Cost of Living Comparison Between Harstad and Tivat Cost of Living Comparison Between Harstad and Tivat

Monthly Cost of Living

Monthly costs for one person with rent: $2,424 in Harstad versus $1,601 in Tivat.

Estimated couple costs with rent: $3,691 in Harstad versus $2,382 in Tivat.

Monthly costs for a family of three with rent: $4,957 in Harstad versus $3,163 in Tivat.

Living in Harstad is roughly 51% more expensive than in Tivat, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Harstad 81% above, Tivat 20% above.

Meal at Budget Restaurant

$13.40 NOK 129

$14.05 €12.29

-4.63%

Three-Course Dinner for Two, Mid-Range

$120 NOK 1,159

$45.49 €39.80

164.23%

Fast Food Meal (McDonalds, etc)

$15.02 NOK 145

$10.07 €8.81

49.16%

Cappuccino

$6.02 NOK 58.0

$2.82 €2.46

113.48%

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

$3.60 NOK 34.71

$2.27 €1.98

58.59%

Water (0.33 liter bottle)

$2.97 NOK 28.67

$1.43 €1.25

107.69%

Local Beer (0.5 liter draught)

$11.02 NOK 106

$2.92 €2.56

277.40%

Imported Beer (0.33 liter bottle)

$11.02 NOK 106

$3.43 €3.00

221.28%

Milk (1 liter)

$2.33 NOK 22.51

$1.41 €1.24

65.25%

White Bread (500g)

$3.19 NOK 30.75

$1.12 €0.98

184.82%

Rice (white) (1kg)

$3.01 NOK 29.05

$2.31 €2.03

30.30%

Eggs

$4.15 NOK 39.98

$3.14 €2.75

32.17%

Local Cheese (1kg)

$10.49 NOK 101

$8.92 €7.81

17.60%

Chicken Fillets (1kg)

$15.21 NOK 147

$8.04 €7.04

89.18%

Beef Round Steak (1kg)

$37.47 NOK 361

$11.93 €10.44

214.08%

Apples (1kg)

$3.96 NOK 38.23

$1.52 €1.33

160.53%

Banana (1kg)

$2.76 NOK 26.58

$1.73 €1.51

59.54%

Oranges (1kg)

$3.46 NOK 33.39

$1.68 €1.47

105.95%

Tomato (1kg)

$4.66 NOK 44.93

$2.84 €2.49

64.08%

Potato (1kg)

$2.08 NOK 20.04

$1.08 €0.95

92.59%

Onion (1kg)

$2.07 NOK 19.97

$1.13 €0.99

83.19%

Lettuce (1 head)

$2.73 NOK 26.32

$1.95 €1.70

40.00%

Water (1.5 liter bottle)

$1.70 NOK 16.42

$1.19 €1.04

42.86%

Cigarettes 20 Pack (Marlboro, Camel)

$14.71 NOK 142

$4.34 €3.80

238.94%

Wine (Bottle)

$15.23 NOK 147

$6.73 €5.89

126.30%

Local Beer (0.5 liter bottle)

$3.65 NOK 35.19

$1.29 €1.13

182.95%

Imported Beer (0.33 liter bottle)

$4.68 NOK 45.18

$1.87 €1.64

150.27%

One-way Ticket (Public Transport)

$6.00 NOK 57.8

$1.77 €1.54

238.98%

Public Transport Monthly Pass (Regular Price)

$80.5 NOK 777

$40.14 €35.12

100.65%

Taxi Start (Normal Tariff)

$12.88 NOK 124

$1.14 €1.00

1029.82%

Taxi (Normal Tariff) (1km)

$1.44 NOK 13.93

$1.03 €0.90

39.81%

Taxi 1hour Waiting (Normal Tariff)

$51.3 NOK 495

$11.70 €10.24

338.46%

Gasoline (1 liter)

$2.21 NOK 21.31

$1.75 €1.53

26.29%

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

$33.1K NOK 319.0K

$28.5K €24.9K

16.26%

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

$30.1K NOK 290.7K

$29.3K €25.6K

2.84%

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

$162 NOK 1,561

$140 €123

15.48%

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

$32.61 NOK 314

$18.21 €15.93

79.08%

Internet (50+ Mbps, Unlimited Data)

$76.5 NOK 738

$32.88 €28.77

132.69%

Gym Membership (Monthly)

$49.10 NOK 473

$51.3 €44.85

-4.21%

Tennis Court (1 Hour on Weekend)

$34.81 NOK 336

$16.06 €14.05

116.75%

Cinema Ticket

$16.86 NOK 163

$5.67 €4.96

197.35%

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

$335 NOK 3,227

$420 €367

-20.31%

International Primary School, 1 Child (Yearly)

$5,004 NOK 48.3K

$10.2K €8,966

-51.17%

Jeans (Levis 501 Or Similar)

$77.3 NOK 745

$84.1 €73.6

-8.08%

Summer Dress (H&M, Zara, etc)

$32.68 NOK 315

$38.70 €33.86

-15.56%

Sport Shoes (Adidas, Nike)

$117 NOK 1,124

$113 €99.0

3.09%

Men's Leather Business Shoes

$133 NOK 1,283

$127 €111

4.99%

1-bedroom Apartment, City Center (Monthly)

$1,302 NOK 12.6K

$1,084 €948

20.11%

1-bedroom Apartment, Outside City Center (Monthly)

$1,020 NOK 9,838

$685 €599

48.93%

3-bedroom Apartment, City Center (Monthly)

$2,218 NOK 21.4K

$2,057 €1,799

7.86%

3-bedroom Apartment, Outside City Center (Monthly)

$1,495 NOK 14.4K

$1,191 €1,042

25.49%

Buy Apartment in City Center (m2)

$5,722 NOK 55.2K

$5,955 €5,210

-3.92%

Buy Apartment Outside City Center (m2)

$3,857 NOK 37.2K

$2,657 €2,325

45.14%

Average Monthly Net Salary (After Tax)

$3,409 NOK 32.9K

$1,215 €1,063

180.63%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.27

5.73

-25.48%

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

Last update for Harstad: July 13, 2026

Last update for Tivat: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,302 in Harstad and $1,084 in Tivat. Housing cost is often the main lever when comparing two cities.

Harstad pays 181% 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: $120 in Harstad vs $45.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $477 vs $240 per month, with Tivat 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

Harstad vs Tivat: Cost of Living - Frequently Asked Questions

Tivat is cheaper overall, especially in Groceries & Markets, Eating Out, Getting Around, Monthly Utilities & Internet, Sport & Entertainment. The 51% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 181% 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: $1,302 in Harstad versus $1,084 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 99% 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 $45.00 versus $120 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,601 in Tivat versus $2,424 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 51% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.