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 $1,522 per month in Invercargill vs $1,438 in Ubud, Bali, rent included.

A couple spends around $2,447 per month in Invercargill vs $2,585 in Ubud, Bali, rent included.

A family of three spends $3,372 per month in Invercargill vs $3,732 in Ubud, Bali, rent included.

Invercargill costs about 6% more than Ubud, Bali, driven mainly by Eating Out.

Both Invercargill and Ubud, Bali sit above the global median – Invercargill by 14%, Ubud, Bali by 7%.

Meal at Budget Restaurant

$12.05 NZ$20.60

$3.57 Rp 61.9K

237.54%

Three-Course Dinner for Two, Mid-Range

$72.2 NZ$123

$32.58 Rp 564.7K

121.52%

Fast Food Meal (McDonalds, etc)

$8.32 NZ$14.23

$5.07 Rp 87.8K

64.10%

Cappuccino

$3.40 NZ$5.81

$2.83 Rp 49.0K

20.14%

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

$1.75 NZ$3.00

$1.34 Rp 23.2K

30.60%

Water (0.33 liter bottle)

$1.49 NZ$2.55

$0.69 Rp 12.0K

115.94%

Local Beer (0.5 liter draught)

$6.06 NZ$10.35

$2.99 Rp 51.8K

102.68%

Imported Beer (0.33 liter bottle)

$4.77 NZ$8.15

$3.85 Rp 66.7K

23.90%

Milk (1 liter)

$1.51 NZ$2.59

$1.74 Rp 30.2K

-13.22%

White Bread (500g)

$1.80 NZ$3.09

$2.54 Rp 44.0K

-29.13%

Rice (white) (1kg)

$1.73 NZ$2.96

$1.19 Rp 20.6K

45.38%

Eggs

$5.48 NZ$9.38

$2.43 Rp 42.0K

125.51%

Local Cheese (1kg)

$8.46 NZ$14.46

$14.66 Rp 254.1K

-42.29%

Chicken Fillets (1kg)

$9.27 NZ$15.85

$4.18 Rp 72.4K

121.77%

Beef Round Steak (1kg)

$13.18 NZ$22.54

$11.94 Rp 206.9K

10.39%

Apples (1kg)

$2.84 NZ$4.86

$3.69 Rp 63.9K

-23.04%

Banana (1kg)

$2.26 NZ$3.87

$1.61 Rp 27.8K

40.37%

Oranges (1kg)

$2.55 NZ$4.36

$2.69 Rp 46.5K

-5.20%

Tomato (1kg)

$3.77 NZ$6.44

$2.33 Rp 40.4K

61.80%

Potato (1kg)

$1.90 NZ$3.26

$1.91 Rp 33.0K

-0.52%

Onion (1kg)

$1.78 NZ$3.04

$2.19 Rp 37.9K

-18.72%

Lettuce (1 head)

$2.44 NZ$4.18

$1.06 Rp 18.3K

130.19%

Water (1.5 liter bottle)

$1.11 NZ$1.90

$0.72 Rp 12.5K

54.17%

Cigarettes 20 Pack (Marlboro, Camel)

$22.32 NZ$38.16

$3.13 Rp 54.3K

613.10%

Wine (Bottle)

$9.02 NZ$15.42

$23.49 Rp 407.1K

-61.60%

Local Beer (0.5 liter bottle)

$4.07 NZ$6.97

$2.74 Rp 47.5K

48.54%

Imported Beer (0.33 liter bottle)

$3.64 NZ$6.22

$2.88 Rp 49.9K

26.39%

One-way Ticket (Public Transport)

$1.53 NZ$2.62

$0.29 Rp 5,029

427.59%

Public Transport Monthly Pass (Regular Price)

$64.5 NZ$110

$8.17 Rp 141.6K

688.98%

Taxi Start (Normal Tariff)

$2.45 NZ$4.19

$0.45 Rp 7,863

444.44%

Taxi (Normal Tariff) (1km)

$1.93 NZ$3.31

$0.42 Rp 7,305

359.52%

Taxi 1hour Waiting (Normal Tariff)

$30.05 NZ$51.4

$6.16 Rp 106.7K

387.82%

Gasoline (1 liter)

$1.63 NZ$2.79

$0.84 Rp 14.6K

94.05%

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

$25.9K NZ$44.3K

$26.2K Rp 454.9M

-1.22%

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

$20.1K NZ$34.4K

$32.5K Rp 562.9M

-38.14%

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

$102 NZ$175

$78.4 Rp 1.4M

30.62%

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

$35.57 NZ$60.8

$3.95 Rp 68.5K

800.51%

Internet (50+ Mbps, Unlimited Data)

$50.0 NZ$85.5

$24.40 Rp 423.0K

104.96%

Gym Membership (Monthly)

$29.52 NZ$50.5

$96.5 Rp 1.7M

-69.42%

Tennis Court (1 Hour on Weekend)

$12.18 NZ$20.82

$6.35 Rp 110.0K

91.81%

Cinema Ticket

$9.55 NZ$16.33

$4.04 Rp 70.0K

136.39%

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

$594 NZ$1,016

$303 Rp 5.2M

96.34%

International Primary School, 1 Child (Yearly)

$11.8K NZ$20.3K

$6,523 Rp 113.1M

81.58%

Jeans (Levis 501 Or Similar)

$66.0 NZ$113

$53.8 Rp 933.1K

22.59%

Summer Dress (H&M, Zara, etc)

$34.63 NZ$59.2

$37.98 Rp 658.3K

-8.82%

Sport Shoes (Adidas, Nike)

$83.1 NZ$142

$86.8 Rp 1.5M

-4.22%

Men's Leather Business Shoes

$84.5 NZ$145

$78.9 Rp 1.4M

7.20%

1-bedroom Apartment, City Center (Monthly)

$633 NZ$1,083

$1,012 Rp 17.5M

-37.45%

1-bedroom Apartment, Outside City Center (Monthly)

$582 NZ$995

$674 Rp 11.7M

-13.77%

3-bedroom Apartment, City Center (Monthly)

$872 NZ$1,491

$3,390 Rp 58.8M

-74.27%

3-bedroom Apartment, Outside City Center (Monthly)

$1,047 NZ$1,791

$2,098 Rp 36.4M

-50.09%

Buy Apartment in City Center (m2)

$5,021 NZ$8,586

$2,985 Rp 51.7M

68.23%

Buy Apartment Outside City Center (m2)

$3,531 NZ$6,038

$2,339 Rp 40.5M

50.95%

Average Monthly Net Salary (After Tax)

$3,099 NZ$5,299

$173 Rp 3.0M

1689.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.87

13.28

-48.27%

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

Last update for Invercargill: April 27, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A central one-bedroom costs $633 in Invercargill versus $1,012 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 1690% 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 $72.0 in Invercargill versus $33.00 in Ubud, Bali. Monthly groceries follow the same trend: $308 vs $298 – 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 6% 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 $2,282 per month in Invercargill and $2,158 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.

Groceries cost about 3% more in Invercargill, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $72.0 in Invercargill and $33.00 in Ubud, Bali. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,438, than in Invercargill at $1,522. 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 $1,438 versus $1,522 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.