Cost of Living Comparison Between Ubud, Bali and Waiheke Island Cost of Living Comparison Between Ubud, Bali and Waiheke Island

Monthly Cost of Living

Monthly costs for one person with rent: $1,408 in Ubud, Bali versus $1,852 in Waiheke Island.

Estimated couple costs with rent: $2,585 in Ubud, Bali versus $2,933 in Waiheke Island.

Monthly costs for a family of three with rent: $3,763 in Ubud, Bali versus $4,014 in Waiheke Island.

Living in Ubud, Bali costs roughly 24% less than in Waiheke Island, driven mainly by Eating Out.

Both cities are pricier than the global median: Ubud, Bali 5% above, Waiheke Island 39% above.

Meal at Budget Restaurant

$3.45 Rp 62.0K

$14.94 NZ$25.58

-76.91%

Three-Course Dinner for Two, Mid-Range

$32.34 Rp 580.1K

$78.0 NZ$134

-58.53%

Fast Food Meal (McDonalds, etc)

$4.84 Rp 86.9K

$9.63 NZ$16.49

-49.74%

Cappuccino

$2.75 Rp 49.3K

$3.54 NZ$6.06

-22.32%

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

$1.38 Rp 24.8K

$2.35 NZ$4.02

-41.28%

Water (0.33 liter bottle)

$0.75 Rp 13.5K

$2.12 NZ$3.63

-64.62%

Local Beer (0.5 liter draught)

$2.99 Rp 53.7K

$7.04 NZ$12.06

-57.53%

Imported Beer (0.33 liter bottle)

$3.85 Rp 69.1K

$6.48 NZ$11.09

-40.59%

Milk (1 liter)

$1.74 Rp 31.1K

$1.89 NZ$3.23

-7.94%

White Bread (500g)

$2.46 Rp 44.1K

$1.91 NZ$3.27

28.80%

Rice (white) (1kg)

$1.17 Rp 21.0K

$1.88 NZ$3.21

-37.77%

Eggs

$2.43 Rp 43.6K

$6.25 NZ$10.70

-61.12%

Local Cheese (1kg)

$14.50 Rp 260.2K

$8.15 NZ$13.96

77.91%

Chicken Fillets (1kg)

$4.35 Rp 78.0K

$9.43 NZ$16.15

-53.87%

Beef Round Steak (1kg)

$11.98 Rp 214.9K

$12.82 NZ$21.94

-6.55%

Apples (1kg)

$3.72 Rp 66.7K

$2.76 NZ$4.73

34.78%

Banana (1kg)

$1.63 Rp 29.2K

$2.19 NZ$3.75

-25.57%

Oranges (1kg)

$2.74 Rp 49.2K

$3.00 NZ$5.14

-8.67%

Tomato (1kg)

$2.24 Rp 40.2K

$4.52 NZ$7.74

-50.44%

Potato (1kg)

$1.92 Rp 34.4K

$2.07 NZ$3.54

-7.25%

Onion (1kg)

$2.28 Rp 40.8K

$1.87 NZ$3.21

21.93%

Lettuce (1 head)

$1.06 Rp 19.1K

$2.30 NZ$3.93

-53.91%

Water (1.5 liter bottle)

$0.72 Rp 12.9K

$1.14 NZ$1.96

-36.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.29 Rp 58.9K

$24.29 NZ$41.58

-86.46%

Wine (Bottle)

$23.19 Rp 416.1K

$9.72 NZ$16.64

138.58%

Local Beer (0.5 liter bottle)

$2.78 Rp 49.8K

$2.57 NZ$4.40

8.17%

Imported Beer (0.33 liter bottle)

$2.73 Rp 49.0K

$3.61 NZ$6.18

-24.38%

One-way Ticket (Public Transport)

$0.27 Rp 4,778

$2.10 NZ$3.60

-87.14%

Public Transport Monthly Pass (Regular Price)

$8.11 Rp 145.4K

$62.9 NZ$108

-87.10%

Taxi Start (Normal Tariff)

$0.48 Rp 8,659

$2.76 NZ$4.72

-82.61%

Taxi (Normal Tariff) (1km)

$0.42 Rp 7,532

$1.85 NZ$3.17

-77.30%

Taxi 1hour Waiting (Normal Tariff)

$6.22 Rp 111.6K

$35.73 NZ$61.2

-82.59%

Gasoline (1 liter)

$0.81 Rp 14.6K

$1.64 NZ$2.81

-50.61%

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

$26.6K Rp 477.4M

$28.5K NZ$48.8K

-6.59%

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

$32.2K Rp 577.4M

$22.7K NZ$38.8K

42.09%

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

$78.4 Rp 1.4M

$146 NZ$250

-46.26%

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

$4.07 Rp 73.0K

$35.29 NZ$60.4

-88.47%

Internet (50+ Mbps, Unlimited Data)

$24.33 Rp 436.4K

$51.4 NZ$87.9

-52.63%

Gym Membership (Monthly)

$98.6 Rp 1.8M

$36.11 NZ$61.8

173.08%

Tennis Court (1 Hour on Weekend)

$6.34 Rp 113.7K

$11.98 NZ$20.51

-47.08%

Cinema Ticket

$3.99 Rp 71.5K

$10.68 NZ$18.29

-62.64%

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

$305 Rp 5.5M

$729 NZ$1,248

-58.15%

International Primary School, 1 Child (Yearly)

$6,642 Rp 119.2M

$11.9K NZ$20.3K

-43.98%

Jeans (Levis 501 Or Similar)

$54.1 Rp 971.2K

$67.7 NZ$116

-20.05%

Summer Dress (H&M, Zara, etc)

$37.81 Rp 678.2K

$37.56 NZ$64.3

0.67%

Sport Shoes (Adidas, Nike)

$86.8 Rp 1.6M

$96.7 NZ$166

-10.20%

Men's Leather Business Shoes

$76.4 Rp 1.4M

$115 NZ$197

-33.50%

1-bedroom Apartment, City Center (Monthly)

$992 Rp 17.8M

$972 NZ$1,665

2.01%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$797 NZ$1,364

-15.54%

3-bedroom Apartment, City Center (Monthly)

$3,375 Rp 60.5M

$1,563 NZ$2,676

115.92%

3-bedroom Apartment, Outside City Center (Monthly)

$2,050 Rp 36.8M

$1,405 NZ$2,406

45.88%

Buy Apartment in City Center (m2)

$2,805 Rp 50.3M

$5,291 NZ$9,058

-46.99%

Buy Apartment Outside City Center (m2)

$2,227 Rp 39.9M

$3,804 NZ$6,513

-41.45%

Average Monthly Net Salary (After Tax)

$167 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.28

6.74

97.03%

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

Last update for Ubud, Bali: July 11, 2026

Last update for Waiheke Island: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $992 in Ubud, Bali and $972 in Waiheke Island. Housing cost is often the main lever when comparing two cities.

Dining out: $32.00 in Ubud, Bali vs $78.0 in Waiheke Island for a mid-range dinner for two. Groceries echo the gap at $297 vs $314 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 Waiheke Island: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 32% lower than in Waiheke Island. 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 $2,112 in Ubud, Bali and $2,777 in Waiheke Island 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: $992 in Ubud, Bali versus $972 in Waiheke Island. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $305 in Ubud, Bali versus $729 in Waiheke Island. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Waiheke Island. For households that cook at home regularly, that difference adds up over a month.

At $1,408 in Ubud, Bali versus $1,852 in Waiheke Island, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waiheke Island. 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 $1,408 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 Waiheke Island 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 32% less than in Waiheke Island. Beyond cost, consider language, visa policies, and how big the international community is in each city.