Last update: Oct 2026

Cost of Living Comparison Between Napier and Dundalk

For one person, living is cheaper in Napier: $2,192 a month against $2,559 in Dundalk, rent and utilities included – about $4,400 less a year. Rent and utilities account for most of the difference.

107

Cost of Living Index in Napier
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Napier Living Index
124

Cost of Living Index in Dundalk
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Dundalk Living Index

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Napier

🇳🇿 New Zealand

$2,192

/mo nomad

Dundalk

🇮🇪 Ireland

$2,559

/mo nomad

Monthly Cost of Living

How much you'll spend in Napier and in Dundalk

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Napier and in Dundalk actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,192 in Napier versus $2,559 in Dundalk.

Napier $2,192
Dundalk $2,559

Estimated couple costs with rent: $3,179 in Napier versus $3,749 in Dundalk.

Napier $3,179
Dundalk $3,749

Monthly costs for a family of three with rent: $4,165 in Napier versus $4,939 in Dundalk.

Napier $4,165
Dundalk $4,939

Living in Napier costs roughly 14% less than in Dundalk, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Napier 62% above, Dundalk 90% above.

Meal at Budget Restaurant

$18.79 NZ$33.22

$18.47 €16.43

1.73%

Three-Course Dinner for Two, Mid-Range

$92.3 NZ$163

$88.9 €79.1

3.81%

Fast Food Meal (McDonalds, etc)

$9.46 NZ$16.72

$12.14 €10.80

-22.08%

Cappuccino

$3.30 NZ$5.84

$3.81 €3.39

-13.39%

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

$2.19 NZ$3.88

$2.16 €1.92

1.39%

Water (0.33 liter bottle)

$2.30 NZ$4.07

$1.28 €1.14

79.69%

Local Beer (0.5 liter draught)

$6.54 NZ$11.57

$6.63 €5.90

-1.36%

Imported Beer (0.33 liter bottle)

$5.71 NZ$10.10

$5.52 €4.91

3.44%

Milk (1 liter)

$1.60 NZ$2.83

$1.44 €1.28

11.11%

White Bread (500g)

$1.46 NZ$2.58

$0.93 €0.82

56.99%

Rice (white) (1kg)

$1.46 NZ$2.58

$1.32 €1.17

10.61%

Eggs

$5.85 NZ$10.35

$4.60 €4.09

27.17%

Local Cheese (1kg)

$7.38 NZ$13.05

$13.92 €12.38

-46.98%

Chicken Fillets (1kg)

$8.40 NZ$14.85

$12.90 €11.47

-34.88%

Beef Round Steak (1kg)

$12.47 NZ$22.04

$16.84 €14.98

-25.95%

Apples (1kg)

$2.24 NZ$3.96

$2.27 €2.02

-1.32%

Banana (1kg)

$1.60 NZ$2.83

$2.29 €2.03

-30.13%

Oranges (1kg)

$3.07 NZ$5.44

$2.30 €2.04

33.48%

Tomato (1kg)

$2.86 NZ$5.06

$4.70 €4.18

-39.15%

Potato (1kg)

$1.73 NZ$3.06

$1.14 €1.02

51.75%

Onion (1kg)

$2.53 NZ$4.48

$1.82 €1.62

39.01%

Lettuce (1 head)

$1.91 NZ$3.38

$1.38 €1.23

38.41%

Water (1.5 liter bottle)

$1.22 NZ$2.16

$2.19 €1.95

-44.29%

Cigarettes 20 Pack (Marlboro, Camel)

$19.90 NZ$35.20

$19.47 €17.31

2.21%

Wine (Bottle)

$8.18 NZ$14.47

$13.13 €11.68

-37.70%

Local Beer (0.5 liter bottle)

$2.50 NZ$4.43

$4.20 €3.73

-40.48%

Imported Beer (0.33 liter bottle)

$2.42 NZ$4.29

$3.46 €3.08

-30.06%

One-way Ticket (Public Transport)

$1.73 NZ$3.05

$2.17 €1.93

-20.28%

Public Transport Monthly Pass (Regular Price)

$82.4 NZ$146

$112 €99.8

-26.54%

Taxi Start (Normal Tariff)

$2.25 NZ$3.99

$5.09 €4.53

-55.80%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.30

$1.42 €1.26

31.69%

Taxi 1hour Waiting (Normal Tariff)

$30.98 NZ$54.8

$18.60 €16.55

66.56%

Gasoline (1 liter)

