Last update: Oct 2026

Cost of Living Comparison Between Wairoa and Ubud, Bali

For one person, living is cheaper in Ubud, Bali: $1,349 a month against $1,974 in Wairoa, rent and utilities included – about $7,500 less a year. Other living expenses account for most of the difference.

96

Cost of Living Index in Wairoa
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Wairoa Living Index
65

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

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Wairoa

🇳🇿 New Zealand

$1,974

/mo nomad

Ubud, Bali

🇮🇩 Indonesia

$1,349

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,974 in Wairoa versus $1,349 in Ubud, Bali.

Wairoa $1,974
Ubud, Bali $1,349

Estimated couple costs with rent: $3,023 in Wairoa versus $2,305 in Ubud, Bali.

Wairoa $3,023
Ubud, Bali $2,305

Monthly costs for a family of three with rent: $4,072 in Wairoa versus $3,261 in Ubud, Bali.

Wairoa $4,072
Ubud, Bali $3,261

Living in Wairoa is roughly 46% more expensive than in Ubud, Bali, and outside of rent the biggest gap is in eating out.

Meal at Budget Restaurant

$15.18 NZ$26.98

$3.32 Rp 60.3K

357.23%

Three-Course Dinner for Two, Mid-Range

$73.9 NZ$131

$35.64 Rp 646.5K

107.21%

Fast Food Meal (McDonalds, etc)

$8.86 NZ$15.76

$5.53 Rp 100.4K

60.22%

Cappuccino

$3.53 NZ$6.27

$2.72 Rp 49.3K

29.78%

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

$2.31 NZ$4.11

$1.70 Rp 30.9K

35.88%

Water (0.33 liter bottle)

$1.79 NZ$3.19

$0.76 Rp 13.8K

135.53%

Local Beer (0.5 liter draught)

$6.35 NZ$11.29

$2.65 Rp 48.1K

139.62%

Imported Beer (0.33 liter bottle)

$5.65 NZ$10.05

$4.38 Rp 79.5K

29.00%

Milk (1 liter)

$1.61 NZ$2.86

$1.49 Rp 27.0K

8.05%

White Bread (500g)

$1.86 NZ$3.31

$2.28 Rp 41.3K

-18.42%

Rice (white) (1kg)

$1.67 NZ$2.97

$1.19 Rp 21.6K

40.34%

Eggs

$4.99 NZ$8.87

$2.04 Rp 36.9K

144.61%

Local Cheese (1kg)

$7.37 NZ$13.10

$17.70 Rp 321.1K

-58.36%

Chicken Fillets (1kg)

$9.35 NZ$16.62

$3.96 Rp 71.9K

136.11%

Beef Round Steak (1kg)

$16.53 NZ$29.38

$12.19 Rp 221.1K

35.60%

Apples (1kg)

$2.74 NZ$4.87

$3.66 Rp 66.3K

-25.14%

Banana (1kg)

$2.47 NZ$4.38

$1.52 Rp 27.5K

62.50%

Oranges (1kg)

$3.41 NZ$6.07

$2.23 Rp 40.4K

52.91%

Tomato (1kg)

$5.70 NZ$10.14

$1.97 Rp 35.8K

189.34%

Potato (1kg)

$2.22 NZ$3.95

$1.85 Rp 33.5K

20.00%

Onion (1kg)

$1.40 NZ$2.48

$2.42 Rp 44.0K

-42.15%

Lettuce (1 head)

$2.29 NZ$4.07

$0.99 Rp 18.0K

131.31%

Water (1.5 liter bottle)

$1.17 NZ$2.08

$0.51 Rp 9,313

129.41%

Cigarettes 20 Pack (Marlboro, Camel)

$20.98 NZ$37.29

$2.22 Rp 40.3K

845.05%

Wine (Bottle)

$7.93 NZ$14.10

$22.24 Rp 403.4K

-64.34%

Local Beer (0.5 liter bottle)

$3.20 NZ$5.68

$2.26 Rp 41.0K

41.59%

Imported Beer (0.33 liter bottle)

$3.48 NZ$6.18

$2.97 Rp 53.9K

17.17%

One-way Ticket (Public Transport)

$1.91 NZ$3.40

$0.25 Rp 4,553

664.00%

Public Transport Monthly Pass (Regular Price)

$105 NZ$187

$7.82 Rp 141.9K

1243.35%

Taxi Start (Normal Tariff)

$2.19 NZ$3.89

$0.44 Rp 7,972

397.73%

Taxi (Normal Tariff) (1km)

$1.68 NZ$2.99

$0.43 Rp 7,801

290.70%

Taxi 1hour Waiting (Normal Tariff)

$31.49 NZ$56.0

$5.41 Rp 98.1K

482.07%

Gasoline (1 liter)

