Last update: Oct 2026

Cost of Living Comparison Between Dunedin and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,794 in Dunedin, rent and utilities included – about $5,100 less a year. Other living expenses account for most of the difference.

87

Cost of Living Index in Dunedin
Learn more

Dunedin Living Index
67

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index

Jump to prices

Dunedin

🇳🇿 New Zealand

$1,794

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,794 in Dunedin versus $1,368 in Ubud, Bali.

Dunedin $1,794
Ubud, Bali $1,368

Estimated couple costs with rent: $2,661 in Dunedin versus $2,314 in Ubud, Bali.

Dunedin $2,661
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,527 in Dunedin versus $3,260 in Ubud, Bali.

Dunedin $3,527
Ubud, Bali $3,260

Living in Dunedin is roughly 31% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Dunedin 33% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$13.81 NZ$24.43

$3.33 Rp 59.9K

314.71%

Three-Course Dinner for Two, Mid-Range

$61.7 NZ$109

$35.18 Rp 633.2K

75.30%

Fast Food Meal (McDonalds, etc)

$11.05 NZ$19.54

$5.80 Rp 104.5K

90.52%

Cappuccino

$3.28 NZ$5.80

$2.73 Rp 49.1K

20.15%

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

$2.03 NZ$3.58

$1.64 Rp 29.5K

23.78%

Water (0.33 liter bottle)

$2.04 NZ$3.61

$0.83 Rp 15.0K

145.78%

Local Beer (0.5 liter draught)

$6.74 NZ$11.92

$2.70 Rp 48.6K

149.63%

Imported Beer (0.33 liter bottle)

$6.27 NZ$11.09

$4.30 Rp 77.4K

45.81%

Milk (1 liter)

$2.13 NZ$3.77

$1.50 Rp 27.1K

42.00%

White Bread (500g)

$1.96 NZ$3.47

$2.30 Rp 41.4K

-14.78%

Rice (white) (1kg)

$1.68 NZ$2.98

$1.18 Rp 21.2K

42.37%

Eggs

$5.75 NZ$10.16

$2.14 Rp 38.6K

168.69%

Local Cheese (1kg)

$8.54 NZ$15.10

$17.48 Rp 314.6K

-51.14%

Chicken Fillets (1kg)

$9.45 NZ$16.72

$4.03 Rp 72.5K

134.49%

Beef Round Steak (1kg)

$16.50 NZ$29.19

$12.23 Rp 220.1K

34.91%

Apples (1kg)

$3.00 NZ$5.30

$3.55 Rp 63.9K

-15.49%

Banana (1kg)

$2.39 NZ$4.22

$1.57 Rp 28.3K

52.23%

Oranges (1kg)

$3.14 NZ$5.56

$2.24 Rp 40.2K

40.18%

Tomato (1kg)

$4.93 NZ$8.72

$1.93 Rp 34.7K

155.44%

Potato (1kg)

$1.85 NZ$3.28

$1.88 Rp 33.9K

-1.60%

Onion (1kg)

$1.82 NZ$3.22

$2.29 Rp 41.3K

-20.52%

Lettuce (1 head)

$2.34 NZ$4.13

$0.99 Rp 17.9K

136.36%

Water (1.5 liter bottle)

$0.59 NZ$1.04

$0.53 Rp 9,475

11.32%

Cigarettes 20 Pack (Marlboro, Camel)

$20.71 NZ$36.63

$2.28 Rp 41.1K

808.33%

Wine (Bottle)

$8.90 NZ$15.75

$23.01 Rp 414.2K

-61.32%

Local Beer (0.5 liter bottle)

$3.09 NZ$5.47

$2.34 Rp 42.2K

32.05%

Imported Beer (0.33 liter bottle)

$1.20 NZ$2.12

$2.91 Rp 52.4K

-58.76%

One-way Ticket (Public Transport)

$1.11 NZ$1.96

$0.24 Rp 4,315

362.50%

Public Transport Monthly Pass (Regular Price)

$66.0 NZ$117

$8.82 Rp 158.7K

648.41%

Taxi Start (Normal Tariff)

