Cost of Living Comparison Between Palmerston North and Wellington Cost of Living Comparison Between Palmerston North and Wellington

Monthly Cost of Living

Monthly costs for one person with rent: $1,662 in Palmerston North versus $2,277 in Wellington.

Estimated couple costs with rent: $2,665 in Palmerston North versus $3,544 in Wellington.

Monthly costs for a family of three with rent: $3,668 in Palmerston North versus $4,812 in Wellington.

Living in Palmerston North costs roughly 27% less than in Wellington, driven mainly by Getting Around.

Both cities are pricier than the global median: Palmerston North 24% above, Wellington 70% above.

Meal at Budget Restaurant

$16.84 NZ$28.83

$17.28 NZ$29.58

-2.55%

Three-Course Dinner for Two, Mid-Range

$72.5 NZ$124

$85.1 NZ$146

-14.76%

Fast Food Meal (McDonalds, etc)

$12.04 NZ$20.62

$9.91 NZ$16.97

21.49%

Cappuccino

$3.41 NZ$5.83

$3.75 NZ$6.42

-9.07%

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

$2.30 NZ$3.93

$2.61 NZ$4.46

-11.88%

Water (0.33 liter bottle)

$2.08 NZ$3.56

$2.18 NZ$3.74

-4.59%

Local Beer (0.5 liter draught)

$7.36 NZ$12.59

$7.17 NZ$12.28

2.65%

Imported Beer (0.33 liter bottle)

$6.20 NZ$10.62

$7.37 NZ$12.62

-15.88%

Milk (1 liter)

$1.92 NZ$3.29

$1.80 NZ$3.09

6.67%

White Bread (500g)

$2.07 NZ$3.54

$2.02 NZ$3.46

2.48%

Rice (white) (1kg)

$1.81 NZ$3.09

$1.91 NZ$3.27

-5.24%

Eggs

$5.28 NZ$9.03

$6.98 NZ$11.96

-24.36%

Local Cheese (1kg)

$8.19 NZ$14.03

$7.95 NZ$13.61

3.02%

Chicken Fillets (1kg)

$9.27 NZ$15.87

$11.26 NZ$19.28

-17.67%

Beef Round Steak (1kg)

$12.59 NZ$21.55

$12.87 NZ$22.03

-2.18%

Apples (1kg)

$2.50 NZ$4.27

$3.05 NZ$5.22

-18.03%

Banana (1kg)

$1.83 NZ$3.13

$2.36 NZ$4.03

-22.46%

Oranges (1kg)

$2.43 NZ$4.16

$3.10 NZ$5.31

-21.61%

Tomato (1kg)

$3.48 NZ$5.96

$4.81 NZ$8.23

-27.65%

Potato (1kg)

$2.13 NZ$3.65

$2.06 NZ$3.53

3.40%

Onion (1kg)

$2.16 NZ$3.69

$1.57 NZ$2.68

37.58%

Lettuce (1 head)

$2.04 NZ$3.49

$2.25 NZ$3.86

-9.33%

Water (1.5 liter bottle)

$0.99 NZ$1.70

$1.31 NZ$2.24

-24.43%

Cigarettes 20 Pack (Marlboro, Camel)

$20.47 NZ$35.04

$26.06 NZ$44.63

-21.45%

Wine (Bottle)

$8.79 NZ$15.05

$10.75 NZ$18.40

-18.23%

Local Beer (0.5 liter bottle)

$2.45 NZ$4.20

$3.65 NZ$6.25

-32.88%

Imported Beer (0.33 liter bottle)

$5.21 NZ$8.93

$3.28 NZ$5.62

58.84%

One-way Ticket (Public Transport)

$4.59 NZ$7.86

$2.69 NZ$4.61

70.63%

Public Transport Monthly Pass (Regular Price)

$30.29 NZ$51.9

$106 NZ$181

-71.38%

Taxi Start (Normal Tariff)

$2.38 NZ$4.07

$2.76 NZ$4.73

-13.77%

Taxi (Normal Tariff) (1km)

