Last update: Oct 2026

Cost of Living Comparison Between Auckland and Mata Utu

For one person, living is cheaper in Auckland: $2,433 a month against $5,241 in Mata Utu, rent and utilities included – about $33,700 less a year. The total is higher in Mata Utu despite lower rent and utilities.

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Cost of Living Index in Auckland
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Auckland Living Index

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Auckland

🇳🇿 New Zealand

$2,433

/mo nomad

Mata Utu

🇼🇫 Wallis and Futuna

$5,241

/mo nomad

Monthly Cost of Living

How much you'll spend in Auckland and in Mata Utu

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Auckland and in Mata Utu actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,433 in Auckland versus $5,241 in Mata Utu.

Auckland $2,433
Mata Utu $5,241

Estimated couple costs with rent: $3,354 in Auckland versus $6,656 in Mata Utu.

Auckland $3,354
Mata Utu $6,656

Monthly costs for a family of three with rent: $4,274 in Auckland versus $8,071 in Mata Utu.

Auckland $4,274
Mata Utu $8,071

Living in Auckland costs roughly 54% less than in Mata Utu, and outside of rent the biggest gap is in utilities.

Both cities are pricier than the global median: Auckland 82% above, Mata Utu 291% above.

Meal at Budget Restaurant

$13.84 NZ$24.66

$11.06 CFPF 1,177

25.14%

Three-Course Dinner for Two, Mid-Range

$67.7 NZ$121

$111 CFPF 11.8K

-38.87%

Fast Food Meal (McDonalds, etc)

$9.14 NZ$16.29

Cappuccino

$3.36 NZ$5.98

$7.68 CFPF 817

-56.25%

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

$1.93 NZ$3.44

$5.73 CFPF 610

-66.32%

Water (0.33 liter bottle)

$1.73 NZ$3.09

$3.29 CFPF 350

-47.42%

Local Beer (0.5 liter draught)

$6.82 NZ$12.15

Imported Beer (0.33 liter bottle)

$6.54 NZ$11.65

$5.55 CFPF 591

17.84%

Milk (1 liter)

$1.95 NZ$3.48

White Bread (500g)

$2.18 NZ$3.88

Rice (white) (1kg)

$1.90 NZ$3.39

Eggs

$6.20 NZ$11.04

Local Cheese (1kg)

$8.48 NZ$15.11

Chicken Fillets (1kg)

$9.96 NZ$17.74

Beef Round Steak (1kg)

$16.97 NZ$30.24

Apples (1kg)

$2.80 NZ$4.98

Banana (1kg)

$2.07 NZ$3.69

Oranges (1kg)

$2.86 NZ$5.10

Tomato (1kg)

$5.69 NZ$10.15

Potato (1kg)

$2.13 NZ$3.80

Onion (1kg)

$1.58 NZ$2.82

Lettuce (1 head)

$1.98 NZ$3.53

$11.17 CFPF 1,190

-82.27%

Water (1.5 liter bottle)

$1.04 NZ$1.86

$4.43 CFPF 472

-76.52%

Cigarettes 20 Pack (Marlboro, Camel)

$27.14 NZ$48.36

$16.77 CFPF 1,786

61.84%

Wine (Bottle)

$10.29 NZ$18.34

$16.69 CFPF 1,778

-38.35%

Local Beer (0.5 liter bottle)

$2.85 NZ$5.08

Imported Beer (0.33 liter bottle)

$3.34 NZ$5.95

One-way Ticket (Public Transport)

$2.55 NZ$4.55

Public Transport Monthly Pass (Regular Price)

$124 NZ$220

Taxi Start (Normal Tariff)

$2.28 NZ$4.06

Taxi (Normal Tariff) (1km)

$1.99 NZ$3.55

Taxi 1hour Waiting (Normal Tariff)

$32.10 NZ$57.2

Gasoline (1 liter)

$1.87 NZ$3.33

$1.83 CFPF 194

2.19%

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

$25.0K NZ$44.5K

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

$22.4K NZ$40.0K

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

$179 NZ$319

$145 CFPF 15.4K

23.70%

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

$26.11 NZ$46.52

$112 CFPF 12.0K

-76.77%

Internet (50+ Mbps, Unlimited Data)

$50.4 NZ$89.9

$3,335 CFPF 355.2K

-98.49%

Gym Membership (Monthly)

$44.76 NZ$79.8

Tennis Court (1 Hour on Weekend)