$5.46 NZ$9.66

$0.48 Rp 8,684

1037.50%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

Taxi 1hour Waiting (Normal Tariff)

$27.62 NZ$48.84

$5.45 Rp 98.2K

406.79%

Gasoline (1 liter)

$1.76 NZ$3.12

$0.88 Rp 15.9K

100.00%

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

$25.6K NZ$45.2K

$24.6K Rp 442.2M

4.07%

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

$24.9K NZ$44.0K

$31.2K Rp 561.4M

-20.21%

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

$111 NZ$196

$83.0 Rp 1.5M

33.67%

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

$28.15 NZ$49.78

$6.45 Rp 116.0K

336.43%

Internet (50+ Mbps, Unlimited Data)

$52.5 NZ$92.9

$18.57 Rp 334.2K

182.93%

Gym Membership (Monthly)

$47.73 NZ$84.4

$55.8 Rp 1.0M

-14.49%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$10.36 NZ$18.33

$4.38 Rp 78.9K

136.53%

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

$570 NZ$1,009

$493 Rp 8.9M

15.68%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

Jeans (Levis 501 Or Similar)

$58.9 NZ$104

$46.19 Rp 831.4K

27.41%

Summer Dress (H&M, Zara, etc)

$34.56 NZ$61.1

$35.33 Rp 636.0K

-2.18%

Sport Shoes (Adidas, Nike)

$92.5 NZ$164

$79.1 Rp 1.4M

17.01%

Men's Leather Business Shoes

$132 NZ$234

$78.4 Rp 1.4M

68.72%

1-bedroom Apartment, City Center (Monthly)

$873 NZ$1,545

$1,142 Rp 20.6M

-23.54%

1-bedroom Apartment, Outside City Center (Monthly)

$749 NZ$1,324

$676 Rp 12.2M

10.84%

3-bedroom Apartment, City Center (Monthly)

$1,480 NZ$2,617

$3,503 Rp 63.1M

-57.76%

3-bedroom Apartment, Outside City Center (Monthly)

$1,148 NZ$2,031

$1,700 Rp 30.6M

-32.45%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

Buy Apartment Outside City Center (m2)

$2,200 NZ$3,890

$2,241 Rp 40.3M

-1.82%

Average Monthly Net Salary (After Tax)

$2,425 NZ$4,288

$165 Rp 3.0M

1373.66%

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

13.78

-48.69%

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

Last update for Dunedin: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Dunedin

$749 41.7%

Ubud, Bali

$676 49.4% 9.8% $73

Groceries & Markets

Dunedin

$321 17.9%

Ubud, Bali

$290 21.2% 9.5% $30

Eating Out

Dunedin

$246 13.7%

Ubud, Bali

$109 8% 55.7% $137

Monthly Utilities & Internet

Dunedin

$192 10.7%

Ubud, Bali

$108 7.9% 43.6% $84

Clothing & Footwear

Dunedin

$143 8%

Ubud, Bali

$108 7.9% 24.9% $36

Getting Around

Dunedin

$76 * 4.2%

Ubud, Bali

$13 0.9% 83.5% $63

Sport & Entertainment

Dunedin

$68 3.8%

Ubud, Bali

$65 4.7% 5.7% $3.9

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $873 in Dunedin and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dunedin pays 1374% 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: $62.0 in Dunedin vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $321 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Dunedin

🇮🇩 Ubud, Bali

🕒 Local time

12:42 12:42 PM

07:42 7:42 AM

5 h behind Dunedin

🌤 Weather

👥 Population

105,000

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 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 October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Dunedin Ubud, Bali 6,680 km ≈ 9 h nonstop flight

From you

Dunedin
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

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

Dunedin and Ubud, Bali differ by about 31% in total monthly costs ($1,794 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1374% higher in Dunedin, 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: $873 in Dunedin versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 648% less than in Dunedin. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $570 in Dunedin versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,368 in Ubud, Bali versus $1,794 in Dunedin, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Dunedin. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Dunedin 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 31% less than in Dunedin. Beyond cost, consider language, visa policies, and how big the international community is in each city.