Last update: Oct 2026

Cost of Living Comparison Between Athens and Umag

For one person, living is cheaper in Umag: $1,532 a month against $1,775 in Athens, rent and utilities included – about $2,900 less a year. Rent and utilities account for most of the difference.

86

Cost of Living Index in Athens
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Athens Living Index
78

Cost of Living Index in Umag
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Umag Living Index

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Athens

🇬🇷 Greece

$1,775

/mo nomad

Umag

🇭🇷 Croatia

$1,532

/mo nomad

Monthly Cost of Living

How much you'll spend in Athens and in Umag

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

Monthly costs for one person with rent: $1,775 in Athens versus $1,532 in Umag.

Athens $1,775
Umag $1,532

Estimated couple costs with rent: $2,721 in Athens versus $2,439 in Umag.

Athens $2,721
Umag $2,439

Monthly costs for a family of three with rent: $3,666 in Athens versus $3,345 in Umag.

Athens $3,666
Umag $3,345

Living in Athens is roughly 16% more expensive than in Umag, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Athens 31% above, Umag 13% above.

Meal at Budget Restaurant

$16.69 €14.90

$12.31 €10.99

35.58%

Three-Course Dinner for Two, Mid-Range

$67.8 €60.5

$63.5 €56.7

6.71%

Fast Food Meal (McDonalds, etc)

$11.14 €9.95

$7.93 €7.08

40.48%

Cappuccino

$4.03 €3.60

$2.18 €1.95

84.86%

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

$2.77 €2.47

$2.98 €2.66

-7.05%

Water (0.33 liter bottle)

$0.55 €0.49

$2.25 €2.01

-75.56%

Local Beer (0.5 liter draught)

$5.74 €5.12

$3.33 €2.97

72.37%

Imported Beer (0.33 liter bottle)

$5.45 €4.86

$4.48 €4.00

21.65%

Milk (1 liter)

$1.82 €1.63

$1.24 €1.11

46.77%

White Bread (500g)

$1.38 €1.23

$1.60 €1.43

-13.75%

Rice (white) (1kg)

$2.80 €2.50

$2.72 €2.43

2.94%

Eggs

$4.83 €4.32

$3.89 €3.47

24.16%

Local Cheese (1kg)

$15.05 €13.44

$14.81 €13.23

1.62%

Chicken Fillets (1kg)

$10.63 €9.49

$11.80 €10.53

-9.92%

Beef Round Steak (1kg)

$18.43 €16.45

$17.92 €16.00

2.85%

Apples (1kg)

$2.20 €1.97

$2.29 €2.05

-3.93%

Banana (1kg)

$1.90 €1.69

$1.79 €1.60

6.15%

Oranges (1kg)

$1.37 €1.22

$2.05 €1.83

-33.17%

Tomato (1kg)

$2.10 €1.87

$2.51 €2.24

-16.33%

Potato (1kg)

$1.08 €0.97

$1.30 €1.16

-16.92%

Onion (1kg)

$1.12 €1.00

$1.13 €1.01

-0.88%

Lettuce (1 head)

$1.12 €1.00

$1.18 €1.05

-5.08%

Water (1.5 liter bottle)

$0.88 €0.79

$1.39 €1.25

-36.69%

Cigarettes 20 Pack (Marlboro, Camel)

$5.48 €4.90

$5.90 €5.27

-7.12%

Wine (Bottle)

$10.13 €9.04

$10.09 €9.01

0.40%

Local Beer (0.5 liter bottle)

$2.13 €1.90

$1.68 €1.50

26.79%

Imported Beer (0.33 liter bottle)

$2.25 €2.01

$2.56 €2.28

-12.11%

One-way Ticket (Public Transport)

$1.36 €1.22

$1.81 €1.62

-24.86%

Public Transport Monthly Pass (Regular Price)

$29.89 €26.69

$39.73 €35.48

-24.77%

Taxi Start (Normal Tariff)

$4.45 €3.97

$2.22 €1.98

100.45%

Taxi (Normal Tariff) (1km)

$1.02 €0.91

$1.36 €1.21

-25.00%

Taxi 1hour Waiting (Normal Tariff)

$16.92 €15.11

$11.94 €10.66

41.71%

Gasoline (1 liter)

