Last update: Oct 2026

Cost of Living Comparison Between Hamilton, New Zealand and Biella

For one person, living is cheaper in Biella: $1,455 a month against $1,917 in Hamilton, rent and utilities included – about $5,500 less a year. Higher rent and utilities in Hamilton outweigh lower spending on other living expenses.

93

Cost of Living Index in Hamilton
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Hamilton Living Index
70

Cost of Living Index in Biella
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Biella Living Index

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Hamilton

🇳🇿 New Zealand

$1,917

/mo nomad

Biella

🇮🇹 Italy

$1,455

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamilton and in Biella

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Hamilton and in Biella actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,917 in Hamilton versus $1,455 in Biella.

Hamilton $1,917
Biella $1,455

Estimated couple costs with rent: $2,828 in Hamilton versus $2,244 in Biella.

Hamilton $2,828
Biella $2,244

Monthly costs for a family of three with rent: $3,739 in Hamilton versus $3,034 in Biella.

Hamilton $3,739
Biella $3,034

Living in Hamilton is roughly 32% more expensive than in Biella, and outside of rent the biggest gap is in utilities.

Both cities are pricier than the global median: Hamilton 41% above, Biella 7% above.

Meal at Budget Restaurant

$12.20 NZ$21.47

$16.68 €14.99

-26.86%

Three-Course Dinner for Two, Mid-Range

$74.6 NZ$131

$67.1 €60.3

11.07%

Fast Food Meal (McDonalds, etc)

$8.34 NZ$14.68

$10.59 €9.52

-21.25%

Cappuccino

$3.49 NZ$6.15

$1.76 €1.58

98.30%

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

$2.31 NZ$4.07

$2.96 €2.66

-21.96%

Water (0.33 liter bottle)

$2.50 NZ$4.40

$1.35 €1.21

85.19%

Local Beer (0.5 liter draught)

$6.08 NZ$10.70

$5.17 €4.65

17.60%

Imported Beer (0.33 liter bottle)

$5.61 NZ$9.87

$4.41 €3.97

27.21%

Milk (1 liter)

$1.46 NZ$2.57

$1.26 €1.13

15.87%

White Bread (500g)

$1.25 NZ$2.20

$2.28 €2.05

-45.18%

Rice (white) (1kg)

$1.94 NZ$3.41

$2.95 €2.65

-34.24%

Eggs

$5.52 NZ$9.71

$3.71 €3.33

48.79%

Local Cheese (1kg)

$5.78 NZ$10.17

$14.40 €12.93

-59.86%

Chicken Fillets (1kg)

$7.18 NZ$12.64

$8.90 €8.00

-19.33%

Beef Round Steak (1kg)

$11.70 NZ$20.60

$21.24 €19.09

-44.92%

Apples (1kg)

$2.71 NZ$4.76

$3.05 €2.74

-11.15%

Banana (1kg)

$2.31 NZ$4.06

$2.17 €1.95

6.45%

Oranges (1kg)

$3.24 NZ$5.71

$1.94 €1.74

67.01%

Tomato (1kg)

$6.21 NZ$10.93

$4.83 €4.34

28.57%

Potato (1kg)

$2.05 NZ$3.61

$1.85 €1.66

10.81%

Onion (1kg)

$1.41 NZ$2.49

$1.81 €1.63

-22.10%

Lettuce (1 head)

$2.49 NZ$4.38

$1.47 €1.32

69.39%

Water (1.5 liter bottle)

$0.98 NZ$1.73

$0.35 €0.32

180.00%

Cigarettes 20 Pack (Marlboro, Camel)

$26.19 NZ$46.10

$6.74 €6.05

288.58%

Wine (Bottle)

$10.72 NZ$18.87

$6.62 €5.95

61.93%

Local Beer (0.5 liter bottle)

$4.02 NZ$7.08

$2.01 €1.80

100.00%

Imported Beer (0.33 liter bottle)

$4.14 NZ$7.29

$2.53 €2.28

63.64%

One-way Ticket (Public Transport)

$2.66 NZ$4.68

$1.90 €1.71

40.00%

Public Transport Monthly Pass (Regular Price)

$52.7 NZ$92.7

$38.48 €34.57

36.82%

Taxi Start (Normal Tariff)

$3.70 NZ$6.51

$14.64 €13.15

-74.73%

Taxi (Normal Tariff) (1km)

$1.66 €1.49

Taxi 1hour Waiting (Normal Tariff)

$29.62 €26.61

Gasoline (1 liter)

