Cost of Living Comparison Between Cartagena and Madrid Cost of Living Comparison Between Cartagena and Madrid

Monthly Cost of Living

Monthly costs for one person with rent: $1,444 in Cartagena versus $2,293 in Madrid.

Estimated couple costs with rent: $2,028 in Cartagena versus $3,370 in Madrid.

Monthly costs for a family of three with rent: $2,612 in Cartagena versus $4,447 in Madrid.

Living in Cartagena costs roughly 37% less than in Madrid, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Cartagena 8% above, Madrid 72% above.

Meal at Budget Restaurant

$13.88 €12.13

$17.33 €15.14

-19.91%

Three-Course Dinner for Two, Mid-Range

$59.0 €51.5

$68.7 €60.0

-14.15%

Fast Food Meal (McDonalds, etc)

$8.32 €7.27

$11.95 €10.44

-30.38%

Cappuccino

$2.63 €2.30

$3.10 €2.71

-15.16%

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

$2.49 €2.17

$3.21 €2.80

-22.43%

Water (0.33 liter bottle)

$1.99 €1.73

$2.14 €1.87

-7.01%

Local Beer (0.5 liter draught)

$3.53 €3.08

$4.10 €3.58

-13.90%

Imported Beer (0.33 liter bottle)

$3.45 €3.02

$4.55 €3.98

-24.18%

Milk (1 liter)

$1.13 €0.99

$1.19 €1.04

-5.04%

White Bread (500g)

$1.05 €0.92

$1.71 €1.49

-38.60%

Rice (white) (1kg)

$1.66 €1.45

$1.72 €1.50

-3.49%

Eggs

$2.88 €2.52

$3.52 €3.07

-18.18%

Local Cheese (1kg)

$11.30 €9.87

$14.98 €13.09

-24.57%

Chicken Fillets (1kg)

$8.59 €7.51

$8.83 €7.72

-2.72%

Beef Round Steak (1kg)

$14.03 €12.26

$16.75 €14.63

-16.24%

Apples (1kg)

$2.26 €1.98

$2.60 €2.27

-13.08%

Banana (1kg)

$1.80 €1.57

$2.22 €1.94

-18.92%

Oranges (1kg)

$1.38 €1.21

$2.45 €2.14

-43.67%

Tomato (1kg)

$1.71 €1.50

$2.65 €2.32

-35.47%

Potato (1kg)

$1.30 €1.13

$2.07 €1.81

-37.20%

Onion (1kg)

$1.06 €0.93

$2.15 €1.88

-50.70%

Lettuce (1 head)

$1.09 €0.96

$1.34 €1.17

-18.66%

Water (1.5 liter bottle)

$0.52 €0.46

$0.99 €0.86

-47.47%

Cigarettes 20 Pack (Marlboro, Camel)

$5.67 €4.96

$6.99 €6.10

-18.88%

Wine (Bottle)

$6.16 €5.38

$7.77 €6.79

-20.72%

Local Beer (0.5 liter bottle)

$1.13 €0.99

$1.43 €1.25

-20.98%

Imported Beer (0.33 liter bottle)

$1.29 €1.13

$2.18 €1.90

-40.83%

One-way Ticket (Public Transport)

$1.43 €1.25

$1.78 €1.56

-19.66%

Public Transport Monthly Pass (Regular Price)

$11.35 €9.91

$48.79 €42.62

-76.74%

Taxi Start (Normal Tariff)

$3.44 €3.00

$4.12 €3.60

-16.50%

Taxi (Normal Tariff) (1km)

$1.21 €1.06

$1.39 €1.21

-12.95%

Taxi 1hour Waiting (Normal Tariff)

$24.44 €21.35

$28.50 €24.90

-14.25%

Gasoline (1 liter)

$1.83 €1.60

$1.92 €1.68

-4.69%

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

$30.5K €26.6K

$37.7K €32.9K

-19.05%

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

$30.7K €26.8K

$34.1K €29.8K

-10.00%

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

$145 €127

$193 €169

-25.03%

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

$13.60 €11.88

$21.55 €18.83

-36.89%

Internet (50+ Mbps, Unlimited Data)

$30.84 €26.94

$35.97 €31.42

-14.26%

Gym Membership (Monthly)

$39.82 €34.79

$52.7 €46.04

-24.43%

Tennis Court (1 Hour on Weekend)

$15.18 €13.26

$17.64 €15.42

-13.95%

Cinema Ticket

$8.04 €7.02

$11.44 €10.00

-29.72%

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

$417 €364

$669 €584

-37.64%

International Primary School, 1 Child (Yearly)

$2,827 €2,470

$11.9K €10.4K

-76.20%

Jeans (Levis 501 Or Similar)

$45.25 €39.54

$94.7 €82.7

-52.20%

Summer Dress (H&M, Zara, etc)

$31.22 €27.28

$42.81 €37.41

-27.07%

Sport Shoes (Adidas, Nike)

$45.71 €39.93

$105 €91.6

-56.40%

Men's Leather Business Shoes

$78.1 €68.3

$132 €115

-40.81%

1-bedroom Apartment, City Center (Monthly)

$777 €679

$1,607 €1,404

-51.66%

1-bedroom Apartment, Outside City Center (Monthly)

$609 €532

$1,151 €1,006

-47.09%

3-bedroom Apartment, City Center (Monthly)

$896 €783

$2,839 €2,480

-68.44%

3-bedroom Apartment, Outside City Center (Monthly)

$765 €668

$1,879 €1,642

-59.30%

Buy Apartment in City Center (m2)

$1,787 €1,561

$9,038 €7,896

-80.23%

Buy Apartment Outside City Center (m2)

$1,423 €1,243

$4,262 €3,724

-66.61%

Average Monthly Net Salary (After Tax)

$1,725 €1,507

$2,464 €2,153

-29.97%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.44

3.43

0.29%

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

Last update for Cartagena: July 12, 2026

Last update for Madrid: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $777 in Cartagena and $1,607 in Madrid. Housing cost is often the main lever when comparing two cities.

Madrid pays 43% 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: $59.0 in Cartagena vs $69.0 in Madrid for a mid-range dinner for two. Groceries echo the gap at $232 vs $293 per month, with Cartagena 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

Cartagena vs Madrid: Cost of Living - Frequently Asked Questions

Cartagena wins on cost – living expenses run 59% lower than in Madrid. Housing and daily spending are where you'll feel the difference most, making Cartagena the obvious pick if budget is a priority.

On paper, salaries run 43% lower in Madrid. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $777 in Cartagena versus $1,607 in Madrid. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Cartagena – a meal for two runs $59.0 versus $69.0 in Madrid. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,444 per month in Cartagena versus $2,293 in Madrid – a 59% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,444 in Cartagena versus $2,293 in Madrid, a $1,000 budget is realistic in Cartagena but tight or insufficient in Madrid. The gap between the two cities makes Cartagena the clear choice for anyone on this budget.

Both work as nomad bases, but Cartagena delivers better value – similar infrastructure at $1,444 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Cartagena hard to pass up.

Safety-wise, Cartagena and Madrid 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 Cartagena gentler on the wallet – expenses run 59% less than in Madrid. Beyond cost, consider language, visa policies, and how big the international community is in each city.