Last update: Oct 2026

Cost of Living Comparison Between Napier and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,251 in Napier, rent and utilities included – about $10,800 less a year. Rent and utilities account for most of the difference.

108

Cost of Living Index in Napier
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Napier Living Index
65

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

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Napier

🇳🇿 New Zealand

$2,251

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,251 in Napier versus $1,349 in Ubud, Bali.

Napier $2,251
Ubud, Bali $1,349

Estimated couple costs with rent: $3,239 in Napier versus $2,305 in Ubud, Bali.

Napier $3,239
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,227 in Napier versus $3,261 in Ubud, Bali.

Napier $4,227
Ubud, Bali $3,261

Living in Napier is roughly 67% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$18.60 NZ$33.09

$3.32 Rp 60.3K

460.24%

Three-Course Dinner for Two, Mid-Range

$95.3 NZ$170

$35.64 Rp 646.7K

167.45%

Fast Food Meal (McDonalds, etc)

$9.50 NZ$16.90

$5.53 Rp 100.4K

71.79%

Cappuccino

$3.45 NZ$6.15

$2.72 Rp 49.3K

26.84%

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

$2.27 NZ$4.03

$1.70 Rp 30.9K

33.53%

Water (0.33 liter bottle)

$2.32 NZ$4.12

$0.76 Rp 13.8K

205.26%

Local Beer (0.5 liter draught)

$6.67 NZ$11.87

$2.65 Rp 48.2K

151.70%

Imported Beer (0.33 liter bottle)

$5.74 NZ$10.22

$4.38 Rp 79.5K

31.05%

Milk (1 liter)

$1.63 NZ$2.91

$1.49 Rp 27.1K

9.40%

White Bread (500g)

$1.51 NZ$2.68

$2.28 Rp 41.3K

-33.77%

Rice (white) (1kg)

$1.48 NZ$2.64

$1.19 Rp 21.6K

24.37%

Eggs

$5.65 NZ$10.04

$2.04 Rp 36.9K

176.96%

Local Cheese (1kg)

$7.52 NZ$13.37

$17.70 Rp 321.2K

-57.51%

Chicken Fillets (1kg)

$8.58 NZ$15.26

$3.96 Rp 71.9K

116.67%

Beef Round Steak (1kg)

$12.76 NZ$22.70

$12.19 Rp 221.2K

4.68%

Apples (1kg)

$2.29 NZ$4.08

$3.66 Rp 66.3K

-37.43%

Banana (1kg)

$1.67 NZ$2.98

$1.52 Rp 27.5K

9.87%

Oranges (1kg)

$3.13 NZ$5.56

$2.23 Rp 40.4K

40.36%

Tomato (1kg)

$2.88 NZ$5.13

$1.97 Rp 35.8K

46.19%

Potato (1kg)

$1.79 NZ$3.18

$1.85 Rp 33.5K

-3.24%

Onion (1kg)

$2.59 NZ$4.60

$2.42 Rp 44.0K

7.02%

Lettuce (1 head)

$1.86 NZ$3.31

$0.99 Rp 18.0K

87.88%

Water (1.5 liter bottle)

$1.18 NZ$2.10

$0.51 Rp 9,316

131.37%

Cigarettes 20 Pack (Marlboro, Camel)

$20.68 NZ$36.78

$2.22 Rp 40.3K

831.53%

Wine (Bottle)

$8.47 NZ$15.07

$22.24 Rp 403.6K

-61.92%

Local Beer (0.5 liter bottle)

$2.55 NZ$4.54

$2.26 Rp 41.0K

12.83%

Imported Beer (0.33 liter bottle)

$2.44 NZ$4.34

$2.97 Rp 53.9K

-17.85%

One-way Ticket (Public Transport)

$1.97 NZ$3.50

$0.25 Rp 4,555

688.00%

Public Transport Monthly Pass (Regular Price)

$104 NZ$185

$7.82 Rp 142.0K

1228.26%

Taxi Start (Normal Tariff)

$2.30 NZ$4.10

$0.44 Rp 7,975

422.73%

Taxi (Normal Tariff) (1km)

$1.84 NZ$3.28

$0.43 Rp 7,804

327.91%

Taxi 1hour Waiting (Normal Tariff)

$30.23 NZ$53.8

$5.41 Rp 98.2K

458.78%

Gasoline (1 liter)

