Last update: Oct 2026

Cost of Living Comparison Between Hong Kong and Coffs Harbour

For one person, living is cheaper in Coffs Harbour: $2,422 a month against $2,984 in Hong Kong, rent and utilities included – about $6,700 less a year. Rent and utilities account for most of the difference.

144

Cost of Living Index in Hong Kong
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Hong Kong Living Index
119

Cost of Living Index in Coffs Harbour
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Coffs Harbour Living Index

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Hong Kong

🇭🇰 Hong Kong (China)

$2,984

/mo nomad

Coffs Harbour

🇦🇺 Australia

$2,422

/mo nomad

Monthly Cost of Living

How much you'll spend in Hong Kong and in Coffs Harbour

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

Monthly costs for one person with rent: $2,984 in Hong Kong versus $2,422 in Coffs Harbour.

Hong Kong $2,984
Coffs Harbour $2,422

Estimated couple costs with rent: $4,584 in Hong Kong versus $3,551 in Coffs Harbour.

Hong Kong $4,584
Coffs Harbour $3,551

Monthly costs for a family of three with rent: $6,183 in Hong Kong versus $4,680 in Coffs Harbour.

Hong Kong $6,183
Coffs Harbour $4,680

Living in Hong Kong is roughly 23% more expensive than in Coffs Harbour, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Hong Kong 121% above, Coffs Harbour 79% above.

Meal at Budget Restaurant

$7.75 HK$60.8

$13.90 A$20.00

-44.24%

Three-Course Dinner for Two, Mid-Range

$64.7 HK$508

$105 A$151

-38.18%

Fast Food Meal (McDonalds, etc)

$6.18 HK$48.51

$9.16 A$13.18

-32.53%

Cappuccino

$5.08 HK$39.85

$3.70 A$5.32

37.30%

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

$1.31 HK$10.31

$2.80 A$4.03

-53.21%

Water (0.33 liter bottle)

$1.09 HK$8.56

$1.94 A$2.80

-43.81%

Local Beer (0.5 liter draught)

$7.47 HK$58.6

$5.07 A$7.29

47.34%

Imported Beer (0.33 liter bottle)

$6.50 HK$51.0

$5.53 A$7.96

17.54%

Milk (1 liter)

$2.89 HK$22.71

$1.52 A$2.18

90.13%

White Bread (500g)

$2.31 HK$18.14

$2.73 A$3.92

-15.38%

Rice (white) (1kg)

$2.13 HK$16.71

$2.33 A$3.35

-8.58%

Eggs

$3.52 HK$27.65

$3.40 A$4.89

3.53%

Local Cheese (1kg)

$24.72 HK$194

$9.04 A$13.00

173.45%

Chicken Fillets (1kg)

$8.52 HK$66.9

$7.15 A$10.28

19.16%

Beef Round Steak (1kg)

$18.00 HK$141

$14.16 A$20.38

27.12%

Apples (1kg)

$4.18 HK$32.79

$3.81 A$5.49

9.71%

Banana (1kg)

$2.68 HK$21.07

$3.03 A$4.37

-11.55%

Oranges (1kg)

$4.49 HK$35.22

$3.47 A$5.00

29.39%

Tomato (1kg)

$4.03 HK$31.66

$4.25 A$6.12

-5.18%

Potato (1kg)

$3.12 HK$24.51

$1.35 A$1.95

131.11%

Onion (1kg)

$3.15 HK$24.72

$2.50 A$3.59

26.00%

Lettuce (1 head)

$1.62 HK$12.75

$2.41 A$3.47

-32.78%

Water (1.5 liter bottle)

$1.74 HK$13.66

$2.33 A$3.35

-25.32%

Cigarettes 20 Pack (Marlboro, Camel)

$13.50 HK$106

$31.57 A$45.43

-57.24%

Wine (Bottle)

$16.54 HK$130

$14.01 A$20.16

18.06%

Local Beer (0.5 liter bottle)

$1.94 HK$15.19

$5.90 A$8.49

-67.12%

Imported Beer (0.33 liter bottle)

$2.18 HK$17.11

$6.76 A$9.72

-67.75%

One-way Ticket (Public Transport)

$1.41 HK$11.04

$4.84 A$6.97

-70.87%

Public Transport Monthly Pass (Regular Price)

$88.6 HK$696

Taxi Start (Normal Tariff)

$3.69 HK$28.94

$2.10 A$3.03

75.71%

Taxi (Normal Tariff) (1km)

$1.32 HK$10.36

$1.55 A$2.24

-14.84%

Taxi 1hour Waiting (Normal Tariff)

$15.77 HK$124

$35.59 A$51.2

-55.69%

Gasoline (1 liter)

$4.03 HK$31.65

$1.29 A$1.86

212.40%

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

$44.7K HK$350.5K

$26.5K A$38.2K

68.33%

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

$37.8K HK$296.6K

$32.7K A$47.0K

15.58%

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

$250 HK$1,959

$176 A$253

42.22%

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

$15.60 HK$122

$10.55 A$15.18

47.87%

Internet (50+ Mbps, Unlimited Data)

$21.77 HK$171

$53.5 A$77.0

-59.32%

Gym Membership (Monthly)

