Last update: Oct 2026

Cost of Living Comparison Between Zug and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $4,837 in Zug, rent and utilities included – about $41,800 less a year. Rent and utilities account for most of the difference.

236

Cost of Living Index in Zug
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Zug Living Index
66

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

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Zug

🇨🇭 Switzerland

$4,837

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $4,837 in Zug versus $1,353 in Ubud, Bali.

Zug $4,837
Ubud, Bali $1,353

Estimated couple costs with rent: $7,605 in Zug versus $2,297 in Ubud, Bali.

Zug $7,605
Ubud, Bali $2,297

Monthly costs for a family of three with rent: $10.4K in Zug versus $3,241 in Ubud, Bali.

Zug $10.4K
Ubud, Bali $3,241

Living in Zug is roughly 257% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$36.92 CHF 30.56

$3.23 Rp 58.1K

1043.03%

Three-Course Dinner for Two, Mid-Range

$178 CHF 148

$34.88 Rp 627.0K

411.38%

Fast Food Meal (McDonalds, etc)

$23.76 CHF 19.66

$5.70 Rp 102.4K

316.84%

Cappuccino

$7.12 CHF 5.90

$2.62 Rp 47.0K

171.76%

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

$6.16 CHF 5.10

$1.72 Rp 31.0K

258.14%

Water (0.33 liter bottle)

$6.03 CHF 4.99

$0.81 Rp 14.6K

644.44%

Local Beer (0.5 liter draught)

$9.45 CHF 7.82

$2.65 Rp 47.6K

256.60%

Imported Beer (0.33 liter bottle)

$7.71 CHF 6.38

$4.37 Rp 78.5K

76.43%

Milk (1 liter)

$2.19 CHF 1.81

$1.57 Rp 28.3K

39.49%

White Bread (500g)

$4.00 CHF 3.31

$2.19 Rp 39.4K

82.65%

Rice (white) (1kg)

$4.14 CHF 3.43

$1.18 Rp 21.1K

250.85%

Eggs

$7.88 CHF 6.52

$2.16 Rp 38.7K

264.81%

Local Cheese (1kg)

$27.44 CHF 22.71

$17.65 Rp 317.3K

55.47%

Chicken Fillets (1kg)

$31.40 CHF 25.99

$3.78 Rp 68.0K

730.69%

Beef Round Steak (1kg)

$41.61 CHF 34.44

$11.95 Rp 214.8K

248.20%

Apples (1kg)

$3.72 CHF 3.08

$3.60 Rp 64.8K

3.33%

Banana (1kg)

$1.95 CHF 1.62

$1.59 Rp 28.6K

22.64%

Oranges (1kg)

$2.83 CHF 2.34

$2.31 Rp 41.5K

22.51%

Tomato (1kg)

$5.35 CHF 4.43

$1.91 Rp 34.3K

180.10%

Potato (1kg)

$2.04 CHF 1.69

$1.78 Rp 32.0K

14.61%

Onion (1kg)

$2.21 CHF 1.83

$2.33 Rp 41.9K

-5.15%

Lettuce (1 head)

$2.40 CHF 1.99

$1.00 Rp 18.0K

140.00%

Water (1.5 liter bottle)

$1.33 CHF 1.10

$0.53 Rp 9,498

150.94%

Cigarettes 20 Pack (Marlboro, Camel)

$10.94 CHF 9.06

$2.29 Rp 41.1K

377.73%

Wine (Bottle)

$17.81 CHF 14.74

$22.07 Rp 396.8K

-19.30%

Local Beer (0.5 liter bottle)

$2.95 CHF 2.44

$2.35 Rp 42.2K

25.53%

Imported Beer (0.33 liter bottle)

$3.88 CHF 3.21

$2.98 Rp 53.5K

30.20%

One-way Ticket (Public Transport)

$4.88 CHF 4.04

$0.23 Rp 4,107

2021.74%

Public Transport Monthly Pass (Regular Price)

$161 CHF 133

$8.90 Rp 160.0K

1703.71%

Taxi Start (Normal Tariff)

$8.84 CHF 7.32

$0.47 Rp 8,456

1780.85%

Taxi (Normal Tariff) (1km)

$6.17 CHF 5.11

$0.43 Rp 7,728

1334.88%

Taxi 1hour Waiting (Normal Tariff)

$36.93 CHF 30.56

$5.47 Rp 98.3K

575.14%

Gasoline (1 liter)