$1.57 NZ$2.77

$2.01 €1.78

-21.89%

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

$25.3K NZ$44.8K

$39.6K €35.2K

-35.93%

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

$23.5K NZ$41.6K

$32.3K €28.7K

-27.14%

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

$186 NZ$328

$239 €212

-22.12%

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

$34.40 NZ$60.8

$21.44 €19.07

60.45%

Internet (50+ Mbps, Unlimited Data)

$48.56 NZ$85.9

$54.5 €48.47

-10.88%

Gym Membership (Monthly)

$32.97 NZ$58.3

$48.51 €43.15

-32.03%

Tennis Court (1 Hour on Weekend)

$10.51 NZ$18.58

$24.69 €21.96

-57.43%

Cinema Ticket

$8.31 NZ$14.70

$13.24 €11.78

-37.24%

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

$660 NZ$1,167

$1,076 €957

-38.67%

International Primary School, 1 Child (Yearly)

$16.6K NZ$29.3K

$5,138 €4,570

222.46%

Jeans (Levis 501 Or Similar)

$106 NZ$188

$95.9 €85.3

10.99%

Summer Dress (H&M, Zara, etc)

$53.2 NZ$94.1

$27.44 €24.41

93.95%

Sport Shoes (Adidas, Nike)

$104 NZ$183

$67.0 €59.6

54.87%

Men's Leather Business Shoes

$119 NZ$210

$122 €108

-2.38%

1-bedroom Apartment, City Center (Monthly)

$1,212 NZ$2,143

$1,758 €1,563

-31.06%

1-bedroom Apartment, Outside City Center (Monthly)

$1,046 NZ$1,849

$1,253 €1,115

-16.56%

3-bedroom Apartment, City Center (Monthly)

$1,656 NZ$2,928

$2,478 €2,204

-33.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,493 NZ$2,640

$2,011 €1,789

-25.77%

Buy Apartment in City Center (m2)

$4,715 NZ$8,339

$5,594 €4,976

-15.71%

Buy Apartment Outside City Center (m2)

$3,238 NZ$5,726

$5,024 €4,469

-35.55%

Average Monthly Net Salary (After Tax)

$2,953 NZ$5,223

$2,445 €2,175

20.80%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

4.14

57.97%

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

Last update for Napier: October 11, 2026

Last update for Dundalk: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Napier

$1K 47.7%

Dundalk

$1.3K 49% 19.8% $208

Eating Out

Napier

$280 12.8%

Dundalk

$288 11.3% 2.6% $7.4

Groceries & Markets

Napier

$275 12.6%

Dundalk

$355 13.9% 29.1% $80

Monthly Utilities & Internet

Napier

$269 12.3%

Dundalk

$314 12.3% 17% $46

Clothing & Footwear

Napier

$172 7.8%

Dundalk

$140 5.5% 18.4% $32

Getting Around

Napier

$101 4.6%

Dundalk

$133 5.2% 31.9% $32

Sport & Entertainment

Napier

$50 2.3%

Dundalk

$75 2.9% 51.2% $25

Cost Breakdown

A one-bedroom apartment in the center runs $1,212 in Napier and $1,758 in Dundalk. Housing cost is often the main lever when comparing two cities.

Napier pays 21% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $92.0 in Napier vs $89.0 in Dundalk. Groceries flip the comparison at $275 vs $355, with Napier cheaper for home cooking.

Good to know

🇳🇿 Napier

🇮🇪 Dundalk

🕒 Local time

02:41 2:41 AM

14:41 2:41 PM

12 h behind Napier

🌤 Weather

👥 Population

65,000

43,112

💱 Currency

New Zealand Dollar NZD $

Euro EUR €

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to NZD in detail →

On the map

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Between locations

Napier Dundalk 18,380 km ≈ 23 h nonstop flight

From you

Napier
Dundalk

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

Napier vs Dundalk: Cost of Living - Frequently Asked Questions

Napier is cheaper overall, especially in eating out, groceries, and transport. The 17% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 21% higher in Napier, 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: $1,212 in Napier versus $1,758 in Dundalk. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Napier – a meal for two runs $92.0 versus $89.0 in Dundalk. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,192 per month in Napier versus $2,559 in Dundalk – a 17% gap that adds up to real savings over time for anyone picking the cheaper option.

At $2,192 in Napier versus $2,559 in Dundalk, a $2,500 budget is realistic in Napier but tight or insufficient in Dundalk. The gap between the two cities makes Napier 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, Napier and Dundalk 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 Napier gentler on the wallet – expenses run 17% less than in Dundalk. Beyond cost, consider language, visa policies, and how big the international community is in each city.