Last update: Oct 2026

Cost of Living Comparison Between Upper Hutt and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,952 in Upper Hutt, rent and utilities included – about $7,200 less a year. Other living expenses account for most of the difference.

96

Cost of Living Index in Upper Hutt
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Upper Hutt Living Index
65

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

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Upper Hutt

🇳🇿 New Zealand

$1,952

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

How much you'll spend in Upper Hutt and in Ubud, Bali

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Upper Hutt and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,952 in Upper Hutt versus $1,349 in Ubud, Bali.

Upper Hutt $1,952
Ubud, Bali $1,349

Estimated couple costs with rent: $2,954 in Upper Hutt versus $2,305 in Ubud, Bali.

Upper Hutt $2,954
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $3,956 in Upper Hutt versus $3,261 in Ubud, Bali.

Upper Hutt $3,956
Ubud, Bali $3,261

Living in Upper Hutt is roughly 45% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in transport.

Meal at Budget Restaurant

$8.58 NZ$15.24

$3.32 Rp 60.2K

158.43%

Three-Course Dinner for Two, Mid-Range

$57.9 NZ$103

$35.64 Rp 645.8K

62.49%

Fast Food Meal (McDonalds, etc)

$8.66 NZ$15.37

$5.53 Rp 100.3K

56.60%

Cappuccino

$2.92 NZ$5.18

$2.72 Rp 49.3K

7.35%

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

$2.39 NZ$4.25

$1.70 Rp 30.8K

40.59%

Water (0.33 liter bottle)

$1.74 NZ$3.09

$0.76 Rp 13.8K

128.95%

Local Beer (0.5 liter draught)

$7.58 NZ$13.46

$2.65 Rp 48.1K

186.04%

Imported Beer (0.33 liter bottle)

$6.64 NZ$11.79

$4.38 Rp 79.4K

51.60%

Milk (1 liter)

$1.86 NZ$3.31

$1.49 Rp 27.0K

24.83%

White Bread (500g)

$2.18 NZ$3.86

$2.28 Rp 41.2K

-4.39%

Rice (white) (1kg)

$1.86 NZ$3.31

$1.19 Rp 21.6K

56.30%

Eggs

$7.09 NZ$12.58

$2.04 Rp 36.9K

247.55%

Local Cheese (1kg)

$5.51 NZ$9.78

$17.70 Rp 320.8K

-68.87%

Chicken Fillets (1kg)

$9.62 NZ$17.08

$3.96 Rp 71.8K

142.93%

Beef Round Steak (1kg)

$15.38 NZ$27.30

$12.19 Rp 220.9K

26.17%

Apples (1kg)

$3.17 NZ$5.63

$3.66 Rp 66.2K

-13.39%

Banana (1kg)

$2.26 NZ$4.02

$1.52 Rp 27.5K

48.68%

Oranges (1kg)

$3.14 NZ$5.58

$2.23 Rp 40.4K

40.81%

Tomato (1kg)

$6.41 NZ$11.38

$1.97 Rp 35.7K

225.38%

Potato (1kg)

$2.17 NZ$3.85

$1.85 Rp 33.5K

17.30%

Onion (1kg)

$1.30 NZ$2.31

$2.42 Rp 43.9K

-46.28%

Lettuce (1 head)

$2.08 NZ$3.69

$0.99 Rp 17.9K

110.10%

Water (1.5 liter bottle)

$1.15 NZ$2.05

$0.51 Rp 9,303

125.49%

Cigarettes 20 Pack (Marlboro, Camel)

$25.44 NZ$45.17

$2.22 Rp 40.3K

1045.95%

Wine (Bottle)

$11.31 NZ$20.09

$22.24 Rp 403.0K

-49.15%

Local Beer (0.5 liter bottle)

$3.19 NZ$5.67

$2.26 Rp 41.0K

41.15%

Imported Beer (0.33 liter bottle)

$2.77 NZ$4.92

$2.97 Rp 53.8K

-6.73%

One-way Ticket (Public Transport)

$1.89 NZ$3.36

$0.25 Rp 4,548

656.00%

Public Transport Monthly Pass (Regular Price)

$105 NZ$187

$7.82 Rp 141.8K

1245.65%

Taxi Start (Normal Tariff)

$1.82 NZ$3.23

$0.44 Rp 7,964

313.64%

Taxi (Normal Tariff) (1km)

