Cost of Living in New Zealand for Indian Students in 2025

New Zealand is a fantastic study destination for Indian students, offering top universities and a high quality of life. However, managing expenses can be challenging, making it essential to understand the cost of living in New Zealand for effective financial planning.

Beyond tuition fees, students must account for housing, food, transportation, and daily expenses, which can vary significantly based on the city and lifestyle choices. The average cost of living in New Zealand, excluding rent, is around INR 81,507 (1,665.3NZ$) per month. 

Keep reading to make informed financial decisions before your move!

‍

‍

How Expensive is New Zealand for Indian Students? 

New Zealand can be expensive, particularly in cities like Auckland and Wellington, where housing, groceries, and transportation costs are higher. However, smaller cities like Christchurch, Hamilton, and Dunedin offer more affordable options. Overall, living costs depend largely on the city and lifestyle choices.

‍

The Average Cost of Living in New Zealand For Indian Students in 2025

Understanding the average cost of living in New Zealand can help you plan your finances better, ensuring you can focus on your studies without unnecessary financial stress.

To help you break down your budget effectively, here’s an estimate of the cost of living in New Zealand per month for Indian students in 2025.

Looking to study in New Zealand but unsure about how to manage the expenses? Don’t worry! Discover how to get an education loan for abroad studies and make your dream education a reality without financial worries. Explore the best options today!

‍

Fast-Tracked Education Loans with Propelld – Funding your Future in Just 7 Days!

‍

Cost of Living in New Zealand 2025: Types of Accommodation 

Accommodation is one of the biggest expenses for Indian students in New Zealand, and the cost varies significantly based on factors such as city, type of housing, and whether you choose to stay alone or share with others. 

For students, housing options are divided into two categories listed below.

‍

Average Rent Prices in New Zealand 2025

Major cities like Auckland and Wellington have higher rents due to increased demand, while smaller towns like Dunedin and Hamilton offer more affordable options.

Here’s a table highlighting the average monthly rent prices for Indian students in New Zealand.

‍

Cost of Living in New Zealand 2025: Food and Grocery Costs

Food expenses make up a significant portion of the monthly budget for students and residents in New Zealand. While cooking at home is more cost-effective, dining out is common among students and residents. 

Below are typical meal costs you can expect to pay while dining out.

Average Grocery Prices in New Zealand for 2025

Grocery shopping is one of the most common and necessary expenses for students and anyone living in New Zealand. Here's a breakdown of the average grocery prices in New Zealand for 2025.

‍

Cost of Living in New Zealand 2025: Transportation Prices

Public transportation is an affordable way to get around New Zealand's cities. Public transport, such as buses, trains, and ferries, is widely used by students, especially in major cities like Auckland, Wellington, and Christchurch.

Below is a list of estimated transportation costs in New Zealand.

‍

Cost of Living in New Zealand 2025: Utilities and Bills 

Utilities are essential to living expenses in New Zealand, and it’s important to consider these costs when budgeting for your stay. Utility prices can vary depending on factors like the size of your accommodation, the number of people in the household, and the region. 

Here’s a breakdown of common utility costs for 2025:

‍

Not Just Tution Fees, But Other Expenses Also Covered. Simplified Processing, Dedicated Support

‍

Cost of Living in New Zealand 2025: Healthcare 

Healthcare in New Zealand is largely subsidised, with general practitioner (GP) visits typically costing between NZ$ 19 (929 INR) and NZ$ 55 (2,691 INR). After-hours clinics can charge up to NZ$ 75 (3,670 INR). 

Most medical expenses, including doctor visits, dental care, and prescriptions, are covered for those eligible. International students must have medical insurance before their program begins, with typical annual premiums ranging from NZ$ 200 (INR 9,788) to NZ$ 700 (INR 34,261).

‍

Education Costs in New Zealand for Indian Students in 2025

Studying in New Zealand offers high-quality education, but knowing the tuition fees is important. Education costs vary depending on the program and institution.

The table below shows the educational cost of different study programs for Indian students in New Zealand.

Looking to pursue an MBA in New Zealand while managing your expenses? Discover everything you need to know about top colleges, eligibility, and fees in our guide on MBA in New Zealand for Indian Students. 

‍

Invest in Your Future Without the Need for a Co-Applicant! Explore our Education Loans Now.

‍

Cost of Living in New Zealand 2025: Major Cities

Understanding the price differences between cities is essential to make an informed decision about where to live during your studies. 

The table below shows the cost of living in some of New Zealand’s key cities.

‍

Cost of Living in New Zealand 2025: Additional Costs

In addition to housing, food, and transportation, other important factors contribute to the overall cost of living in New Zealand. These expenses, while not as predictable, can still significantly impact your budget. 

Here’s a breakdown of these costs and some practical tips for managing them.

Flights

New Zealand's remote location can make travel expensive. Depending on the season, flights between major cities typically range from NZ$60 (INR 2,936) to NZ$400 (INR 19,577). Prices are generally cheaper if booked in advance, and travelling during off-peak months (July and August) can help lower costs. 