$2.25 €2.01

$1.92 €1.71

17.19%

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

$28.0K €25.0K

$27.7K €24.7K

1.23%

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

$28.2K €25.2K

$26.9K €24.0K

5.06%

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

$205 €183

$215 €192

-4.66%

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

$26.65 €23.80

$22.92 €20.47

16.27%

Internet (50+ Mbps, Unlimited Data)

$30.38 €27.13

$40.61 €36.27

-25.19%

Gym Membership (Monthly)

$54.5 €48.66

$52.1 €46.54

4.57%

Tennis Court (1 Hour on Weekend)

$25.88 €23.11

$15.38 €13.74

68.27%

Cinema Ticket

$10.42 €9.30

$8.39 €7.49

24.20%

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

$569 €508

$495 €442

15.07%

International Primary School, 1 Child (Yearly)

$12.6K €11.2K

$9,808 €8,758

28.32%

Jeans (Levis 501 Or Similar)

$88.7 €79.2

$107 €95.4

-17.02%

Summer Dress (H&M, Zara, etc)

$40.46 €36.13

$43.30 €38.67

-6.56%

Sport Shoes (Adidas, Nike)

$105 €93.7

$94.7 €84.6

10.79%

Men's Leather Business Shoes

$121 €108

$110 €98.3

10.25%

1-bedroom Apartment, City Center (Monthly)

$741 €662

$673 €601

10.02%

1-bedroom Apartment, Outside City Center (Monthly)

$655 €585

$458 €409

42.90%

3-bedroom Apartment, City Center (Monthly)

$1,300 €1,161

$1,148 €1,025

13.23%

3-bedroom Apartment, Outside City Center (Monthly)

$1,148 €1,025

$977 €873

17.43%

Buy Apartment in City Center (m2)

$4,014 €3,584

$4,640 €4,143

-13.49%

Buy Apartment Outside City Center (m2)

$3,460 €3,090

$2,948 €2,632

17.39%

Average Monthly Net Salary (After Tax)

$1,242 €1,109

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

3.3

35.76%

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

Last update for Athens: October 10, 2026

Last update for Umag: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Athens

$655 36.9%

Umag

$458 29.9% 30% $196

Groceries & Markets

Athens

$310 17.5%

Umag

$316 20.6% 1.9% $5.8

Eating Out

Athens

$268 15.1%

Umag

$195 12.7% 27.3% $73

Monthly Utilities & Internet

Athens

$262 14.7%

Umag

$278 18.2% 6.3% $17

Clothing & Footwear

Athens

$160 9%

Umag

$160 10.4% 0.1% $0.2

Sport & Entertainment

Athens

$75 4.2%

Umag

$69 4.5% 8.5% $6.4

Getting Around

Athens

$45 2.5%

Umag

$56 3.7% 24.8% $11

Cost Breakdown

A one-bedroom apartment in the center runs $741 in Athens and $673 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $68.0 in Athens vs $64.0 in Umag. Groceries flip the comparison at $310 vs $316, with Athens cheaper for home cooking.

Good to know

🇬🇷 Athens

🇭🇷 Umag

🕒 Local time

13:19 1:19 PM

12:19 12:19 PM

1 h behind Athens

🌤 Weather

👥 Population

3,090,508 Capital

13,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Athens Umag 1,180 km ≈ 2 h nonstop flight

From you

Athens
Umag

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

Athens vs Umag: Cost of Living - Frequently Asked Questions

Umag wins on cost – living expenses run 16% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Umag the obvious pick if budget is a priority.

You'd need roughly $2,662 in Athens and $2,298 in Umag to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $741 in Athens versus $673 in Umag. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Umag – a meal for two runs $64.0 versus $68.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,775 per month in Athens versus $1,532 in Umag – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,532 in Umag versus $1,775 in Athens, a $1,000 budget is realistic in Umag but tight or insufficient in Athens. The gap between the two cities makes Umag the clear choice for anyone on this budget.

Both work as nomad bases, but Umag delivers better value – similar infrastructure at $1,532 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Umag hard to pass up.

Safety-wise, Athens and Umag 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 Umag gentler on the wallet – expenses run 16% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.