Cost of Living in Cambridge - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $818 (excluding rent), and $2,267 including rent.

Family of 3: Estimated monthly costs are $1,826 (excluding rent), and $3,783 including rent.

Meal at Budget Restaurant

$13.47 NZ$22.63

$11.97 NZ$20.11

$29.93 NZ$50.3

Three-Course Dinner for Two, Mid-Range

$36.27 NZ$60.9

$181 NZ$305

Fast Food Meal (McDonalds, etc)

$9.03 NZ$15.17

$15.05 NZ$25.28

Cappuccino

$3.09 NZ$5.19

$4.33 NZ$7.28

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

$2.32 NZ$3.89

$1.78 NZ$3.00

$2.97 NZ$4.99

Water (0.33 liter bottle)

$2.18 NZ$3.67

$1.79 NZ$3.00

$2.97 NZ$5.00

Local Beer (0.5 liter draught)

$4.95 NZ$8.31

$9.28 NZ$15.59

Imported Beer (0.33 liter bottle)

$6.22 NZ$10.44

$5.04 NZ$8.46

$8.88 NZ$14.92

Milk (1 liter)

$1.69 NZ$2.84

$0.85 NZ$1.44

$2.91 NZ$4.89

White Bread (500g)

$1.61 NZ$2.70

$0.73 NZ$1.23

$2.93 NZ$4.93

Rice (white) (1kg)

$1.90 NZ$3.19

$1.08 NZ$1.82

$2.00 NZ$3.37

Eggs

$6.18 NZ$10.39

$5.82 NZ$9.78

$7.28 NZ$12.23

Local Cheese (1kg)

$7.99 NZ$13.43

$5.88 NZ$9.88

$12.94 NZ$21.73

Chicken Fillets (1kg)

$9.22 NZ$15.49

$5.45 NZ$9.15

$12.10 NZ$20.32

Beef Round Steak (1kg)

$12.45 NZ$20.92

$7.60 NZ$12.76

$15.18 NZ$25.50

Apples (1kg)

$2.41 NZ$4.04

$1.18 NZ$1.98

$3.52 NZ$5.91

Banana (1kg)

$1.81 NZ$3.04

$1.53 NZ$2.58

$2.36 NZ$3.96

Oranges (1kg)

$2.42 NZ$4.07

$1.82 NZ$3.06

$5.45 NZ$9.15

Tomato (1kg)

$3.09 NZ$5.19

$1.55 NZ$2.60

$4.95 NZ$8.31

Potato (1kg)

$2.12 NZ$3.57

$1.22 NZ$2.05

$3.64 NZ$6.12

Onion (1kg)

$1.79 NZ$3.01

$0.89 NZ$1.49

$2.98 NZ$5.00

Lettuce (1 head)

$2.13 NZ$3.58

$1.23 NZ$2.07

$3.39 NZ$5.69

Water (1.5 liter bottle)

$1.26 NZ$2.12

$0.59 NZ$1.00

$2.98 NZ$5.01

Cigarettes 20 Pack (Marlboro, Camel)

$20.43 NZ$34.32

$18.16 NZ$30.51

$25.43 NZ$42.72

Wine (Bottle)

$10.86 NZ$18.24

$8.44 NZ$14.17

$15.07 NZ$25.32

Local Beer (0.5 liter bottle)

$2.46 NZ$4.13

$1.20 NZ$2.01

$7.24 NZ$12.16

Imported Beer (0.33 liter bottle)

$2.59 NZ$4.35

$1.47 NZ$2.47

$4.69 NZ$7.88

One-way Ticket (Public Transport)

$2.97 NZ$4.99

$1.34 NZ$2.26

$2.97 NZ$4.99

Public Transport Monthly Pass (Regular Price)

$65.3 NZ$110

$8.30 NZ$13.94

$65.3 NZ$110

Taxi Start (Normal Tariff)

$2.78 NZ$4.66

$1.85 NZ$3.11

$3.08 NZ$5.18

Taxi (Normal Tariff) (1km)

$2.00 NZ$3.35

$1.54 NZ$2.58

$3.88 NZ$6.52

Taxi 1hour Waiting (Normal Tariff)

$35.88 NZ$60.3

$30.67 NZ$51.5

$36.81 NZ$61.8

Gasoline (1 liter)

