Last update: Oct 2026

Cost of Living Comparison Between Annapolis, MD and Gjovik

For one person, living is cheaper in Gjovik: $2,573 a month against $3,458 in Annapolis, MD, rent and utilities included – about $10,600 less a year. Rent and utilities account for most of the difference.

169

Cost of Living Index in Annapolis, MD
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Annapolis, MD Living Index
125

Cost of Living Index in Gjovik
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Gjovik Living Index

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Annapolis, MD

🇺🇸 United States

$3,458

/mo nomad

Gjovik

🇳🇴 Norway

$2,573

/mo nomad

Monthly Cost of Living

How much you'll spend in Annapolis, MD and in Gjovik

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Annapolis, MD and in Gjovik actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,458 in Annapolis, MD versus $2,573 in Gjovik.

Annapolis, MD $3,458
Gjovik $2,573

Estimated couple costs with rent: $4,748 in Annapolis, MD versus $3,071 in Gjovik.

Annapolis, MD $4,748
Gjovik $3,071

Monthly costs for a family of three with rent: $6,038 in Annapolis, MD versus $3,569 in Gjovik.

Annapolis, MD $6,038
Gjovik $3,569

Living in Annapolis, MD is roughly 34% more expensive than in Gjovik, and outside of rent the biggest gap is in transport.

Both cities are pricier than the global median: Annapolis, MD 156% above, Gjovik 91% above.

Meal at Budget Restaurant

$30.17 $30.17

$21.07 NOK 198

43.19%

Three-Course Dinner for Two, Mid-Range

$80.1 $80.1

$126 NOK 1,184

-36.28%

Fast Food Meal (McDonalds, etc)

$10.12 $10.12

$15.84 NOK 149

-36.11%

Cappuccino

$5.62 $5.62

$4.23 NOK 39.80

32.86%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.55 $2.55

$3.19 NOK 30.02

-20.06%

Water (0.33 liter bottle)

$1.92 $1.92

$3.04 NOK 28.61

-36.84%

Local Beer (0.5 liter draught)

$6.98 $6.98

$10.14 NOK 95.5

-31.16%

Imported Beer (0.33 liter bottle)

$8.78 $8.78

$8.59 NOK 80.9

2.21%

Milk (1 liter)

$1.13 $1.13

$2.46 NOK 23.12

-54.07%

White Bread (500g)

$2.99 $2.99

$4.07 NOK 38.34

-26.54%

Rice (white) (1kg)

$5.47 $5.47

$4.60 NOK 43.33

18.91%

Eggs

$6.38 $6.38

$5.94 NOK 55.9

7.41%

Local Cheese (1kg)

$9.63 $9.63

$14.51 NOK 137

-33.63%

Chicken Fillets (1kg)

$7.78 $7.78

$15.16 NOK 143

-48.68%

Beef Round Steak (1kg)

$15.10 $15.10

$30.98 NOK 292

-51.26%

Apples (1kg)

$5.86 $5.86

$3.25 NOK 30.63

80.31%

Banana (1kg)

$1.95 $1.95

$2.65 NOK 24.91

-26.42%

Oranges (1kg)

$4.59 $4.59

$3.43 NOK 32.24

33.82%

Tomato (1kg)

$7.24 $7.24

$5.79 NOK 54.6

25.04%

Potato (1kg)

$4.27 $4.27

$2.64 NOK 24.89

61.74%

Onion (1kg)

$4.81 $4.81

$2.93 NOK 27.62

64.16%

Lettuce (1 head)

$2.62 $2.62

$3.07 NOK 28.94

-14.66%

Water (1.5 liter bottle)

$1.63 $1.63

$2.43 NOK 22.87

-32.92%

Cigarettes 20 Pack (Marlboro, Camel)

$9.36 $9.36

$18.62 NOK 175

-49.73%

Wine (Bottle)

$14.68 $14.68

$16.25 NOK 153

-9.66%

Local Beer (0.5 liter bottle)

$1.76 $1.76

$3.42 NOK 32.15

-48.54%

Imported Beer (0.33 liter bottle)

$3.84 $3.84

$4.20 NOK 39.52

-8.57%

One-way Ticket (Public Transport)

$4.08 $4.08

$2.89 NOK 27.16

41.18%

Public Transport Monthly Pass (Regular Price)

$138 $138

Taxi Start (Normal Tariff)

$3.04 $3.04

$11.95 NOK 113

-74.56%

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$1.87 NOK 17.56

-15.51%

Taxi 1hour Waiting (Normal Tariff)

$29.54 $29.54

$68.8 NOK 647

-57.05%

Gasoline (1 liter)

