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: $1,899 in Hamilton versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $2,955 in Hamilton versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,012 in Hamilton versus $3,694 in Ubud, Bali.

Living in Hamilton is roughly 35% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Hamilton 41% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$13.69 NZ$23.38

$3.57 Rp 64.0K

283.47%

Three-Course Dinner for Two, Mid-Range

$83.2 NZ$142

$32.50 Rp 582.3K

156.03%

Fast Food Meal (McDonalds, etc)

$8.62 NZ$14.72

$4.86 Rp 87.1K

77.37%

Cappuccino

$3.59 NZ$6.14

$2.75 Rp 49.2K

30.55%

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

$2.32 NZ$3.96

$1.32 Rp 23.7K

75.76%

Water (0.33 liter bottle)

$2.79 NZ$4.76

$0.70 Rp 12.6K

298.57%

Local Beer (0.5 liter draught)

$6.87 NZ$11.72

$2.91 Rp 52.2K

136.08%

Imported Beer (0.33 liter bottle)

$6.30 NZ$10.75

$3.79 Rp 68.0K

66.23%

Milk (1 liter)

$1.59 NZ$2.71

$1.71 Rp 30.6K

-7.02%

White Bread (500g)

$1.33 NZ$2.27

$2.47 Rp 44.3K

-46.15%

Rice (white) (1kg)

$1.93 NZ$3.30

$1.20 Rp 21.5K

60.83%

Eggs

$5.81 NZ$9.91

$2.44 Rp 43.8K

138.11%

Local Cheese (1kg)

$5.94 NZ$10.15

$14.38 Rp 257.7K

-58.69%

Chicken Fillets (1kg)

$8.07 NZ$13.79

$4.31 Rp 77.1K

87.24%

Beef Round Steak (1kg)

$11.05 NZ$18.87

$12.21 Rp 218.7K

-9.50%

Apples (1kg)

$2.69 NZ$4.59

$3.68 Rp 66.0K

-26.90%

Banana (1kg)

$2.97 NZ$5.07

$1.55 Rp 27.8K

91.61%

Oranges (1kg)

$2.97 NZ$5.07

$2.79 Rp 49.9K

6.45%

Tomato (1kg)

$6.70 NZ$11.44

$2.33 Rp 41.8K

187.55%

Potato (1kg)

$2.23 NZ$3.81

$1.97 Rp 35.3K

13.20%

Onion (1kg)

$1.91 NZ$3.26

$2.31 Rp 41.4K

-17.32%

Lettuce (1 head)

$2.70 NZ$4.61

$1.06 Rp 19.1K

154.72%

Water (1.5 liter bottle)

$1.03 NZ$1.76

$0.73 Rp 13.1K

41.10%

Cigarettes 20 Pack (Marlboro, Camel)

$26.09 NZ$44.55

$3.28 Rp 58.8K

695.43%

Wine (Bottle)

$10.99 NZ$18.77

$22.79 Rp 408.4K

-51.78%

Local Beer (0.5 liter bottle)

$3.54 NZ$6.04

$2.81 Rp 50.3K

25.98%

Imported Beer (0.33 liter bottle)

$4.49 NZ$7.67

$2.78 Rp 49.9K

61.51%

One-way Ticket (Public Transport)

$1.70 NZ$2.91

$0.29 Rp 5,217

486.21%

Public Transport Monthly Pass (Regular Price)

$47.87 NZ$81.8

$8.06 Rp 144.4K

493.92%

Taxi Start (Normal Tariff)

$4.24 NZ$7.24

$0.45 Rp 8,047

842.22%

Taxi (Normal Tariff) (1km)

$1.93 NZ$3.29

$0.45 Rp 8,094

328.89%

Taxi 1hour Waiting (Normal Tariff)

$42.67 NZ$72.9

$6.24 Rp 111.7K

583.81%

Gasoline (1 liter)

$1.64 NZ$2.81

$0.85 Rp 15.2K

92.94%

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

$23.6K NZ$40.3K

$26.0K Rp 465.4M

-9.21%

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

$23.4K NZ$40.0K

$31.7K Rp 567.2M

-26.02%

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

$92.5 NZ$158

$80.8 Rp 1.4M

14.49%

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

$38.79 NZ$66.2

$4.06 Rp 72.7K

855.42%

Internet (50+ Mbps, Unlimited Data)

$53.0 NZ$90.5

$24.42 Rp 437.6K

117.08%

Gym Membership (Monthly)

$31.48 NZ$53.8

$97.7 Rp 1.7M

-67.77%

Tennis Court (1 Hour on Weekend)

$16.84 NZ$28.75

$6.45 Rp 115.5K

161.09%

Cinema Ticket

$13.64 NZ$23.30

$4.04 Rp 72.4K

237.62%

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

$861 NZ$1,470

$304 Rp 5.4M

183.18%

International Primary School, 1 Child (Yearly)

$18.0K NZ$30.7K

$6,621 Rp 118.6M

171.97%

Jeans (Levis 501 Or Similar)

$60.9 NZ$104

$54.2 Rp 971.7K

12.24%

Summer Dress (H&M, Zara, etc)

$40.31 NZ$68.8

$38.78 Rp 694.7K

3.95%

Sport Shoes (Adidas, Nike)

$88.0 NZ$150

$86.1 Rp 1.5M

2.12%

Men's Leather Business Shoes

$118 NZ$201

$76.7 Rp 1.4M

53.57%

1-bedroom Apartment, City Center (Monthly)

$959 NZ$1,637

$986 Rp 17.7M

-2.75%

1-bedroom Apartment, Outside City Center (Monthly)

$871 NZ$1,487

$658 Rp 11.8M

32.33%

3-bedroom Apartment, City Center (Monthly)

$1,221 NZ$2,085

$3,369 Rp 60.4M

-63.76%

3-bedroom Apartment, Outside City Center (Monthly)

$1,630 NZ$2,784

$2,066 Rp 37.0M

-21.08%

Buy Apartment in City Center (m2)

$3,989 NZ$6,812

$2,741 Rp 49.1M

45.51%

Buy Apartment Outside City Center (m2)

$4,560 NZ$7,787

$2,228 Rp 39.9M

104.73%

Average Monthly Net Salary (After Tax)

$2,664 NZ$4,549

$163 Rp 2.9M

1530.25%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.83

13.28

-48.57%

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

Last update for Hamilton: June 7, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $959 in Hamilton and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamilton pays 1530% 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: $83.0 in Hamilton vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $311 vs $297 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 35% gap adds up to real monthly savings that compound significantly over time.

Hamilton pays 1530% more on average, 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: $959 in Hamilton versus $986 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 $33.00 versus $83.0 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,899 per month in Hamilton versus $1,404 in Ubud, Bali – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,404 in Ubud, Bali versus $1,899 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 35% less than in Hamilton. Beyond cost, consider language, visa policies, and how big the international community is in each city.