Last update: Oct 2026

Cost of Living Comparison Between Oamaru and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,809 in Oamaru, rent and utilities included – about $5,500 less a year. Other living expenses account for most of the difference.

93

Cost of Living Index in Oamaru
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Oamaru Living Index
65

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

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Oamaru

🇳🇿 New Zealand

$1,809

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,809 in Oamaru versus $1,349 in Ubud, Bali.

Oamaru $1,809
Ubud, Bali $1,349

Estimated couple costs with rent: $2,753 in Oamaru versus $2,305 in Ubud, Bali.

Oamaru $2,753
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,698 in Oamaru versus $3,261 in Ubud, Bali.

Oamaru $3,698
Ubud, Bali $3,261

Living in Oamaru is roughly 34% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$14.46 NZ$25.67

$3.32 Rp 60.2K

335.54%

Three-Course Dinner for Two, Mid-Range

$68.4 NZ$121

$35.64 Rp 645.8K

91.78%

Fast Food Meal (McDonalds, etc)

$9.20 NZ$16.33

$5.53 Rp 100.3K

66.37%

Cappuccino

$3.35 NZ$5.94

$2.72 Rp 49.3K

23.16%

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

$2.30 NZ$4.09

$1.70 Rp 30.8K

35.29%

Water (0.33 liter bottle)

$1.78 NZ$3.15

$0.76 Rp 13.8K

134.21%

Local Beer (0.5 liter draught)

$6.64 NZ$11.79

$2.65 Rp 48.1K

150.57%

Imported Beer (0.33 liter bottle)

$6.97 NZ$12.37

$4.38 Rp 79.4K

59.13%

Milk (1 liter)

$1.73 NZ$3.08

$1.49 Rp 27.0K

16.11%

White Bread (500g)

$1.32 NZ$2.34

$2.28 Rp 41.2K

-42.11%

Rice (white) (1kg)

$1.47 NZ$2.60

$1.19 Rp 21.6K

23.53%

Eggs

$5.53 NZ$9.82

$2.04 Rp 36.9K

171.08%

Local Cheese (1kg)

$7.53 NZ$13.36

$17.70 Rp 320.8K

-57.46%

Chicken Fillets (1kg)

$8.85 NZ$15.72

$3.96 Rp 71.8K

123.48%

Beef Round Steak (1kg)

$13.64 NZ$24.21

$12.19 Rp 220.9K

11.89%

Apples (1kg)

$2.39 NZ$4.25

$3.66 Rp 66.2K

-34.70%

Banana (1kg)

$2.10 NZ$3.73

$1.52 Rp 27.5K

38.16%

Oranges (1kg)

$2.65 NZ$4.70

$2.23 Rp 40.4K

18.83%

Tomato (1kg)

$2.91 NZ$5.17

$1.97 Rp 35.7K

47.72%

Potato (1kg)

$1.50 NZ$2.67

$1.85 Rp 33.5K

-18.92%

Onion (1kg)

$1.39 NZ$2.47

$2.42 Rp 43.9K

-42.56%

Lettuce (1 head)

$2.07 NZ$3.68

$0.99 Rp 17.9K

109.09%

Water (1.5 liter bottle)

$0.65 NZ$1.16

$0.51 Rp 9,303

27.45%

Cigarettes 20 Pack (Marlboro, Camel)

$24.01 NZ$42.63

$2.22 Rp 40.3K

981.53%

Wine (Bottle)

$5.66 NZ$10.05

$22.24 Rp 403.0K

-74.55%

Local Beer (0.5 liter bottle)

$3.42 NZ$6.08

$2.26 Rp 41.0K

51.33%

Imported Beer (0.33 liter bottle)

$4.44 NZ$7.89

$2.97 Rp 53.8K

49.49%

One-way Ticket (Public Transport)

$2.05 NZ$3.63

$0.25 Rp 4,548

720.00%

Public Transport Monthly Pass (Regular Price)

$108 NZ$191

$7.82 Rp 141.8K

1274.68%

Taxi Start (Normal Tariff)

$2.58 NZ$4.58

$0.44 Rp 7,964

486.36%

Taxi (Normal Tariff) (1km)

$1.72 NZ$3.06

$0.43 Rp 7,793

300.00%

Taxi 1hour Waiting (Normal Tariff)

