Cost of Living Comparison Between Wairoa and Ubud, Bali Cost of Living Comparison Between Wairoa and Ubud, Bali

Monthly Cost of Living

Monthly costs for one person with rent: $1,858 in Wairoa versus $1,404 in Ubud, Bali.

Estimated couple costs with rent: $2,880 in Wairoa versus $2,549 in Ubud, Bali.

Monthly costs for a family of three with rent: $3,901 in Wairoa versus $3,694 in Ubud, Bali.

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

Both cities are pricier than the global median: Wairoa 38% above, Ubud, Bali 4% above.

Meal at Budget Restaurant

$15.26 NZ$26.06

$3.57 Rp 64.0K

327.45%

Three-Course Dinner for Two, Mid-Range

$77.5 NZ$132

$32.50 Rp 582.3K

138.43%

Fast Food Meal (McDonalds, etc)

$9.77 NZ$16.69

$4.86 Rp 87.1K

101.03%

Cappuccino

$3.39 NZ$5.80

$2.75 Rp 49.2K

23.27%

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

$2.36 NZ$4.03

$1.32 Rp 23.7K

78.79%

Water (0.33 liter bottle)

$2.09 NZ$3.58

$0.70 Rp 12.6K

198.57%

Local Beer (0.5 liter draught)

$7.33 NZ$12.52

$2.91 Rp 52.2K

151.89%

Imported Beer (0.33 liter bottle)

$6.44 NZ$10.99

$3.79 Rp 68.0K

69.92%

Milk (1 liter)

$1.86 NZ$3.18

$1.71 Rp 30.6K

8.77%

White Bread (500g)

$1.98 NZ$3.38

$2.47 Rp 44.3K

-19.84%

Rice (white) (1kg)

$1.82 NZ$3.10

$1.20 Rp 21.5K

51.67%

Eggs

$6.17 NZ$10.53

$2.44 Rp 43.8K

152.87%

Local Cheese (1kg)

$8.19 NZ$13.99

$14.38 Rp 257.7K

-43.05%

Chicken Fillets (1kg)

$9.60 NZ$16.38

$4.31 Rp 77.1K

122.74%

Beef Round Steak (1kg)

$12.93 NZ$22.08

$12.21 Rp 218.7K

5.90%

Apples (1kg)

$2.70 NZ$4.61

$3.68 Rp 66.0K

-26.63%

Banana (1kg)

$2.28 NZ$3.90

$1.55 Rp 27.8K

47.10%

Oranges (1kg)

$2.97 NZ$5.06

$2.79 Rp 49.9K

6.45%

Tomato (1kg)

$4.67 NZ$7.97

$2.33 Rp 41.8K

100.43%

Potato (1kg)

$2.00 NZ$3.41

$1.97 Rp 35.3K

1.52%

Onion (1kg)

$1.89 NZ$3.23

$2.31 Rp 41.4K

-18.18%

Lettuce (1 head)

$2.20 NZ$3.75

$1.06 Rp 19.1K

107.55%

Water (1.5 liter bottle)

$1.10 NZ$1.87

$0.73 Rp 13.1K

50.68%

Cigarettes 20 Pack (Marlboro, Camel)

$24.41 NZ$41.69

$3.28 Rp 58.8K

644.21%

Wine (Bottle)

$9.18 NZ$15.68

$22.79 Rp 408.4K

-59.72%

Local Beer (0.5 liter bottle)

$2.47 NZ$4.22

$2.81 Rp 50.3K

-12.10%

Imported Beer (0.33 liter bottle)

$3.57 NZ$6.09

$2.78 Rp 49.9K

28.42%

One-way Ticket (Public Transport)

$2.10 NZ$3.58

$0.29 Rp 5,217

624.14%

Public Transport Monthly Pass (Regular Price)

$62.9 NZ$107

$8.06 Rp 144.4K

680.89%

Taxi Start (Normal Tariff)

$2.65 NZ$4.52

$0.45 Rp 8,047

488.89%

Taxi (Normal Tariff) (1km)

$1.87 NZ$3.20

$0.45 Rp 8,094

315.56%

Taxi 1hour Waiting (Normal Tariff)

$35.56 NZ$60.7

$6.24 Rp 111.7K

469.87%

Gasoline (1 liter)

$1.65 NZ$2.82

$0.85 Rp 15.2K

94.12%

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

$28.2K NZ$48.1K

$26.0K Rp 465.4M

8.49%

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

$22.3K NZ$38.1K

$31.7K Rp 567.2M

-29.52%

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

$141 NZ$240

$80.8 Rp 1.4M

74.17%

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

$35.31 NZ$60.3

$4.06 Rp 72.7K

769.70%

Internet (50+ Mbps, Unlimited Data)

$51.3 NZ$87.6

$24.42 Rp 437.6K

110.11%

Gym Membership (Monthly)

$36.38 NZ$62.1

$97.7 Rp 1.7M

-62.75%

Tennis Court (1 Hour on Weekend)

$12.24 NZ$20.90

$6.45 Rp 115.5K

89.77%

Cinema Ticket

$10.73 NZ$18.32

$4.04 Rp 72.4K

165.59%

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

$729 NZ$1,244

$304 Rp 5.4M

139.63%

International Primary School, 1 Child (Yearly)

$11.9K NZ$20.4K

$6,621 Rp 118.6M

80.39%

Jeans (Levis 501 Or Similar)

$67.4 NZ$115

$54.2 Rp 971.7K

24.29%

Summer Dress (H&M, Zara, etc)

$37.08 NZ$63.3

$38.78 Rp 694.7K

-4.38%

Sport Shoes (Adidas, Nike)

$95.7 NZ$163

$86.1 Rp 1.5M

11.13%

Men's Leather Business Shoes

$117 NZ$200

$76.7 Rp 1.4M

52.59%

1-bedroom Apartment, City Center (Monthly)

$979 NZ$1,672

$986 Rp 17.7M

-0.64%

1-bedroom Apartment, Outside City Center (Monthly)

$786 NZ$1,343

$658 Rp 11.8M

19.51%

3-bedroom Apartment, City Center (Monthly)

$1,595 NZ$2,723

$3,369 Rp 60.4M

-52.67%

3-bedroom Apartment, Outside City Center (Monthly)

$1,413 NZ$2,413

$2,066 Rp 37.0M

-31.60%

Buy Apartment in City Center (m2)

$4,822 NZ$8,234

$2,741 Rp 49.1M

75.89%

Buy Apartment Outside City Center (m2)

$2,947 NZ$5,032

$2,228 Rp 39.9M

32.29%

Average Monthly Net Salary (After Tax)

$163 Rp 2.9M

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 Wairoa: June 8, 2026

Last update for Ubud, Bali: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $979 in Wairoa and $986 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $77.0 in Wairoa vs $33.00 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $314 vs $297 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

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

Ubud, Bali wins on cost – living expenses run 32% lower than in Wairoa. 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 $2,787 in Wairoa and $2,106 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: $979 in Wairoa versus $986 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $729 in Wairoa 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 Wairoa. For households that cook at home regularly, that difference adds up over a month.

At $1,404 in Ubud, Bali versus $1,858 in Wairoa, a $1,000 budget is realistic in Ubud, Bali but tight or insufficient in Wairoa. 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 $1,404 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Ubud, Bali hard to pass up.

Safety-wise, Wairoa 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 Wairoa. Beyond cost, consider language, visa policies, and how big the international community is in each city.