Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Wairoa

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,974 in Wairoa, rent and utilities included – about $7,500 less a year. Other living expenses account for most of the difference.

65

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
96

Cost of Living Index in Wairoa
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Wairoa Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Wairoa

🇳🇿 New Zealand

$1,974

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,349 in Ubud, Bali versus $1,974 in Wairoa.

Ubud, Bali $1,349
Wairoa $1,974

Estimated couple costs with rent: $2,305 in Ubud, Bali versus $3,023 in Wairoa.

Ubud, Bali $2,305
Wairoa $3,023

Monthly costs for a family of three with rent: $3,261 in Ubud, Bali versus $4,072 in Wairoa.

Ubud, Bali $3,261
Wairoa $4,072

Living in Ubud, Bali costs roughly 32% less than in Wairoa, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$3.32 Rp 60.2K

$15.18 NZ$26.94

-78.13%

Three-Course Dinner for Two, Mid-Range

$35.64 Rp 645.8K

$73.9 NZ$131

-51.74%

Fast Food Meal (McDonalds, etc)

$5.53 Rp 100.3K

$8.86 NZ$15.74

-37.58%

Cappuccino

$2.72 Rp 49.3K

$3.53 NZ$6.26

-22.95%

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

$1.70 Rp 30.8K

$2.31 NZ$4.11

-26.41%

Water (0.33 liter bottle)

$0.76 Rp 13.8K

$1.79 NZ$3.18

-57.54%

Local Beer (0.5 liter draught)

$2.65 Rp 48.1K

$6.35 NZ$11.27

-58.27%

Imported Beer (0.33 liter bottle)

$4.38 Rp 79.4K

$5.65 NZ$10.04

-22.48%

Milk (1 liter)

$1.49 Rp 27.0K

$1.61 NZ$2.86

-7.45%

White Bread (500g)

$2.28 Rp 41.2K

$1.86 NZ$3.31

22.58%

Rice (white) (1kg)

$1.19 Rp 21.6K

$1.67 NZ$2.97

-28.74%

Eggs

$2.04 Rp 36.9K

$4.99 NZ$8.86

-59.12%

Local Cheese (1kg)

$17.70 Rp 320.8K

$7.37 NZ$13.09

140.16%

Chicken Fillets (1kg)

$3.96 Rp 71.8K

$9.35 NZ$16.60

-57.65%

Beef Round Steak (1kg)

$12.19 Rp 220.9K

$16.53 NZ$29.34

-26.26%

Apples (1kg)

$3.66 Rp 66.2K

$2.74 NZ$4.87

33.58%

Banana (1kg)

$1.52 Rp 27.5K

$2.47 NZ$4.38

-38.46%

Oranges (1kg)

$2.23 Rp 40.4K

$3.41 NZ$6.06

-34.60%

Tomato (1kg)

$1.97 Rp 35.7K

$5.70 NZ$10.13

-65.44%

Potato (1kg)

$1.85 Rp 33.5K

$2.22 NZ$3.94

-16.67%

Onion (1kg)

$2.42 Rp 43.9K

$1.40 NZ$2.48

72.86%

Lettuce (1 head)

$0.99 Rp 17.9K

$2.29 NZ$4.06

-56.77%

Water (1.5 liter bottle)

$0.51 Rp 9,303

$1.17 NZ$2.08

-56.41%

Cigarettes 20 Pack (Marlboro, Camel)

$2.22 Rp 40.3K

$20.98 NZ$37.24

-89.42%

Wine (Bottle)

$22.24 Rp 403.0K

$7.93 NZ$14.09

180.45%

Local Beer (0.5 liter bottle)

$2.26 Rp 41.0K

$3.20 NZ$5.68

-29.38%

Imported Beer (0.33 liter bottle)

$2.97 Rp 53.8K

$3.48 NZ$6.18

-14.66%

One-way Ticket (Public Transport)

$0.25 Rp 4,548

$1.91 NZ$3.39

-86.91%

Public Transport Monthly Pass (Regular Price)

$7.82 Rp 141.8K

$105 NZ$187

-92.56%

Taxi Start (Normal Tariff)

$0.44 Rp 7,964

$2.19 NZ$3.89

-79.91%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,793

$1.68 NZ$2.98

-74.40%

Taxi 1hour Waiting (Normal Tariff)

