Last update: Oct 2026

Cost of Living Comparison Between Rarotonga and Victoria

For one person, living is cheaper in Rarotonga: $1,099 a month against $2,574 in Victoria, rent and utilities included – about $17,700 less a year. Rent and utilities account for most of the difference.

68

Cost of Living Index in Rarotonga
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Rarotonga Living Index
123

Cost of Living Index in Victoria
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Victoria Living Index

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Rarotonga

🇨🇰 Cook Islands

$1,099

/mo nomad

Victoria

🇨🇦 Canada

$2,574

/mo nomad

Monthly Cost of Living

How much you'll spend in Rarotonga and in Victoria

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Rarotonga and in Victoria actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,099 in Rarotonga versus $2,574 in Victoria.

Rarotonga $1,099
Victoria $2,574

Estimated couple costs with rent: $1,561 in Rarotonga versus $3,856 in Victoria.

Rarotonga $1,561
Victoria $3,856

Monthly costs for a family of three with rent: $2,023 in Rarotonga versus $5,138 in Victoria.

Rarotonga $2,023
Victoria $5,138

Living in Rarotonga costs roughly 57% less than in Victoria, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Rarotonga is 18% below, Victoria is 92% above.

Meal at Budget Restaurant

$14.15 NZ$25.21

$18.98 CA$27.06

-25.45%

Three-Course Dinner for Two, Mid-Range

$50.4 NZ$89.9

$70.0 CA$99.7

-27.91%

Fast Food Meal (McDonalds, etc)

$5.69 NZ$10.14

$10.84 CA$15.46

-47.51%

Cappuccino

$3.48 NZ$6.19

$4.21 CA$6.00

-17.34%

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

$2.24 NZ$4.00

$2.21 CA$3.15

1.36%

Water (0.33 liter bottle)

$2.31 NZ$4.11

$1.80 CA$2.57

28.33%

Local Beer (0.5 liter draught)

$5.02 NZ$8.95

$5.69 CA$8.11

-11.78%

Imported Beer (0.33 liter bottle)

$4.96 NZ$8.84

$6.47 CA$9.23

-23.34%

Milk (1 liter)

$2.87 NZ$5.11

$2.65 CA$3.78

8.30%

White Bread (500g)

$2.77 NZ$4.94

$2.89 CA$4.12

-4.15%

Rice (white) (1kg)

$3.96 CA$5.65

Eggs

$6.19 NZ$11.02

$4.04 CA$5.76

53.22%

Local Cheese (1kg)

$7.48 NZ$13.32

$26.77 CA$38.16

-72.06%

Chicken Fillets (1kg)

$12.55 CA$17.89

Beef Round Steak (1kg)

$14.51 CA$20.68

Apples (1kg)

$3.99 CA$5.69

Banana (1kg)

$1.43 CA$2.04

Oranges (1kg)

$3.82 CA$5.45

Tomato (1kg)

$4.13 CA$5.89

Potato (1kg)

$3.54 CA$5.04

Onion (1kg)

$2.93 CA$4.18

Lettuce (1 head)

$3.18 CA$4.53

Water (1.5 liter bottle)

$2.55 CA$3.63

Cigarettes 20 Pack (Marlboro, Camel)

$11.18 NZ$19.92

$15.02 CA$21.41

-25.57%

Wine (Bottle)

$11.23 NZ$20.01

$17.86 CA$25.46

-37.12%

Local Beer (0.5 liter bottle)

$3.48 NZ$6.21

$4.00 CA$5.70

-13.00%

Imported Beer (0.33 liter bottle)

$5.08 NZ$9.06

$3.43 CA$4.89

48.10%

One-way Ticket (Public Transport)

$2.80 NZ$4.99

$2.04 CA$2.90

37.25%

Public Transport Monthly Pass (Regular Price)

$58.5 CA$83.4

Taxi Start (Normal Tariff)

$20.06 NZ$35.75

$2.67 CA$3.81

651.31%

Taxi (Normal Tariff) (1km)

$1.52 CA$2.17

Taxi 1hour Waiting (Normal Tariff)

$34.02 NZ$60.6

$33.48 CA$47.72

1.61%

Gasoline (1 liter)

$1.74 NZ$3.10

$1.35 CA$1.93

28.89%

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

$11.2K NZ$20.0K

$27.7K CA$39.5K

-59.48%

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

$18.5K CA$26.3K

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

$100 NZ$179

$105 CA$150

-4.83%

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

$47.47 NZ$84.6

$44.49 CA$63.4

6.70%

Internet (50+ Mbps, Unlimited Data)

