Last update: Oct 2026

Cost of Living Comparison Between Masterton and Ubud, Bali

For one person, living is cheaper in Masterton: $841 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

41

Cost of Living Index in Masterton
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Masterton Living Index
65

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

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Masterton

🇳🇿 New Zealand

$841

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $841 in Masterton versus $1,349 in Ubud, Bali.

Masterton $841
Ubud, Bali $1,349

Estimated couple costs with rent: $1,446 in Masterton versus $2,305 in Ubud, Bali.

Masterton $1,446
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $2,051 in Masterton versus $3,261 in Ubud, Bali.

Masterton $2,051
Ubud, Bali $3,261

Living in Masterton costs roughly 38% less than in Ubud, Bali.

Meal at Budget Restaurant

$9.26 NZ$16.44

$3.32 Rp 60.2K

178.92%

Three-Course Dinner for Two, Mid-Range

$65.0 NZ$115

$35.64 Rp 645.8K

82.24%

Fast Food Meal (McDonalds, etc)

$8.77 NZ$15.58

$5.53 Rp 100.3K

58.59%

Cappuccino

$3.35 NZ$5.95

$2.72 Rp 49.3K

23.16%

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

$1.95 NZ$3.46

$1.70 Rp 30.8K

14.71%

Water (0.33 liter bottle)

$1.11 NZ$1.97

$0.76 Rp 13.8K

46.05%

Local Beer (0.5 liter draught)

$3.96 NZ$7.04

$2.65 Rp 48.1K

49.43%

Imported Beer (0.33 liter bottle)

$3.40 NZ$6.04

$4.38 Rp 79.4K

-22.37%

Milk (1 liter)

$1.46 NZ$2.59

$1.49 Rp 27.0K

-2.01%

White Bread (500g)

$2.13 NZ$3.77

$2.28 Rp 41.2K

-6.58%

Rice (white) (1kg)

$1.10 NZ$1.95

$1.19 Rp 21.6K

-7.56%

Eggs

$6.49 NZ$11.51

$2.04 Rp 36.9K

218.14%

Local Cheese (1kg)

$8.59 NZ$15.25

$17.70 Rp 320.8K

-51.47%

Chicken Fillets (1kg)

$9.94 NZ$17.65

$3.96 Rp 71.8K

151.01%

Beef Round Steak (1kg)

$15.03 NZ$26.69

$12.19 Rp 220.9K

23.30%

Apples (1kg)

$2.22 NZ$3.93

$3.66 Rp 66.2K

-39.34%

Banana (1kg)

$1.81 NZ$3.21

$1.52 Rp 27.5K

19.08%

Oranges (1kg)

$3.04 NZ$5.40

$2.23 Rp 40.4K

36.32%

Tomato (1kg)

$4.48 NZ$7.95

$1.97 Rp 35.7K

127.41%

Potato (1kg)

$1.51 NZ$2.69

$1.85 Rp 33.5K

-18.38%

Onion (1kg)

$1.09 NZ$1.94

$2.42 Rp 43.9K

-54.96%

Lettuce (1 head)

$1.71 NZ$3.04

$0.99 Rp 17.9K

72.73%

Water (1.5 liter bottle)

$0.52 NZ$0.93

$0.51 Rp 9,303

1.96%

Cigarettes 20 Pack (Marlboro, Camel)

$19.90 NZ$35.33

$2.22 Rp 40.3K

796.40%

Wine (Bottle)

$11.48 NZ$20.39

$22.24 Rp 403.0K

-48.38%

Local Beer (0.5 liter bottle)

$0.88 NZ$1.56

$2.26 Rp 41.0K

-61.06%

Imported Beer (0.33 liter bottle)

$1.22 NZ$2.17

$2.97 Rp 53.8K

-58.92%

One-way Ticket (Public Transport)

$2.23 NZ$3.97

$0.25 Rp 4,548

792.00%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$1.89 NZ$3.36

$0.44 Rp 7,964

329.55%

Taxi (Normal Tariff) (1km)

$1.80 NZ$3.20

$0.43 Rp 7,793

318.60%

Taxi 1hour Waiting (Normal Tariff)

$33.98 NZ$60.3

$5.41 Rp 98.0K

528.10%

Gasoline (1 liter)

$1.73 NZ$3.08

$0.82 Rp 14.9K

110.98%

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

$22.9K NZ$40.6K

$23.8K Rp 432.0M

-4.09%

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

$23.9K NZ$42.4K

$31.7K Rp 575.3M

-24.80%

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

$56.0 NZ$99.5

$79.1 Rp 1.4M

-29.13%

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

$29.91 NZ$53.1

$6.45 Rp 116.8K

363.72%

Internet (50+ Mbps, Unlimited Data)

$53.4 NZ$94.8

$18.58 Rp 336.7K

187.30%

Gym Membership (Monthly)

$42.36 NZ$75.2

$49.48 Rp 896.7K

-14.39%

Tennis Court (1 Hour on Weekend)

$8.22 NZ$14.59

$17.65 Rp 319.8K

-53.43%

Cinema Ticket

$9.47 NZ$16.81

$4.27 Rp 77.4K

121.78%

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

$1,038 NZ$1,844

$491 Rp 8.9M

111.70%

International Primary School, 1 Child (Yearly)

$13.3K NZ$23.6K

$5,674 Rp 102.8M

134.63%

Jeans (Levis 501 Or Similar)

$56.7 NZ$101

$44.64 Rp 808.9K

26.93%

Summer Dress (H&M, Zara, etc)

$28.47 NZ$50.6

$34.95 Rp 633.4K

-18.54%

Sport Shoes (Adidas, Nike)

$105 NZ$186

$79.9 Rp 1.4M

30.88%

Men's Leather Business Shoes

$141 NZ$250

$79.4 Rp 1.4M

77.30%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$1,019 NZ$1,809

$3,565 Rp 64.6M

-71.42%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$2,339 NZ$4,152

$164 Rp 3.0M

1327.48%

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 Masterton: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Masterton

$293 34.8%

Ubud, Bali

$288 21.4% 1.5% $4.4

Eating Out

Masterton

$179 21.3%

Ubud, Bali

$108 8% 40% $72

Clothing & Footwear

Masterton

$149 17.7%

Ubud, Bali

$108 8% 27.7% $41

Monthly Utilities & Internet

Masterton

$139 16.6%

Ubud, Bali

$104 7.7% 25.3% $35

Sport & Entertainment

Masterton

$61 7.3%

Ubud, Bali

$58 4.3% 5.3% $3.3

Getting Around

Masterton

$20 * 2.4%

Ubud, Bali

$11 0.9% 42.4% $8.4

Accommodation & Living

Masterton

- * 0%

Ubud, Bali

$672 49.8%

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

Cost Breakdown

Masterton pays about 14 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $65 in Masterton vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $293 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Masterton

🇮🇩 Ubud, Bali

🕒 Local time

12:23 12:23 PM

07:23 7:23 AM

5 h behind Masterton

🌤 Weather

👥 Population

26,800

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

100,000 IDR = 5.52 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 November 1, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Between locations

Masterton Ubud, Bali 6,920 km ≈ 9 h nonstop flight

From you

Masterton
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

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

Average pay in Masterton is about 14 times higher, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $65 in Masterton. If you eat out regularly, this makes a real dent in your monthly spending.

Childcare runs $1,038 in Masterton versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $841 in Masterton versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Masterton but tight or insufficient in Ubud, Bali. The gap between the two cities makes Masterton the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Masterton and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.