Cost of Living Comparison Between Dubrovnik and Palmerston North Cost of Living Comparison Between Dubrovnik and Palmerston North

Monthly Cost of Living

A single person spends $1,934 per month in Dubrovnik vs $1,662 in Palmerston North, rent included.

A couple spends around $2,801 per month in Dubrovnik vs $2,665 in Palmerston North, rent included.

A family of three spends $3,669 per month in Dubrovnik vs $3,668 in Palmerston North, rent included.

Dubrovnik costs about 16% more than Palmerston North, driven mainly by Monthly Utilities & Internet.

Both Dubrovnik and Palmerston North sit above the global median – Dubrovnik by 45%, Palmerston North by 24%.

Meal at Budget Restaurant

$17.47 €15.26

$16.84 NZ$28.80

3.74%

Three-Course Dinner for Two, Mid-Range

$81.2 €71.0

$72.5 NZ$124

12.00%

Fast Food Meal (McDonalds, etc)

$12.25 €10.70

$12.04 NZ$20.60

1.74%

Cappuccino

$3.63 €3.17

$3.41 NZ$5.83

6.45%

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

$4.92 €4.30

$2.30 NZ$3.93

113.91%

Water (0.33 liter bottle)

$3.77 €3.29

$2.08 NZ$3.55

81.25%

Local Beer (0.5 liter draught)

$6.77 €5.91

$7.36 NZ$12.59

-8.02%

Imported Beer (0.33 liter bottle)

$4.56 €3.98

$6.20 NZ$10.61

-26.45%

Milk (1 liter)

$1.23 €1.07

$1.92 NZ$3.28

-35.94%

White Bread (500g)

$1.52 €1.33

$2.07 NZ$3.54

-26.57%

Rice (white) (1kg)

$2.27 €1.98

$1.81 NZ$3.09

25.41%

Eggs

$4.45 €3.89

$5.28 NZ$9.03

-15.72%

Local Cheese (1kg)

$12.25 €10.70

$8.19 NZ$14.02

49.57%

Chicken Fillets (1kg)

$12.54 €10.95

$9.27 NZ$15.86

35.28%

Beef Round Steak (1kg)

$10.31 €9.01

$12.59 NZ$21.54

-18.11%

Apples (1kg)

$1.68 €1.47

$2.50 NZ$4.27

-32.80%

Banana (1kg)

$1.68 €1.47

$1.83 NZ$3.12

-8.20%

Oranges (1kg)

$1.95 €1.70

$2.43 NZ$4.16

-19.75%

Tomato (1kg)

$2.78 €2.43

$3.48 NZ$5.96

-20.11%

Potato (1kg)

$1.21 €1.06

$2.13 NZ$3.64

-43.19%

Onion (1kg)

$0.87 €0.76

$2.16 NZ$3.69

-59.72%

Lettuce (1 head)

$1.58 €1.38

$2.04 NZ$3.49

-22.55%

Water (1.5 liter bottle)

$1.24 €1.08

$0.99 NZ$1.70

25.25%

Cigarettes 20 Pack (Marlboro, Camel)

$5.19 €4.53

$20.47 NZ$35.01

-74.65%

Wine (Bottle)

$4.62 €4.04

$8.79 NZ$15.04

-47.44%

Local Beer (0.5 liter bottle)

$1.29 €1.13

$2.45 NZ$4.20

-47.35%

Imported Beer (0.33 liter bottle)

$2.90 €2.54

$5.21 NZ$8.92

-44.34%

One-way Ticket (Public Transport)

$2.67 €2.33

$4.59 NZ$7.86

-41.83%

Public Transport Monthly Pass (Regular Price)

$55.8 €48.73

$30.29 NZ$51.8

84.12%

Taxi Start (Normal Tariff)

$3.10 €2.71

$2.38 NZ$4.07

30.25%

Taxi (Normal Tariff) (1km)

