Cost of Living in New Zealand

Updated On February 13, 2026
House of parliament at Wellington Capitol of New Zealand. The Beehive
Cost of Living Index:
72.9
* Based on Research & User Data

New Zealand FlagNew Zealand : Cost of Living by City

How Much Does It Cost to Live in New Zealand?

New Zealand is an island country in the southwestern Pacific Ocean, known for its high prices and a very pleasant standard of life.

The cost of living depends a great deal on where you live and on your living situation.

For example, living in Auckland is quite expensive depending on one’s average income.

Of course, it makes sense that one earns more in the big city of Auckland, but the lack of supply in housing and apartments means rentals are high and house prices are out of reach for most people.

Living out of Auckland in other smaller towns would definitely save considerable amounts of money – on rent, primarily.

Cost of Living Breakdown in New Zealand

Restaurants

RESTAURANTS

Eating out will, for sure, cost you more than cooking by yourself.

Since New Zealand is known for its relatively high prices, you can expect to eat in an inexpensive restaurant for no less than 16$.

A meal for two at a mid-range restaurant will cost you around 77.88$, while a pint of domestic beer will cost you around 6.5$.

Average Restaurant Prices
Meal (Inexpensive Restaurant) $15.90
Domestic Beer (0.5 Liter) $6.49
Water (0.33 Liter) $2.11
Markets

MARKETS

Food and essentials are relatively more expensive than in places like the UK where more competitive markets exist.

For example, only two corporations are involved in the grocery store sector and that’s why groceries cost more, too.

Vegetables, for example, are insanely expensive in winter, and you’re better off buying them in a farmer’s market.

Average Market Prices
Milk (1 Liter) $1.92
Loaf Bread (500g) $1.98
Eggs (12) $4.61
Transportation

TRANSPORTATION

Public transport is not as widespread here, which means a car is a necessity, and that – naturally, leads to more costs.

You really need a car if you want to get around Auckland and major cities, as the transport infrastructure is not that great and the motorways are congested.

A one-way ticket for public transport will cost you around 2.30$.

Average Transport Prices
One Way Ticket $2.27
Monthly Pass $106.42
Gasoline $1.83
Utilities

UTILITIES (MONTHLY)

Utilities are not too expensive in New Zealand if you look at the price of all included utilities for an apartment of a larger structure (85m2): for such an apartment, all basic utilities – including electricity, along with heating and cooling, water, gas and garbage services – costs around 140$.

Internet is pretty pricey though, amounting to 55$.

Average Utilities Prices
Basic (Water, Electricity, Garbage, Heating, Cooling) $140.57
1 min. of Prepaid Mobile Tariff Local $0.28
Internet (Unlimited Data, Cable/ADSL) $55.29
Sports and leisure

SPORTS & LEISURE

Compared with the prices of everything else, enjoying some sports and fitness activities isn’t that expensive at all.

Becoming a member of a gym or a fitness club will cost you around 40$ a month.

Going to the cinema costs nearly the same as it does in most popular European destinations – around 12$ per ticket.

Average Leisure Prices
Fitness Club, Monthly Fee for 1 Adult $41.42
Tennis Court Rent (1 Hour) $15.07
Cinema, 1 Seat, International Release $11.68
Clothing and shoes

CLOTHING & SHOES

Clothes are available at many shopping centers but are only occasionally priced at reasonable rates.

For example, a pair of quality jeans like Levi’s costs more than 70$, a pair of quality running sneakers like Nike are around 100$, while simpler items of clothing like shirts cost around 40$.

The best thing to do when it comes to shopping for clothes is to wait for a sale!

Average Clothing Prices
1 Pair of Jeans (Levis 501 Or Comparable) $71.94
1 Summer Dress in a Chain Store (Zara, etc...) $43.63
1 Pair of Adidas Walking Shoes (Mid-Range) $100.28
Rent per month

RENT PER MONTH

Rent is definitely one of the more expensive aspects of living in New Zealand.

Don’t expect to find a cute apartment anywhere near the center of any of the major cities for less than 1200$ – and that goes for one-bedroom apartments!

