Cost of Living in Ballarat - Updated Prices & Insights

Monthly Cost of Living

Living costs for one person come to about $1,663 monthly including rent, or $893 excluding housing.

Estimated monthly costs for a couple: $2,699 with rent, or $1,671 without housing.

Monthly costs for a family of three come to about $3,734 including rent, or $2,449 for daily expenses alone.

Ballarat sits 24–32% above the global median across household types. Within Oceania, costs are 17% below average – relatively affordable for the region.

Currency
Do you live in Ballarat? Add cost details
🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$13.78 A$19.20
$9.62 A$13.40
$32.04 A$44.65
Three-Course Dinner for Two, Mid-Range
$66.0 A$91.9
$52.8 A$73.6
$132 A$184
Fast Food Meal (McDonalds, etc)
$9.60 A$13.38
$8.31 A$11.58
$11.52 A$16.05
Cappuccino
$3.48 A$4.84
$2.52 A$3.52
$5.68 A$7.91
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.61 A$3.64
$1.99 A$2.77
$3.65 A$5.08
Water (0.33 liter bottle)
$2.09 A$2.91
$1.32 A$1.84
$3.29 A$4.59
Local Beer (0.5 liter draught)
$6.15 A$8.57
$4.53 A$6.31
$9.71 A$13.53
Imported Beer (0.33 liter bottle)
$6.79 A$9.47
$5.17 A$7.21
$9.71 A$13.53
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$1.44 A$2.01
$0.98 A$1.37
$3.17 A$4.42
White Bread (500g)
$2.49 A$3.47
$1.07 A$1.50
$3.80 A$5.30
Rice (white) (1kg)
$1.57 A$2.19
$1.18 A$1.64
$3.27 A$4.56
Eggs
$4.03 A$5.62
$2.90 A$4.05
$6.82 A$9.50
Local Cheese (1kg)
$9.10 A$12.68
$5.60 A$7.81
$23.77 A$33.12
Chicken Fillets (1kg)
$9.04 A$12.60
$5.71 A$7.95
$12.06 A$16.80
Beef Round Steak (1kg)
$14.67 A$20.44
$7.78 A$10.84
$25.95 A$36.16
Apples (1kg)
$3.22 A$4.49
$2.27 A$3.16
$3.88 A$5.41
Banana (1kg)
$2.81 A$3.91
$1.28 A$1.78
$4.48 A$6.24
Oranges (1kg)
$2.84 A$3.96
$1.85 A$2.58
$5.83 A$8.12
Tomato (1kg)
$3.87 A$5.40
$2.61 A$3.64
$5.34 A$7.44
Potato (1kg)
$2.69 A$3.74
$1.20 A$1.67
$3.82 A$5.33
Onion (1kg)
$2.26 A$3.15
$1.61 A$2.24
$3.21 A$4.47
Lettuce (1 head)
$2.14 A$2.98
$1.28 A$1.78
$5.12 A$7.13
Water (1.5 liter bottle)
$1.00 A$1.40
$0.51 A$0.71
$3.20 A$4.45
Cigarettes 20 Pack (Marlboro, Camel)
$31.17 A$43.43
$25.97 A$36.18
$42.20 A$58.8
Wine (Bottle)
$14.07 A$19.61
$10.56 A$14.71
$24.62 A$34.31
Local Beer (0.5 liter bottle)
$2.15 A$3.00
$1.47 A$2.06
$9.60 A$13.37
