Last update: Nov 2026

Cost of Living Comparison Between Avarua and Ubud, Bali

For one person, living is cheaper in Avarua: $1,161 a month against $1,331 in Ubud, Bali, rent and utilities included – about $2,000 less a year. The total is higher in Ubud, Bali despite lower rent and utilities.

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

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Avarua

🇨🇰 Cook Islands

$1,161

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,331

/mo nomad

Monthly Cost of Living

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

A single person spends $1,161 per month in Avarua vs $1,331 in Ubud, Bali, rent included.

Avarua $1,161
Ubud, Bali $1,331

A couple spends around $781 per month in Avarua vs $2,255 in Ubud, Bali, rent included.

Avarua $781
Ubud, Bali $2,255

A family of three spends $401 per month in Avarua vs $3,180 in Ubud, Bali, rent included.

Avarua $401
Ubud, Bali $3,180

Avarua is about 13% cheaper than Ubud, Bali, and outside of rent the biggest gap is in transport.

Both Avarua and Ubud, Bali are more affordable than the global median – Avarua 14% lower, Ubud, Bali 2% lower.

Meal at Budget Restaurant

$11.41 NZ$20.39

$3.38 Rp 60.9K

237.57%

Three-Course Dinner for Two, Mid-Range

$34.65 Rp 625.4K

Fast Food Meal (McDonalds, etc)

$5.57 Rp 100.6K

Cappuccino

$2.75 NZ$4.92

$2.62 Rp 47.3K

4.96%

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

$2.16 NZ$3.87

$1.54 Rp 27.8K

40.26%

Water (0.33 liter bottle)

$2.79 NZ$4.98

$0.64 Rp 11.6K

335.94%

Local Beer (0.5 liter draught)

$6.93 NZ$12.38

$2.67 Rp 48.1K

159.55%

Imported Beer (0.33 liter bottle)

$3.89 NZ$6.95

$4.26 Rp 76.9K

-8.69%

Milk (1 liter)

$1.46 Rp 26.4K

White Bread (500g)

$2.29 Rp 41.4K

Rice (white) (1kg)

$1.11 Rp 20.0K

Eggs

$2.10 Rp 37.9K

Local Cheese (1kg)

$15.94 Rp 287.7K

Chicken Fillets (1kg)

$3.88 Rp 70.1K

Beef Round Steak (1kg)

$11.40 Rp 205.8K

Apples (1kg)

$3.55 Rp 64.1K

Banana (1kg)

$1.54 Rp 27.7K

Oranges (1kg)

$2.23 Rp 40.2K

Tomato (1kg)

$1.97 Rp 35.6K

Potato (1kg)

$1.86 Rp 33.5K

Onion (1kg)

$2.42 Rp 43.6K

Lettuce (1 head)

$1.02 Rp 18.5K

Water (1.5 liter bottle)

$0.52 Rp 9,427

Cigarettes 20 Pack (Marlboro, Camel)

$2.20 Rp 39.7K

Wine (Bottle)

$21.79 Rp 393.2K

Local Beer (0.5 liter bottle)

$2.33 Rp 42.0K

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.6K

One-way Ticket (Public Transport)

$2.86 NZ$5.10

$0.25 Rp 4,519

1044.00%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 147.5K

Taxi Start (Normal Tariff)

$0.44 Rp 7,901

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,446

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 101.1K

Gasoline (1 liter)

$2.14 NZ$3.83

$0.83 Rp 14.9K

157.83%

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

$24.4K Rp 441.3M

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

$31.7K Rp 572.1M

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

$77.5 Rp 1.4M

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

$6.14 Rp 110.9K

Internet (50+ Mbps, Unlimited Data)

$18.92 Rp 341.4K

Gym Membership (Monthly)

$51.0 Rp 920.4K

Tennis Court (1 Hour on Weekend)

$18.25 Rp 329.4K

Cinema Ticket

$4.38 Rp 79.1K

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

$492 Rp 8.9M

International Primary School, 1 Child (Yearly)

$12.2K Rp 220.6M

Jeans (Levis 501 Or Similar)

$45.16 Rp 815.1K

Summer Dress (H&M, Zara, etc)

$34.89 Rp 629.7K

Sport Shoes (Adidas, Nike)

$78.3 Rp 1.4M

Men's Leather Business Shoes

$77.9 Rp 1.4M

1-bedroom Apartment, City Center (Monthly)

$971 NZ$1,736

$1,078 Rp 19.4M

-9.85%

1-bedroom Apartment, Outside City Center (Monthly)

$963 NZ$1,722

$665 Rp 12.0M

44.91%

3-bedroom Apartment, City Center (Monthly)

$111 NZ$198

$3,510 Rp 63.4M

-96.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,671 Rp 30.2M

Buy Apartment in City Center (m2)

$2,340 Rp 42.2M

Buy Apartment Outside City Center (m2)

$944 NZ$1,686

$2,236 Rp 40.4M

-57.80%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

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

Last update for Avarua: November 2, 2026

Last update for Ubud, Bali: November 1, 2026

Monthly budget structure

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

Accommodation & Living

Avarua

–

Ubud, Bali

$665 50%

Groceries & Markets

Avarua

–

Ubud, Bali

$279 21%

Clothing & Footwear

Avarua

–

Ubud, Bali

$106 8%

Eating Out

Avarua

–

Ubud, Bali

$106 8%

Monthly Utilities & Internet

Avarua

–

Ubud, Bali

$103 7.7%

Sport & Entertainment

Avarua

–

Ubud, Bali

$60 4.5%

Getting Around

Avarua

–

Ubud, Bali

$12 0.9%

Cost Breakdown

A central one-bedroom costs $971 in Avarua versus $1,078 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Good to know

🇨🇰 Avarua

🇮🇩 Ubud, Bali

🕒 Local time

20:01 8:01 PM

14:01 2:01 PM

18 h ahead of Avarua

🌤 Weather

👥 Population

5,000 Capital

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.56 USD

1 NZD = 0.499 EUR

100,000 IDR = 5.54 USD

100,000 IDR = 4.94 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 November 6, 2026: 1 USD = 1.79 NZD (1 NZD = 0.56 USD). 1 EUR = 2.01 NZD (1 NZD = 0.499 EUR).

Indonesian Rupiah exchange rates as of November 6, 2026: 1 USD = 18,049 IDR (100,000 IDR = 5.54 USD). 1 EUR = 20,262 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Avarua Ubud, Bali 9,150 km ≈ 12 h nonstop flight

From you

Avarua
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

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

Ubud, Bali costs about 15% more than Avarua, and outside of rent the gap comes mainly from groceries. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,742 per month in Avarua and $1,996 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Avarua, especially for central apartments: a one-bedroom in the center costs $971 there versus $1,078 in Ubud, Bali.

$1,000 is a stretch for both – monthly costs hit $1,161 in Avarua and $1,331 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,161 in Avarua to $1,331 in Ubud, Bali. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.