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: $1,928 in Napier versus $1,392 in Ubud, Bali.

Estimated couple costs with rent: $3,186 in Napier versus $2,557 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,443 in Napier versus $3,723 in Ubud, Bali.

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

Both cities are pricier than the global median: Napier 45% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$19.53 NZ$33.11

$3.57 Rp 64.5K

447.06%

Three-Course Dinner for Two, Mid-Range

$101 NZ$171

$32.32 Rp 583.4K

212.81%

Fast Food Meal (McDonalds, etc)

$10.97 NZ$18.59

$5.01 Rp 90.4K

118.96%

Cappuccino

$3.64 NZ$6.17

$2.82 Rp 51.0K

29.08%

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

$2.40 NZ$4.06

$1.35 Rp 24.4K

77.78%

Water (0.33 liter bottle)

$2.16 NZ$3.67

$0.73 Rp 13.2K

195.89%

Local Beer (0.5 liter draught)

$7.13 NZ$12.09

$2.93 Rp 53.0K

143.34%

Imported Beer (0.33 liter bottle)

$6.15 NZ$10.42

$3.94 Rp 71.1K

56.09%

Milk (1 liter)

$1.74 NZ$2.95

$1.78 Rp 32.1K

-2.25%

White Bread (500g)

$1.63 NZ$2.77

$2.45 Rp 44.2K

-33.47%

Rice (white) (1kg)

$1.91 NZ$3.24

$1.15 Rp 20.7K

66.09%

Eggs

$6.08 NZ$10.31

$2.41 Rp 43.6K

152.28%

Local Cheese (1kg)

$8.10 NZ$13.73

$14.33 Rp 258.7K

-43.48%

Chicken Fillets (1kg)

$9.34 NZ$15.83

$4.19 Rp 75.6K

122.91%

Beef Round Steak (1kg)

$12.48 NZ$21.16

$12.06 Rp 217.7K

3.48%

Apples (1kg)

$2.49 NZ$4.22

$3.64 Rp 65.7K

-31.59%

Banana (1kg)

$1.88 NZ$3.18

$1.57 Rp 28.3K

19.75%

Oranges (1kg)

$2.53 NZ$4.30

$2.79 Rp 50.3K

-9.32%

Tomato (1kg)

$3.34 NZ$5.66

$2.24 Rp 40.5K

49.11%

Potato (1kg)

$2.07 NZ$3.51

$1.98 Rp 35.7K

4.55%

Onion (1kg)

$2.14 NZ$3.63

$2.28 Rp 41.1K

-6.14%

Lettuce (1 head)

$2.15 NZ$3.64

$1.05 Rp 19.0K

104.76%

Water (1.5 liter bottle)

$1.25 NZ$2.12

$0.79 Rp 14.2K

58.23%

Cigarettes 20 Pack (Marlboro, Camel)

$19.98 NZ$33.87

$3.19 Rp 57.6K

526.33%

Wine (Bottle)

$8.84 NZ$14.98

$23.49 Rp 424.1K

-62.37%

Local Beer (0.5 liter bottle)

$2.49 NZ$4.23

$2.90 Rp 52.3K

-14.14%

Imported Beer (0.33 liter bottle)

$2.69 NZ$4.57

$2.76 Rp 49.7K

-2.54%

One-way Ticket (Public Transport)

$1.83 NZ$3.10

$0.27 Rp 4,813

577.78%

Public Transport Monthly Pass (Regular Price)

$48.15 NZ$81.6

$8.37 Rp 151.1K

475.27%

Taxi Start (Normal Tariff)

$2.67 NZ$4.53

$0.45 Rp 8,167

493.33%

Taxi (Normal Tariff) (1km)

$1.70 NZ$2.89

$0.46 Rp 8,298

269.57%

Taxi 1hour Waiting (Normal Tariff)

$35.33 NZ$59.9

$6.07 Rp 109.6K

482.04%

Gasoline (1 liter)

$1.70 NZ$2.88

$0.86 Rp 15.6K

97.67%

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

$27.5K NZ$46.6K

$26.6K Rp 480.0M

3.36%

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

$23.4K NZ$39.7K

$32.5K Rp 587.6M

-27.99%

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

$196 NZ$332

$79.0 Rp 1.4M

147.61%

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

$37.03 NZ$62.8

$4.09 Rp 73.9K

805.38%

Internet (50+ Mbps, Unlimited Data)

$48.85 NZ$82.8

$23.85 Rp 430.5K

104.82%

Gym Membership (Monthly)

$38.56 NZ$65.4

$98.8 Rp 1.8M

-60.96%

Tennis Court (1 Hour on Weekend)

$11.55 NZ$19.57

$6.35 Rp 114.7K

81.89%

Cinema Ticket

$9.28 NZ$15.73

$4.01 Rp 72.3K

131.42%

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

$764 NZ$1,295

$297 Rp 5.4M

156.92%

International Primary School, 1 Child (Yearly)

$11.8K NZ$20.1K

$6,602 Rp 119.2M

79.39%

Jeans (Levis 501 Or Similar)

$97.5 NZ$165

$53.4 Rp 964.5K

82.54%

Summer Dress (H&M, Zara, etc)

$57.6 NZ$97.6

$38.11 Rp 688.1K

51.14%

Sport Shoes (Adidas, Nike)

$102 NZ$172

$88.7 Rp 1.6M

14.74%

Men's Leather Business Shoes

$129 NZ$219

$76.6 Rp 1.4M

68.30%

1-bedroom Apartment, City Center (Monthly)

$1,286 NZ$2,181

$1,020 Rp 18.4M

26.14%

1-bedroom Apartment, Outside City Center (Monthly)

$748 NZ$1,269

$680 Rp 12.3M

10.02%

3-bedroom Apartment, City Center (Monthly)

$1,600 NZ$2,713

$3,469 Rp 62.6M

-53.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,632 NZ$2,766

$2,090 Rp 37.7M

-21.92%

Buy Apartment in City Center (m2)

$4,906 NZ$8,317

$2,729 Rp 49.3M

79.79%

Buy Apartment Outside City Center (m2)

$3,425 NZ$5,806

$2,295 Rp 41.4M

49.22%

Average Monthly Net Salary (After Tax)

$3,135 NZ$5,314

$164 Rp 3.0M

1815.11%

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: July 27, 2026

Last update for Ubud, Bali: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,286 in Napier and $1,020 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Napier pays 1815% 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: $101 in Napier vs $32.00 in Ubud, Bali. Groceries flip the comparison at $294 vs $298, 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.

Average pay runs 1815% 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: $1,286 in Napier versus $1,020 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 475% less than in Napier. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $764 in Napier versus $297 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,392 in Ubud, Bali versus $1,928 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.