Private Vehicle (Car)

While New Zealand's public transportation system is reliable in larger cities, remote areas often lack sufficient connections. Therefore, owning or renting a car is essential for those planning to explore beyond the urban areas. 

Fitness and Diet

Staying fit is important, but fitness club memberships can add to your monthly costs. Membership for one adult typically ranges from NZ$38 (INR 1,859) to NZ$68 (INR 3,328)  per month. Similarly, maintaining a balanced diet is another cost, especially for those who wish to follow a specific fitness or dietary regimen. 

Clothing

Fashion is an important part of New Zealand's culture, and clothing costs can vary depending on your style and preferences. On average, you can expect to spend around NZ$50 (INR 2,447) for a top, NZ$125 (INR 6,118) for a sweatshirt, NZ$125 (INR 6,118) for two pairs of jeans from mid-priced retailers, and NZ$160 (INR 7,831) for a pair of shoes. 

Entertainment

New Zealand offers many entertainment options, and costs can add up. For example, a movie ticket typically costs NZ$10 (INR 489) to NZ$14 (INR 685), while tickets for live concerts range from NZ$70 (INR 3,426) to NZ$100 (INR 4,894). 

Online Purchases

Remember that delivery charges are additional and sometimes costly when shopping online, especially from platforms like Amazon or eBay. Shopping at local retail stores may help you avoid high shipping fees, and you can often find discounts and offers to save on your purchases.

‍

Job and Salary Prospects in New Zealand in 2025

Understanding the average salary in New Zealand is crucial for anyone planning to work in the country, whether you're an international job seeker, student, or professional aiming to make a career move. 

Here’s a table showcasing the average salaries for some of the top jobs in New Zealand.

Curious about the incredible advantages of studying abroad? Check out our blog on Enhanced Career & Other Top 10 Benefits of Studying Abroad and discover how New Zealand can offer more than just a great education!

‍

‍

To wrap up, the cost of living in New Zealand can vary depending on where you live and your lifestyle. From accommodation to transportation, understanding these expenses will help you budget wisely and maximise your experience. 

Ready to make your dream of studying in New Zealand a reality without financial stress? With Propelld, you can access flexible loans with no collateral and quick digital approval, making your journey to New Zealand smooth and stress-free. Whether covering tuition, accommodation, or living expenses, Propelld offers loans up to INR 50 lakhs. 

Why Propelld?

Here are some of the top benefits Propelld offers.

Start your study journey in New Zealand today—apply with Propelld for a hassle-free financial experience!

‍

‍

FAQs About Cost of Living in New Zealand 2025

What is the cost of living in New Zealand for Indian students in 2025?

The cost of living in New Zealand for Indian students in 2025 is expected to vary based on location and lifestyle. The average cost of living in New Zealand per month, excluding rent, is around INR 81,507 (1,665.3 NZ$).

How expensive is New Zealand compared to other countries?

While it is considered one of the more expensive countries to live in, the average cost of living in New Zealand is competitive with other developed nations. Students should budget accordingly to manage their expenses effectively.

What is the average cost of living in New Zealand for students?

Students' average cost of living in New Zealand typically includes rent, food, transportation, and leisure activities. Students can expect to spend around NZD 1,500 to NZD 2,000 monthly.

What are the main expenses for Indian students in New Zealand?

The main expenses for Indian students include accommodation, groceries, transportation, and tuition fees. Understanding the cost of living in New Zealand is crucial for budgeting effectively.

How does the cost of living in New Zealand vary by city?

The cost of living in New Zealand can vary significantly by city. For instance, cities like Auckland and Wellington tend to have a higher monthly cost of living in New Zealand than smaller towns.

Are there any ways to reduce living costs in New Zealand?

Yes, students can reduce their living costs by sharing accommodation, cooking at home, and using public transport. This can help manage the cost of living in New Zealand effectively.

What is the cost of accommodation in New Zealand for students?

The cost of living in New Zealand includes accommodation, which can range from NZ$800–NZ$1000 per month, depending on the type of housing.

How much do groceries cost in New Zealand?

Groceries can cost around NZD 80 to NZD 150 per week, contributing to your overall average cost of living in New Zealand.

What is the transportation cost for students in New Zealand?

Public transportation costs vary, but students can expect to spend around NZD 100 to NZD 180 monthly.

How expensive is dining out in New Zealand?

Dining out can be quite costly, with restaurant meals averaging NZD 20 to NZD 122. This can significantly impact the cost of living in New Zealand if done frequently.

What are the utility costs for students living in New Zealand?

Utility costs, including electricity, water, and internet, can add an additional NZD 100 to NZD 200 per month to New Zealand's living cost.

Is health insurance included in the cost of living in New Zealand?

Health insurance is essential for international students and can add to the average cost of living in New Zealand. Students should budget for this expense separately.

How does the cost of living in New Zealand compare to India?

The cost of living in New Zealand is generally higher than in India, especially in major cities. Students should prepare for a significant increase in their cost of living in New Zealand per month.

What financial aid options are available for Indian students in New Zealand?

Many universities offer scholarships and financial aid to help offset the average cost of living in New Zealand. Researching these options can be beneficial for managing expenses.