$1.54 NZ$2.74

$0.82 Rp 15.0K

87.80%

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

$25.9K NZ$46.1K

$23.8K Rp 432.6M

8.59%

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

$23.9K NZ$42.4K

$31.7K Rp 576.1M

-24.86%

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

$185 NZ$329

$79.1 Rp 1.4M

134.10%

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

$35.28 NZ$62.8

$6.45 Rp 117.0K

446.98%

Internet (50+ Mbps, Unlimited Data)

$48.81 NZ$86.8

$18.58 Rp 337.1K

162.70%

Gym Membership (Monthly)

$34.62 NZ$61.6

$49.48 Rp 897.9K

-30.03%

Tennis Court (1 Hour on Weekend)

$10.85 NZ$19.30

$17.65 Rp 320.2K

-38.53%

Cinema Ticket

$8.68 NZ$15.44

$4.27 Rp 77.6K

103.28%

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

$690 NZ$1,228

$491 Rp 8.9M

40.74%

International Primary School, 1 Child (Yearly)

$16.8K NZ$29.9K

$5,674 Rp 103.0M

196.02%

Jeans (Levis 501 Or Similar)

$107 NZ$190

$44.64 Rp 810.0K

139.58%

Summer Dress (H&M, Zara, etc)

$35.09 NZ$62.4

$34.95 Rp 634.2K

0.40%

Sport Shoes (Adidas, Nike)

$104 NZ$186

$79.9 Rp 1.4M

30.56%

Men's Leather Business Shoes

$121 NZ$216

$79.4 Rp 1.4M

52.95%

1-bedroom Apartment, City Center (Monthly)

$1,193 NZ$2,123

$1,125 Rp 20.4M

6.10%

1-bedroom Apartment, Outside City Center (Monthly)

$1,080 NZ$1,921

$671 Rp 12.2M

60.81%

3-bedroom Apartment, City Center (Monthly)

$1,707 NZ$3,037

$3,565 Rp 64.7M

-52.10%

3-bedroom Apartment, Outside City Center (Monthly)

$1,491 NZ$2,653

$1,723 Rp 31.3M

-13.46%

Buy Apartment in City Center (m2)

$4,873 NZ$8,668

$2,732 Rp 49.6M

78.39%

Buy Apartment Outside City Center (m2)

$3,334 NZ$5,930

$2,284 Rp 41.4M

45.96%

Average Monthly Net Salary (After Tax)

$3,110 NZ$5,532

$164 Rp 3.0M

1798.08%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.54

13.78

-52.54%

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

Last update for Napier: October 24, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Napier

$1.1K 48%

Ubud, Bali

$672 49.8% 37.8% $408

Eating Out

Napier

$282 12.5%

Ubud, Bali

$108 8% 61.8% $174

Groceries & Markets

Napier

$279 12.4%

Ubud, Bali

$288 21.4% 3.5% $9.6

Monthly Utilities & Internet

Napier

$269 12%

Ubud, Bali

$104 7.7% 61.3% $165

Clothing & Footwear

Napier

$166 7.4%

Ubud, Bali

$108 8% 35.1% $58

Getting Around

Napier

$123 5.5%

Ubud, Bali

$11 0.9% 90.7% $112

Sport & Entertainment

Napier

$52 2.3%

Ubud, Bali

$58 4.3% 11.6% $6.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,193 in Napier and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Napier pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $95 in Napier vs $36 in Ubud, Bali. Groceries flip the comparison at $279 vs $288, with Napier cheaper for home cooking.

Good to know

🇳🇿 Napier

🇮🇩 Ubud, Bali

🕒 Local time

02:51 2:51 AM

21:51 9:51 PM

5 h behind Napier

🌤 Weather

👥 Population

65,000

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.562 USD

1 NZD = 0.504 EUR

100,000 IDR = 5.51 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 2, 2026: 1 USD = 1.78 NZD (1 NZD = 0.562 USD). 1 EUR = 1.99 NZD (1 NZD = 0.504 EUR).

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

Napier Ubud, Bali 6,990 km ≈ 9 h nonstop flight

From you

Napier
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

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

Ubud, Bali is about 40% cheaper overall, especially in eating out, transport, and utilities. That difference adds up to real monthly savings that compound significantly over time.

Average pay in Napier is about 19 times higher, 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: $1,193 in Napier versus $1,125 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 92% less than in Napier. The price difference matters if you commute daily and watch your budget.

Childcare runs $690 in Napier versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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

It comes down to priorities – Ubud, Bali wins on affordability, Napier on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.