$17.91 NZ$31.92

Cinema Ticket

$12.81 NZ$22.83

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

$1,110 NZ$1,977

International Primary School, 1 Child (Yearly)

$19.4K NZ$34.6K

Jeans (Levis 501 Or Similar)

$80.2 NZ$143

$220 CFPF 23.5K

-63.61%

Summer Dress (H&M, Zara, etc)

$39.62 NZ$70.6

$91.5 CFPF 9,746

-56.70%

Sport Shoes (Adidas, Nike)

$93.9 NZ$167

$228 CFPF 24.3K

-58.83%

Men's Leather Business Shoes

$112 NZ$199

$283 CFPF 30.1K

-60.48%

1-bedroom Apartment, City Center (Monthly)

$1,327 NZ$2,365

$898 CFPF 95.6K

47.81%

1-bedroom Apartment, Outside City Center (Monthly)

$1,215 NZ$2,166

$913 CFPF 97.2K

33.18%

3-bedroom Apartment, City Center (Monthly)

$2,152 NZ$3,834

$2,238 CFPF 238.3K

-3.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,652 NZ$2,944

$2,282 CFPF 243.0K

-27.60%

Buy Apartment in City Center (m2)

$7,205 NZ$12.8K

Buy Apartment Outside City Center (m2)

$5,497 NZ$9,795

Average Monthly Net Salary (After Tax)

$2,905 NZ$5,176

$3,338 CFPF 355.5K

-12.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

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

Last update for Auckland: October 6, 2026

Last update for Mata Utu: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Auckland

$1.2K 50.4%

Mata Utu

–

Groceries & Markets

Auckland

$338 14%

Mata Utu

–

Monthly Utilities & Internet

Auckland

$256 10.6%

Mata Utu

–

Eating Out

Auckland

$240 10%

Mata Utu

–

Clothing & Footwear

Auckland

$146 6.1%

Mata Utu

–

Getting Around

Auckland

$146 6.1%

Mata Utu

–

Sport & Entertainment

Auckland

$70 2.9%

Mata Utu

–

Cost Breakdown

A one-bedroom apartment in the center runs $1,327 in Auckland and $898 in Mata Utu. Housing cost is often the main lever when comparing two cities.

Mata Utu pays 15% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $68.0 in Auckland vs $111 in Mata Utu. Groceries flip the comparison at $338 vs $131, with Mata Utu cheaper for home cooking.

Good to know

🇳🇿 Auckland

🇼🇫 Mata Utu

🕒 Local time

23:16 11:16 PM

22:16 10:16 PM

1 h behind Auckland

🌤 Weather

👥 Population

1,463,000

1,200 Capital

💱 Currency

New Zealand Dollar NZD $

CFP Franc XPF Fr

📈 Exchange rate

1 NZD = 0.561 USD

1 NZD = 0.501 EUR

1,000 XPF = 9.39 USD

1,000 XPF = 8.38 EUR

Exchange rates and currency converter

XPF, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 10, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 2 NZD (1 NZD = 0.501 EUR).

CFP Franc exchange rates as of October 10, 2026: 1 USD = 107 XPF (1,000 XPF = 9.39 USD). 1 EUR = 119 XPF (1,000 XPF = 8.38 EUR).

USD to NZD in detail →

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Between locations

Auckland Mata Utu 2,770 km ≈ 4 h nonstop flight

From you

Auckland
Mata Utu

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

Auckland vs Mata Utu: Cost of Living - Frequently Asked Questions

Auckland wins on cost – living expenses run 115% lower than in Mata Utu. Housing and daily spending are where you'll feel the difference most, making Auckland the obvious pick if budget is a priority.

On paper, salaries run 15% lower in Mata Utu. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,327 in Auckland versus $898 in Mata Utu. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,433 per month in Auckland versus $5,241 in Mata Utu – a 115% gap that adds up to real savings over time for anyone picking the cheaper option.

Shoppers in Mata Utu pay roughly 157% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $2,433 in Auckland versus $5,241 in Mata Utu, a $2,000 budget is realistic in Auckland but tight or insufficient in Mata Utu. The gap between the two cities makes Auckland the clear choice for anyone on this budget.

Both work as nomad bases, but Auckland delivers better value – similar infrastructure at $2,433 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Auckland hard to pass up.

Safety-wise, Auckland and Mata Utu 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 Auckland gentler on the wallet – expenses run 115% less than in Mata Utu. Beyond cost, consider language, visa policies, and how big the international community is in each city.