If you want to move in with your family in a larger apartment, then prepare to cash out at least 2000$.

Average Rent Prices
Apartment (1 bedroom) in City Center $1163.60
Apartment (1 bedroom) Outside of Center $977.04
Apartment (3 bedrooms) in City Center $1966.09
Healthcare

HEALTHCARE

New Zealand provides public healthcare funded through taxes, covering most hospital and primary care services.

Private insurance is optional and costs roughly 50 to 120 USD per month.

Out-of-pocket expenses average about 400 to 800 USD per person per year, mainly for prescriptions, dental care, and specialist visits.

With average monthly salaries of around 4,000 USD, healthcare costs are well contained and affordable.

Education

EDUCATION

Public primary and secondary schools do not charge tuition for residents, though families pay for books, uniforms, materials, and optional activities, roughly $300 to $700 per year.

Private schools charge $10,000 to $25,000 annually.

Public universities charge tuition of $6,000 to $9,000 per year for domestic students, while international students pay $20,000 to $35,000 annually.

Students also cover housing, food, transport, and textbooks.

Average monthly income is about $4,500, making public education affordable, while private schooling and university tuition are significant expenses.

How Does the Average Person Spend Their Money in New Zealand?

Food and groceries are the biggest expense of anyone living in New Zealand, along with rent which is definitely one of the most expensive aspects of living in this country, if not the most expensive one.

Apart from food and rent, people spend a lot of money on transportation (and this includes gasoline expenses, taxi rides as well as car rental expenses) and restaurants – since there are many people who are used to eating all three meals in restaurants.

Utilities are also a big expense for an average person living in New Zealand – as this is something that just has to be paid, like it or not.

Average Costs Breakdown

14.7%
32.8%
11.3%
5.8%
4.3%
2.4%
28.7%

New Zealand: Average Salary, Minimum Wage & Mortgages

Salaries in New Zealand are definitely high and make living in New Zealand a very pleasant and comfortable experience since they enable the citizens of this country to pay for everything they need and have enough even for the things that aren’t necessities.

The minimum wage in New Zealand is around 2,444.9$ – and though the prices are higher in this country too, this is still a reasonable amount of money that just goes in line with the high standard of living in New Zealand.

This country is definitely not the most expensive place to be and most people get by without any problems, but many say that it could be better, too.

Average Salary$3012.85
Minimum Wage$2444.9
Mortgage Interest Rate4.41%

New Zealand Safety Overview

READ THE FULL REPORT: New Zealand Safety Review

Safety Index:
90
OVERALL RISKLOW
TRANSPORT & TAXIS RISKLOW
PICKPOCKETS RISKLOW
NATURAL DISASTERS RISKMEDIUM
MUGGING RISKLOW
TERRORISM RISKLOW
SCAMS RISKLOW
WOMEN TRAVELERS RISKLOW
TAP WATER RISKLOW

Cost of Living by City in New Zealand

City Cost of Living Index
New Zealand FlagAuckland 76.63
New Zealand FlagChristchurch 70.23
New Zealand FlagDunedin 70.16
New Zealand FlagHamilton 71.91
New Zealand FlagWellington 71.52

Where to Next?

Or, browse the country/city indexes:

Cost of Living - Country Index Cost of Living - City Index

4 Reviews on New Zealand

  1. A
    Anonymous says:

    The country's good but the rent structure is very very expensive

    The country is good from what I have read so far but the rent structure is very very expensive because some people are benefiting from it

  2. E
    Eva Phillips says:

    I worked in New Zealand for 7 years and what I discovered through that time is the quality of living there is great but the cost is high and you’ll need to budget your expenses depending on what lifestyle you prefer.

  3. M
    Michelle Hamn says:

    I reside in Auckland and I think it depends on your work pay. The cost of living here is good but not great. Living here is a dream.

  4. A
    Aaliyah says:

    What do you think are some good smaller towns to consider for a more affordable lifestyle?

New Zealand Rated 4.5 / 5 based on 4 user reviews.

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