Last update: Oct 2026

Cost of Living Comparison Between Auckland and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,433 in Auckland, rent and utilities included – about $13,000 less a year. Rent and utilities account for about half of the difference.

117

Cost of Living Index in Auckland
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Auckland Living Index
66

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

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Auckland

🇳🇿 New Zealand

$2,433

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,433 in Auckland versus $1,348 in Ubud, Bali.

Auckland $2,433
Ubud, Bali $1,348

Estimated couple costs with rent: $3,354 in Auckland versus $2,312 in Ubud, Bali.

Auckland $3,354
Ubud, Bali $2,312

Monthly costs for a family of three with rent: $4,274 in Auckland versus $3,276 in Ubud, Bali.

Auckland $4,274
Ubud, Bali $3,276

Living in Auckland is roughly 80% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Auckland 82% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$13.84 NZ$24.68

$3.33 Rp 59.6K

315.62%

Three-Course Dinner for Two, Mid-Range

$67.7 NZ$121

$35.42 Rp 633.7K

91.02%

Fast Food Meal (McDonalds, etc)

$9.14 NZ$16.31

$5.76 Rp 103.0K

58.68%

Cappuccino

$3.36 NZ$5.99

$2.63 Rp 47.0K

27.76%

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

$1.93 NZ$3.45

$1.74 Rp 31.0K

10.92%

Water (0.33 liter bottle)

$1.73 NZ$3.09

$0.77 Rp 13.8K

124.68%

Local Beer (0.5 liter draught)

$6.82 NZ$12.16

$2.71 Rp 48.4K

151.66%

Imported Beer (0.33 liter bottle)

$6.54 NZ$11.66

$4.52 Rp 80.9K

44.69%

Milk (1 liter)

$1.95 NZ$3.48

$1.53 Rp 27.4K

27.45%

White Bread (500g)

$2.18 NZ$3.88

$2.20 Rp 39.3K

-0.91%

Rice (white) (1kg)

$1.90 NZ$3.40

$1.22 Rp 21.8K

55.74%

Eggs

$6.20 NZ$11.05

$2.14 Rp 38.3K

189.72%

Local Cheese (1kg)

$8.48 NZ$15.13

$17.73 Rp 317.2K

-52.17%

Chicken Fillets (1kg)

$9.96 NZ$17.76

$3.86 Rp 69.0K

158.03%

Beef Round Steak (1kg)

$16.97 NZ$30.27

$12.03 Rp 215.2K

41.06%

Apples (1kg)

$2.80 NZ$4.99

$3.61 Rp 64.6K

-22.44%

Banana (1kg)

$2.07 NZ$3.69

$1.51 Rp 27.1K

37.09%

Oranges (1kg)

$2.86 NZ$5.11

$2.32 Rp 41.5K

23.28%

Tomato (1kg)

$5.69 NZ$10.16

$2.00 Rp 35.9K

184.50%

Potato (1kg)

$2.13 NZ$3.80

$1.81 Rp 32.4K

17.68%

Onion (1kg)

$1.58 NZ$2.82

$2.39 Rp 42.7K

-33.89%

Lettuce (1 head)

$1.98 NZ$3.53

$0.99 Rp 17.8K

100.00%

Water (1.5 liter bottle)

$1.04 NZ$1.86

$0.52 Rp 9,381

100.00%

Cigarettes 20 Pack (Marlboro, Camel)

$27.14 NZ$48.41

$2.18 Rp 39.1K

1144.95%

Wine (Bottle)

$10.29 NZ$18.35

$22.98 Rp 411.0K

-55.22%

Local Beer (0.5 liter bottle)

$2.85 NZ$5.09

$2.40 Rp 42.9K

18.75%

Imported Beer (0.33 liter bottle)

$3.34 NZ$5.96

$3.00 Rp 53.6K

11.33%

One-way Ticket (Public Transport)

$2.55 NZ$4.55

$0.24 Rp 4,258

962.50%

Public Transport Monthly Pass (Regular Price)

$124 NZ$220

$6.99 Rp 125.1K

1668.24%

Taxi Start (Normal Tariff)

$2.28 NZ$4.06

$0.44 Rp 7,882

418.18%

Taxi (Normal Tariff) (1km)

$1.99 NZ$3.55

$0.42 Rp 7,589

373.81%

Taxi 1hour Waiting (Normal Tariff)

$32.10 NZ$57.3

$5.45 Rp 97.5K

488.99%

Gasoline (1 liter)

