Cost of Living in New Zealand for International Students [Factors, Tips, & More]
New Zealand is a top choice for international students, offering excellent education and a wide range of study programs. Its universities are known for their high standards, attracting students from all over the world. However, living in a foreign country comes with its own set of challenges, especially when it comes to managing your budget. Understanding the cost of living in New Zealand is key to planning your finances wisely. In this blog, we will explore the various expenses you may encounter as an international student in New Zealand, covering everything from housing to everyday necessities, along with practical tips for staying on top of your spending.
Why Should You Consider New Zealand as an International Student?
New Zealand offers the best career options with high salaries for international students. There are several reasons why international students, particularly from India, are choosing New Zealand as their study destination. Some of these reasons include:
- High-Quality Education: New Zealand’s universities are known for their rigorous academic programs and globally recognized degrees. The country offers world-class education if you’re interested in science, technology, business, or the arts.
- Work Opportunities: One major advantage for students is the ability to work part-time during the academic year (up to 20 hours a week) and full-time or 40 hours during holidays. This can help you manage your living expenses in New Zealand and provide practical experience.
- Post-Study Work Visa: After graduation, you can apply for a post-study work visa, which allows you to stay in New Zealand and gain work experience in your field of study.
- Cultural Inclusivity: New Zealand is known for its friendly and inclusive atmosphere, making it a great place for students from diverse backgrounds to live and study.
Tip: If you want to study abroad, you can enroll in a study abroad program by Internshala and get in contact with a study abroad consultant for all your requirements.
Overview of Cost of Living in New Zealand
The cost of living in New Zealand for Indian students can vary depending on your lifestyle, the city you live in, and your accommodation choices. Typically, you can expect to spend between NZD 1,500 to NZD 2,500 per month. Here’s a breakdown of the major expenses that you need to consider:
| Expense Type | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| Accommodation | $600 – $1,500 | ₹30K – ₹75K |
| Food and Groceries | $200 – $400 | ₹10K – ₹20K |
| Public Transport | $100 – $150 | ₹5K – ₹7.5K |
| Health Insurance | $30 – $70 | ₹1.5K – ₹3.5K |
| Utilities (Electricity, Water, Heating) | $100 – $200 | ₹5K – ₹10K |
| Mobile Phone Bill | $20 -$50 | ₹1K – ₹2.5K |
| Internet Connection | $60 – $100 | ₹3K – ₹5K |
| Entertainment and Leisure | $50 – $100 | ₹2.5K – ₹5K |
1. Accommodation Costs
Accommodation is one of the biggest expenses you’ll face as an international student in New Zealand. Most students opt for one of three main types of housing: university halls, shared flats, or private rentals. Staying in university halls is convenient because it’s close to campus and often includes meals, but it can be more expensive compared to sharing a flat with other students. On the other hand, renting a flat with roommates can help you save money, though you’ll need to manage utilities and groceries on your own.
Here’s an overview table for the rental cost of living in New Zealand for international students:
| Accommodation Type | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| University Halls | $1,000 – $1,500 | ₹50K – ₹75K |
| Shared Apartment/Flat | $600 – $1,000 | ₹30K – ₹50K |
| Private Rental | $800 – $1,300 | ₹40K – ₹66K |
2. Food and Grocery Expenses
Food is another key part of your budget as an international student in New Zealand. Eating out can be tempting, especially with the variety of restaurants and cafes available. However, cooking at home is often much cheaper and helps you save money in the long run. New Zealand has a wide range of grocery stores, from budget-friendly options to more premium ones, so with a bit of research and planning, you can easily manage your food expenses.
Here’s a table outlining the weekly grocery expenses you may incur:
| Item | Average Price (NZD) | Average Price (INR) |
| Milk (1 litre) | $2.5 – $3 | ₹125 – ₹150 |
| Bread (loaf) | $2 – $3.5 | ₹100 – ₹150 |
| Eggs (dozen) | $5 – $7 | ₹250 – ₹350 |
| Rice (1 kg) | $3 – $5 | ₹150 – ₹250 |
| Chicken Breast (1 kg) | $10 – $15 | ₹500 – ₹750 |
| Cheese (1 kg) | $10 – $12 | ₹500 – ₹600 |
| Apples (1 kg) | $3 – $4.5 | ₹150 – ₹200 |
| Bananas (1 kg) | $2 – $3.5 | ₹100 – ₹150 |
| Potatoes (1 kg) | $2.5 – $3.5 | ₹125 – ₹150 |
| Tomatoes (1 kg) | $4 – $6 | ₹200 – ₹300 |
| Onions (1 kg) | $2.5 – $3.5 | ₹125 – ₹150 |
| Lettuce (per head) | $2.5 – $4 | ₹125 – ₹200 |
| Pasta (500g) | $1.5 – $3 | ₹75 – ₹150 |
| Cereal (box) | $3 – $6 | ₹150 – ₹300 |
| Lunch at University Cafeteria | $7 – $12 | ₹350 – ₹600 |
| Dining Out (Casual Meal) | $15 – $25 | ₹750 – ₹1250 |
3. Transportation Costs
Transportation costs in New Zealand can change based on how you choose to get around. Many international students use public transport, like buses and trains, because it is both convenient and easily accessible in cities. Public transport is a great option, as it connects students to different places, including schools and shopping areas.