$5.41 Rp 98.0K

$31.49 NZ$55.9

-82.82%

Gasoline (1 liter)

$0.82 Rp 14.9K

$1.96 NZ$3.49

-58.16%

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

$23.8K Rp 432.0M

$26.3K NZ$46.6K

-9.18%

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

$31.7K Rp 575.3M

$22.6K NZ$40.1K

40.73%

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

$79.1 Rp 1.4M

$120 NZ$213

-34.14%

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

$6.45 Rp 116.8K

$27.16 NZ$48.22

-76.25%

Internet (50+ Mbps, Unlimited Data)

$18.58 Rp 336.7K

$47.53 NZ$84.4

-60.91%

Gym Membership (Monthly)

$49.48 Rp 896.7K

$41.24 NZ$73.2

19.98%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$4.27 Rp 77.4K

$11.86 NZ$21.05

-64.00%

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

$491 Rp 8.9M

$587 NZ$1,041

-16.38%

International Primary School, 1 Child (Yearly)

$5,674 Rp 102.8M

$14.8K NZ$26.3K

-61.75%

Jeans (Levis 501 Or Similar)

$44.64 Rp 808.9K

$54.7 NZ$97.1

-18.38%

Summer Dress (H&M, Zara, etc)

$34.95 Rp 633.4K

$34.11 NZ$60.6

2.46%

Sport Shoes (Adidas, Nike)

$79.9 Rp 1.4M

$106 NZ$188

-24.59%

Men's Leather Business Shoes

$79.4 Rp 1.4M

$111 NZ$197

-28.39%

1-bedroom Apartment, City Center (Monthly)

$1,125 Rp 20.4M

$1,049 NZ$1,863

7.19%

1-bedroom Apartment, Outside City Center (Monthly)

$671 Rp 12.2M

$882 NZ$1,565

-23.85%

3-bedroom Apartment, City Center (Monthly)

$3,565 Rp 64.6M

$1,758 NZ$3,121

102.78%

3-bedroom Apartment, Outside City Center (Monthly)

$1,723 Rp 31.2M

$1,545 NZ$2,742

11.57%

Buy Apartment in City Center (m2)

$2,732 Rp 49.5M

$5,480 NZ$9,730

-50.15%

Buy Apartment Outside City Center (m2)

$2,284 Rp 41.4M

$3,226 NZ$5,728

-29.20%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.83

136.36%

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

Last update for Ubud, Bali: October 25, 2026

Last update for Wairoa: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$672 49.8%

Wairoa

$882 44.7% 31.3% $210

Groceries & Markets

Ubud, Bali

$288 21.4%

Wairoa

$322 16.3% 11.6% $33

Eating Out

Ubud, Bali

$108 8%

Wairoa

$250 12.7% 132% $142

Clothing & Footwear

Ubud, Bali

$108 8%

Wairoa

$138 7% 27.9% $30

Monthly Utilities & Internet

Ubud, Bali

$104 7.7%

Wairoa

$195 9.9% 87.1% $91

Sport & Entertainment

Ubud, Bali

$58 4.3%

Wairoa

$65 3.3% 11.9% $6.9

Getting Around

Ubud, Bali

$11 0.9%

Wairoa

$123 6.2% 980% $112

Cost Breakdown

A one-bedroom apartment in the center runs $1,125 in Ubud, Bali and $1,049 in Wairoa. Housing cost is often the main lever when comparing two cities.

Dining out: $36 in Ubud, Bali vs $74 in Wairoa for a mid-range dinner for two. Groceries echo the gap at $288 vs $322 per month, with Ubud, Bali cheaper across the board.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Wairoa

🕒 Local time

02:51 2:51 AM

07:51 7:51 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

4,300

💱 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 Wairoa 7,020 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Wairoa

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 Wairoa: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 32% lower than in Wairoa. 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 $2,023 in Ubud, Bali and $2,961 in Wairoa 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: $1,125 in Ubud, Bali versus $1,049 in Wairoa. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $491 in Ubud, Bali versus $587 in Wairoa. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 12% higher in Wairoa. For households that cook at home regularly, that difference adds up over a month.

Both cities are expensive relative to $1,000. Ubud, Bali is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Ubud, Bali and Wairoa are both considered safe, so it’s unlikely to be the deciding factor between them.