$1.67 NZ$2.93

$1.99 €1.78

-16.08%

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

$28.2K NZ$49.7K

$36.5K €32.8K

-22.78%

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

$22.4K NZ$39.3K

$35.9K €32.3K

-37.74%

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

$58.3 NZ$103

$190 €171

-69.36%

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

$36.48 NZ$64.2

$7.66 €6.88

376.24%

Internet (50+ Mbps, Unlimited Data)

$55.5 NZ$97.6

$27.66 €24.85

100.58%

Gym Membership (Monthly)

$25.73 NZ$45.29

$66.3 €59.6

-61.18%

Tennis Court (1 Hour on Weekend)

$28.98 NZ$51.0

$24.85 €22.33

16.62%

Cinema Ticket

$13.93 NZ$24.52

$9.10 €8.17

53.08%

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

$670 NZ$1,180

$687 €617

-2.37%

International Primary School, 1 Child (Yearly)

$22.5K NZ$39.5K

$10.2K €9,209

119.04%

Jeans (Levis 501 Or Similar)

$63.7 NZ$112

$87.2 €78.4

-27.02%

Summer Dress (H&M, Zara, etc)

$38.93 NZ$68.5

$44.14 €39.66

-11.80%

Sport Shoes (Adidas, Nike)

$94.7 NZ$167

$82.4 €74.0

14.99%

Men's Leather Business Shoes

$107 NZ$188

$112 €100

-4.67%

1-bedroom Apartment, City Center (Monthly)

$1,090 NZ$1,918

$414 €372

163.37%

1-bedroom Apartment, Outside City Center (Monthly)

$987 NZ$1,737

$370 €332

167.06%

3-bedroom Apartment, City Center (Monthly)

$1,636 NZ$2,879

$678 €609

141.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,476 NZ$2,598

$562 €505

162.86%

Buy Apartment in City Center (m2)

$4,019 NZ$7,074

$1,598 €1,436

151.45%

Buy Apartment Outside City Center (m2)

$4,525 NZ$7,964

$850 €764

432.30%

Average Monthly Net Salary (After Tax)

$2,678 NZ$4,713

$1,819 €1,635

47.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.83

3.65

87.12%

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

Last update for Hamilton: October 26, 2026

Last update for Biella: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Hamilton

$987 51.5%

Biella

$370 25.4% 62.6% $618

Groceries & Markets

Hamilton

$297 15.5%

Biella

$321 22.1% 8.1% $24

Eating Out

Hamilton

$225 11.8%

Biella

$238 16.4% 5.7% $13

Monthly Utilities & Internet

Hamilton

$150 7.8%

Biella

$225 15.5% 50.1% $75

Clothing & Footwear

Hamilton

$137 7.1%

Biella

$146 10.1% 7.1% $9.7

Getting Around

Hamilton

$67 * 3.5%

Biella

$69 4.8% 3% $2

Sport & Entertainment

Hamilton

$54 2.8%

Biella

$84 5.8% 57.6% $31

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 $1,090 in Hamilton and $414 in Biella. Housing cost is often the main lever when comparing two cities.

Hamilton pays 47% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $75 in Hamilton vs $67 in Biella. Groceries flip the comparison at $297 vs $321, with Hamilton cheaper for home cooking.

Good to know

🇳🇿 Hamilton

🇮🇹 Biella

🕒 Local time

03:02 3:02 AM

15:02 3:02 PM

12 h behind Hamilton

🌤 Weather

👥 Population

169,500

45,740

💱 Currency

New Zealand Dollar NZD $

Euro EUR €

📈 Exchange rate

1 NZD = 0.568 USD

1 NZD = 0.511 EUR

1 EUR = 1.11 USD

Exchange rates and currency converter

EUR, USD to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 28, 2026: 1 USD = 1.76 NZD (1 NZD = 0.568 USD). 1 EUR = 1.96 NZD (1 NZD = 0.511 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Hamilton Biella 18,650 km ≈ 24 h nonstop flight

From you

Hamilton
Biella

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

Hamilton vs Biella: Cost of Living - Frequently Asked Questions

Hamilton and Biella differ by about 32% in total monthly costs ($1,917 vs $1,455 including rent). Biella is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 47% higher in Hamilton, 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: $1,090 in Hamilton versus $414 in Biella. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $670 in Hamilton versus $687 in Biella. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Hamilton pay roughly 7% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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.

It comes down to priorities – Biella wins on affordability, Hamilton on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.