.4M

254.84%

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

$32.46 CHF 26.91

$6.45 Rp 116.2K

403.26%

Internet (50+ Mbps, Unlimited Data)

$56.9 CHF 47.13

$18.58 Rp 334.9K

206.03%

Gym Membership (Monthly)

$87.8 CHF 72.8

$49.48 Rp 892.0K

77.53%

Tennis Court (1 Hour on Weekend)

$46.76 CHF 38.76

$17.65 Rp 318.1K

164.93%

Cinema Ticket

$23.47 CHF 19.46

$4.27 Rp 77.0K

449.65%

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

$2,954 CHF 2,449

$491 Rp 8.8M

502.24%

International Primary School, 1 Child (Yearly)

$32.4K CHF 26.9K

$5,674 Rp 102.3M

471.23%

Jeans (Levis 501 Or Similar)

$139 CHF 115

$44.64 Rp 804.7K

211.58%

Summer Dress (H&M, Zara, etc)

$57.8 CHF 47.91

$34.95 Rp 630.1K

65.38%

Sport Shoes (Adidas, Nike)

$162 CHF 135

$79.9 Rp 1.4M

103.30%

Men's Leather Business Shoes

$189 CHF 157

$79.4 Rp 1.4M

137.94%

1-bedroom Apartment, City Center (Monthly)

$2,219 CHF 1,840

$1,125 Rp 20.3M

97.29%

1-bedroom Apartment, Outside City Center (Monthly)

$1,489 CHF 1,234

$671 Rp 12.1M

121.80%

3-bedroom Apartment, City Center (Monthly)

$2,968 CHF 2,460

$3,565 Rp 64.3M

-16.73%

3-bedroom Apartment, Outside City Center (Monthly)

$2,501 CHF 2,073

$1,723 Rp 31.1M

45.10%

Buy Apartment in City Center (m2)

$16.6K CHF 13.8K

$2,732 Rp 49.2M

509.17%

Buy Apartment Outside City Center (m2)

$12.5K CHF 10.4K

$2,284 Rp 41.2M

449.17%

Average Monthly Net Salary (After Tax)

$9,590 CHF 7,949

$164 Rp 3.0M

5753.45%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.07

13.78

-84.98%

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

Last update for Zermatt: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Zermatt

$1.5K 43.3%

Ubud, Bali

$672 49.8% 54.9% $818

Groceries & Markets

Zermatt

$588 17.1%

Ubud, Bali

$288 21.4% 50.9% $299

Eating Out

Zermatt

$464 13.5%

Ubud, Bali

$108 8% 76.8% $357

Monthly Utilities & Internet

Zermatt

$370 10.8%

Ubud, Bali

$104 7.7% 71.9% $266

Clothing & Footwear

Zermatt

$247 7.2%

Ubud, Bali

$108 8% 56.4% $139

Getting Around

Zermatt

$148 4.3%

Ubud, Bali

$11 0.9% 92.3% $137

Sport & Entertainment

Zermatt

$135 3.9%

Ubud, Bali

$58 4.3% 56.9% $77

Cost Breakdown

A one-bedroom apartment in the center runs $2,219 in Zermatt and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zermatt pays about 59 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $121 in Zermatt vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $588 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Zermatt

🇮🇩 Ubud, Bali

🕒 Local time

15:03 3:03 PM

22:03 10:03 PM

7 h ahead of Zermatt

🌤 Weather

👥 Population

5,800

74,800

💱 Currency

Swiss Franc CHF Fr

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 CHF = 1.21 USD

1 CHF = 1.08 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 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 October 28, 2026: 1 USD = 0.829 CHF (1 CHF = 1.21 USD). 1 EUR = 0.923 CHF (1 CHF = 1.08 EUR).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to CHF in detail →

On the map

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Highest

Between locations

Zermatt Ubud, Bali 12,040 km ≈ 16 h nonstop flight

From you

Zermatt
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

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

Ubud, Bali wins on cost – living expenses run 61% lower than in Zermatt. 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 Zermatt is about 59 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: $2,219 in Zermatt versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,954 in Zermatt 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 104% higher in Zermatt. 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 cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Zermatt and Ubud, Bali 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 Ubud, Bali gentler on the wallet – expenses run 61% less than in Zermatt. Beyond cost, consider language, visa policies, and how big the international community is in each city.