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Cost of Living in Masterton - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $762 (excluding rent), and $1,522 including rent.
Family of 3: Estimated monthly costs are $2,191 (excluding rent), and $3,374 including rent.
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🍽 Eating Out
Cost
Range
Meal at Budget Restaurant
$9.69 NZ$16.93
$5.88 NZ$10.26
$29.38 NZ$51.3
Three-Course Dinner for Two, Mid-Range
$89.7 NZ$157
$53.8 NZ$93.9
$179 NZ$313
Fast Food Meal (McDonalds, etc)
$8.81 NZ$15.39
$8.81 NZ$15.39
$14.69 NZ$25.66
Cappuccino
$3.17 NZ$5.54
$2.67 NZ$4.66
$4.16 NZ$7.26
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$2.15 NZ$3.76
$1.85 NZ$3.22
$3.07 NZ$5.36
Water (0.33 liter bottle)
$1.59 NZ$2.78
$1.2 NZ$2.09
$2.98 NZ$5.2
Local Beer (0.5 liter draught)
$3.59 NZ$6.27
$2.99 NZ$5.22
$8.97 NZ$15.67
Imported Beer (0.33 liter bottle)
$4.32 NZ$7.54
$3.08 NZ$5.38
$9.25 NZ$16.15
🛒 Groceries & Markets
Cost
Range
Milk (1 liter)
$1.53 NZ$2.67
$0.85 NZ$1.48
$2.9 NZ$5.05
White Bread (500g)
$1.62 NZ$2.83
$0.74 NZ$1.28
$5.33 NZ$9.3
Rice (white) (1kg)
$1.2 NZ$2.1
$1.08 NZ$1.88
$1.99 NZ$3.48
Eggs
$6.32 NZ$11.04
$5.95 NZ$10.39
$7.44 NZ$13
Local Cheese (1kg)
$7.27 NZ$12.7
$5.48 NZ$9.56
$13.38 NZ$23.37
Chicken Fillets (1kg)
$9.02 NZ$15.75
$5.33 NZ$9.31
$18.05 NZ$31.51
Beef Round Steak (1kg)
$12.21 NZ$21.32
$7.45 NZ$13
$26.5 NZ$46.27
Apples (1kg)
$1.85 NZ$3.22
$1.23 NZ$2.15
$3.68 NZ$6.43
Banana (1kg)
$1.9 NZ$3.31
$1.61 NZ$2.81
$2.47 NZ$4.32
Oranges (1kg)
$2.53 NZ$4.42
$1.23 NZ$2.15
$5.51 NZ$9.62
Tomato (1kg)
$3.35 NZ$5.85
$1.49 NZ$2.6
$5.94 NZ$10.38
Potato (1kg)
$1.45 NZ$2.52
$1.23 NZ$2.15
$3.68 NZ$6.43
Onion (1kg)
$1.21 NZ$2.11
$0.92 NZ$1.6
$3.06 NZ$5.35
Lettuce (1 head)
$1.83 NZ$3.19
$1.22 NZ$2.13
$3.35 NZ$5.85
Water (1.5 liter bottle)
$0.84 NZ$1.47
$0.52 NZ$0.91
$2.33 NZ$4.07
Cigarettes 20 Pack (Marlboro, Camel)
$20.61 NZ$36
$18.33 NZ$32
$25.66 NZ$44.8
Wine (Bottle)
$8.63 NZ$15.07
$5.75 NZ$10.05
$11.52 NZ$20.11
Local Beer (0.5 liter bottle)
$2.25 NZ$3.93
$0.94 NZ$1.65
$7.18 NZ$12.54
Imported Beer (0.33 liter bottle)
$2.65 NZ$4.62
$1.26 NZ$2.21
$4.79 NZ$8.37
🚌 Getting Around
Cost
Range
One-way Ticket (Public Transport)
$2.47 NZ$4.32
$1.4 NZ$2.44
$2.47 NZ$4.32
Public Transport Monthly Pass (Regular Price)
$65.1 NZ$114
$8.27 NZ$14.44
$65.1 NZ$114
Taxi Start (Normal Tariff)
$2.39 NZ$4.17
$2.39 NZ$4.17
$2.39 NZ$4.17
Taxi (Normal Tariff) (1km)
$1.84 NZ$3.21
$1.47 NZ$2.57
$2.83 NZ$4.93
Taxi 1hour Waiting (Normal Tariff)
$40.63 NZ$70.9
$40.63 NZ$70.9
$40.63 NZ$70.9
Gasoline (1 liter)
$1.64 NZ$2.86
$1.55 NZ$2.71
$1.79 NZ$3.12
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$24.5K NZ$42.7K
$24.5K NZ$42.7K
$27.5K NZ$48K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$23.6K NZ$41.2K
$22.7K NZ$39.5K
$27.5K NZ$48.1K
🧾 Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$81.6 NZ$143
$61.4 NZ$107
$91.7 NZ$160
SIM Card Monthly Plan (Calls and 10GB+ Data)
$32.58 NZ$56.9
$21.51 NZ$37.56
$49.18 NZ$85.9
Internet (50+ Mbps, Unlimited Data)
$48.66 NZ$85
$24.41 NZ$42.62
$97.6 NZ$170
🎉 Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$39.9 NZ$69.7
$35.47 NZ$61.9
$44.33 NZ$77.4
Tennis Court (1 Hour on Weekend)
$9.13 NZ$15.94
$4.93 NZ$8.61
$16.05 NZ$28.02
Cinema Ticket
$8.04 NZ$14.04
$5.95 NZ$10.4
$10.71 NZ$18.71
🧸 Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$410 NZ$715
$410 NZ$715
$410 NZ$715
International Primary School, 1 Child (Yearly)
$4,903 NZ$8,562
$4,903 NZ$8,562
$4,903 NZ$8,562
👕👟 Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$68.6 NZ$120
$44.75 NZ$78.1
$179 NZ$313
Summer Dress (H&M, Zara, etc)
$30.33 NZ$53
$21.22 NZ$37.06
$121 NZ$212
Sport Shoes (Adidas, Nike)
$104 NZ$181
$72.5 NZ$127
$151 NZ$264
Men's Leather Business Shoes
$117 NZ$204
$42.98 NZ$75.1
$154 NZ$268
🏠 Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$789 NZ$1,377
$728 NZ$1,271
$849 NZ$1,483
1-bedroom Apartment, Outside City Center (Monthly)
$612 NZ$1,069
$490 NZ$856
$735 NZ$1,283
3-bedroom Apartment, City Center (Monthly)
$1,256 NZ$2,194
$1,094 NZ$1,911
$1,459 NZ$2,548
3-bedroom Apartment, Outside City Center (Monthly)
$1,079 NZ$1,884
$959 NZ$1,675
$1,199 NZ$2,094
💵 Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$1,844 NZ$3,220
-
20-Year Fixed Mortgage Interest Rate (Annual %)
6.69
5.79
7.5

