Cost of Living Comparison Between Upper Hutt and Dunedin Cost of Living Comparison Between Upper Hutt and Dunedin

Monthly Cost of Living

Monthly costs for one person with rent: $1,923 in Upper Hutt versus $1,795 in Dunedin.

Estimated couple costs with rent: $2,974 in Upper Hutt versus $2,789 in Dunedin.

Monthly costs for a family of three with rent: $4,025 in Upper Hutt versus $3,783 in Dunedin.

Living in Upper Hutt is roughly 7% more expensive than in Dunedin, driven mainly by Eating Out.

Both cities are pricier than the global median: Upper Hutt 44% above, Dunedin 35% above.

Meal at Budget Restaurant

$17.25 NZ$29.23

$11.86 NZ$20.10

45.45%

Three-Course Dinner for Two, Mid-Range

$84.0 NZ$142

$73.0 NZ$124

15.13%

Fast Food Meal (McDonalds, etc)

$9.84 NZ$16.68

$10.87 NZ$18.43

-9.48%

Cappuccino

$3.55 NZ$6.01

$3.48 NZ$5.89

2.01%

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

$2.29 NZ$3.88

$2.28 NZ$3.86

0.44%

Water (0.33 liter bottle)

$2.21 NZ$3.75

$2.00 NZ$3.39

10.50%

Local Beer (0.5 liter draught)

$7.41 NZ$12.55

$7.12 NZ$12.07

4.07%

Imported Beer (0.33 liter bottle)

$6.31 NZ$10.69

$5.90 NZ$10.01

6.95%

Milk (1 liter)

$1.73 NZ$2.93

$2.17 NZ$3.68

-20.28%

White Bread (500g)

$2.09 NZ$3.55

$1.99 NZ$3.38

5.03%

Rice (white) (1kg)

$1.83 NZ$3.11

$1.91 NZ$3.24

-4.19%

Eggs

$6.25 NZ$10.60

$5.59 NZ$9.47

11.81%

Local Cheese (1kg)

$7.96 NZ$13.49

$8.36 NZ$14.17

-4.78%

Chicken Fillets (1kg)

$8.92 NZ$15.12

$10.65 NZ$18.05

-16.24%

Beef Round Steak (1kg)

$12.21 NZ$20.70

$12.90 NZ$21.86

-5.35%

Apples (1kg)

$2.41 NZ$4.08

$2.88 NZ$4.88

-16.32%

Banana (1kg)

$1.81 NZ$3.07

$2.25 NZ$3.81

-19.56%

Oranges (1kg)

$2.52 NZ$4.28

$3.38 NZ$5.73

-25.44%

Tomato (1kg)

$3.35 NZ$5.68

$4.65 NZ$7.89

-27.96%

Potato (1kg)

$2.01 NZ$3.41

$1.89 NZ$3.21

6.35%

Onion (1kg)

$1.63 NZ$2.76

$2.07 NZ$3.51

-21.26%

Lettuce (1 head)

$2.12 NZ$3.59

$2.53 NZ$4.30

-16.21%

Water (1.5 liter bottle)

$1.29 NZ$2.18

$1.12 NZ$1.89

15.18%

Cigarettes 20 Pack (Marlboro, Camel)

$20.65 NZ$35.01

$24.48 NZ$41.50

-15.65%

Wine (Bottle)

$10.93 NZ$18.52

$8.96 NZ$15.18

21.99%

Local Beer (0.5 liter bottle)

$2.44 NZ$4.13

$2.52 NZ$4.27

-3.17%

Imported Beer (0.33 liter bottle)

$2.63 NZ$4.46

$3.57 NZ$6.05

-26.33%

One-way Ticket (Public Transport)

$2.13 NZ$3.60

$1.24 NZ$2.10

71.77%

Public Transport Monthly Pass (Regular Price)

$64.2 NZ$109

$71.9 NZ$122

-10.75%

Taxi Start (Normal Tariff)

$2.69 NZ$4.55

$5.93 NZ$10.05

-54.64%

Taxi (Normal Tariff) (1km)

