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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $1,899 in Hamilton.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $2,955 in Hamilton.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $4,012 in Hamilton.

Living in Ubud, Bali costs roughly 26% less than in Hamilton, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 4% above, Hamilton 41% above.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$13.69 NZ$23.38

-73.92%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$83.2 NZ$142

-60.94%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$8.62 NZ$14.72

-43.62%

Cappuccino

$2.75 Rp 49.2K

$3.59 NZ$6.14

-23.40%

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

$1.32 Rp 23.7K

$2.32 NZ$3.96

-43.10%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$2.79 NZ$4.76

-74.91%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$6.87 NZ$11.72

-57.64%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$6.30 NZ$10.75

-39.84%

Milk (1 liter)

$1.71 Rp 30.6K

$1.59 NZ$2.71

7.55%

White Bread (500g)

$2.47 Rp 44.3K

$1.33 NZ$2.27

85.71%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.93 NZ$3.30

-37.82%

Eggs

$2.44 Rp 43.8K

$5.81 NZ$9.91

-58.00%

Local Cheese (1kg)

$14.38 Rp 257.7K

$5.94 NZ$10.15

142.09%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$8.07 NZ$13.79

-46.59%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$11.05 NZ$18.87

10.50%

Apples (1kg)

$3.68 Rp 66.0K

$2.69 NZ$4.59

36.80%

Banana (1kg)

$1.55 Rp 27.8K

$2.97 NZ$5.07

-47.81%

Oranges (1kg)

$2.79 Rp 49.9K

$2.97 NZ$5.07

-6.06%

Tomato (1kg)

$2.33 Rp 41.8K

$6.70 NZ$11.44

-65.22%

Potato (1kg)

$1.97 Rp 35.3K

$2.23 NZ$3.81

-11.66%

Onion (1kg)

$2.31 Rp 41.4K

$1.91 NZ$3.26

20.94%

Lettuce (1 head)

$1.06 Rp 19.1K

$2.70 NZ$4.61

-60.74%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$1.03 NZ$1.76

-29.13%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$26.09 NZ$44.55

-87.43%

Wine (Bottle)

$22.79 Rp 408.4K

$10.99 NZ$18.77

107.37%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$3.54 NZ$6.04

-20.62%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$4.49 NZ$7.67

-38.08%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$1.70 NZ$2.91

-82.94%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$47.87 NZ$81.8

-83.16%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$4.24 NZ$7.24

-89.39%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$1.93 NZ$3.29

-76.68%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$42.67 NZ$72.9

-85.38%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.64 NZ$2.81

-48.17%

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

$26.0K Rp 465.4M

$23.6K NZ$40.3K

10.15%

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

$31.7K Rp 567.2M

$23.4K NZ$40.0K

35.16%

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

$80.8 Rp 1.4M

$92.5 NZ$158

-12.66%

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

$4.06 Rp 72.7K

$38.79 NZ$66.2

-89.53%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$53.0 NZ$90.5

-53.93%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$31.48 NZ$53.8

210.26%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$16.84 NZ$28.75

-61.70%

Cinema Ticket

$4.04 Rp 72.4K

$13.64 NZ$23.30

-70.38%

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

$304 Rp 5.4M

$861 NZ$1,470

-64.69%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$18.0K NZ$30.7K

-63.23%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$60.9 NZ$104

-10.91%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$40.31 NZ$68.8

-3.80%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$88.0 NZ$150

-2.08%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$118 NZ$201

-34.88%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$959 NZ$1,637

2.83%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$871 NZ$1,487

-24.43%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$1,221 NZ$2,085

175.93%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$1,630 NZ$2,784

26.71%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$3,989 NZ$6,812

-31.28%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$4,560 NZ$7,787

-51.15%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$2,664 NZ$4,549

-93.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.83

94.44%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Hamilton: June 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $959 in Hamilton. Housing cost is often the main lever when comparing two cities.

Hamilton pays 1530% 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: $33.00 in Ubud, Bali vs $83.0 in Hamilton for a mid-range dinner for two. Groceries echo the gap at $297 vs $311 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 Hamilton: 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 35% gap adds up to real monthly savings that compound significantly over time.

On paper, Hamilton earns 1530% less. 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: $986 in Ubud, Bali versus $959 in Hamilton. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Ubud, Bali – a meal for two runs $33.00 versus $83.0 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,404 per month in Ubud, Bali versus $1,899 in Hamilton – a 35% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,404 in Ubud, Bali versus $1,899 in Hamilton, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Hamilton. 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 Hamilton, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Hamilton 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 35% less than in Hamilton. Beyond cost, consider language, visa policies, and how big the international community is in each city.