Cost of Living Comparison Between Dunedin and Upper Hutt Cost of Living Comparison Between Dunedin and Upper Hutt

Monthly Cost of Living

Monthly costs for one person with rent: $1,872 in Dunedin versus $1,947 in Upper Hutt.

Estimated couple costs with rent: $2,733 in Dunedin versus $2,924 in Upper Hutt.

Monthly costs for a family of three with rent: $3,595 in Dunedin versus $3,900 in Upper Hutt.

Living in Dunedin costs roughly 4% less than in Upper Hutt, driven mainly by Eating Out.

Both cities are pricier than the global median: Dunedin 37% above, Upper Hutt 42% above.

Meal at Budget Restaurant

$14.32 NZ$25.04

$8.64 NZ$15.11

65.74%

Three-Course Dinner for Two, Mid-Range

$63.2 NZ$110

$57.9 NZ$101

9.10%

Fast Food Meal (McDonalds, etc)

$11.37 NZ$19.88

$8.75 NZ$15.30

29.94%

Cappuccino

$3.50 NZ$6.12

$2.93 NZ$5.13

19.45%

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

$2.20 NZ$3.85

$2.56 NZ$4.48

-14.06%

Water (0.33 liter bottle)

$2.11 NZ$3.69

$1.75 NZ$3.05

20.57%

Local Beer (0.5 liter draught)

$7.11 NZ$12.42

$7.63 NZ$13.34

-6.82%

Imported Beer (0.33 liter bottle)

$6.26 NZ$10.95

$6.79 NZ$11.87

-7.81%

Milk (1 liter)

$2.13 NZ$3.72

$1.99 NZ$3.47

7.04%

White Bread (500g)

$2.06 NZ$3.60

$2.17 NZ$3.79

-5.07%

Rice (white) (1kg)

$1.74 NZ$3.05

$1.90 NZ$3.31

-8.42%

Eggs

$5.83 NZ$10.19

$6.95 NZ$12.15

-16.12%

Local Cheese (1kg)

$8.77 NZ$15.33

$5.81 NZ$10.16

50.95%

Chicken Fillets (1kg)

$9.80 NZ$17.13

$9.67 NZ$16.91

1.34%

Beef Round Steak (1kg)

$16.66 NZ$29.13

$15.54 NZ$27.17

7.21%

Apples (1kg)

$2.94 NZ$5.14

$3.22 NZ$5.63

-8.70%

Banana (1kg)

$2.43 NZ$4.24

$2.19 NZ$3.82

10.96%

Oranges (1kg)

$3.23 NZ$5.64

$3.08 NZ$5.39

4.87%

Tomato (1kg)

$5.18 NZ$9.06

$6.69 NZ$11.70

-22.57%

Potato (1kg)

$1.86 NZ$3.25

$2.13 NZ$3.72

-12.68%

Onion (1kg)

$1.83 NZ$3.20

$1.27 NZ$2.22

44.09%

Lettuce (1 head)

$2.42 NZ$4.24

$2.08 NZ$3.64

16.35%

Water (1.5 liter bottle)

$0.57 NZ$1.00

$1.23 NZ$2.16

-53.66%

Cigarettes 20 Pack (Marlboro, Camel)

$21.71 NZ$37.96

$26.45 NZ$46.24

-17.92%

Wine (Bottle)

$9.25 NZ$16.18

$11.67 NZ$20.39

-20.74%

Local Beer (0.5 liter bottle)

$3.18 NZ$5.55

$3.21 NZ$5.61

-0.93%

Imported Beer (0.33 liter bottle)

$1.23 NZ$2.15

$2.86 NZ$5.00

-56.99%

One-way Ticket (Public Transport)

$1.13 NZ$1.97

$1.53 NZ$2.67

-26.14%

Public Transport Monthly Pass (Regular Price)

$70.5 NZ$123

$84.5 NZ$148

-16.54%

Taxi Start (Normal Tariff)

$5.79 NZ$10.11

$1.90 NZ$3.32

204.74%

Taxi (Normal Tariff) (1km)

$1.90 NZ$3.33

Taxi 1hour Waiting (Normal Tariff)

$29.15 NZ$51.0

$34.44 NZ$60.2

-15.36%

Gasoline (1 liter)

$1.73 NZ$3.02

$1.93 NZ$3.38

-10.36%

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

$26.0K NZ$45.5K

$25.8K NZ$45.2K

0.74%

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

$25.7K NZ$45.0K

$26.2K NZ$45.9K

-2.00%

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

$113 NZ$197

$114 NZ$198

-0.58%

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

$28.94 NZ$50.6

$26.22 NZ$45.83

10.37%

Internet (50+ Mbps, Unlimited Data)

$52.8 NZ$92.4

$55.2 NZ$96.5

-4.26%

Gym Membership (Monthly)

$49.64 NZ$86.8

$38.97 NZ$68.1

27.38%

Cinema Ticket

$10.52 NZ$18.40

$12.26 NZ$21.44

-14.19%

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

$610 NZ$1,066

$1,083 NZ$1,894

-43.71%

International Primary School, 1 Child (Yearly)

$13.2K NZ$23.0K

Jeans (Levis 501 Or Similar)

$60.5 NZ$106

$79.0 NZ$138

-23.38%

Summer Dress (H&M, Zara, etc)

$36.21 NZ$63.3

$28.64 NZ$50.1

26.43%

Sport Shoes (Adidas, Nike)

$94.7 NZ$166

$105 NZ$183

-9.46%

Men's Leather Business Shoes

$141 NZ$246

$157 NZ$275

-10.49%

1-bedroom Apartment, City Center (Monthly)

$893 NZ$1,560

$916 NZ$1,602

-2.59%

1-bedroom Apartment, Outside City Center (Monthly)

$760 NZ$1,328

$841 NZ$1,471

-9.72%

3-bedroom Apartment, City Center (Monthly)

$1,510 NZ$2,640

$1,834 NZ$3,206

-17.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,196 NZ$2,091

$1,697 NZ$2,967

-29.53%

Buy Apartment in City Center (m2)

$4,311 NZ$7,537

Buy Apartment Outside City Center (m2)

$2,242 NZ$3,919

$3,133 NZ$5,476

-28.44%

Average Monthly Net Salary (After Tax)

$2,586 NZ$4,521

20-Year Fixed Mortgage Interest Rate (Annual %)

7.07

5.39

31.17%

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

Last update for Dunedin: September 12, 2026

Last update for Upper Hutt: September 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $893 in Dunedin and $916 in Upper Hutt. Housing cost is often the main lever when comparing two cities.

Dining out: $63.0 in Dunedin vs $58.0 in Upper Hutt. Groceries flip the comparison at $328 vs $342, with Dunedin cheaper for home cooking.

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 Upper Hutt: Cost of Living - Frequently Asked Questions

Dunedin and Upper Hutt differ by about 4% in total monthly costs ($1,872 vs $1,947 including rent). Dunedin is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,808 in Dunedin and $2,920 in Upper Hutt to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $893 in Dunedin versus $916 in Upper Hutt. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Dunedin runs roughly 20% less than in Upper Hutt. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $610 in Dunedin versus $1,083 in Upper Hutt. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,872 in Dunedin versus $1,947 in Upper Hutt, a $3,000 budget is realistic in Dunedin but tight or insufficient in Upper Hutt. The gap between the two cities makes Dunedin 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 Upper Hutt 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 Dunedin gentler on the wallet – expenses run 4% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.