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COST Of Living In COOK ISLANDS 2024 [Expat Budget Guide]

Cost of living in Cook Islands 2024 Moving Guide Introduction

Hey Friends! The Cost Of Living In Cook Islands makes it possible to Live For $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. For a strict Budget vs a Luxury Budget.

Cost of living in Cook Islands

Welcome to our comprehensive guide on the cost of living in Cook Islands in the Oceania Pacific Islands Region!

This article will take you on a journey with Videos, a Table of expenses, and more to explore the costs of living in Cook Islands, from housing and transportation to food and things to do here.

With our expert analysis and practical insights and personal experience in Cook Islands, you’ll know what to expect when making the move to this unique Pacific Country.

Whether you’re a digital nomad, Expat, Retiree, or just looking to experience Cook Islands for a few months, our guide is going to help you make the most of your budget with a range of expenses estimated to cost between $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month.

Cook Islands is one of the most beautiful places on this planet one of the last unique True Exotic destinations in the world in the South Pacific and Oceania region that offers a unique and unforgettable experience for those willing to explore for an extended period of time. If you’re considering a move to Cook Islands, here are 8 reasons why you should move Here:

  1. Cost of Living In Cook Islands: Cook Islands is not as expensive as you might think. While the cost of living in Cook Islands is higher than in other parts of the world, it is still cheaper than in many major cities worldwide and 2.5 times cheaper than in New York and California. The Average monthly cost of living, including rent, utilities, food, and transportation, ranges from $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. A studio apartment in the city can cost as low as $500 per month, while a one-bedroom apartment can range from $700 to $1,500 per month.
  2. Nature and Outdoors: The Cook Islands are home to some of the most breathtaking natural wonders in the world. This archipelago is a nature lover’s paradise, from Aitutaki’s turquoise lagoons to Rarotonga’s rugged peaks. You can spend your days hiking in the lush rainforest, swimming in the crystal-clear waters, and exploring the colorful coral reefs. With over 15 islands to choose from, you’ll never run out of places to explore.
  3. Rich Culture and History: The Cook Islands have a rich and fascinating history that dates back over 1,500 years. The islands were originally settled by Polynesians, and today, the culture is a unique blend of Polynesian, European, and Asian influences. You can explore the ancient marae (sacred sites), learn traditional crafts such as weaving and carving, and attend colorful cultural festivals.
  4. Quality of Life
  5. Beautiful Beaches and Islands: If you’re a beach lover, the Cook Islands won’t disappoint. With over 15 islands to choose from, you’ll find plenty of white sand beaches to relax on. The beaches are surrounded by crystal-clear waters that are perfect for swimming, snorkeling, and diving. Some of the most popular beaches include Muri Beach, Titikaveka Beach, and Ootu Beach.
  6. Natural Beauty: The Cook Islands are a place of natural beauty, with stunning landscapes and seascapes that will take your breath away. The islands are a photographer’s dream, from Rarotonga’s rugged peaks to Aitutaki’s coral atolls. You can explore the lush rainforest, hike to waterfalls, and take in the stunning sunsets over the ocean.
  7. Safe Country
  8. Friendly Locals: The locals in the Cook Islands are some of the friendliest and most welcoming people you’ll ever meet.

Table of Contents


Cost Of Living in Cook Islands Quick Facts Key Takeaways

Cost of living in Cook Islands Quick Facts Key Takeaways

Here are some quick facts about the cost of living in Cook Islands:

  •  Here’s a breakdown of some key expenses: Total Monthly Living Costs in Cook Islands, Is $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. For all expenses, and if you budget smartly, you can expect to spend $2500 to $3500 per month for all expenses.
  •     Cook Islands, is 2.4 times cheaper than New York City, United States.
  •     Living well in Cook Islands is possible with a monthly income of around $3000.
  •     The monthly rent, food budget, housing expenses, and transportation options in Cook Islands are determined by your budget.
  •     To maintain the same standard of life as $10,000 in New York City, an estimated $5,400 is needed in Cook Islands.
  •     On average, the cost of living in Cook Islands, is 44% lower than in New York City, United States.
  •     On average, rent in Cook Islands is 44% cheaper than in New York City, New York, USA.
  •     The costs of rent in Cook Islands range from $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. Depending on your budget.
  •     A budget food and grocery plan in Cook Islands will cost around $300- $1000 per month, depending on location and budget.
  •     An estimated monthly cost for a family of four in Cook Islands is $3950.
  •     An estimated monthly cost for a single person in Cook Islands is $2000 – 4,000.
  •     Transportation costs in Cook Islands are estimated to be $40 – $700 per month.
  •     The average monthly cost of living in Cook Islands for local natives with a good job is around $2000. Expats and digital nomads may spend more, $2000 – $4100 per month, to maintain their living standards in Cook Islands. We spent around $2,010 to $3,300 USD (2,815 to 4,960 NZD) per month for example.

Our Personal Costs of Living in Cook Islands: Table of expenses Breakdown 2024

This Is a table of expenses of what we personally spent living as digital nomads every month in Cook Islands. Sometimes, we spent less or more.