Imported Beer (0.33 liter bottle)
$3.01 A$4.20
$2.01 A$2.79
$8.02 A$11.18
🚌 Getting Around
Cost
Range
One-way Ticket (Public Transport)
$1.66 A$2.31
$1.66 A$2.31
$5.11 A$7.12
Public Transport Monthly Pass (Regular Price)
$65.3 A$91.0
$22.63 A$31.54
$65.3 A$91.0
Taxi Start (Normal Tariff)
$2.36 A$3.28
$2.36 A$3.28
$6.55 A$9.12
Taxi (Normal Tariff) (1km)
$1.21 A$1.69
$1.20 A$1.67
$1.91 A$2.66
Taxi 1hour Waiting (Normal Tariff)
$25.03 A$34.88
$25.03 A$34.88
$42.37 A$59.0
Gasoline (1 liter)
$1.11 A$1.55
$1.04 A$1.46
$1.35 A$1.88
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$27.6K A$38.5K
$25.8K A$36.0K
$28.7K A$39.9K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$22.8K A$31.8K
$21.1K A$29.3K
$25.2K A$35.1K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$153 A$213
$103 A$143
$262 A$366
SIM Card Monthly Plan (Calls and 10GB+ Data)
$21.26 A$29.63
$12.43 A$17.32
$39.25 A$54.7
Internet (50+ Mbps, Unlimited Data)
$50.5 A$70.3
$44.52 A$62.0
$116 A$162
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$32.00 A$44.59
$18.82 A$26.23
$45.18 A$63.0
Tennis Court (1 Hour on Weekend)
$15.80 A$22.02
$7.86 A$10.95
$15.80 A$22.02
Cinema Ticket
$10.86 A$15.13
$7.66 A$10.67
$17.87 A$24.91
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$329 A$458
$329 A$458
$2,103 A$2,931
International Primary School, 1 Child (Yearly)
$19.5K A$27.1K
$13.1K A$18.2K
$28.1K A$39.2K
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$65.1 A$90.7
$32.44 A$45.21
$97.3 A$136
Summer Dress (H&M, Zara, etc)
$52.9 A$73.8
$25.77 A$35.91
$96.7 A$135
Sport Shoes (Adidas, Nike)
$87.3 A$122
$65.0 A$90.5
$164 A$229
Men's Leather Business Shoes
$93.8 A$131
$66.2 A$92.2
$165 A$231
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$861 A$1,199
$788 A$1,099
$1,005 A$1,401
1-bedroom Apartment, Outside City Center (Monthly)
$638 A$888
$528 A$735
$726 A$1,011
3-bedroom Apartment, City Center (Monthly)
$2,015 A$2,808
$1,625 A$2,264
$2,470 A$3,442
3-bedroom Apartment, Outside City Center (Monthly)
$1,350 A$1,881
$1,286 A$1,792
$1,928 A$2,687
Buy Apartment in City Center (m2)
$4,884 A$6,806
-
Buy Apartment Outside City Center (m2)
$3,585 A$4,995
-
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$3,249 A$4,527
-
20-Year Fixed Mortgage Interest Rate (Annual %)
6.07
3.4
6.92

