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Cost of Living in New Zealand


New Zealand, known for its stunning landscapes and quality education, has become a sought-after destination for international students, particularly from India. However, understanding the cost of living in New Zealand is crucial for those planning their educational journey. This blog aims to shed light on the financial aspects of studying in this beautiful country, comparing the living costs in New Zealand. With its high living standards, New Zealand offers a unique experience, but it's essential to be financially prepared. Let's look into the key statistics and considerations that will help you plan your stay in New Zealand effectively.

Accommodation Costs in New Zealand for Indian Students

When it comes to studying abroad, accommodation is a significant factor in the cost of living in New Zealand. Indian students have a variety of options, each with its own set of features and costs. Here's a comprehensive look at the different living arrangements available:

1. University Halls of Residence

Costing around NZD 300-400 per week INR ₹15,000 - ₹20,000 per week, University Halls of Residence are fully furnished and typically include meals and utilities. They offer a vibrant community environment, ideal for students seeking a comprehensive, hassle-free living experience close to campus.

2. Private Rentals/Flats

Private rentals or flats, at about NZD 215 per week per person INR ₹10,750 per week, provide more independence and privacy. These are usually unfurnished, offering flexibility in setting up your space. They're suitable for students comfortable with managing their living arrangements and keen on a more self-reliant lifestyle.

3. Homestays

Homestays range from NZD 110-370 per week INR ₹10,750 per week and involve living with a local host family. This option includes meals and offers a unique opportunity for cultural immersion. It's perfect for students looking to experience New Zealand's culture in a family-like setting.

4. Purpose-Built Student Accommodations (PBSA)

The cost of PBSAs NZD 250-500 per week INR ₹12,500 - ₹25,000 per week, often aligning with university residence prices. These modern facilities are designed for students and include amenities like gyms and communal areas. They strike a balance between community living and independence, ideal for those seeking a blend of both.

Food and Groceries Cost in New Zealand for Indian Students

For Indian students in New Zealand, managing food and grocery expenses is a vital part of daily life. Let's break down the costs:


Cost (NZD/INR)

Basic Lunchtime Menu

15 NZD / 750 INR

Fast Food Combo

12 NZD / 600 INR

1 kg of Rice

2.50 NZD / 125 INR

1 kg of Chicken

10 NZD / 500 INR

1 litre of Milk

2.30 NZD / 115 INR

Fresh Vegetables (1 kg)

3-5 NZD / 150-250 INR

Bread for 2 People

2 NZD / 100 INR

1 kg of Apples

3.50 NZD / 175 INR

1 kg of Potatoes

2.20 NZD / 110 INR

1 kg of Onions

2 NZD / 100 INR

1 kg of Tomatoes

4 NZD / 200 INR

1 kg of Bananas

2.80 NZD / 140 INR

500g of Local Cheese

8 NZD / 400 INR

12 Eggs

4.50 NZD / 225 INR

1 kg of Beef Round

15 NZD / 750 INR

Transportation Cost in New Zealand for Indian Students

Navigating through New Zealand's picturesque landscapes and cities is an integral part of the student experience. For Indian students, understanding the cost of living in New Zealand includes getting to grips with transportation costs. This section provides a detailed look at various transportation options available in New Zealand, their costs, and features, helping students and parents plan effectively.

Transportation Mode

Cost (NZD/INR)

Local Bus Fare (One-way)

3.50 NZD / 175 INR

Monthly Bus Pass

120 NZD / 6,000 INR

Taxi Fare (Per km)

2.50 NZD / 125 INR

Bicycle Rental (Per hour)

2 NZD / 100 INR

Train Fare (City to City)

20-50 NZD / 1,000-2,500 INR

Domestic Flight (One-way)

70-150 NZD / 3,500-7,500 INR

Health Care Cost in New Zealand

Understanding the healthcare system in New Zealand is a vital aspect of ensuring a safe and healthy stay for international students. This aims to provide a clear understanding of the various healthcare options available, including their costs and features. Students and parents need to be aware of these details as part of the overall cost of living in New Zealand. Let's explore the healthcare costs that students might encounter.