$104 NZ$185

$61.5 CA$87.6

68.55%

Gym Membership (Monthly)

$42.45 CA$60.5

Tennis Court (1 Hour on Weekend)

$17.27 CA$24.62

Cinema Ticket

$10.68 CA$15.22

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

$878 CA$1,251

International Primary School, 1 Child (Yearly)

$1,360 NZ$2,424

$23.2K CA$33.1K

-94.14%

Jeans (Levis 501 Or Similar)

$53.2 CA$75.8

Summer Dress (H&M, Zara, etc)

$44.19 CA$63.0

Sport Shoes (Adidas, Nike)

$89.8 CA$128

Men's Leather Business Shoes

$109 CA$155

1-bedroom Apartment, City Center (Monthly)

$445 NZ$793

$1,522 CA$2,170

-70.76%

1-bedroom Apartment, Outside City Center (Monthly)

$452 NZ$806

$1,326 CA$1,890

-65.89%

3-bedroom Apartment, City Center (Monthly)

$684 NZ$1,219

$2,683 CA$3,825

-74.50%

3-bedroom Apartment, Outside City Center (Monthly)

$624 NZ$1,111

$2,261 CA$3,222

-72.41%

Buy Apartment in City Center (m2)

$5,368 CA$7,651

Buy Apartment Outside City Center (m2)

$4,469 CA$6,370

Average Monthly Net Salary (After Tax)

$3,906 NZ$6,961

$3,202 CA$4,564

22.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.31

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

Last update for Rarotonga: October 5, 2026

Last update for Victoria: October 5, 2026

Monthly budget structure

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

Accommodation & Living

Rarotonga

$452 40.6%

Victoria

$1.3K 51.7% 193% $874

Monthly Utilities & Internet

Rarotonga

$251 22.6%

Victoria

$211 8.2% 15.9% $40

Eating Out

Rarotonga

$225 20.2%

Victoria

$292 11.4% 29.8% $67

Groceries & Markets

Rarotonga

$154 * 13.8%

Victoria

$461 18% 200% $307

Getting Around

Rarotonga

$31 * 2.8%

Victoria

$77 3% 146% $46

Sport & Entertainment

Rarotonga

- * 0%

Victoria

$64 2.5%

Clothing & Footwear

Rarotonga

- * 0%

Victoria

$133 5.2%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $445 in Rarotonga and $1,522 in Victoria. Housing cost is often the main lever when comparing two cities.

Rarotonga pays 22% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $50.0 in Rarotonga vs $70.0 in Victoria for a mid-range dinner for two. Groceries echo the gap at $154 vs $461 per month, with Rarotonga cheaper across the board.

Good to know

🇨🇰 Rarotonga

🇨🇦 Victoria

🕒 Local time

05:04 5:04 AM

08:04 8:04 AM

3 h ahead of Rarotonga

🌤 Weather

👥 Population

13,373

85,792

💱 Currency

New Zealand Dollar NZD $

Canadian Dollar CAD $

📈 Exchange rate

1 NZD = 0.561 USD

1 NZD = 0.501 EUR

1 CAD = 0.702 USD

1 CAD = 0.626 EUR

Exchange rates and currency converter

CAD, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 10, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 2 NZD (1 NZD = 0.501 EUR).

Canadian Dollar exchange rates as of October 10, 2026: 1 USD = 1.43 CAD (1 CAD = 0.702 USD). 1 EUR = 1.6 CAD (1 CAD = 0.626 EUR).

USD to NZD in detail →

On the map

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Between locations

Rarotonga Victoria 8,550 km ≈ 11 h nonstop flight

From you

Rarotonga
Victoria

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

Rarotonga vs Victoria: Cost of Living - Frequently Asked Questions

Rarotonga wins on cost – living expenses run 134% lower than in Victoria. Housing and daily spending are where you'll feel the difference most, making Rarotonga the obvious pick if budget is a priority.

Average pay runs 22% higher in Rarotonga, 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: $445 in Rarotonga versus $1,522 in Victoria. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,099 per month in Rarotonga versus $2,574 in Victoria – a 134% gap that adds up to real savings over time for anyone picking the cheaper option.

Supermarket bills run roughly 200% higher in Victoria. For households that cook at home regularly, that difference adds up over a month.

At $1,099 in Rarotonga versus $2,574 in Victoria, a $1,000 budget is realistic in Rarotonga but tight or insufficient in Victoria. The gap between the two cities makes Rarotonga 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, Rarotonga and Victoria 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 Rarotonga gentler on the wallet – expenses run 134% less than in Victoria. Beyond cost, consider language, visa policies, and how big the international community is in each city.