Last update: Oct 2026

Cost of Living Comparison Between Harstad and Tivat

For one person, living is cheaper in Tivat: $1,651 a month against $2,553 in Harstad, rent and utilities included – about $10,800 less a year. Other living expenses account for most of the difference.

124

Cost of Living Index in Harstad
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Harstad Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Harstad

🇳🇴 Norway

$2,553

/mo nomad

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Monthly Cost of Living

How much you'll spend in Harstad and in Tivat

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 Tivat actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,553 in Harstad versus $1,651 in Tivat.

Harstad $2,553
Tivat $1,651

Estimated couple costs with rent: $3,807 in Harstad versus $2,494 in Tivat.

Harstad $3,807
Tivat $2,494

Monthly costs for a family of three with rent: $5,061 in Harstad versus $3,338 in Tivat.

Harstad $5,061
Tivat $3,338

Living in Harstad is roughly 55% more expensive than in Tivat, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Harstad 88% above, Tivat 22% above.

Meal at Budget Restaurant

$14.18 NOK 133

$11.18 €9.95

26.83%

Three-Course Dinner for Two, Mid-Range

$103 NOK 969

$45.70 €40.65

125.30%

Fast Food Meal (McDonalds, etc)

$15.83 NOK 149

$10.86 €9.66

45.76%

Cappuccino

$6.29 NOK 59.2

$2.21 €1.97

184.62%

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

$3.63 NOK 34.15

$2.58 €2.30

40.70%

Water (0.33 liter bottle)

$3.14 NOK 29.58

$1.40 €1.25

124.29%

Local Beer (0.5 liter draught)

$12.57 NOK 118

$3.17 €2.82

296.53%

Imported Beer (0.33 liter bottle)

$13.53 NOK 127

$3.31 €2.94

308.76%

Milk (1 liter)

$2.46 NOK 23.20

$1.29 €1.14

90.70%

White Bread (500g)

$3.25 NOK 30.60

$1.09 €0.97

198.17%

Rice (white) (1kg)

$3.22 NOK 30.27

$1.94 €1.72

65.98%

Eggs

$4.31 NOK 40.61

$3.36 €2.99

28.27%

Local Cheese (1kg)

$10.71 NOK 101

$8.92 €7.93

20.07%

Chicken Fillets (1kg)

$14.37 NOK 135

$8.07 €7.18

78.07%

Beef Round Steak (1kg)

$41.47 NOK 390

$12.30 €10.94

237.15%

Apples (1kg)

$4.15 NOK 39.10

$1.62 €1.44

156.17%

Banana (1kg)

$2.85 NOK 26.81

$1.68 €1.50

69.64%

Oranges (1kg)

$3.69 NOK 34.75

$1.73 €1.54

113.29%

Tomato (1kg)

$4.65 NOK 43.74

$2.88 €2.56

61.46%

Potato (1kg)

$2.06 NOK 19.36

$0.92 €0.82

123.91%

Onion (1kg)

$2.04 NOK 19.21

$1.12 €1.00

82.14%

Lettuce (1 head)

$2.98 NOK 28.02

$1.67 €1.48

78.44%

Water (1.5 liter bottle)

$2.34 NOK 22.00

$0.89 €0.79

162.92%

Cigarettes 20 Pack (Marlboro, Camel)

$16.03 NOK 151

$4.34 €3.86

269.35%

Wine (Bottle)

$15.88 NOK 149

$5.56 €4.94

185.61%

Local Beer (0.5 liter bottle)

$3.82 NOK 35.99

$1.09 €0.97

250.46%

Imported Beer (0.33 liter bottle)

$4.89 NOK 46.04

$1.68 €1.49

191.07%

One-way Ticket (Public Transport)

$6.09 NOK 57.3

$1.71 €1.52

256.14%

Public Transport Monthly Pass (Regular Price)

$81.8 NOK 770

$39.50 €35.14

107.19%

Taxi Start (Normal Tariff)

$15.86 NOK 149

$1.14 €1.01

1291.23%

Taxi (Normal Tariff) (1km)

$1.86 NOK 17.47

$1.15 €1.02

61.74%

Taxi 1hour Waiting (Normal Tariff)

$55.0 NOK 517

$11.35 €10.10

384.23%

Gasoline (1 liter)

