Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Invercargill

For one person, living costs are similar in Ubud, Bali and in Invercargill: $1,368 and $1,412 a month, rent and utilities included.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
68

Cost of Living Index in Invercargill
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Invercargill Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Invercargill

🇳🇿 New Zealand

$1,412

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,368 per month in Ubud, Bali vs $1,412 in Invercargill, rent included.

Ubud, Bali $1,368
Invercargill $1,412

A couple spends around $2,314 per month in Ubud, Bali vs $2,099 in Invercargill, rent included.

Ubud, Bali $2,314
Invercargill $2,099

A family of three spends $3,260 per month in Ubud, Bali vs $2,785 in Invercargill, rent included.

Ubud, Bali $3,260
Invercargill $2,785

Ubud, Bali is about 3% cheaper than Invercargill, and outside of rent the biggest gap is in eating out.

Both Ubud, Bali and Invercargill sit above the global median – Ubud, Bali by 1%, Invercargill by 5%.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$14.04 NZ$24.83

-76.28%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$61.2 NZ$108

-42.54%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$8.32 NZ$14.71

-30.29%

Cappuccino

$2.73 Rp 49.1K

$3.12 NZ$5.52

-12.50%

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

$1.64 Rp 29.5K

$1.65 NZ$2.92

-0.61%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.03 NZ$3.60

-59.11%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$2.74 NZ$4.85

-1.46%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$2.74 NZ$4.85

56.93%

Milk (1 liter)

$1.50 Rp 27.1K

$1.68 NZ$2.96

-10.71%

White Bread (500g)

$2.30 Rp 41.4K

$1.85 NZ$3.27

24.32%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.76 NZ$3.11

-32.95%

Eggs

$2.14 Rp 38.6K

$5.58 NZ$9.87

-61.65%

Local Cheese (1kg)

$17.48 Rp 314.6K

$8.23 NZ$14.55

112.39%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$8.83 NZ$15.61

-54.36%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$12.12 NZ$21.44

0.91%

Apples (1kg)

$3.55 Rp 63.9K

$2.55 NZ$4.50

39.22%

Banana (1kg)

$1.57 Rp 28.3K

$2.36 NZ$4.17

-33.47%

Oranges (1kg)

$2.24 Rp 40.2K

$2.66 NZ$4.70

-15.79%

Tomato (1kg)

$1.93 Rp 34.7K

$3.52 NZ$6.23

-45.17%

Potato (1kg)

$1.88 Rp 33.9K

$3.21 NZ$5.68

-41.43%

Onion (1kg)

$2.29 Rp 41.3K

$1.61 NZ$2.85

42.24%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.33 NZ$4.13

-57.51%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.04 NZ$1.84

-49.04%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$20.39 NZ$36.06

-88.82%

Wine (Bottle)

$23.01 Rp 414.2K

$8.56 NZ$15.14

168.81%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$2.86 NZ$5.06

-18.18%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$3.39 NZ$5.99

-14.16%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.41 NZ$2.49

-82.98%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$2.27 NZ$4.01

-78.85%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.94 NZ$3.42

-76.29%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$27.73 NZ$49.04

-80.35%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.59 NZ$2.81

-44.65%

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

$24.6K Rp 442.2M

$23.8K NZ$42.1K

3.22%

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

$31.2K Rp 561.4M

$18.2K NZ$32.3K

70.97%

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

$83.0 Rp 1.5M

$109 NZ$192

-23.65%

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

$6.45 Rp 116.0K

$32.30 NZ$57.1

-80.03%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$42.46 NZ$75.1

-56.26%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$27.87 NZ$49.29

100.29%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

$13.77 NZ$24.34

31.52%

Cinema Ticket

$4.38 Rp 78.9K

$8.82 NZ$15.60

-50.34%

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

$493 Rp 8.9M

$589 NZ$1,042

-16.34%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$57.4 NZ$102

-19.57%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$35.07 NZ$62.0

0.74%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$70.0 NZ$124

13.07%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$79.0 NZ$140

-0.75%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$594 NZ$1,050

92.39%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$551 NZ$974

22.69%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$831 NZ$1,470

321.53%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$764 NZ$1,350

122.62%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$5,482 NZ$9,695

-49.21%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$5,034 NZ$8,902

-55.49%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$2,729 NZ$4,826

-93.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.72

105.06%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Invercargill: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Invercargill

$551 39% 18.5% $125

Groceries & Markets

Ubud, Bali

$290 21.2%

Invercargill

$298 21.1% 2.5% $7.4

Eating Out

Ubud, Bali

$109 8%

Invercargill

$209 14.8% 91.8% $100

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Invercargill

$183 13% 69.8% $75

Clothing & Footwear

Ubud, Bali

$108 7.9%

Invercargill

$109 7.7% 1% $1.1

Sport & Entertainment

Ubud, Bali

$65 4.7%

Invercargill

$46 3.2% 29.5% $19

Getting Around

Ubud, Bali

$13 0.9%

Invercargill

$18 * 1.2% 40.1% $5

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A central one-bedroom costs $1,142 in Ubud, Bali versus $594 in Invercargill. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 1558% higher in Invercargill, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $35.00 in Ubud, Bali versus $61.0 in Invercargill. Monthly groceries follow the same trend: $290 vs $298 – making Ubud, Bali the more affordable choice for daily food spending.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Invercargill

🕒 Local time

06:09 6:09 AM

11:09 11:09 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

56,200

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 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 17, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

New Zealand Dollar exchange rates as of October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Invercargill 6,550 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Invercargill

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 Invercargill: Cost of Living - Frequently Asked Questions

Invercargill costs about 3% more than Ubud, Bali, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,051 per month in Ubud, Bali and $2,119 in Invercargill. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Ubud, Bali, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $1,368 in Ubud, Bali and $1,412 in Invercargill. That's a gap of about 3%.

Kindergarten costs $493 per month in Ubud, Bali and $589 in Invercargill. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Ubud, Bali, where all-in costs run around $1,368, than in Invercargill at $1,412. In Ubud, Bali it covers expenses comfortably, while in Invercargill it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Ubud, Bali costs $1,368 versus $1,412 in Invercargill. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Ubud, Bali. If higher salaries, better infrastructure, or specific career opportunities are the priority, Invercargill makes more sense. Both are solid long-term options with distinct trade-offs.