$2.23 CHF 1.84

$0.83 Rp 14.9K

168.67%

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

$38.5K CHF 31.8K

$23.9K Rp 429.2M

61.07%

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

$39.7K CHF 32.8K

$32.8K Rp 589.4M

21.03%

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

$276 CHF 229

$80.0 Rp 1.4M

245.66%

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

$38.12 CHF 31.55

$6.56 Rp 117.9K

481.10%

Internet (50+ Mbps, Unlimited Data)

$61.7 CHF 51.1

$18.60 Rp 334.4K

231.77%

Gym Membership (Monthly)

$121 CHF 99.9

$54.1 Rp 972.9K

122.95%

Tennis Court (1 Hour on Weekend)

$32.40 CHF 26.81

$18.28 Rp 328.6K

77.24%

Cinema Ticket

$23.71 CHF 19.62

$4.25 Rp 76.4K

457.88%

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

$4,240 CHF 3,509

$493 Rp 8.9M

760.49%

International Primary School, 1 Child (Yearly)

$35.1K CHF 29.0K

$5,597 Rp 100.6M

526.68%

Jeans (Levis 501 Or Similar)

$168 CHF 139

$45.58 Rp 819.4K

267.53%

Summer Dress (H&M, Zara, etc)

$67.5 CHF 55.9

$34.96 Rp 628.6K

93.16%

Sport Shoes (Adidas, Nike)

$154 CHF 127

$77.7 Rp 1.4M

98.01%

Men's Leather Business Shoes

$272 CHF 225

$78.5 Rp 1.4M

245.85%

1-bedroom Apartment, City Center (Monthly)

$3,874 CHF 3,206

$1,131 Rp 20.3M

242.37%

1-bedroom Apartment, Outside City Center (Monthly)

$2,575 CHF 2,131

$673 Rp 12.1M

282.66%

3-bedroom Apartment, City Center (Monthly)

$6,833 CHF 5,655

$3,613 Rp 64.9M

89.14%

3-bedroom Apartment, Outside City Center (Monthly)

$4,953 CHF 4,099

$1,702 Rp 30.6M

191.04%

Buy Apartment in City Center (m2)

$31.1K CHF 25.7K

$2,717 Rp 48.9M

1042.91%

Buy Apartment Outside City Center (m2)

$21.2K CHF 17.5K

$2,241 Rp 40.3M

844.05%

Average Monthly Net Salary (After Tax)

$7,434 CHF 6,153

$166 Rp 3.0M

4368.46%

20-Year Fixed Mortgage Interest Rate (Annual %)

1.9

13.78

-86.21%

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

Last update for Zug: October 18, 2026

Last update for Ubud, Bali: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Zug

$2.6K 53.2%

Ubud, Bali

$673 49.7% 73.9% $1.9K

Groceries & Markets

Zug

$637 13.2%

Ubud, Bali

$287 21.2% 54.9% $350

Eating Out

Zug

$564 11.7%

Ubud, Bali

$106 7.9% 81.1% $457

Monthly Utilities & Internet

Zug

$376 7.8%

Ubud, Bali

$105 7.8% 72.1% $271

Clothing & Footwear

Zug

$297 6.2%

Ubud, Bali

$107 7.9% 64.2% $191

Getting Around

Zug

$220 4.5%

Ubud, Bali

$12 0.9% 94.3% $207

Sport & Entertainment

Zug

$168 3.5%

Ubud, Bali

$63 4.6% 62.7% $105

Cost Breakdown

A one-bedroom apartment in the center runs $3,874 in Zug and $1,131 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Zug pays about 45 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $178 in Zug vs $35 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $637 vs $287 per month, with Ubud, Bali cheaper across the board.

Good to know

🇨🇭 Zug

🇮🇩 Ubud, Bali

🕒 Local time

02:36 2:36 AM

09:36 9:36 AM

7 h ahead of Zug

🌤 Weather

👥 Population

29,251

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 = 5.56 USD

100,000 IDR = 4.97 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 27, 2026: 1 USD = 0.828 CHF (1 CHF = 1.21 USD). 1 EUR = 0.927 CHF (1 CHF = 1.08 EUR).

Indonesian Rupiah exchange rates as of October 27, 2026: 1 USD = 17,978 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,130 IDR (100,000 IDR = 4.97 EUR).

USD to CHF in detail →

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Between locations

Zug Ubud, Bali 11,960 km ≈ 15 h nonstop flight

From you

Zug
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

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

Ubud, Bali wins on cost – living expenses run 72% lower than in Zug. 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 Zug is about 45 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: $3,874 in Zug versus $1,131 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $4,240 in Zug versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 122% higher in Zug. 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.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Zug, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Zug 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 72% less than in Zug. Beyond cost, consider language, visa policies, and how big the international community is in each city.