Cost of Living Comparison Between Lower Hutt and Ubud, Bali Cost of Living Comparison Between Lower Hutt and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $2,251 in Lower Hutt versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $3,342 in Lower Hutt versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,433 in Lower Hutt versus $3,694 in Ubud, Bali.

Living in Lower Hutt is roughly 60% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Lower Hutt 67% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$17.50 NZ$29.89

$3.57 Rp 64.0K

390.20%

Three-Course Dinner for Two, Mid-Range

$84.3 NZ$144

$32.50 Rp 582.3K

159.32%

Fast Food Meal (McDonalds, etc)

$10.90 NZ$18.61

$4.86 Rp 87.1K

124.28%

Cappuccino

$3.67 NZ$6.27

$2.75 Rp 49.2K

33.45%

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

$2.41 NZ$4.11

$1.32 Rp 23.7K

82.58%

Water (0.33 liter bottle)

$2.18 NZ$3.72

$0.70 Rp 12.6K

211.43%

Local Beer (0.5 liter draught)

$7.33 NZ$12.51

$2.91 Rp 52.2K

151.89%

Imported Beer (0.33 liter bottle)

$6.23 NZ$10.65

$3.79 Rp 68.0K

64.38%

Milk (1 liter)

$1.89 NZ$3.23

$1.71 Rp 30.6K

10.53%

White Bread (500g)

$2.12 NZ$3.62

$2.47 Rp 44.3K

-14.17%

Rice (white) (1kg)

$1.86 NZ$3.17

$1.20 Rp 21.5K

55.00%

Eggs

$6.91 NZ$11.80

$2.44 Rp 43.8K

183.20%

Local Cheese (1kg)

$8.27 NZ$14.13

$14.38 Rp 257.7K

-42.49%

Chicken Fillets (1kg)

$9.43 NZ$16.11

$4.31 Rp 77.1K

118.79%

Beef Round Steak (1kg)

$13.05 NZ$22.29

$12.21 Rp 218.7K

6.88%

Apples (1kg)

$2.53 NZ$4.31

$3.68 Rp 66.0K

-31.25%

Banana (1kg)

$2.09 NZ$3.57

$1.55 Rp 27.8K

34.84%

Oranges (1kg)

$2.57 NZ$4.38

$2.79 Rp 49.9K

-7.89%

Tomato (1kg)

$4.69 NZ$8.00

$2.33 Rp 41.8K

101.29%

Potato (1kg)

$1.99 NZ$3.39

$1.97 Rp 35.3K

1.02%

Onion (1kg)

$1.72 NZ$2.94

$2.31 Rp 41.4K

-25.54%

Lettuce (1 head)

$2.24 NZ$3.83

$1.06 Rp 19.1K

111.32%

Water (1.5 liter bottle)

$1.24 NZ$2.12

$0.73 Rp 13.1K

69.86%

Cigarettes 20 Pack (Marlboro, Camel)

$21.89 NZ$37.38

$3.28 Rp 58.8K

567.38%

Wine (Bottle)

$9.51 NZ$16.24

$22.79 Rp 408.4K

-58.27%

Local Beer (0.5 liter bottle)

$3.70 NZ$6.32

$2.81 Rp 50.3K

31.67%

Imported Beer (0.33 liter bottle)

$3.15 NZ$5.38

$2.78 Rp 49.9K

13.31%

One-way Ticket (Public Transport)

$2.65 NZ$4.53

$0.29 Rp 5,217

813.79%

Public Transport Monthly Pass (Regular Price)

$64.7 NZ$110

$8.06 Rp 144.4K

702.48%

Taxi Start (Normal Tariff)

$2.69 NZ$4.60

$0.45 Rp 8,047

497.78%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.19

$0.45 Rp 8,094

315.56%

Taxi 1hour Waiting (Normal Tariff)

$60.9 NZ$104

$6.24 Rp 111.7K

876.12%

Gasoline (1 liter)

$1.72 NZ$2.94

$0.85 Rp 15.2K

102.35%

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

$29.1K NZ$49.6K

$26.0K Rp 465.4M

11.86%

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

$25.2K NZ$43.0K

$31.7K Rp 567.2M

-20.45%

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

$158 NZ$270

$80.8 Rp 1.4M

96.11%

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

$37.73 NZ$64.4

$4.06 Rp 72.7K

829.31%

Internet (50+ Mbps, Unlimited Data)

$51.7 NZ$88.3

$24.42 Rp 437.6K

111.79%

Gym Membership (Monthly)

$41.92 NZ$71.6

$97.7 Rp 1.7M

-57.08%

Tennis Court (1 Hour on Weekend)

$11.92 NZ$20.35

$6.45 Rp 115.5K

84.81%

Cinema Ticket

$11.06 NZ$18.89

$4.04 Rp 72.4K

173.76%

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

$732 NZ$1,250

$304 Rp 5.4M

140.79%

International Primary School, 1 Child (Yearly)

$11.7K NZ$20.0K

$6,621 Rp 118.6M

77.05%

Jeans (Levis 501 Or Similar)

$72.4 NZ$124

$54.2 Rp 971.7K

33.41%

Summer Dress (H&M, Zara, etc)

$56.3 NZ$96.2

$38.78 Rp 694.7K

45.23%

Sport Shoes (Adidas, Nike)

$118 NZ$201

$86.1 Rp 1.5M

36.88%

Men's Leather Business Shoes

$141 NZ$240

$76.7 Rp 1.4M

83.54%

1-bedroom Apartment, City Center (Monthly)

$1,369 NZ$2,338

$986 Rp 17.7M

38.94%

1-bedroom Apartment, Outside City Center (Monthly)

$1,102 NZ$1,881

$658 Rp 11.8M

67.42%

3-bedroom Apartment, City Center (Monthly)

$2,387 NZ$4,077

$3,369 Rp 60.4M

-29.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 NZ$2,906

$2,066 Rp 37.0M

-17.63%

Buy Apartment in City Center (m2)

$6,916 NZ$11.8K

$2,741 Rp 49.1M

152.26%

Buy Apartment Outside City Center (m2)

$3,325 NZ$5,678

$2,228 Rp 39.9M

49.28%

Average Monthly Net Salary (After Tax)

$3,345 NZ$5,711

$163 Rp 2.9M

1946.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.94

13.28

-47.74%

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

Last update for Lower Hutt: June 8, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,369 in Lower Hutt and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lower Hutt pays 1947% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $84.0 in Lower Hutt vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $322 vs $297 per month, with Ubud, Bali cheaper across the board.

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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 60% gap adds up to real monthly savings that compound significantly over time.

Lower Hutt pays 1947% more on average, 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: $1,369 in Lower Hutt versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 702% less than in Lower Hutt. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $732 in Lower Hutt versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,404 in Ubud, Bali versus $2,251 in Lower Hutt, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Lower Hutt. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

For families, Ubud, Bali is more practical. Housing and childcare are both notably cheaper than in Lower Hutt, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Lower Hutt 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.

Expats usually find Ubud, Bali gentler on the wallet – expenses run 60% less than in Lower Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.