Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,917 in Hamilton, rent and utilities included – about $6,800 less a year. Rent and utilities account for about half of the difference.

93

Cost of Living Index in Hamilton
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Hamilton Living Index
65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index

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Hamilton

🇳🇿 New Zealand

$1,917

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamilton and in Ubud, Bali

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 Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,917 in Hamilton versus $1,349 in Ubud, Bali.

Hamilton $1,917
Ubud, Bali $1,349

Estimated couple costs with rent: $2,828 in Hamilton versus $2,305 in Ubud, Bali.

Hamilton $2,828
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,739 in Hamilton versus $3,261 in Ubud, Bali.

Hamilton $3,739
Ubud, Bali $3,261

Living in Hamilton is roughly 42% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$12.20 NZ$21.47

$3.32 Rp 59.9K

267.47%

Three-Course Dinner for Two, Mid-Range

$74.6 NZ$131

$35.64 Rp 642.4K

109.23%

Fast Food Meal (McDonalds, etc)

$8.34 NZ$14.68

$5.53 Rp 99.7K

50.81%

Cappuccino

$3.49 NZ$6.15

$2.72 Rp 49.0K

28.31%

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

$2.31 NZ$4.07

$1.70 Rp 30.7K

35.88%

Water (0.33 liter bottle)

$2.50 NZ$4.40

$0.76 Rp 13.7K

228.95%

Local Beer (0.5 liter draught)

$6.08 NZ$10.70

$2.65 Rp 47.8K

129.43%

Imported Beer (0.33 liter bottle)

$5.61 NZ$9.87

$4.38 Rp 79.0K

28.08%

Milk (1 liter)

$1.46 NZ$2.57

$1.49 Rp 26.9K

-2.01%

White Bread (500g)

$1.25 NZ$2.20

$2.28 Rp 41.0K

-45.18%

Rice (white) (1kg)

$1.94 NZ$3.41

$1.19 Rp 21.5K

63.03%

Eggs

$5.52 NZ$9.71

$2.04 Rp 36.7K

170.59%

Local Cheese (1kg)

$5.78 NZ$10.17

$17.70 Rp 319.1K

-67.34%

Chicken Fillets (1kg)

$7.18 NZ$12.64

$3.96 Rp 71.4K

81.31%

Beef Round Steak (1kg)

$11.70 NZ$20.60

$12.19 Rp 219.7K

-4.02%

Apples (1kg)

$2.71 NZ$4.76

$3.66 Rp 65.9K

-25.96%

Banana (1kg)

$2.31 NZ$4.06

$1.52 Rp 27.4K

51.97%

Oranges (1kg)

$3.24 NZ$5.71

$2.23 Rp 40.2K

45.29%

Tomato (1kg)

$6.21 NZ$10.93

$1.97 Rp 35.6K

215.23%

Potato (1kg)

$2.05 NZ$3.61

$1.85 Rp 33.3K

10.81%

Onion (1kg)

$1.41 NZ$2.49

$2.42 Rp 43.7K

-41.74%

Lettuce (1 head)

$2.49 NZ$4.38

$0.99 Rp 17.8K

151.52%

Water (1.5 liter bottle)

$0.98 NZ$1.73

$0.51 Rp 9,255

92.16%

Cigarettes 20 Pack (Marlboro, Camel)

$26.19 NZ$46.10

$2.22 Rp 40.0K

1079.73%

Wine (Bottle)

$10.72 NZ$18.87

$22.24 Rp 400.9K

-51.80%

Local Beer (0.5 liter bottle)

$4.02 NZ$7.08

$2.26 Rp 40.7K

77.88%

Imported Beer (0.33 liter bottle)

$4.14 NZ$7.29

$2.97 Rp 53.5K

39.39%

One-way Ticket (Public Transport)

$2.66 NZ$4.68

$0.25 Rp 4,525

964.00%

Public Transport Monthly Pass (Regular Price)

$52.7 NZ$92.7

$7.82 Rp 141.0K

573.27%

Taxi Start (Normal Tariff)

$3.70 NZ$6.51

$0.44 Rp 7,923

740.91%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,753

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 97.5K

Gasoline (1 liter)

