Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Umag

For one person, living is cheaper in Umag: $1,532 a month against $2,663 in Austin, TX, rent and utilities included – about $13,600 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
78

Cost of Living Index in Umag
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Umag Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Umag

🇭🇷 Croatia

$1,532

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX 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 Austin, TX and in Umag actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $1,532 in Umag.

Austin, TX $2,663
Umag $1,532

Estimated couple costs with rent: $4,133 in Austin, TX versus $2,439 in Umag.

Austin, TX $4,133
Umag $2,439

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $3,345 in Umag.

Austin, TX $5,603
Umag $3,345

Living in Austin, TX is roughly 74% more expensive than in Umag, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Austin, TX 97% above, Umag 13% above.

Meal at Budget Restaurant

$20.77 $20.77

$12.31 €10.99

68.72%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$63.5 €56.7

33.15%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$7.93 €7.08

55.36%

Cappuccino

$5.63 $5.63

$2.18 €1.95

158.26%

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

$3.72 $3.72

$2.98 €2.66

24.83%

Water (0.33 liter bottle)

$2.50 $2.50

$2.25 €2.01

11.11%

Local Beer (0.5 liter draught)

$8.05 $8.05

$3.33 €2.97

141.74%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$4.48 €4.00

101.12%

Milk (1 liter)

$1.12 $1.12

$1.24 €1.11

-9.68%

White Bread (500g)

$3.75 $3.75

$1.60 €1.43

134.37%

Rice (white) (1kg)

$3.26 $3.26

$2.72 €2.43

19.85%

Eggs

$4.17 $4.17

$3.89 €3.47

7.20%

Local Cheese (1kg)

$12.90 $12.90

$14.81 €13.23

-12.90%

Chicken Fillets (1kg)

$14.16 $14.16

$11.80 €10.53

20.00%

Beef Round Steak (1kg)

$16.22 $16.22

$17.92 €16.00

-9.49%

Apples (1kg)

$4.33 $4.33

$2.29 €2.05

89.08%

Banana (1kg)

$1.46 $1.46

$1.79 €1.60

-18.44%

Oranges (1kg)

$4.51 $4.51

$2.05 €1.83

120.00%

Tomato (1kg)

$4.34 $4.34

$2.51 €2.24

72.91%

Potato (1kg)

$2.58 $2.58

$1.30 €1.16

98.46%

Onion (1kg)

$2.35 $2.35

$1.13 €1.01

107.96%

Lettuce (1 head)

$1.78 $1.78

$1.18 €1.05

50.85%

Water (1.5 liter bottle)

$2.22 $2.22

$1.39 €1.25

59.71%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$5.90 €5.27

67.46%

Wine (Bottle)

$15.08 $15.08

$10.09 €9.01

49.45%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$1.68 €1.50

73.81%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$2.56 €2.28

35.16%

One-way Ticket (Public Transport)

$1.49 $1.49

$1.81 €1.62

-17.68%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$39.73 €35.48

5.01%

Taxi Start (Normal Tariff)

$2.73 $2.73

$2.22 €1.98

22.97%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$1.36 €1.21

22.06%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$11.94 €10.66

195.64%

Gasoline (1 liter)

$0.95 $0.95

$1.92 €1.71

-50.52%

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

$36.0K $36.0K

$27.7K €24.7K

30.18%

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

$27.1K $27.1K

$26.9K €24.0K

0.75%

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

$229 $229

$215 €192

6.71%

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

$59.4 $59.4

$22.92 €20.47

159.12%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$40.61 €36.27

72.15%

Gym Membership (Monthly)

$57.2 $57.2

$52.1 €46.54

9.84%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$15.38 €13.74

6.18%

Cinema Ticket

$14.28 $14.28

$8.39 €7.49

70.20%

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

$1,506 $1,506

$495 €442

204.44%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$9,808 €8,758

118.77%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$107 €95.4

-50.57%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$43.30 €38.67

1.20%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$94.7 €84.6

-10.48%

Men's Leather Business Shoes

$103 $103

$110 €98.3

-6.38%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$673 €601

183.26%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$458 €409

178.14%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$1,148 €1,025

219.28%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$977 €873

159.67%

Buy Apartment in City Center (m2)

$7,614 $7,614

$4,640 €4,143

64.10%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$2,948 €2,632

7.11%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

3.3

105.76%

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

Last update for Austin, TX: October 12, 2026

Last update for Umag: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Umag

$458 29.9% 64% $816

Groceries & Markets

Austin, TX

$405 15.2%

Umag

$316 20.6% 21.8% $88

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Umag

$278 18.2% 22.4% $80

Eating Out

Austin, TX

$354 13.3%

Umag

$195 12.7% 44.9% $159

Clothing & Footwear

Austin, TX

$128 4.8%

Umag

$160 10.4% 24.8% $32

Sport & Entertainment

Austin, TX

$86 3.2%

Umag

$69 4.5% 19.7% $17

Getting Around

Austin, TX

$59 2.2%

Umag

$56 3.7% 4.6% $2.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $673 in Umag. Housing cost is often the main lever when comparing two cities.

Dining out: $85.0 in Austin, TX vs $64.0 in Umag for a mid-range dinner for two. Groceries echo the gap at $405 vs $316 per month, with Umag cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇭🇷 Umag

🕒 Local time

05:17 5:17 AM

12:17 12:17 PM

7 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

13,000

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.893 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Austin, TX Umag 9,120 km ≈ 12 h nonstop flight

From you

Austin, TX
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

Austin, TX vs Umag: Cost of Living - Frequently Asked Questions

Umag wins on cost – living expenses run 74% lower than in Austin, TX. 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 $3,995 in Austin, TX 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: $1,907 in Austin, TX versus $673 in Umag. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $1,532 in Umag – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Umag runs roughly 5% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,532 in Umag versus $2,663 in Austin, TX, a $1,000 budget is realistic in Umag but tight or insufficient in Austin, TX. The gap between the two cities makes Umag the clear choice for anyone on this budget.

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, Austin, TX 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 74% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.