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

Last update: June 1, 2026

Cost Breakdown

Expect to pay about $861 for a central one-bedroom, or $638 outside the center. At 26% of the average salary ($3,249), housing is the biggest financial pressure.

Average take-home pay sits at $3,249, while typical expenses reach $1,663. This leaves solid room for saving and lifestyle spending.

Expect to spend about $320 monthly on groceries. Dining out at a mid-range restaurant costs roughly $66.0 for two – above the Oceanian average of $57.0.

Public transport is priced at around $65.3 per month – roughly in line with the Oceanian average of $58.0.

Cost Highlights

Ballarat has the 10th cheapest gasoline in Oceania

Gym membership is cheaper than 93% of cities in Oceania

Preschool or kindergarten, full day, private, 1 child is cheaper than 92% of cities in Oceania

Ballarat Median Internet Speeds (Updated April 2026)

Mobile

Download
Mbps
Upload
Mbps
Latency
ms

Fixed Broadband

Download
Mbps
Upload
Mbps
Latency
ms
The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.
Digital Nomad Cost of Living Index
City tags:
Cost of Living in Ballarat - Frequently Asked Questions
How affordable is Ballarat overall, and who tends to find it good value?
Ballarat offers a balanced entry point for those who want a smaller city feel with modern amenities. You'll likely find your daily costs smoother than in Melbourne or coastal hubs, thanks to a smaller pace and fewer high-tourist price pressures, while still enjoying cafés, eateries, and reliable services. This helps you stretch a budget without sacrificing access to essentials. For a quick reference point, Cost of Living in Ballarat, Australia can serve as a benchmark to compare rent, groceries, and local transport against other hubs. Tip: map out a few neighborhoods you like, then visit midweek to gauge value without crowds.
What does daily life look like in Ballarat for housing, food, transport, and work needs?
On a practical day-to-day level, you'll find housing options that fit different styles, from compact apartments in Ballarat Central to larger homes in Alfredton or Wendouree. For budgeting, focus on lease terms and utilities, and look for places where heating and cooling are efficient. You'll notice a growing cafe scene, markets, and casual dining that keeps options affordable. Getting around often works well by bike or bus, with a walkable center and easy access to nature trails on weekends. When you need a productive space, several coworking spots and libraries welcome remote workers. Ballarat, Australia living cost is approachable for a regional city, especially if you balance rent with occasional self-catering. Tip: map out neighborhoods you like and visit midweek to compare value.
What aspects of quality of life should you weigh, and how can you plan for seasonality and neighborhood fit?
Quality of life in Ballarat blends access to parks, galleries, and a calm, walkable center with easy day trips to nature. To budget thoughtfully, use a simple framework: list essentials (rent, utilities, groceries), estimate discretionary spending, and set a flexible buffer for seasonal heating and travel. Seek neighborhoods that match your pace – Ballarat Central for nightlife proximity, Alfredton for family-friendly space, or Wendouree for a quieter street layout. Seasonality affects activities and costs, so plan outdoor weekends in milder months and use indoor markets or libraries for cost-effective weeks. Tip: prioritize a trial stay in a few neighborhoods to gauge daily rhythms and access.
Is Ballarat worth the cost of living?
At around $1,663 monthly all-in, Ballarat offers decent value. It's not the cheapest and not the priciest – a good fit for people who want city convenience without capital-level costs.
Is Ballarat expensive to live in?
Everyday life in Ballarat is moderately priced at about $1,663 per month, rent included. Groceries and transport stay reasonable, though dining out and entertainment can feel a bit pricier than in budget destinations.
What is a good salary in Ballarat?
Earning $2,495 monthly in Ballarat means you're living well – a one-bedroom, regular groceries, transport, and some entertainment without stress. That's the threshold where most residents feel genuinely comfortable rather than just getting by.
How much does a 1-bedroom apartment cost in Ballarat?
Rents for a 1-bedroom flat in Ballarat range from $638 to $861, depending on location and condition. Central apartments sit at the top of that range; outer neighborhoods and suburbs deliver noticeably better value per square meter.
How expensive is a gym membership in Ballarat?
A regular gym membership in Ballarat costs around $32.00 monthly. It's a reasonable expense that fits into most budgets, and you generally get decent facilities for the price.
What is a typical grocery budget in Ballarat?
Expect to spend around $320 per month on groceries in Ballarat. Neither cheap nor expensive by global standards – everyday items are fairly priced, though imported or specialty products cost more.
Can a person live on $2,000 monthly in Ballarat?
Living on $2,000 in Ballarat means careful planning, since monthly costs average $1,663. It works with a cheap apartment and disciplined spending, but expect trade-offs on where you live, how often you eat out, and entertainment.
Is Ballarat a good place to live?
Living in Ballarat means access to fast internet, low crime rates, clean air at about $1,663 per month including rent. It works for a wide range of budgets, and most residents find the lifestyle-to-cost balance appealing. Your experience will depend on priorities like climate, culture, and career.
Can you save money living in Ballarat?
Monthly expenses in Ballarat run around $1,663, so putting money aside takes more than $2,495 in income. Keeping housing costs low and avoiding lifestyle creep are the keys to building a decent savings rate here.

Ballarat vs other spots: cost of living compared

Nearby cities

Similar cities