Last update: Oct 2026

Cost of Living Comparison Between Napier and Montevideo

For one person, living is cheaper in Montevideo: $1,771 a month against $2,251 in Napier, rent and utilities included – about $5,800 less a year. Higher rent and utilities in Napier outweigh lower spending on other living expenses.

108

Cost of Living Index in Napier
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Napier Living Index
85

Cost of Living Index in Montevideo
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Montevideo Living Index

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Napier

🇳🇿 New Zealand

$2,251

/mo nomad

Montevideo

🇺🇾 Uruguay

$1,771

/mo nomad

Monthly Cost of Living

How much you'll spend in Napier and in Montevideo

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 Montevideo actually costs, broken down by who's living it.

A single person spends $2,251 per month in Napier vs $1,771 in Montevideo, rent included.

Napier $2,251
Montevideo $1,771

A couple spends around $3,239 per month in Napier vs $2,784 in Montevideo, rent included.

Napier $3,239
Montevideo $2,784

A family of three spends $4,227 per month in Napier vs $3,797 in Montevideo, rent included.

Napier $4,227
Montevideo $3,797

Napier costs about 27% more than Montevideo, and outside of rent the biggest gap is in transport.

Both Napier and Montevideo sit above the global median – Napier by 65%, Montevideo by 30%.

Meal at Budget Restaurant

$18.60 NZ$33.04

$15.63 UYU 629

19.00%

Three-Course Dinner for Two, Mid-Range

$95.3 NZ$169

$69.9 UYU 2,812

36.29%

Fast Food Meal (McDonalds, etc)

$9.50 NZ$16.88

$14.51 UYU 583

-34.53%

Cappuccino

$3.45 NZ$6.14

$4.43 UYU 178

-22.12%

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

$2.27 NZ$4.02

$2.49 UYU 100

-8.84%

Water (0.33 liter bottle)

$2.32 NZ$4.12

$1.95 UYU 78.4

18.97%

Local Beer (0.5 liter draught)

$6.67 NZ$11.86

$4.78 UYU 192

39.54%

Imported Beer (0.33 liter bottle)

$5.74 NZ$10.20

$3.67 UYU 148

56.40%

Milk (1 liter)

$1.63 NZ$2.90

$1.26 UYU 50.6

29.37%

White Bread (500g)

$1.51 NZ$2.67

$2.98 UYU 120

-49.33%

Rice (white) (1kg)

$1.48 NZ$2.63

$1.74 UYU 70.0

-14.94%

Eggs

$5.65 NZ$10.03

$4.80 UYU 193

17.71%

Local Cheese (1kg)

$7.52 NZ$13.35

$14.06 UYU 565

-46.51%

Chicken Fillets (1kg)

$8.58 NZ$15.24

$11.35 UYU 456

-24.41%

Beef Round Steak (1kg)

$12.76 NZ$22.67

$12.16 UYU 489

4.93%

Apples (1kg)

$2.29 NZ$4.08

$2.74 UYU 110

-16.42%

Banana (1kg)

$1.67 NZ$2.97

$2.83 UYU 114

-40.99%

Oranges (1kg)

$3.13 NZ$5.55

$1.63 UYU 65.4

92.02%

Tomato (1kg)

$2.88 NZ$5.12

$3.18 UYU 128

-9.43%

Potato (1kg)

$1.79 NZ$3.18

$2.02 UYU 81.1

-11.39%

Onion (1kg)

$2.59 NZ$4.60

$2.13 UYU 85.5

21.60%

Lettuce (1 head)

$1.86 NZ$3.31

$1.39 UYU 56.0

33.81%

Water (1.5 liter bottle)

$1.18 NZ$2.10

$1.94 UYU 78.2

-39.18%

Cigarettes 20 Pack (Marlboro, Camel)

$20.68 NZ$36.73

$5.34 UYU 215

287.27%

Wine (Bottle)

$8.47 NZ$15.05

$8.31 UYU 334

1.93%

Local Beer (0.5 liter bottle)

$2.55 NZ$4.54

$2.35 UYU 94.3

8.51%

Imported Beer (0.33 liter bottle)

$2.44 NZ$4.34

$2.80 UYU 113

-12.86%

One-way Ticket (Public Transport)

$1.97 NZ$3.49

$1.55 UYU 62.4

27.10%

Public Transport Monthly Pass (Regular Price)

$104 NZ$185

$74.9 UYU 3,013

38.62%

Taxi Start (Normal Tariff)

$2.30 NZ$4.09

$1.91 UYU 76.9

20.42%

Taxi (Normal Tariff) (1km)

$1.84 NZ$3.27

$0.41 UYU 16.55

348.78%

Taxi 1hour Waiting (Normal Tariff)

$30.23 NZ$53.7

$10.38 UYU 417

191.23%

Gasoline (1 liter)