Typically, a monthly public transport pass costs between NZD 100 and NZD 150. If you’re a student, you might also find discounts in various regions, making it even more affordable.
Here’s a table that gives an overview of transportation expenses for living in New Zealand:
| Transportation Mode | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| Public Transport (Bus/Train) | $100 – $150 | ₹5K – ₹7.5K |
| Petrol | $200 – $350 | ₹10K – ₹18K |
| Taxi Ride | $20 – $50 per ride | ₹1K – ₹2.5K |
| Car Rental | $300 – $600 (short-term) | ₹15K – ₹30K |
4. Health Insurance and Medical Expenses
Health insurance is essential for all international students studying in New Zealand. It provides coverage for doctor visits, emergency medical treatments, and prescriptions, which can help lower your out-of-pocket costs. Having health insurance ensures that you can access medical care without worrying about high expenses.
Here’s an overview of the health insurance costs for living in New Zealand for international students:
| Expense Type | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| Health Insurance | $30 – $70 | ₹1.5K – ₹3.5K |
| Medical Visits (with insurance) | $10 – $50 | ₹500 – ₹2.5 K |
5. Utilities, Communication, and Internet Charges
If you’re living off-campus in New Zealand, it’s important to consider the costs of utilities like electricity, water, and heating. These are essential for your daily comfort and well-being. Along with utilities, staying connected with family and friends is crucial, so you’ll need a reliable internet connection and a mobile phone plan.
The table below shows the average monthly cost of living in New Zealand for utilities and communication:
| Expense Type | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| Utilities (electricity, water, heating) | $100 – $200 | ₹5K – ₹10K |
| Mobile Phone Bill | $20 – $50 | ₹1K – ₹2.5K |
| Internet Connection | $60 – $100 | ₹3K – ₹5K |
6. Entertainment and Leisure Costs
New Zealand provides a vibrant student life filled with various entertainment options, sports, and outdoor activities. Many outdoor adventures, such as hiking, visiting national parks, and exploring beaches, are free, allowing students to enjoy the natural beauty without spending much. However, it’s still important to budget for additional leisure activities.
On the other hand, going to the movies, dining out with friends, or joining social events can add up and contribute to your monthly expenses. Planning for these activities will help you make the most of your time in New Zealand while managing your budget effectively.
Here’s an overview of the cost of living in New Zealand for entertainment:
| Activity Type | Average Monthly Cost (NZD) | Average Monthly Cost (INR) |
| Movies, Dining Out | $50 – $100 | ₹2.5K – ₹5K |
| Gym Memberships | $30 – $60 | ₹1.5K – ₹3K |
| Sports or Fitness Classes | $40 – $100 | ₹2K – ₹5K |
| Cultural Events | $10 – $50 per event | ₹500 – ₹2.5K |
| Streaming Services (Netflix, Spotify) | $10 – $20 | ₹500 – ₹1K |
7. Miscellaneous Expenses
In addition to the essentials, you’ll need to account for other costs such as clothing, personal care items, and study materials. These expenses can vary depending on your personal habits and academic requirements.
