Cost of Living Comparison Between Oamaru and Ubud, Bali Cost of Living Comparison Between Oamaru and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,789 in Oamaru versus $1,408 in Ubud, Bali.

Estimated couple costs with rent: $2,726 in Oamaru versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,663 in Oamaru versus $3,763 in Ubud, Bali.

Living in Oamaru is roughly 27% more expensive than in Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Oamaru 34% above, Ubud, Bali 5% above.

Meal at Budget Restaurant

$16.76 NZ$28.69

$3.45 Rp 62.0K

385.80%

Three-Course Dinner for Two, Mid-Range

$71.2 NZ$122

$32.34 Rp 580.1K

120.01%

Fast Food Meal (McDonalds, etc)

$9.80 NZ$16.78

$4.84 Rp 86.9K

102.48%

Cappuccino

$3.53 NZ$6.04

$2.75 Rp 49.3K

28.36%

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

$2.35 NZ$4.02

$1.38 Rp 24.8K

70.29%

Water (0.33 liter bottle)

$2.03 NZ$3.48

$0.75 Rp 13.5K

170.67%

Local Beer (0.5 liter draught)

$7.06 NZ$12.09

$2.99 Rp 53.7K

136.12%

Imported Beer (0.33 liter bottle)

$7.45 NZ$12.76

$3.85 Rp 69.1K

93.51%

Milk (1 liter)

$1.86 NZ$3.19

$1.74 Rp 31.1K

6.90%

White Bread (500g)

$1.10 NZ$1.89

$2.46 Rp 44.1K

-55.28%

Rice (white) (1kg)

$1.23 NZ$2.11

$1.17 Rp 21.0K

5.13%

Eggs

$3.77 NZ$6.46

$2.43 Rp 43.6K

55.14%

Local Cheese (1kg)

$8.35 NZ$14.30

$14.50 Rp 260.2K

-42.41%

Chicken Fillets (1kg)

$9.29 NZ$15.91

$4.35 Rp 78.0K

113.56%

Beef Round Steak (1kg)

$12.85 NZ$22.01

$11.98 Rp 214.9K

7.26%

Apples (1kg)

$2.45 NZ$4.19

$3.72 Rp 66.7K

-34.14%

Banana (1kg)

$1.85 NZ$3.16

$1.63 Rp 29.2K

13.50%

Oranges (1kg)

$2.97 NZ$5.08

$2.74 Rp 49.2K

8.39%

Tomato (1kg)

$5.74 NZ$9.82

$2.24 Rp 40.2K

156.25%

Potato (1kg)

$1.49 NZ$2.56

$1.92 Rp 34.4K

-22.40%

Onion (1kg)

$1.23 NZ$2.10

$2.28 Rp 40.8K

-46.05%

Lettuce (1 head)

$1.79 NZ$3.06

$1.06 Rp 19.1K

68.87%

Water (1.5 liter bottle)

$1.41 NZ$2.41

$0.72 Rp 12.9K

95.83%

Cigarettes 20 Pack (Marlboro, Camel)

$24.26 NZ$41.55

$3.29 Rp 58.9K

637.39%

Wine (Bottle)

$5.63 NZ$9.64

$23.19 Rp 416.1K

-75.72%

Local Beer (0.5 liter bottle)

$3.80 NZ$6.51

$2.78 Rp 49.8K

36.69%

Imported Beer (0.33 liter bottle)

$4.99 NZ$8.55

$2.73 Rp 49.0K

82.78%

One-way Ticket (Public Transport)

$2.05 NZ$3.50

$0.27 Rp 4,778

659.26%

Public Transport Monthly Pass (Regular Price)

$65.1 NZ$112

$8.11 Rp 145.4K

702.96%

Taxi Start (Normal Tariff)

$2.76 NZ$4.73

$0.48 Rp 8,659

475.00%

Taxi (Normal Tariff) (1km)

$1.67 NZ$2.86

$0.42 Rp 7,532

297.62%

Taxi 1hour Waiting (Normal Tariff)

$30.09 NZ$51.5

$6.22 Rp 111.6K

383.76%

Gasoline (1 liter)

$1.63 NZ$2.80

$0.81 Rp 14.6K

101.23%

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

$26.7K NZ$45.7K

$26.6K Rp 477.4M

0.29%

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

$20.1K NZ$34.4K

$32.2K Rp 577.4M

-37.53%

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

$118 NZ$202

$78.4 Rp 1.4M

50.56%

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

$18.44 NZ$31.58

$4.07 Rp 73.0K

353.07%

Internet (50+ Mbps, Unlimited Data)

$49.11 NZ$84.1

$24.33 Rp 436.4K

101.85%

Gym Membership (Monthly)

$36.33 NZ$62.2

$98.6 Rp 1.8M

-63.16%

Tennis Court (1 Hour on Weekend)

$12.04 NZ$20.61

$6.34 Rp 113.7K

89.91%

Cinema Ticket

$10.96 NZ$18.76

$3.99 Rp 71.5K

174.69%

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

$650 NZ$1,113

$305 Rp 5.5M

113.02%

International Primary School, 1 Child (Yearly)

$9,247 NZ$15.8K

$6,642 Rp 119.2M

39.22%

Jeans (Levis 501 Or Similar)

$59.1 NZ$101

$54.1 Rp 971.2K

9.20%

Summer Dress (H&M, Zara, etc)

$18.32 NZ$31.37

$37.81 Rp 678.2K

-51.55%

Sport Shoes (Adidas, Nike)

$48.06 NZ$82.3

$86.8 Rp 1.6M

-44.66%

Men's Leather Business Shoes

$54.2 NZ$92.8

$76.4 Rp 1.4M

-29.04%

1-bedroom Apartment, City Center (Monthly)

$965 NZ$1,653

$992 Rp 17.8M

-2.69%

1-bedroom Apartment, Outside City Center (Monthly)

$780 NZ$1,336

$673 Rp 12.1M

15.95%

3-bedroom Apartment, City Center (Monthly)

$1,564 NZ$2,678

$3,375 Rp 60.5M

-53.65%

3-bedroom Apartment, Outside City Center (Monthly)

$1,428 NZ$2,445

$2,050 Rp 36.8M

-30.35%

Buy Apartment in City Center (m2)

$4,879 NZ$8,353

$2,805 Rp 50.3M

73.95%

Buy Apartment Outside City Center (m2)

$3,757 NZ$6,433

$2,227 Rp 39.9M

68.70%

Average Monthly Net Salary (After Tax)

$2,042 NZ$3,496

$167 Rp 3.0M

1123.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

-54.82%

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

Last update for Oamaru: July 11, 2026

Last update for Ubud, Bali: July 11, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $965 in Oamaru and $992 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Oamaru pays 1123% 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: $71.0 in Oamaru vs $32.00 in Ubud, Bali. Groceries flip the comparison at $295 vs $297, with Oamaru 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

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

Ubud, Bali is cheaper overall, especially in Eating Out, Getting Around, Monthly Utilities & Internet. The 27% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 1123% higher in Oamaru, 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: $965 in Oamaru versus $992 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Oamaru pay roughly 1% 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 $32.00 versus $71.0 in Oamaru. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,408 in Ubud, Bali versus $1,789 in Oamaru, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Oamaru. 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 Oamaru, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Oamaru 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 27% less than in Oamaru. Beyond cost, consider language, visa policies, and how big the international community is in each city.