Here’s a breakdown of our monthly cost of living in Cook Islands:

  1. Our Monthly Cost of Rent and Accommodation: Our estimated monthly rent for a studio or one-bedroom apartment in Cook Islands ranges from $900 to $1,500 USD (1,300 to 2,200 NZD).
  2. Our Monthly Cost of Utilities: We expect to pay $100 to $200 USD (140 to 280 NZD) per month for utilities like electricity and water.
  3. Our Monthly Cost of Gym Membership: We plan to join a gym, which will cost us $60 to $100 USD (85 to 140 NZD) per month.
  4. Our Monthly Cost of Food and Groceries: We anticipate spending $400 to $600 USD (560 to 840 NZD) per month on food and groceries.
  5. Our Monthly Cost of Transportation: Our monthly transportation costs will likely range from $50 to $100 USD (70 to 140 NZD), depending on how we choose to get around.
  6. Our Monthly Cost of Activities, Leisure, and Entertainment: We plan to enjoy a few leisure and entertainment activities each month, which will cost us around $300 to $500 USD (420 to 700 NZD).
  7. Our Monthly Cost of Health Insurance: We will also need to pay for health insurance, which will cost us $50 to $200 USD (70 to 300 NZD) per month.

All of these expenses total to our Monthly Cost Of Living In Cook Islands From $2,010 to $3,300 USD (2,815 to 4,960 NZD) per month.

Here is a table of Expenses for what we personally spent in Cook Islands:

Our Monthly Cost of Living In Cook IslandsCost (USD)Cost (NZD)
Our Monthly Cost of Rent and Accommodation$900 – 1,500 USD1,300 – 2,200 NZD
Our Monthly Cost of Utilities$100 – 200 USD140 – 280 NZD
Our Gym Cost per month in Cook Islands$60 – 100 USD85 – 140 NZD
Our Monthly Cost of Food and Groceries$400 – 600 USD560 – 840 NZD
Our Monthly Cost of Transportation$50 – 100 USD70 – 140 NZD
Our Monthly Cost of Activities, Leisure, Entertainment$300 – 500 USD420 – 700 NZD
Our Monthly Cost of Health Insurance$200 – 400 USD280 – 560 NZD
Our Monthly Cost of Living in Cook Islands total expenses$2,010 – 3,300 USD2,815 – 4,960 NZD
Our Monthly Cost of Living in Cook Islands total expenses$2,010 – 3,300 USD2,815 – 4,960 NZD

Monthly Cost of Living in Cook Islands Summary Cost Of Rent, Groceries, Transportation, Healthcare: $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month

Monthly Cost Of Living In Cook Islands Summary

You can live in Cook Islands, for around $1,680 a month for all expenses on a tight budget or $6,480 a month if you want to live much more luxuriously. The Cost of living in Cook Islands is from $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month.

You can still maintain a monthly budget and enjoy all the beautiful things Cook Islands, offers.

Here is a breakdown of the costs:

  • Rent: The cost of renting an apartment in Cook Islands varies depending on the number of bedrooms and location. A studio apartment in the city can cost between $800 and $1,200 USD per month, which is equivalent to 1,260 – 1,680 NZD. A one-bedroom apartment in the city can cost between $1,200 and $1,800 USD per month, or 1,680 – 2,520 NZD. A two-bedroom apartment in the city can cost between $1,800 and $2,500 USD per month, or 2,520 – 3,500 NZD. A three-bedroom apartment can cost between $2,500 and $4,500 USD per month, or 3,500 – 7,300 NZD.
  • Utilities: The cost of utilities in Cook Islands includes electricity and water bills, which can range between $100 and $200 USD per month, or 140 – 280 NZD.
  • Mobile phone: A mobile phone with an unlimited data plan and a SIM card can cost between $20 and $80 USD per month, or 28 – $100 NZD.
  • Internet: The cost of internet service in Cook Islands ranges from $50 to $100 USD per month, or 70 – 140 NZD.
  • Food: The cost of food in Cook Islands can vary depending on whether you choose to eat out or buy groceries. Groceries for a month can cost between $150 and $400 USD, or 210 – 560 NZD. Dining out or enjoying the nightlife can cost around $250 – $600 USD per month, or 350 – 840 NZD.
  • Transportation: Public transportation, taxis, scooter or car rental are common methods of transportation in Cook Islands. The cost of transportation is estimated to be between $50 and $100 USD per month, or 70 – 140 NZD.
  • Healthy activities: If you enjoy exercise or fitness activities, you can join a gym or a martial arts or yoga class. The cost of such activities ranges from $60 to $100 USD per month, or 85 – 140 NZD.
  • Health insurance: For those who need health insurance in Cook Islands, the cost can be between $200 and $400 USD per month, or 280 – 560 NZD, depending on the plan.

The total cost of living in Cook Islands per month can range from $1,680 to $6,480 USD, or 2,700 – 10,500 NZD.

A great monthly budget for a single person living in Cook Islands, is around $2500 to $4000 monthly. You can also do it for cheaper.

The costs of living in Cook Islands, Depending on various factors and spending habits, the price may change. Others spend $5400 or more each month for an extravagant, next-level lifestyle or even $1800 on the strictest budget staying in hostels, couchsurfing, and smaller studio apartments, ensuring they make it work no matter what!

  • Expect to spend $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. for a single person or a family living in Cook Islands. $2000 per Month is sufficient to live on.
  •       Local Cook Islands markets, Local Food trucks, Local food shops, and supermarkets are the most cost-effective and knowledgeable ways to shop and eat in Cook Islands!