$1.84 NZ$3.12

$1.10 NZ$1.87

67.27%

Taxi 1hour Waiting (Normal Tariff)

$47.40 NZ$80.4

$30.03 NZ$50.9

57.84%

Gasoline (1 liter)

$1.65 NZ$2.79

$1.66 NZ$2.81

-0.60%

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

$27.3K NZ$46.2K

$19.7K NZ$33.3K

38.72%

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

$23.4K NZ$39.7K

$25.6K NZ$43.4K

-8.60%

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

$159 NZ$270

$102 NZ$172

56.76%

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

$33.34 NZ$56.5

$35.32 NZ$59.9

-5.61%

Internet (50+ Mbps, Unlimited Data)

$47.63 NZ$80.8

$54.6 NZ$92.5

-12.75%

Gym Membership (Monthly)

$37.13 NZ$63.0

$51.1 NZ$86.7

-27.40%

Tennis Court (1 Hour on Weekend)

$11.86 NZ$20.11

$6.13 NZ$10.40

93.47%

Cinema Ticket

$9.22 NZ$15.63

$9.69 NZ$16.42

-4.85%

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

$743 NZ$1,259

$575 NZ$974

29.24%

International Primary School, 1 Child (Yearly)

$12.7K NZ$21.6K

$11.9K NZ$20.1K

7.16%

Jeans (Levis 501 Or Similar)

$72.8 NZ$123

$66.0 NZ$112

10.28%

Summer Dress (H&M, Zara, etc)

$52.1 NZ$88.3

$34.51 NZ$58.5

50.97%

Sport Shoes (Adidas, Nike)

$104 NZ$177

$94.8 NZ$161

10.06%

Men's Leather Business Shoes

$127 NZ$215

$121 NZ$206

4.52%

1-bedroom Apartment, City Center (Monthly)

$978 NZ$1,659

$885 NZ$1,500

10.54%

1-bedroom Apartment, Outside City Center (Monthly)

$789 NZ$1,337

$758 NZ$1,285

4.02%

3-bedroom Apartment, City Center (Monthly)

$1,590 NZ$2,696

$1,500 NZ$2,544

5.99%

3-bedroom Apartment, Outside City Center (Monthly)

$1,433 NZ$2,429

$1,347 NZ$2,284

6.34%

Buy Apartment in City Center (m2)

$4,673 NZ$7,921

Buy Apartment Outside City Center (m2)

$2,994 NZ$5,076

$2,237 NZ$3,792

33.86%

Average Monthly Net Salary (After Tax)

$2,582 NZ$4,377

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

7.07

-5.37%

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

Last update for Upper Hutt: July 28, 2026

Last update for Dunedin: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $978 in Upper Hutt and $885 in Dunedin. Housing cost is often the main lever when comparing two cities.

Dining out: $84.0 in Upper Hutt vs $73.0 in Dunedin. Groceries flip the comparison at $298 vs $324, with Upper Hutt cheaper for home cooking.

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

Upper Hutt vs Dunedin: Cost of Living - Frequently Asked Questions

Upper Hutt and Dunedin differ by about 7% in total monthly costs ($1,923 vs $1,795 including rent). Dunedin is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

You'd need roughly $2,884 in Upper Hutt and $2,692 in Dunedin 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: $978 in Upper Hutt versus $885 in Dunedin. Housing is usually the single largest factor when comparing overall living costs between the two.

A monthly transit pass in Dunedin runs roughly 12% less than in Upper Hutt. Both cities have functional networks, but the price difference matters if you're watching your budget.

Childcare runs $743 in Upper Hutt versus $575 in Dunedin. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $1,795 in Dunedin versus $1,923 in Upper Hutt, a $3,000 budget is realistic in Dunedin but tight or insufficient in Upper Hutt. The gap between the two cities makes Dunedin the clear choice for anyone on this budget.

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, Upper Hutt and Dunedin 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 Dunedin gentler on the wallet – expenses run 7% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.