Cost of Living in New Zealand for Students in 2025

Are you dreaming of studying in New Zealand in 2025? If yes, probably, you might be factoring in the courses, universities, places around, and so on.

However, beyond its high-quality education system and stunning landscapes, the cost of living in this beautiful country is something you must carefully consider for a stress-free study-abroad journey. 

So, read this blog by MSM Unify for a detailed breakdown of the cost of living in New Zealand in 2025. This will help you plan your study abroad journey like a pro!

Cost of living in New Zealand: Comparison across major cities

The cost of living in New Zealand depends on various crucial factors, including your choice of city, accommodation type, and lifestyle. Here are the average monthly living costs across major cities in 2025. The table below will help you understand how the cost of living varies significantly across different cities.

Please note: These living costs are approximate and can vary significantly depending on your lifestyle, whether you choose shared or private accommodation, and other crucial factors.

In essence, if you plan to live in cities like Auckland or Wellington, expect higher rents and transport costs. However, these cities provide more amenities, better career opportunities, and diverse social scenes.

Smaller cities like Napier, Rotorua, and Dunedin offer a more budget-friendly lifestyle without compromising quality education or cultural experiences. They are ideal for students seeking an affordable place to live and study, away from the hustle and bustle of crowded cities.

Breakdown of living costs in New Zealand

This section covers the specific expenses you will encounter as a student in New Zealand. This breakdown will help you budget properly and study without any financial burden in the country.

Accommodation

Your biggest monthly expense will be accommodation. Here’s a rundown on how different accommodation options cost in New Zealand:

• University hostels or dormitories: NZD 500 – NZD 800 per month
• Private apartments in bigger cities: NZD 800 – NZD 1,200 per month
• Shared flats or houses: NZD 400 – NZD 700 per person per month

Pro tip: Choosing shared accommodation is a smart way to save on rent. Many New Zealand universities also offer on-campus housing, which is convenient and often cheaper than private rooms or apartments.

Transportation

New Zealand’s public transportation is well-organized and student-friendly, with student discounts available. Most cities have extensive bus networks, and some even have good train connectivity. 

So, monthly transportation typically costs between NZD 80 and NZD 150, depending on the city and connectivity.

Pro tip: For short commutes, you can prefer cycling or walking to save money and burn some calories!

Food

Here’s what you would be spending when you cook at home and eat out. Comparing these costs will help you make the best decision and save money!

• Groceries: NZD 70 – NZD 100 per week
• Dining out at a casual eatery: NZD 15 – NZD 25 

Pro tip: Cooking at home is the best way to manage your food budget. Shopping at a local farmer’s market can help you save money, and enjoy fresh, seasonal veggies and fruits. 

Internet and mobile services

Internet and mobile plans in New Zealand are affordable, with plenty of options. Here are the typical expenses in this category:

• Prepaid mobile plans: Start at NZD 19 per month
• Unlimited internet plans: NZD 60 to NZD 100 per month 

Please note: Cities like Auckland and Dunedin even offer free public WiFi in some areas, helping you stay connected on the go.

Entertainment

Don’t forget to budget for leisure activities. After all, life isn’t all about studying! Many activities in New Zealand are free or low-cost, such as:

• Visiting national parks and beaches
• Exploring museums and cultural festivals
• Attending community events

Other expenses might include:

• Movies: NZD 15 – NZD 20 per ticket

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Expert tips for managing living costs in New Zealand

Here are some practical tips for managing your budget without compromising your quality of life, as suggested by MSM Unify overseas education consultants.

Plan your budget

Use a New Zealand cost of living calculator to get a clear picture of your monthly expenses. You may use MSM Currency Converter to make your calculations according to the latest exchange rate.

Cook at home

Prepare meals at home instead of eating out to save money. You need not be a Master Chef, but basic cooking skills will help you a great deal.

Explore free activities

Many outdoor attractions in the country, like hiking trails and public gardens, are free of cost. So, the fun doesn’t need to be expensive every time!

Shop smart

Look for discounts and student deals at local grocery stores and shops, and buy groceries in bulk to save money in the long run. In essence, shop smartly!

Share living costs

Opt for shared accommodation to split rent and utility bills with roommates. This can help you save money and make you feel safe and secure in a foreign country.

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Conclusion

Studying in New Zealand is an exciting experience that offers opportunities for study, growth, and adventure. While the cost of living varies by city and lifestyle, careful planning, scholarships, and part-time work can make it feasible.

Whether it is budgeting sensibly, cooking at home, or exploring free local attractions, there are numerous ways to make the most of your time in New Zealand without going overboard on your budget.

Remember that studying abroad is about more than just receiving an education; it is also about embracing new experiences and creating lifelong memories. 

Looking for more guidance? 

MSM Unify’s competent counselors are ready to assist you in planning your study abroad experience and achieving your career objectives. Contact us today!