Here is a table of expenses for a couple living in Cook Islands per month:

Average Cost of Living In Cook IslandsCost in USDCost in NZD
Rent (Studio apartment)$800 – $1,200 USD1,260 – 1,680 NZD
Rent (1 bedroom apartment)$1,200 – $1,800 USD1,680 – 2,520 NZD
Rent (2 bedroom apartment)$1,800 – $2,500 USD2,520 – 3,500 NZD
Rent (3 bedroom apartment)$2,500 – $4,500 USD3,500 – 7,300 NZD
Utilities (electricity, water)$100 – $200 USD140 – 280 NZD
Mobile phone (unlimited data plan, Sim Card)$20 – $80 USD28 – $100 NZD
Internet (wifi)$50 – $100 USD70 – 140 NZD
Food (groceries, dining out, Partying, nightlife)$400 – $1000 USD560 – 840 NZD
Transportation (Public transport, Taxi, Scooter, car)$50 – $100 USD70 – 140 NZD
Healthy activities (gym, martial arts, yoga, massages)$60 – $100 USD85 – 140 NZD
Health insurance (SafetyWing, World Nomads, or Medicare)$200 – $400 USD280 – 560 NZD
Cost of Living In Cook Islands Per Month Total Expenses$1,680 – $6,480 USD2,700 – 10,500 NZD

Cost of Living in Cook Islands: Table of Expenses in 2024

This table of expenses will help you plan your budget for your move to Cook Islands.

The Cost of living table below An extensive poll of Digital Nomads, Expats, travelers, our personal experience living Here, Locals, and Numbeo users were used to put this together.

The Exchange Rate is $1 USD is Currently equal to 1.5 NZD Currency NZD This estimate is based on a Strict Budget Vs. A luxury Budget in Cook Islands per Month! The Cost Of Living Per Month In Cook Islands, is $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month or more, depending on your spending habits! Check out the Currency Converter.

Here is the Table of the monthly budget for two people living in Cook Islands:

Cost of Living in Cook Islands per personCost in USDCost in NZD
Cost of living for a single person in Cook Islands$1,700 – $2,950NZD 2,700 – NZD 4,600
Cost of living for a couple in Cook Islands$1,950 – $3,250NZD 2,925 – NZD 4,875
Cost of living for a family of four in Cook Islands$3,900 – $5,850NZD 5,850 – NZD 10,125
Average Monthly Expenses in Cook IslandsCost in USDCost in NZD
Average monthly rent for a studio$600 – $1,000NZD 900 – NZD 1,500
Average monthly cost for food and groceries$400 – $600NZD 600 – NZD 900
Average monthly cost for dining out$200 – $300NZD 300 – NZD 450
Average monthly cost for miscellaneous items$150 – $225NZD 225 – NZD 337.50
Average monthly cost for utilities$100 – $150NZD 150 – NZD 225
Average monthly cost for transportation$50 – $75NZD 75 – NZD 112.50
Total average monthly cost of living in Cook Islands$1,500 – $2,350NZD 2,250 – NZD 3,525
Cost of Living in Cook Islands ExpensesCost (Monthly) in USDCost (Monthly) In NZD
Cost of Rent and Accommodation in Cook Islands$600 – $3,000NZD 900 – NZD 4,500
Cost of Food and Groceries in Cook Islands$400 – $600NZD 600 – NZD 900
Cost of Utilities in Cook Islands$100 – $150NZD 150 – NZD 225
Cost of Public Transportation in Cook Islands$50 – $75NZD 75 – NZD 112.50
Cost of Private Transportation in Cook Islands$150 – $225NZD 225 – NZD 337.50
Cost of Healthcare in Cook Islands$50 – $75NZD 75 – NZD 112.50
Cost of Entertainment in Cook Islands$100 – $150NZD 150 – NZD 225
Cost of Clothing and Personal Items in Cook Islands$100 – $150NZD 150 – NZD 225
Cost of Activities and Excursions in Cook Islands$150 – $225NZD 225 – NZD 337.50

Cost of Rent In Cook Islands In-Depth Summary And Table of Expenses

Cost of rent and accommodation in Cook Islands

The cost of accommodation in Cook Islands is essential for many expats, retirees, digital nomads, and locals. It can vary depending on the apartment type and location you are looking for.

The cost of studio and one-bedroom apartments in Cook Islands:

  • Cost of a Studio Apartment in the City: Renting a studio apartment in the city can cost you around $600 to $1000 USD per month or NZD $900 to $1500.
  • Cost of a Studio Apartment outside the City: If you are looking for a studio apartment outside the city, it can cost you around $500 to $800 USD per month or NZD $750 to $1200.
  • Cost of a 1 Bedroom Apartment in the City: Renting a 1 bedroom apartment in the city can cost you around $800 to $1500 USD per month or NZD $1200 to $2200.
  • Cost of a 1 Bedroom Apartment outside the City: If you prefer to live outside the city, the cost for renting a 1 bedroom apartment can range from $700 to $1200 USD per month or NZD $1050 to $1800.
Cost of an Apartment in Cook IslandsLocationAverage Cost per Month (USD)Average Cost per Month (NZD)
Cost of a Studio in the cityCity$600 – $1000NZD $900 – $1500
Cost of a Studio outside the cityOutside City$500 – $800NZD $750 – $1200
Cost of a 1 bedroom in the cityCity$800 – $1500NZD $1200 – $2200
Cost of a 1 bedroom outside the cityOutside City$700 – $1200NZD $1050 – $1800

The Cost of 2 Bedroom Apartment in Cook Islands:

  • For a 2 bedroom apartment in the city, the average monthly cost ranges from $1,200 to $2,500 USD, which is equivalent to 1,730 to 3,610 NZD.
  • For a 2 bedroom apartment outside the city, the average monthly cost ranges from $1,000 to $2,500 USD, which is equivalent to 1,500 to 3,610 NZD.
Cost of a 2 bedroom Apartment in Cook IslandsLocationAverage Cost per Month (USD)Average Cost per Month (NZD)
Cost of a 2 bedroom in the city of Cook IslandsCity$1,200 – $2,5001,730 – 3,610 NZD
Cost of a 2 bedroom outside the city of Cook IslandsOutside City$1,000 – $2,5001,500 – 3,610 NZD

The Cost of a 3 bedroom apartment in Cook Islands:

  • The cost of a 3 bedroom apartment in the city of Cook Islands ranges from $2000 to $4000 per month, or NZD $2900 to NZD $5800 per month.
  • The cost of a 3 bedroom apartment outside the city of Cook Islands ranges from $1500 to $3000 per month, or NZD $2200 to NZD $4300 per month.
Cost of a 3 bedroom Apartment in Cook IslandsLocationAverage Cost per Month (USD)Average Cost per Month (NZD)
Cost of a 3 bedroom in the city of Cook IslandsCity$2000 – $4000NZD $2900 – NZD $5800
Cost of a 3 bedroom outside the city of Cook IslandsOutside City$1500 – $3000NZD $2200 – NZD $4300

The Cost of a Luxury Apartment in Cook Islands per month:

  • Cost of a Luxury apartment in the city: Luxury apartments located in the city in the Cook Islands have an average monthly cost of $3000 – $7000 USD or NZD $4300 – $10000.
  • Cost of a Luxury apartment outside the city: Luxury apartments located outside the city in the Cook Islands have an average monthly cost of $2000 – $5000 USD or NZD $2900 – $7200.
Cost of a Luxury Apartment in Cook IslandsLocationAverage Cost per Month (USD)Average Cost per Month (NZD)
Cost of a Luxury apartment in the cityCity$3000 – $7000NZD $4300 – $10000
Cost of a Luxury apartment outside the cityOutside City$2000 – $5000NZD $2900 – $7200

Suppose you’re considering renting an apartment in Cook Islands. In that case, your best bet is to opt for a monthly rental in person, via Facebook Marketplace, Real estate Cook Islands rental group on Facebook, Booking.com, and Airbnb.

  • To save money on your rental and daily expenses, consider looking for an apartment located in a neighborhood with access to local markets, gyms, and restaurants and short walking distances and safe areas.
  • You can also join Facebook groups such as “Digital Nomads in Cook Islands” or “Expats in Cook Islands” and Cook Islands rental group on Facebook to connect with others and potentially find affordable rental options.
  • Alternatively, consider staying at a Hostel, Airbnb, hotel monthly, homestay, guesthouse, or bed and breakfast in Cook Islands for more affordable rates rather than a costly hotel or tourist location.

Monthly Rent in Cook Islands: Table of Expenses in 2024

Here is a table of expenses for the Cost of rent and Accommodation in Cook Islands per month:

Cost of Rent in Cook IslandsCost per Month (USD)Cost per Month (NZD)
Studio Apartment$500 – $1000NZD $700 – $1400
1 Bedroom Apartment$800 – $1500NZD $1100 – $2100
2 Bedroom Apartment$1000 – $2000NZD $1400 – $2800
3 Bedroom Apartment$1500 – $3000NZD $2100 – $4200
Luxury Apartment$3000 – $5000NZD $4200 – $7000
Average Monthly Rent Expense in Cook IslandsAverage Monthly Rent in USDAverage Monthly Rent in NZD
Average monthly rent for a studio$600 – $900 USD886 – 1,330 NZD
Average monthly rent for a 1 bedroom$800 – $1,200 USD1,180 – 1,770 NZD
Average monthly rent for a 2 bedrooms$1,200 – $1,800 USD1,770 – 2,655 NZD
Average monthly rent for a 3 bedrooms$2,000 – $3,000 USD2,950 – 4,430 NZD

Here is a table of estimated costs for rent and accommodation in Cook Islands:

Accommodation Type in Cook IslandsAverage Monthly Cost in USDAverage Monthly Cost in NZD
Price of a 1 bedroom apartment in city center$900 – $1,200NZD 1,250 – NZD 1,700
Price of a 1 bedroom apartment outside city center$600 – $900NZD 850 – NZD 1,250
Price of a studio apartment in city center$700 – $1,000NZD 1,000 – NZD 1,400
Price of a studio apartment outside city center$500 – $800NZD 700 – NZD 1,150
Price of a shared room in city center$400 – $600NZD 550 – NZD 850
Price of a shared room outside city center$300 – $500NZD 400 – NZD 700
Price of a hotel room (3-star)$90 – $160NZD 120 – NZD 210
Price of a hotel room (5-star)$230 – $300NZD 300 – NZD 400
Price of a 2 bedroom apartment in city center$1,200 – $1,500NZD 1,650 – NZD 2,050
Price of a 2 bedroom apartment outside city center$800 – $1,200NZD 1,150 – NZD 1,700
Price of a 3 bedroom apartment in city center$1,800 – $2,200NZD 2,450 – NZD 3,000
Price of a 3 bedroom apartment outside city center$1,200 – $1,800NZD 1,700 – NZD 2,550
Housing Accommodation TypePrice Range per day (USD)Price Range per day (NZD)
Hostel$20 – $50NZD 30 – NZD 70
Budget Hotel$50 – $100NZD 70 – NZD 140
Mid-range Hotel$100 – $250NZD 140 – NZD 350
Luxury Hotel$250 – $500NZD 350 – NZD 700
Vacation Rental$50 – $200NZD 70 – NZD 280
Guest House$50 – $150NZD 70 – NZD 210
Bed & Breakfast$50 – $150NZD 70 – NZD 210

Living in Cook Islands Credible Reliable Sources

Here is a list of Government resources for Visas, Cost of living in Cook Islands, Tourism Boards, and more to help you with your potential move here! I hope this helps you all as you plan your move here!