$1.80 NZ$3.08

$1.84 NZ$3.15

-2.17%

Taxi 1hour Waiting (Normal Tariff)

$17.45 NZ$29.88

$60.8 NZ$104

-71.30%

Gasoline (1 liter)

$1.64 NZ$2.81

$1.65 NZ$2.82

-0.61%

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

$18.4K NZ$31.5K

$33.3K NZ$57.1K

-44.84%

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

$21.8K NZ$37.3K

$25.5K NZ$43.7K

-14.68%

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

$89.6 NZ$153

$160 NZ$274

-43.95%

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

$36.80 NZ$63.0

$33.45 NZ$57.3

10.01%

Internet (50+ Mbps, Unlimited Data)

$47.79 NZ$81.8

$51.5 NZ$88.2

-7.19%

Gym Membership (Monthly)

$35.51 NZ$60.8

$35.81 NZ$61.3

-0.84%

Tennis Court (1 Hour on Weekend)

$13.17 NZ$22.56

$20.66 NZ$35.38

-36.25%

Cinema Ticket

$9.14 NZ$15.65

$11.85 NZ$20.28

-22.87%

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

$993 NZ$1,700

$792 NZ$1,357

25.32%

International Primary School, 1 Child (Yearly)

$6,069 NZ$10.4K

$13.0K NZ$22.2K

-53.16%

Jeans (Levis 501 Or Similar)

$56.9 NZ$97.5

$73.0 NZ$125

-21.97%

Summer Dress (H&M, Zara, etc)

$37.10 NZ$63.5

$53.8 NZ$92.0

-30.98%

Sport Shoes (Adidas, Nike)

$92.4 NZ$158

$119 NZ$203

-22.11%

Men's Leather Business Shoes

$90.6 NZ$155

$142 NZ$243

-36.27%

1-bedroom Apartment, City Center (Monthly)

$844 NZ$1,445

$1,303 NZ$2,230

-35.21%

1-bedroom Apartment, Outside City Center (Monthly)

$688 NZ$1,177

$1,094 NZ$1,874

-37.16%

3-bedroom Apartment, City Center (Monthly)

$1,570 NZ$2,688

$2,101 NZ$3,597

-25.26%

3-bedroom Apartment, Outside City Center (Monthly)

$1,391 NZ$2,382

$1,902 NZ$3,257

-26.88%

Buy Apartment in City Center (m2)

$2,125 NZ$3,638

$6,864 NZ$11.8K

-69.05%

Buy Apartment Outside City Center (m2)

$1,887 NZ$3,231

$3,720 NZ$6,369

-49.28%

Average Monthly Net Salary (After Tax)

$2,576 NZ$4,411

$2,800 NZ$4,794

-8.00%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

6.94

-3.60%

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

Last update for Palmerston North: July 12, 2026

Last update for Wellington: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $844 in Palmerston North and $1,303 in Wellington. Housing cost is often the main lever when comparing two cities.

Wellington pays 9% 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 Palmerston North vs $85.0 in Wellington for a mid-range dinner for two. Groceries echo the gap at $298 vs $339 per month, with Palmerston North cheaper across the board.

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

Palmerston North vs Wellington: Cost of Living - Frequently Asked Questions

Palmerston North and Wellington differ by about 37% in total monthly costs ($1,662 vs $2,277 including rent). Palmerston North is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 9% lower in Wellington. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $844 in Palmerston North versus $1,303 in Wellington. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $993 in Palmerston North versus $792 in Wellington. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 13% higher in Wellington. For households that cook at home regularly, that difference adds up over a month.

At $1,662 in Palmerston North versus $2,277 in Wellington, a $3,000 budget is realistic in Palmerston North but tight or insufficient in Wellington. The gap between the two cities makes Palmerston North 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, Palmerston North and Wellington 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 Palmerston North gentler on the wallet – expenses run 37% less than in Wellington. Beyond cost, consider language, visa policies, and how big the international community is in each city.