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: $1,438 in Ubud, Bali versus $1,869 in Hamilton.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,967 in Hamilton.

Monthly costs for a family of three with rent: $3,732 in Ubud, Bali versus $4,066 in Hamilton.

Living in Ubud, Bali costs roughly 23% less than in Hamilton, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 7% above, Hamilton 40% above.

Meal at Budget Restaurant

$3.57 Rp 61.6K

$13.89 NZ$23.61

-74.30%

Three-Course Dinner for Two, Mid-Range

$32.58 Rp 562.6K

$85.0 NZ$145

-61.68%

Fast Food Meal (McDonalds, etc)

$5.07 Rp 87.5K

$8.86 NZ$15.07

-42.78%

Cappuccino

$2.83 Rp 48.8K

$3.69 NZ$6.27

-23.31%

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

$1.34 Rp 23.1K

$2.41 NZ$4.10

-44.40%

Water (0.33 liter bottle)

$0.69 Rp 12.0K

$2.88 NZ$4.90

-76.04%

Local Beer (0.5 liter draught)

$2.99 Rp 51.6K

$6.73 NZ$11.43

-55.57%

Imported Beer (0.33 liter bottle)

$3.85 Rp 66.4K

$5.99 NZ$10.19

-35.73%

Milk (1 liter)

$1.74 Rp 30.1K

$1.60 NZ$2.71

8.75%

White Bread (500g)

$2.54 Rp 43.8K

$1.30 NZ$2.22

95.38%

Rice (white) (1kg)

$1.19 Rp 20.6K

$1.94 NZ$3.29

-38.66%

Eggs

$2.43 Rp 41.9K

$6.04 NZ$10.27

-59.77%

Local Cheese (1kg)

$14.66 Rp 253.2K

$5.65 NZ$9.61

159.47%

Chicken Fillets (1kg)

$4.18 Rp 72.1K

$8.19 NZ$13.92

-48.96%

Beef Round Steak (1kg)

$11.94 Rp 206.1K

$11.21 NZ$19.05

6.51%

Apples (1kg)

$3.69 Rp 63.6K

$2.68 NZ$4.56

37.69%

Banana (1kg)

$1.61 Rp 27.7K

$2.96 NZ$5.03

-45.61%

Oranges (1kg)

$2.69 Rp 46.4K

$3.05 NZ$5.18

-11.80%

Tomato (1kg)

$2.33 Rp 40.2K

$6.49 NZ$11.03

-64.10%

Potato (1kg)

$1.91 Rp 32.9K

$2.26 NZ$3.84

-15.49%

Onion (1kg)

$2.19 Rp 37.7K

$1.91 NZ$3.24

14.66%

Lettuce (1 head)

$1.06 Rp 18.3K

$2.72 NZ$4.62

-61.03%

Water (1.5 liter bottle)

$0.72 Rp 12.5K

$1.03 NZ$1.76

-30.10%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 54.1K

$25.68 NZ$43.66

-87.81%

Wine (Bottle)

$23.49 Rp 405.6K

$11.20 NZ$19.04

109.73%

Local Beer (0.5 liter bottle)

$2.74 Rp 47.3K

$3.46 NZ$5.87

-20.81%

Imported Beer (0.33 liter bottle)

$2.88 Rp 49.7K

$4.42 NZ$7.51

-34.84%

One-way Ticket (Public Transport)

$0.29 Rp 5,010

$1.63 NZ$2.77

-82.21%

Public Transport Monthly Pass (Regular Price)

$8.17 Rp 141.0K

$47.48 NZ$80.7

-82.79%

Taxi Start (Normal Tariff)

$0.45 Rp 7,834

$4.25 NZ$7.23

-89.41%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,278

$1.98 NZ$3.37

-78.79%

Taxi 1hour Waiting (Normal Tariff)

$6.16 Rp 106.3K

$42.54 NZ$72.3

-85.52%

Gasoline (1 liter)

$0.84 Rp 14.5K

$1.72 NZ$2.92

-51.16%

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

$26.2K Rp 453.1M

$23.4K NZ$39.8K

12.21%

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

$32.5K Rp 560.8M

$22.6K NZ$38.4K

43.80%

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

$78.4 Rp 1.4M

$93.9 NZ$160

-16.50%

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

$3.95 Rp 68.2K

$39.03 NZ$66.4

-89.88%

Internet (50+ Mbps, Unlimited Data)

$24.40 Rp 421.4K

$54.2 NZ$92.1

-54.98%

Gym Membership (Monthly)

$96.5 Rp 1.7M

$32.44 NZ$55.2

197.60%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 109.6K

$16.44 NZ$27.95

-61.37%

Cinema Ticket

$4.04 Rp 69.7K

$13.38 NZ$22.74

-69.81%

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

$303 Rp 5.2M

$835 NZ$1,419

-63.74%

International Primary School, 1 Child (Yearly)

$6,523 Rp 112.6M

$17.9K NZ$30.5K

-63.66%

Jeans (Levis 501 Or Similar)

$53.8 Rp 929.5K

$63.0 NZ$107

-14.49%

Summer Dress (H&M, Zara, etc)

$37.98 Rp 655.8K

$41.00 NZ$69.7

-7.37%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.5M

$88.2 NZ$150

-1.60%

Men's Leather Business Shoes

$78.9 Rp 1.4M

$114 NZ$194

-31.01%

1-bedroom Apartment, City Center (Monthly)

$1,012 Rp 17.5M

$958 NZ$1,629

5.64%

1-bedroom Apartment, Outside City Center (Monthly)

$674 Rp 11.6M

$878 NZ$1,492

-23.15%

3-bedroom Apartment, City Center (Monthly)

$3,390 Rp 58.5M

$1,249 NZ$2,123

171.42%

3-bedroom Apartment, Outside City Center (Monthly)

$2,098 Rp 36.2M

$1,615 NZ$2,746

29.91%

Buy Apartment in City Center (m2)

$2,985 Rp 51.5M

$5,675 NZ$9,647

-47.40%

Buy Apartment Outside City Center (m2)

$2,339 Rp 40.4M

$4,916 NZ$8,358

-52.42%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

$2,673 NZ$4,545

-93.52%

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: April 28, 2026

Last update for Hamilton: April 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,012 in Ubud, Bali and $958 in Hamilton. Housing cost is often the main lever when comparing two cities.

Hamilton pays 1444% 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 $85.0 in Hamilton for a mid-range dinner for two. Groceries echo the gap at $298 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 30% gap adds up to real monthly savings that compound significantly over time.

On paper, Hamilton earns 1444% 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: $1,012 in Ubud, Bali versus $958 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 $85.0 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,438 per month in Ubud, Bali versus $1,869 in Hamilton – a 30% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,438 in Ubud, Bali versus $1,869 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 30% less than in Hamilton. Beyond cost, consider language, visa policies, and how big the international community is in each city.