Cost Of Transportation In Cook Islands Summary and Table of expenses

The average cost a traveler spends a day on transportation while in Cook Islands, is $5 to $30 a day USD or $40 – $1000 per month depending on if you use transport by Bus, ferries, have your own scooter, or rent a car or ATV four wheeler.

Here are different methods of public transport you can do in Cook Islands:

  • Bus (Local) in Rarotonga: The cost for a local bus ride in Rarotonga ranges from $0.90 to $2.20, which is equivalent to NZD 1.30 to 3.20.
  • Bus (Long-Distance) in Rarotonga: If you plan to travel long distances on the local bus in Rarotonga, you should expect to pay around $3.60 to $6.50 per trip equivalent to NZD 5.20 to 9.40.
  • Taxi (City) in Rarotonga: A taxi ride within Rarotonga ranges from $3.60 to $6.50, equivalent to NZD 5.20 to 9.40.
  • Taxi (Long-Distance) in Rarotonga: If you plan to travel long distances by taxi within Rarotonga, you should expect to pay around $18 to $36 per trip, which is equivalent to NZD 26 to 52.
  • Rental Car (Compact): Renting a compact car in Cook Islands costs around $41 to $58 per day or $400 to $700 per month, which is equivalent to NZD 59 to 83.
  • Rental Car (Luxury) in Rarotonga: If you’re looking to rent a luxury car in Rarotonga, you should expect to pay around $77 to $105 per day or $700 to $1000 per month, which is equivalent to NZD 111 to 151.
  • Bicycle: Bicycles are available for rent on the islands, and the cost ranges from $0 to $6.50 per day, which is equivalent to NZD 0 to 9.40.
  • Scooter: Renting a scooter costs around $10 to $36 per day or $200 per month, which is equivalent to NZD 14.50 to 52.
  • Four Wheeler, Quad Bike: Renting a four-wheeler or quad bike costs around $51 to $105 per day or $400 per month, which is equivalent to NZD 74 to 151.
  • Ferry (Inter-Island): The cost for a ferry ride between the Cook Islands varies depending on the distance traveled and the operator, but it generally ranges from $10 to $36 per trip, which is equivalent to NZD 15 to 52.
  • Domestic Flight: If you’re planning to fly within the Cook Islands, the cost of a one-way ticket ranges from $79 to $1000, which is equivalent to NZD 114 to 1500, depending on the airline and the destination.

Here is a detailed table of estimated costs for public transportation in Cook Islands:

Transportation Option in Cook IslandsAverage per Trip Cost (USD)Average Cost (NZD)
Bus (Local) in Rarotonga$0.90 – $2.20NZD 1.30 – 3.20
Bus (Long-Distance) in Rarotonga$3.60 – $6.50NZD 5.20 – 9.40
Taxi (City) in Rarotonga$3.60 – $6.50NZD 5.20 – 9.40
Taxi (Long-Distance) in Rarotonga$18 – $36NZD 26 – 52
Rental Car (Compact)$41 – $58 or $400 – $700 per monthNZD 59 – 83
Rental Car (Luxury) in Rarotonga$77 – $105 or $700 – $1000 per monthNZD 111 – 151
Bicycle$0 – $6.50NZD 0 – 9.40
Scooter$10 – $36 or $200 per monthNZD 32 – 52
Four Wheeler, Quad Bike$51 – $105 or $400 per monthNZD 74 – 151
Ferry (Inter-Island)$10 – $36NZD 15 – 52
Domestic Flight$79 – $1000NZD 114 – 1500

Additionally, here are some other related expenses:

  • Gasoline (1 gallon): around $4 – $7 per gallon.
Monthly Cost Of Gas and Petrol For Scooter in Cook IslandsCost in USDCost In NZD
Average monthly cost for gasoline, Petrol for scooter$30 – $100NZD 49 – 160 NZD

Ultimately, we recommend renting a Scooter This will give you the best experience, and you can explore Cook Islands this way.


Cost of Food and Markets In Cook Islands Explained: Table Of Expenses 2024

The average cost of food per day in Cook Islands is about $10 to $30 per day or $300 to $800 per month.

Another great option is to shop at the local markets for affordable fresh food and cook meals at home.

But if you eat at local food stalls and supermarkets around your area, you’re looking to spend around $300 or more on food per Month in the Cook Islands.

The average monthly cost of food in Cook Islands is as follows:

  • Local food: On average, the monthly cost of local food in Cook Islands ranges from $300 to $500 USD or NZD $425 – $710. This includes the cost of fresh produce, meat, and fish, which are widely available in local markets and shops.
  • Mid-range restaurants: Eating at mid-range restaurants in Cook Islands costs between $15 and $30 per meal, or NZD $21 – $42. This type of restaurant serves a variety of cuisines including local, Western, and Asian.
  • Fine dining restaurants: The cost of fine dining restaurants in Cook Islands ranges from $50 to $100 per meal, or NZD $70 – $140 per meal. These restaurants offer upscale dining experiences and specialize in local and international cuisines.
  • Groceries: The monthly cost of groceries in Cook Islands ranges from $200 to $600 USD, or NZD $283 – $700. This includes the cost of items like rice, bread, dairy products, canned goods, and other essentials.
  • Supermarkets (imported goods): Imported goods at supermarkets in Cook Islands cost $10 to $70 USD or NZD $15 – $100. These stores offer a range of imported food items like fruits, vegetables, dairy, and other products that are not typically found in local markets.
  • Street food: Street food in Cook Islands costs $5 to $10 USD per meal or NZD $7 – $14 per meal. This is a great option for those on a budget, and you can find street vendors selling local dishes like grilled seafood, burgers, sandwiches, and more.
  • Specialty food stores: Specialty food stores in Cook Islands offer unique and high-quality food items like cheeses, wines, and chocolates. The monthly cost of shopping at these stores is around $50 to $100 USD or NZD $70 – $140.

