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

Monthly Cost of Living

Monthly costs for one person with rent: $1,404 in Ubud, Bali versus $1,946 in Napier.

Estimated couple costs with rent: $2,549 in Ubud, Bali versus $3,139 in Napier.

Monthly costs for a family of three with rent: $3,694 in Ubud, Bali versus $4,333 in Napier.

Living in Ubud, Bali costs roughly 28% less than in Napier, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 4% above, Napier 45% above.

Meal at Budget Restaurant

$3.57 Rp 64.0K

$20.18 NZ$34.46

-82.31%

Three-Course Dinner for Two, Mid-Range

$32.50 Rp 582.3K

$100 NZ$171

-67.61%

Fast Food Meal (McDonalds, etc)

$4.86 Rp 87.1K

$11.01 NZ$18.79

-55.86%

Cappuccino

$2.75 Rp 49.2K

$3.59 NZ$6.12

-23.40%

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

$1.32 Rp 23.7K

$2.29 NZ$3.91

-42.36%

Water (0.33 liter bottle)

$0.70 Rp 12.6K

$2.26 NZ$3.86

-69.03%

Local Beer (0.5 liter draught)

$2.91 Rp 52.2K

$7.31 NZ$12.49

-60.19%

Imported Beer (0.33 liter bottle)

$3.79 Rp 68.0K

$6.14 NZ$10.49

-38.27%

Milk (1 liter)

$1.71 Rp 30.6K

$1.73 NZ$2.96

-1.16%

White Bread (500g)

$2.47 Rp 44.3K

$1.69 NZ$2.88

46.15%

Rice (white) (1kg)

$1.20 Rp 21.5K

$1.89 NZ$3.23

-36.51%

Eggs

$2.44 Rp 43.8K

$6.32 NZ$10.80

-61.39%

Local Cheese (1kg)

$14.38 Rp 257.7K

$8.09 NZ$13.82

77.75%

Chicken Fillets (1kg)

$4.31 Rp 77.1K

$9.46 NZ$16.16

-54.44%

Beef Round Steak (1kg)

$12.21 Rp 218.7K

$12.48 NZ$21.30

-2.16%

Apples (1kg)

$3.68 Rp 66.0K

$2.52 NZ$4.30

46.03%

Banana (1kg)

$1.55 Rp 27.8K

$1.83 NZ$3.12

-15.30%

Oranges (1kg)

$2.79 Rp 49.9K

$2.43 NZ$4.15

14.81%

Tomato (1kg)

$2.33 Rp 41.8K

$3.31 NZ$5.65

-29.61%

Potato (1kg)

$1.97 Rp 35.3K

$2.05 NZ$3.50

-3.90%

Onion (1kg)

$2.31 Rp 41.4K

$2.15 NZ$3.66

7.44%

Lettuce (1 head)

$1.06 Rp 19.1K

$2.11 NZ$3.61

-49.76%

Water (1.5 liter bottle)

$0.73 Rp 13.1K

$1.28 NZ$2.19

-42.97%

Cigarettes 20 Pack (Marlboro, Camel)

$3.28 Rp 58.8K

$20.63 NZ$35.22

-84.10%

Wine (Bottle)

$22.79 Rp 408.4K

$8.78 NZ$14.99

159.57%

Local Beer (0.5 liter bottle)

$2.81 Rp 50.3K

$2.50 NZ$4.27

12.40%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.9K

$2.73 NZ$4.66

1.83%

One-way Ticket (Public Transport)

$0.29 Rp 5,217

$1.86 NZ$3.18

-84.41%

Public Transport Monthly Pass (Regular Price)

$8.06 Rp 144.4K

$48.84 NZ$83.4

-83.50%

Taxi Start (Normal Tariff)

$0.45 Rp 8,047

$2.67 NZ$4.55

-83.15%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,094

$1.72 NZ$2.94

-73.84%

Taxi 1hour Waiting (Normal Tariff)

$6.24 Rp 111.7K

$35.41 NZ$60.5

-82.38%

Gasoline (1 liter)

$0.85 Rp 15.2K

$1.70 NZ$2.91

-50.00%

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

$26.0K Rp 465.4M

$26.7K NZ$45.5K

-2.57%

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

$31.7K Rp 567.2M

$22.9K NZ$39.1K

38.18%

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

$80.8 Rp 1.4M

$199 NZ$340

-59.40%

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

$4.06 Rp 72.7K

$37.33 NZ$63.7

-89.12%

Internet (50+ Mbps, Unlimited Data)

$24.42 Rp 437.6K

$47.74 NZ$81.5

-48.85%

Gym Membership (Monthly)

$97.7 Rp 1.7M

$38.73 NZ$66.1

152.18%

Tennis Court (1 Hour on Weekend)

$6.45 Rp 115.5K

$11.60 NZ$19.81

-44.40%

Cinema Ticket

$4.04 Rp 72.4K

$9.28 NZ$15.85

-56.47%

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

$304 Rp 5.4M

$742 NZ$1,266

-59.00%

International Primary School, 1 Child (Yearly)

$6,621 Rp 118.6M

$11.9K NZ$20.4K

-44.50%

Jeans (Levis 501 Or Similar)

$54.2 Rp 971.7K

$101 NZ$172

-46.05%

Summer Dress (H&M, Zara, etc)

$38.78 Rp 694.7K

$57.8 NZ$98.7

-32.94%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$103 NZ$175

-16.16%

Men's Leather Business Shoes

$76.7 Rp 1.4M

$126 NZ$215

-39.25%

1-bedroom Apartment, City Center (Monthly)

$986 Rp 17.7M

$1,262 NZ$2,155

-21.92%

1-bedroom Apartment, Outside City Center (Monthly)

$658 Rp 11.8M

$754 NZ$1,287

-12.72%

3-bedroom Apartment, City Center (Monthly)

$3,369 Rp 60.4M

$1,589 NZ$2,713

112.06%

3-bedroom Apartment, Outside City Center (Monthly)

$2,066 Rp 37.0M

$1,626 NZ$2,776

27.09%

Buy Apartment in City Center (m2)

$2,741 Rp 49.1M

$4,598 NZ$7,851

-40.37%

Buy Apartment Outside City Center (m2)

$2,228 Rp 39.9M

$3,461 NZ$5,909

-35.63%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

$3,157 NZ$5,392

-94.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.69

98.51%

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

Last update for Ubud, Bali: June 9, 2026

Last update for Napier: June 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $986 in Ubud, Bali and $1,262 in Napier. Housing cost is often the main lever when comparing two cities.

Napier pays 1832% 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 $100 in Napier. Groceries flip the comparison at $297 vs $296, with Napier cheaper for home cooking.

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 Napier: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Clothing & Footwear, Eating Out, Monthly Utilities & Internet, Getting Around. The 39% gap adds up to real monthly savings that compound significantly over time.

On paper, Napier earns 1832% 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: $986 in Ubud, Bali versus $1,262 in Napier. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Ubud, Bali runs roughly 506% less than in Napier. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $304 in Ubud, Bali versus $742 in Napier. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,404 in Ubud, Bali versus $1,946 in Napier, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Napier. 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 Napier, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Napier 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 39% less than in Napier. Beyond cost, consider language, visa policies, and how big the international community is in each city.