Last update: Oct 2026

Cost of Living Comparison Between New Zealand and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,348 a month against $2,026 in New Zealand, rent and utilities included – about $8,100 less a year. Other living expenses account for most of the difference.

99

Cost of Living Index in New Zealand
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New Zealand Living Index
66

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

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🇳🇿 New Zealand

$2,026

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,348

/mo nomad

😐 Solo nomad: New Zealand is 80% more expensive than Ubud, Bali without rent, and 50.3% more expensive with rent.

😐 Family of 3: New Zealand is 66.2% more expensive than Ubud, Bali without rent, and 21.5% more expensive with rent.

Meal at Budget Restaurant

$14.03 NZ$25.00

$3.33 Rp 59.6K

321.32%

Three-Course Dinner for Two, Mid-Range

$67.1 NZ$120

$35.42 Rp 633.1K

89.36%

Fast Food Meal (McDonalds, etc)

$9.11 NZ$16.23

$5.76 Rp 102.9K

58.16%

Cappuccino

$3.26 NZ$5.82

$2.63 Rp 47.0K

23.95%

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

$2.18 NZ$3.88

$1.74 Rp 31.0K

25.29%

Water (0.33 liter bottle)

$1.87 NZ$3.34

$0.77 Rp 13.8K

142.86%

Local Beer (0.5 liter draught)

$6.69 NZ$11.93

$2.71 Rp 48.4K

146.86%

Imported Beer (0.33 liter bottle)

$6.77 NZ$12.06

$4.52 Rp 80.8K

49.78%

Milk (1 liter)

$1.73 NZ$3.09

$1.53 Rp 27.4K

13.07%

White Bread (500g)

$1.86 NZ$3.31

$2.20 Rp 39.2K

-15.45%

Rice (white) (1kg)

$1.78 NZ$3.16

$1.22 Rp 21.8K

45.90%

Eggs

$5.96 NZ$10.63

$2.14 Rp 38.2K

178.50%

Local Cheese (1kg)

$8.07 NZ$14.38

$17.73 Rp 316.9K

-54.48%

Chicken Fillets (1kg)

$9.39 NZ$16.74

$3.86 Rp 68.9K

143.26%

Beef Round Steak (1kg)

$13.96 NZ$24.88

$12.03 Rp 215.0K

16.04%

Apples (1kg)

$2.73 NZ$4.87

$3.61 Rp 64.5K

-24.38%

Banana (1kg)

$2.09 NZ$3.73

$1.51 Rp 27.1K

38.41%

Oranges (1kg)

$2.94 NZ$5.24

$2.32 Rp 41.4K

26.72%

Tomato (1kg)

$4.98 NZ$8.87

$2.00 Rp 35.8K

149.00%

Potato (1kg)

$2.02 NZ$3.60

$1.81 Rp 32.4K

11.60%

Onion (1kg)

$1.48 NZ$2.64

$2.39 Rp 42.7K

-38.08%

Lettuce (1 head)

$2.05 NZ$3.64

$0.99 Rp 17.8K

107.07%

Water (1.5 liter bottle)

$1.05 NZ$1.88

$0.52 Rp 9,373

101.92%

Cigarettes 20 Pack (Marlboro, Camel)

$23.61 NZ$42.06

$2.18 Rp 39.0K

983.03%

Wine (Bottle)

$8.93 NZ$15.92

$22.98 Rp 410.7K

-61.14%

Local Beer (0.5 liter bottle)

$3.01 NZ$5.37

$2.40 Rp 42.8K

25.42%

Imported Beer (0.33 liter bottle)

$3.15 NZ$5.62

$3.00 Rp 53.6K

5.00%

One-way Ticket (Public Transport)

$1.85 NZ$3.30

$0.24 Rp 4,255

670.83%

Public Transport Monthly Pass (Regular Price)

$100 NZ$179

$6.99 Rp 125.0K

1337.05%

Taxi Start (Normal Tariff)

$2.26 NZ$4.02

$0.44 Rp 7,876

413.64%

Taxi (Normal Tariff) (1km)

$1.90 NZ$3.38

$0.42 Rp 7,582

352.38%

Taxi 1hour Waiting (Normal Tariff)

