Last update: Oct 2026

Cost of Living Comparison Between Cambridge and Split

For one person, living is cheaper in Split: $1,822 a month against $2,044 in Cambridge, rent and utilities included – about $2,700 less a year. Higher rent and utilities in Cambridge outweigh lower spending on other living expenses.

99

Cost of Living Index in Cambridge
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Cambridge Living Index
89

Cost of Living Index in Split
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Split Living Index

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Cambridge

🇳🇿 New Zealand

$2,044

/mo nomad

Split

🇭🇷 Croatia

$1,822

/mo nomad

Monthly Cost of Living

How much you'll spend in Cambridge and in Split

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

Monthly costs for one person with rent: $2,044 in Cambridge versus $1,822 in Split.

Cambridge $2,044
Split $1,822

Estimated couple costs with rent: $2,830 in Cambridge versus $2,797 in Split.

Cambridge $2,830
Split $2,797

Monthly costs for a family of three with rent: $3,617 in Cambridge versus $3,771 in Split.

Cambridge $3,617
Split $3,771

Living in Cambridge is roughly 12% more expensive than in Split, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: Cambridge 51% above, Split 35% above.

Meal at Budget Restaurant

$13.75 NZ$24.32

$16.50 €14.68

-16.67%

Three-Course Dinner for Two, Mid-Range

$68.4 NZ$121

$73.4 €65.3

-6.84%

Fast Food Meal (McDonalds, etc)

$8.74 NZ$15.45

$11.32 €10.07

-22.79%

Cappuccino

$3.45 NZ$6.10

$2.74 €2.44

25.91%

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

$1.93 NZ$3.41

$4.10 €3.65

-52.93%

Water (0.33 liter bottle)

$1.99 NZ$3.52

$2.87 €2.55

-30.66%

Local Beer (0.5 liter draught)

$6.08 NZ$10.75

$4.63 €4.12

31.32%

Imported Beer (0.33 liter bottle)

$6.63 NZ$11.73

$5.15 €4.58

28.74%

Milk (1 liter)

$1.51 NZ$2.67

$1.27 €1.13

18.90%

White Bread (500g)

$2.23 NZ$3.94

$2.13 €1.89

4.69%

Rice (white) (1kg)

$1.89 NZ$3.34

$3.59 €3.19

-47.35%

Eggs

$5.95 NZ$10.53

$4.15 €3.70

43.37%

Local Cheese (1kg)

$8.33 NZ$14.73

$13.87 €12.34

-39.94%

Chicken Fillets (1kg)

$9.43 NZ$16.68

$9.59 €8.53

-1.67%

Beef Round Steak (1kg)

$13.01 NZ$23.01

$13.18 €11.73

-1.29%

Apples (1kg)

$2.55 NZ$4.50

$2.13 €1.90

19.72%

Banana (1kg)

$2.28 NZ$4.04

$1.84 €1.64

23.91%

Oranges (1kg)

$3.02 NZ$5.34

$1.89 €1.68

59.79%

Tomato (1kg)

$5.65 NZ$9.99

$2.86 €2.54

97.55%

Potato (1kg)

$2.11 NZ$3.73

$1.59 €1.42

32.70%

Onion (1kg)

$1.56 NZ$2.76

$1.15 €1.02

35.65%

Lettuce (1 head)

$2.27 NZ$4.02

$1.30 €1.15

74.62%

Water (1.5 liter bottle)

$1.08 NZ$1.92

$1.25 €1.11

-13.60%

Cigarettes 20 Pack (Marlboro, Camel)

$25.11 NZ$44.41

$5.72 €5.09

338.99%

Wine (Bottle)

$10.40 NZ$18.39

$9.09 €8.08

14.41%

Local Beer (0.5 liter bottle)

$3.44 NZ$6.08

$1.74 €1.55

97.70%

Imported Beer (0.33 liter bottle)

$3.84 NZ$6.79

$2.31 €2.05

66.23%

One-way Ticket (Public Transport)

$2.72 NZ$4.81

$1.65 €1.47

64.85%

Public Transport Monthly Pass (Regular Price)

$39.56 €35.19

Taxi Start (Normal Tariff)

$2.18 NZ$3.85

$3.59 €3.20

-39.28%

Taxi (Normal Tariff) (1km)

$1.94 NZ$3.43

$2.10 €1.87

-7.62%

Taxi 1hour Waiting (Normal Tariff)

$31.37 NZ$55.5

$29.27 €26.04

7.17%

Gasoline (1 liter)

