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

Monthly Cost of Living

A single person spends $1,478 per month in Invercargill vs $1,379 in Ubud, Bali, rent included.

A couple spends around $2,199 per month in Invercargill vs $2,363 in Ubud, Bali, rent included.

A family of three spends $2,919 per month in Invercargill vs $3,347 in Ubud, Bali, rent included.

Invercargill costs about 7% more than Ubud, Bali, driven mainly by Eating Out.

Both Invercargill and Ubud, Bali sit above the global median – Invercargill by 8%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$14.99 NZ$25.18

$3.31 Rp 58.9K

352.87%

Three-Course Dinner for Two, Mid-Range

$64.4 NZ$108

$39.08 Rp 694.5K

64.89%

Fast Food Meal (McDonalds, etc)

$8.83 NZ$14.83

$5.62 Rp 99.8K

57.12%

Cappuccino

$3.20 NZ$5.38

$2.64 Rp 46.9K

21.21%

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

$1.81 NZ$3.04

$1.58 Rp 28.2K

14.56%

Water (0.33 liter bottle)

$2.34 NZ$3.93

$0.71 Rp 12.6K

229.58%

Local Beer (0.5 liter draught)

$2.93 NZ$4.92

$2.73 Rp 48.5K

7.33%

Imported Beer (0.33 liter bottle)

$2.99 NZ$5.03

$4.32 Rp 76.8K

-30.79%

Milk (1 liter)

$1.77 NZ$2.97

$1.54 Rp 27.4K

14.94%

White Bread (500g)

$1.74 NZ$2.91

$2.30 Rp 40.8K

-24.35%

Rice (white) (1kg)

$1.84 NZ$3.10

$1.03 Rp 18.3K

78.64%

Eggs

$5.89 NZ$9.90

$2.12 Rp 37.7K

177.83%

Local Cheese (1kg)

$8.02 NZ$13.47

$17.30 Rp 307.5K

-53.64%

Chicken Fillets (1kg)

$8.84 NZ$14.84

$4.03 Rp 71.6K

119.35%

Beef Round Steak (1kg)

$12.78 NZ$21.47

$12.42 Rp 220.8K

2.90%

Apples (1kg)

$2.70 NZ$4.53

$3.70 Rp 65.7K

-27.03%

Banana (1kg)

$2.43 NZ$4.08

$1.62 Rp 28.7K

50.00%

Oranges (1kg)

$2.74 NZ$4.60

$2.27 Rp 40.3K

20.70%

Tomato (1kg)

$3.55 NZ$5.96

$1.99 Rp 35.4K

78.39%

Potato (1kg)

$3.39 NZ$5.70

$1.83 Rp 32.5K

85.25%

Onion (1kg)

$1.69 NZ$2.84

$2.25 Rp 40.1K

-24.89%

Lettuce (1 head)

$2.46 NZ$4.12

$1.04 Rp 18.6K

136.54%

Water (1.5 liter bottle)

$1.15 NZ$1.93

$0.56 Rp 10.0K

105.36%

Cigarettes 20 Pack (Marlboro, Camel)

$18.44 NZ$30.97

$2.22 Rp 39.5K

730.63%

Wine (Bottle)

$8.93 NZ$15.00

$23.22 Rp 412.7K

-61.54%

Local Beer (0.5 liter bottle)

$3.13 NZ$5.26

$2.39 Rp 42.5K

30.96%

Imported Beer (0.33 liter bottle)

$3.63 NZ$6.10

$2.87 Rp 51.1K

26.48%

One-way Ticket (Public Transport)

$1.57 NZ$2.64

$0.25 Rp 4,416

528.00%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

Taxi Start (Normal Tariff)

$2.39 NZ$4.02

$0.46 Rp 8,163

419.57%

Taxi (Normal Tariff) (1km)

$1.97 NZ$3.30

$0.46 Rp 8,235

328.26%

Taxi 1hour Waiting (Normal Tariff)

$29.37 NZ$49.33

$5.70 Rp 101.2K

415.26%

Gasoline (1 liter)

$1.63 NZ$2.73

$0.76 Rp 13.6K

114.47%

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

$25.1K NZ$42.2K

$24.6K Rp 436.7M

2.24%

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

$19.4K NZ$32.5K

$31.0K Rp 551.5M

-37.61%

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

$101 NZ$169

$82.2 Rp 1.5M

22.59%

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

$33.12 NZ$55.6

$6.33 Rp 112.5K

423.22%

Internet (50+ Mbps, Unlimited Data)

$44.53 NZ$74.8

$18.54 Rp 329.6K

140.18%

Gym Membership (Monthly)

$28.43 NZ$47.74

$56.1 Rp 996.2K

-49.28%

Tennis Court (1 Hour on Weekend)

$14.90 NZ$25.03

$18.41 Rp 327.2K

-19.07%

Cinema Ticket

$9.39 NZ$15.77

$4.26 Rp 75.8K

120.42%

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

$620 NZ$1,042

$489 Rp 8.7M

26.78%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

Jeans (Levis 501 Or Similar)

$59.8 NZ$100

$45.98 Rp 817.3K

30.12%

Summer Dress (H&M, Zara, etc)

$37.61 NZ$63.2

$35.86 Rp 637.4K

4.88%

Sport Shoes (Adidas, Nike)

$74.8 NZ$126

$79.5 Rp 1.4M

-5.99%

Men's Leather Business Shoes

$82.3 NZ$138

$80.9 Rp 1.4M

1.66%

1-bedroom Apartment, City Center (Monthly)

$626 NZ$1,052

$1,144 Rp 20.3M

-45.25%

1-bedroom Apartment, Outside City Center (Monthly)

$568 NZ$953

$692 Rp 12.3M

-17.97%

3-bedroom Apartment, City Center (Monthly)

$865 NZ$1,452

$3,532 Rp 62.8M

-75.52%

3-bedroom Apartment, Outside City Center (Monthly)

$797 NZ$1,339

$1,709 Rp 30.4M

-53.35%

Buy Apartment in City Center (m2)

$5,834 NZ$9,797

$2,785 Rp 49.5M

109.51%

Buy Apartment Outside City Center (m2)

$5,244 NZ$8,806

$2,261 Rp 40.2M

131.88%

Average Monthly Net Salary (After Tax)

$2,903 NZ$4,875

$169 Rp 3.0M

1614.69%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.72

13.78

-51.23%

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

Last update for Invercargill: August 17, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A central one-bedroom costs $626 in Invercargill versus $1,144 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1615% higher in Invercargill, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $64.0 in Invercargill versus $39.00 in Ubud, Bali. Monthly groceries follow the same trend: $307 vs $293 – making Ubud, Bali the more affordable choice for daily food spending.

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

Invercargill vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Invercargill costs about 7% more than Ubud, Bali, with the gap driven mainly by Eating Out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,218 per month in Invercargill and $2,069 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,478 in Invercargill and $1,379 in Ubud, Bali. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $620 per month in Invercargill and $489 in Ubud, Bali. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,379, than in Invercargill at $1,478. In Ubud, Bali it covers expenses comfortably, while in Invercargill it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,379 versus $1,478 in Invercargill. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Invercargill makes more sense. Both are solid long-term options with distinct trade-offs.