$1.54 NZ$2.74

$2.23 UYU 89.5

-30.94%

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

$25.9K NZ$46.0K

$26.5K UYU 1.1M

-2.43%

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

$23.9K NZ$42.4K

$35.9K UYU 1.4M

-33.46%

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

$185 NZ$329

$184 UYU 7,391

0.69%

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

$35.28 NZ$62.7

$20.15 UYU 810

75.09%

Internet (50+ Mbps, Unlimited Data)

$48.81 NZ$86.7

$43.24 UYU 1,739

12.88%

Gym Membership (Monthly)

$34.62 NZ$61.5

$48.47 UYU 1,949

-28.57%

Tennis Court (1 Hour on Weekend)

$10.85 NZ$19.28

$19.71 UYU 792

-44.95%

Cinema Ticket

$8.68 NZ$15.42

$12.11 UYU 487

-28.32%

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

$690 NZ$1,226

$636 UYU 25.6K

8.57%

International Primary School, 1 Child (Yearly)

$16.8K NZ$29.8K

$11.0K UYU 442.1K

52.77%

Jeans (Levis 501 Or Similar)

$107 NZ$190

$101 UYU 4,050

6.19%

Summer Dress (H&M, Zara, etc)

$35.09 NZ$62.3

$56.9 UYU 2,289

-38.36%

Sport Shoes (Adidas, Nike)

$104 NZ$185

$123 UYU 4,936

-15.02%

Men's Leather Business Shoes

$121 NZ$216

$130 UYU 5,241

-6.81%

1-bedroom Apartment, City Center (Monthly)

$1,193 NZ$2,120

$747 UYU 30.0K

59.74%

1-bedroom Apartment, Outside City Center (Monthly)

$1,080 NZ$1,918

$581 UYU 23.3K

85.99%

3-bedroom Apartment, City Center (Monthly)

$1,707 NZ$3,033

$1,284 UYU 51.6K

32.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,491 NZ$2,649

$1,125 UYU 45.2K

32.56%

Buy Apartment in City Center (m2)

$4,873 NZ$8,657

$3,653 UYU 146.9K

33.40%

Buy Apartment Outside City Center (m2)

$3,334 NZ$5,922

$2,029 UYU 81.6K

64.33%

Average Monthly Net Salary (After Tax)

$3,110 NZ$5,525

$1,284 UYU 51.6K

142.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

5.65

15.75%

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

Last update for Napier: October 24, 2026

Last update for Montevideo: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Napier

$1.1K 48%

Montevideo

$581 32.8% 46.2% $499

Eating Out

Napier

$282 12.5%

Montevideo

$271 15.3% 4% $11

Groceries & Markets

Napier

$279 12.4%

Montevideo

$330 18.6% 18.4% $51

Monthly Utilities & Internet

Napier

$269 12%

Montevideo

$247 14% 8.2% $22

Clothing & Footwear

Napier

$166 7.4%

Montevideo

$185 10.4% 11.7% $19

Getting Around

Napier

$123 5.5%

Montevideo

$85 4.8% 30.9% $38

Sport & Entertainment

Napier

$52 2.3%

Montevideo

$73 4.1% 39.8% $21

Cost Breakdown

A central one-bedroom costs $1,193 in Napier versus $747 in Montevideo. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Napier are about 2.4 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $95 in Napier versus $70 in Montevideo. Groceries tell a different story – $279 in Napier vs $330 in Montevideo – so Napier wins on supermarket bills even if dining out costs more.

Good to know

🇳🇿 Napier

🇺🇾 Montevideo

🕒 Local time

19:27 7:27 PM

03:27 3:27 AM

16 h behind Napier

🌤 Weather

👥 Population

65,000

1,319,108 Capital

💱 Currency

New Zealand Dollar NZD $

Uruguayan Peso UYU $U

📈 Exchange rate

1 NZD = 0.563 USD

1 NZD = 0.506 EUR

100 UYU = 2.49 USD

100 UYU = 2.23 EUR

Exchange rates and currency converter

UYU, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 29, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.506 EUR).

Uruguayan Peso exchange rates as of October 29, 2026: 1 USD = 40.21 UYU (100 UYU = 2.49 USD). 1 EUR = 44.76 UYU (100 UYU = 2.23 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Napier Montevideo 10,110 km ≈ 13 h nonstop flight

From you

Napier
Montevideo

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 Montevideo: Cost of Living - Frequently Asked Questions

Yes – Napier is pricier by about 27%, and outside of rent the gap shows up most in transport.

For a comfortable life, plan on about $3,376 per month in Napier and $2,657 in Montevideo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Montevideo, especially for central apartments: a one-bedroom in the center costs $747 there versus $1,193 in Napier.

Kindergarten costs $690 per month in Napier and $636 in Montevideo. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 16% cheaper in Napier – one category where the pricier city actually offers better value.

$2,500 covers both cities comfortably – all-in costs are $2,251 in Napier and $1,771 in Montevideo, leaving budget for savings and extras in both cases.

Families tend to lean toward Montevideo – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Montevideo. If higher salaries or specific career opportunities are the priority, Napier makes more sense. Both are solid long-term options with distinct trade-offs.