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

Monthly Cost of Living

Monthly costs for one person with rent: $1,419 in Ubud, Bali versus $1,784 in Oamaru.

Estimated couple costs with rent: $2,540 in Ubud, Bali versus $2,778 in Oamaru.

Monthly costs for a family of three with rent: $3,660 in Ubud, Bali versus $3,773 in Oamaru.

Living in Ubud, Bali costs roughly 20% less than in Oamaru, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 6% above, Oamaru 33% above.

Meal at Budget Restaurant

$3.56 Rp 63.9K

$17.15 NZ$29.20

-79.24%

Three-Course Dinner for Two, Mid-Range

$32.73 Rp 586.8K

$73.2 NZ$125

-55.26%

Fast Food Meal (McDonalds, etc)

$4.95 Rp 88.7K

$9.53 NZ$16.23

-48.06%

Cappuccino

$2.71 Rp 48.6K

$3.49 NZ$5.94

-22.35%

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

$1.34 Rp 24.1K

$2.35 NZ$4.01

-42.98%

Water (0.33 liter bottle)

$0.70 Rp 12.5K

$2.05 NZ$3.50

-65.85%

Local Beer (0.5 liter draught)

$2.92 Rp 52.3K

$7.35 NZ$12.51

-60.27%

Imported Beer (0.33 liter bottle)

$3.96 Rp 70.9K

$7.42 NZ$12.64

-46.63%

Milk (1 liter)

$1.81 Rp 32.4K

$1.76 NZ$2.99

2.84%

White Bread (500g)

$2.52 Rp 45.1K

$1.10 NZ$1.87

129.09%

Rice (white) (1kg)

$1.16 Rp 20.8K

$1.19 NZ$2.02

-2.52%

Eggs

$2.46 Rp 44.1K

$3.75 NZ$6.38

-34.40%

Local Cheese (1kg)

$14.71 Rp 263.7K

$8.11 NZ$13.82

81.38%

Chicken Fillets (1kg)

$4.32 Rp 77.4K

$9.57 NZ$16.30

-54.86%

Beef Round Steak (1kg)

$12.14 Rp 217.5K

$13.16 NZ$22.41

-7.75%

Apples (1kg)

$3.84 Rp 68.8K

$2.39 NZ$4.07

60.67%

Banana (1kg)

$1.56 Rp 27.9K

$1.86 NZ$3.17

-16.13%

Oranges (1kg)

$2.83 Rp 50.8K

$3.04 NZ$5.17

-6.91%

Tomato (1kg)

$2.33 Rp 41.7K

$5.85 NZ$9.95

-60.17%

Potato (1kg)

$1.91 Rp 34.3K

$1.47 NZ$2.50

29.93%

Onion (1kg)

$2.20 Rp 39.5K

$1.23 NZ$2.09

78.86%

Lettuce (1 head)

$1.01 Rp 18.2K

$1.82 NZ$3.10

-44.51%

Water (1.5 liter bottle)

$0.78 Rp 13.9K

$1.42 NZ$2.42

-45.07%

Cigarettes 20 Pack (Marlboro, Camel)

$3.32 Rp 59.4K

$24.55 NZ$41.81

-86.48%

Wine (Bottle)

$23.74 Rp 425.5K

$6.09 NZ$10.38

289.82%

Local Beer (0.5 liter bottle)

$2.79 Rp 50.0K

$3.79 NZ$6.45

-26.39%

Imported Beer (0.33 liter bottle)

$2.86 Rp 51.3K

$4.79 NZ$8.15

-40.29%

One-way Ticket (Public Transport)

$0.27 Rp 4,819

$2.14 NZ$3.64

-87.38%

Public Transport Monthly Pass (Regular Price)

$8.03 Rp 143.9K

$65.1 NZ$111

-87.66%

Taxi Start (Normal Tariff)

$0.46 Rp 8,181

$2.67 NZ$4.55

-82.77%

Taxi (Normal Tariff) (1km)

$0.45 Rp 8,068

$1.73 NZ$2.94

-73.99%

Taxi 1hour Waiting (Normal Tariff)

$6.10 Rp 109.3K

$30.23 NZ$51.5

-79.82%

Gasoline (1 liter)

$0.79 Rp 14.2K

$1.71 NZ$2.90

-53.80%

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

$26.1K Rp 468.8M

$27.3K NZ$46.5K

-4.28%

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

$32.1K Rp 575.8M

$19.8K NZ$33.6K

62.57%

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

$79.9 Rp 1.4M

$118 NZ$200

-32.05%

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

$4.06 Rp 72.9K

$17.82 NZ$30.35

-77.22%

Internet (50+ Mbps, Unlimited Data)

$23.52 Rp 421.6K

$48.72 NZ$83.0

-51.72%

Gym Membership (Monthly)

$98.7 Rp 1.8M

$36.84 NZ$62.7

167.92%

Tennis Court (1 Hour on Weekend)

$6.63 Rp 118.8K

$12.11 NZ$20.62

-45.25%

Cinema Ticket

$4.15 Rp 74.3K

$10.96 NZ$18.66

-62.14%

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

$304 Rp 5.4M

$628 NZ$1,070

-51.62%

International Primary School, 1 Child (Yearly)

$6,613 Rp 118.5M

$9,434 NZ$16.1K

-29.90%

Jeans (Levis 501 Or Similar)

$55.5 Rp 995.6K

$59.2 NZ$101

-6.18%

Summer Dress (H&M, Zara, etc)

$38.31 Rp 686.7K

$17.73 NZ$30.19

116.07%

Sport Shoes (Adidas, Nike)

$88.6 Rp 1.6M

$48.83 NZ$83.2

81.45%

Men's Leather Business Shoes

$77.9 Rp 1.4M

$53.6 NZ$91.2

45.39%

1-bedroom Apartment, City Center (Monthly)

$1,006 Rp 18.0M

$965 NZ$1,644

4.28%

1-bedroom Apartment, Outside City Center (Monthly)

$675 Rp 12.1M

$777 NZ$1,323

-13.06%

3-bedroom Apartment, City Center (Monthly)

$3,442 Rp 61.7M

$1,599 NZ$2,724

115.19%

3-bedroom Apartment, Outside City Center (Monthly)

$2,039 Rp 36.6M

$1,405 NZ$2,394

45.11%

Buy Apartment in City Center (m2)

$2,841 Rp 50.9M

$4,604 NZ$7,841

-38.29%

Buy Apartment Outside City Center (m2)

$2,264 Rp 40.6M

$3,643 NZ$6,203

-37.85%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

$2,072 NZ$3,528

-92.02%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

121.33%

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

Last update for Ubud, Bali: June 1, 2026

Last update for Oamaru: May 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,006 in Ubud, Bali and $965 in Oamaru. Housing cost is often the main lever when comparing two cities.

Oamaru pays 1154% 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 $73.0 in Oamaru. Groceries flip the comparison at $302 vs $296, with Oamaru 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 Oamaru: Cost of Living - Frequently Asked Questions

Ubud, Bali is cheaper overall, especially in Eating Out, Monthly Utilities & Internet, Getting Around. The 26% gap adds up to real monthly savings that compound significantly over time.

On paper, Oamaru earns 1154% 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: $1,006 in Ubud, Bali versus $965 in Oamaru. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Oamaru pay roughly 2% 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 $33.00 versus $73.0 in Oamaru. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,419 in Ubud, Bali versus $1,784 in Oamaru, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Oamaru. 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 Oamaru, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Ubud, Bali and Oamaru 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 26% less than in Oamaru. Beyond cost, consider language, visa policies, and how big the international community is in each city.