Cost of Living in Napier - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $969 (excluding rent), and $1,971 including rent.

Family of 3: Estimated monthly costs are $2,935 (excluding rent), and $4,320 including rent.

Meal at Budget Restaurant

$19.60 NZ$34.11

$11.88 NZ$20.67

$29.70 NZ$51.7

Three-Course Dinner for Two, Mid-Range

$98.1 NZ$171

$59.5 NZ$103

$178 NZ$310

Fast Food Meal (McDonalds, etc)

$11.13 NZ$19.36

$9.01 NZ$15.68

$15.02 NZ$26.14

Cappuccino

$3.59 NZ$6.25

$3.29 NZ$5.73

$4.19 NZ$7.29

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

$2.32 NZ$4.03

$1.78 NZ$3.11

$2.97 NZ$5.17

Water (0.33 liter bottle)

$2.28 NZ$3.96

$1.86 NZ$3.24

$3.10 NZ$5.39

Local Beer (0.5 liter draught)

$7.10 NZ$12.35

$5.91 NZ$10.29

$8.86 NZ$15.42

Imported Beer (0.33 liter bottle)

$6.49 NZ$11.29

$5.26 NZ$9.15

$9.26 NZ$16.12

Milk (1 liter)

$1.75 NZ$3.04

$0.86 NZ$1.49

$2.92 NZ$5.08

White Bread (500g)

$1.62 NZ$2.82

$0.74 NZ$1.28

$2.66 NZ$4.63

Rice (white) (1kg)

$1.81 NZ$3.15

$1.03 NZ$1.80

$1.91 NZ$3.32

Eggs

$6.19 NZ$10.77

$5.83 NZ$10.14

$7.29 NZ$12.68

Local Cheese (1kg)

$8.14 NZ$14.16

$5.98 NZ$10.41

$13.17 NZ$22.91

Chicken Fillets (1kg)

$9.20 NZ$16.01

$5.44 NZ$9.46

$12.08 NZ$21.01

Beef Round Steak (1kg)

$12.54 NZ$21.81

$7.65 NZ$13.31

$15.28 NZ$26.60

Apples (1kg)

$2.52 NZ$4.39

$1.24 NZ$2.15

$3.69 NZ$6.42

Banana (1kg)

$1.90 NZ$3.30

$1.61 NZ$2.80

$2.47 NZ$4.30

Oranges (1kg)

$2.56 NZ$4.45

$1.86 NZ$3.24

$5.57 NZ$9.69

Tomato (1kg)

$3.38 NZ$5.88

$1.50 NZ$2.61

$4.79 NZ$8.34

Potato (1kg)

$2.15 NZ$3.74

$1.23 NZ$2.14

$3.69 NZ$6.42

Onion (1kg)

$2.22 NZ$3.86

$0.91 NZ$1.58

$3.03 NZ$5.28

Lettuce (1 head)

$2.04 NZ$3.54

$1.18 NZ$2.05

$3.23 NZ$5.63

Water (1.5 liter bottle)

$1.25 NZ$2.17

$0.59 NZ$1.02

$2.37 NZ$4.12

Cigarettes 20 Pack (Marlboro, Camel)

$20.70 NZ$36.01

$18.40 NZ$32.01

$25.76 NZ$44.82

Wine (Bottle)

$8.74 NZ$15.21

$6.41 NZ$11.15

$11.66 NZ$20.30

Local Beer (0.5 liter bottle)

$2.47 NZ$4.30

$1.20 NZ$2.10

$7.28 NZ$12.66

Imported Beer (0.33 liter bottle)

$2.65 NZ$4.61

$1.50 NZ$2.62

$4.80 NZ$8.35

One-way Ticket (Public Transport)

$1.76 NZ$3.07

$1.33 NZ$2.31

$2.35 NZ$4.09

Public Transport Monthly Pass (Regular Price)

$47.68 NZ$83.0

$8.05 NZ$14.00

$47.68 NZ$83.0

Taxi Start (Normal Tariff)

$2.75 NZ$4.78

$1.84 NZ$3.20

$3.05 NZ$5.31

Taxi (Normal Tariff) (1km)

$1.67 NZ$2.91

$1.45 NZ$2.53

$2.78 NZ$4.84

Taxi 1hour Waiting (Normal Tariff)

$34.72 NZ$60.4

$29.68 NZ$51.6

$35.62 NZ$62.0

Gasoline (1 liter)

