Last update: Oct 2026

Cost of Living Comparison Between Invercargill and Ubud, Bali

For one person, living costs are similar in Invercargill and in Ubud, Bali: $1,412 and $1,368 a month, rent and utilities included.

68

Cost of Living Index in Invercargill
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Invercargill Living Index
67

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

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Invercargill

🇳🇿 New Zealand

$1,412

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Invercargill 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 Invercargill and in Ubud, Bali actually costs, broken down by who's living it.

A single person spends $1,412 per month in Invercargill vs $1,368 in Ubud, Bali, rent included.

Invercargill $1,412
Ubud, Bali $1,368

A couple spends around $2,099 per month in Invercargill vs $2,314 in Ubud, Bali, rent included.

Invercargill $2,099
Ubud, Bali $2,314

A family of three spends $2,785 per month in Invercargill vs $3,260 in Ubud, Bali, rent included.

Invercargill $2,785
Ubud, Bali $3,260

Invercargill costs about 3% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both Invercargill and Ubud, Bali sit above the global median – Invercargill by 5%, Ubud, Bali by 1%.

Meal at Budget Restaurant

$14.04 NZ$24.83

$3.33 Rp 59.9K

321.62%

Three-Course Dinner for Two, Mid-Range

$61.2 NZ$108

$35.18 Rp 633.2K

74.05%

Fast Food Meal (McDonalds, etc)

$8.32 NZ$14.71

$5.80 Rp 104.5K

43.45%

Cappuccino

$3.12 NZ$5.52

$2.73 Rp 49.1K

14.29%

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

$1.65 NZ$2.92

$1.64 Rp 29.5K

0.61%

Water (0.33 liter bottle)

$2.03 NZ$3.60

$0.83 Rp 15.0K

144.58%

Local Beer (0.5 liter draught)

$2.74 NZ$4.85

$2.70 Rp 48.6K

1.48%

Imported Beer (0.33 liter bottle)

$2.74 NZ$4.85

$4.30 Rp 77.4K

-36.28%

Milk (1 liter)

$1.68 NZ$2.96

$1.50 Rp 27.1K

12.00%

White Bread (500g)

$1.85 NZ$3.27

$2.30 Rp 41.4K

-19.57%

Rice (white) (1kg)

$1.76 NZ$3.11

$1.18 Rp 21.2K

49.15%

Eggs

$5.58 NZ$9.87

$2.14 Rp 38.6K

160.75%

Local Cheese (1kg)

$8.23 NZ$14.55

$17.48 Rp 314.6K

-52.92%

Chicken Fillets (1kg)

$8.83 NZ$15.61

$4.03 Rp 72.5K

119.11%

Beef Round Steak (1kg)

$12.12 NZ$21.44

$12.23 Rp 220.1K

-0.90%

Apples (1kg)

$2.55 NZ$4.50

$3.55 Rp 63.9K

-28.17%

Banana (1kg)

$2.36 NZ$4.17

$1.57 Rp 28.3K

50.32%

Oranges (1kg)

$2.66 NZ$4.70

$2.24 Rp 40.2K

18.75%

Tomato (1kg)

$3.52 NZ$6.23

$1.93 Rp 34.7K

82.38%

Potato (1kg)

$3.21 NZ$5.68

$1.88 Rp 33.9K

70.74%

Onion (1kg)

$1.61 NZ$2.85

$2.29 Rp 41.3K

-29.69%

Lettuce (1 head)

$2.33 NZ$4.13

$0.99 Rp 17.9K

135.35%

Water (1.5 liter bottle)

$1.04 NZ$1.84

$0.53 Rp 9,475

96.23%

Cigarettes 20 Pack (Marlboro, Camel)

$20.39 NZ$36.06

$2.28 Rp 41.1K

794.30%

Wine (Bottle)

$8.56 NZ$15.14

$23.01 Rp 414.2K

-62.80%

Local Beer (0.5 liter bottle)

$2.86 NZ$5.06

$2.34 Rp 42.2K

22.22%

Imported Beer (0.33 liter bottle)

$3.39 NZ$5.99

$2.91 Rp 52.4K

16.49%

One-way Ticket (Public Transport)

$1.41 NZ$2.49

$0.24 Rp 4,315

487.50%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$2.27 NZ$4.01

$0.48 Rp 8,684

372.92%

Taxi (Normal Tariff) (1km)

