Cost of Living Comparison Between Waiheke Island and Ubud, Bali Cost of Living Comparison Between Waiheke Island and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,880 in Waiheke Island versus $1,419 in Ubud, Bali.

Estimated couple costs with rent: $2,912 in Waiheke Island versus $2,540 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,945 in Waiheke Island versus $3,660 in Ubud, Bali.

Living in Waiheke Island is roughly 32% more expensive than Ubud, Bali, driven mainly by Eating Out.

Both cities are pricier than the global median: Waiheke Island 40% above, Ubud, Bali 6% above.

Meal at Budget Restaurant

$15.13 NZ$25.54

$3.56 Rp 63.7K

325.00%

Three-Course Dinner for Two, Mid-Range

$79.8 NZ$135

$32.73 Rp 584.5K

143.90%

Fast Food Meal (McDonalds, etc)

$9.87 NZ$16.66

$4.95 Rp 88.4K

99.39%

Cappuccino

$3.43 NZ$5.80

$2.71 Rp 48.4K

26.57%

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

$2.33 NZ$3.94

$1.34 Rp 24.0K

73.88%

Water (0.33 liter bottle)

$2.01 NZ$3.40

$0.70 Rp 12.5K

187.14%

Local Beer (0.5 liter draught)

$7.44 NZ$12.57

$2.92 Rp 52.1K

154.79%

Imported Beer (0.33 liter bottle)

$6.31 NZ$10.66

$3.96 Rp 70.7K

59.34%

Milk (1 liter)

$1.89 NZ$3.19

$1.81 Rp 32.3K

4.42%

White Bread (500g)

$2.01 NZ$3.40

$2.52 Rp 45.0K

-20.24%

Rice (white) (1kg)

$1.90 NZ$3.21

$1.16 Rp 20.7K

63.79%

Eggs

$6.05 NZ$10.21

$2.46 Rp 43.9K

145.93%

Local Cheese (1kg)

$8.24 NZ$13.91

$14.71 Rp 262.7K

-43.98%

Chicken Fillets (1kg)

$9.78 NZ$16.52

$4.32 Rp 77.1K

126.39%

Beef Round Steak (1kg)

$12.73 NZ$21.50

$12.14 Rp 216.7K

4.86%

Apples (1kg)

$2.77 NZ$4.67

$3.84 Rp 68.6K

-27.86%

Banana (1kg)

$2.18 NZ$3.68

$1.56 Rp 27.8K

39.74%

Oranges (1kg)

$3.12 NZ$5.27

$2.83 Rp 50.6K

10.25%

Tomato (1kg)

$4.73 NZ$7.99

$2.33 Rp 41.5K

103.00%

Potato (1kg)

$2.04 NZ$3.45

$1.91 Rp 34.2K

6.81%

Onion (1kg)

$1.87 NZ$3.15

$2.20 Rp 39.3K

-15.00%

Lettuce (1 head)

$2.19 NZ$3.69

$1.01 Rp 18.1K

116.83%

Water (1.5 liter bottle)

$1.15 NZ$1.93

$0.78 Rp 13.8K

47.44%

Cigarettes 20 Pack (Marlboro, Camel)

$24.03 NZ$40.57

$3.32 Rp 59.2K

623.80%

Wine (Bottle)

$10.87 NZ$18.35

$23.74 Rp 423.9K

-54.21%

Local Beer (0.5 liter bottle)

$2.57 NZ$4.35

$2.79 Rp 49.8K

-7.89%

Imported Beer (0.33 liter bottle)

$3.54 NZ$5.98

$2.86 Rp 51.1K

23.78%

One-way Ticket (Public Transport)

$2.16 NZ$3.64

$0.27 Rp 4,800

700.00%

Public Transport Monthly Pass (Regular Price)

$63.0 NZ$106

$8.03 Rp 143.4K

684.06%

Taxi Start (Normal Tariff)

$2.67 NZ$4.51

$0.46 Rp 8,150

480.43%

Taxi (Normal Tariff) (1km)

$1.85 NZ$3.13

$0.45 Rp 8,037

311.11%

Taxi 1hour Waiting (Normal Tariff)

$34.57 NZ$58.4

$6.10 Rp 108.9K

466.72%

Gasoline (1 liter)

$1.66 NZ$2.81

$0.79 Rp 14.2K

110.13%

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

$28.6K NZ$48.3K

$26.1K Rp 467.0M

9.35%

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

$22.1K NZ$37.3K

$32.1K Rp 573.6M

-31.20%

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

$143 NZ$241

$79.9 Rp 1.4M

78.45%

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

$36.49 NZ$61.6

$4.06 Rp 72.6K

798.77%

Internet (50+ Mbps, Unlimited Data)

$51.2 NZ$86.5

$23.52 Rp 420.0K

117.81%

Gym Membership (Monthly)

$36.26 NZ$61.2

$98.7 Rp 1.8M

-63.26%

Tennis Court (1 Hour on Weekend)

$11.89 NZ$20.08

$6.63 Rp 118.4K

79.34%

Cinema Ticket

$10.73 NZ$18.12

$4.15 Rp 74.1K

158.55%

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

$736 NZ$1,242

$304 Rp 5.4M

142.04%

International Primary School, 1 Child (Yearly)

$12.0K NZ$20.3K

$6,613 Rp 118.1M

81.63%

Jeans (Levis 501 Or Similar)

$68.8 NZ$116

$55.5 Rp 991.8K

23.91%

Summer Dress (H&M, Zara, etc)

$38.36 NZ$64.8

$38.31 Rp 684.1K

0.13%

Sport Shoes (Adidas, Nike)

$96.3 NZ$163

$88.6 Rp 1.6M

8.66%

Men's Leather Business Shoes

$117 NZ$198

$77.9 Rp 1.4M

50.31%

1-bedroom Apartment, City Center (Monthly)

$965 NZ$1,630

$1,006 Rp 18.0M

-4.08%

1-bedroom Apartment, Outside City Center (Monthly)

$801 NZ$1,352

$675 Rp 12.1M

18.61%

3-bedroom Apartment, City Center (Monthly)

$1,596 NZ$2,694

$3,442 Rp 61.5M

-53.64%

3-bedroom Apartment, Outside City Center (Monthly)

$1,422 NZ$2,400

$2,039 Rp 36.4M

-30.29%

Buy Apartment in City Center (m2)

$4,714 NZ$7,958

$2,841 Rp 50.7M

65.91%

Buy Apartment Outside City Center (m2)

$3,580 NZ$6,045

$2,264 Rp 40.4M

58.16%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

6.74

13.28

-49.25%

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

Last update for Waiheke Island: June 2, 2026

Last update for Ubud, Bali: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $965 in Waiheke Island and $1,006 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $80.0 in Waiheke Island vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $320 vs $302 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

Waiheke Island vs Ubud, Bali: Cost of Living - Frequently Asked Questions

Ubud, Bali wins on cost – living expenses run 32% lower than in Waiheke Island. 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 $2,819 in Waiheke Island and $2,129 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: $965 in Waiheke Island versus $1,006 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $736 in Waiheke Island versus $304 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Waiheke Island. For households that cook at home regularly, that difference adds up over a month.

At $1,419 in Ubud, Bali versus $1,880 in Waiheke Island, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waiheke Island. 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 $1,419 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Waiheke Island 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 32% less than in Waiheke Island. Beyond cost, consider language, visa policies, and how big the international community is in each city.