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: $1,947 in Upper Hutt versus $1,368 in Ubud, Bali.

Estimated couple costs with rent: $2,924 in Upper Hutt versus $2,348 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,900 in Upper Hutt versus $3,327 in Ubud, Bali.

Living in Upper Hutt is roughly 42% more expensive than in Ubud, Bali, driven mainly by Getting Around.

Both cities are pricier than the global median: Upper Hutt 42% above, Ubud, Bali 0% above.

Meal at Budget Restaurant

$8.64 NZ$15.11

$3.44 Rp 60.9K

151.16%

Three-Course Dinner for Two, Mid-Range

$57.9 NZ$101

$36.31 Rp 643.0K

59.54%

Fast Food Meal (McDonalds, etc)

$8.75 NZ$15.30

$5.71 Rp 101.0K

53.24%

Cappuccino

$2.93 NZ$5.13

$2.67 Rp 47.3K

9.74%

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

$2.56 NZ$4.48

$1.75 Rp 31.0K

46.29%

Water (0.33 liter bottle)

$1.75 NZ$3.05

$0.87 Rp 15.4K

101.15%

Local Beer (0.5 liter draught)

$7.63 NZ$13.34

$2.95 Rp 52.3K

158.64%

Imported Beer (0.33 liter bottle)

$6.79 NZ$11.87

$4.52 Rp 80.0K

50.22%

Milk (1 liter)

$1.99 NZ$3.47

$1.62 Rp 28.7K

22.84%

White Bread (500g)

$2.17 NZ$3.79

$2.33 Rp 41.3K

-6.87%

Rice (white) (1kg)

$1.90 NZ$3.31

$1.11 Rp 19.6K

71.17%

Eggs

$6.95 NZ$12.15

$2.20 Rp 39.0K

215.91%

Local Cheese (1kg)

$5.81 NZ$10.16

$17.69 Rp 313.3K

-67.16%

Chicken Fillets (1kg)

$9.67 NZ$16.91

$4.10 Rp 72.5K

135.85%

Beef Round Steak (1kg)

$15.54 NZ$27.17

$12.18 Rp 215.6K

27.59%

Apples (1kg)

$3.22 NZ$5.63

$3.71 Rp 65.6K

-13.21%

Banana (1kg)

$2.19 NZ$3.82

$1.59 Rp 28.1K

37.74%

Oranges (1kg)

$3.08 NZ$5.39

$2.28 Rp 40.4K

35.09%

Tomato (1kg)

$6.69 NZ$11.70

$1.95 Rp 34.6K

243.08%

Potato (1kg)

$2.13 NZ$3.72

$1.91 Rp 33.7K

11.52%

Onion (1kg)

$1.27 NZ$2.22

$2.33 Rp 41.3K

-45.49%

Lettuce (1 head)

$2.08 NZ$3.64

$1.01 Rp 17.8K

105.94%

Water (1.5 liter bottle)

$1.23 NZ$2.16

$0.55 Rp 9,773

123.64%

Cigarettes 20 Pack (Marlboro, Camel)

$26.45 NZ$46.24

$2.23 Rp 39.5K

1086.10%

Wine (Bottle)

$11.67 NZ$20.39

$23.07 Rp 408.6K

-49.41%

Local Beer (0.5 liter bottle)

$3.21 NZ$5.61

$2.42 Rp 42.8K

32.64%

Imported Beer (0.33 liter bottle)

$2.86 NZ$5.00

$3.00 Rp 53.1K

-4.67%

One-way Ticket (Public Transport)

$1.53 NZ$2.67

$0.27 Rp 4,814

466.67%

Public Transport Monthly Pass (Regular Price)

$84.5 NZ$148

$8.98 Rp 159.1K

840.53%

Taxi Start (Normal Tariff)

$1.90 NZ$3.32

$0.48 Rp 8,566

295.83%

Taxi (Normal Tariff) (1km)

$1.90 NZ$3.33

$0.43 Rp 7,679

341.86%

Taxi 1hour Waiting (Normal Tariff)

$34.44 NZ$60.2

$5.64 Rp 99.9K

510.64%

Gasoline (1 liter)

$1.93 NZ$3.38

$0.80 Rp 14.2K

141.25%

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

$25.8K NZ$45.2K

$24.9K Rp 441.7M

3.58%

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

$26.2K NZ$45.9K

$31.7K Rp 561.5M

-17.25%

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

$114 NZ$198

$81.5 Rp 1.4M

39.38%

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

$26.22 NZ$45.83

$6.49 Rp 115.0K

304.01%

Internet (50+ Mbps, Unlimited Data)

$55.2 NZ$96.5

$18.77 Rp 332.4K

193.98%

Gym Membership (Monthly)

$38.97 NZ$68.1

$56.9 Rp 1.0M

-31.48%

Tennis Court (1 Hour on Weekend)

$18.73 Rp 331.7K

Cinema Ticket

$12.26 NZ$21.44

$4.54 Rp 80.4K

170.04%

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

$1,083 NZ$1,894

$481 Rp 8.5M

125.40%

International Primary School, 1 Child (Yearly)

$13.2K NZ$23.0K

$5,711 Rp 101.1M

130.85%

Jeans (Levis 501 Or Similar)

$79.0 NZ$138

$45.52 Rp 806.0K

73.44%

Summer Dress (H&M, Zara, etc)

$28.64 NZ$50.1

$35.88 Rp 635.4K

-20.18%

Sport Shoes (Adidas, Nike)

$105 NZ$183

$80.4 Rp 1.4M

30.10%

Men's Leather Business Shoes

$157 NZ$275

$78.7 Rp 1.4M

99.85%

1-bedroom Apartment, City Center (Monthly)

$916 NZ$1,602

$1,115 Rp 19.7M

-17.79%

1-bedroom Apartment, Outside City Center (Monthly)

$841 NZ$1,471

$698 Rp 12.4M

20.59%

3-bedroom Apartment, City Center (Monthly)

$1,834 NZ$3,206

$3,637 Rp 64.4M

-49.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,697 NZ$2,967

$1,737 Rp 30.8M

-2.30%

Buy Apartment in City Center (m2)

$4,311 NZ$7,537

$2,784 Rp 49.3M

54.84%

Buy Apartment Outside City Center (m2)

$3,133 NZ$5,476

$2,290 Rp 40.5M

36.81%

Average Monthly Net Salary (After Tax)

$168 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

13.78

-60.89%

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

Last update for Upper Hutt: September 12, 2026

Last update for Ubud, Bali: September 14, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $916 in Upper Hutt and $1,115 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $58.0 in Upper Hutt vs $36.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $342 vs $295 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 42% 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 $2,920 in Upper Hutt and $2,052 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: $916 in Upper Hutt versus $1,115 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,083 in Upper Hutt versus $481 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 16% higher in Upper Hutt. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,947 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 $1,368 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 42% less than in Upper Hutt. Beyond cost, consider language, visa policies, and how big the international community is in each city.