$1.94 NZ$3.42

$0.46 Rp 8,233

321.74%

Taxi 1hour Waiting (Normal Tariff)

$27.73 NZ$49.04

$5.45 Rp 98.2K

408.81%

Gasoline (1 liter)

$1.59 NZ$2.81

$0.88 Rp 15.9K

80.68%

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

$23.8K NZ$42.1K

$24.6K Rp 442.2M

-3.12%

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

$18.2K NZ$32.3K

$31.2K Rp 561.4M

-41.51%

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

$109 NZ$192

$83.0 Rp 1.5M

30.98%

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

$32.30 NZ$57.1

$6.45 Rp 116.0K

400.78%

Internet (50+ Mbps, Unlimited Data)

$42.46 NZ$75.1

$18.57 Rp 334.2K

128.65%

Gym Membership (Monthly)

$27.87 NZ$49.29

$55.8 Rp 1.0M

-50.07%

Tennis Court (1 Hour on Weekend)

$13.77 NZ$24.34

$18.11 Rp 326.0K

-23.96%

Cinema Ticket

$8.82 NZ$15.60

$4.38 Rp 78.9K

101.37%

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

$589 NZ$1,042

$493 Rp 8.9M

19.53%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

Jeans (Levis 501 Or Similar)

$57.4 NZ$102

$46.19 Rp 831.4K

24.33%

Summer Dress (H&M, Zara, etc)

$35.07 NZ$62.0

$35.33 Rp 636.0K

-0.74%

Sport Shoes (Adidas, Nike)

$70.0 NZ$124

$79.1 Rp 1.4M

-11.56%

Men's Leather Business Shoes

$79.0 NZ$140

$78.4 Rp 1.4M

0.75%

1-bedroom Apartment, City Center (Monthly)

$594 NZ$1,050

$1,142 Rp 20.6M

-48.02%

1-bedroom Apartment, Outside City Center (Monthly)

$551 NZ$974

$676 Rp 12.2M

-18.49%

3-bedroom Apartment, City Center (Monthly)

$831 NZ$1,470

$3,503 Rp 63.1M

-76.28%

3-bedroom Apartment, Outside City Center (Monthly)

$764 NZ$1,350

$1,700 Rp 30.6M

-55.08%

Buy Apartment in City Center (m2)

$5,482 NZ$9,695

$2,784 Rp 50.1M

96.91%

Buy Apartment Outside City Center (m2)

$5,034 NZ$8,902

$2,241 Rp 40.3M

124.67%

Average Monthly Net Salary (After Tax)

$2,729 NZ$4,826

$165 Rp 3.0M

1558.36%

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: October 12, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Invercargill

$551 39%

Ubud, Bali

$676 49.4% 22.7% $125

Groceries & Markets

Invercargill

$298 21.1%

Ubud, Bali

$290 21.2% 2.5% $7.4

Eating Out

Invercargill

$209 14.8%

Ubud, Bali

$109 8% 47.9% $100

Monthly Utilities & Internet

Invercargill

$183 13%

Ubud, Bali

$108 7.9% 41.1% $75

Clothing & Footwear

Invercargill

$109 7.7%

Ubud, Bali

$108 7.9% 1% $1.1

Sport & Entertainment

Invercargill

$46 3.2%

Ubud, Bali

$65 4.7% 41.9% $19

Getting Around

Invercargill

$18 * 1.2%

Ubud, Bali

$13 0.9% 28.6% $5

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $594 in Invercargill versus $1,142 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 1558% 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 $61.0 in Invercargill versus $35.00 in Ubud, Bali. Monthly groceries follow the same trend: $298 vs $290 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇳🇿 Invercargill

🇮🇩 Ubud, Bali

🕒 Local time

08:28 8:28 AM

03:28 3:28 AM

5 h behind Invercargill

🌤 Weather

👥 Population

56,200

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 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 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Invercargill Ubud, Bali 6,550 km ≈ 9 h nonstop flight

From you

Invercargill
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

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

Invercargill costs about 3% more than Ubud, Bali, and outside of rent the gap comes mainly from 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 $2,119 per month in Invercargill and $2,051 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 $1,412 in Invercargill and $1,368 in Ubud, Bali. That's a gap of about 3%.

Kindergarten costs $589 per month in Invercargill and $493 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 $1,368, than in Invercargill at $1,412. 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 $1,368 versus $1,412 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.