$94.2 HK$739

$108 A$155

-12.50%

Tennis Court (1 Hour on Weekend)

$9.29 HK$72.9

Cinema Ticket

$13.91 HK$109

$13.84 A$19.92

0.51%

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

$1,162 HK$9,122

$2,176 A$3,131

-46.58%

International Primary School, 1 Child (Yearly)

$21.9K HK$171.6K

$11.8K A$17.0K

85.10%

Jeans (Levis 501 Or Similar)

$68.0 HK$534

$74.9 A$108

-9.21%

Summer Dress (H&M, Zara, etc)

$41.91 HK$329

$54.0 A$77.7

-22.39%

Sport Shoes (Adidas, Nike)

$79.7 HK$626

$104 A$150

-23.38%

Men's Leather Business Shoes

$122 HK$956

$120 A$173

1.42%

1-bedroom Apartment, City Center (Monthly)

$2,241 HK$17.6K

$1,387 A$1,997

61.52%

1-bedroom Apartment, Outside City Center (Monthly)

$1,718 HK$13.5K

$1,259 A$1,812

36.43%

3-bedroom Apartment, City Center (Monthly)

$5,041 HK$39.6K

$2,108 A$3,033

139.14%

3-bedroom Apartment, Outside City Center (Monthly)

$3,435 HK$27.0K

$1,939 A$2,790

77.13%

Buy Apartment in City Center (m2)

$29.2K HK$229.0K

$3,557 A$5,119

720.30%

Buy Apartment Outside City Center (m2)

$17.6K HK$137.9K

$3,546 A$5,102

395.57%

Average Monthly Net Salary (After Tax)

$3,271 HK$25.7K

$3,275 A$4,713

-0.13%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.91

5.69

-31.28%

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

Last update for Hong Kong: October 10, 2026

Last update for Coffs Harbour: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Hong Kong

$1.7K 57.6%

Coffs Harbour

$1.3K 52% 26.7% $459

Groceries & Markets

Hong Kong

$411 13.8%

Coffs Harbour

$361 14.9% 12.2% $50

Monthly Utilities & Internet

Hong Kong

$287 9.6%

Coffs Harbour

$240 9.9% 16.5% $47

Eating Out

Hong Kong

$201 6.8%

Coffs Harbour

$238 9.8% 18.3% $37

Clothing & Footwear

Hong Kong

$140 4.7%

Coffs Harbour

$159 6.6% 13.4% $19

Sport & Entertainment

Hong Kong

$122 4.1%

Coffs Harbour

$135 5.6% 10.9% $13

Getting Around

Hong Kong

$105 3.5%

Coffs Harbour

$29 * 1.2% 72% $75

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 $2,241 in Hong Kong and $1,387 in Coffs Harbour. Housing cost is often the main lever when comparing two cities.

Coffs Harbour pays 0% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $65.0 in Hong Kong vs $105 in Coffs Harbour. Groceries flip the comparison at $411 vs $361, with Coffs Harbour cheaper for home cooking.

Good to know

🇭🇰 Hong Kong

🇦🇺 Coffs Harbour

🕒 Local time

04:16 4:16 AM

07:16 7:16 AM

3 h ahead of Hong Kong

🌤 Weather

👥 Population

1,367,900 Capital

78,759

💱 Currency

Hong Kong Dollar HKD $

Australian Dollar AUD $

📈 Exchange rate

1 HKD = 0.127 USD

1 HKD = 0.113 EUR

1 AUD = 0.695 USD

1 AUD = 0.618 EUR

Exchange rates and currency converter

AUD, USD, EUR to HKD – Hong Kong Dollar Converter

🇺🇸 United States Dollar ($)

🇭🇰 Hong Kong Dollar ($)

Hong Kong Dollar exchange rates as of October 17, 2026: 1 USD = 7.85 HKD (1 HKD = 0.127 USD). 1 EUR = 8.82 HKD (1 HKD = 0.113 EUR).

Australian Dollar exchange rates as of October 17, 2026: 1 USD = 1.44 AUD (1 AUD = 0.695 USD). 1 EUR = 1.62 AUD (1 AUD = 0.618 EUR).

USD to HKD in detail →

On the map

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Between locations

Hong Kong Coffs Harbour 7,170 km ≈ 9 h nonstop flight

From you

Hong Kong
Coffs Harbour

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

Hong Kong vs Coffs Harbour: Cost of Living - Frequently Asked Questions

Coffs Harbour is cheaper overall, especially in groceries and transport. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 0% lower in Coffs Harbour. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $2,241 in Hong Kong versus $1,387 in Coffs Harbour. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 14% higher in Hong Kong. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $2,984 per month in Hong Kong versus $2,422 in Coffs Harbour – a 23% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,422 in Coffs Harbour versus $2,984 in Hong Kong, a $2,500 budget is realistic in Coffs Harbour but tight or insufficient in Hong Kong. The gap between the two cities makes Coffs Harbour the clear choice for anyone on this budget.

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

Safety-wise, Hong Kong and Coffs Harbour 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 Coffs Harbour gentler on the wallet – expenses run 23% less than in Hong Kong. Beyond cost, consider language, visa policies, and how big the international community is in each city.