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Cost of Living Comparison Between Hamilton and Lower Hutt Cost of Living Comparison Between Hamilton and Lower Hutt

🙂 Solo nomad: Hamilton is 12.5% cheaper than Lower Hutt without rent, and 6.9% more expensive with rent.
🙂 Family of 3: Hamilton is 6.2% cheaper than Lower Hutt without rent, and 3.8% more expensive with rent.
Currency
🍽 Eating Out
Hamilton
Lower Hutt
Difference
Meal at Budget Restaurant
$18.32 CA$25.65
$17.14 NZ$29.94
6.88%
Three-Course Dinner for Two, Mid-Range
$75 CA$105
$85.6 NZ$150
-12.40%
Fast Food Meal (McDonalds, etc)
$10.82 CA$15.15
$10.65 NZ$18.59
1.60%
Cappuccino
$4.18 CA$5.85
$3.54 NZ$6.19
18.08%
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.12 CA$2.97
$2.37 NZ$4.14
-10.55%
Water (0.33 liter bottle)
$1.74 CA$2.44
$2.17 NZ$3.78
-19.82%
Local Beer (0.5 liter draught)
$5.73 CA$8.02
$7.23 NZ$12.62
-20.75%
Imported Beer (0.33 liter bottle)
$6.75 CA$9.46
$6.35 NZ$11.09
6.30%
🛒 Groceries & Markets
Hamilton
Lower Hutt
Difference
Milk (1 liter)
$2.34 CA$3.27
$1.87 NZ$3.27
25.13%
White Bread (500g)
$2.11 CA$2.96
$2.04 NZ$3.56
3.43%
Rice (white) (1kg)
$2.86 CA$4.01
$1.94 NZ$3.39
47.42%
Eggs
$3.23 CA$4.52
$7.17 NZ$12.52
-54.95%
Local Cheese (1kg)
$7.57 CA$10.6
$8.01 NZ$13.98
-5.49%
Chicken Fillets (1kg)
$11.8 CA$16.52
$8.95 NZ$15.62
31.84%
Beef Round Steak (1kg)
$14.34 CA$20.08
$13.27 NZ$23.17
8.06%
Apples (1kg)
$3.97 CA$5.56
$2.52 NZ$4.41
57.54%
Banana (1kg)
$1.25 CA$1.75
$2.07 NZ$3.62
-39.61%
Oranges (1kg)
$3.56 CA$4.98
$2.65 NZ$4.62
34.34%
Tomato (1kg)
$3.71 CA$5.19
$4.68 NZ$8.17
-20.73%
Potato (1kg)
$2.71 CA$3.8
$2.01 NZ$3.5
34.83%
Onion (1kg)
$2.22 CA$3.1
$1.73 NZ$3.03
28.32%
Lettuce (1 head)
$2.25 CA$3.14
$2.26 NZ$3.94
-0.44%
Water (1.5 liter bottle)
$2.05 CA$2.87
$1.26 NZ$2.2
62.70%
Cigarettes 20 Pack (Marlboro, Camel)
$13.53 CA$18.94
$22.64 NZ$39.53
-40.24%
Wine (Bottle)
$13.55 CA$18.97
$9.66 NZ$16.88
40.27%
Local Beer (0.5 liter bottle)
$2.36 CA$3.3
$3.53 NZ$6.16
-33.14%
Imported Beer (0.33 liter bottle)
$3.12 CA$4.37
$3.25 NZ$5.67
-4.00%
🚌 Getting Around
Hamilton
Lower Hutt
Difference
One-way Ticket (Public Transport)
$2.6 CA$3.65
$2.65 NZ$4.63
-1.89%
Public Transport Monthly Pass (Regular Price)
$85.5 CA$120
$65.3 NZ$114
31.04%
Taxi Start (Normal Tariff)
$3.58 CA$5.01
$2.7 NZ$4.71
32.59%
Taxi (Normal Tariff) (1km)
$1.22 CA$1.7
$1.85 NZ$3.22
-34.05%
Taxi 1hour Waiting (Normal Tariff)
$24.04 CA$33.66
$59.9 NZ$105
-59.87%
Gasoline (1 liter)
$1.16 CA$1.62
$1.72 NZ$3
-32.56%
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$25.3K CA$35.4K
$28.8K NZ$50.3K
-12.25%
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$20.5K CA$28.7K
$24.9K NZ$43.4K
-17.57%
🧾 Monthly Utilities & Internet
Hamilton
Lower Hutt
Difference
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$153 CA$215
$157 NZ$274
-2.13%
SIM Card Monthly Plan (Calls and 10GB+ Data)
$39.15 CA$54.8
$37.77 NZ$66
3.65%
Internet (50+ Mbps, Unlimited Data)
$51.8 CA$72.6
$50.8 NZ$88.7
2.05%
🎉 Sport & Entertainment
Hamilton
Lower Hutt
Difference
Gym Membership (Monthly)
$36.82 CA$51.6
$41.08 NZ$71.7
-10.37%
Tennis Court (1 Hour on Weekend)
$21.85 CA$30.59
$12.11 NZ$21.14
80.43%
Cinema Ticket
$11.61 CA$16.25
$10.74 NZ$18.76
8.10%
🧸 Childcare & Education
Hamilton
Lower Hutt
Difference
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$629 CA$881
$746 NZ$1,302
-15.61%
International Primary School, 1 Child (Yearly)
$22K CA$30.8K
$11.7K NZ$20.4K
88.29%
👕👟 Clothing & Footwear
Hamilton
Lower Hutt
Difference
Jeans (Levis 501 Or Similar)
$55.8 CA$78.1
$72.8 NZ$127
-23.34%
Summer Dress (H&M, Zara, etc)
$33.81 CA$47.34
$56.9 NZ$99.4
-40.59%
Sport Shoes (Adidas, Nike)
$97.1 CA$136
$117 NZ$204
-16.92%
Men's Leather Business Shoes
$120 CA$168
$144 NZ$251
-16.52%
🏠 Accommodation & Living
Hamilton
Lower Hutt
Difference
1-bedroom Apartment, City Center (Monthly)
$1,378 CA$1,929
$1,389 NZ$2,425
-0.76%
1-bedroom Apartment, Outside City Center (Monthly)
$1,301 CA$1,821
$1,116 NZ$1,948
16.59%
3-bedroom Apartment, City Center (Monthly)
$2,003 CA$2,804
$2,383 NZ$4,161
-15.96%
3-bedroom Apartment, Outside City Center (Monthly)
$1,987 CA$2,782
$1,675 NZ$2,925
18.62%
Buy Apartment in City Center (m2)
$2,787 CA$3,902
$6,668 NZ$11.6K
-58.20%
Buy Apartment Outside City Center (m2)
$2,751 CA$3,851
$5,110 NZ$8,922
-46.17%
💵 Salaries & Financials
Hamilton
Lower Hutt
Difference
Average Monthly Net Salary (After Tax)
$2,866 CA$4,013
$3,360 NZ$5,866
-14.70%
20-Year Fixed Mortgage Interest Rate (Annual %)
6.62
6.94
-4.61%

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

Last update for Hamilton: November 30, 2025

Last update for Lower Hutt: December 1, 2025

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