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Cost of Living in Thames

Thames, Waikato, New Zealand · Population 7,680

▼ -16% vs New Zealand average

Single person, monthly (incl. rent)$1,499 ($909)
Couple, monthly$2,727 ($1,653)
Family of four, monthly$3,590 ($2,176)

Estimated Prices in Thames

ExpenseEstimated costBasis
Meal at an inexpensive restaurant$13.81 ($8.37)per meal
Three-course meal for two, mid-range$55.24 ($33.48)per meal
Cappuccino$4.14 ($2.51)each
Monthly groceries (single person)$313 ($190)per month
Monthly public transport pass$50.64 ($30.69)per month
Basic utilities for an 85m² apartment$134 ($80.91)per month
Internet (60 Mbps, unlimited)$38.67 ($23.44)per month
Fitness club membership$38.67 ($23.44)per month
Cinema ticket$10.13 ($6.14)each
One-bedroom apartment in city centre$832 ($504)per month
One-bedroom apartment outside centre$579 ($351)per month
Three-bedroom apartment in city centre$1,736 ($1,052)per month

Salary & Budget Planning

The estimated average net salary in Thames is $4,455 ($2,700) per month. To live comfortably — covering the full single-person budget of $1,499 ($909) with about 30% left over for savings — you would need a net income of roughly $1,949 ($1,181) per month.

Housing takes the largest share: rent for a one-bedroom outside the centre ($579 ($351)) represents about 39% of the total single-person budget.

Compare Thames

Thames vs AucklandThames vs ChristchurchThames vs WellingtonThames vs NorthcoteThames vs HamiltonThames vs Tauranga

Nearby Cities

Pukekohe East

53 km away · Auckland

Manukau City

62 km away · Auckland

Waiuku

73 km away · Auckland

Hamilton

75 km away · Waikato

Auckland

76 km away · Auckland

Northcote

80 km away · Auckland

Tauranga

82 km away · Bay of Plenty

Cambridge

83 km away · Waikato

Other Major Cities in New Zealand

Auckland

Auckland · pop. 1,470,100

$2,246 ($1,361) / mo

Christchurch

Canterbury · pop. 383,200

$1,794 ($1,087) / mo

Wellington

Wellington · pop. 216,200

$1,683 ($1,020) / mo

Northcote

Auckland · pop. 205,605

$1,683 ($1,020) / mo

Hamilton

Waikato · pop. 176,500

$1,683 ($1,020) / mo

Tauranga

Bay of Plenty · pop. 151,300

$1,683 ($1,020) / mo

Dunedin

Otago · pop. 106,200

$1,683 ($1,020) / mo

Lower Hutt

Wellington · pop. 103,400

$1,683 ($1,020) / mo

Living in Thames

Thames is one of the key cities in New Zealand. The estimated monthly cost of living for a single person is $1,499 ($909), placing it below the national average. Housing represents the largest expense, with a one-bedroom apartment outside the city centre costing around $579 ($351) per month.

For families, the estimated budget rises to $3,590 ($2,176) per month, driven mainly by larger housing needs and increased food and transport spending. Couples can expect to spend approximately $2,727 ($1,653) monthly.

The average estimated net salary in Thames is $4,455 ($2,700). To maintain a comfortable lifestyle with room for savings, a single person typically needs a net income of at least $1,949 ($1,181) per month.

Frequently Asked Questions

Is Thames expensive to live in?
A single person needs an estimated $1,499 ($909) per month in Thames including rent outside the city centre. That is 16% less than the national average for New Zealand.
What salary do you need to live comfortably in Thames?
A net salary of around $1,949 ($1,181) per month lets a single person cover all estimated expenses in Thames with roughly 30% left for savings. The estimated average net salary in Thames is $4,455 ($2,700).
How much is rent in Thames?
A one-bedroom apartment costs an estimated $832 ($504) per month in the city centre and $579 ($351) outside the centre. A three-bedroom in the centre runs about $1,736 ($1,052).
Is Thames cheaper than New Zealand on average?
Yes — Thames is estimated to be about 16% cheaper than the New Zealand average, making it a relatively affordable option in the country.
What is the cost of groceries in Thames?
Monthly groceries for one person are estimated at $313 ($190) in Thames. A meal at an inexpensive restaurant costs about $14 ($8) and a cappuccino runs around $4 ($3).
How do transport costs in Thames compare?
A monthly public transport pass in Thames is estimated at $51 ($31). Transport makes up a small share of the total budget compared to housing and food.
Figures for Thames are estimates based on New Zealand national averages adjusted for city size (population 7,680). Last model update: July 2026. How we calculate.