$1.87 NZ$3.33

$0.84 Rp 15.1K

122.62%

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

$25.0K NZ$44.5K

$24.3K Rp 435.2M

2.61%

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

$22.4K NZ$40.0K

$31.9K Rp 570.5M

-29.63%

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

$179 NZ$319

$80.8 Rp 1.4M

121.48%

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

$26.11 NZ$46.56

$6.58 Rp 117.7K

296.81%

Internet (50+ Mbps, Unlimited Data)

$50.4 NZ$90.0

$18.24 Rp 326.4K

176.54%

Gym Membership (Monthly)

$44.76 NZ$79.8

$55.1 Rp 986.2K

-18.81%

Tennis Court (1 Hour on Weekend)

$17.91 NZ$31.95

$18.51 Rp 331.2K

-3.24%

Cinema Ticket

$12.81 NZ$22.85

$4.24 Rp 75.9K

202.12%

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

$1,110 NZ$1,979

$486 Rp 8.7M

128.49%

International Primary School, 1 Child (Yearly)

$19.4K NZ$34.7K

$5,676 Rp 101.5M

242.33%

Jeans (Levis 501 Or Similar)

$80.2 NZ$143

$45.18 Rp 808.3K

77.49%

Summer Dress (H&M, Zara, etc)

$39.62 NZ$70.7

$34.57 Rp 618.5K

14.61%

Sport Shoes (Adidas, Nike)

$93.9 NZ$168

$79.2 Rp 1.4M

18.65%

Men's Leather Business Shoes

$112 NZ$199

$77.6 Rp 1.4M

43.85%

1-bedroom Apartment, City Center (Monthly)

$1,327 NZ$2,367

$1,127 Rp 20.2M

17.78%

1-bedroom Apartment, Outside City Center (Monthly)

$1,215 NZ$2,168

$674 Rp 12.1M

80.30%

3-bedroom Apartment, City Center (Monthly)

$2,152 NZ$3,838

$3,618 Rp 64.7M

-40.53%

3-bedroom Apartment, Outside City Center (Monthly)

$1,652 NZ$2,946

$1,735 Rp 31.0M

-4.77%

Buy Apartment in City Center (m2)

$7,205 NZ$12.9K

$2,829 Rp 50.6M

154.70%

Buy Apartment Outside City Center (m2)

$5,497 NZ$9,804

$2,307 Rp 41.3M

138.30%

Average Monthly Net Salary (After Tax)

$2,905 NZ$5,181

$166 Rp 3.0M

1653.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

13.78

-61.03%

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

Last update for Auckland: October 6, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Auckland

$1.2K 50.4%

Ubud, Bali

$674 49.6% 44.5% $541

Groceries & Markets

Auckland

$338 14%

Ubud, Bali

$290 21.4% 14.1% $48

Monthly Utilities & Internet

Auckland

$256 10.6%

Ubud, Bali

$106 7.8% 58.7% $150

Eating Out

Auckland

$240 10%

Ubud, Bali

$108 8% 55% $132

Clothing & Footwear

Auckland

$146 6.1%

Ubud, Bali

$106 7.8% 27.3% $40

Getting Around

Auckland

$146 6.1%

Ubud, Bali

$11 0.8% 92.8% $136

Sport & Entertainment

Auckland

$70 2.9%

Ubud, Bali

$64 4.7% 9.6% $6.8

Cost Breakdown

A one-bedroom apartment in the center runs $1,327 in Auckland and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Auckland pays 1653% 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 $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $338 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Auckland

🇮🇩 Ubud, Bali

🕒 Local time

19:42 7:42 PM

14:42 2:42 PM

5 h behind Auckland

🌤 Weather

👥 Population

1,463,000

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.561 USD

1 NZD = 0.5 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, 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 = 0.5 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,890 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,065 IDR (100,000 IDR = 4.98 EUR).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Auckland Ubud, Bali 6,740 km ≈ 9 h nonstop flight

From you

Auckland
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

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

Ubud, Bali wins on cost – living expenses run 80% lower than in Auckland. 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 runs 1653% higher in Auckland, 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: $1,327 in Auckland versus $1,127 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,110 in Auckland versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 16% higher in Auckland. For households that cook at home regularly, that difference adds up over a month.

At $1,348 in Ubud, Bali versus $2,433 in Auckland, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Auckland. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,348 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Auckland 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 80% less than in Auckland. Beyond cost, consider language, visa policies, and how big the international community is in each city.