Cost of Living Comparison Between Athens and Kefalonia Cost of Living Comparison Between Athens and Kefalonia

Monthly Cost of Living

Monthly costs for one person with rent: $1,733 in Athens versus $1,609 in Kefalonia.

Estimated couple costs with rent: $2,632 in Athens versus $2,442 in Kefalonia.

Monthly costs for a family of three with rent: $3,532 in Athens versus $3,274 in Kefalonia.

Living in Athens is roughly 8% more expensive than in Kefalonia, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Athens 30% above, Kefalonia 20% above.

Meal at Budget Restaurant

$17.31 €15.22

$17.66 €15.53

-1.98%

Three-Course Dinner for Two, Mid-Range

$64.0 €56.2

$58.8 €51.7

8.81%

Fast Food Meal (McDonalds, etc)

$10.54 €9.26

$9.54 €8.39

10.48%

Cappuccino

$4.35 €3.82

$3.26 €2.87

33.44%

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

$2.39 €2.10

$2.29 €2.02

4.37%

Water (0.33 liter bottle)

$0.63 €0.56

$0.60 €0.53

5.00%

Local Beer (0.5 liter draught)

$5.74 €5.05

$5.05 €4.44

13.66%

Imported Beer (0.33 liter bottle)

$5.77 €5.08

$5.78 €5.08

-0.17%

Milk (1 liter)

$1.92 €1.69

$1.71 €1.50

12.28%

White Bread (500g)

$1.40 €1.23

$1.41 €1.24

-0.71%

Rice (white) (1kg)

$2.79 €2.46

$2.45 €2.16

13.88%

Eggs

$5.11 €4.49

$4.08 €3.58

25.25%

Local Cheese (1kg)

$14.68 €12.90

$13.37 €11.75

9.80%

Chicken Fillets (1kg)

$11.18 €9.83

$9.49 €8.34

17.81%

Beef Round Steak (1kg)

$14.98 €13.17

$13.65 €12.00

9.74%

Apples (1kg)

$2.23 €1.96

$2.18 €1.91

2.29%

Banana (1kg)

$2.12 €1.87

$2.14 €1.88

-0.93%

Oranges (1kg)

$1.50 €1.32

$1.44 €1.27

4.17%

Tomato (1kg)

$2.30 €2.02

$2.07 €1.82

11.11%

Potato (1kg)

$1.36 €1.19

$1.26 €1.10

7.94%

Onion (1kg)

$1.23 €1.08

$1.19 €1.04

3.36%

Lettuce (1 head)

$1.26 €1.11

$1.03 €0.90

22.33%

Water (1.5 liter bottle)

$1.01 €0.88

$0.82 €0.72

23.17%

Cigarettes 20 Pack (Marlboro, Camel)

$5.74 €5.05

$5.44 €4.79

5.51%

Wine (Bottle)

$10.44 €9.18

$7.02 €6.17

48.72%

Local Beer (0.5 liter bottle)

$2.00 €1.76

$2.55 €2.24

-21.57%

Imported Beer (0.33 liter bottle)

$2.97 €2.61

$2.77 €2.44

7.22%

One-way Ticket (Public Transport)

$1.35 €1.19

$1.53 €1.35

-11.76%

Public Transport Monthly Pass (Regular Price)

$34.07 €29.95

$46.59 €40.96

-26.87%

Taxi Start (Normal Tariff)

$4.72 €4.15

$4.56 €4.01

3.51%

Taxi (Normal Tariff) (1km)

$1.07 €0.94

Taxi 1hour Waiting (Normal Tariff)

$17.66 €15.53

$13.47 €11.84

31.11%

Gasoline (1 liter)

$2.03 €1.78

$2.07 €1.82

-1.93%

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

$29.0K €25.5K

$31.7K €27.9K

-8.37%

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

$29.4K €25.9K

$26.6K €23.4K

10.51%

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

$217 €191

$293 €258

-26.08%

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

$26.99 €23.73

$23.02 €20.24

17.25%

Internet (50+ Mbps, Unlimited Data)

$34.93 €30.71

$32.16 €28.27

8.61%

Gym Membership (Monthly)

$55.2 €48.54

$47.44 €41.70

16.40%

Tennis Court (1 Hour on Weekend)

$26.52 €23.31

$26.27 €23.09

0.95%

Cinema Ticket

$10.50 €9.23

$9.65 €8.48

8.81%

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

$551 €485

$432 €380

27.60%

International Primary School, 1 Child (Yearly)

$11.0K €9,713

$5,950 €5,231

85.68%

Jeans (Levis 501 Or Similar)

$92.8 €81.6

$89.0 €78.2

4.29%

Summer Dress (H&M, Zara, etc)

$47.71 €41.94

$38.76 €34.07

23.09%

Sport Shoes (Adidas, Nike)

$101 €88.5

$99.7 €87.6

1.02%

Men's Leather Business Shoes

$119 €105

$107 €94.4

11.28%

1-bedroom Apartment, City Center (Monthly)

$648 €570

$541 €476

19.79%

1-bedroom Apartment, Outside City Center (Monthly)

$566 €497

$450 €396

25.73%

3-bedroom Apartment, City Center (Monthly)

$1,192 €1,048

$1,119 €984

6.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,029 €904

$839 €737

22.63%

Buy Apartment in City Center (m2)

$3,920 €3,446

$3,058 €2,689

28.18%

Buy Apartment Outside City Center (m2)

$3,291 €2,893

$2,252 €1,980

46.11%

Average Monthly Net Salary (After Tax)

$1,320 €1,160

$1,162 €1,022

13.52%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.99

4.43

12.64%

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

Last update for Athens: July 20, 2026

Last update for Kefalonia: July 20, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $648 in Athens and $541 in Kefalonia. Housing cost is often the main lever when comparing two cities.

Athens pays 14% 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: $64.0 in Athens vs $59.0 in Kefalonia for a mid-range dinner for two. Groceries echo the gap at $312 vs $278 per month, with Kefalonia cheaper across the board.

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

Athens vs Kefalonia: Cost of Living - Frequently Asked Questions

Kefalonia wins on cost – living expenses run 8% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Kefalonia the obvious pick if budget is a priority.

Average pay runs 14% higher in Athens, 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: $648 in Athens versus $541 in Kefalonia. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Kefalonia – a meal for two runs $59.0 versus $64.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,733 per month in Athens versus $1,609 in Kefalonia – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,609 in Kefalonia versus $1,733 in Athens, a $2,000 budget is realistic in Kefalonia but tight or insufficient in Athens. The gap between the two cities makes Kefalonia the clear choice for anyone on this budget.

Both work as nomad bases, but Kefalonia delivers better value – similar infrastructure at $1,609 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Kefalonia hard to pass up.

Safety-wise, Athens and Kefalonia 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 Kefalonia gentler on the wallet – expenses run 8% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.