Last update: Oct 2026

Cost of Living Comparison Between Waihi and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,368 a month against $1,911 in Waihi, rent and utilities included – about $6,500 less a year. Other living expenses account for most of the difference.

90

Cost of Living Index in Waihi
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Waihi Living Index
67

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

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Waihi

🇳🇿 New Zealand

$1,911

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,368

/mo nomad

Monthly Cost of Living

How much you'll spend in Waihi 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 Waihi and in Ubud, Bali actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,911 in Waihi versus $1,368 in Ubud, Bali.

Waihi $1,911
Ubud, Bali $1,368

Estimated couple costs with rent: $2,937 in Waihi versus $2,314 in Ubud, Bali.

Waihi $2,937
Ubud, Bali $2,314

Monthly costs for a family of three with rent: $3,963 in Waihi versus $3,260 in Ubud, Bali.

Waihi $3,963
Ubud, Bali $3,260

Living in Waihi is roughly 40% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Waihi 42% above, Ubud, Bali 1% above.

Meal at Budget Restaurant

$12.00 NZ$21.22

$3.33 Rp 59.9K

260.36%

Three-Course Dinner for Two, Mid-Range

$59.7 NZ$105

$35.18 Rp 633.2K

69.56%

Fast Food Meal (McDonalds, etc)

$8.35 NZ$14.77

$5.80 Rp 104.5K

43.97%

Cappuccino

$3.69 NZ$6.53

$2.73 Rp 49.1K

35.16%

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

$2.22 NZ$3.92

$1.64 Rp 29.5K

35.37%

Water (0.33 liter bottle)

$2.04 NZ$3.61

$0.83 Rp 15.0K

145.78%

Local Beer (0.5 liter draught)

$5.72 NZ$10.12

$2.70 Rp 48.6K

111.85%

Imported Beer (0.33 liter bottle)

$6.49 NZ$11.47

$4.30 Rp 77.4K

50.93%

Milk (1 liter)

$1.93 NZ$3.41

$1.50 Rp 27.1K

28.67%

White Bread (500g)

$1.78 NZ$3.16

$2.30 Rp 41.4K

-22.61%

Rice (white) (1kg)

$1.62 NZ$2.86

$1.18 Rp 21.2K

37.29%

Eggs

$5.12 NZ$9.06

$2.14 Rp 38.6K

139.25%

Local Cheese (1kg)

$9.35 NZ$16.53

$17.48 Rp 314.6K

-46.51%

Chicken Fillets (1kg)

$8.53 NZ$15.09

$4.03 Rp 72.5K

111.66%

Beef Round Steak (1kg)

$12.78 NZ$22.60

$12.23 Rp 220.1K

4.50%

Apples (1kg)

$2.80 NZ$4.95

$3.55 Rp 63.9K

-21.13%

Banana (1kg)

$2.25 NZ$3.98

$1.57 Rp 28.3K

43.31%

Oranges (1kg)

$3.16 NZ$5.59

$2.24 Rp 40.2K

41.07%

Tomato (1kg)

$5.86 NZ$10.36

$1.93 Rp 34.7K

203.63%

Potato (1kg)

$1.97 NZ$3.49

$1.88 Rp 33.9K

4.79%

Onion (1kg)

$1.58 NZ$2.79

$2.29 Rp 41.3K

-31.00%

Lettuce (1 head)

$2.32 NZ$4.10

$0.99 Rp 17.9K

134.34%

Water (1.5 liter bottle)

$1.12 NZ$1.97

$0.53 Rp 9,475

111.32%

Cigarettes 20 Pack (Marlboro, Camel)

$22.08 NZ$39.04

$2.28 Rp 41.1K

868.42%

Wine (Bottle)

$9.83 NZ$17.38

$23.01 Rp 414.2K

-57.28%

Local Beer (0.5 liter bottle)

$3.03 NZ$5.35

$2.34 Rp 42.2K

29.49%

Imported Beer (0.33 liter bottle)

$3.14 NZ$5.55

$2.91 Rp 52.4K

7.90%

One-way Ticket (Public Transport)

$1.93 NZ$3.41

$0.24 Rp 4,315

704.17%

Public Transport Monthly Pass (Regular Price)

$85.1 NZ$151

$8.82 Rp 158.7K

865.08%

Taxi Start (Normal Tariff)

$1.96 NZ$3.47

$0.48 Rp 8,684

308.33%

Taxi (Normal Tariff) (1km)

$1.99 NZ$3.53

$0.46 Rp 8,233

332.61%

Taxi 1hour Waiting (Normal Tariff)