Health Care Service

Cost (NZD/INR)

General Doctor Consultation

50-70 NZD / 2,500-3,500 INR

Specialist Consultation

200-300 NZD / 10,000-15,000 INR

Dental Check-up

80-120 NZD / 4,000-6,000 INR

Emergency Room Visit

300-500 NZD / 15,000-25,000 INR

Prescription Medication

5-20 NZD / 250-1,000 INR

Health Insurance (Annual)

500-800 NZD / 25,000-40,000 INR

Utilities Cost in New Zealand

A crucial aspect of the cost of living in New Zealand for international students is managing utility expenses. This provides a detailed overview of the costs associated with various utilities, helping students and their families budget effectively for their stay. Understanding these costs is essential, especially for those opting for private accommodation outside of student accommodation in New Zealand. Let's compare the average utility costs:


Monthly Cost (NZD/INR)


100-150 NZD / 5,000-7,500 INR


30-50 NZD / 1,500-2,500 INR


50-80 NZD / 2,500-4,000 INR


60-100 NZD / 3,000-5,000 INR

Mobile Phone Plan

20-50 NZD / 1,000-2,500 INR

Waste Collection

10-20 NZD / 500-1,000 INR

Entertainment and Leisure Costs in New Zealand

Balancing academics with a healthy social life is key to a fulfilling study abroad experience. For students in New Zealand, understanding the cost of living in New Zealand extends to entertainment and leisure activities. This section provides a comprehensive look at various entertainment and leisure options available to students, along with their associated costs. Whether it's exploring New Zealand's natural beauty or enjoying urban entertainment, this guide helps students and parents budget for leisure activities.

Entertainment/Leisure Activity

Cost (NZD/INR)

Cinema Ticket

15-20 NZD / 750-1,000 INR

Gym Membership (Monthly)

60-80 NZD / 3,000-4,000 INR

Eating Out (Per Meal)

20-30 NZD / 1,000-1,500 INR

Concert Tickets

50-150 NZD / 2,500-7,500 INR

Museum Entry

10-20 NZD / 500-1,000 INR

Weekend Getaway

150-300 NZD / 7,500-15,000 INR

Sports Event Ticket

30-100 NZD / 1,500-5,000 INR

Cheapest Cities to Live in New Zealand for International Students

Choosing the right city to live in New Zealand is crucial for managing the cost of living in New Zealand effectively, especially for international students. This section explores the most affordable cities in New Zealand, considering various factors like accommodation, food, transportation, and leisure costs. It's designed to help students and parents make informed decisions about where to live to balance budget and lifestyle needs.


Estimated Monthly Cost (NZD/INR)

Palmerston North

1,200-1,500 NZD / 60,000-75,000 INR


1,300-1,600 NZD / 65,000-80,000 INR


1,250-1,550 NZD / 62,500-77,500 INR


1,100-1,400 NZD / 55,000-70,000 INR


1,000-1,300 NZD / 50,000-65,000 INR

Factors Affecting the Cost of Living in New Zealand

The cost of living in New Zealand can vary significantly based on several factors. Understanding these factors is crucial for international students and anyone planning to move or live in New Zealand. Here are the key elements that affect the cost of living:

  • Location: The city or region you choose to live in New Zealand has a major impact on costs. Major cities like Auckland and Wellington tend to have higher living expenses compared to smaller cities or rural areas.
  • Accommodation: This is often the largest expense. The cost varies depending on the type of accommodation (e.g., university halls, private rentals, homestays) and its location.
  • Lifestyle Choices: Personal preferences in lifestyle, such as dining out, entertainment, and leisure activities, can significantly influence your overall expenses.
  • Transportation: Depending on your location and mode of transport (public transport, owning a car, cycling), transportation costs can vary.
  • Utilities: This includes electricity, water, gas, and internet. Some accommodations include utilities in the rent, while others do not.
  • Food and Groceries: The cost can vary based on dietary habits and whether you buy local or imported products. Eating out frequently can also increase expenses.
  • Healthcare: While New Zealand has a public healthcare system, additional health insurance can add to costs, especially for non-residents.
  • Educational Expenses: For students, tuition fees, books, and supplies are significant factors. These costs vary by institution and study program.

Tips to Save Money in New Zealand

Saving money in New Zealand as an international student requires smart financial planning and a few practical strategies. Here are some tips to help manage your expenses effectively:

  • Affordable Housing: Choose shared apartments or university dorms to reduce rent costs.
  • Cook at Home: Minimize eating out and prepare meals at home to save on food expenses.
  • Public Transportation: Utilize public transport options instead of owning a car.
  • Student Discounts: Always use student discounts available for transport, entertainment, and shopping.
  • Part-Time Work: Take advantage of the opportunity to work part-time during your studies.
  • Budget Management: Keep track of your expenses and budget wisely.
  • Buy Second-hand: Opt for second-hand books and furniture to cut costs.
  • Use University Resources: Make the most of free resources at your university, like libraries and healthcare services.
  • Limit International Calls: Use free online communication tools for international calls.

While the cost of living in New Zealand can be a significant consideration for Indian students, with the right knowledge and strategies, it can be effectively managed. From accommodation and transportation to food and leisure, understanding and planning for these expenses is key to a successful and enjoyable study experience in New Zealand. Remember, careful budgeting and smart spending choices can make a substantial difference in your overall financial well-being while studying abroad.


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