Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Oamaru

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,809 in Oamaru, rent and utilities included – about $5,500 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
93

Cost of Living Index in Oamaru
Learn more

Oamaru Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Oamaru

🇳🇿 New Zealand

$1,809

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,809 in Oamaru.

Ubud, Bali $1,349
Oamaru $1,809

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $2,753 in Oamaru.

Ubud, Bali $2,305
Oamaru $2,753

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $3,698 in Oamaru.

Ubud, Bali $3,261
Oamaru $3,698

Living in Ubud, Bali costs roughly 25% less than in Oamaru, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$14.46 NZ$25.67

-77.04%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$68.4 NZ$121

-47.86%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$9.20 NZ$16.33

-39.89%

Cappuccino

$2.72 Rp 49.3K

$3.35 NZ$5.94

-18.81%

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

$1.70 Rp 30.8K

$2.30 NZ$4.09

-26.09%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.78 NZ$3.15

-57.30%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$6.64 NZ$11.79

-60.09%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$6.97 NZ$12.37

-37.16%

Milk (1 liter)

$1.49 Rp 27.0K

$1.73 NZ$3.08

-13.87%

White Bread (500g)

$2.28 Rp 41.2K

$1.32 NZ$2.34

72.73%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.47 NZ$2.60

-19.05%

Eggs

$2.04 Rp 36.9K

$5.53 NZ$9.82

-63.11%

Local Cheese (1kg)

$17.70 Rp 320.8K

$7.53 NZ$13.36

135.06%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$8.85 NZ$15.72

-55.25%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$13.64 NZ$24.21

-10.63%

Apples (1kg)

$3.66 Rp 66.2K

$2.39 NZ$4.25

53.14%

Banana (1kg)

$1.52 Rp 27.5K

$2.10 NZ$3.73

-27.62%

Oranges (1kg)

$2.23 Rp 40.4K

$2.65 NZ$4.70

-15.85%

Tomato (1kg)

$1.97 Rp 35.7K

$2.91 NZ$5.17

-32.30%

Potato (1kg)

$1.85 Rp 33.5K

$1.50 NZ$2.67

23.33%

Onion (1kg)

$2.42 Rp 43.9K

$1.39 NZ$2.47

74.10%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.07 NZ$3.68

-52.17%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$0.65 NZ$1.16

-21.54%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$24.01 NZ$42.63

-90.75%

Wine (Bottle)

$22.24 Rp 403.0K

$5.66 NZ$10.05

292.93%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.42 NZ$6.08

-33.92%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$4.44 NZ$7.89

-33.11%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$2.05 NZ$3.63

-87.80%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$108 NZ$191

-92.73%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$2.58 NZ$4.58

-82.95%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.72 NZ$3.06

-75.00%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$28.67 NZ$50.9

-81.13%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.62 NZ$2.88

-49.38%

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

$23.8K Rp 432.0M

$28.8K NZ$51.2K

-17.32%

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

$31.7K Rp 575.3M

$23.7K NZ$42.1K

33.75%

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

$79.1 Rp 1.4M

$157 NZ$279

-49.67%

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

$6.45 Rp 116.8K

$20.20 NZ$35.86

-68.07%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$44.97 NZ$79.8

-58.68%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$39.17 NZ$69.6

26.32%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$10.03 NZ$17.81

-57.43%

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

$491 Rp 8.9M

$677 NZ$1,202

-27.55%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$22.4K NZ$39.7K

-74.65%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$57.6 NZ$102

-22.54%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$17.36 NZ$30.83

101.32%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$45.93 NZ$81.6

73.96%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$51.0 NZ$90.6

55.73%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,042 NZ$1,850

7.95%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$799 NZ$1,419

-16.00%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,588 NZ$2,820

124.40%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$1,426 NZ$2,531

20.86%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$4,866 NZ$8,638

-43.86%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,783 NZ$6,716

-39.62%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

$1,950 NZ$3,462

-91.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.91

133.16%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Oamaru: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Oamaru

$799 44.2% 19% $128

Groceries & Markets

Ubud, Bali

$288 21.4%

Oamaru

$277 15.3% 4.1% $12

Eating Out

Ubud, Bali

$108 8%

Oamaru

$247 13.7% 129% $139

Clothing & Footwear

Ubud, Bali

$108 8%

Oamaru

$77 4.3% 28% $30

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Oamaru

$222 12.3% 114% $118

Sport & Entertainment

Ubud, Bali

$58 4.3%

Oamaru

$59 3.3% 2.1% $1.2

Getting Around

Ubud, Bali

$11 0.9%

Oamaru

$127 7% 1011% $115

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,042 in Oamaru. Housing cost is often the main lever when comparing two cities.

Oamaru pays about 12 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $36 in Ubud, Bali vs $68 in Oamaru. Groceries flip the comparison at $288 vs $277, with Oamaru cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Oamaru

🕒 Local time

05:15 5:15 AM

10:15 10:15 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

13,850

💱 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 1, 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 1, 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 Oamaru 6,690 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Oamaru

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 Oamaru: Cost of Living - Frequently Asked Questions

Ubud, Bali is about 25% 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 92% 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 $1,042 in Oamaru. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Oamaru pay roughly 4% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Ubud, Bali – a meal for two runs $36 versus $68 in Oamaru. If you eat out regularly, this makes a real dent in your monthly spending.

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 Oamaru 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, Oamaru on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.