Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Waihi

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,911 in Waihi, rent and utilities included – about $6,500 less a year. Other living expenses account for most of the difference.

67

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
90

Cost of Living Index in Waihi
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Waihi Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Waihi

🇳🇿 New Zealand

$1,911

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,368 in Ubud, Bali versus $1,911 in Waihi.

Ubud, Bali $1,368
Waihi $1,911

Estimated couple costs with rent: $2,314 in Ubud, Bali versus $2,937 in Waihi.

Ubud, Bali $2,314
Waihi $2,937

Monthly costs for a family of three with rent: $3,260 in Ubud, Bali versus $3,963 in Waihi.

Ubud, Bali $3,260
Waihi $3,963

Living in Ubud, Bali costs roughly 28% less than in Waihi, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Ubud, Bali 1% above, Waihi 42% above.

Meal at Budget Restaurant

$3.33 Rp 59.9K

$12.00 NZ$21.22

-72.25%

Three-Course Dinner for Two, Mid-Range

$35.18 Rp 633.2K

$59.7 NZ$105

-41.02%

Fast Food Meal (McDonalds, etc)

$5.80 Rp 104.5K

$8.35 NZ$14.77

-30.54%

Cappuccino

$2.73 Rp 49.1K

$3.69 NZ$6.53

-26.02%

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

$1.64 Rp 29.5K

$2.22 NZ$3.92

-26.13%

Water (0.33 liter bottle)

$0.83 Rp 15.0K

$2.04 NZ$3.61

-59.31%

Local Beer (0.5 liter draught)

$2.70 Rp 48.6K

$5.72 NZ$10.12

-52.80%

Imported Beer (0.33 liter bottle)

$4.30 Rp 77.4K

$6.49 NZ$11.47

-33.74%

Milk (1 liter)

$1.50 Rp 27.1K

$1.93 NZ$3.41

-22.28%

White Bread (500g)

$2.30 Rp 41.4K

$1.78 NZ$3.16

29.21%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.62 NZ$2.86

-27.16%

Eggs

$2.14 Rp 38.6K

$5.12 NZ$9.06

-58.20%

Local Cheese (1kg)

$17.48 Rp 314.6K

$9.35 NZ$16.53

86.95%

Chicken Fillets (1kg)

$4.03 Rp 72.5K

$8.53 NZ$15.09

-52.75%

Beef Round Steak (1kg)

$12.23 Rp 220.1K

$12.78 NZ$22.60

-4.30%

Apples (1kg)

$3.55 Rp 63.9K

$2.80 NZ$4.95

26.79%

Banana (1kg)

$1.57 Rp 28.3K

$2.25 NZ$3.98

-30.22%

Oranges (1kg)

$2.24 Rp 40.2K

$3.16 NZ$5.59

-29.11%

Tomato (1kg)

$1.93 Rp 34.7K

$5.86 NZ$10.36

-67.06%

Potato (1kg)

$1.88 Rp 33.9K

$1.97 NZ$3.49

-4.57%

Onion (1kg)

$2.29 Rp 41.3K

$1.58 NZ$2.79

44.94%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.32 NZ$4.10

-57.33%

Water (1.5 liter bottle)

$0.53 Rp 9,475

$1.12 NZ$1.97

-52.68%

Cigarettes 20 Pack (Marlboro, Camel)

$2.28 Rp 41.1K

$22.08 NZ$39.04

-89.67%

Wine (Bottle)

$23.01 Rp 414.2K

$9.83 NZ$17.38

134.08%

Local Beer (0.5 liter bottle)

$2.34 Rp 42.2K

$3.03 NZ$5.35

-22.77%

Imported Beer (0.33 liter bottle)

$2.91 Rp 52.4K

$3.14 NZ$5.55

-7.32%

One-way Ticket (Public Transport)

$0.24 Rp 4,315

$1.93 NZ$3.41

-87.56%

Public Transport Monthly Pass (Regular Price)

$8.82 Rp 158.7K

$85.1 NZ$151

-89.64%

Taxi Start (Normal Tariff)

$0.48 Rp 8,684

$1.96 NZ$3.47

-75.51%

Taxi (Normal Tariff) (1km)

$0.46 Rp 8,233

$1.99 NZ$3.53

-76.88%

Taxi 1hour Waiting (Normal Tariff)