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

Last update: December 1, 2025

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Cost of Living in Masterton - Frequently Asked Questions
Is Masterton a good-value base for travelers, expats, and digital nomads compared with bigger cities?
Many find the Cost of Living in Masterton, New Zealand to be a sensible balance for a regional town. You usually gain more space and a calmer pace than big cities, with housing and everyday goods that feel more approachable. For remote workers and longer stays, reliable broadband, cafe ambience, and nearby outdoor recreation add value without the price pressure of major centers. Seasonal events and a close knit local scene deliver practical perks, from markets to library resources. Tip: Start with a short stay to gauge how commute and services align with your work and routines.
What does daily life look like in Masterton, including housing search, food options, transport, and errands?
Understanding the Masterton, New Zealand living cost helps you plan daily life: housing search will likely focus on areas like Lansdowne, Solway, or the town center, with options ranging from modest flats to larger homes. Grocery options include local markets and supermarkets; you can comfortably cook at home and still enjoy casual dining. Transportation tends to rely on a car, with a reliable regional bus and good cycling routes. Co-working spaces and libraries support digital work, and errands are straightforward within a compact, walkable area. Tip: Build a simple weekly routine to minimize trips.
How can you maximize quality of life and stay on budget while living in Masterton across seasons and neighborhoods?
Quality of life in Masterton depends on how you tune budgeting to the seasons and your neighborhood fit. Start with a practical framework: set a core monthly budget for rent, utilities, groceries, transport, and connectivity, then allocate a flexible category for dining and recreation. Embrace seasonal produce from markets to stretch meals, and plan weekend outings around the lake, hills, and parks for cost-free activity. If you prefer quiet, choose suburbs near open spaces; if you crave energy, stay close to the town center. Tip: keep a rotating list of affordable local activity ideas to rotate through each month.

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