$1.69 NZ$2.95

$1.58 NZ$2.76

$1.72 NZ$3.00

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

$27.4K NZ$47.7K

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

$23.1K NZ$40.2K

$22.2K NZ$38.6K

$24.0K NZ$41.8K

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

$200 NZ$348

$110 NZ$191

$337 NZ$587

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

$38.01 NZ$66.1

$21.45 NZ$37.32

$49.04 NZ$85.3

Internet (50+ Mbps, Unlimited Data)

$48.38 NZ$84.2

$42.47 NZ$73.9

$60.7 NZ$106

Gym Membership (Monthly)

$37.56 NZ$65.4

$29.65 NZ$51.6

$38.54 NZ$67.1

Tennis Court (1 Hour on Weekend)

$11.34 NZ$19.73

$4.77 NZ$8.30

$15.51 NZ$26.99

Cinema Ticket

$8.87 NZ$15.43

$7.69 NZ$13.38

$10.65 NZ$18.52

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

$769 NZ$1,338

$431 NZ$750

$1,071 NZ$1,864

International Primary School, 1 Child (Yearly)

$12.2K NZ$21.2K

$10.4K NZ$18.0K

$15.3K NZ$26.5K

Jeans (Levis 501 Or Similar)

$97.8 NZ$170

$44.45 NZ$77.3

$178 NZ$309

Summer Dress (H&M, Zara, etc)

$57.3 NZ$99.8

$21.12 NZ$36.75

$121 NZ$210

Sport Shoes (Adidas, Nike)

$105 NZ$183

$73.5 NZ$128

$122 NZ$213

Men's Leather Business Shoes

$129 NZ$224

$42.44 NZ$73.8

$152 NZ$264

1-bedroom Apartment, City Center (Monthly)

$1,300 NZ$2,261

$1,108 NZ$1,928

$1,412 NZ$2,457

1-bedroom Apartment, Outside City Center (Monthly)

$770 NZ$1,340

$246 NZ$427

$1,228 NZ$2,137

3-bedroom Apartment, City Center (Monthly)

$1,568 NZ$2,728

$1,182 NZ$2,057

$1,921 NZ$3,343

3-bedroom Apartment, Outside City Center (Monthly)

$1,628 NZ$2,834

$1,571 NZ$2,734

$1,780 NZ$3,096

Buy Apartment in City Center (m2)

$2,362 NZ$4,110

$1,314 NZ$2,287

$3,772 NZ$6,563

Buy Apartment Outside City Center (m2)

$1,941 NZ$3,378

$1,142 NZ$1,987

$2,855 NZ$4,967

Average Monthly Net Salary (After Tax)

$3,148 NZ$5,477

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: January 13, 2026

Napier Median Internet Speeds (Updated December 2025)

Mobile

Mbps

Fixed Broadband

195

Mbps

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

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Cost of Living in Napier - Frequently Asked Questions

Napier offers a relaxed coastal lifestyle with a value-forward profile compared with bigger centers like Auckland or Wellington. For travelers, expats, and digital nomads, groceries and casual dining sit at reasonable levels, and utilities are predictable. Housing tends to favor light-filled apartments in waterfront or inner-district pockets and family homes in quieter suburbs, with options for short- and long-term stays. Seasonality matters: peak tourist months can lift rents and services, while winter brings quieter streets and the chance for better deals. Cost of Living in Napier, New Zealand gives you a practical benchmark for planning. Tip: Map your must-haves and test several neighborhoods during a first-week recon.

Daily life in Napier blends a small-city vibe with coastal accessibility and a thriving cafe culture. When you search housing, start in the Art Deco core, Ahuriri, or Taradale for a range of spaces, then expand if you want more room. Shopping is convenient, with farmers markets and fish markets that highlight local produce. Getting around is easy by foot or bike, with reliable public transport and an active ride-share scene for evenings out. If you work remotely, there are several coworking spots with fast Wi-Fi and pleasant, breezy work environments. Napier, New Zealand living cost is a useful lens for planning. Tip: visit on weekdays and weekends to feel the neighborhood tempo.

Quality of life in Napier, New Zealand shines through accessible outdoor spaces, a walkable downtown, and a calendar of cultural events. Budgeting is about balancing essentials with leisure: factor in varied dining options – from casual cafes to waterfront meals – plus occasional weekend trips to the nearby countryside. For long stays, set a neighborhood baseline – Napier Central for nightlife and convenience, Ahuriri for a scenic, slower pace, or Taradale for a family-friendly vibe. Seasonal crowds peak during holidays, so plan around service levels and availability. Build a simple framework: track rent, groceries, transport, and coworking costs, then adjust as you explore. Tip: use a one-page monthly budget to compare quarters.