Cost of Living in New Zealand

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The cost of living in New Zealand is relatively high, though, like most countries, it varies depending on the area you choose. The North Island, particularly cities like Auckland and Wellington, tends to be more expensive than the South Island, where living costs are generally lower.

Auckland and Wellington are among the pricier cities in New Zealand, although they remain more affordable than some major international destinations, like Sydney or Singapore. Accommodation, utilities, and food can be pricey, but the overall quality of life and natural beauty of the country make up for the cost.

Cost of accommodation in New Zealand

Accommodation is likely to be your highest expense when moving to New Zealand. Rental prices for properties in metropolitan areas also tend to be steeper than those in the suburbs or more rural settings. To make up for the high cost, properties in New Zealand tend to be spacious, and furnished housing is usually well appointed.

Remember to budget for utilities, as they are often not included in the rental price of a property and can be a significant expense. Depending on the season and location, temperatures in New Zealand can tip the scales either to the swelteringly hot or bitterly cold side, increasing the need for air conditioning and heating.

Renting Expat Accommodation in New Zealand

Cost of transport in New Zealand

Public transport is reasonably priced in New Zealand, and you can save money by purchasing monthly or annual passes. Owning a car isn’t strictly needed, especially if you live in one of the larger cities, but having your own vehicle to explore the country is recommended. Driving in New Zealand is accessible, thanks to relatively low prices for cars.

Public Transport and Driving in New Zealand

Cost of groceries in New Zealand

Grocery prices in New Zealand tend to be high. Since the country is remote and isolated, many goods, including a number of foodstuffs, frequently have to be imported, increasing their cost. The quality of local produce tends to be exceptional – shopping at farmers’ markets is a great way to get delicious food while saving money.

Cost of entertainment and eating out in New Zealand

New Zealand offers a range of free or cheap entertainment options for residents and expats alike, such as visiting national parks, hiking trails, and museums. Cinemas and concert venues are also available in most cities, although these activities are usually on the pricier side.

Eating out in New Zealand can also be costly, especially in urban areas, with prices varying depending on the type of cuisine and restaurant. Many establishments in New Zealand offer an early bird or lunchtime special that can help save money, and it’s also common to find food trucks and markets that offer affordable and tasty options.

Cost of education in New Zealand

New Zealand has a well-regarded education system, with a range of options available from primary school to university. Public schools are generally free for residents, but there may be additional costs for uniforms, stationery, and extracurricular activities. The fees for private schools can be fairly steep, but they typically offer smaller class sizes, better amenities, and a wider range of extracurriculars.

Education and Schools in New Zealand

Cost of healthcare in New Zealand

The cost of healthcare in New Zealand can vary depending on a few factors. If you hold a work visa and are employed in New Zealand for more than two years, you can access public healthcare either for free or at a low cost. If you get injured during your stay in the country, medical expenses are usually covered by the Accident Compensation Scheme, regardless of whether you’re visiting, working, or studying.

Many expats in New Zealand opt for private healthcare, which can provide fast access to medical treatment and a wide range of services, but at a high cost. We recommend purchasing health insurance to cover any unexpected medical expenses, as out-of-pocket costs for treatments or procedures can be significant.

Healthcare and Health Insurance in New Zealand