Cost of Living Comparison Between Upper Hutt and Ubud, Bali Cost of Living Comparison Between Upper Hutt and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,880 in Upper Hutt versus $1,438 in Ubud, Bali.

Estimated couple costs with rent: $2,957 in Upper Hutt versus $2,585 in Ubud, Bali.

Monthly costs for a family of three with rent: $4,035 in Upper Hutt versus $3,732 in Ubud, Bali.

Living in Upper Hutt is roughly 31% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Upper Hutt 40% above, Ubud, Bali 7% above.

Meal at Budget Restaurant

$17.15 NZ$29.16

$3.57 Rp 61.6K

380.39%

Three-Course Dinner for Two, Mid-Range

$85.8 NZ$146

$32.58 Rp 562.6K

163.32%

Fast Food Meal (McDonalds, etc)

$9.84 NZ$16.72

$5.07 Rp 87.5K

94.08%

Cappuccino

$3.60 NZ$6.12

$2.83 Rp 48.8K

27.21%

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

$2.34 NZ$3.97

$1.34 Rp 23.1K

74.63%

Water (0.33 liter bottle)

$2.17 NZ$3.70

$0.69 Rp 12.0K

214.49%

Local Beer (0.5 liter draught)

$7.19 NZ$12.23

$2.99 Rp 51.6K

140.47%

Imported Beer (0.33 liter bottle)

$6.49 NZ$11.03

$3.85 Rp 66.4K

68.57%

Milk (1 liter)

$1.76 NZ$2.99

$1.74 Rp 30.1K

1.15%

White Bread (500g)

$2.07 NZ$3.52

$2.54 Rp 43.8K

-18.50%

Rice (white) (1kg)

$1.91 NZ$3.25

$1.19 Rp 20.6K

60.50%

Eggs

$6.25 NZ$10.62

$2.43 Rp 41.9K

157.20%

Local Cheese (1kg)

$8.31 NZ$14.12

$14.66 Rp 253.2K

-43.32%

Chicken Fillets (1kg)

$9.35 NZ$15.89

$4.18 Rp 72.1K

123.68%

Beef Round Steak (1kg)

$12.17 NZ$20.68

$11.94 Rp 206.1K

1.93%

Apples (1kg)

$2.54 NZ$4.31

$3.69 Rp 63.6K

-31.17%

Banana (1kg)

$1.82 NZ$3.09

$1.61 Rp 27.7K

13.04%

Oranges (1kg)

$2.55 NZ$4.34

$2.69 Rp 46.4K

-5.20%

Tomato (1kg)

$3.39 NZ$5.76

$2.33 Rp 40.2K

45.49%

Potato (1kg)

$2.10 NZ$3.57

$1.91 Rp 32.9K

9.95%

Onion (1kg)

$1.63 NZ$2.76

$2.19 Rp 37.7K

-25.57%

Lettuce (1 head)

$2.15 NZ$3.66

$1.06 Rp 18.3K

102.83%

Water (1.5 liter bottle)

$1.24 NZ$2.11

$0.72 Rp 12.5K

72.22%

Cigarettes 20 Pack (Marlboro, Camel)

$20.06 NZ$34.09

$3.13 Rp 54.1K

540.89%

Wine (Bottle)

$10.71 NZ$18.20

$23.49 Rp 405.6K

-54.41%

Local Beer (0.5 liter bottle)

$2.45 NZ$4.16

$2.74 Rp 47.3K

-10.58%

Imported Beer (0.33 liter bottle)

$2.68 NZ$4.55

$2.88 Rp 49.7K

-6.94%

One-way Ticket (Public Transport)

$2.07 NZ$3.52

$0.29 Rp 5,010

613.79%

Public Transport Monthly Pass (Regular Price)

$65.2 NZ$111

$8.17 Rp 141.0K

698.16%

Taxi Start (Normal Tariff)

$2.66 NZ$4.52

$0.45 Rp 7,834

491.11%

Taxi (Normal Tariff) (1km)

$1.86 NZ$3.16

$0.42 Rp 7,278

342.86%

Taxi 1hour Waiting (Normal Tariff)

$47.96 NZ$81.5

$6.16 Rp 106.3K

678.57%

Gasoline (1 liter)

$1.74 NZ$2.95

$0.84 Rp 14.5K

107.14%

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

$27.0K NZ$45.8K

$26.2K Rp 453.1M

2.77%

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

$23.4K NZ$39.7K

$32.5K Rp 560.8M

-28.02%

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

$157 NZ$267

$78.4 Rp 1.4M

100.59%

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

$32.61 NZ$55.4

$3.95 Rp 68.2K

725.57%

Internet (50+ Mbps, Unlimited Data)

$47.99 NZ$81.6

$24.40 Rp 421.4K

96.68%

Gym Membership (Monthly)

$37.36 NZ$63.5

$96.5 Rp 1.7M

-61.30%

Tennis Court (1 Hour on Weekend)

$12.14 NZ$20.64

$6.35 Rp 109.6K

91.18%

Cinema Ticket

$8.99 NZ$15.28

$4.04 Rp 69.7K

122.52%

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

$731 NZ$1,242

$303 Rp 5.2M

141.46%

International Primary School, 1 Child (Yearly)

$12.9K NZ$21.9K

$6,523 Rp 112.6M

97.69%

Jeans (Levis 501 Or Similar)

$73.4 NZ$125

$53.8 Rp 929.5K

36.33%

Summer Dress (H&M, Zara, etc)

$52.6 NZ$89.4

$37.98 Rp 655.8K

38.47%

Sport Shoes (Adidas, Nike)

$106 NZ$179

$86.8 Rp 1.5M

21.61%

Men's Leather Business Shoes

$127 NZ$216

$78.9 Rp 1.4M

61.06%

1-bedroom Apartment, City Center (Monthly)

$978 NZ$1,663

$1,012 Rp 17.5M

-3.33%

1-bedroom Apartment, Outside City Center (Monthly)

$780 NZ$1,326

$674 Rp 11.6M

15.64%

3-bedroom Apartment, City Center (Monthly)

$1,578 NZ$2,683

$3,390 Rp 58.5M

-53.45%

3-bedroom Apartment, Outside City Center (Monthly)

$1,437 NZ$2,443

$2,098 Rp 36.2M

-31.50%

Buy Apartment in City Center (m2)

$4,238 NZ$7,204

$2,985 Rp 51.5M

41.99%

Buy Apartment Outside City Center (m2)

$3,228 NZ$5,487

$2,339 Rp 40.4M

37.98%

Average Monthly Net Salary (After Tax)

$173 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

13.28

-49.62%

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

Last update for Upper Hutt: April 28, 2026

Last update for Ubud, Bali: April 28, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $978 in Upper Hutt and $1,012 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $86.0 in Upper Hutt vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $302 vs $298 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

Upper Hutt vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 31% lower than in Upper Hutt. 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 $2,820 in Upper Hutt and $2,158 in Ubud, Bali 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 $1,012 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $731 in Upper Hutt versus $303 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 1% higher in Upper Hutt. For households that cook at home regularly, that difference adds up over a month.

At $1,438 in Ubud, Bali versus $1,880 in Upper Hutt, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Upper Hutt. 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 $1,438 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Upper Hutt and Ubud, Bali 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 31% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.