Last update: Oct 2026

Cost of Living Comparison Between Ubud, Bali and Whangarei

For one person, living is cheaper in Ubud, Bali: $1,353 a month against $1,458 in Whangarei, rent and utilities included – about $1,300 less a year. The total is higher in Whangarei despite lower rent and utilities.

66

Cost of Living Index in Ubud, Bali
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Ubud, Bali Living Index
71

Cost of Living Index in Whangarei
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Whangarei Living Index

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Ubud, Bali

🇮🇩 Indonesia

$1,353

/mo nomad

Whangarei

🇳🇿 New Zealand

$1,458

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,353 in Ubud, Bali versus $1,458 in Whangarei.

Ubud, Bali $1,353
Whangarei $1,458

Estimated couple costs with rent: $2,297 in Ubud, Bali versus $2,290 in Whangarei.

Ubud, Bali $2,297
Whangarei $2,290

Monthly costs for a family of three with rent: $3,241 in Ubud, Bali versus $3,121 in Whangarei.

Ubud, Bali $3,241
Whangarei $3,121

Living in Ubud, Bali costs roughly 7% less than in Whangarei, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Ubud, Bali 0% above, Whangarei 8% above.

Meal at Budget Restaurant

$3.23 Rp 58.1K

$12.15 NZ$21.49

-73.42%

Three-Course Dinner for Two, Mid-Range

$34.88 Rp 627.8K

$74.0 NZ$131

-52.83%

Fast Food Meal (McDonalds, etc)

$5.70 Rp 102.5K

$8.48 NZ$14.99

-32.78%

Cappuccino

$2.62 Rp 47.1K

$3.32 NZ$5.88

-21.08%

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

$1.72 Rp 31.0K

$2.02 NZ$3.57

-14.85%

Water (0.33 liter bottle)

$0.81 Rp 14.6K

$1.61 NZ$2.85

-49.69%

Local Beer (0.5 liter draught)

$2.65 Rp 47.7K

$6.01 NZ$10.62

-55.91%

Imported Beer (0.33 liter bottle)

$4.37 Rp 78.6K

$5.78 NZ$10.23

-24.39%

Milk (1 liter)

$1.57 Rp 28.3K

$1.48 NZ$2.62

6.08%

White Bread (500g)

$2.19 Rp 39.5K

$1.24 NZ$2.20

76.61%

Rice (white) (1kg)

$1.18 Rp 21.2K

$1.68 NZ$2.97

-29.76%

Eggs

$2.16 Rp 38.8K

$5.44 NZ$9.61

-60.29%

Local Cheese (1kg)

$17.65 Rp 317.7K

$5.51 NZ$9.74

220.33%

Chicken Fillets (1kg)

$3.78 Rp 68.0K

$7.52 NZ$13.30

-49.73%

Beef Round Steak (1kg)

$11.95 Rp 215.1K

$15.29 NZ$27.04

-21.84%

Apples (1kg)

$3.60 Rp 64.8K

$2.56 NZ$4.52

40.63%

Banana (1kg)

$1.59 Rp 28.6K

$2.11 NZ$3.73

-24.64%

Oranges (1kg)

$2.31 Rp 41.6K

$2.90 NZ$5.13

-20.34%

Tomato (1kg)

$1.91 Rp 34.3K

$3.05 NZ$5.40

-37.38%

Potato (1kg)

$1.78 Rp 32.1K

$2.28 NZ$4.04

-21.93%

Onion (1kg)

$2.33 Rp 41.9K

$1.71 NZ$3.03

36.26%

Lettuce (1 head)

$1.00 Rp 18.0K

$1.66 NZ$2.93

-39.76%

Water (1.5 liter bottle)

$0.53 Rp 9,509

$1.17 NZ$2.07

-54.70%

Cigarettes 20 Pack (Marlboro, Camel)

$2.29 Rp 41.1K

$25.92 NZ$45.84

-91.17%

Wine (Bottle)

$22.07 Rp 397.3K

$9.81 NZ$17.35

124.97%

Local Beer (0.5 liter bottle)

$2.35 Rp 42.2K

$2.21 NZ$3.90

6.33%

Imported Beer (0.33 liter bottle)

$2.98 Rp 53.6K

$2.74 NZ$4.85

8.76%

One-way Ticket (Public Transport)

$0.23 Rp 4,112

$1.71 NZ$3.03

-86.55%

Public Transport Monthly Pass (Regular Price)

$8.90 Rp 160.2K

$130 NZ$230

-93.16%

Taxi Start (Normal Tariff)

$0.47 Rp 8,466

$3.63 NZ$6.42

-87.05%

Taxi (Normal Tariff) (1km)

$0.43 Rp 7,737

$1.60 NZ$2.82

-73.13%

Taxi 1hour Waiting (Normal Tariff)

