Cost of Living in Napier - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $841 (excluding rent), and $1,951 including rent.

Family of 3: Estimated monthly costs are $2,901 (excluding rent), and $4,404 including rent.

Meal at Budget Restaurant

$19.87 NZ$34.7

$12.04 NZ$21.03

$30.11 NZ$52.6

Three-Course Dinner for Two, Mid-Range

$97.6 NZ$170

$59.1 NZ$103

$177 NZ$310

Fast Food Meal (McDonalds, etc)

$11.14 NZ$19.45

$9.02 NZ$15.76

$15.04 NZ$26.27

Cappuccino

$3.58 NZ$6.26

$3.29 NZ$5.74

$4.18 NZ$7.29

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

$2.38 NZ$4.16

$1.84 NZ$3.2

$3.05 NZ$5.33

Water (0.33 liter bottle)

$2.18 NZ$3.81

$1.79 NZ$3.12

$2.97 NZ$5.18

Local Beer (0.5 liter draught)

$7.09 NZ$12.38

$5.91 NZ$10.31

$8.85 NZ$15.46

Imported Beer (0.33 liter bottle)

$6.24 NZ$10.9

$5.06 NZ$8.83

$8.92 NZ$15.57

Milk (1 liter)

$1.74 NZ$3.05

$0.86 NZ$1.5

$2.92 NZ$5.09

White Bread (500g)

$1.67 NZ$2.92

$0.76 NZ$1.33

$2.75 NZ$4.79

Rice (white) (1kg)

$1.9 NZ$3.31

$1.08 NZ$1.89

$2 NZ$3.49

Eggs

$6.28 NZ$10.96

$5.91 NZ$10.32

$7.39 NZ$12.9

Local Cheese (1kg)

$8.21 NZ$14.34

$6.04 NZ$10.55

$13.29 NZ$23.21

Chicken Fillets (1kg)

$9.35 NZ$16.33

$5.52 NZ$9.65

$12.27 NZ$21.43

Beef Round Steak (1kg)

$12.29 NZ$21.45

$7.49 NZ$13.09

$14.98 NZ$26.16

Apples (1kg)

$2.51 NZ$4.39

$1.23 NZ$2.15

$3.68 NZ$6.42

Banana (1kg)

$1.9 NZ$3.32

$1.61 NZ$2.82

$2.48 NZ$4.32

Oranges (1kg)

$2.46 NZ$4.29

$1.78 NZ$3.12

$5.34 NZ$9.33

Tomato (1kg)

$3.43 NZ$5.99

$1.52 NZ$2.66

$4.86 NZ$8.49

Potato (1kg)

$2.06 NZ$3.59

$1.18 NZ$2.06

$3.53 NZ$6.17

Onion (1kg)

$2.21 NZ$3.87

$0.91 NZ$1.58

$3.03 NZ$5.29

Lettuce (1 head)

$2.08 NZ$3.63

$1.2 NZ$2.1

$3.3 NZ$5.76

Water (1.5 liter bottle)

$1.25 NZ$2.18

$0.59 NZ$1.03

$2.37 NZ$4.13

Cigarettes 20 Pack (Marlboro, Camel)

$20.32 NZ$35.48

$18.06 NZ$31.54

$25.29 NZ$44.16

Wine (Bottle)

$8.46 NZ$14.78

$6.2 NZ$10.83

$11.29 NZ$19.72

Local Beer (0.5 liter bottle)

$2.41 NZ$4.22

$1.18 NZ$2.06

$7.12 NZ$12.43

Imported Beer (0.33 liter bottle)

$2.61 NZ$4.56

$1.48 NZ$2.59

$4.74 NZ$8.27

One-way Ticket (Public Transport)

$1.85 NZ$3.23

$1.39 NZ$2.42

$2.46 NZ$4.3

Public Transport Monthly Pass (Regular Price)

$48.9 NZ$85.4

$8.25 NZ$14.41

$48.9 NZ$85.4

Taxi Start (Normal Tariff)

$2.65 NZ$4.63

$1.77 NZ$3.09

$2.94 NZ$5.14

Taxi (Normal Tariff) (1km)

$1.73 NZ$3.02

$1.5 NZ$2.63

$2.88 NZ$5.04

Taxi 1hour Waiting (Normal Tariff)

$34.65 NZ$60.5

$29.62 NZ$51.7

$35.54 NZ$62.1

Gasoline (1 liter)

$1.63 NZ$2.85

$1.53 NZ$2.67

$1.66 NZ$2.9

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

$26.7K NZ$46.5K

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

$23K NZ$40.1K

$22.1K NZ$38.6K

$23.9K NZ$41.7K

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

$194 NZ$338

$107 NZ$186

$327 NZ$571

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

$36.89 NZ$64.4

$20.82 NZ$36.35

$47.6 NZ$83.1

Internet (50+ Mbps, Unlimited Data)

$48.68 NZ$85

$42.73 NZ$74.6

$61 NZ$107

Gym Membership (Monthly)

$38.74 NZ$67.6

$30.58 NZ$53.4

$39.75 NZ$69.4

Tennis Court (1 Hour on Weekend)

$11.48 NZ$20.04

$4.83 NZ$8.43

$15.71 NZ$27.43

Cinema Ticket

$9.3 NZ$16.24

$8.06 NZ$14.08

$11.16 NZ$19.49

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

$765 NZ$1,335

$429 NZ$749

$1,066 NZ$1,861

International Primary School, 1 Child (Yearly)

$12.2K NZ$21.3K

$10.4K NZ$18.1K

$15.3K NZ$26.6K

Jeans (Levis 501 Or Similar)

$98.2 NZ$172

$44.65 NZ$78

$179 NZ$312

Summer Dress (H&M, Zara, etc)

$56.5 NZ$98.7

$20.81 NZ$36.34

$119 NZ$208

Sport Shoes (Adidas, Nike)

$104 NZ$182

$72.8 NZ$127

$121 NZ$212

Men's Leather Business Shoes

$126 NZ$220

$41.46 NZ$72.4

$148 NZ$259

1-bedroom Apartment, City Center (Monthly)

$1,304 NZ$2,277

$1,112 NZ$1,941

$1,417 NZ$2,475

1-bedroom Apartment, Outside City Center (Monthly)

$764 NZ$1,334

$244 NZ$426

$1,218 NZ$2,128

3-bedroom Apartment, City Center (Monthly)

$1,569 NZ$2,740

$1,183 NZ$2,066

$1,923 NZ$3,357

3-bedroom Apartment, Outside City Center (Monthly)

$1,617 NZ$2,823

$1,560 NZ$2,724

$1,767 NZ$3,085

Buy Apartment in City Center (m2)

$2,363 NZ$4,126

$1,315 NZ$2,296

$3,773 NZ$6,588

Buy Apartment Outside City Center (m2)

$1,908 NZ$3,331

$1,122 NZ$1,960

$2,806 NZ$4,899

Average Monthly Net Salary (After Tax)

$3,124 NZ$5,454

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: November 30, 2025

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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.