The overall monthly cost of food in Cook Islands ranges from $400 to $800 USD, or NZD $650 – $1135.

Here is a table of expenses for the Cost of Food in Cook Islands per month:

Monthly Food Expenses in Cook IslandsAverage Monthly Cost (USD)Average Monthly Cost (NZD)
Local food$300 – $500NZD $425 – $710
Mid-range restaurants$15 – $30 per mealNZD $21 – $42 per meal
Fine dining restaurants$50 – $100 per mealNZD $70 – $140 per meal
Groceries$200 – $600NZD $283 – $700
Supermarkets (imported goods)$10 – $70NZD $15 – $100
Street food$5 – $10 per mealNZD $7 – $14 per meal
Specialty food stores$50 – $100NZD $70 – $140
Overall Monthly Cost of Food in The Cook Islands$400 – $800NZD $650 – $1135
Average Monthly Food Costs in Cook IslandsCost in USDCost in NZD
Local Food Markets, Street food and Local Supermarkets and cheaper dining options$200 – $800320 – 1,300 NZD
Eating out at Mid range restaurants and expensive restaurants per month (No Budget)$600 – $1,000980 – 1,500 NZD

Here is an example table of expenses for the average monthly food and grocery costs in Cook Islands:

Monthly Food Expenses in Cook IslandsCost in USDCost in NZD
Average monthly cost for groceries$300 – $600NZD 350 – 650
Average monthly cost for dining out$20 – $200NZD 30 – 250
Average monthly cost for miscellaneous food items$20 – $50NZD 30 – 70
Total average monthly cost for food in Cook Islands$340 – $850NZD 550 – 1,300

Here is a table of estimated costs for food and Groceries in supermarkets in Cook Islands:

Cost Of Food and Groceries In a Supermarket in Cook IslandsEstimated Cost (USD)Estimated Cost (NZD)
Milk (1 liter)$2.50-4.00$3.50-5.50
Bread (500g loaf)$1.80-3.50$2.50-5.00
Rice (1kg)$2.00-4.00$2.80-5.50
Chicken (1kg)$7.00-12.00$10.00-17.00
Apples (1kg)$2.50-4.50$3.50-6.50
Oranges (1kg)$2.50-4.50$3.50-6.50
Eggs (1 dozen)$3.00-5.00$4.20-7.00
Cheese (1kg)$10.00-15.00$14.00-21.00
Beef (1kg)$10.00-15.00$14.00-21.00
Potatoes (1kg)$1.50-3.00$2.00-4.20
Tomatoes (1kg)$2.50-4.50$3.50-6.50
Onion (1kg)$1.50-3.00$2.00-4.20
Water (1.5 liter bottle)$1.50-2.50$2.00-3.50
Soft drink (1.5 liter bottle)$2.50-4.00$3.50-5.50
Beer (330ml bottle)$2.50-4.50$3.50-6.50
Wine (mid-range bottle)$10.00-15.00$14.00-21.00
Fast food meal$6.00-10.00$8.50-14.00
Restaurant meal (mid-range)$20.00-35.00$28.00-49.00

Here is a table of some popular local food in Cook Islands:

Local and Traditional Cook Islands FoodDescriptionEstimated Cost (USD)Estimated Cost (NZD)
Ika MataRaw fish marinated in lime juice, coconut cream and vegetables$8.00-15.00$11.00-21.00
RukauTaro leaves cooked in coconut cream$5.00-10.00$7.00-14.00
PokeCooked, mashed taro mixed with coconut cream$5.00-10.00$7.00-14.00
EkeOctopus cooked in coconut cream with taro$10.00-20.00$14.00-28.00
RoriSweet mashed banana$2.00-4.00$3.00-6.00
Ika Mata BurgerIka Mata served on a burger bun with salad and dressing$10.00-18.00$14.00-25.00
Rukau with Mahi MahiGrilled Mahi Mahi served with Rukau and coconut cream$15.00-25.00$21.00-35.00
Curried Eke with RiceOctopus cooked in a spicy curry sauce with rice$12.00-20.00$17.00-28.00
UmukaiA feast featuring a variety of meats, fish, and vegetables cooked in an underground oven$30.00-50.00$42.00-70.00
Kai KaiA traditional dish made with breadfruit, coconut cream, and either fish or chicken$10.00-18.00$14.00-25.00
Ika Mata SaladIka Mata served on a bed of lettuce, tomato, and cucumber with a lime dressing$10.00-18.00$14.00-25.00
PiakeA sweet coconut and cassava dessert$5.00-10.00$7.00-14.00
Coconut BreadSweet bread made with coconut milk and flour$2.00-4.00$3.00-6.00
Cook Island Donuts (Kuki)Sweet donuts made with coconut cream and deep-fried$1.00-2.50$1.50-3.50

