Last update: Oct 2026

Cost of Living Comparison Between North Shore and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $2,119 in North Shore, rent and utilities included – about $9,000 less a year. Rent and utilities account for most of the difference.

102

Cost of Living Index in North Shore
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North Shore Living Index
67

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

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North Shore

🇳🇿 New Zealand

$2,119

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $2,119 in North Shore versus $1,368 in Ubud, Bali.

North Shore $2,119
Ubud, Bali $1,368

Estimated couple costs with rent: $2,933 in North Shore versus $2,314 in Ubud, Bali.

North Shore $2,933
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,746 in North Shore versus $3,260 in Ubud, Bali.

North Shore $3,746
Ubud, Bali $3,260

Living in North Shore is roughly 55% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: North Shore 57% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$14.08 NZ$24.90

$3.33 Rp 59.9K

322.82%

Three-Course Dinner for Two, Mid-Range

$73.5 NZ$130

$35.18 Rp 633.2K

108.90%

Fast Food Meal (McDonalds, etc)

$8.46 NZ$14.96

$5.80 Rp 104.5K

45.86%

Cappuccino

$3.27 NZ$5.78

$2.73 Rp 49.1K

19.78%

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

$1.93 NZ$3.42

$1.64 Rp 29.5K

17.68%

Water (0.33 liter bottle)

$1.78 NZ$3.15

$0.83 Rp 15.0K

114.46%

Local Beer (0.5 liter draught)

$6.53 NZ$11.55

$2.70 Rp 48.6K

141.85%

Imported Beer (0.33 liter bottle)

$5.61 NZ$9.92

$4.30 Rp 77.4K

30.47%

Milk (1 liter)

$1.61 NZ$2.85

$1.50 Rp 27.1K

7.33%

White Bread (500g)

$1.30 NZ$2.29

$2.30 Rp 41.4K

-43.48%

Rice (white) (1kg)

$1.89 NZ$3.33

$1.18 Rp 21.2K

60.17%

Eggs

$5.68 NZ$10.05

$2.14 Rp 38.6K

165.42%

Local Cheese (1kg)

$7.74 NZ$13.69

$17.48 Rp 314.6K

-55.72%

Chicken Fillets (1kg)

$10.02 NZ$17.72

$4.03 Rp 72.5K

148.64%

Beef Round Steak (1kg)

$11.56 NZ$20.45

$12.23 Rp 220.1K

-5.48%

Apples (1kg)

$2.62 NZ$4.63

$3.55 Rp 63.9K

-26.20%

Banana (1kg)

$2.05 NZ$3.63

$1.57 Rp 28.3K

30.57%

Oranges (1kg)

$3.14 NZ$5.56

$2.24 Rp 40.2K

40.18%

Tomato (1kg)

$5.84 NZ$10.33

$1.93 Rp 34.7K

202.59%

Potato (1kg)

$2.08 NZ$3.67

$1.88 Rp 33.9K

10.64%

Onion (1kg)

$1.51 NZ$2.67

$2.29 Rp 41.3K

-34.06%

Lettuce (1 head)

$2.39 NZ$4.22

$0.99 Rp 17.9K

141.41%

Water (1.5 liter bottle)

$0.95 NZ$1.68

$0.53 Rp 9,475

79.25%

Cigarettes 20 Pack (Marlboro, Camel)

$25.48 NZ$45.06

$2.28 Rp 41.1K

1017.54%

Wine (Bottle)

$10.33 NZ$18.26

$23.01 Rp 414.2K

-55.11%

Local Beer (0.5 liter bottle)

$2.74 NZ$4.84

$2.34 Rp 42.2K

17.09%

Imported Beer (0.33 liter bottle)

$3.34 NZ$5.90

$2.91 Rp 52.4K

14.78%

One-way Ticket (Public Transport)

$2.21 NZ$3.90

$0.24 Rp 4,315

820.83%

Public Transport Monthly Pass (Regular Price)

$59.5 NZ$105

$8.82 Rp 158.7K

574.94%

Taxi Start (Normal Tariff)

$2.22 NZ$3.93

$0.48 Rp 8,684

362.50%

Taxi (Normal Tariff) (1km)

$1.92 NZ$3.39

$0.46 Rp 8,233

317.39%

Taxi 1hour Waiting (Normal Tariff)