$5.47 Rp 98.4K

$13.85 NZ$24.50

-60.51%

Gasoline (1 liter)

$0.83 Rp 14.9K

$1.74 NZ$3.07

-52.30%

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

$23.9K Rp 429.8M

$28.9K NZ$51.1K

-17.33%

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

$32.8K Rp 590.1M

$22.0K NZ$38.9K

49.08%

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

$80.0 Rp 1.4M

$149 NZ$264

-46.37%

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

$6.56 Rp 118.1K

$27.61 NZ$48.83

-76.24%

Internet (50+ Mbps, Unlimited Data)

$18.60 Rp 334.8K

$50.2 NZ$88.7

-62.91%

Gym Membership (Monthly)

$54.1 Rp 974.1K

$35.33 NZ$62.5

53.18%

Tennis Court (1 Hour on Weekend)

$18.28 Rp 329.0K

$2.85 NZ$5.04

541.40%

Cinema Ticket

$4.25 Rp 76.5K

$10.25 NZ$18.13

-58.54%

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

$493 Rp 8.9M

$699 NZ$1,236

-29.53%

International Primary School, 1 Child (Yearly)

$5,597 Rp 100.7M

$23.1K NZ$40.8K

-75.73%

Jeans (Levis 501 Or Similar)

$45.58 Rp 820.4K

$71.7 NZ$127

-36.45%

Summer Dress (H&M, Zara, etc)

$34.96 Rp 629.4K

$32.82 NZ$58.0

6.52%

Sport Shoes (Adidas, Nike)

$77.7 Rp 1.4M

$70.1 NZ$124

10.90%

Men's Leather Business Shoes

$78.5 Rp 1.4M

$90.9 NZ$161

-13.59%

1-bedroom Apartment, City Center (Monthly)

$1,131 Rp 20.4M

$426 NZ$754

165.54%

1-bedroom Apartment, Outside City Center (Monthly)

$673 Rp 12.1M

$414 NZ$732

62.48%

3-bedroom Apartment, City Center (Monthly)

$3,613 Rp 65.0M

$766 NZ$1,355

371.44%

3-bedroom Apartment, Outside City Center (Monthly)

$1,702 Rp 30.6M

$739 NZ$1,307

130.30%

Buy Apartment in City Center (m2)

$2,717 Rp 48.9M

$4,260 NZ$7,535

-36.22%

Buy Apartment Outside City Center (m2)

$2,241 Rp 40.3M

$3,263 NZ$5,770

-31.31%

Average Monthly Net Salary (After Tax)

$166 Rp 3.0M

$2,346 NZ$4,149

-92.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

13.78

5.75

139.65%

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

Last update for Ubud, Bali: October 19, 2026

Last update for Whangarei: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Ubud, Bali

$673 49.7%

Whangarei

$414 28.4% 38.5% $259

Groceries & Markets

Ubud, Bali

$287 21.2%

Whangarei

$275 18.9% 4.2% $12

Clothing & Footwear

Ubud, Bali

$107 7.9%

Whangarei

$119 8.2% 12.1% $13

Eating Out

Ubud, Bali

$106 7.9%

Whangarei

$219 15% 105% $112

Monthly Utilities & Internet

Ubud, Bali

$105 7.8%

Whangarei

$227 15.6% 116% $122

Sport & Entertainment

Ubud, Bali

$63 4.6%

Whangarei

$56 3.8% 10.8% $6.8

Getting Around

Ubud, Bali

$12 0.9%

Whangarei

$149 10.2% 1095% $136

Cost Breakdown

A one-bedroom apartment in the center runs $1,131 in Ubud, Bali and $426 in Whangarei. Housing cost is often the main lever when comparing two cities.

Whangarei pays 1310% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $35.00 in Ubud, Bali vs $74.0 in Whangarei. Groceries flip the comparison at $287 vs $275, with Whangarei cheaper for home cooking.

Good to know

🇮🇩 Ubud, Bali

🇳🇿 Whangarei

🕒 Local time

19:40 7:40 PM

00:40 12:40 AM

5 h ahead of Ubud, Bali

🌤 Weather

👥 Population

74,800

54,300

💱 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 20, 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 20, 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 Whangarei 6,680 km ≈ 9 h nonstop flight

From you

Ubud, Bali
Whangarei

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 Whangarei: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 8% lower than in Whangarei. Housing and daily spending are where you'll feel the difference most, making Ubud, Bali the obvious pick if budget is a priority.

On paper, salaries run 1310% lower in Whangarei. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $1,131 in Ubud, Bali versus $426 in Whangarei. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $493 in Ubud, Bali versus $699 in Whangarei. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in Whangarei pay roughly 4% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

At $1,353 in Ubud, Bali versus $1,458 in Whangarei, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Whangarei. 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 $1,353 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 Whangarei 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 8% less than in Whangarei. Beyond cost, consider language, visa policies, and how big the international community is in each city.