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: $2,247 in Lower Hutt versus $1,379 in Ubud, Bali.

Estimated couple costs with rent: $3,120 in Lower Hutt versus $2,363 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,993 in Lower Hutt versus $3,347 in Ubud, Bali.

Living in Lower Hutt is roughly 63% more expensive than in Ubud, Bali, driven mainly by Getting Around.

Both cities are pricier than the global median: Lower Hutt 64% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$11.11 NZ$18.66

$3.31 Rp 58.9K

235.65%

Three-Course Dinner for Two, Mid-Range

$35.70 NZ$60.0

$39.08 Rp 694.5K

-8.65%

Fast Food Meal (McDonalds, etc)

$9.63 NZ$16.17

$5.62 Rp 99.8K

71.35%

Cappuccino

$3.24 NZ$5.43

$2.64 Rp 46.9K

22.73%

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

$2.01 NZ$3.37

$1.58 Rp 28.2K

27.22%

Water (0.33 liter bottle)

$1.88 NZ$3.16

$0.71 Rp 12.6K

164.79%

Local Beer (0.5 liter draught)

$2.87 NZ$4.83

$2.73 Rp 48.5K

5.13%

Imported Beer (0.33 liter bottle)

$7.17 NZ$12.04

$4.32 Rp 76.8K

65.97%

Milk (1 liter)

$2.07 NZ$3.48

$1.54 Rp 27.4K

34.42%

White Bread (500g)

$2.10 NZ$3.52

$2.30 Rp 40.8K

-8.70%

Rice (white) (1kg)

$1.99 NZ$3.34

$1.03 Rp 18.3K

93.20%

Eggs

$7.49 NZ$12.58

$2.12 Rp 37.7K

253.30%

Local Cheese (1kg)

$9.31 NZ$15.64

$17.30 Rp 307.5K

-46.18%

Chicken Fillets (1kg)

$8.65 NZ$14.53

$4.03 Rp 71.6K

114.64%

Beef Round Steak (1kg)

$14.04 NZ$23.57

$12.42 Rp 220.8K

13.04%

Apples (1kg)

$2.86 NZ$4.80

$3.70 Rp 65.7K

-22.70%

Banana (1kg)

$2.05 NZ$3.45

$1.62 Rp 28.7K

26.54%

Oranges (1kg)

$3.11 NZ$5.22

$2.27 Rp 40.3K

37.00%

Tomato (1kg)

$6.74 NZ$11.33

$1.99 Rp 35.4K

238.69%

Potato (1kg)

$2.24 NZ$3.77

$1.83 Rp 32.5K

22.40%

Onion (1kg)

$1.22 NZ$2.05

$2.25 Rp 40.1K

-45.78%

Lettuce (1 head)

$2.16 NZ$3.63

$1.04 Rp 18.6K

107.69%

Water (1.5 liter bottle)

$1.22 NZ$2.05

$0.56 Rp 10.0K

117.86%

Cigarettes 20 Pack (Marlboro, Camel)

$20.30 NZ$34.09

$2.22 Rp 39.5K

814.41%

Wine (Bottle)

$9.99 NZ$16.78

$23.22 Rp 412.7K

-56.98%

Local Beer (0.5 liter bottle)

$3.25 NZ$5.45

$2.39 Rp 42.5K

35.98%

Imported Beer (0.33 liter bottle)

$2.91 NZ$4.88

$2.87 Rp 51.1K

1.39%

One-way Ticket (Public Transport)

$2.60 NZ$4.36

$0.25 Rp 4,416

940.00%

Public Transport Monthly Pass (Regular Price)

$86.9 NZ$146

$7.17 Rp 127.4K

1111.85%

Taxi Start (Normal Tariff)

$1.98 NZ$3.33

$0.46 Rp 8,163

330.43%

Taxi (Normal Tariff) (1km)

$1.93 NZ$3.24

$0.46 Rp 8,235

319.57%

Taxi 1hour Waiting (Normal Tariff)

$34.90 NZ$58.6

$5.70 Rp 101.2K

512.28%

Gasoline (1 liter)

$1.59 NZ$2.67

$0.76 Rp 13.6K

109.21%

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

$26.8K NZ$45.0K

$24.6K Rp 436.7M

9.04%

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

$26.2K NZ$44.1K

$31.0K Rp 551.5M

-15.41%

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

$199 NZ$334

$82.2 Rp 1.5M

141.78%

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

$32.38 NZ$54.4

$6.33 Rp 112.5K

411.53%

Internet (50+ Mbps, Unlimited Data)

$55.1 NZ$92.4

$18.54 Rp 329.6K

196.93%

Gym Membership (Monthly)

$43.32 NZ$72.7

$56.1 Rp 996.2K

-22.71%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$10.72 NZ$18.00

$4.26 Rp 75.8K

151.64%

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

$714 NZ$1,198

$489 Rp 8.7M

45.86%

International Primary School, 1 Child (Yearly)

$12.0K NZ$20.2K

$5,793 Rp 103.0M

107.67%

Jeans (Levis 501 Or Similar)

$82.2 NZ$138

$45.98 Rp 817.3K

78.77%

Summer Dress (H&M, Zara, etc)

$29.66 NZ$49.81

$35.86 Rp 637.4K

-17.29%

Sport Shoes (Adidas, Nike)

$106 NZ$177

$79.5 Rp 1.4M

32.72%

Men's Leather Business Shoes

$164 NZ$275

$80.9 Rp 1.4M

102.38%

1-bedroom Apartment, City Center (Monthly)

$1,495 NZ$2,511

$1,144 Rp 20.3M

30.72%

1-bedroom Apartment, Outside City Center (Monthly)

$1,070 NZ$1,797

$692 Rp 12.3M

54.68%

3-bedroom Apartment, City Center (Monthly)

$2,462 NZ$4,134

$3,532 Rp 62.8M

-30.29%

3-bedroom Apartment, Outside City Center (Monthly)

$1,641 NZ$2,756

$1,709 Rp 30.4M

-3.96%

Buy Apartment in City Center (m2)

$4,982 NZ$8,366

$2,785 Rp 49.5M

78.91%

Buy Apartment Outside City Center (m2)

$3,426 NZ$5,753

$2,261 Rp 40.2M

51.50%

Average Monthly Net Salary (After Tax)

$3,367 NZ$5,654

$169 Rp 3.0M

1888.50%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

13.78

-60.89%

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

Last update for Lower Hutt: August 18, 2026

Last update for Ubud, Bali: August 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,495 in Lower Hutt and $1,144 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lower Hutt pays 1889% 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: $36.00 in Lower Hutt vs $39.00 in Ubud, Bali. Groceries flip the comparison at $340 vs $293, with Ubud, Bali cheaper for home cooking.

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, Getting Around, Monthly Utilities & Internet. The 63% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1889% higher in Lower Hutt, 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: $1,495 in Lower Hutt versus $1,144 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 1112% less than in Lower Hutt. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $714 in Lower Hutt versus $489 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,379 in Ubud, Bali versus $2,247 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 63% less than in Lower Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.