$28.67 NZ$50.9

$5.41 Rp 98.0K

429.94%

Gasoline (1 liter)

$1.62 NZ$2.88

$0.82 Rp 14.9K

97.56%

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

$28.8K NZ$51.2K

$23.8K Rp 432.0M

20.94%

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

$23.7K NZ$42.1K

$31.7K Rp 575.3M

-25.23%

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

$157 NZ$279

$79.1 Rp 1.4M

98.68%

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

$20.20 NZ$35.86

$6.45 Rp 116.8K

213.18%

Internet (50+ Mbps, Unlimited Data)

$44.97 NZ$79.8

$18.58 Rp 336.7K

142.03%

Gym Membership (Monthly)

$39.17 NZ$69.6

$49.48 Rp 896.7K

-20.84%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$10.03 NZ$17.81

$4.27 Rp 77.4K

134.89%

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

$677 NZ$1,202

$491 Rp 8.9M

38.03%

International Primary School, 1 Child (Yearly)

$22.4K NZ$39.7K

$5,674 Rp 102.8M

294.52%

Jeans (Levis 501 Or Similar)

$57.6 NZ$102

$44.64 Rp 808.9K

29.10%

Summer Dress (H&M, Zara, etc)

$17.36 NZ$30.83

$34.95 Rp 633.4K

-50.33%

Sport Shoes (Adidas, Nike)

$45.93 NZ$81.6

$79.9 Rp 1.4M

-42.52%

Men's Leather Business Shoes

$51.0 NZ$90.6

$79.4 Rp 1.4M

-35.78%

1-bedroom Apartment, City Center (Monthly)

$1,042 NZ$1,850

$1,125 Rp 20.4M

-7.37%

1-bedroom Apartment, Outside City Center (Monthly)

$799 NZ$1,419

$671 Rp 12.2M

19.05%

3-bedroom Apartment, City Center (Monthly)

$1,588 NZ$2,820

$3,565 Rp 64.6M

-55.44%

3-bedroom Apartment, Outside City Center (Monthly)

$1,426 NZ$2,531

$1,723 Rp 31.2M

-17.26%

Buy Apartment in City Center (m2)

$4,866 NZ$8,638

$2,732 Rp 49.5M

78.12%

Buy Apartment Outside City Center (m2)

$3,783 NZ$6,716

$2,284 Rp 41.4M

65.61%

Average Monthly Net Salary (After Tax)

$1,950 NZ$3,462

$164 Rp 3.0M

1090.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.91

13.78

-57.11%

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

Last update for Oamaru: October 26, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Oamaru

$799 44.2%

Ubud, Bali

$672 49.8% 16% $128

Groceries & Markets

Oamaru

$277 15.3%

Ubud, Bali

$288 21.4% 4.2% $12

Eating Out

Oamaru

$247 13.7%

Ubud, Bali

$108 8% 56.4% $139

Monthly Utilities & Internet

Oamaru

$222 12.3%

Ubud, Bali

$104 7.7% 53.2% $118

Getting Around

Oamaru

$127 7%

Ubud, Bali

$11 0.9% 91% $115

Clothing & Footwear

Oamaru

$77 4.3%

Ubud, Bali

$108 8% 39% $30

Sport & Entertainment

Oamaru

$59 3.3%

Ubud, Bali

$58 4.3% 2% $1.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,042 in Oamaru and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oamaru pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $68 in Oamaru vs $36 in Ubud, Bali. Groceries flip the comparison at $277 vs $288, with Oamaru cheaper for home cooking.

Good to know

🇳🇿 Oamaru

🇮🇩 Ubud, Bali

🕒 Local time

09:19 9:19 AM

04:19 4:19 AM

5 h behind Oamaru

🌤 Weather

👥 Population

13,850

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

100,000 IDR = 5.52 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 1, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

Indonesian Rupiah exchange rates as of November 1, 2026: 1 USD = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Oamaru Ubud, Bali 6,690 km ≈ 9 h nonstop flight

From you

Oamaru
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

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

Ubud, Bali is about 25% 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 Oamaru is about 12 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: $1,042 in Oamaru versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Oamaru pay roughly 4% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $68 in Oamaru. If you eat out regularly, this makes a real dent in your monthly spending.

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, Oamaru 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, Oamaru on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.