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: $1,392 in Ubud, Bali versus $1,928 in Napier.

Estimated couple costs with rent: $2,557 in Ubud, Bali versus $3,186 in Napier.

Monthly costs for a family of three with rent: $3,723 in Ubud, Bali versus $4,443 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 5% above, Napier 45% above.

Meal at Budget Restaurant

$3.57 Rp 64.5K

$19.53 NZ$33.11

-81.72%

Three-Course Dinner for Two, Mid-Range

$32.32 Rp 583.4K

$101 NZ$171

-68.03%

Fast Food Meal (McDonalds, etc)

$5.01 Rp 90.4K

$10.97 NZ$18.59

-54.33%

Cappuccino

$2.82 Rp 51.0K

$3.64 NZ$6.17

-22.53%

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

$1.35 Rp 24.4K

$2.40 NZ$4.06

-43.75%

Water (0.33 liter bottle)

$0.73 Rp 13.2K

$2.16 NZ$3.67

-66.20%

Local Beer (0.5 liter draught)

$2.93 Rp 53.0K

$7.13 NZ$12.09

-58.91%

Imported Beer (0.33 liter bottle)

$3.94 Rp 71.1K

$6.15 NZ$10.42

-35.93%

Milk (1 liter)

$1.78 Rp 32.1K

$1.74 NZ$2.95

2.30%

White Bread (500g)

$2.45 Rp 44.2K

$1.63 NZ$2.77

50.31%

Rice (white) (1kg)

$1.15 Rp 20.7K

$1.91 NZ$3.24

-39.79%

Eggs

$2.41 Rp 43.6K

$6.08 NZ$10.31

-60.36%

Local Cheese (1kg)

$14.33 Rp 258.7K

$8.10 NZ$13.73

76.91%

Chicken Fillets (1kg)

$4.19 Rp 75.6K

$9.34 NZ$15.83

-55.14%

Beef Round Steak (1kg)

$12.06 Rp 217.7K

$12.48 NZ$21.16

-3.37%

Apples (1kg)

$3.64 Rp 65.7K

$2.49 NZ$4.22

46.18%

Banana (1kg)

$1.57 Rp 28.3K

$1.88 NZ$3.18

-16.49%

Oranges (1kg)

$2.79 Rp 50.3K

$2.53 NZ$4.30

10.28%

Tomato (1kg)

$2.24 Rp 40.5K

$3.34 NZ$5.66

-32.93%

Potato (1kg)

$1.98 Rp 35.7K

$2.07 NZ$3.51

-4.35%

Onion (1kg)

$2.28 Rp 41.1K

$2.14 NZ$3.63

6.54%

Lettuce (1 head)

$1.05 Rp 19.0K

$2.15 NZ$3.64

-51.16%

Water (1.5 liter bottle)

$0.79 Rp 14.2K

$1.25 NZ$2.12

-36.80%

Cigarettes 20 Pack (Marlboro, Camel)

$3.19 Rp 57.6K

$19.98 NZ$33.87

-84.03%

Wine (Bottle)

$23.49 Rp 424.1K

$8.84 NZ$14.98

165.72%

Local Beer (0.5 liter bottle)

$2.90 Rp 52.3K

$2.49 NZ$4.23

16.47%

Imported Beer (0.33 liter bottle)

$2.76 Rp 49.7K

$2.69 NZ$4.57

2.60%

One-way Ticket (Public Transport)

$0.27 Rp 4,813

$1.83 NZ$3.10

-85.25%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 151.1K

$48.15 NZ$81.6

-82.62%

Taxi Start (Normal Tariff)

$0.45 Rp 8,167

$2.67 NZ$4.53

-83.15%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,298

$1.70 NZ$2.89

-72.94%

Taxi 1hour Waiting (Normal Tariff)

$6.07 Rp 109.6K

$35.33 NZ$59.9

-82.82%

Gasoline (1 liter)

$0.86 Rp 15.6K

$1.70 NZ$2.88

-49.41%

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

$26.6K Rp 480.0M

$27.5K NZ$46.6K

-3.26%

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

$32.5K Rp 587.6M

$23.4K NZ$39.7K

38.87%

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

$79.0 Rp 1.4M

$196 NZ$332

-59.61%

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

$4.09 Rp 73.9K

$37.03 NZ$62.8

-88.95%

Internet (50+ Mbps, Unlimited Data)

$23.85 Rp 430.5K

$48.85 NZ$82.8

-51.18%

Gym Membership (Monthly)

$98.8 Rp 1.8M

$38.56 NZ$65.4

156.17%

Tennis Court (1 Hour on Weekend)

$6.35 Rp 114.7K

$11.55 NZ$19.57

-45.02%

Cinema Ticket

$4.01 Rp 72.3K

$9.28 NZ$15.73

-56.79%

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

$297 Rp 5.4M

$764 NZ$1,295

-61.08%

International Primary School, 1 Child (Yearly)

$6,602 Rp 119.2M

$11.8K NZ$20.1K

-44.25%

Jeans (Levis 501 Or Similar)

$53.4 Rp 964.5K

$97.5 NZ$165

-45.22%

Summer Dress (H&M, Zara, etc)

$38.11 Rp 688.1K

$57.6 NZ$97.6

-33.84%

Sport Shoes (Adidas, Nike)

$88.7 Rp 1.6M

$102 NZ$172

-12.85%

Men's Leather Business Shoes

$76.6 Rp 1.4M

$129 NZ$219

-40.58%

1-bedroom Apartment, City Center (Monthly)

$1,020 Rp 18.4M

$1,286 NZ$2,181

-20.72%

1-bedroom Apartment, Outside City Center (Monthly)

$680 Rp 12.3M

$748 NZ$1,269

-9.11%

3-bedroom Apartment, City Center (Monthly)

$3,469 Rp 62.6M

$1,600 NZ$2,713

116.78%

3-bedroom Apartment, Outside City Center (Monthly)

$2,090 Rp 37.7M

$1,632 NZ$2,766

28.07%

Buy Apartment in City Center (m2)

$2,729 Rp 49.3M

$4,906 NZ$8,317

-44.38%

Buy Apartment Outside City Center (m2)

$2,295 Rp 41.4M

$3,425 NZ$5,806

-32.99%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,135 NZ$5,314

-94.78%

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: July 28, 2026

Last update for Napier: July 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,020 in Ubud, Bali and $1,286 in Napier. Housing cost is often the main lever when comparing two cities.

Napier pays 1815% 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: $32.00 in Ubud, Bali vs $101 in Napier. Groceries flip the comparison at $298 vs $294, 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, salaries run 1815% lower in Napier. 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: $1,020 in Ubud, Bali versus $1,286 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 475% less than in Napier. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $297 in Ubud, Bali versus $764 in Napier. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,392 in Ubud, Bali versus $1,928 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.