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

Monthly Cost of Living

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $867 in Masterton.

Estimated couple costs with rent: $2,348 in Ubud, Bali versus $1,478 in Masterton.

Monthly costs for a family of three with rent: $3,327 in Ubud, Bali versus $2,089 in Masterton.

Living in Ubud, Bali is roughly 58% more expensive than in Masterton, driven mainly by Eating Out.

The two cities straddle the global median: Ubud, Bali is 0% above, Masterton is 37% below.

Meal at Budget Restaurant

$3.44 Rp 60.9K

$9.94 NZ$17.38

-65.39%

Three-Course Dinner for Two, Mid-Range

$36.31 Rp 643.0K

$66.8 NZ$117

-45.63%

Fast Food Meal (McDonalds, etc)

$5.71 Rp 101.0K

$8.59 NZ$15.01

-33.53%

Cappuccino

$2.67 Rp 47.3K

$3.30 NZ$5.77

-19.09%

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

$1.75 Rp 31.0K

$2.07 NZ$3.62

-15.46%

Water (0.33 liter bottle)

$0.87 Rp 15.4K

$1.18 NZ$2.06

-26.27%

Local Beer (0.5 liter draught)

$2.95 Rp 52.3K

$3.94 NZ$6.89

-25.13%

Imported Beer (0.33 liter bottle)

$4.52 Rp 80.0K

$3.53 NZ$6.18

28.05%

Milk (1 liter)

$1.62 Rp 28.7K

$1.48 NZ$2.59

9.46%

White Bread (500g)

$2.33 Rp 41.3K

$2.25 NZ$3.93

3.56%

Rice (white) (1kg)

$1.11 Rp 19.6K

$1.07 NZ$1.87

3.74%

Eggs

$2.20 Rp 39.0K

$6.32 NZ$11.04

-65.19%

Local Cheese (1kg)

$17.69 Rp 313.3K

$8.78 NZ$15.36

101.48%

Chicken Fillets (1kg)

$4.10 Rp 72.5K

$10.24 NZ$17.90

-59.96%

Beef Round Steak (1kg)

$12.18 Rp 215.6K

$15.78 NZ$27.59

-22.81%

Apples (1kg)

$3.71 Rp 65.6K

$2.36 NZ$4.12

57.20%

Banana (1kg)

$1.59 Rp 28.1K

$1.79 NZ$3.12

-11.17%

Oranges (1kg)

$2.28 Rp 40.4K

$3.16 NZ$5.53

-27.85%

Tomato (1kg)

$1.95 Rp 34.6K

$4.70 NZ$8.21

-58.51%

Potato (1kg)

$1.91 Rp 33.7K

$1.55 NZ$2.71

23.23%

Onion (1kg)

$2.33 Rp 41.3K

$1.16 NZ$2.02

100.86%

Lettuce (1 head)

$1.01 Rp 17.8K

$1.78 NZ$3.11

-43.26%

Water (1.5 liter bottle)

$0.55 Rp 9,773

$0.50 NZ$0.87

10.00%

Cigarettes 20 Pack (Marlboro, Camel)

$2.23 Rp 39.5K

$19.84 NZ$34.69

-88.76%

Wine (Bottle)

$23.07 Rp 408.6K

$11.37 NZ$19.87

102.90%

Local Beer (0.5 liter bottle)

$2.42 Rp 42.8K

$0.90 NZ$1.57

168.89%

Imported Beer (0.33 liter bottle)

$3.00 Rp 53.1K

$1.19 NZ$2.08

152.10%

One-way Ticket (Public Transport)

$0.27 Rp 4,814

$2.36 NZ$4.12

-88.56%

Public Transport Monthly Pass (Regular Price)

$8.98 Rp 159.1K

Taxi Start (Normal Tariff)

$0.48 Rp 8,566

$1.87 NZ$3.26

-74.33%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,679

$1.81 NZ$3.16

-76.24%

Taxi 1hour Waiting (Normal Tariff)

$5.64 Rp 99.9K

$34.33 NZ$60.0

-83.57%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.74 NZ$3.04

-54.02%

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

$24.9K Rp 441.7M

$23.4K NZ$41.0K

6.49%

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

$31.7K Rp 561.5M

$25.5K NZ$44.5K

24.56%

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

$81.5 Rp 1.4M

$57.7 NZ$101

41.11%

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

$6.49 Rp 115.0K

$31.00 NZ$54.2

-79.06%

Internet (50+ Mbps, Unlimited Data)

$18.77 Rp 332.4K

$54.6 NZ$95.4

-65.62%

Gym Membership (Monthly)

$56.9 Rp 1.0M

$43.22 NZ$75.6

31.58%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

$8.33 NZ$14.56

124.85%

Cinema Ticket

$4.54 Rp 80.4K

$9.70 NZ$16.96

-53.20%

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

$481 Rp 8.5M

$1,069 NZ$1,869

-55.04%

International Primary School, 1 Child (Yearly)

$5,711 Rp 101.1M

$13.3K NZ$23.3K

-57.06%

Jeans (Levis 501 Or Similar)

$45.52 Rp 806.0K

$57.0 NZ$99.6

-20.13%

Summer Dress (H&M, Zara, etc)

$35.88 Rp 635.4K

$28.98 NZ$50.7

23.81%

Sport Shoes (Adidas, Nike)

$80.4 Rp 1.4M

$104 NZ$183

-23.02%

Men's Leather Business Shoes

$78.7 Rp 1.4M

$142 NZ$248

-44.61%

1-bedroom Apartment, City Center (Monthly)

$1,115 Rp 19.7M

1-bedroom Apartment, Outside City Center (Monthly)

$698 Rp 12.4M

3-bedroom Apartment, City Center (Monthly)

$3,637 Rp 64.4M

$1,032 NZ$1,804

252.32%

3-bedroom Apartment, Outside City Center (Monthly)

$1,737 Rp 30.8M

Buy Apartment in City Center (m2)

$2,784 Rp 49.3M

Buy Apartment Outside City Center (m2)

$2,290 Rp 40.5M

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

$2,429 NZ$4,247

-93.08%

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: September 14, 2026

Last update for Masterton: September 13, 2026

Cost Breakdown

Masterton pays 1346% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $36.00 in Ubud, Bali vs $67.0 in Masterton for a mid-range dinner for two. Groceries echo the gap at $295 vs $300 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 Masterton: Cost of Living - Frequently Asked Questions

Masterton is cheaper overall, especially in Sport & Entertainment. The 58% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 1346% lower in Masterton. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Shoppers in Ubud, Bali pay roughly 2% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $1,368 per month in Ubud, Bali versus $867 in Masterton – a 58% gap that adds up to real savings over time for anyone picking the cheaper option.

At $867 in Masterton versus $1,368 in Ubud, Bali, a $1,500 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.

For families, Masterton is more practical. Housing and childcare are both notably cheaper than in Ubud, Bali, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Masterton 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 Masterton gentler on the wallet – expenses run 58% less than in Ubud, Bali. Beyond cost, consider language, visa policies, and how big the international community is in each city.