The table below depicts the miscellaneous average living expenses in New Zealand for international students:
| Expense Type | Average Cost (NZD) | Average Cost (INR) |
| Clothing and personal care | $50 – $100 | ₹2.5K – ₹5K |
| Study materials/books | $20 – $50 | ₹1K – ₹2.5K |
Cost of Living in New Zealand (City Wise)
The cost of living in New Zealand for international students can vary greatly depending on the city you choose. Below is an overview of the average total estimated monthly expenses in different cities across New Zealand to help you plan your budget more effectively.
| City | Total Monthly Estimated Cost (NZD) | Total Monthly Estimated Cost (INR) |
| Auckland | $1,700 -$ 2,450 | ₹86K – ₹1.2 Lakh |
| Wellington | $1,520 – $2,230 | ₹77K – ₹1.1 Lakh |
| Christchurch | $1,330 – $2,070 | ₹67K – ₹1 Lakh |
| Dunedin | $1,200 – $1,810 | ₹61K – ₹92K |
| Hamilton | $1,290 – $1,970 | ₹65K – ₹1 Lakh |
| Tauranga | $1,280 – $1,950 | ₹65K – ₹1 Lakh |
| Palmerston North | $1,120 – $1,670 | ₹57K – ₹1 Lakh |
Also Read: Top Universities in New Zealand
Factors Affecting the Cost of Living in New Zealand
Several factors influence how much you will spend while studying in New Zealand. Understanding these factors can help you better manage your finances and plan accordingly. Here are the factors that can affect your living expenses in New Zealand :
- City: The city you choose to study in has a significant impact on your overall living expenses in New Zealand. Larger cities such as Auckland and Wellington tend to have higher accommodation, transport, and food costs compared to smaller cities like Dunedin or Hamilton.
- Accommodation Type: Your living arrangements can greatly impact your budget. International students can select from various options, including university dormitories, private rentals, or flat-sharing. While student dorms offer convenience and may include utilities, they are often more expensive than sharing an apartment with others.
- Lifestyle: Your personal lifestyle choices can also impact your cost of living in New Zealand. If you enjoy going out frequently or engaging in paid leisure activities like, your expenses will add up quickly. On the other hand, cooking at home, using public transport, and taking advantage of free outdoor activities such as hiking can help you save considerably.
- Working Part-Time: Many international students in New Zealand take advantage of part-time work opportunities to supplement their income. Students can work up to 20 hours per week during the semester and full-time during breaks. Earning extra income can help cover living costs, including rent, groceries, and leisure activities, reducing financial pressure.
- Exchange Rates: The cost of living in New Zealand for international students is also influenced by currency exchange rates and inflation. Fluctuations in your home country’s currency against the New Zealand Dollar (NZD) can affect how much money you’ll need.
Pro Tip: To effectively save money on your study abroad plans in New Zealand, you can consider contacting the best study abroad consultants in India.
Tips to Manage Your Cost of Living in New Zealand
Studying in New Zealand doesn’t have to be expensive if you manage your expenses wisely. Here are some practical tips to help you reduce costs:
- Choose Affordable Accommodation: Opting for shared housing or university dormitories can significantly cut down your accommodation, and living expenses in New Zealand. Look for student-friendly housing options that offer lower rates, and explore opportunities to live slightly farther from the city center, where rent tends to be lower.
- Cook at Home: Dining out can be expensive, especially in major cities. Preparing your meals at home saves money and also allows you to eat healthier. Stock up on essential groceries, plan your meals for the week, and take advantage of student discounts or bulk purchases to lower your food expenses.
- Use Public Transport: New Zealand’s cities have efficient public transport systems, often with student discounts for bus and train passes. Relying on public transport instead of taxis or ride-sharing services can lead to significant savings.
- Look for Student Discounts: Many places in New Zealand offer discounts for students on transportation, entertainment, food, and more. Always carry your student ID and ask about discounts wherever you go to save extra money.
- Work Part-Time: Working part-time can help you cover some of your living expenses in New Zealand. Even a few hours of work per week can significantly lighten the financial load, especially if you can find a job that fits around your study schedule.
Conclusion
Managing the cost of living in New Zealand as an international student takes careful planning and budgeting. Although New Zealand offers a high standard of living and many unique experiences, it’s important to keep an eye on your expenses. By following the tips in this blog, you can stay within your budget without losing out on a good quality of life. Additionally, working part-time can give you extra financial support to help manage your costs effectively.
If you’re considering pursuing an MBA, New Zealand is a great option. Check out our guide on studying for an MBA in New Zealand to learn more about your opportunities!
FAQs
Answer: The average cost of living in New Zealand for an international student ranges from NZD 1,200 to NZD 2,000 per month, depending on the city, lifestyle, and accommodation choices.
Answer: Yes, international students can work up to 20 hours per week during the semester and full-time or 40 hours during holiday breaks.
Answer: Yes, most cities offer discounted student rates for public transport, and the monthly cost in New Zealand typically ranges between NZD 100 to NZD 150.