$1.67 NZ$2.80

$1.56 NZ$2.62

$1.70 NZ$2.85

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

$27.2K NZ$45.7K

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

$22.9K NZ$38.5K

$22.0K NZ$37.0K

$23.8K NZ$40.0K

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

$109 NZ$182

$333 NZ$560

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

$37.48 NZ$63.0

$21.15 NZ$35.53

$48.36 NZ$81.2

Internet (50+ Mbps, Unlimited Data)

$39.59 NZ$66.5

$60.9 NZ$102

Gym Membership (Monthly)

$36.45 NZ$61.2

$16.72 NZ$28.10

$49.29 NZ$82.8

Tennis Court (1 Hour on Weekend)

$11.86 NZ$19.92

$4.74 NZ$7.96

$15.42 NZ$25.90

Cinema Ticket

$9.19 NZ$15.43

$7.97 NZ$13.38

$11.03 NZ$18.52

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

$751 NZ$1,262

International Primary School, 1 Child (Yearly)

$11.9K NZ$20.1K

$10.2K NZ$17.1K

$14.9K NZ$25.1K

Jeans (Levis 501 Or Similar)

$99.0 NZ$166

$45.00 NZ$75.6

$180 NZ$302

Summer Dress (H&M, Zara, etc)

$57.2 NZ$96.2

$21.09 NZ$35.42

$121 NZ$202

Sport Shoes (Adidas, Nike)

$102 NZ$171

$71.1 NZ$119

$118 NZ$199

Men's Leather Business Shoes

$127 NZ$213

$41.70 NZ$70.1

$149 NZ$250

1-bedroom Apartment, City Center (Monthly)

$947 NZ$1,592

$711 NZ$1,194

$1,303 NZ$2,189

1-bedroom Apartment, Outside City Center (Monthly)

$1,195 NZ$2,007

$418 NZ$703

$1,195 NZ$2,007

3-bedroom Apartment, City Center (Monthly)

$2,085 NZ$3,502

$1,191 NZ$2,001

$2,085 NZ$3,502

3-bedroom Apartment, Outside City Center (Monthly)

$1,583 NZ$2,660

$1,462 NZ$2,455

$1,705 NZ$2,865

Buy Apartment in City Center (m2)

$5,034 NZ$8,457

$1,921 NZ$3,228

$5,912 NZ$9,932

Buy Apartment Outside City Center (m2)

$3,527 NZ$5,925

$1,807 NZ$3,035

$5,059 NZ$8,499

Average Monthly Net Salary (After Tax)

$2,697 NZ$4,532

20-Year Fixed Mortgage Interest Rate (Annual %)

5.79

7.5

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

Last update: March 2, 2026

Cambridge Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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Cost of Living in Cambridge - Frequently Asked Questions

Cambridge offers a very reasonable balance of value and quality of life for travelers, expats, and digital nomads. The town’s compact center makes essentials feel reachable on foot, while nearby green spaces and quieter streets keep daily life relaxed. Housing options range from cosy cottages to practical townhouses, often with more space than you'd expect for the price in major cities. Local markets, affordable cafés, and family-run eateries help your budget go further without sacrificing convenience. Cost of Living in Cambridge, New Zealand is a useful reference when planning your stay and comparing options across neighborhoods. Tip: plan a short first week with flexible housing to test fits.

Daily life centers on a walkable town core, with plenty of options for rental homes in central streets or leafy suburbs near parks. Start your housing search by checking local listings and walking tours of neighborhoods; you’ll often find longer-term leases that suit flexible plans. Food options range from farmers’ markets to affordable cafés and takeaway rotisseries or bakeries. For getting around, cycling routes and a compact bus network cover the town, with car-sharing or occasional drives to nearby Hamilton for bigger shopping. For work, several coworking spaces host daily meetups and reliable Wi-Fi. Cambridge, New Zealand living cost stays moderate for most days. Tip: block out peak hours for errands to save time and fuel.

Quality of life in Cambridge blends safety, accessibility, and a community vibe. To budget effectively, group your costs by housing, groceries, transport, and leisure, then set simple caps and track weekly, adjusting with seasons. Summer activities include cycling, lakeside walks, and outdoor markets; winter brings indoor cafés, libraries, and community events – plan for those slower days. When choosing a neighborhood, consider walkability to the town center, proximity to parks, and access to bus routes or cycleways. Compare options by consistency of rent, distance to essential services, and your preferred pace. Tip: test a few neighborhoods by spending a weekend there to feel the rhythm.