$0.93 $0.93

$2.33 NOK 21.96

-60.09%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$31.0K $31.0K

$47.3K NOK 444.8K

-34.38%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$25.0K $25.0K

$44.7K NOK 420.8K

-44.14%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$162 $162

$275 NOK 2,588

-41.16%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$53.9 $53.9

$33.14 NOK 312

62.55%

Internet (50+ Mbps, Unlimited Data)

$96.1 $96.1

$53.4 NOK 502

80.08%

Gym Membership (Monthly)

$66.1 $66.1

$42.59 NOK 401

55.13%

Cinema Ticket

$12.05 $12.05

$14.74 NOK 139

-18.25%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,661 $1,661

$233 NOK 2,195

612.15%

International Primary School, 1 Child (Yearly)

$19.7K $19.7K

$15.8K NOK 148.7K

24.67%

Jeans (Levis 501 Or Similar)

$42.76 $42.76

$100 NOK 944

-57.35%

Summer Dress (H&M, Zara, etc)

$24.53 $24.53

$59.3 NOK 559

-58.65%

Sport Shoes (Adidas, Nike)

$91.5 $91.5

$130 NOK 1,223

-29.58%

Men's Leather Business Shoes

$121 $121

$154 NOK 1,447

-21.11%

1-bedroom Apartment, City Center (Monthly)

$2,092 $2,092

$1,591 NOK 15.0K

31.50%

1-bedroom Apartment, Outside City Center (Monthly)

$1,959 $1,959

$1,040 NOK 9,788

88.43%

3-bedroom Apartment, City Center (Monthly)

$3,211 $3,211

$2,078 NOK 19.6K

54.54%

3-bedroom Apartment, Outside City Center (Monthly)

$2,707 $2,707

Average Monthly Net Salary (After Tax)

$5,555 $5,555

$3,746 NOK 35.3K

48.31%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.08

4.94

23.08%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Annapolis, MD: October 11, 2026

Last update for Gjovik: October 10, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Annapolis, MD

$2K 56.7%

Gjovik

$1K 40.4% 46.9% $920

Eating Out

Annapolis, MD

$410 11.8%

Gjovik

$360 14% 12.2% $50

Groceries & Markets

Annapolis, MD

$396 11.4%

Gjovik

$508 19.7% 28.4% $112

Monthly Utilities & Internet

Annapolis, MD

$312 9%

Gjovik

$361 14.1% 15.9% $50

Getting Around

Annapolis, MD

$166 4.8%

Gjovik

$33 * 1.3% 80.2% $133

Clothing & Footwear

Annapolis, MD

$126 3.6%

Gjovik

$199 7.8% 58.3% $73

Sport & Entertainment

Annapolis, MD

$90 2.6%

Gjovik

$72 2.8% 20.1% $18

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $2,092 in Annapolis, MD and $1,591 in Gjovik. Housing cost is often the main lever when comparing two cities.

Annapolis, MD pays 48% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $80.0 in Annapolis, MD vs $126 in Gjovik for a mid-range dinner for two. Groceries echo the gap at $396 vs $508 per month, with Annapolis, MD cheaper across the board.

Good to know

🇺🇸 Annapolis, MD

🇳🇴 Gjovik

🕒 Local time

00:32 12:32 AM

06:32 6:32 AM

6 h ahead of Annapolis, MD

🌤 Weather

👥 Population

36,408

31,007

💱 Currency

United States Dollar USD $

Norwegian Krone NOK kr

📈 Exchange rate

1 USD = 0.89 EUR

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

Exchange rates and currency converter

NOK, EUR to USD – United States Dollar Converter

🇳🇴 Norwegian Krone (kr)

🇺🇸 United States Dollar ($)

United States Dollar exchange rates as of October 18, 2026: 1 EUR = 1.12 USD (1 USD = 0.89 EUR).

Norwegian Krone exchange rates as of October 18, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 EUR).

NOK to USD in detail →

On the map

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Annapolis, MD Gjovik 6,150 km ≈ 8 h nonstop flight

From you

Annapolis, MD
Gjovik

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Annapolis, MD vs Gjovik: Cost of Living - Frequently Asked Questions

Gjovik wins on cost – living expenses run 34% lower than in Annapolis, MD. Housing and daily spending are where you'll feel the difference most, making Gjovik the obvious pick if budget is a priority.

Average pay runs 48% higher in Annapolis, MD, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $2,092 in Annapolis, MD versus $1,591 in Gjovik. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Annapolis, MD pay roughly 28% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

All in, you'll spend $3,458 per month in Annapolis, MD versus $2,573 in Gjovik – a 34% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $3,000. Gjovik is the more realistic option, but even there you'll need to be disciplined with housing, food, and fun money.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Annapolis, MD and Gjovik are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Gjovik gentler on the wallet – expenses run 34% less than in Annapolis, MD. Beyond cost, consider language, visa policies, and how big the international community is in each city.