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: $2,223 in Lower Hutt versus $1,348 in Ubud, Bali.

Estimated couple costs with rent: $3,016 in Lower Hutt versus $2,312 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,810 in Lower Hutt versus $3,276 in Ubud, Bali.

Living in Lower Hutt is roughly 65% more expensive than in Ubud, Bali, driven mainly by Getting Around.

Both cities are pricier than the global median: Lower Hutt 66% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$10.94 NZ$19.44

$3.33 Rp 59.7K

228.53%

Three-Course Dinner for Two, Mid-Range

$34.24 NZ$60.9

$35.42 Rp 634.2K

-3.33%

Fast Food Meal (McDonalds, etc)

$9.14 NZ$16.25

$5.76 Rp 103.1K

58.68%

Cappuccino

$3.05 NZ$5.42

$2.63 Rp 47.1K

15.97%

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

$1.96 NZ$3.48

$1.74 Rp 31.1K

12.64%

Water (0.33 liter bottle)

$1.68 NZ$2.99

$0.77 Rp 13.8K

118.18%

Local Beer (0.5 liter draught)

$2.76 NZ$4.91

$2.71 Rp 48.4K

1.85%

Imported Beer (0.33 liter bottle)

$6.99 NZ$12.42

$4.52 Rp 80.9K

54.65%

Milk (1 liter)

$1.88 NZ$3.33

$1.53 Rp 27.5K

22.88%

White Bread (500g)

$1.68 NZ$2.99

$2.20 Rp 39.3K

-23.64%

Rice (white) (1kg)

$1.93 NZ$3.42

$1.22 Rp 21.8K

58.20%

Eggs

$6.87 NZ$12.21

$2.14 Rp 38.3K

221.03%

Local Cheese (1kg)

$8.56 NZ$15.21

$17.73 Rp 317.5K

-51.72%

Chicken Fillets (1kg)

$8.62 NZ$15.32

$3.86 Rp 69.0K

123.32%

Beef Round Steak (1kg)

$12.84 NZ$22.83

$12.03 Rp 215.3K

6.73%

Apples (1kg)

$2.76 NZ$4.91

$3.61 Rp 64.6K

-23.55%

Banana (1kg)

$2.00 NZ$3.56

$1.51 Rp 27.1K

32.45%

Oranges (1kg)

$3.07 NZ$5.45

$2.32 Rp 41.5K

32.33%

Tomato (1kg)

$4.66 NZ$8.29

$2.00 Rp 35.9K

133.00%

Potato (1kg)

$2.17 NZ$3.85

$1.81 Rp 32.4K

19.89%

Onion (1kg)

$1.29 NZ$2.29

$2.39 Rp 42.7K

-46.03%

Lettuce (1 head)

$2.10 NZ$3.73

$0.99 Rp 17.8K

112.12%

Water (1.5 liter bottle)

$1.16 NZ$2.06

$0.52 Rp 9,389

123.08%

Cigarettes 20 Pack (Marlboro, Camel)

$16.91 NZ$30.07

$2.18 Rp 39.1K

675.69%

Wine (Bottle)

$8.55 NZ$15.21

$22.98 Rp 411.4K

-62.79%

Local Beer (0.5 liter bottle)

$3.25 NZ$5.78

$2.40 Rp 42.9K

35.42%

Imported Beer (0.33 liter bottle)

$2.83 NZ$5.02

$3.00 Rp 53.7K

-5.67%

One-way Ticket (Public Transport)

$2.77 NZ$4.92

$0.24 Rp 4,262

1054.17%

Public Transport Monthly Pass (Regular Price)

$84.7 NZ$151

$6.99 Rp 125.2K

1111.44%

Taxi Start (Normal Tariff)

$1.86 NZ$3.30

$0.44 Rp 7,889

322.73%

Taxi (Normal Tariff) (1km)

$1.83 NZ$3.25

$0.42 Rp 7,595

335.71%

Taxi 1hour Waiting (Normal Tariff)

$33.72 NZ$59.9

$5.45 Rp 97.6K

518.72%

Gasoline (1 liter)

$1.69 NZ$3.01

$0.84 Rp 15.1K

101.19%

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

$25.4K NZ$45.2K

$24.3K Rp 435.6M

4.59%

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

$25.1K NZ$44.5K

$31.9K Rp 571.0M

-21.44%

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

$143 NZ$254

$80.8 Rp 1.4M

77.00%

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

$32.72 NZ$58.2

$6.58 Rp 117.8K

397.26%

Internet (50+ Mbps, Unlimited Data)

$54.5 NZ$96.8

$18.24 Rp 326.6K

198.52%

Gym Membership (Monthly)

$38.56 NZ$68.6

$55.1 Rp 987.1K

-30.06%

Tennis Court (1 Hour on Weekend)

$18.51 Rp 331.5K

Cinema Ticket

$10.21 NZ$18.15

$4.24 Rp 76.0K

140.80%

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

$673 NZ$1,196

$486 Rp 8.7M

38.56%

International Primary School, 1 Child (Yearly)

$11.3K NZ$20.0K

$5,676 Rp 101.6M

98.39%

Jeans (Levis 501 Or Similar)

$77.9 NZ$138

$45.18 Rp 809.0K

72.31%

Summer Dress (H&M, Zara, etc)

$28.11 NZ$49.97

$34.57 Rp 619.0K

-18.69%

Sport Shoes (Adidas, Nike)

$105 NZ$186

$79.2 Rp 1.4M

32.38%

Men's Leather Business Shoes

$148 NZ$262

$77.6 Rp 1.4M

90.20%

1-bedroom Apartment, City Center (Monthly)

$1,410 NZ$2,506

$1,127 Rp 20.2M

25.13%

1-bedroom Apartment, Outside City Center (Monthly)

$1,150 NZ$2,044

$674 Rp 12.1M

70.53%

3-bedroom Apartment, City Center (Monthly)

$2,133 NZ$3,793

$3,618 Rp 64.8M

-41.04%

3-bedroom Apartment, Outside City Center (Monthly)

$1,673 NZ$2,975

$1,735 Rp 31.1M

-3.54%

Buy Apartment in City Center (m2)

$4,825 NZ$8,578

$2,829 Rp 50.7M

70.55%

Buy Apartment Outside City Center (m2)

$3,304 NZ$5,875

$2,307 Rp 41.3M

43.25%

Average Monthly Net Salary (After Tax)

$3,183 NZ$5,659

$166 Rp 3.0M

1821.30%

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: October 6, 2026

Last update for Ubud, Bali: October 5, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,410 in Lower Hutt and $1,127 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Lower Hutt pays 1821% 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: $34.00 in Lower Hutt vs $35.00 in Ubud, Bali. Groceries flip the comparison at $310 vs $290, 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 65% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1821% 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: $1,410 in Lower Hutt versus $1,127 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 1111% less than in Lower Hutt. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $673 in Lower Hutt versus $486 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,348 in Ubud, Bali versus $2,223 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 65% less than in Lower Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.