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

Monthly Cost of Living

Monthly costs for one person with rent: $1,379 in Ubud, Bali versus $1,913 in Waihi.

Estimated couple costs with rent: $2,363 in Ubud, Bali versus $2,962 in Waihi.

Monthly costs for a family of three with rent: $3,347 in Ubud, Bali versus $4,010 in Waihi.

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

Both cities are pricier than the global median: Ubud, Bali 1% above, Waihi 40% above.

Meal at Budget Restaurant

$3.31 Rp 58.9K

$14.68 NZ$24.65

-77.45%

Three-Course Dinner for Two, Mid-Range

$39.08 Rp 694.5K

$72.0 NZ$121

-45.72%

Fast Food Meal (McDonalds, etc)

$5.62 Rp 99.8K

$10.04 NZ$16.86

-44.02%

Cappuccino

$2.64 Rp 46.9K

$3.63 NZ$6.10

-27.27%

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

$1.58 Rp 28.2K

$2.51 NZ$4.22

-37.05%

Water (0.33 liter bottle)

$0.71 Rp 12.6K

$2.13 NZ$3.58

-66.67%

Local Beer (0.5 liter draught)

$2.73 Rp 48.5K

$6.72 NZ$11.28

-59.38%

Imported Beer (0.33 liter bottle)

$4.32 Rp 76.8K

$6.45 NZ$10.83

-33.02%

Milk (1 liter)

$1.54 Rp 27.4K

$1.79 NZ$3.01

-13.97%

White Bread (500g)

$2.30 Rp 40.8K

$1.66 NZ$2.79

38.55%

Rice (white) (1kg)

$1.03 Rp 18.3K

$1.61 NZ$2.71

-36.02%

Eggs

$2.12 Rp 37.7K

$6.50 NZ$10.92

-67.38%

Local Cheese (1kg)

$17.30 Rp 307.5K

$9.36 NZ$15.72

84.83%

Chicken Fillets (1kg)

$4.03 Rp 71.6K

$11.31 NZ$18.99

-64.37%

Beef Round Steak (1kg)

$12.42 Rp 220.8K

$14.84 NZ$24.92

-16.31%

Apples (1kg)

$3.70 Rp 65.7K

$2.78 NZ$4.67

33.09%

Banana (1kg)

$1.62 Rp 28.7K

$2.44 NZ$4.10

-33.61%

Oranges (1kg)

$2.27 Rp 40.3K

$3.55 NZ$5.96

-36.06%

Tomato (1kg)

$1.99 Rp 35.4K

$5.66 NZ$9.51

-64.84%

Potato (1kg)

$1.83 Rp 32.5K

$2.18 NZ$3.66

-16.06%

Onion (1kg)

$2.25 Rp 40.1K

$1.70 NZ$2.85

32.35%

Lettuce (1 head)

$1.04 Rp 18.6K

$1.89 NZ$3.17

-44.97%

Water (1.5 liter bottle)

$0.56 Rp 10.0K

$1.06 NZ$1.78

-47.17%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 39.5K

$25.85 NZ$43.40

-91.41%

Wine (Bottle)

$23.22 Rp 412.7K

$8.65 NZ$14.52

168.44%

Local Beer (0.5 liter bottle)

$2.39 Rp 42.5K

$3.18 NZ$5.34

-24.84%

Imported Beer (0.33 liter bottle)

$2.87 Rp 51.1K

$2.79 NZ$4.68

2.87%

One-way Ticket (Public Transport)

$0.25 Rp 4,416

$1.62 NZ$2.72

-84.57%

Public Transport Monthly Pass (Regular Price)

$7.17 Rp 127.4K

$90.3 NZ$152

-92.06%

Taxi Start (Normal Tariff)

$0.46 Rp 8,163

$2.35 NZ$3.95

-80.43%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,235

$1.66 NZ$2.79

-72.29%

Taxi 1hour Waiting (Normal Tariff)

$5.70 Rp 101.2K

$28.23 NZ$47.40

-79.81%

Gasoline (1 liter)

$0.76 Rp 13.6K

$1.98 NZ$3.32

-61.62%

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

$24.6K Rp 436.7M

$25.9K NZ$43.5K

-5.17%

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

$31.0K Rp 551.5M

$24.3K NZ$40.9K

27.48%

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

$82.2 Rp 1.5M

$113 NZ$190

-27.24%

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

$6.33 Rp 112.5K

$26.79 NZ$44.99

-76.37%

Internet (50+ Mbps, Unlimited Data)

$18.54 Rp 329.6K

$49.85 NZ$83.7

-62.81%

Gym Membership (Monthly)

$56.1 Rp 996.2K

$38.55 NZ$64.7

45.40%

Tennis Court (1 Hour on Weekend)

$18.41 Rp 327.2K

Cinema Ticket

$4.26 Rp 75.8K

$10.39 NZ$17.46

-59.00%

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

$489 Rp 8.7M

$724 NZ$1,217

-32.47%

International Primary School, 1 Child (Yearly)

$5,793 Rp 103.0M

$12.5K NZ$21.0K

-53.64%

Jeans (Levis 501 Or Similar)

$45.98 Rp 817.3K

$72.1 NZ$121

-36.24%

Summer Dress (H&M, Zara, etc)

$35.86 Rp 637.4K

$37.15 NZ$62.4

-3.47%

Sport Shoes (Adidas, Nike)

$79.5 Rp 1.4M

$92.9 NZ$156

-14.42%

Men's Leather Business Shoes

$80.9 Rp 1.4M

$124 NZ$209

-34.96%

1-bedroom Apartment, City Center (Monthly)

$1,144 Rp 20.3M

$1,024 NZ$1,719

11.76%

1-bedroom Apartment, Outside City Center (Monthly)

$692 Rp 12.3M

$946 NZ$1,588

-26.84%

3-bedroom Apartment, City Center (Monthly)

$3,532 Rp 62.8M

$1,592 NZ$2,674

121.80%

3-bedroom Apartment, Outside City Center (Monthly)

$1,709 Rp 30.4M

$1,582 NZ$2,657

8.02%

Buy Apartment in City Center (m2)

$2,785 Rp 49.5M

$5,499 NZ$9,234

-49.36%

Buy Apartment Outside City Center (m2)

$2,261 Rp 40.2M

$3,439 NZ$5,775

-34.24%

Average Monthly Net Salary (After Tax)

$169 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.39

155.66%

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

Last update for Ubud, Bali: August 15, 2026

Last update for Waihi: August 17, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,144 in Ubud, Bali and $1,024 in Waihi. Housing cost is often the main lever when comparing two cities.

Dining out: $39.00 in Ubud, Bali vs $72.0 in Waihi for a mid-range dinner for two. Groceries echo the gap at $293 vs $336 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 Waihi: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 39% lower than in Waihi. 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 $2,069 in Ubud, Bali and $2,870 in Waihi 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: $1,144 in Ubud, Bali versus $1,024 in Waihi. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $489 in Ubud, Bali versus $724 in Waihi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 15% higher in Waihi. For households that cook at home regularly, that difference adds up over a month.

At $1,379 in Ubud, Bali versus $1,913 in Waihi, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waihi. 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 $1,379 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 Waihi 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 Waihi. Beyond cost, consider language, visa policies, and how big the international community is in each city.