$2.29 NOK 21.60

$1.79 €1.60

27.93%

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

$36.4K NOK 343.0K

$27.8K €24.7K

31.22%

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

$30.9K NOK 291.0K

$25.6K €22.8K

20.81%

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

$167 NOK 1,568

$127 €113

30.80%

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

$33.30 NOK 313

$15.03 €13.37

121.56%

Internet (50+ Mbps, Unlimited Data)

$77.4 NOK 729

$33.55 €29.84

130.79%

Gym Membership (Monthly)

$48.78 NOK 459

$46.87 €41.69

4.08%

Tennis Court (1 Hour on Weekend)

$37.22 NOK 350

$15.38 €13.68

142.00%

Cinema Ticket

$17.10 NOK 161

$6.00 €5.33

185.00%

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

$237 NOK 2,231

$407 €362

-41.74%

International Primary School, 1 Child (Yearly)

$5,116 NOK 48.2K

$7,455 €6,632

-31.38%

Jeans (Levis 501 Or Similar)

$67.4 NOK 635

$87.0 €77.4

-22.51%

Summer Dress (H&M, Zara, etc)

$34.87 NOK 328

$39.46 €35.10

-11.63%

Sport Shoes (Adidas, Nike)

$118 NOK 1,111

$97.8 €87.0

20.75%

Men's Leather Business Shoes

$161 NOK 1,513

$104 €92.4

54.70%

1-bedroom Apartment, City Center (Monthly)

$1,335 NOK 12.6K

$884 €786

51.07%

1-bedroom Apartment, Outside City Center (Monthly)

$1,035 NOK 9,740

$797 €709

29.79%

3-bedroom Apartment, City Center (Monthly)

$2,281 NOK 21.5K

$1,996 €1,775

14.27%

3-bedroom Apartment, Outside City Center (Monthly)

$1,526 NOK 14.4K

$1,433 €1,275

6.46%

Buy Apartment in City Center (m2)

$6,018 NOK 56.6K

$5,841 €5,196

3.02%

Buy Apartment Outside City Center (m2)

$3,991 NOK 37.6K

$2,688 €2,391

48.51%

Average Monthly Net Salary (After Tax)

$3,383 NOK 31.8K

$1,214 €1,080

178.59%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

-7.06%

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

Last update for Harstad: October 17, 2026

Last update for Tivat: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Harstad

$1K 40.5%

Tivat

$797 48.3% 23% $238

Groceries & Markets

Harstad

$502 19.7%

Tivat

$231 14% 54.1% $272

Eating Out

Harstad

$353 13.8%

Tivat

$187 11.3% 47.1% $166

Monthly Utilities & Internet

Harstad

$277 10.9%

Tivat

$176 10.7% 36.6% $101

Clothing & Footwear

Harstad

$171 6.7%

Tivat

$148 9% 13.9% $24

Getting Around

Harstad

$131 5.1%

Tivat

$53 3.2% 59.5% $78

Sport & Entertainment

Harstad

$83 3.3%

Tivat

$59 3.6% 29.1% $24

Cost Breakdown

A one-bedroom apartment in the center runs $1,335 in Harstad and $884 in Tivat. Housing cost is often the main lever when comparing two cities.

Harstad pays 179% 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: $103 in Harstad vs $46.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $502 vs $231 per month, with Tivat cheaper across the board.

Good to know

🇳🇴 Harstad

🇲🇪 Tivat

🕒 Local time

12:19 12:19 PM

Same time as Harstad

🌤 Weather

👥 Population

25,119

9,500

💱 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 Tivat 2,930 km ≈ 4 h 15 min nonstop flight

From you

Harstad
Tivat

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 Tivat: Cost of Living - Frequently Asked Questions

Tivat is cheaper overall, especially in groceries, eating out, and clothing. The 55% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 179% higher in Harstad, 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: $1,335 in Harstad versus $884 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 118% higher in Harstad. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Tivat – a meal for two runs $46.00 versus $103 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,651 in Tivat versus $2,553 in Harstad, a $2,000 budget is realistic in Tivat but tight or insufficient in Harstad. The gap between the two cities makes Tivat the clear choice for anyone on this budget.

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

Safety-wise, Harstad and Tivat 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 Tivat gentler on the wallet – expenses run 55% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.