$1.84 NZ$3.27

$0.43 Rp 7,793

327.91%

Taxi 1hour Waiting (Normal Tariff)

$34.32 NZ$60.9

$5.41 Rp 98.0K

534.38%

Gasoline (1 liter)

$1.83 NZ$3.24

$0.82 Rp 14.9K

123.17%

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

$28.5K NZ$50.6K

$23.8K Rp 432.0M

19.55%

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

$23.2K NZ$41.2K

$31.7K Rp 575.3M

-26.96%

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

$113 NZ$201

$79.1 Rp 1.4M

43.42%

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

$25.35 NZ$45.01

$6.45 Rp 116.8K

293.02%

Internet (50+ Mbps, Unlimited Data)

$54.8 NZ$97.2

$18.58 Rp 336.7K

194.73%

Gym Membership (Monthly)

$42.80 NZ$76.0

$49.48 Rp 896.7K

-13.50%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 319.8K

Cinema Ticket

$12.16 NZ$21.59

$4.27 Rp 77.4K

184.78%

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

$1,064 NZ$1,890

$491 Rp 8.9M

116.99%

International Primary School, 1 Child (Yearly)

$13.3K NZ$23.6K

$5,674 Rp 102.8M

134.44%

Jeans (Levis 501 Or Similar)

$78.6 NZ$140

$44.64 Rp 808.9K

76.08%

Summer Dress (H&M, Zara, etc)

$28.83 NZ$51.2

$34.95 Rp 633.4K

-17.51%

Sport Shoes (Adidas, Nike)

$104 NZ$185

$79.9 Rp 1.4M

30.48%

Men's Leather Business Shoes

$156 NZ$276

$79.4 Rp 1.4M

96.01%

1-bedroom Apartment, City Center (Monthly)

$1,057 NZ$1,877

$1,125 Rp 20.4M

-6.03%

1-bedroom Apartment, Outside City Center (Monthly)

$869 NZ$1,542

$671 Rp 12.2M

29.36%

3-bedroom Apartment, City Center (Monthly)

$1,498 NZ$2,659

$3,565 Rp 64.6M

-57.98%

3-bedroom Apartment, Outside City Center (Monthly)

$1,531 NZ$2,719

$1,723 Rp 31.2M

-11.15%

Buy Apartment in City Center (m2)

$4,193 NZ$7,444

$2,732 Rp 49.5M

53.48%

Buy Apartment Outside City Center (m2)

$3,357 NZ$5,960

$2,284 Rp 41.4M

46.97%

Average Monthly Net Salary (After Tax)

$164 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: October 27, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Upper Hutt

$869 44.5%

Ubud, Bali

$672 49.8% 22.7% $197

Groceries & Markets

Upper Hutt

$336 17.2%

Ubud, Bali

$288 21.4% 14.3% $48

Eating Out

Upper Hutt

$197 10.1%

Ubud, Bali

$108 8% 45.4% $90

Monthly Utilities & Internet

Upper Hutt

$194 9.9%

Ubud, Bali

$104 7.7% 46.2% $89

Clothing & Footwear

Upper Hutt

$165 8.5%

Ubud, Bali

$108 8% 35% $58

Getting Around

Upper Hutt

$124 6.3%

Ubud, Bali

$11 0.9% 90.8% $112

Sport & Entertainment

Upper Hutt

$67 3.4%

Ubud, Bali

$58 4.3% 13.5% $9.1

Cost Breakdown

A one-bedroom apartment in the center runs $1,057 in Upper Hutt and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $58 in Upper Hutt vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $336 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Upper Hutt

🇮🇩 Ubud, Bali

🕒 Local time

11:15 11:15 AM

06:15 6:15 AM

5 h behind Upper Hutt

🌤 Weather

👥 Population

44,600

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

100,000 IDR = 5.52 USD

100,000 IDR = 4.94 EUR

Exchange rates and currency converter

IDR, USD, EUR to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

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).

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).

USD to NZD in detail →

On the map

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Highest

Between locations

Upper Hutt Ubud, Bali 6,880 km ≈ 9 h nonstop flight

From you

Upper Hutt
Ubud, Bali

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

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 $2,928 in Upper Hutt and $2,023 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: $1,057 in Upper Hutt versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,064 in Upper Hutt versus $491 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 17% higher in Upper Hutt. 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, Upper Hutt and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.