Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Masterton

For one person, living is cheaper in Masterton: $841 a month against $1,349 in Ubud, Bali, rent and utilities included – about $6,100 less a year. Higher rent and utilities in Ubud, Bali outweigh lower spending on other living expenses.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
41

Cost of Living Index in Masterton
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Masterton Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Masterton

🇳🇿 New Zealand

$841

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $841 in Masterton.

Ubud, Bali $1,349
Masterton $841

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $1,446 in Masterton.

Ubud, Bali $2,305
Masterton $1,446

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $2,051 in Masterton.

Ubud, Bali $3,261
Masterton $2,051

Living in Ubud, Bali is roughly 60% more expensive than in Masterton.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$9.26 NZ$16.44

-64.15%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$65.0 NZ$115

-45.13%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.77 NZ$15.58

-36.94%

Cappuccino

$2.72 Rp 49.3K

$3.35 NZ$5.95

-18.81%

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

$1.70 Rp 30.8K

$1.95 NZ$3.46

-12.82%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.11 NZ$1.97

-31.53%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$3.96 NZ$7.04

-33.08%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$3.40 NZ$6.04

28.82%

Milk (1 liter)

$1.49 Rp 27.0K

$1.46 NZ$2.59

2.05%

White Bread (500g)

$2.28 Rp 41.2K

$2.13 NZ$3.77

7.04%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.10 NZ$1.95

8.18%

Eggs

$2.04 Rp 36.9K

$6.49 NZ$11.51

-68.57%

Local Cheese (1kg)

$17.70 Rp 320.8K

$8.59 NZ$15.25

106.05%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$9.94 NZ$17.65

-60.16%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$15.03 NZ$26.69

-18.90%

Apples (1kg)

$3.66 Rp 66.2K

$2.22 NZ$3.93

64.86%

Banana (1kg)

$1.52 Rp 27.5K

$1.81 NZ$3.21

-16.02%

Oranges (1kg)

$2.23 Rp 40.4K

$3.04 NZ$5.40

-26.64%

Tomato (1kg)

$1.97 Rp 35.7K

$4.48 NZ$7.95

-56.03%

Potato (1kg)

$1.85 Rp 33.5K

$1.51 NZ$2.69

22.52%

Onion (1kg)

$2.42 Rp 43.9K

$1.09 NZ$1.94

122.02%

Lettuce (1 head)

$0.99 Rp 17.9K

$1.71 NZ$3.04

-42.11%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.52 NZ$0.93

-1.92%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$19.90 NZ$35.33

-88.84%

Wine (Bottle)

$22.24 Rp 403.0K

$11.48 NZ$20.39

93.73%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$0.88 NZ$1.56

156.82%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$1.22 NZ$2.17

143.44%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$2.23 NZ$3.97

-88.79%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.89 NZ$3.36

-76.72%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.80 NZ$3.20

-76.11%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$33.98 NZ$60.3

-84.08%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.73 NZ$3.08

-52.60%

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

$23.8K Rp 432.0M

$22.9K NZ$40.6K

4.27%

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

$31.7K Rp 575.3M

$23.9K NZ$42.4K

32.98%

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

$79.1 Rp 1.4M

$56.0 NZ$99.5

41.10%

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

$6.45 Rp 116.8K

$29.91 NZ$53.1

-78.44%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$53.4 NZ$94.8

-65.19%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$42.36 NZ$75.2

16.81%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

$8.22 NZ$14.59

114.72%

Cinema Ticket

$4.27 Rp 77.4K

$9.47 NZ$16.81

-54.91%

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

$491 Rp 8.9M

$1,038 NZ$1,844

-52.76%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$13.3K NZ$23.6K

-57.38%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$56.7 NZ$101

-21.21%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$28.47 NZ$50.6

22.76%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$105 NZ$186

-23.59%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$141 NZ$250

-43.60%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,019 NZ$1,809

249.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$2,339 NZ$4,152

-92.99%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.39

155.66%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Masterton: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Masterton

- * 0% 100%

Groceries & Markets

Ubud, Bali

$288 21.4%

Masterton

$293 34.8% 1.5% $4.4

Eating Out

Ubud, Bali

$108 8%

Masterton

$179 21.3% 66.7% $72

Clothing & Footwear

Ubud, Bali

$108 8%

Masterton

$149 17.7% 38.3% $41

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Masterton

$139 16.6% 33.9% $35

Sport & Entertainment

Ubud, Bali

$58 4.3%

Masterton

$61 7.3% 5.6% $3.3

Getting Around

Ubud, Bali

$11 0.9%

Masterton

$20 * 2.4% 73.7% $8.4

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

Cost Breakdown

Masterton pays about 14 times more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36 in Ubud, Bali vs $65 in Masterton for a mid-range dinner for two. Groceries echo the gap at $288 vs $293 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Masterton

🕒 Local time

08:50 8:50 AM

13:50 1:50 PM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

26,800

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.52 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 = 18,120 IDR (100,000 IDR = 5.52 USD). 1 EUR = 20,232 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

Lowest

Highest

Between locations

Ubud, Bali Masterton 6,920 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Masterton

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 Masterton: Cost of Living - Frequently Asked Questions

On paper, salaries run 93% 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.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $65 in Masterton. If you eat out regularly, this makes a real dent in your monthly spending.

Childcare runs $491 in Ubud, Bali versus $1,038 in Masterton. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $841 in Masterton versus $1,349 in Ubud, Bali, a $1,000 budget is realistic in Masterton but tight or insufficient in Ubud, Bali. The gap between the two cities makes Masterton the clear choice for anyone on this budget.

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 Masterton are both considered safe, so it’s unlikely to be the deciding factor between them.