Cost of Living Comparison Between Ubud, Bali and Upper Hutt Cost of Living Comparison Between Ubud, Bali and Upper Hutt

Monthly Cost of Living

Monthly costs for one person with rent: $1,394 in Ubud, Bali versus $1,943 in Upper Hutt.

Estimated couple costs with rent: $2,551 in Ubud, Bali versus $3,005 in Upper Hutt.

Monthly costs for a family of three with rent: $3,708 in Ubud, Bali versus $4,066 in Upper Hutt.

Living in Ubud, Bali costs roughly 28% less than in Upper Hutt, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Upper Hutt 46% above.

Meal at Budget Restaurant

$3.40 Rp 60.2K

$17.35 NZ$29.75

-80.40%

Three-Course Dinner for Two, Mid-Range

$32.38 Rp 573.6K

$86.0 NZ$147

-62.35%

Fast Food Meal (McDonalds, etc)

$5.00 Rp 88.6K

$9.46 NZ$16.22

-47.15%

Cappuccino

$2.82 Rp 50.0K

$3.61 NZ$6.19

-21.88%

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

$1.38 Rp 24.4K

$2.34 NZ$4.01

-41.03%

Water (0.33 liter bottle)

$0.73 Rp 13.0K

$2.21 NZ$3.79

-66.97%

Local Beer (0.5 liter draught)

$2.98 Rp 52.8K

$7.22 NZ$12.38

-58.73%

Imported Beer (0.33 liter bottle)

$3.97 Rp 70.3K

$6.25 NZ$10.72

-36.48%

Milk (1 liter)

$1.79 Rp 31.8K

$1.75 NZ$3.00

2.29%

White Bread (500g)

$2.46 Rp 43.7K

$2.04 NZ$3.49

20.59%

Rice (white) (1kg)

$1.20 Rp 21.2K

$1.84 NZ$3.15

-34.78%

Eggs

$2.39 Rp 42.3K

$6.02 NZ$10.32

-60.30%

Local Cheese (1kg)

$14.40 Rp 255.1K

$8.11 NZ$13.90

77.56%

Chicken Fillets (1kg)

$4.28 Rp 75.9K

$9.29 NZ$15.92

-53.93%

Beef Round Steak (1kg)

$11.82 Rp 209.4K

$12.30 NZ$21.09

-3.90%

Apples (1kg)

$3.78 Rp 67.0K

$2.51 NZ$4.31

50.60%

Banana (1kg)

$1.63 Rp 28.9K

$1.84 NZ$3.15

-11.41%

Oranges (1kg)

$2.80 Rp 49.6K

$2.44 NZ$4.19

14.75%

Tomato (1kg)

$2.26 Rp 40.0K

$3.30 NZ$5.66

-31.52%

Potato (1kg)

$2.00 Rp 35.3K

$1.98 NZ$3.39

1.01%

Onion (1kg)

$2.21 Rp 39.2K

$1.60 NZ$2.74

38.12%

Lettuce (1 head)

$1.07 Rp 18.9K

$2.13 NZ$3.64

-49.77%

Water (1.5 liter bottle)

$0.76 Rp 13.5K

$1.30 NZ$2.22

-41.54%

Cigarettes 20 Pack (Marlboro, Camel)

$3.13 Rp 55.4K

$20.04 NZ$34.36

-84.38%

Wine (Bottle)

$23.81 Rp 421.9K

$11.73 NZ$20.11

102.98%

Local Beer (0.5 liter bottle)

$2.84 Rp 50.3K

$2.49 NZ$4.27

14.06%

Imported Beer (0.33 liter bottle)

$2.78 Rp 49.2K

$2.58 NZ$4.43

7.75%

One-way Ticket (Public Transport)

$0.27 Rp 4,726

$2.16 NZ$3.70

-87.50%

Public Transport Monthly Pass (Regular Price)

$8.37 Rp 148.2K

$63.7 NZ$109

-86.86%

Taxi Start (Normal Tariff)

$0.45 Rp 8,034

$2.65 NZ$4.54

-83.02%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,578

$1.78 NZ$3.05

-75.84%

Taxi 1hour Waiting (Normal Tariff)

$5.98 Rp 105.9K

$48.62 NZ$83.4

-87.70%

Gasoline (1 liter)

$0.80 Rp 14.2K

$1.70 NZ$2.92

-52.94%

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

$25.8K Rp 457.2M

$26.9K NZ$46.2K

-4.16%

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

$31.8K Rp 563.4M

$23.2K NZ$39.7K

37.31%

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

$80.7 Rp 1.4M

$160 NZ$274

-49.46%

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

$4.14 Rp 73.3K

$32.51 NZ$55.7

-87.27%

Internet (50+ Mbps, Unlimited Data)

$24.12 Rp 427.2K

$47.18 NZ$80.9

-48.88%

Gym Membership (Monthly)

$97.8 Rp 1.7M

$37.21 NZ$63.8

162.70%

Tennis Court (1 Hour on Weekend)

$6.64 Rp 117.7K

$11.95 NZ$20.49

-44.44%

Cinema Ticket

$4.04 Rp 71.5K

$9.27 NZ$15.89

-56.42%

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

$297 Rp 5.3M

$725 NZ$1,243

-59.03%

International Primary School, 1 Child (Yearly)

$6,590 Rp 116.7M

$12.9K NZ$22.2K

-49.01%

Jeans (Levis 501 Or Similar)

$55.1 Rp 976.8K

$71.4 NZ$122

-22.74%

Summer Dress (H&M, Zara, etc)

$38.51 Rp 682.1K

$53.9 NZ$92.4

-28.57%

Sport Shoes (Adidas, Nike)

$86.1 Rp 1.5M

$104 NZ$178

-16.81%

Men's Leather Business Shoes

$78.0 Rp 1.4M

$126 NZ$216

-38.18%

1-bedroom Apartment, City Center (Monthly)

$985 Rp 17.5M

$965 NZ$1,654

2.12%

1-bedroom Apartment, Outside City Center (Monthly)

$665 Rp 11.8M

$785 NZ$1,345

-15.28%

3-bedroom Apartment, City Center (Monthly)

$3,446 Rp 61.0M

$1,572 NZ$2,696

119.16%

3-bedroom Apartment, Outside City Center (Monthly)

$2,042 Rp 36.2M

$1,400 NZ$2,401

45.83%

Buy Apartment in City Center (m2)

$2,829 Rp 50.1M

$4,502 NZ$7,719

-37.16%

Buy Apartment Outside City Center (m2)

$2,282 Rp 40.4M

$2,945 NZ$5,049

-22.49%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

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: June 14, 2026

Last update for Upper Hutt: June 15, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $985 in Ubud, Bali and $965 in Upper Hutt. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $86.0 in Upper Hutt for a mid-range dinner for two. Groceries echo the gap at $299 vs $301 per month, with Ubud, Bali cheaper across the board.

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 Upper Hutt: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 39% lower than in Upper Hutt. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

You'd need roughly $2,091 in Ubud, Bali and $2,914 in Upper Hutt to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $985 in Ubud, Bali versus $965 in Upper Hutt. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $297 in Ubud, Bali versus $725 in Upper Hutt. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 1% higher in Upper Hutt. For households that cook at home regularly, that difference adds up over a month.

At $1,394 in Ubud, Bali versus $1,943 in Upper Hutt, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Upper Hutt. The gap between the two cities makes Ubud, Bali the clear choice for anyone on this budget.

Both work as nomad bases, but Ubud, Bali delivers better value – similar infrastructure at $1,394 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Ubud, Bali and Upper Hutt 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 Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.