Last update: Oct 2026

Cost of Living Comparison Between Harstad and Cakovec

For one person, living is cheaper in Cakovec: $1,335 a month against $2,553 in Harstad, rent and utilities included – about $14,600 less a year. Rent and utilities account for about half of the difference.

124

Cost of Living Index in Harstad
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Harstad Living Index
64

Cost of Living Index in Cakovec
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Cakovec Living Index

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Harstad

🇳🇴 Norway

$2,553

/mo nomad

Cakovec

🇭🇷 Croatia

$1,335

/mo nomad

Monthly Cost of Living

How much you'll spend in Harstad and in Cakovec

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

A single person spends $2,553 per month in Harstad vs $1,335 in Cakovec, rent included.

Harstad $2,553
Cakovec $1,335

A couple spends around $3,807 per month in Harstad vs $1,949 in Cakovec, rent included.

Harstad $3,807
Cakovec $1,949

A family of three spends $5,061 per month in Harstad vs $2,564 in Cakovec, rent included.

Harstad $5,061
Cakovec $2,564

Harstad costs about 91% more than Cakovec, and outside of rent the biggest gap is in groceries.

Harstad sits 88% above the global median, while Cakovec is 1% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$14.18 NOK 133

$7.07 €6.29

100.57%

Three-Course Dinner for Two, Mid-Range

$103 NOK 969

$44.58 €39.65

130.96%

Fast Food Meal (McDonalds, etc)

$15.83 NOK 149

$7.98 €7.10

98.37%

Cappuccino

$6.29 NOK 59.2

$2.17 €1.93

189.86%

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

$3.63 NOK 34.15

$2.08 €1.85

74.52%

Water (0.33 liter bottle)

$3.14 NOK 29.58

$1.72 €1.53

82.56%

Local Beer (0.5 liter draught)

$12.57 NOK 118

$2.54 €2.26

394.88%

Imported Beer (0.33 liter bottle)

$13.53 NOK 127

$3.28 €2.92

312.50%

Milk (1 liter)

$2.46 NOK 23.20

$1.21 €1.08

103.31%

White Bread (500g)

$3.25 NOK 30.60

$1.60 €1.42

103.12%

Rice (white) (1kg)

$3.22 NOK 30.27

$3.35 €2.98

-3.88%

Eggs

$4.31 NOK 40.61

$3.47 €3.09

24.21%

Local Cheese (1kg)

$10.71 NOK 101

$15.98 €14.21

-32.98%

Chicken Fillets (1kg)

$14.37 NOK 135

$10.35 €9.20

38.84%

Beef Round Steak (1kg)

$41.47 NOK 390

$9.97 €8.87

315.95%

Apples (1kg)

$4.15 NOK 39.10

$1.63 €1.45

154.60%

Banana (1kg)

$2.85 NOK 26.81

$1.75 €1.56

62.86%

Oranges (1kg)

$3.69 NOK 34.75

$1.58 €1.41

133.54%

Tomato (1kg)

$4.65 NOK 43.74

$1.61 €1.43

188.82%

Potato (1kg)

$2.06 NOK 19.36

$1.38 €1.22

49.28%

Onion (1kg)

$2.04 NOK 19.21

$1.32 €1.17

54.55%

Lettuce (1 head)

$2.98 NOK 28.02

$0.82 €0.73

263.41%

Water (1.5 liter bottle)

$2.34 NOK 22.00

$1.35 €1.20

73.33%

Cigarettes 20 Pack (Marlboro, Camel)

$16.03 NOK 151

$5.43 €4.83

195.21%

Wine (Bottle)

$15.88 NOK 149

$7.49 €6.66

112.02%

Local Beer (0.5 liter bottle)

$3.82 NOK 35.99

$1.26 €1.12

203.17%

Imported Beer (0.33 liter bottle)

$4.89 NOK 46.04

$1.92 €1.71

154.69%

One-way Ticket (Public Transport)

$6.09 NOK 57.3

$2.35 €2.09

159.15%

Public Transport Monthly Pass (Regular Price)

$81.8 NOK 770

$61.9 €55.1

32.21%

Taxi Start (Normal Tariff)

$15.86 NOK 149

$5.60 €4.98

183.21%

Taxi (Normal Tariff) (1km)

$1.86 NOK 17.47

$1.38 €1.23

34.78%

Taxi 1hour Waiting (Normal Tariff)

$55.0 NOK 517

$11.21 €9.98

390.28%

Gasoline (1 liter)