$32.21 NZ$57.4

$5.45 Rp 97.4K

491.01%

Gasoline (1 liter)

$1.68 NZ$3.00

$0.84 Rp 15.1K

100.00%

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

$24.9K NZ$44.3K

$24.3K Rp 434.8M

2.28%

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

$23.7K NZ$42.2K

$31.9K Rp 570.0M

-25.74%

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

$155 NZ$277

$80.8 Rp 1.4M

92.30%

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

$31.36 NZ$55.9

$6.58 Rp 117.6K

376.60%

Internet (50+ Mbps, Unlimited Data)

$47.95 NZ$85.5

$18.24 Rp 326.1K

162.88%

Gym Membership (Monthly)

$34.82 NZ$62.1

$55.1 Rp 985.4K

-36.84%

Tennis Court (1 Hour on Weekend)

$14.77 NZ$26.33

$18.51 Rp 330.9K

-20.21%

Cinema Ticket

$11.38 NZ$20.27

$4.24 Rp 75.9K

168.40%

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

$879 NZ$1,566

$486 Rp 8.7M

80.91%

International Primary School, 1 Child (Yearly)

$16.4K NZ$29.3K

$5,676 Rp 101.5M

189.56%

Jeans (Levis 501 Or Similar)

$68.7 NZ$122

$45.18 Rp 807.6K

51.97%

Summer Dress (H&M, Zara, etc)

$35.27 NZ$62.8

$34.57 Rp 617.9K

2.02%

Sport Shoes (Adidas, Nike)

$91.6 NZ$163

$79.2 Rp 1.4M

15.72%

Men's Leather Business Shoes

$117 NZ$208

$77.6 Rp 1.4M

50.46%

1-bedroom Apartment, City Center (Monthly)

$1,076 NZ$1,918

$1,127 Rp 20.1M

-4.48%

1-bedroom Apartment, Outside City Center (Monthly)

$921 NZ$1,641

$674 Rp 12.1M

36.65%

3-bedroom Apartment, City Center (Monthly)

$1,724 NZ$3,072

$3,618 Rp 64.7M

-52.35%

3-bedroom Apartment, Outside City Center (Monthly)

$1,477 NZ$2,631

$1,735 Rp 31.0M

-14.87%

Buy Apartment in City Center (m2)

$5,621 NZ$10.0K

$2,829 Rp 50.6M

98.70%

Buy Apartment Outside City Center (m2)

$3,602 NZ$6,418

$2,307 Rp 41.2M

56.16%

Average Monthly Net Salary (After Tax)

$2,752 NZ$4,903

$166 Rp 3.0M

1560.76%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.27

13.78

-54.50%

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

Last update for New Zealand: October 5, 2026

Last update for Ubud, Bali: October 5, 2026

Monthly budget structure

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

Accommodation & Living

New Zealand

$921 45.4%

Ubud, Bali

$674 49.6% 26.8% $247

Groceries & Markets

New Zealand

$312 15.4%

Ubud, Bali

$290 21.4% 7% $22

Eating Out

New Zealand

$242 11.9%

Ubud, Bali

$108 8% 55.3% $134

Monthly Utilities & Internet

New Zealand

$235 11.6%

Ubud, Bali

$106 7.8% 55% $129

Clothing & Footwear

New Zealand

$141 6.9%

Ubud, Bali

$106 7.8% 24.3% $34

Getting Around

New Zealand

$120 5.9%

Ubud, Bali

$11 0.8% 91.2% $109

Sport & Entertainment

New Zealand

$58 2.8%

Ubud, Bali

$64 4.7% 10.5% $6

Good to know

🇳🇿 New Zealand

🇮🇩 Ubud, Bali

🕒 Local time

19:02 7:02 PM

14:02 2:02 PM

5 h behind New Zealand

🌤 Weather

👥 Population

5,118,700

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.561 USD

1 NZD = 0.5 EUR

100,000 IDR = 5.59 USD

100,000 IDR = 4.99 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 October 10, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 2 NZD (1 NZD = 0.5 EUR).

Indonesian Rupiah exchange rates as of October 10, 2026: 1 USD = 17,875 IDR (100,000 IDR = 5.59 USD). 1 EUR = 20,048 IDR (100,000 IDR = 4.99 EUR).

USD to NZD in detail →

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