​Living costs for Singaporean students in New Zealand

New Zealand’s stunning landscapes and world-class education system attracts over 200,000 international students each year. 

Before embarking on your academic journey in NZ, it’s key to understand the living costs that await you as an international student. While the cost of living will vary depending on what city you live in, knowing the general costs to expect will enable you to maintain effective financial planning and budgeting throughout your study abroad. 

Generally, international students should budget approximately NZ$20,000 to NZ$25,000 per year for living expenses, excluding tuition fees. Additionally, New Zealand’s Goods and Services tax (GST) of 15% is added to the price of most goods and services, including groceries, restaurant meals, and retail.

The living expenses for international students in New Zealand can be generally broken down into several key areas: accommodation, food, transportation, and personal expenses (e.g. entertainment, utilities). 

On a monthly basis, you can expect to spend between NZ$1,600 and NZ$2,100, excluding rent and university tuition fees. This number also varies depending on the city you stay in: for instance, estimated monthly costs of living in Auckland are around ​​NZ$1,745, while in Christchurch, it’s more affordable at NZ$1,577. Other factors that can significantly impact your monthly expenses are the type of accommodation you select, your individual lifestyle, and your personal spending habits. Being mindful of these elements will help you tailor your budget effectively. 

For students from ​​Singapore, it's helpful to compare the living costs for international students in New Zealand to what they might be accustomed to. Generally, the cost of living in New Zealand can be lower than in Singapore, even in major urban centres like Auckland and Wellington. 

While some aspects, like dining out at budget-friendly establishments, might be comparable, rent and overall daily expenses (excluding rent) can be more significant in New Zealand. Therefore, careful budgeting and financial planning are essential for Singaporean students preparing to study in New Zealand. 

Accommodation will likely be one of your most significant expenses. Here's a breakdown of typical weekly costs depending on your chosen student accommodation in New Zealand: 

Your student living costs in New Zealand will also include food. On average, budget ​​between NZ$300 and NZ$450 per month for groceries and meals. To save money, prioritise cooking at home using fresh, locally sourced ingredients—this also allows you to take full advantage of New Zealand’s myriad of local produce. You can also explore the offerings at local market,s which may provide better value than large supermarket chains. Additionally, keep an eye out for student meal deals or food discounts that may be available at or near your university.

Getting around is another factor in your student living expenses. Monthly transportation costs in New Zealand can range from ​​NZ$50 to NZ$150, depending on the city you live in and how frequently you use public transport. 

Many cities in New Zealand offer student discounts on buses, trains, and ferries, so be sure to inquire about these options. For example, in Auckland, full-time students at universities or polytechnics can apply for a tertiary student concession on their registered AT HOP card, which provides 20% off travel on most buses, trains, and ferries. For a more budget-friendly and active way to travel, consider renting a bike, which typically costs between NZ$20 and NZ$50 per month. 

When calculating your student living costs in New Zealand, don't forget utilities and internet. Basic utilities such as gas, electricity, and water can amount to NZ$30 to NZ$80 per week. In shared accommodation or university housing, these costs are often included in your rent, but it's crucial to confirm this before signing any agreements. 

For phone plans, basic options range from ​​NZ$15 to NZ$30 per month, with data packages incurring additional charges. Prepaid plans allow you to control how much you spend, while contracts offer greater flexibility, especially if you’re going to be in NZ for an extended period of time. Consider if you’ll need to regularly make international calls, as this tends to add a premium to phone bills and plans. 

Internet broadband connections typically cost between​​ NZ$50 and NZ$100 per month. Do compare between internet service providers to assess download limits and explore options for student plans, if available. Wi-Fi costs are usually included in homestays and on-campus accommodations, so you won’t need to pay extra. You can also use free or cheap Wi-Fi at public places such as on-campus and off-campus public libraries or internet cafes.

International students in New Zealand are required to have health insurance to meet their New Zealand student visa requirements. The annual cost for private health insurance typically ranges from ​​NZ$500 to NZ$700 though costs may vary across providers and plan tiers. Many educational institutions also offer packaged health insurance plans specifically designed for international students, which can simplify the process of obtaining adequate coverage.

Your living costs should also account for entertainment and personal expenses. On average, budget between ​​NZ$50 to NZ$150 per month for activities such as dining out, going to the movies, participating in social events, and other forms of leisure. 

Take advantage of student discounts offered at many attractions, cinemas, and events to make your entertainment budget go further. You can also explore low-cost attractions such as hiking and trekking that allow you to immerse yourself in New Zealand’s natural beauty at the same time.

While this page focuses on living costs for international students, it's essential to have an understanding of international student tuition fees in NZ as part of your overall financial planning:  

• Undergraduate programs generally range on average from ​​NZ$35,000 to NZ$55,000 per year, with most students able to complete Bachelor’s programs in three years. Specific program cost estimates include: 

  • ​​​Arts and Humanities: NZ$22,000 to NZ$27,000 per year. 

  • Business and Management: NZ$25,000 to NZ$32,000 per year. 

  • Engineering and Technology: NZ$28,000 to NZ$35,000 per year. 

  • Health Sciences and Medicine: NZ$35,000 to NZ$50,000 per year. 

• Graduate program fees range from about ​​NZ$20,000 to NZ$45,000 per year. Notably, PhD fees for international students are set at the same rate as domestic students at about NZ$6,500 to NZ$7,500 per year. This makes New Zealand a desirable and competitive destination for PhD candidates. 

These costs exclude student service fees (around NZ$300 to NZ$1,000 per year) and other education-related payments and incidentals. 

International students with a valid visa are generally permitted to work up to 20 hours per week during the academic term and full-time during university holidays. Masters by Research and PhD students do not have a limit on work hours, enabling them to fully pursue their research areas. 

The average hourly wage ranges from NZ$18 to NZ$22. Common on-campus jobs include working in university libraries or student centres, while off-campus opportunities can typically be found in retail and hospitality.

Understanding the cost of living in New Zealand for international students is a vital step in preparing for your study abroad journey. By carefully considering all the possible contributors to your monthly spend, you can create a realistic budget and ensure a successful and enjoyable university experience abroad. 

Remember that these figures are averages, and your actual expenses will depend on your individual choices and circumstances. Planning ahead and managing your finances wisely will allow you to focus on your studies and immerse yourself in the unique culture and environment that New Zealand has to offer.