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

Monthly Cost of Living

Monthly costs for one person with rent: $1,392 in Ubud, Bali versus $1,964 in Gisborne.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $2,869 in Gisborne.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $3,775 in Gisborne.

Living in Ubud, Bali costs roughly 29% less than in Gisborne, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Gisborne 48% above.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$15.20 NZ$25.77

-76.51%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$77.9 NZ$132

-58.49%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$9.72 NZ$16.47

-48.46%

Cappuccino

$2.82 Rp 51.0K

$3.54 NZ$6.00

-20.34%

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

$1.35 Rp 24.4K

$2.38 NZ$4.03

-43.28%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$2.09 NZ$3.54

-65.07%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$7.07 NZ$11.98

-58.56%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$6.44 NZ$10.92

-38.82%

Milk (1 liter)

$1.78 Rp 32.1K

$1.80 NZ$3.05

-1.11%

White Bread (500g)

$2.45 Rp 44.2K

$1.98 NZ$3.35

23.74%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.90 NZ$3.22

-39.47%

Eggs

$2.41 Rp 43.6K

$5.99 NZ$10.16

-59.77%

Local Cheese (1kg)

$14.33 Rp 258.7K

$8.00 NZ$13.57

79.13%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$9.55 NZ$16.19

-56.13%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$12.77 NZ$21.65

-5.56%

Apples (1kg)

$3.64 Rp 65.7K

$2.71 NZ$4.60

34.32%

Banana (1kg)

$1.57 Rp 28.3K

$2.19 NZ$3.71

-28.31%

Oranges (1kg)

$2.79 Rp 50.3K

$2.97 NZ$5.03

-6.06%

Tomato (1kg)

$2.24 Rp 40.5K

$4.58 NZ$7.76

-51.09%

Potato (1kg)

$1.98 Rp 35.7K

$2.06 NZ$3.49

-3.88%

Onion (1kg)

$2.28 Rp 41.1K

$1.94 NZ$3.29

17.53%

Lettuce (1 head)

$1.05 Rp 19.0K

$2.25 NZ$3.81

-53.33%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.11 NZ$1.88

-28.83%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$24.49 NZ$41.52

-86.97%

Wine (Bottle)

$23.49 Rp 424.1K

$10.11 NZ$17.13

132.34%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$2.49 NZ$4.22

16.47%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$3.55 NZ$6.01

-22.25%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$2.15 NZ$3.64

-87.44%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$65.0 NZ$110

-87.13%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$2.63 NZ$4.46

-82.89%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$1.79 NZ$3.04

-74.30%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$35.15 NZ$59.6

-82.73%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.67 NZ$2.83

-48.50%

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

$26.6K Rp 480.0M

$28.4K NZ$48.1K

-6.23%

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

$32.5K Rp 587.6M

$22.2K NZ$37.6K

46.78%

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

$79.0 Rp 1.4M

$141 NZ$239

-44.02%

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

$4.09 Rp 73.9K

$36.32 NZ$61.6

-88.74%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$52.3 NZ$88.7

-54.42%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$36.23 NZ$61.4

172.65%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$12.27 NZ$20.80

-48.25%

Cinema Ticket

$4.01 Rp 72.3K

$11.06 NZ$18.75

-63.74%

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

$297 Rp 5.4M

$741 NZ$1,257

-59.91%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$11.9K NZ$20.1K

-44.33%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$67.8 NZ$115

-21.14%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$37.52 NZ$63.6

1.57%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$95.9 NZ$163

-7.54%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$118 NZ$200

-34.96%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$958 NZ$1,623

6.49%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$868 NZ$1,472

-21.66%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$1,429 NZ$2,423

142.70%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$1,314 NZ$2,228

59.02%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$5,266 NZ$8,927

-48.18%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$3,089 NZ$5,237

-25.70%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$4,320 NZ$7,324

-96.21%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.74

97.03%

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

Last update for Ubud, Bali: July 28, 2026

Last update for Gisborne: July 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $958 in Gisborne. Housing cost is often the main lever when comparing two cities.

Gisborne pays 2539% 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: $32.00 in Ubud, Bali vs $78.0 in Gisborne for a mid-range dinner for two. Groceries echo the gap at $298 vs $313 per month, with Ubud, Bali 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

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

Ubud, Bali is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 41% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 2539% lower in Gisborne. 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: $1,020 in Ubud, Bali versus $958 in Gisborne. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,392 per month in Ubud, Bali versus $1,964 in Gisborne – a 41% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Ubud, Bali runs roughly 677% less than in Gisborne. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,392 in Ubud, Bali versus $1,964 in Gisborne, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Gisborne. 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 Gisborne, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Gisborne 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 41% less than in Gisborne. Beyond cost, consider language, visa policies, and how big the international community is in each city.