$1.96 NZ$3.49

$0.82 Rp 15.0K

139.02%

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

$26.3K NZ$46.7K

$23.8K Rp 432.4M

10.11%

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

$22.6K NZ$40.1K

$31.7K Rp 575.9M

-28.94%

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

$120 NZ$213

$79.1 Rp 1.4M

51.85%

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

$27.16 NZ$48.28

$6.45 Rp 116.9K

321.09%

Internet (50+ Mbps, Unlimited Data)

$47.53 NZ$84.5

$18.58 Rp 337.0K

155.81%

Gym Membership (Monthly)

$41.24 NZ$73.3

$49.48 Rp 897.5K

-16.65%

Tennis Court (1 Hour on Weekend)

$17.65 Rp 320.1K

Cinema Ticket

$11.86 NZ$21.08

$4.27 Rp 77.5K

177.75%

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

$587 NZ$1,043

$491 Rp 8.9M

19.58%

International Primary School, 1 Child (Yearly)

$14.8K NZ$26.4K

$5,674 Rp 102.9M

161.45%

Jeans (Levis 501 Or Similar)

$54.7 NZ$97.2

$44.64 Rp 809.7K

22.51%

Summer Dress (H&M, Zara, etc)

$34.11 NZ$60.6

$34.95 Rp 634.0K

-2.40%

Sport Shoes (Adidas, Nike)

$106 NZ$188

$79.9 Rp 1.4M

32.62%

Men's Leather Business Shoes

$111 NZ$197

$79.4 Rp 1.4M

39.64%

1-bedroom Apartment, City Center (Monthly)

$1,049 NZ$1,865

$1,125 Rp 20.4M

-6.71%

1-bedroom Apartment, Outside City Center (Monthly)

$882 NZ$1,567

$671 Rp 12.2M

31.32%

3-bedroom Apartment, City Center (Monthly)

$1,758 NZ$3,125

$3,565 Rp 64.7M

-50.69%

3-bedroom Apartment, Outside City Center (Monthly)

$1,545 NZ$2,746

$1,723 Rp 31.3M

-10.37%

Buy Apartment in City Center (m2)

$5,480 NZ$9,742

$2,732 Rp 49.5M

100.62%

Buy Apartment Outside City Center (m2)

$3,226 NZ$5,735

$2,284 Rp 41.4M

41.25%

Average Monthly Net Salary (After Tax)

$164 Rp 3.0M

20-Year Fixed Mortgage Interest Rate (Annual %)

5.83

13.78

-57.69%

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

Last update for Wairoa: October 25, 2026

Last update for Ubud, Bali: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Wairoa

$882 44.7%

Ubud, Bali

$672 49.8% 23.8% $210

Groceries & Markets

Wairoa

$322 16.3%

Ubud, Bali

$288 21.4% 10.4% $33

Eating Out

Wairoa

$250 12.7%

Ubud, Bali

$108 8% 56.9% $142

Monthly Utilities & Internet

Wairoa

$195 9.9%

Ubud, Bali

$104 7.7% 46.6% $91

Clothing & Footwear

Wairoa

$138 7%

Ubud, Bali

$108 8% 21.8% $30

Getting Around

Wairoa

$123 6.2%

Ubud, Bali

$11 0.9% 90.7% $112

Sport & Entertainment

Wairoa

$65 3.3%

Ubud, Bali

$58 4.3% 10.7% $6.9

Cost Breakdown

A one-bedroom apartment in the center runs $1,049 in Wairoa and $1,125 in Ubud, Bali. Housing cost is often the main lever when comparing two cities.

Dining out: $74 in Wairoa vs $36 in Ubud, Bali for a mid-range dinner for two. Groceries echo the gap at $322 vs $288 per month, with Ubud, Bali cheaper across the board.

Good to know

🇳🇿 Wairoa

🇮🇩 Ubud, Bali

🕒 Local time

13:47 1:47 PM

08:47 8:47 AM

5 h behind Wairoa

🌤 Weather

👥 Population

4,300

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 = 5.51 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 2, 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 2, 2026: 1 USD = 18,138 IDR (100,000 IDR = 5.51 USD). 1 EUR = 20,252 IDR (100,000 IDR = 4.94 EUR).

USD to NZD in detail →

On the map

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Between locations

Wairoa Ubud, Bali 7,020 km ≈ 9 h nonstop flight

From you

Wairoa
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

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 $2,961 in Wairoa 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: $1,049 in Wairoa versus $1,125 in Ubud, Bali. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $587 in Wairoa 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 12% higher in Wairoa. 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, Wairoa and Ubud, Bali are both considered safe, so it’s unlikely to be the deciding factor between them.