As long as the narrator is a character, I think it's fine to swear in the narrative, if that's how the character thinks/talks.
Dialogue is the same, of course--not all characters swear, but if your character does, then that's just how they talk and it's fine.
I, personally, don't swear in real life and am not around people who do, so none of my characters (so far, anyway) swear. It's just not like them. If it was part of their personality, though, they would.
~Azila~
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