$5.45 Rp 98.2K

$27.15 NZ$48.02

-79.93%

Gasoline (1 liter)

$0.88 Rp 15.9K

$1.72 NZ$3.04

-48.84%

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

$24.6K Rp 442.2M

$21.9K NZ$38.7K

12.18%

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

$31.2K Rp 561.4M

$19.8K NZ$35.0K

57.57%

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

$83.0 Rp 1.5M

$117 NZ$206

-28.83%

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

$6.45 Rp 116.0K

$31.18 NZ$55.1

-79.31%

Internet (50+ Mbps, Unlimited Data)

$18.57 Rp 334.2K

$56.0 NZ$99.1

-66.85%

Gym Membership (Monthly)

$55.8 Rp 1.0M

$35.97 NZ$63.6

55.18%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$4.38 Rp 78.9K

$11.32 NZ$20.02

-61.31%

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

$493 Rp 8.9M

$647 NZ$1,144

-23.78%

International Primary School, 1 Child (Yearly)

$5,754 Rp 103.6M

$16.8K NZ$29.6K

-65.66%

Jeans (Levis 501 Or Similar)

$46.19 Rp 831.4K

$56.9 NZ$101

-18.88%

Summer Dress (H&M, Zara, etc)

$35.33 Rp 636.0K

$38.94 NZ$68.9

-9.27%

Sport Shoes (Adidas, Nike)

$79.1 Rp 1.4M

$106 NZ$187

-25.09%

Men's Leather Business Shoes

$78.4 Rp 1.4M

$108 NZ$190

-27.13%

1-bedroom Apartment, City Center (Monthly)

$1,142 Rp 20.6M

$1,031 NZ$1,823

10.80%

1-bedroom Apartment, Outside City Center (Monthly)

$676 Rp 12.2M

$865 NZ$1,530

-21.88%

3-bedroom Apartment, City Center (Monthly)

$3,503 Rp 63.1M

$1,621 NZ$2,867

116.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,700 Rp 30.6M

$1,616 NZ$2,858

5.20%

Buy Apartment in City Center (m2)

$2,784 Rp 50.1M

$4,404 NZ$7,789

-36.79%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,353 NZ$5,929

-33.17%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.57

147.40%

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

Last update for Ubud, Bali: October 11, 2026

Last update for Waihi: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$676 49.4%

Waihi

$865 45.3% 28% $189

Groceries & Markets

Ubud, Bali

$290 21.2%

Waihi

$315 16.5% 8.6% $25

Eating Out

Ubud, Bali

$109 8%

Waihi

$224 11.7% 106% $115

Monthly Utilities & Internet

Ubud, Bali

$108 7.9%

Waihi

$204 10.7% 88.7% $96

Clothing & Footwear

Ubud, Bali

$108 7.9%

Waihi

$139 7.3% 29.3% $32

Sport & Entertainment

Ubud, Bali

$65 4.7%

Waihi

$59 3.1% 9.2% $6

Getting Around

Ubud, Bali

$13 0.9%

Waihi

$105 5.5% 735% $92

Cost Breakdown

A one-bedroom apartment in the center runs $1,142 in Ubud, Bali and $1,031 in Waihi. Housing cost is often the main lever when comparing two cities.

Dining out: $35.00 in Ubud, Bali vs $60.0 in Waihi for a mid-range dinner for two. Groceries echo the gap at $290 vs $315 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Waihi

🕒 Local time

06:01 6:01 AM

11:01 11:01 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

4,700

💱 Currency

Indonesian Rupiah IDR Rp

New Zealand Dollar NZD $

📈 Exchange rate

100,000 IDR = 5.56 USD

100,000 IDR = 4.94 EUR

1 NZD = 0.565 USD

1 NZD = 0.503 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 October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

New Zealand Dollar exchange rates as of October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

USD to IDR in detail →

On the map

Lowest

Highest

Between locations

Ubud, Bali Waihi 6,850 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Waihi

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 Waihi: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 40% 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 $2,051 in Ubud, Bali and $2,866 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: $1,142 in Ubud, Bali versus $1,031 in Waihi. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $647 in Waihi. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Waihi. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,911 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 $1,368 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 40% less than in Waihi. Beyond cost, consider language, visa policies, and how big the international community is in each city.