Living Costs in New Zealand for Students: Everything You Need to Budget for in 2025

Studying abroad in New Zealand is an exciting adventure that opens doors to world-class education, breathtaking landscapes, and unforgettable experiences. However, as thrilling as it sounds, managing living costs can be a challenge for international students. It’s essential to know exactly what to expect financially, so you can plan ahead, avoid surprises, and focus on your studies and experience abroad. 

In this blog, we’ll break down the various living costs you’ll encounter as a student in New Zealand. From accommodation to food, transportation, and entertainment, we’ll cover everything you need to budget for to ensure your time in New Zealand is as stress-free as possible in terms of finances. 

Why Study in New Zealand?

New Zealand isn’t just known for its stunning natural beauty; it also boasts a quality education system that is internationally recognized. The country has a vibrant student community, and international students are always welcomed with open arms. But beyond the beautiful landscapes and top-tier education, New Zealand offers many career opportunities, a balanced lifestyle, and an enriching cultural experience. 

However, before you pack your bags, it’s essential to consider the costs that come with living and studying abroad. By understanding these expenses and budgeting properly, you can ensure a smooth and successful stay. 

1. Accommodation Costs

The first thing on your mind when thinking about living and study in New Zealand is where you’ll stay. New Zealand offers various accommodation options, from university halls to private rentals. Here’s a breakdown of the different options and their costs: 

• On-Campus Accommodation: If you choose to live in university-managed halls of residence or student housing, expect to pay between NZD 150 and NZD 400 per week. Prices vary depending on the location and the type of room (e.g., shared or private). 
• Private Accommodation: Renting a private flat or apartment can be more expensive, especially in cities like Auckland, Wellington, and Christchurch. On average, private rentals can cost anywhere from NZD 250 to NZD 450 per week for a one-bedroom unit. Shared apartments or flats will cost less, with students typically paying around NZD 150 to NZD 250 per week for a room. 
• Homestay: If you want a more immersive experience, consider a homestay, where you live with a local family. This will typically cost NZD 200 to NZD 400 per week, and it often includes meals. 

2. Food and Groceries

Food is one of the most variable expenses, depending on whether you prefer cooking at home or dining out. On average, students spend about NZD 50 to NZD 100 per week on groceries, though this can vary based on your eating habits. 

• Eating In: Shopping at local supermarkets like Countdown, New World, or Pak’nSave can save you a lot of money. Cooking your own meals is much cheaper than dining out and gives you full control over your food choices. You can expect to spend between NZD 50 and NZD 100 per week on food, depending on your lifestyle. 
• Eating Out: If you prefer eating out, New Zealand has a wide range of dining options, from affordable cafes to fine dining restaurants. On average, a meal at a budget restaurant can cost between NZD 15 and NZD 30. If you want to grab a coffee, you’ll likely pay NZD 4 to NZD 5 per cup. 
• Meal Plans: Some universities offer meal plans that allow students to pay a fixed fee for meals at on-campus dining halls. This can cost around NZD 100 to NZD 200 per week. 

3. Transportation Costs

New Zealand’s public transportation system is reliable and affordable, but the cost can vary depending on where you live. 

• Public Transport: In larger cities like Auckland and Wellington, public transport is well-developed, with buses, trains, and ferries. A monthly public transport pass can cost anywhere from NZD 100 to NZD 150, depending on your location and how frequently you travel. 
• Cycling: Many students in New Zealand choose to cycle as a more affordable and eco-friendly way to get around. You can buy a second-hand bicycle for as low as NZD 100 to NZD 300. Cycling is not only cheaper but also allows you to explore the beautiful landscapes at your own pace. 
• Car Rentals: If you plan to travel extensively outside of cities, renting a car may be necessary. Car rental prices range from NZD 30 to NZD 60 per day for an economy car. However, keep in mind that you’ll also need to account for petrol costs and insurance. 

4. Utilities and Internet

If you’re living in a shared apartment or flat, you’ll likely be responsible for paying utility bills. The average monthly cost for electricity, heating, water, and garbage disposal is NZD 100 to NZD 150, though this may vary based on your location and usage. 

• Internet: Access to the internet is essential for your studies and staying connected with family and friends. Monthly internet bills typically cost between NZD 60 and NZD 100, depending on your provider and the speed of the connection. 

5. Entertainment and Social Life

New Zealand offers a fantastic range of activities and entertainment options for students. From exploring national parks to enjoying city nightlife, there’s always something fun to do. However, it’s important to budget for these activities to avoid overspending. 

• Cinema and Entertainment: Going to the movies or visiting local attractions can cost around NZD 10 to NZD 25. Many universities also offer discounts for students, so be sure to carry your student ID. 
• Outdoor Activities: Many outdoor activities, like hiking, are free or very inexpensive. You can spend your weekends exploring New Zealand’s stunning landscapes without breaking the bank. Renting equipment for outdoor adventures, like skiing or snowboarding, can range from NZD 30 to NZD 100 per day. 
• Nightlife: If you enjoy socializing, bars and clubs can be pricey. A drink at a bar typically costs NZD 8 to NZD 12. However, there are also student nights and discounts to help lower these costs. 

6. Health and Insurance

New Zealand requires all international students to have health insurance for the duration of their stay. If your home country doesn’t provide coverage, you’ll need to purchase insurance through a New Zealand provider. Expect to pay around NZD 500 to NZD 800 per year for health insurance. 

• General Health: For regular medical expenses, a visit to a general practitioner (GP) usually costs NZD 30 to NZD 70. Keep in mind that some insurance plans may cover these costs, so check with your provider. 

7. Miscellaneous Costs

Other small costs you should keep in mind include: 

• Mobile Phone: A prepaid mobile plan can cost around NZD 20 to NZD 50 per month. 
• Books and Study Materials: You may need to buy textbooks or other materials for your courses, which can cost NZD 200 to NZD 500 per semester, depending on your course requirements. 
• Shopping: Clothing, toiletries, and other personal items may vary based on your preferences, but an average student spends around NZD 50 to NZD 100 per month on miscellaneous items. 

8. Total Estimated Living Costs for Students in New Zealand

Here's an estimate of the total living costs for students in New Zealand per month: 

Conclusion

Studying in New Zealand offers a wealth of opportunities, but it’s essential to budget carefully. By understanding the living costs, you can plan effectively and ensure that your financial situation doesn’t become a source of stress. From accommodation to food, transportation, and social activities, budgeting properly will allow you to fully immerse yourself in everything New Zealand has to offer while keeping your finances in check. 

With the right approach to managing your expenses, you can focus on enjoying your study abroad experience in New Zealand—making memories that will last a lifetime.