Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Napier

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $2,251 in Napier, rent and utilities included – about $10,800 less a year. Rent and utilities account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
108

Cost of Living Index in Napier
Learn more

Napier Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Napier

🇳🇿 New Zealand

$2,251

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $2,251 in Napier.

Ubud, Bali $1,349
Napier $2,251

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,239 in Napier.

Ubud, Bali $2,305
Napier $3,239

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,227 in Napier.

Ubud, Bali $3,261
Napier $4,227

Living in Ubud, Bali costs roughly 40% less than in Napier, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.3K

$18.60 NZ$33.09

-82.15%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 646.7K

$95.3 NZ$170

-62.61%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.4K

$9.50 NZ$16.90

-41.79%

Cappuccino

$2.72 Rp 49.3K

$3.45 NZ$6.15

-21.16%

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

$1.70 Rp 30.9K

$2.27 NZ$4.03

-25.11%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$2.32 NZ$4.12

-67.24%

Local Beer (0.5 liter draught)

$2.65 Rp 48.2K

$6.67 NZ$11.87

-60.27%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.5K

$5.74 NZ$10.22

-23.69%

Milk (1 liter)

$1.49 Rp 27.1K

$1.63 NZ$2.91

-8.59%

White Bread (500g)

$2.28 Rp 41.3K

$1.51 NZ$2.68

50.99%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.48 NZ$2.64

-19.59%

Eggs

$2.04 Rp 36.9K

$5.65 NZ$10.04

-63.89%

Local Cheese (1kg)

$17.70 Rp 321.2K

$7.52 NZ$13.37

135.37%

Chicken Fillets (1kg)

$3.96 Rp 71.9K

$8.58 NZ$15.26

-53.85%

Beef Round Steak (1kg)

$12.19 Rp 221.2K

$12.76 NZ$22.70

-4.47%

Apples (1kg)

$3.66 Rp 66.3K

$2.29 NZ$4.08

59.83%

Banana (1kg)

$1.52 Rp 27.5K

$1.67 NZ$2.98

-8.98%

Oranges (1kg)

$2.23 Rp 40.4K

$3.13 NZ$5.56

-28.75%

Tomato (1kg)

$1.97 Rp 35.8K

$2.88 NZ$5.13

-31.60%

Potato (1kg)

$1.85 Rp 33.5K

$1.79 NZ$3.18

3.35%

Onion (1kg)

$2.42 Rp 44.0K

$2.59 NZ$4.60

-6.56%

Lettuce (1 head)

$0.99 Rp 18.0K

$1.86 NZ$3.31

-46.77%

Water (1.5 liter bottle)

$0.51 Rp 9,316

$1.18 NZ$2.10

-56.78%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$20.68 NZ$36.78

-89.26%

Wine (Bottle)

$22.24 Rp 403.6K

$8.47 NZ$15.07

162.57%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.55 NZ$4.54

-11.37%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.9K

$2.44 NZ$4.34

21.72%

One-way Ticket (Public Transport)

$0.25 Rp 4,555

$1.97 NZ$3.50

-87.31%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 142.0K

$104 NZ$185

-92.47%

Taxi Start (Normal Tariff)

$0.44 Rp 7,975

$2.30 NZ$4.10

-80.87%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,804

$1.84 NZ$3.28

-76.63%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.2K

$30.23 NZ$53.8

-82.10%

Gasoline (1 liter)

$0.82 Rp 15.0K

$1.54 NZ$2.74

-46.75%

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

$23.8K Rp 432.6M

$25.9K NZ$46.1K

-7.91%

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

$31.7K Rp 576.1M

$23.9K NZ$42.4K

33.08%

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

$79.1 Rp 1.4M

$185 NZ$329

-57.28%

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

$6.45 Rp 117.0K

$35.28 NZ$62.8

-81.72%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 337.1K

$48.81 NZ$86.8

-61.93%

Gym Membership (Monthly)

$49.48 Rp 897.9K

$34.62 NZ$61.6

42.92%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.2K

$10.85 NZ$19.30

62.67%

Cinema Ticket

$4.27 Rp 77.6K

$8.68 NZ$15.44

-50.81%

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

$491 Rp 8.9M

$690 NZ$1,228

-28.95%

International Primary School, 1 Child (Yearly)

$5,674 Rp 103.0M

$16.8K NZ$29.9K

-66.22%

Jeans (Levis 501 Or Similar)

$44.64 Rp 810.0K

$107 NZ$190

-58.26%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 634.2K

$35.09 NZ$62.4

-0.40%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$104 NZ$186

-23.41%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$121 NZ$216

-34.62%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,193 NZ$2,123

-5.75%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$1,080 NZ$1,921

-37.81%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.7M

$1,707 NZ$3,037

108.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.3M

$1,491 NZ$2,653

15.56%

Buy Apartment in City Center (m2)

$2,732 Rp 49.6M

$4,873 NZ$8,668

-43.94%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,334 NZ$5,930

-31.49%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$3,110 NZ$5,532

-94.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

6.54

110.70%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Napier: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Napier

$1.1K 48% 60.8% $408

Groceries & Markets

Ubud, Bali

$288 21.4%

Napier

$279 12.4% 3.3% $9.6

Eating Out

Ubud, Bali

$108 8%

Napier

$282 12.5% 162% $174

Clothing & Footwear

Ubud, Bali

$108 8%

Napier

$166 7.4% 54% $58

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Napier

$269 12% 159% $165

Sport & Entertainment

Ubud, Bali

$58 4.3%

Napier

$52 2.3% 10.4% $6.1

Getting Around

Ubud, Bali

$11 0.9%

Napier

$123 5.5% 979% $112

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,193 in Napier. Housing cost is often the main lever when comparing two cities.

Napier pays about 19 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $95 in Napier. Groceries flip the comparison at $288 vs $279, with Napier cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Napier

🕒 Local time

22:29 10:29 PM

03:29 3:29 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

65,000

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.51 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.562 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 = 18,145 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,249 IDR (100,000 IDR = 4.94 EUR).

New Zealand Dollar exchange rates as of November 2, 2026: 1 USD = 1.78 NZD (1 NZD = 0.562 USD). 1 EUR = 1.99 NZD (1 NZD = 0.504 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Napier 6,990 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Napier

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 Napier: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 40% cheaper overall, especially in eating out, transport, and utilities. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 95% 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.

Rent for a central apartment: $1,125 in Ubud, Bali versus $1,193 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 92% less than in Napier. The price difference matters if you commute daily and watch your budget.

Childcare runs $491 in Ubud, Bali versus $690 in Napier. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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

It comes down to priorities – Ubud, Bali wins on affordability, Napier on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.