Cost of Living Comparison Between Hamilton and Ubud, Bali Cost of Living Comparison Between Hamilton and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,659 in Hamilton versus $1,378 in Ubud, Bali.

Estimated couple costs with rent: $2,757 in Hamilton versus $2,327 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,856 in Hamilton versus $3,275 in Ubud, Bali.

Living in Hamilton is roughly 20% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamilton 20% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$12.43 NZ$21.38

$3.33 Rp 58.7K

273.27%

Three-Course Dinner for Two, Mid-Range

$76.5 NZ$132

$35.82 Rp 630.7K

113.62%

Fast Food Meal (McDonalds, etc)

$8.80 NZ$15.12

$5.63 Rp 99.1K

56.31%

Cappuccino

$3.58 NZ$6.16

$2.82 Rp 49.7K

26.95%

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

$2.37 NZ$4.07

$1.75 Rp 30.8K

35.43%

Water (0.33 liter bottle)

$2.55 NZ$4.38

$0.80 Rp 14.0K

218.75%

Local Beer (0.5 liter draught)

$6.35 NZ$10.92

$3.04 Rp 53.6K

108.88%

Imported Beer (0.33 liter bottle)

$5.97 NZ$10.27

$4.30 Rp 75.7K

38.84%

Milk (1 liter)

$1.49 NZ$2.56

$1.61 Rp 28.3K

-7.45%

White Bread (500g)

$1.34 NZ$2.30

$2.27 Rp 39.9K

-40.97%

Rice (white) (1kg)

$1.99 NZ$3.42

$1.17 Rp 20.6K

70.09%

Eggs

$5.64 NZ$9.70

$2.17 Rp 38.2K

159.91%

Local Cheese (1kg)

$6.03 NZ$10.36

$17.63 Rp 310.5K

-65.80%

Chicken Fillets (1kg)

$7.78 NZ$13.38

$4.05 Rp 71.4K

92.10%

Beef Round Steak (1kg)

$12.65 NZ$21.75

$12.18 Rp 214.5K

3.86%

Apples (1kg)

$2.71 NZ$4.67

$3.62 Rp 63.7K

-25.14%

Banana (1kg)

$2.29 NZ$3.94

$1.64 Rp 28.8K

39.63%

Oranges (1kg)

$3.36 NZ$5.77

$2.31 Rp 40.6K

45.45%

Tomato (1kg)

$6.50 NZ$11.17

$1.96 Rp 34.5K

231.63%

Potato (1kg)

$2.05 NZ$3.52

$1.84 Rp 32.5K

11.41%

Onion (1kg)

$1.43 NZ$2.47

$2.37 Rp 41.7K

-39.66%

Lettuce (1 head)

$2.06 NZ$3.55

$1.05 Rp 18.5K

96.19%

Water (1.5 liter bottle)

$1.11 NZ$1.90

$0.54 Rp 9,560

105.56%

Cigarettes 20 Pack (Marlboro, Camel)

$26.52 NZ$45.59

$2.30 Rp 40.6K

1053.04%

Wine (Bottle)

$11.34 NZ$19.50

$23.08 Rp 406.4K

-50.87%

Local Beer (0.5 liter bottle)

$4.04 NZ$6.94

$2.34 Rp 41.2K

72.65%

Imported Beer (0.33 liter bottle)

$4.35 NZ$7.48

$3.07 Rp 54.0K

41.69%

One-way Ticket (Public Transport)

$1.72 NZ$2.96

$0.25 Rp 4,365

588.00%

Public Transport Monthly Pass (Regular Price)

$42.68 NZ$73.4

$9.42 Rp 165.9K

353.08%

Taxi Start (Normal Tariff)

$3.72 NZ$6.40

$0.49 Rp 8,631

659.18%

Taxi (Normal Tariff) (1km)

$0.47 Rp 8,349

Taxi 1hour Waiting (Normal Tariff)

$5.60 Rp 98.6K

Gasoline (1 liter)

$1.67 NZ$2.87

$0.81 Rp 14.2K

106.17%

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

$28.5K NZ$48.9K

$25.0K Rp 440.3M

13.80%

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

$24.3K NZ$41.8K

$31.1K Rp 547.0M

-21.75%

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

$60.7 NZ$104

$82.7 Rp 1.5M

-26.64%

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

$37.57 NZ$64.6

$6.49 Rp 114.2K

478.89%

Internet (50+ Mbps, Unlimited Data)

$57.7 NZ$99.1

$18.79 Rp 330.8K

206.81%

Gym Membership (Monthly)

$26.07 NZ$44.82

$55.2 Rp 972.6K

-52.81%

Tennis Court (1 Hour on Weekend)

$29.02 NZ$49.89

$18.21 Rp 320.6K

59.36%

Cinema Ticket

$14.53 NZ$24.98

$4.30 Rp 75.7K

237.91%

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

$693 NZ$1,191

$494 Rp 8.7M

40.23%

International Primary School, 1 Child (Yearly)

$23.4K NZ$40.2K

$5,917 Rp 104.2M

294.96%

Jeans (Levis 501 Or Similar)

$64.9 NZ$112

$46.28 Rp 814.8K

40.21%

Summer Dress (H&M, Zara, etc)

$40.18 NZ$69.1

$36.44 Rp 641.6K

10.26%

Sport Shoes (Adidas, Nike)

$99.0 NZ$170

$80.7 Rp 1.4M

22.71%

Men's Leather Business Shoes

$110 NZ$189

$78.8 Rp 1.4M

39.52%

1-bedroom Apartment, City Center (Monthly)

$867 NZ$1,490

$1,114 Rp 19.6M

-22.20%

1-bedroom Apartment, Outside City Center (Monthly)

$687 NZ$1,181

$693 Rp 12.2M

-0.91%

3-bedroom Apartment, City Center (Monthly)

$1,510 NZ$2,597

$3,639 Rp 64.1M

-58.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,575 NZ$2,707

$1,712 Rp 30.1M

-8.05%

Buy Apartment in City Center (m2)

$4,087 NZ$7,026

$2,761 Rp 48.6M

48.04%

Buy Apartment Outside City Center (m2)

$4,728 NZ$8,128

$2,293 Rp 40.4M

106.21%

Average Monthly Net Salary (After Tax)

$2,775 NZ$4,771

$167 Rp 2.9M

1560.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.83

13.78

-50.44%

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

Last update for Hamilton: September 5, 2026

Last update for Ubud, Bali: September 6, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $867 in Hamilton and $1,114 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamilton pays 1561% 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: $77.0 in Hamilton vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $309 vs $294 per month, with Ubud, Bali cheaper across the board.

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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 20% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1561% 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: $867 in Hamilton versus $1,114 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36.00 versus $77.0 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,659 per month in Hamilton versus $1,378 in Ubud, Bali – a 20% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,378 in Ubud, Bali versus $1,659 in Hamilton, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hamilton. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Hamilton, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Hamilton 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 20% less than in Hamilton. Beyond cost, consider language, visa policies, and how big the international community is in each city.