$2.29 NOK 21.60

$1.68 €1.50

36.31%

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

$36.4K NOK 343.0K

$26.2K €23.3K

39.22%

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

$30.9K NOK 291.0K

$24.7K €21.9K

25.41%

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

$167 NOK 1,568

$190 €169

-12.18%

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

$33.30 NOK 313

$18.04 €16.05

84.59%

Internet (50+ Mbps, Unlimited Data)

$77.4 NOK 729

$33.29 €29.61

132.59%

Gym Membership (Monthly)

$48.78 NOK 459

$52.6 €46.80

-7.30%

Tennis Court (1 Hour on Weekend)

$37.22 NOK 350

$22.41 €19.93

66.09%

Cinema Ticket

$17.10 NOK 161

$7.94 €7.07

115.37%

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

$237 NOK 2,231

$129 €115

83.87%

International Primary School, 1 Child (Yearly)

$5,116 NOK 48.2K

$8,329 €7,409

-38.58%

Jeans (Levis 501 Or Similar)

$67.4 NOK 635

$97.2 €86.4

-30.60%

Summer Dress (H&M, Zara, etc)

$34.87 NOK 328

$41.05 €36.51

-15.05%

Sport Shoes (Adidas, Nike)

$118 NOK 1,111

$86.9 €77.3

35.90%

Men's Leather Business Shoes

$161 NOK 1,513

$108 €96.2

48.54%

1-bedroom Apartment, City Center (Monthly)

$1,335 NOK 12.6K

$480 €427

178.08%

1-bedroom Apartment, Outside City Center (Monthly)

$1,035 NOK 9,740

$381 €339

171.41%

3-bedroom Apartment, City Center (Monthly)

$2,281 NOK 21.5K

$691 €615

230.01%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 NOK 14.4K

$518 €461

194.37%

Buy Apartment in City Center (m2)

$6,018 NOK 56.6K

$3,160 €2,810

90.46%

Buy Apartment Outside City Center (m2)

$3,991 NOK 37.6K

$2,235 €1,988

78.58%

Average Monthly Net Salary (After Tax)

$3,383 NOK 31.8K

$1,295 €1,152

161.24%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

34.05%

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

Last update for Harstad: October 17, 2026

Last update for Cakovec: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Harstad

$1K 40.5%

Cakovec

$381 28.6% 63.2% $653

Groceries & Markets

Harstad

$502 19.7%

Cakovec

$269 20.2% 46.4% $233

Eating Out

Harstad

$353 13.8%

Cakovec

$141 10.6% 60.1% $212

Monthly Utilities & Internet

Harstad

$277 10.9%

Cakovec

$241 18.1% 13.1% $36

Clothing & Footwear

Harstad

$171 6.7%

Cakovec

$150 11.2% 12.5% $22

Getting Around

Harstad

$131 5.1%

Cakovec

$84 6.3% 36.2% $48

Sport & Entertainment

Harstad

$83 3.3%

Cakovec

$69 5.1% 17.4% $14

Cost Breakdown

A central one-bedroom costs $1,335 in Harstad versus $480 in Cakovec. 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 161% higher in Harstad, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $103 in Harstad versus $45.00 in Cakovec. Monthly groceries follow the same trend: $502 vs $269 – making Cakovec the more affordable choice for daily food spending.

Good to know

🇳🇴 Harstad

🇭🇷 Cakovec

🕒 Local time

11:32 11:32 AM

Same time as Harstad

🌤 Weather

👥 Population

25,119

27,122

💱 Currency

Norwegian Krone NOK kr

Euro EUR €

📈 Exchange rate

100 NOK = 10.62 USD

100 NOK = 9.45 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to NOK – Norwegian Krone Converter

🇺🇸 United States Dollar ($)

🇳🇴 Norwegian Krone (kr)

Norwegian Krone exchange rates as of October 22, 2026: 1 USD = 9.41 NOK (1 NOK = 0.106 USD). 1 EUR = 10.58 NOK (100 NOK = 9.45 EUR).

Euro exchange rates as of October 22, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to NOK in detail →

On the map

Lowest

Highest

Between locations

Harstad Cakovec 2,490 km ≈ 3 h 30 min nonstop flight

From you

Harstad
Cakovec

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

Harstad vs Cakovec: Cost of Living - Frequently Asked Questions

Harstad costs about 91% more than Cakovec, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,830 per month in Harstad and $2,002 in Cakovec. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 87% more in Harstad, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $103 in Harstad and $45.00 in Cakovec. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Cakovec, where all-in costs run around $1,335, than in Harstad at $2,553. In Cakovec it covers expenses comfortably, while in Harstad it requires careful planning or may not stretch far enough.

Families tend to lean toward Cakovec – 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 Cakovec. If higher salaries, better infrastructure, or specific career opportunities are the priority, Harstad makes more sense. Both are solid long-term options with distinct trade-offs.