Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Paihia

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,992 in Paihia, rent and utilities included – about $7,700 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
Learn more

Ubud, Bali Living Index
102

Cost of Living Index in Paihia
Learn more

Paihia Living Index

Jump to prices

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Paihia

🇳🇿 New Zealand

$1,992

/mo nomad

Monthly Cost of Living

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

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

A single person spends $1,349 per month in Ubud, Bali vs $1,992 in Paihia, rent included.

Ubud, Bali $1,349
Paihia $1,992

A couple spends around $2,305 per month in Ubud, Bali vs $3,026 in Paihia, rent included.

Ubud, Bali $2,305
Paihia $3,026

A family of three spends $3,261 per month in Ubud, Bali vs $4,061 in Paihia, rent included.

Ubud, Bali $3,261
Paihia $4,061

Ubud, Bali is about 32% cheaper than Paihia, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$14.21 NZ$25.24

-76.64%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$33.59 NZ$59.6

6.10%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.73 NZ$15.50

-36.66%

Cappuccino

$2.72 Rp 49.3K

$3.51 NZ$6.24

-22.51%

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

$1.70 Rp 30.8K

$1.98 NZ$3.51

-14.14%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.82 NZ$3.23

-58.24%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$6.69 NZ$11.88

-60.39%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$6.94 NZ$12.33

-36.89%

Milk (1 liter)

$1.49 Rp 27.0K

$2.01 NZ$3.56

-25.87%

White Bread (500g)

$2.28 Rp 41.2K

$2.27 NZ$4.03

0.44%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.89 NZ$3.36

-37.04%

Eggs

$2.04 Rp 36.9K

$6.39 NZ$11.35

-68.08%

Local Cheese (1kg)

$17.70 Rp 320.8K

$8.79 NZ$15.60

101.37%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$10.20 NZ$18.11

-61.18%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$17.11 NZ$30.37

-28.76%

Apples (1kg)

$3.66 Rp 66.2K

$2.92 NZ$5.19

25.34%

Banana (1kg)

$1.52 Rp 27.5K

$2.07 NZ$3.67

-26.57%

Oranges (1kg)

$2.23 Rp 40.4K

$3.03 NZ$5.37

-26.40%

Tomato (1kg)

$1.97 Rp 35.7K

$5.76 NZ$10.23

-65.80%

Potato (1kg)

$1.85 Rp 33.5K

$2.11 NZ$3.75

-12.32%

Onion (1kg)

$2.42 Rp 43.9K

$1.54 NZ$2.73

57.14%

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

$1.09 NZ$1.94

-53.21%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$28.05 NZ$49.80

-92.09%

Wine (Bottle)

$22.24 Rp 403.0K

$10.27 NZ$18.23

116.55%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$2.79 NZ$4.95

-19.00%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$3.35 NZ$5.94

-11.34%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$2.11 NZ$3.75

-88.15%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$106 NZ$188

-92.61%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$1.71 NZ$3.04

-74.27%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$2.00 NZ$3.55

-78.50%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$32.17 NZ$57.1

-83.18%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.90 NZ$3.38

-56.84%

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

$23.8K Rp 432.0M

$27.4K NZ$48.7K

-13.07%

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

$31.7K Rp 575.3M

$21.8K NZ$38.8K

45.44%

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

$79.1 Rp 1.4M

$186 NZ$330

-57.42%

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

$6.45 Rp 116.8K

$27.00 NZ$47.94

-76.11%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$51.8 NZ$91.9

-64.10%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$42.96 NZ$76.3

15.18%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$12.32 NZ$21.87

-65.34%

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

$491 Rp 8.9M

$1,087 NZ$1,930

-54.87%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$19.8K NZ$35.1K

-71.31%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$79.5 NZ$141

-43.88%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$41.10 NZ$73.0

-14.96%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$94.2 NZ$167

-15.17%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$110 NZ$196

-28.05%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,015 NZ$1,801

10.86%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$798 NZ$1,418

-15.90%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,691 NZ$3,001

110.85%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$1,591 NZ$2,824

8.35%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$4,841 NZ$8,594

-43.57%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,767 NZ$6,689

-39.37%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.37

156.61%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Paihia: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Paihia

$798 40.1% 18.9% $127

Groceries & Markets

Ubud, Bali

$288 21.4%

Paihia

$345 17.3% 19.4% $56

Eating Out

Ubud, Bali

$108 8%

Paihia

$245 12.3% 127% $137

Clothing & Footwear

Ubud, Bali

$108 8%

Paihia

$146 7.4% 36.1% $39

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Paihia

$264 13.3% 154% $160

Sport & Entertainment

Ubud, Bali

$58 4.3%

Paihia

$68 3.4% 16.5% $9.6

Getting Around

Ubud, Bali

$11 0.9%

Paihia

$126 6.3% 1003% $115

Cost Breakdown

A central one-bedroom costs $1,125 in Ubud, Bali versus $1,015 in Paihia. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $36 in Ubud, Bali versus $34 in Paihia. Groceries tell a different story – $288 in Ubud, Bali vs $345 in Paihia – so Ubud, Bali wins on supermarket bills even if dining out costs more.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Paihia

🕒 Local time

07:16 7:16 AM

12:16 12:16 PM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

1,800

💱 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 Paihia 6,650 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Paihia

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 Paihia: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,349 in Ubud, Bali, $1,992 in Paihia – Ubud, Bali comes out roughly 32% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $2,023 per month in Ubud, Bali and $2,988 in Paihia. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Paihia, especially for central apartments: a one-bedroom in the center costs $1,015 there versus $1,125 in Ubud, Bali.

Groceries cost about 19% more in Paihia, though the gap depends on what you buy.

A mid-range dinner for two costs $36 in Ubud, Bali and $34 in Paihia. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,349 in Ubud, Bali and $1,992 in Paihia. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Ubud, Bali has an edge in some lifestyle areas, with costs from $1,349 in Ubud, Bali to $1,992 in Paihia. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.