Cost of Living Comparison Between Masterton and Ubud, Bali Cost of Living Comparison Between Masterton and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,510 in Masterton versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $2,430 in Masterton versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,350 in Masterton versus $3,723 in Ubud, Bali.

Living in Masterton is roughly 9% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Masterton 13% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$10.01 NZ$16.98

$3.57 Rp 64.5K

180.39%

Three-Course Dinner for Two, Mid-Range

$89.1 NZ$151

$32.32 Rp 583.4K

175.68%

Fast Food Meal (McDonalds, etc)

$8.82 NZ$14.95

$5.01 Rp 90.4K

76.05%

Cappuccino

$3.25 NZ$5.51

$2.82 Rp 51.0K

15.25%

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

$2.07 NZ$3.51

$1.35 Rp 24.4K

53.33%

Water (0.33 liter bottle)

$1.57 NZ$2.66

$0.73 Rp 13.2K

115.07%

Local Beer (0.5 liter draught)

$3.60 NZ$6.10

$2.93 Rp 53.0K

22.87%

Imported Beer (0.33 liter bottle)

$4.10 NZ$6.95

$3.94 Rp 71.1K

4.06%

Milk (1 liter)

$1.49 NZ$2.53

$1.78 Rp 32.1K

-16.29%

White Bread (500g)

$1.62 NZ$2.74

$2.45 Rp 44.2K

-33.88%

Rice (white) (1kg)

$1.17 NZ$1.98

$1.15 Rp 20.7K

1.74%

Eggs

$6.31 NZ$10.70

$2.41 Rp 43.6K

161.83%

Local Cheese (1kg)

$7.27 NZ$12.32

$14.33 Rp 258.7K

-49.27%

Chicken Fillets (1kg)

$9.21 NZ$15.61

$4.19 Rp 75.6K

119.81%

Beef Round Steak (1kg)

$12.60 NZ$21.36

$12.06 Rp 217.7K

4.48%

Apples (1kg)

$1.78 NZ$3.02

$3.64 Rp 65.7K

-51.10%

Banana (1kg)

$1.86 NZ$3.16

$1.57 Rp 28.3K

18.47%

Oranges (1kg)

$2.56 NZ$4.34

$2.79 Rp 50.3K

-8.24%

Tomato (1kg)

$3.42 NZ$5.80

$2.24 Rp 40.5K

52.68%

Potato (1kg)

$1.44 NZ$2.43

$1.98 Rp 35.7K

-27.27%

Onion (1kg)

$1.21 NZ$2.05

$2.28 Rp 41.1K

-46.93%

Lettuce (1 head)

$1.84 NZ$3.13

$1.05 Rp 19.0K

75.24%

Water (1.5 liter bottle)

$0.91 NZ$1.55

$0.79 Rp 14.2K

15.19%

Cigarettes 20 Pack (Marlboro, Camel)

$20.66 NZ$35.02

$3.19 Rp 57.6K

547.65%

Wine (Bottle)

$10.99 NZ$18.63

$23.49 Rp 424.1K

-53.21%

Local Beer (0.5 liter bottle)

$2.33 NZ$3.95

$2.90 Rp 52.3K

-19.66%

Imported Beer (0.33 liter bottle)

$2.62 NZ$4.45

$2.76 Rp 49.7K

-5.07%

One-way Ticket (Public Transport)

$2.45 NZ$4.16

$0.27 Rp 4,813

807.41%

Public Transport Monthly Pass (Regular Price)

$65.2 NZ$110

$8.37 Rp 151.1K

678.49%

Taxi Start (Normal Tariff)

$2.36 NZ$4.00

$0.45 Rp 8,167

424.44%

Taxi (Normal Tariff) (1km)

$1.78 NZ$3.01

$0.46 Rp 8,298

286.96%

Taxi 1hour Waiting (Normal Tariff)

$41.16 NZ$69.8

$6.07 Rp 109.6K

578.09%

Gasoline (1 liter)

$1.63 NZ$2.77

$0.86 Rp 15.6K

89.53%

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

$24.1K NZ$40.8K

$26.6K Rp 480.0M

-9.45%

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

$22.8K NZ$38.6K

$32.5K Rp 587.6M

-30.04%

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

$80.0 NZ$136

$79.0 Rp 1.4M

1.19%

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

$32.22 NZ$54.6

$4.09 Rp 73.9K

687.78%

Internet (50+ Mbps, Unlimited Data)

$47.35 NZ$80.3

$23.85 Rp 430.5K

98.53%

Gym Membership (Monthly)

$39.93 NZ$67.7

$98.8 Rp 1.8M

-59.58%

Tennis Court (1 Hour on Weekend)

$8.97 NZ$15.20

$6.35 Rp 114.7K

41.26%

Cinema Ticket

$8.24 NZ$13.97

$4.01 Rp 72.3K

105.49%

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

$397 NZ$673

$297 Rp 5.4M

33.47%

International Primary School, 1 Child (Yearly)

$4,899 NZ$8,305

$6,602 Rp 119.2M

-25.79%

Jeans (Levis 501 Or Similar)

$70.4 NZ$119

$53.4 Rp 964.5K

31.74%

Summer Dress (H&M, Zara, etc)

$29.77 NZ$50.5

$38.11 Rp 688.1K

-21.88%

Sport Shoes (Adidas, Nike)

$103 NZ$175

$88.7 Rp 1.6M

16.38%

Men's Leather Business Shoes

$116 NZ$196

$76.6 Rp 1.4M

50.86%

1-bedroom Apartment, City Center (Monthly)

$793 NZ$1,345

$1,020 Rp 18.4M

-22.22%

1-bedroom Apartment, Outside City Center (Monthly)

$597 NZ$1,012

$680 Rp 12.3M

-12.29%

3-bedroom Apartment, City Center (Monthly)

$1,244 NZ$2,108

$3,469 Rp 62.6M

-64.15%

3-bedroom Apartment, Outside City Center (Monthly)

$1,100 NZ$1,864

$2,090 Rp 37.7M

-47.38%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

Average Monthly Net Salary (After Tax)

$2,400 NZ$4,068

$164 Rp 3.0M

1366.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

13.28

-49.62%

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

Last update for Masterton: July 26, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $793 in Masterton and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Masterton pays 1366% 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: $89.0 in Masterton vs $32.00 in Ubud, Bali. Groceries flip the comparison at $278 vs $298, with Masterton 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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Getting Around, Monthly Utilities & Internet. The 9% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1366% higher in Masterton, 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: $793 in Masterton versus $1,020 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $32.00 versus $89.0 in Masterton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,510 per month in Masterton versus $1,392 in Ubud, Bali – a 9% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,392 in Ubud, Bali versus $1,510 in Masterton, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Masterton. 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 Masterton, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Masterton 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 9% less than in Masterton. Beyond cost, consider language, visa policies, and how big the international community is in each city.