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

Monthly Cost of Living

Monthly costs for one person with rent: $1,946 in Napier versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $3,139 in Napier versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,333 in Napier versus $3,694 in Ubud, Bali.

Living in Napier is roughly 39% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Napier 45% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$20.18 NZ$34.46

$3.57 Rp 64.0K

465.27%

Three-Course Dinner for Two, Mid-Range

$100 NZ$171

$32.50 Rp 582.3K

208.74%

Fast Food Meal (McDonalds, etc)

$11.01 NZ$18.79

$4.86 Rp 87.1K

126.54%

Cappuccino

$3.59 NZ$6.12

$2.75 Rp 49.2K

30.55%

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

$2.29 NZ$3.91

$1.32 Rp 23.7K

73.48%

Water (0.33 liter bottle)

$2.26 NZ$3.86

$0.70 Rp 12.6K

222.86%

Local Beer (0.5 liter draught)

$7.31 NZ$12.49

$2.91 Rp 52.2K

151.20%

Imported Beer (0.33 liter bottle)

$6.14 NZ$10.49

$3.79 Rp 68.0K

62.01%

Milk (1 liter)

$1.73 NZ$2.96

$1.71 Rp 30.6K

1.17%

White Bread (500g)

$1.69 NZ$2.88

$2.47 Rp 44.3K

-31.58%

Rice (white) (1kg)

$1.89 NZ$3.23

$1.20 Rp 21.5K

57.50%

Eggs

$6.32 NZ$10.80

$2.44 Rp 43.8K

159.02%

Local Cheese (1kg)

$8.09 NZ$13.82

$14.38 Rp 257.7K

-43.74%

Chicken Fillets (1kg)

$9.46 NZ$16.16

$4.31 Rp 77.1K

119.49%

Beef Round Steak (1kg)

$12.48 NZ$21.30

$12.21 Rp 218.7K

2.21%

Apples (1kg)

$2.52 NZ$4.30

$3.68 Rp 66.0K

-31.52%

Banana (1kg)

$1.83 NZ$3.12

$1.55 Rp 27.8K

18.06%

Oranges (1kg)

$2.43 NZ$4.15

$2.79 Rp 49.9K

-12.90%

Tomato (1kg)

$3.31 NZ$5.65

$2.33 Rp 41.8K

42.06%

Potato (1kg)

$2.05 NZ$3.50

$1.97 Rp 35.3K

4.06%

Onion (1kg)

$2.15 NZ$3.66

$2.31 Rp 41.4K

-6.93%

Lettuce (1 head)

$2.11 NZ$3.61

$1.06 Rp 19.1K

99.06%

Water (1.5 liter bottle)

$1.28 NZ$2.19

$0.73 Rp 13.1K

75.34%

Cigarettes 20 Pack (Marlboro, Camel)

$20.63 NZ$35.22

$3.28 Rp 58.8K

528.96%

Wine (Bottle)

$8.78 NZ$14.99

$22.79 Rp 408.4K

-61.47%

Local Beer (0.5 liter bottle)

$2.50 NZ$4.27

$2.81 Rp 50.3K

-11.03%

Imported Beer (0.33 liter bottle)

$2.73 NZ$4.66

$2.78 Rp 49.9K

-1.80%

One-way Ticket (Public Transport)

$1.86 NZ$3.18

$0.29 Rp 5,217

541.38%

Public Transport Monthly Pass (Regular Price)

$48.84 NZ$83.4

$8.06 Rp 144.4K

505.96%

Taxi Start (Normal Tariff)

$2.67 NZ$4.55

$0.45 Rp 8,047

493.33%

Taxi (Normal Tariff) (1km)

$1.72 NZ$2.94

$0.45 Rp 8,094

282.22%

Taxi 1hour Waiting (Normal Tariff)

$35.41 NZ$60.5

$6.24 Rp 111.7K

467.47%

Gasoline (1 liter)

$1.70 NZ$2.91

$0.85 Rp 15.2K

100.00%

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

$26.7K NZ$45.5K

$26.0K Rp 465.4M

2.64%

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

$22.9K NZ$39.1K

$31.7K Rp 567.2M

-27.63%

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

$199 NZ$340

$80.8 Rp 1.4M

146.33%

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

$37.33 NZ$63.7

$4.06 Rp 72.7K

819.46%

Internet (50+ Mbps, Unlimited Data)

$47.74 NZ$81.5

$24.42 Rp 437.6K

95.50%

Gym Membership (Monthly)

$38.73 NZ$66.1

$97.7 Rp 1.7M

-60.35%

Tennis Court (1 Hour on Weekend)

$11.60 NZ$19.81

$6.45 Rp 115.5K

79.84%

Cinema Ticket

$9.28 NZ$15.85

$4.04 Rp 72.4K

129.70%

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

$742 NZ$1,266

$304 Rp 5.4M

143.91%

International Primary School, 1 Child (Yearly)

$11.9K NZ$20.4K

$6,621 Rp 118.6M

80.18%

Jeans (Levis 501 Or Similar)

$101 NZ$172

$54.2 Rp 971.7K

85.36%

Summer Dress (H&M, Zara, etc)

$57.8 NZ$98.7

$38.78 Rp 694.7K

49.12%

Sport Shoes (Adidas, Nike)

$103 NZ$175

$86.1 Rp 1.5M

19.27%

Men's Leather Business Shoes

$126 NZ$215

$76.7 Rp 1.4M

64.60%

1-bedroom Apartment, City Center (Monthly)

$1,262 NZ$2,155

$986 Rp 17.7M

28.07%

1-bedroom Apartment, Outside City Center (Monthly)

$754 NZ$1,287

$658 Rp 11.8M

14.57%

3-bedroom Apartment, City Center (Monthly)

$1,589 NZ$2,713

$3,369 Rp 60.4M

-52.84%

3-bedroom Apartment, Outside City Center (Monthly)

$1,626 NZ$2,776

$2,066 Rp 37.0M

-21.32%

Buy Apartment in City Center (m2)

$4,598 NZ$7,851

$2,741 Rp 49.1M

67.71%

Buy Apartment Outside City Center (m2)

$3,461 NZ$5,909

$2,228 Rp 39.9M

55.35%

Average Monthly Net Salary (After Tax)

$3,157 NZ$5,392

$163 Rp 2.9M

1832.07%

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 Napier: June 7, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,262 in Napier and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Napier pays 1832% 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: $100 in Napier vs $33.00 in Ubud, Bali. Groceries flip the comparison at $296 vs $297, with Napier 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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Getting Around. The 39% gap adds up to real monthly savings that compound significantly over time.

Napier pays 1832% more on average, 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: $1,262 in Napier versus $986 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 506% less than in Napier. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $742 in Napier versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,404 in Ubud, Bali versus $1,946 in Napier, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Napier. 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 Napier, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Napier 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 39% less than in Napier. Beyond cost, consider language, visa policies, and how big the international community is in each city.