$1.67 NZ$2.93

$0.82 Rp 14.9K

103.66%

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

$28.2K NZ$49.7K

$23.8K Rp 429.7M

18.35%

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

$22.4K NZ$39.3K

$31.7K Rp 572.3M

-29.60%

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

$58.3 NZ$103

$79.1 Rp 1.4M

-26.31%

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

$36.48 NZ$64.2

$6.45 Rp 116.2K

465.58%

Internet (50+ Mbps, Unlimited Data)

$55.5 NZ$97.6

$18.58 Rp 334.9K

198.60%

Gym Membership (Monthly)

$25.73 NZ$45.29

$49.48 Rp 892.0K

-48.00%

Tennis Court (1 Hour on Weekend)

$28.98 NZ$51.0

$17.65 Rp 318.1K

64.19%

Cinema Ticket

$13.93 NZ$24.52

$4.27 Rp 77.0K

226.23%

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

$670 NZ$1,180

$491 Rp 8.8M

36.65%

International Primary School, 1 Child (Yearly)

$22.5K NZ$39.5K

$5,674 Rp 102.3M

295.67%

Jeans (Levis 501 Or Similar)

$63.7 NZ$112

$44.64 Rp 804.7K

42.59%

Summer Dress (H&M, Zara, etc)

$38.93 NZ$68.5

$34.95 Rp 630.1K

11.39%

Sport Shoes (Adidas, Nike)

$94.7 NZ$167

$79.9 Rp 1.4M

18.56%

Men's Leather Business Shoes

$107 NZ$188

$79.4 Rp 1.4M

34.17%

1-bedroom Apartment, City Center (Monthly)

$1,090 NZ$1,918

$1,125 Rp 20.3M

-3.14%

1-bedroom Apartment, Outside City Center (Monthly)

$987 NZ$1,737

$671 Rp 12.1M

47.01%

3-bedroom Apartment, City Center (Monthly)

$1,636 NZ$2,879

$3,565 Rp 64.3M

-54.11%

3-bedroom Apartment, Outside City Center (Monthly)

$1,476 NZ$2,598

$1,723 Rp 31.1M

-14.35%

Buy Apartment in City Center (m2)

$4,019 NZ$7,074

$2,732 Rp 49.2M

47.14%

Buy Apartment Outside City Center (m2)

$4,525 NZ$7,964

$2,284 Rp 41.2M

98.11%

Average Monthly Net Salary (After Tax)

$2,678 NZ$4,713

$164 Rp 3.0M

1534.45%

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: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Hamilton

$987 51.5%

Ubud, Bali

$672 49.8% 32% $316

Groceries & Markets

Hamilton

$297 15.5%

Ubud, Bali

$288 21.4% 2.9% $8.8

Eating Out

Hamilton

$225 11.8%

Ubud, Bali

$108 8% 52.2% $118

Monthly Utilities & Internet

Hamilton

$150 7.8%

Ubud, Bali

$104 7.7% 30.7% $46

Clothing & Footwear

Hamilton

$137 7.1%

Ubud, Bali

$108 8% 21.4% $29

Getting Around

Hamilton

$67 * 3.5%

Ubud, Bali

$11 0.9% 83% $56

Sport & Entertainment

Hamilton

$54 2.8%

Ubud, Bali

$58 4.3% 8.3% $4.4

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 $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Hamilton pays about 16 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $75 in Hamilton vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $297 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Hamilton

🇮🇩 Ubud, Bali

🕒 Local time

02:05 2:05 AM

21:05 9:05 PM

5 h behind Hamilton

🌤 Weather

👥 Population

169,500

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.568 USD

1 NZD = 0.511 EUR

100,000 IDR = 5.55 USD

100,000 IDR = 4.98 EUR

Exchange rates and currency converter

IDR, USD, EUR 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).

Indonesian Rupiah exchange rates as of October 28, 2026: 1 USD = 18,025 IDR (100,000 IDR = 5.55 USD). 1 EUR = 20,061 IDR (100,000 IDR = 4.98 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Hamilton Ubud, Bali 6,810 km ≈ 9 h nonstop flight

From you

Hamilton
Ubud, Bali

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 Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in eating out, utilities, and transport. The 42% gap adds up to real monthly savings that compound significantly over time.

Average pay in Hamilton is about 16 times higher, 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 $1,125 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 versus $75 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,917 per month in Hamilton versus $1,349 in Ubud, Bali – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, 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.

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