$1.70 NZ$3.00

$1.85 €1.64

-8.11%

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

$25.1K NZ$44.4K

$28.2K €25.1K

-10.83%

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

$22.1K NZ$39.1K

$24.9K €22.1K

-11.13%

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

$99.4 NZ$176

$207 €184

-51.88%

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

$26.44 NZ$46.77

$19.93 €17.73

32.66%

Internet (50+ Mbps, Unlimited Data)

$50.8 NZ$89.8

$41.20 €36.65

23.25%

Gym Membership (Monthly)

$62.2 €55.3

Tennis Court (1 Hour on Weekend)

$12.92 €11.50

Cinema Ticket

$13.51 NZ$23.90

$9.15 €8.14

47.65%

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

$673 NZ$1,190

$604 €537

11.45%

International Primary School, 1 Child (Yearly)

$19.3K NZ$34.1K

$11.9K €10.5K

62.81%

Jeans (Levis 501 Or Similar)

$62.0 NZ$110

$92.3 €82.1

-32.81%

Summer Dress (H&M, Zara, etc)

$37.37 NZ$66.1

$40.17 €35.73

-6.97%

Sport Shoes (Adidas, Nike)

$93.1 NZ$165

$112 €99.7

-16.98%

Men's Leather Business Shoes

$105 NZ$186

$96.1 €85.5

9.64%

1-bedroom Apartment, City Center (Monthly)

$584 NZ$1,033

$1,024 €911

-42.96%

1-bedroom Apartment, Outside City Center (Monthly)

$1,122 NZ$1,985

$704 €626

59.39%

3-bedroom Apartment, City Center (Monthly)

$1,158 NZ$2,048

$1,942 €1,728

-40.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,449 NZ$2,563

$1,275 €1,134

13.72%

Buy Apartment in City Center (m2)

$4,539 NZ$8,027

$7,185 €6,391

-36.83%

Buy Apartment Outside City Center (m2)

$3,931 NZ$6,953

$5,032 €4,476

-21.87%

Average Monthly Net Salary (After Tax)

$2,585 NZ$4,571

$1,576 €1,402

63.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.44

74.42%

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

Last update for Cambridge: October 12, 2026

Last update for Split: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Cambridge

$1.1K 54.9%

Split

$704 38.6% 37.3% $418

Groceries & Markets

Cambridge

$324 15.9%

Split

$296 16.3% 8.5% $27

Eating Out

Cambridge

$237 11.6%

Split

$260 14.3% 9.8% $23

Monthly Utilities & Internet

Cambridge

$177 8.6%

Split

$268 14.7% 51.6% $91

Clothing & Footwear

Cambridge

$134 6.6%

Split

$153 8.4% 14.4% $19

Sport & Entertainment

Cambridge

$27 * 1.3%

Split

$80 4.4% 198% $53

Getting Around

Cambridge

$23 * 1.1%

Split

$60 3.3% 165% $37

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 $584 in Cambridge and $1,024 in Split. Housing cost is often the main lever when comparing two cities.

Cambridge pays 64% 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: $68.0 in Cambridge vs $73.0 in Split. Groceries flip the comparison at $324 vs $296, with Split cheaper for home cooking.

Good to know

🇳🇿 Cambridge

🇭🇷 Split

🕒 Local time

03:56 3:56 AM

16:56 4:56 PM

11 h behind Cambridge

🌤 Weather

👥 Population

21,400

149,830

💱 Currency

New Zealand Dollar NZD $

Euro EUR €

📈 Exchange rate

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to NZD in detail →

On the map

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Highest

Between locations

Cambridge Split 18,150 km ≈ 23 h nonstop flight

From you

Cambridge
Split

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

Cambridge vs Split: Cost of Living - Frequently Asked Questions

Split is cheaper overall, especially in groceries and utilities. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 64% higher in Cambridge, 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: $584 in Cambridge versus $1,024 in Split. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $673 in Cambridge versus $604 in Split. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Split – a meal for two runs $73.0 versus $68.0 in Cambridge. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,822 in Split versus $2,044 in Cambridge, a $2,500 budget is realistic in Split but tight or insufficient in Cambridge. The gap between the two cities makes Split the clear choice for anyone on this budget.

For families, Split is more practical. Housing and childcare are both notably cheaper than in Cambridge, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Cambridge and Split 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 Split gentler on the wallet – expenses run 12% less than in Cambridge. Beyond cost, consider language, visa policies, and how big the international community is in each city.