$32.25 NZ$57.0

$5.45 Rp 98.2K

491.74%

Gasoline (1 liter)

$1.71 NZ$3.02

$0.88 Rp 15.9K

94.32%

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

$25.4K NZ$44.9K

$24.6K Rp 442.2M

3.30%

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

$22.4K NZ$39.5K

$31.2K Rp 561.4M

-28.32%

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

$181 NZ$321

$83.0 Rp 1.5M

118.43%

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

$26.42 NZ$46.73

$6.45 Rp 116.0K

309.61%

Internet (50+ Mbps, Unlimited Data)

$50.6 NZ$89.5

$18.57 Rp 334.2K

172.64%

Gym Membership (Monthly)

$27.16 NZ$48.03

$55.8 Rp 1.0M

-51.34%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$13.05 NZ$23.07

$4.38 Rp 78.9K

197.95%

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

$672 NZ$1,188

$493 Rp 8.9M

36.30%

International Primary School, 1 Child (Yearly)

$14.4K NZ$25.5K

$5,754 Rp 103.6M

150.94%

Jeans (Levis 501 Or Similar)

$68.9 NZ$122

$46.19 Rp 831.4K

49.14%

Summer Dress (H&M, Zara, etc)

$37.87 NZ$67.0

$35.33 Rp 636.0K

7.19%

Sport Shoes (Adidas, Nike)

$93.1 NZ$165

$79.1 Rp 1.4M

17.68%

Men's Leather Business Shoes

$103 NZ$182

$78.4 Rp 1.4M

31.55%

1-bedroom Apartment, City Center (Monthly)

$1,302 NZ$2,303

$1,142 Rp 20.6M

13.98%

1-bedroom Apartment, Outside City Center (Monthly)

$1,050 NZ$1,856

$676 Rp 12.2M

55.34%

3-bedroom Apartment, City Center (Monthly)

$2,278 NZ$4,029

$3,503 Rp 63.1M

-34.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,339 NZ$2,369

$1,700 Rp 30.6M

-21.20%

Buy Apartment in City Center (m2)

$7,194 NZ$12.7K

$2,784 Rp 50.1M

158.40%

Buy Apartment Outside City Center (m2)

$6,028 NZ$10.7K

$2,241 Rp 40.3M

169.02%

Average Monthly Net Salary (After Tax)

$2,774 NZ$4,905

$165 Rp 3.0M

1585.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

13.78

-51.89%

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

Last update for North Shore: October 10, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

North Shore

$1K 49.5%

Ubud, Bali

$676 49.4% 35.6% $374

Groceries & Markets

North Shore

$306 14.4%

Ubud, Bali

$290 21.2% 5% $15

Monthly Utilities & Internet

North Shore

$258 12.2%

Ubud, Bali

$108 7.9% 58.2% $150

Eating Out

North Shore

$236 11.1%

Ubud, Bali

$109 8% 53.9% $127

Clothing & Footwear

North Shore

$136 6.4%

Ubud, Bali

$108 7.9% 21.1% $29

Getting Around

North Shore

$80 3.8%

Ubud, Bali

$13 0.9% 84.3% $68

Sport & Entertainment

North Shore

$53 2.5%

Ubud, Bali

$65 4.7% 21.3% $11

Cost Breakdown

A one-bedroom apartment in the center runs $1,302 in North Shore and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

North Shore pays 1586% 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: $73.0 in North Shore vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $306 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 North Shore

🇮🇩 Ubud, Bali

🕒 Local time

09:14 9:14 AM

04:14 4:14 AM

5 h behind North Shore

🌤 Weather

👥 Population

258,697

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 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 October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Indonesian Rupiah exchange rates as of October 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,238 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Highest

Between locations

North Shore Ubud, Bali 6,740 km ≈ 9 h nonstop flight

From you

North Shore
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

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

North Shore and Ubud, Bali differ by about 55% in total monthly costs ($2,119 vs $1,368 including rent). Ubud, Bali is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1586% higher in North Shore, 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: $1,302 in North Shore versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $35.00 versus $73.0 in North Shore. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,119 per month in North Shore versus $1,368 in Ubud, Bali – a 55% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,368 in Ubud, Bali versus $2,119 in North Shore, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in North Shore. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

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, North Shore 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 55% less than in North Shore. Beyond cost, consider language, visa policies, and how big the international community is in each city.