Last update: Oct 2026

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

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,917 in Hamilton, rent and utilities included – about $6,800 less a year. Rent and utilities account for about half of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
93

Cost of Living Index in Hamilton
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Hamilton Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Hamilton

🇳🇿 New Zealand

$1,917

/mo nomad

Monthly Cost of Living

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

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 Hamilton actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,917 in Hamilton.

Ubud, Bali $1,349
Hamilton $1,917

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,828 in Hamilton.

Ubud, Bali $2,305
Hamilton $2,828

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,739 in Hamilton.

Ubud, Bali $3,261
Hamilton $3,739

Living in Ubud, Bali costs roughly 30% less than in Hamilton, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.4K

$12.20 NZ$21.74

-72.79%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 647.8K

$74.6 NZ$133

-52.21%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.6K

$8.34 NZ$14.86

-33.69%

Cappuccino

$2.72 Rp 49.4K

$3.49 NZ$6.22

-22.06%

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

$1.70 Rp 30.9K

$2.31 NZ$4.12

-26.41%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.50 NZ$4.46

-69.60%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$6.08 NZ$10.83

-56.41%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.6K

$5.61 NZ$10.00

-21.93%

Milk (1 liter)

$1.49 Rp 27.1K

$1.46 NZ$2.60

2.05%

White Bread (500g)

$2.28 Rp 41.4K

$1.25 NZ$2.23

82.40%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.94 NZ$3.45

-38.66%

Eggs

$2.04 Rp 37.0K

$5.52 NZ$9.83

-63.04%

Local Cheese (1kg)

$17.70 Rp 321.7K

$5.78 NZ$10.30

206.23%

Chicken Fillets (1kg)

$3.96 Rp 72.0K

$7.18 NZ$12.80

-44.85%

Beef Round Steak (1kg)

$12.19 Rp 221.6K

$11.70 NZ$20.85

4.19%

Apples (1kg)

$3.66 Rp 66.4K

$2.71 NZ$4.82

35.06%

Banana (1kg)

$1.52 Rp 27.6K

$2.31 NZ$4.12

-34.20%

Oranges (1kg)

$2.23 Rp 40.5K

$3.24 NZ$5.78

-31.17%

Tomato (1kg)

$1.97 Rp 35.9K

$6.21 NZ$11.06

-68.28%

Potato (1kg)

$1.85 Rp 33.6K

$2.05 NZ$3.65

-9.76%

Onion (1kg)

$2.42 Rp 44.1K

$1.41 NZ$2.52

71.63%

Lettuce (1 head)

$0.99 Rp 18.0K

$2.49 NZ$4.43

-60.24%

Water (1.5 liter bottle)

$0.51 Rp 9,332

$0.98 NZ$1.75

-47.96%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.4K

$26.19 NZ$46.68

-91.52%

Wine (Bottle)

$22.24 Rp 404.2K

$10.72 NZ$19.11

107.46%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.1K

$4.02 NZ$7.17

-43.78%

Imported Beer (0.33 liter bottle)

$2.97 Rp 54.0K

$4.14 NZ$7.38

-28.26%

One-way Ticket (Public Transport)

$0.25 Rp 4,562

$2.66 NZ$4.74

-90.60%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.2K

$52.7 NZ$93.8

-85.15%

Taxi Start (Normal Tariff)

$0.44 Rp 7,989

$3.70 NZ$6.59

-88.11%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,817

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.3K

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.67 NZ$2.97

-50.90%

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

$23.8K Rp 433.3M

$28.2K NZ$50.3K

-15.51%

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

$31.7K Rp 577.0M

$22.4K NZ$39.8K

42.04%

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

$79.1 Rp 1.4M

$58.3 NZ$104

35.70%

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

$6.45 Rp 117.2K

$36.48 NZ$65.0

-82.32%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.7K

$55.5 NZ$98.9

-66.51%

Gym Membership (Monthly)

$49.48 Rp 899.4K

$25.73 NZ$45.86

92.30%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.8K

$28.98 NZ$51.6

-39.10%

Cinema Ticket

$4.27 Rp 77.7K

$13.93 NZ$24.83

-69.35%

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

$491 Rp 8.9M

$670 NZ$1,195

-26.82%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.1M

$22.5K NZ$40.0K

-74.73%

Jeans (Levis 501 Or Similar)

$44.64 Rp 811.4K

$63.7 NZ$113

-29.87%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 635.3K

$38.93 NZ$69.4

-10.22%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.5M

$94.7 NZ$169

-15.66%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$107 NZ$190

-25.47%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,090 NZ$1,942

3.24%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$987 NZ$1,759

-31.98%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.8M

$1,636 NZ$2,915

117.90%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,476 NZ$2,631

16.75%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$4,019 NZ$7,163

-32.04%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.5M

$4,525 NZ$8,064

-49.52%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,678 NZ$4,773

-93.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.83

101.76%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Hamilton: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Hamilton

$987 51.5% 47% $316

Groceries & Markets

Ubud, Bali

$288 21.4%

Hamilton

$297 15.5% 3% $8.8

Eating Out

Ubud, Bali

$108 8%

Hamilton

$225 11.8% 109% $118

Clothing & Footwear

Ubud, Bali

$108 8%

Hamilton

$137 7.1% 27.2% $29

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Hamilton

$150 7.8% 44.3% $46

Sport & Entertainment

Ubud, Bali

$58 4.3%

Hamilton

$54 2.8% 7.6% $4.4

Getting Around

Ubud, Bali

$11 0.9%

Hamilton

$67 * 3.5% 487% $56

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 $1,125 in Ubud, Bali and $1,090 in Hamilton. Housing cost is often the main lever when comparing two cities.

Hamilton pays about 16 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $75 in Hamilton for a mid-range dinner for two. Groceries echo the gap at $288 vs $297 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Hamilton

🕒 Local time

23:50 11:50 PM

04:50 4:50 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

169,500

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.5 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.561 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 October 28, 2026: 1 USD = 18,175 IDR (100,000 IDR = 5.5 USD). 1 EUR = 20,228 IDR (100,000 IDR = 4.94 EUR).

New Zealand Dollar exchange rates as of October 28, 2026: 1 USD = 1.78 NZD (1 NZD = 0.561 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Hamilton 6,810 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Hamilton

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 Hamilton: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in eating out, utilities, and transport. The 42% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 94% lower in Ubud, Bali. 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: $1,125 in Ubud, Bali versus $1,090 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 $36 versus $75 in Hamilton. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,349 per month in Ubud, Bali versus $1,917 in Hamilton – a 42% gap that adds up to real savings over time for anyone picking the cheaper option.

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 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.

It comes down to priorities – Ubud, Bali wins on affordability, Hamilton on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.