Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Gisborne

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,029 in Gisborne, rent and utilities included – about $8,200 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
102

Cost of Living Index in Gisborne
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Gisborne Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Gisborne

🇳🇿 New Zealand

$2,029

/mo nomad

Monthly Cost of Living

How much you'll spend in Ubud, Bali and in Gisborne

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,029 in Gisborne.

Ubud, Bali $1,349
Gisborne $2,029

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,006 in Gisborne.

Ubud, Bali $2,305
Gisborne $3,006

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,982 in Gisborne.

Ubud, Bali $3,261
Gisborne $3,982

Living in Ubud, Bali costs roughly 34% less than in Gisborne, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$28.96 NZ$51.5

-88.54%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.5K

$54.7 NZ$97.2

-34.78%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$9.04 NZ$16.08

-38.83%

Cappuccino

$2.72 Rp 49.3K

$3.54 NZ$6.29

-23.16%

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

$1.70 Rp 30.9K

$2.09 NZ$3.72

-18.66%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.03 NZ$3.62

-62.56%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$6.35 NZ$11.29

-58.27%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$5.81 NZ$10.33

-24.61%

Milk (1 liter)

$1.49 Rp 27.0K

$1.84 NZ$3.27

-19.02%

White Bread (500g)

$2.28 Rp 41.3K

$2.02 NZ$3.59

12.87%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.76 NZ$3.13

-32.39%

Eggs

$2.04 Rp 36.9K

$5.83 NZ$10.36

-65.01%

Local Cheese (1kg)

$17.70 Rp 321.1K

$8.50 NZ$15.10

108.24%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$9.22 NZ$16.40

-57.05%

Beef Round Steak (1kg)

$12.19 Rp 221.1K

$14.35 NZ$25.50

-15.05%

Apples (1kg)

$3.66 Rp 66.3K

$2.62 NZ$4.66

39.69%

Banana (1kg)

$1.52 Rp 27.5K

$2.27 NZ$4.04

-33.04%

Oranges (1kg)

$2.23 Rp 40.4K

$3.07 NZ$5.46

-27.36%

Tomato (1kg)

$1.97 Rp 35.8K

$5.67 NZ$10.08

-65.26%

Potato (1kg)

$1.85 Rp 33.5K

$2.01 NZ$3.56

-7.96%

Onion (1kg)

$2.42 Rp 44.0K

$1.44 NZ$2.57

68.06%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.23 NZ$3.96

-55.61%

Water (1.5 liter bottle)

$0.51 Rp 9,313

$1.10 NZ$1.96

-53.64%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$21.32 NZ$37.90

-89.59%

Wine (Bottle)

$22.24 Rp 403.4K

$9.32 NZ$16.56

138.63%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.44 NZ$6.11

-34.30%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$3.35 NZ$5.95

-11.34%

One-way Ticket (Public Transport)

$0.25 Rp 4,553

$1.73 NZ$3.07

-85.55%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.9K

$99.1 NZ$176

-92.10%

Taxi Start (Normal Tariff)

$0.44 Rp 7,972

$2.50 NZ$4.44

-82.40%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,801

$1.78 NZ$3.17

-75.84%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.1K

$33.82 NZ$60.1

-84.00%

Gasoline (1 liter)

$0.82 Rp 15.0K

$2.22 NZ$3.95

-63.06%

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

$23.8K Rp 432.4M

$27.6K NZ$49.1K

-13.66%

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

$31.7K Rp 575.9M

$24.8K NZ$44.1K

27.91%

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

$79.1 Rp 1.4M

$115 NZ$205

-31.35%

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

$6.45 Rp 116.9K

$32.28 NZ$57.4

-80.02%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.0K

$49.02 NZ$87.1

-62.10%

Gym Membership (Monthly)

$49.48 Rp 897.5K

$39.98 NZ$71.1

23.76%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$4.27 Rp 77.5K

$11.04 NZ$19.62

-61.32%

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

$491 Rp 8.9M

$718 NZ$1,276

-31.67%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.9M

$17.9K NZ$31.9K

-68.36%

Jeans (Levis 501 Or Similar)

$44.64 Rp 809.7K

$53.8 NZ$95.6

-17.01%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.0K

$36.84 NZ$65.5

-5.13%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$88.2 NZ$157

-9.40%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$127 NZ$226

-37.48%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,013 NZ$1,801

11.01%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$830 NZ$1,475

-19.09%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,463 NZ$2,600

143.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,309 NZ$2,326

31.70%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$4,946 NZ$8,792

-44.77%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,203 NZ$5,694

-28.69%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.83

136.36%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Gisborne: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Gisborne

$830 40.9% 23.6% $158

Groceries & Markets

Ubud, Bali

$288 21.4%

Gisborne

$325 16% 12.5% $36

Eating Out

Ubud, Bali

$108 8%

Gisborne

$361 17.8% 235% $254

Clothing & Footwear

Ubud, Bali

$108 8%

Gisborne

$138 6.8% 28% $30

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Gisborne

$196 9.7% 88.8% $92

Sport & Entertainment

Ubud, Bali

$58 4.3%

Gisborne

$62 3.1% 6.9% $4

Getting Around

Ubud, Bali

$11 0.9%

Gisborne

$117 5.8% 928% $106

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,013 in Gisborne. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $55 in Gisborne for a mid-range dinner for two. Groceries echo the gap at $288 vs $325 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Gisborne

🕒 Local time

10:37 10:37 AM

15:37 3:37 PM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

37,300

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

Exchange rates and currency converter

NZD, USD, EUR to IDR – Indonesian Rupiah Converter

🇺🇸 United States Dollar ($)

🇮🇩 Indonesian Rupiah (Rp)

Indonesian Rupiah exchange rates as of November 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

New Zealand Dollar exchange rates as of November 2, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

USD to IDR in detail →

On the map

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Highest

Between locations

Ubud, Bali Gisborne 7,060 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Gisborne

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

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

Ubud, Bali is about 34% cheaper overall, especially in eating out, transport, and utilities. That difference adds up to real monthly savings that compound significantly over time.

You’d need roughly $2,023 in Ubud, Bali and $3,044 in Gisborne to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $1,125 in Ubud, Bali versus $1,013 in Gisborne. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $2,029 in Gisborne – Ubud, Bali is about 34% cheaper, which adds up to real savings over time.

A monthly transit pass in Ubud, Bali runs roughly 92% less than in Gisborne. The price difference matters if you commute daily and watch your budget.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Ubud, Bali and Gisborne are both considered safe, so it’s unlikely to be the deciding factor between them.