Last update: Oct 2026

Cost of Living Comparison Between Paihia and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,992 in Paihia, rent and utilities included – about $7,700 less a year. Other living expenses account for most of the difference.

102

Cost of Living Index in Paihia
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Paihia Living Index
65

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

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Paihia

🇳🇿 New Zealand

$1,992

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

A single person spends $1,992 per month in Paihia vs $1,349 in Ubud, Bali, rent included.

Paihia $1,992
Ubud, Bali $1,349

A couple spends around $3,026 per month in Paihia vs $2,305 in Ubud, Bali, rent included.

Paihia $3,026
Ubud, Bali $2,305

A family of three spends $4,061 per month in Paihia vs $3,261 in Ubud, Bali, rent included.

Paihia $4,061
Ubud, Bali $3,261

Paihia costs about 48% more than Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$14.21 NZ$25.24

$3.32 Rp 60.2K

328.01%

Three-Course Dinner for Two, Mid-Range

$33.59 NZ$59.6

$35.64 Rp 645.8K

-5.75%

Fast Food Meal (McDonalds, etc)

$8.73 NZ$15.50

$5.53 Rp 100.3K

57.87%

Cappuccino

$3.51 NZ$6.24

$2.72 Rp 49.3K

29.04%

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

$1.98 NZ$3.51

$1.70 Rp 30.8K

16.47%

Water (0.33 liter bottle)

$1.82 NZ$3.23

$0.76 Rp 13.8K

139.47%

Local Beer (0.5 liter draught)

$6.69 NZ$11.88

$2.65 Rp 48.1K

152.45%

Imported Beer (0.33 liter bottle)

$6.94 NZ$12.33

$4.38 Rp 79.4K

58.45%

Milk (1 liter)

$2.01 NZ$3.56

$1.49 Rp 27.0K

34.90%

White Bread (500g)

$2.27 NZ$4.03

$2.28 Rp 41.2K

-0.44%

Rice (white) (1kg)

$1.89 NZ$3.36

$1.19 Rp 21.6K

58.82%

Eggs

$6.39 NZ$11.35

$2.04 Rp 36.9K

213.24%

Local Cheese (1kg)

$8.79 NZ$15.60

$17.70 Rp 320.8K

-50.34%

Chicken Fillets (1kg)

$10.20 NZ$18.11

$3.96 Rp 71.8K

157.58%

Beef Round Steak (1kg)

$17.11 NZ$30.37

$12.19 Rp 220.9K

40.36%

Apples (1kg)

$2.92 NZ$5.19

$3.66 Rp 66.2K

-20.22%

Banana (1kg)

$2.07 NZ$3.67

$1.52 Rp 27.5K

36.18%

Oranges (1kg)

$3.03 NZ$5.37

$2.23 Rp 40.4K

35.87%

Tomato (1kg)

$5.76 NZ$10.23

$1.97 Rp 35.7K

192.39%

Potato (1kg)

$2.11 NZ$3.75

$1.85 Rp 33.5K

14.05%

Onion (1kg)

$1.54 NZ$2.73

$2.42 Rp 43.9K

-36.36%

Lettuce (1 head)

$2.07 NZ$3.68

$0.99 Rp 17.9K

109.09%

Water (1.5 liter bottle)

$1.09 NZ$1.94

$0.51 Rp 9,303

113.73%

Cigarettes 20 Pack (Marlboro, Camel)

$28.05 NZ$49.80

$2.22 Rp 40.3K

1163.51%

Wine (Bottle)

$10.27 NZ$18.23

$22.24 Rp 403.0K

-53.82%

Local Beer (0.5 liter bottle)

$2.79 NZ$4.95

$2.26 Rp 41.0K

23.45%

Imported Beer (0.33 liter bottle)

$3.35 NZ$5.94

$2.97 Rp 53.8K

12.79%

One-way Ticket (Public Transport)

$2.11 NZ$3.75

$0.25 Rp 4,548

744.00%

Public Transport Monthly Pass (Regular Price)

$106 NZ$188

$7.82 Rp 141.8K

1252.94%

Taxi Start (Normal Tariff)

$1.71 NZ$3.04

$0.44 Rp 7,964

288.64%

Taxi (Normal Tariff) (1km)

$2.00 NZ$3.55

$0.43 Rp 7,793

365.12%

Taxi 1hour Waiting (Normal Tariff)