$27.15 NZ$48.02

$5.45 Rp 98.2K

398.17%

Gasoline (1 liter)

$1.72 NZ$3.04

$0.88 Rp 15.9K

95.45%

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

$21.9K NZ$38.7K

$24.6K Rp 442.2M

-10.86%

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

$19.8K NZ$35.0K

$31.2K Rp 561.4M

-36.53%

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

$117 NZ$206

$83.0 Rp 1.5M

40.50%

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

$31.18 NZ$55.1

$6.45 Rp 116.0K

383.41%

Internet (50+ Mbps, Unlimited Data)

$56.0 NZ$99.1

$18.57 Rp 334.2K

201.62%

Gym Membership (Monthly)

$35.97 NZ$63.6

$55.8 Rp 1.0M

-35.56%

Tennis Court (1 Hour on Weekend)

$18.11 Rp 326.0K

Cinema Ticket

$11.32 NZ$20.02

$4.38 Rp 78.9K

158.45%

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

$647 NZ$1,144

$493 Rp 8.9M

31.19%

International Primary School, 1 Child (Yearly)

$16.8K NZ$29.6K

$5,754 Rp 103.6M

191.22%

Jeans (Levis 501 Or Similar)

$56.9 NZ$101

$46.19 Rp 831.4K

23.27%

Summer Dress (H&M, Zara, etc)

$38.94 NZ$68.9

$35.33 Rp 636.0K

10.22%

Sport Shoes (Adidas, Nike)

$106 NZ$187

$79.1 Rp 1.4M

33.49%

Men's Leather Business Shoes

$108 NZ$190

$78.4 Rp 1.4M

37.22%

1-bedroom Apartment, City Center (Monthly)

$1,031 NZ$1,823

$1,142 Rp 20.6M

-9.75%

1-bedroom Apartment, Outside City Center (Monthly)

$865 NZ$1,530

$676 Rp 12.2M

28.01%

3-bedroom Apartment, City Center (Monthly)

$1,621 NZ$2,867

$3,503 Rp 63.1M

-53.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,616 NZ$2,858

$1,700 Rp 30.6M

-4.94%

Buy Apartment in City Center (m2)

$4,404 NZ$7,789

$2,784 Rp 50.1M

58.19%

Buy Apartment Outside City Center (m2)

$3,353 NZ$5,929

$2,241 Rp 40.3M

49.64%

Average Monthly Net Salary (After Tax)

$165 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.57

13.78

-59.58%

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

Last update for Waihi: October 11, 2026

Last update for Ubud, Bali: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Waihi

$865 45.3%

Ubud, Bali

$676 49.4% 21.9% $189

Groceries & Markets

Waihi

$315 16.5%

Ubud, Bali

$290 21.2% 7.9% $25

Eating Out

Waihi

$224 11.7%

Ubud, Bali

$109 8% 51.4% $115

Monthly Utilities & Internet

Waihi

$204 10.7%

Ubud, Bali

$108 7.9% 47% $96

Clothing & Footwear

Waihi

$139 7.3%

Ubud, Bali

$108 7.9% 22.7% $32

Getting Around

Waihi

$105 5.5%

Ubud, Bali

$13 0.9% 88% $92

Sport & Entertainment

Waihi

$59 3.1%

Ubud, Bali

$65 4.7% 10.2% $6

Cost Breakdown

A one-bedroom apartment in the center runs $1,031 in Waihi and $1,142 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $60.0 in Waihi vs $35.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $315 vs $290 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Waihi

🇮🇩 Ubud, Bali

🕒 Local time

10:14 10:14 AM

05:14 5:14 AM

5 h behind Waihi

🌤 Weather

👥 Population

4,700

74,800

💱 Currency

New Zealand Dollar NZD $

Indonesian Rupiah IDR Rp

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

100,000 IDR = 5.56 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 October 18, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Indonesian Rupiah exchange rates as of October 18, 2026: 1 USD = 18,000 IDR (100,000 IDR = 5.56 USD). 1 EUR = 20,236 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Waihi Ubud, Bali 6,850 km ≈ 9 h nonstop flight

From you

Waihi
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

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

Ubud, Bali wins on cost – living expenses run 40% lower than in Waihi. 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 $2,866 in Waihi and $2,051 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: $1,031 in Waihi versus $1,142 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $647 in Waihi versus $493 in Ubud, Bali. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 9% higher in Waihi. For households that cook at home regularly, that difference adds up over a month.

At $1,368 in Ubud, Bali versus $1,911 in Waihi, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Waihi. 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, Waihi 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 40% less than in Waihi. Beyond cost, consider language, visa policies, and how big the international community is in each city.