Cost of Living in New Zealand 2026-2027

For international students aspiring to pursue top-notch education in an affordable study abroad destination, New Zealand is an excellent choice, especially known for being one of the most affordable destinations offering quality education. Immigration New Zealand (INZ) has specified the requirement of NZ $20,000 per year for the cost of living in New Zealand for international students.

The nation boasts a globally known education system with a long history that offers a broad selection of programmes in various trending subjects. Renowned for being a safe and wonderful nation with a low crime rate and hospitable citizens, New Zealand offers several benefits to global students.

Besides offering tremendous post-study work opportunities to international graduates, the country is a point of attraction for its affordable and relaxing student life in stunning landscapes. Let us explore the living expenses in New Zealand for international students besides tuition fees in 2026.

International Accommodation Cost in New Zealand 2026

When it comes to understanding the overall cost of living in New Zealand, accommodation is the largest single expense, varying vastly based on location and type. Large urban centres like Auckland and Wellington have the highest housing costs, while smaller cities like Dunedin offer the most affordable options.

Types of On-Campus Housing and Weekly Costs

Discussed below is the weekly rate for shared flats and university halls/dorms:

Types of Off-Campus Housing and Weekly Costs

Listed below are common international student accommodation types in New Zealand and their estimated weekly costs for 2026:

• Shared Flats/Flatting: NZ $140 - $280 (Most common and affordable for students)
• Homestay: NZ $300 - $500 (Often includes meals and utilities)
• Private Studio/Apartment: NZ $350 - $550+ (Most expensive, offers full independence)

With 2026-2027 demand at an all-time high, university halls and affordable shared flats in major cities like Auckland and Wellington fill up months in advance. Don't leave your housing to the last minute. Register with AECC today and prioritise all steps in order, from university application to house hunting. Our experts will help you shortlist safe, student-friendly housing that fits your 2026 budget before you leave home country.

Food & Grocery Costs in New Zealand 2026

Managing food and grocery expenses is crucial for sustaining a healthy diet while keeping the overall cost of living in New Zealand low.

• Budgeting: The average budget for a student who cooks at home ranges from NZ $60 - $100 per week, totalling approximately NZ $320 - $480 per month.
• Dining Out: The price of a casual meal at an inexpensive restaurant starts around NZ $15 - $25. A main course at a mid-range restaurant costs between NZ $25 and $50.

Smart Consumer Tips to Save Money

• Shop Smart: Prioritise supermarkets like Pak'n Save (known for being the cheapest) and look for weekly specials.
• Loyalty Programmes: Utilise programmes like Countdown’s Onecard to secure discounts and rewards.
• Meal Prep: Batch cooking and meal planning eliminate impulse buys and reduce food waste

Utility Costs in New Zealand 2026

A small chunk of the overall cost of living in New Zealand goes into the utility expenses. Utility bills, which include gas, electricity, water, internet, and waste disposal, are split among flatmates in shared accommodation, making them manageable.

Explore the interesting courses to pursue in New Zealand and the amazing post-study work opportunities upon graduation:

• PR Courses in New Zealand
• New Zealand Post-Study Work Visa

Is your 2026 budget visa-ready? Immigration New Zealand (INZ) now requires proof of NZ $20,000 per year to ensure you can cover rising costs. While our guide gives you the averages, your personal lifestyle might need a custom plan. Register with us for a Financial Roadmap Session—we will help you calculate your exact monthly outflow and find smart consumer hacks tailored to your specific university city.

Transportation Costs in New Zealand 2026

Public transportation is the most economical way for students to commute in the urban centres, thereby reducing the overall cost of living in New Zealand. Needless to say, the costs of transportation differ between urban, suburban, and rural areas.

Entertainment and Leisure Costs in New Zealand 2026

Entertainment and leisure activities add up significantly to the cost of living in New Zealand for international students. These activities range from adventurous outdoor activities to cultural experiences and modern entertainment.

Discover more about studying in New Zealand, from entrance exams for international students to finding suitable upcoming intakes for different courses, on our website.

New Zealand’s high minimum wage and the expanded 25-hour work rights (effective 2026) make it easier to fund your weekend adventures. But balancing 25 hours of work with a full-time degree requires a strategy. Want to maximise your earnings to offset your leisure costs? Register today to speak with our experts about finding part-time roles in your study field that help cover your entertainment and travel expenses.

What is the Monthly Cost of Living in New Zealand?

The sum of NZ $20,000, required to support one year of living expenses at the time of New Zealand Student Visa filing, covers accommodation costs, utilities, and other necessary expenditures. The cost of living in New Zealand varies with student lifestyle and choices. Given below are the monthly expenses in New Zealand for international students:

The best way to reduce your cost of living is to secure a scholarship that covers your rent or provides a stipend. From the New Zealand Excellence Awards to university-specific merit grants, we help you find and apply for funding you might not even know exists. Register now to find your scholarship matches.

Actionable Tips to Save Money for International Students

The following strategies will help you reduce the cost of living in New Zealand, ensuring that your stay is worthwhile and memorable:

• Create a Detailed Budget: List all of your expected expenses and income in a realistic budget. Divide essentials like groceries, utilities, and lodging into groups. Use the remaining funds wisely, giving needs a higher priority than wants.
• Consider Low-Cost Accommodations: Look into areas that are not as expensive. Think about smaller residences outside city centres, or shared apartments or homestays. If you qualify, look into government housing help programmes.
• Become a Smart Consumer: Give priority to buying groceries at nearby farmers' markets or cheap stores. To get the most value, make use of discount apps and loyalty programmes. Many international students use student discounts to reduce the overall cost of living in New Zealand.
• Consider Active Commutes or Public Transit: Make use of economical public transport systems such as buses and trains to commute at a reduced cost. For shorter distances, think about riding a bike or walking to reduce transportation costs and improve your health.
• Evaluate Utility Use: Use energy-saving equipment, take shorter showers, and adopt sensible lighting practices. These save up significantly on utility bills over time.
• Choose Do-It-Yourself Solutions: Take into account acquiring the fundamental skills needed for minor home repairs or upkeep. Look into free online courses or community seminars to reduce your dependency on outside help and increase your sense of empowerment.
• Co-living or Flatmates: Living together with responsible roommates can drastically cut down on housing expenses. This can be helpful in reducing the overall cost of living, especially in New Zealand in bigger cities where rental demand is high.
• Scholarships Search: This is an early step when you are still in your home country. Shortlist the right set of New Zealand universities and apply well in time to ensure that you do not miss out on the scholarship opportunities.

The experience of studying in New Zealand is diverse and enriching, but an international student needs to be aware of the living costs to plan their finances accordingly. Shared accommodation, cooking at home, and using public transport will help make life affordable. Proper financial planning and awareness of regional cost differences will help make international students' stay worthwhile while studying in New Zealand.

Navigating the costs of living, tuition, and the strict New Zealand Student Visa financial checks for 2026-2027 can be overwhelming. Secure your future in New Zealand with expert support with AECC. As your end-to-end partner, we handle the heavy lifting—from university applications to financial documentation. Join thousands of students who have successfully moved to the Land of the Long White Cloud—register with us today for a free consultation.