Share a flat
Shared rooms are the cheapest option; a studio costs much more than NZD 1,100.
🇳🇿 New Zealand, New Zealand
Cost of Living in Dunedin, Hamilton & Palmerston North
Lower-cost New Zealand university towns. Here's a realistic monthly budget for an Indian student in Dunedin, Hamilton & Palmerston North — rent, food, transport and insurance — in NZD and rupees.
- Rent NZD 700 – NZD 1,100/month
- Total NZD 1,568 – NZD 1,968/month
- ≈ ₹0.9 lakh – ₹1.2 lakh/month
- 3 universities
Talk to an expert
Plan your Dunedin, Hamilton & Palmerston North budget
A counsellor replies on WhatsApp with your checklist and next steps
Quick answer
How much does it cost to live in Dunedin, Hamilton & Palmerston North as a student?
Budget NZD 1,568 – NZD 1,968 a month (about ₹0.9 lakh – ₹1.2 lakh), or NZD 18,800 – NZD 23,600 a year. Rent for a room in shared housing is the biggest cost at NZD 700 – NZD 1,100. Dunedin, Hamilton & Palmerston North is the cheapest of the 4 cities we track in New Zealand.
Ask on WhatsAppUpdated · Reviewed by the Visa Edu Loans admissions & finance desk
Official sources: Immigration New Zealand — Student visas
Dunedin, Hamilton & Palmerston North budget at a glance
- Room in shared housing
- NZD 700 – NZD 1,100 a month
- Monthly budget
- NZD 1,568 – NZD 1,968
- Yearly budget
- NZD 18,800 – NZD 23,600
- In rupees (a year)
- ₹11 lakh – ₹14 lakh
- Visa funds rule
- Immigration New Zealand sets a living-funds amount per year of study
- Health cover
- Approved student insurance is a condition of the student visa
- Getting around
- Student discounts on city buses with a tertiary concession card
- Exchange rate used
- NZD 1 ≈ ₹60
Monthly budget
Student budget in Dunedin, Hamilton & Palmerston North
Planning estimates for 2026 — rents move quickly, so check live listings before you sign.
Compare
Dunedin, Hamilton & Palmerston North vs other student cities in New Zealand
Universities
Universities in Dunedin, Hamilton & Palmerston North
Save money
Cutting costs in Dunedin, Hamilton & Palmerston North
Cook at home
Groceries for about NZD 450 a month — Indian grocery stores are common in big cities.
Use student transport
Student discounts on city buses with a tertiary concession card
Work part-time
Up to 25 hours a week during study for eligible students; full time in scheduled holidays
FAQs
Frequently asked questions
Still have a question?
Ask a counsellor directly — we reply on WhatsApp during working hours (Mon–Sat, 9 AM–6 PM IST).
About NZD 1,568 – NZD 1,968 (₹0.9 lakh – ₹1.2 lakh), including rent.
A room in shared housing usually costs NZD 700 – NZD 1,100 a month.
Part-time work (up to 25 hours a week during study for eligible students; full time in scheduled holidays) helps, but it rarely covers everything — plan savings or a loan for living costs.
Immigration New Zealand sets a living-funds amount per year of study
Explore
Keep exploring
Universities
Universities in Dunedin, Hamilton & Palmerston North
Compare
Cost of living in other New Zealand cities
Talk to an expert
Talk to a counsellor today
Share your profile — we reply with a checklist and next steps. Expert consultations over call start at ₹355.
Mon–Sat, 9 AM–6 PM IST