The cost of living in New Zealand is rather high and, like most countries, it tends to fluctuate depending on the area. The cost of living also varies from island to island; the South Island is significantly cheaper than the North Island. Auckland and Wellington ranked 103rd and 123rd respectively in the 2020 Mercer Cost of Living Survey. This makes them more expensive to live in than cities such as Brisbane and Stockholm, but cheaper than Hong Kong and Seattle.
The cost of accommodation in New Zealand
Accommodation is likely to be the biggest expense for anyone moving to New Zealand. Rental prices for properties in the city centre also tend to be more expensive than those in the suburbs.
Properties in New Zealand are typically more spacious than expats might be used to, especially those from Europe. Properties, if furnished, are also generally furnished to a high standard.
Utilities are usually not included in the rental price of a property, so expats should budget accordingly. It can get bitterly cold in New Zealand during the winter months which results in higher heating bills.
Cost of groceries in New Zealand
Groceries tend to be expensive in New Zealand. Expats should keep in mind that New Zealand is remote and isolated, so specific groceries often have to be imported, increasing their cost. That said, expats can purchase local goods and take advantage of the special offers that commonly run at supermarkets and convenience stores. Many locals also save money by buying in bulk.
Cost of transport in New Zealand
Many expats will find that car prices are relatively inexpensive compared to those in their home countries. While people don't necessarily need a car, especially in urban areas, it can be useful for expats with families or those who like to travel.
That said, public transport is reasonably priced in New Zealand and regular users can save money by purchasing monthly or annual transport passes.
Cost of living in New Zealand6Note that prices may vary depending on product and service provider. The list below shows average prices in Auckland in March 2021.
Accommodation (monthly rent) |
|
One-bedroom apartment in city centre |
NZD 1,900 |
Three-bedroom apartment in city centre |
NZD 3,400 |
One-bedroom apartment outside of the city centre |
NZD 1,600 |
Three-bedroom apartment outside of the city centre |
NZD 2,700 |
Groceries |
|
Dozen eggs |
NZD 6.30 |
Milk (1 litre) |
NZD 2.80 |
Loaf of white bread |
NZD 3.10 |
Chicken breasts (1kg) |
NZD 15 |
Pack of cigarettes (Marlboro) |
NZD 35 |
Utilities/household |
|
Mobile call rate (per minute – mobile to mobile) |
NZD 0.30 |
Internet (uncapped ADSL or cable – average per month) |
NZD 76 |
Basic utilities (average per month for a small apartment) |
NZD 207 |
Eating out and entertainment |
|
Three-course meal at a mid-range restaurant for two |
NZD 120 |
Big Mac Meal |
NZD 13.50 |
Cappuccino |
NZD 5 |
Coca-Cola (330ml) |
NZD 3.35 |
Local beer (500ml) |
NZD 10 |
Transportation |
|
Taxi rate per km |
NZD 2.65 |
City centre public transport |
NZD 3.80 |
Petrol (per litre) |
NZD 2.10 |
Further reading
►Healthcare in New Zealand gives an overview of the national health system.
►For more on money matters, see Banking, Money and Taxes in New Zealand.
Expat Experiences
"The cost of living is far more than in SA, but it’s all relative to what you earn. Now that I’ve lived here for a while and earn NZD it’s very manageable." Learn more about Savannah, a South African expat, and her move to New Zealand.
Are you an expat living in New Zealand?
Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to New Zealand. Please contact us if you'd like to contribute.
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