$32.17 NZ$57.1

$5.41 Rp 98.0K

494.64%

Gasoline (1 liter)

$1.90 NZ$3.38

$0.82 Rp 14.9K

131.71%

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

$27.4K NZ$48.7K

$23.8K Rp 432.0M

15.03%

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

$21.8K NZ$38.8K

$31.7K Rp 575.3M

-31.24%

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

$186 NZ$330

$79.1 Rp 1.4M

134.85%

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

$27.00 NZ$47.94

$6.45 Rp 116.8K

318.60%

Internet (50+ Mbps, Unlimited Data)

$51.8 NZ$91.9

$18.58 Rp 336.7K

178.58%

Gym Membership (Monthly)

$42.96 NZ$76.3

$49.48 Rp 896.7K

-13.18%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$12.32 NZ$21.87

$4.27 Rp 77.4K

188.52%

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

$1,087 NZ$1,930

$491 Rp 8.9M

121.58%

International Primary School, 1 Child (Yearly)

$19.8K NZ$35.1K

$5,674 Rp 102.8M

248.54%

Jeans (Levis 501 Or Similar)

$79.5 NZ$141

$44.64 Rp 808.9K

78.18%

Summer Dress (H&M, Zara, etc)

$41.10 NZ$73.0

$34.95 Rp 633.4K

17.60%

Sport Shoes (Adidas, Nike)

$94.2 NZ$167

$79.9 Rp 1.4M

17.88%

Men's Leather Business Shoes

$110 NZ$196

$79.4 Rp 1.4M

38.98%

1-bedroom Apartment, City Center (Monthly)

$1,015 NZ$1,801

$1,125 Rp 20.4M

-9.80%

1-bedroom Apartment, Outside City Center (Monthly)

$798 NZ$1,418

$671 Rp 12.2M

18.91%

3-bedroom Apartment, City Center (Monthly)

$1,691 NZ$3,001

$3,565 Rp 64.6M

-52.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,591 NZ$2,824

$1,723 Rp 31.2M

-7.71%

Buy Apartment in City Center (m2)

$4,841 NZ$8,594

$2,732 Rp 49.5M

77.20%

Buy Apartment Outside City Center (m2)

$3,767 NZ$6,689

$2,284 Rp 41.4M

64.94%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.37

13.78

-61.03%

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

Last update for Paihia: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Paihia

$798 40.1%

Ubud, Bali

$672 49.8% 15.9% $127

Groceries & Markets

Paihia

$345 17.3%

Ubud, Bali

$288 21.4% 16.3% $56

Monthly Utilities & Internet

Paihia

$264 13.3%

Ubud, Bali

$104 7.7% 60.6% $160

Eating Out

Paihia

$245 12.3%

Ubud, Bali

$108 8% 56% $137

Clothing & Footwear

Paihia

$146 7.4%

Ubud, Bali

$108 8% 26.5% $39

Getting Around

Paihia

$126 6.3%

Ubud, Bali

$11 0.9% 90.9% $115

Sport & Entertainment

Paihia

$68 3.4%

Ubud, Bali

$58 4.3% 14.2% $9.6

Cost Breakdown

A central one-bedroom costs $1,015 in Paihia versus $1,125 in Ubud, Bali. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $34 in Paihia versus $36 in Ubud, Bali. Groceries tell a different story – $345 in Paihia vs $288 in Ubud, Bali – so Ubud, Bali wins on supermarket bills even if dining out costs more.

Good to know

🇳🇿 Paihia

🇮🇩 Ubud, Bali

🕒 Local time

08:20 8:20 AM

03:20 3:20 AM

5 h behind Paihia

🌤 Weather

👥 Population

1,800

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

Paihia Ubud, Bali 6,650 km ≈ 9 h nonstop flight

From you

Paihia
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

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

Monthly costs with rent: $1,992 in Paihia, $1,349 in Ubud, Bali – Ubud, Bali comes out roughly 32% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,988 per month in Paihia and $2,023 in Ubud, Bali. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Paihia, especially for central apartments: a one-bedroom in the center costs $1,015 there versus $1,125 in Ubud, Bali.

Groceries cost about 19% more in Paihia, though the gap depends on what you buy.

A mid-range dinner for two costs $34 in Paihia and $36 in Ubud, Bali. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,992 in Paihia and $1,349 in Ubud, Bali. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,992 in Paihia. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.