$1.14 €0.99

$1.80 NZ$3.08

-36.67%

Taxi 1hour Waiting (Normal Tariff)

$7.71 €6.74

$17.45 NZ$29.85

-55.82%

Gasoline (1 liter)

$1.76 €1.54

$1.64 NZ$2.81

7.32%

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

$37.4K €32.7K

$18.4K NZ$31.5K

103.66%

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

$26.0K €22.7K

$21.8K NZ$37.3K

19.16%

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

$184 €160

$89.6 NZ$153

104.78%

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

$23.22 €20.28

$36.80 NZ$63.0

-36.90%

Internet (50+ Mbps, Unlimited Data)

$26.85 €23.46

$47.79 NZ$81.8

-43.82%

Gym Membership (Monthly)

$70.7 €61.8

$35.51 NZ$60.8

99.18%

Tennis Court (1 Hour on Weekend)

$23.88 €20.86

$13.17 NZ$22.54

81.32%

Cinema Ticket

$8.19 €7.16

$9.14 NZ$15.63

-10.39%

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

$92.2 €80.5

$993 NZ$1,699

-90.72%

International Primary School, 1 Child (Yearly)

$8,171 €7,139

$6,069 NZ$10.4K

34.64%

Jeans (Levis 501 Or Similar)

$75.1 €65.6

$56.9 NZ$97.4

31.82%

Summer Dress (H&M, Zara, etc)

$28.98 €25.32

$37.10 NZ$63.5

-21.89%

Sport Shoes (Adidas, Nike)

$69.0 €60.3

$92.4 NZ$158

-25.34%

Men's Leather Business Shoes

$79.4 €69.4

$90.6 NZ$155

-12.30%

1-bedroom Apartment, City Center (Monthly)

$1,241 €1,084

$844 NZ$1,444

47.05%

1-bedroom Apartment, Outside City Center (Monthly)

$905 €790

$688 NZ$1,177

31.56%

3-bedroom Apartment, City Center (Monthly)

$1,708 €1,492

$1,570 NZ$2,686

8.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,216 €1,063

$1,391 NZ$2,380

-12.55%

Buy Apartment in City Center (m2)

$8,309 €7,260

$2,125 NZ$3,635

291.08%

Buy Apartment Outside City Center (m2)

$4,266 €3,727

$1,887 NZ$3,228

126.09%

Average Monthly Net Salary (After Tax)

$1,487 €1,299

$2,576 NZ$4,407

-42.29%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.66

6.69

-30.34%

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

Last update for Dubrovnik: July 13, 2026

Last update for Palmerston North: July 12, 2026

Cost Breakdown

A central one-bedroom costs $1,241 in Dubrovnik versus $844 in Palmerston North. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 73% higher in Palmerston North, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $81.0 in Dubrovnik versus $73.0 in Palmerston North. Groceries tell a different story – $273 in Dubrovnik vs $298 in Palmerston North – so Dubrovnik wins on supermarket bills even if dining out costs more.

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

Dubrovnik vs Palmerston North: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,934 in Dubrovnik, $1,662 in Palmerston North – roughly 16% apart. Dubrovnik costs more across the board, with Monthly Utilities & Internet showing the biggest gap.

For a comfortable life, plan on about $2,901 per month in Dubrovnik and $2,493 in Palmerston North. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Palmerston North, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Public transport costs about 84% less in Palmerston North. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $92.2 per month in Dubrovnik and $993 in Palmerston North. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $3,000 monthly budget goes further in Palmerston North, where all-in costs run around $1,662, than in Dubrovnik at $1,934. In Palmerston North it covers expenses comfortably, while in Dubrovnik it requires careful planning or may not stretch far enough.

Families tend to lean toward Palmerston North – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Palmerston North. If higher salaries, better infrastructure, or specific career opportunities are the priority, Dubrovnik makes more sense. Both are solid long-term options with distinct trade-offs.