Cost of Utilities in Cook Islands Summary and Table of Expenses 2024

The cost of utilities in Cook Islands can vary significantly depending on the location and the individual’s energy consumption habits:

  • Basic electricity/gas: The cost of electricity and gas in Cook Islands varies depending on the usage and the season. The estimated monthly cost of $100 to $150 USD or 146 to 219 NZD is based on an average usage for a small household. The cost may be higher during peak seasons when there is high demand for electricity and gas.
  • Water: The cost of water in Cook Islands is relatively affordable. The estimated monthly cost of $20 to $40 USD or 29 to 58 NZD is based on an average usage for a small household. The cost may increase if there is high water usage or if there are water shortages during dry seasons.
  • Internet (Broadband): The cost of internet in Cook Islands is relatively expensive compared to other countries. The estimated monthly cost of $60 to $90 USD or 88 to 131 NZD is for a broadband connection with moderate speed and data usage. The cost may be higher for faster internet speeds and larger data usage.
  • Mobile phone sim card (Prepaid): The cost of a mobile phone sim card in Cook Islands is relatively affordable. The estimated monthly cost of $5 to $15 USD or 7 to 22 NZD is for a basic prepaid plan with limited data usage. The cost may be higher for plans with more data usage and additional features.
  • Mobile phone plan (Postpaid): The cost of a postpaid mobile phone plan in Cook Islands is relatively affordable. The estimated monthly cost of $20 to $40 USD or 29 to 58 NZD is for a basic plan with limited data usage. The cost may be higher for plans with more data usage and additional features.
  • Mobile phone plan (Unlimited data): The cost of an unlimited data mobile phone plan in Cook Islands is relatively expensive compared to other countries. The estimated monthly cost of $50 to $70 USD or 73 to 102 NZD is for a plan with unlimited data usage. The cost may be higher for plans with additional features.

The estimated total cost of utilities in Cook Islands is $155 to $305 USD or 373 to 590 NZD per month.

Here is an example table of expenses for the average monthly utilities in Cook Islands:

Monthly Cost of Utilities in Cook IslandsEstimated Monthly Cost (USD)Estimated Monthly Cost (NZD)
Basic electricity/gas$100 – $150146 – 219 NZD
Water$20 – $4029 – 58 NZD
Internet (Broadband)$60 – $9088 – 131 NZD
Mobile phone sim card (Prepaid)$5 – $157 – 22 NZD
Mobile phone plan (Postpaid)$20 – $4029 – 58 NZD
Mobile phone plan (Unlimited data)$50 – $7073 – 102 NZD
Total Cost of utilities in Cook Islands$155 – $305373 – 590 NZD

Pros and Cons of Living in Cook Islands: Is it the Right Choice for You?

Pros of Living in Cook Islands:

  1. Natural Beauty: Cook Islands is renowned for its stunning natural beauty, including pristine beaches, turquoise lagoons, and lush tropical forests.
  2. Friendly Locals and Safety: The locals in Cook Islands are known for their warm hospitality, making it a safe and welcoming place to live.
  3. Relaxed Lifestyle: Life in Cook Islands is laidback and unhurried, with a focus on enjoying the simple things in life.
  4. Rich Culture and History: Cook Islands has a fascinating Polynesian culture, with a rich history that is celebrated through traditional dance, music, and art.
  5. Affordable Cost of Living: Compared to many other island destinations, the cost of living in Cook Islands is relatively low.
  6. Amazing Weather and Climate: Cook Islands enjoys a warm and sunny tropical climate, with year-round temperatures averaging between 25-30°C (77-86°F).

Cons of Living in Cook Islands:

  1. Far From the Rest of the World: Cook Islands is a remote destination, located in the South Pacific and far from major cities and transportation hubs.
  2. Cyclones and Natural Disasters: As a tropical island nation, Cook Islands is at risk of cyclones, storms, and other natural disasters, which can cause significant damage.
  3. Limited Infrastructure: Cook Islands has limited infrastructure, including roads, public transportation, and telecommunications, which can make daily life challenging.
  4. Limited Medical Facilities: Although there are hospitals and clinics in Cook Islands, they may not have the same level of medical expertise or resources as larger, more developed countries.
  5. Limited Transportation: Getting around Cook Islands can be challenging, especially on the outer islands where transportation options are limited.
  6. Slower-Paced Lifestyle: While the relaxed lifestyle is a pro for some, others may find the slower pace of life frustrating or limiting in terms of opportunities and activities.

Pros and Cons of Living in Cook Islands Table:

Pros of Living In Cook IslandsCons of Living In Cook Islands
Natural Beauty In Cook IslandsFar From the Rest Of the World
Friendly Locals and Safety in Cook IslandsCyclones and Natural Disasters
Relaxed Lifestyle in Cook IslandsLimited Infrastructure in Cook Islands
Rich Culture and History in Cook IslandsMedical Facilities in Cook Islands
Affordable Cost of Living in Cook IslandsLimited Transportation in Cook Islands
Amazing Weather and Climate in Cook IslandsSlower paced Lifestyle in Cook Islands

Cost of healthcare in Cook Islands  

Medical care in Cook Islands is great, make sure if you need something major done to take a short flight to Australia or New Zealand.

SafetyWing Insurance is an innovative travel insurance solution designed for travelers, digital nomads, and remote workers. Whether you’re on a gap year, working abroad, or traveling for business, SafetyWing offers a comprehensive coverage plan to keep you protected and secure during your journey.

Here are just a few reasons why you should try SafetyWing Insurance for your next trip:

  1. Global Coverage: SafetyWing insurance covers you anywhere in the world, including countries that many other insurance companies exclude.
  2. Affordable: SafetyWing offers affordable, more cost-effective insurance options than many other travel insurance plans.
  3. Easy to Use: With SafetyWing, you can sign up, manage your policy, and file claims all from the comfort of your phone or computer.
  4. Wide Range of Coverage: SafetyWing offers coverage for a variety of events, including medical emergencies, trip cancellations, lost or stolen property, and more.
  5. 24/7 Support: SafetyWing provides 24/7 support to its customers, so you can get help when you need it, no matter where you are in the world.

We suggest you also have it, especially if you live as an expat and digital nomad in Cook Islands. We always use SafetyWing for international travel insurance and medical concerns. They start at $42 a month! It’s incredible and always reliable!


Main FAQS Section About Cook Islands:

What is the monthly cost of living in Cook Islands?

The cost of living in Cook Islands on average, is around $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. This includes rent, food, transportation, and other costs like utilities and phone bills.

What is the Cost Of Living in Cook Islands Vs USA?

The Cost Of Living in Cook Islands is around 44% less than living in New York City, USA, and the average monthly Cost of living in Cook Islands is $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month. in Cook Islands vs $5500 to $10340 per month living in New York City, United States.

What is the Cost of Accommodation in Cook Islands?

The Cost of Accommodation in Cook Islands costs around $600 to $4000 per month. from a simple studio to a Luxury 3+ bedroom Condo

What is the best time of year to visit Cook Islands?

The best time to visit Cook Islands is during the dry season from April to October.

How Much does it cost to live in Cook Islands?

On average, living in Cook Islands costs around $1,680 – $6,480 USD (NZD 2,700 – 10,500 NZD) Per Month.

What is the Cost of Utilities in Cook Islands?

The Cost of Utilities in Cook Islands Cost around $100 to $300 per month, depending on your energy consumption!

What is the Cost of Food in Cook Islands vs USA?

The Cost Of Food in Cook Islands is 20% less than in New York, United States. Monthly Food Costs in Cook Islands is from $300 to $800 per month.

What is the Cost Of Rent in Cook Islands VS USA?

The Cost of Rent in Cook Islands is 44% less Than in New York, United States A 1 bedroom apartment in Cook Islands costs $600 to $3200 per month on average, and 1 bedroom Apartment in New York City, United States, Costs over $2890 per month.

What is the Food Expenses In Cook Islands?

The Food expenses in Cook Islands is from $300 to $800 per month. Make sure to eat the local Food, local Food markets and supermarkets to save money.

What is the Rental Expenses In Cook Islands?

The monthly rent for a 1-bedroom in Cook Islands is from $700 to $2500.

What is the Expenses for a Single Person in Cook Islands?

The Expenses for a Single Person in Cook Islands is from $1,680 – $3,480 USD (NZD 2,700 – 5,000 NZD) Per Month for all expenses.

What is the average cost of Rent In Cook Islands?

The Average cost of rent in Cook Islands is around $600 to $3100 Per Month in Cook Islands.

What is the average Cost of Transportation In Cook Islands?

The average cost of transportation in Cook Islands is about $5 – $30 USD per day or $40 to $700 per month, Depending if you use a Bus, Scooter, Quad Bike ATV or personal car.

What is the Cost of Mobile Phone SIM and Internet Data In Cook Islands?

The Cost of Phone Data and internet from in Cook Islands is around $25 to $100 per month.

What is the Cost of Food in Cook Islands?

The Cost of Food in Cook Islands costs around $300 to $800 per month; try to eat at the local restaurants and street food for the best and cheapest food to stay on budget!

Is Cook Islands a good place to live?

Yes, Cook Islands regularly ranks as one of the Safest and Happiest countries in the world! but of course, you always need to watch what you are doing and keep safety of mind as you would anywhere in the world.

Is it expensive to live in Cook Islands?

No, it isn’t expensive to Live in Cook Islands you can expect to spend $1,800 to $3000 per month if you live on a budget and don’t do tourist things. I recommend renting a studio, eating local food, renting a bicycle or scooter, and shopping at the local markets. If you do this you will save a lot of money!

What is the average salary in Cook Islands?

The Average salary range for people working in Cook Islands is typically from $2000 to $3000 per month.

What is a good salary to live in Cook Islands?

A great Salary to live on in Cook Islands is around $3000 – $4000 per month. This will cover all expenses.


Cost Of Living in Cook Islands Conclusion

We hope that you have found this blog post helpful! We went all out and We have summarized the cost of living in Cook Islands and provided a table of expenses, provided information on rent, accommodation, food costs, videos and more from our time living there as digital nomads!

We will be continually updating this blog post! Also, below are many excellent travel resources that will help you in your Journey around the world and helping you on your journey to Cook Islands!


Travel Resources and Reliable Sources For Cook Islands

  • Booking Flights: To score insane flight deals, search on Google FlightsSkyscanner. Money-saving tips: fly in the middle of the week, on the weekend; fly carry-on only on a budget airline, and take red-eyes or early morning flights.
  • Travel Insurance: We always have travel insurance monthly for international trips and living abroad. We STRONGLY suggest that you have it as well, just in case other digital nomads live abroad, and we always use SafetyWing for international travel insurance and medical concerns. SafetyWing is one of the few policies covering Covid-19, and they start at $42 a month! It’s incredible and always reliable! SafetyWing is perfect for Digital Nomads and long-term travelers!
  • Cook Islands Tourism Site: Cook Islands Tourism Board

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