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: $2,422 in Harstad versus $1,625 in Tivat.

Estimated couple costs with rent: $3,693 in Harstad versus $2,416 in Tivat.

Monthly costs for a family of three with rent: $4,965 in Harstad versus $3,208 in Tivat.

Living in Harstad is roughly 49% more expensive than Tivat, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Harstad 81% above, Tivat 21% above.

Meal at Budget Restaurant

$13.57 NOK 126

$14.16 €12.18

-4.17%

Three-Course Dinner for Two, Mid-Range

$119 NOK 1,110

$46.91 €40.35

154.66%

Fast Food Meal (McDonalds, etc)

$15.33 NOK 142

$9.83 €8.46

55.95%

Cappuccino

$6.05 NOK 56.2

$2.94 €2.53

105.78%

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

$3.45 NOK 32.05

$2.14 €1.84

61.21%

Water (0.33 liter bottle)

$2.99 NOK 27.81

$1.40 €1.20

113.57%

Local Beer (0.5 liter draught)

$11.22 NOK 104

$2.97 €2.55

277.78%

Imported Beer (0.33 liter bottle)

$11.32 NOK 105

$3.56 €3.07

217.98%

Milk (1 liter)

$2.32 NOK 21.52

$1.44 €1.24

61.11%

White Bread (500g)

$3.15 NOK 29.31

$1.09 €0.94

188.99%

Rice (white) (1kg)

$3.00 NOK 27.86

$2.40 €2.06

25.00%

Eggs

$4.18 NOK 38.80

$3.23 €2.78

29.41%

Local Cheese (1kg)

$10.56 NOK 98.1

$9.23 €7.94

14.41%

Chicken Fillets (1kg)

$14.92 NOK 139

$8.03 €6.91

85.80%

Beef Round Steak (1kg)

$37.12 NOK 345

$11.58 €9.96

220.55%

Apples (1kg)

$4.06 NOK 37.71

$1.52 €1.31

167.11%

Banana (1kg)

$2.68 NOK 24.91

$1.80 €1.54

48.89%

Oranges (1kg)

$3.46 NOK 32.17

$1.69 €1.45

104.73%

Tomato (1kg)

$4.67 NOK 43.38

$2.92 €2.51

59.93%

Potato (1kg)

$1.99 NOK 18.53

$1.07 €0.92

85.98%

Onion (1kg)

$1.98 NOK 18.39

$1.18 €1.02

67.80%

Lettuce (1 head)

$2.77 NOK 25.78

$1.87 €1.61

48.13%

Water (1.5 liter bottle)

$1.79 NOK 16.61

$1.19 €1.02

50.42%

Cigarettes 20 Pack (Marlboro, Camel)

$15.21 NOK 141

$4.19 €3.61

263.01%

Wine (Bottle)

$16.00 NOK 149

$5.76 €4.95

177.78%

Local Beer (0.5 liter bottle)

$3.56 NOK 33.05

$1.29 €1.11

175.97%

Imported Beer (0.33 liter bottle)

$4.50 NOK 41.82

$1.86 €1.60

141.94%

One-way Ticket (Public Transport)

$5.95 NOK 55.3

$1.71 €1.47

247.95%

Public Transport Monthly Pass (Regular Price)

$81.5 NOK 757

$40.47 €34.81

101.41%

Taxi Start (Normal Tariff)

$12.47 NOK 116

$1.17 €1.01

965.81%

Taxi (Normal Tariff) (1km)

$1.44 NOK 13.34

$1.02 €0.88

41.18%

Taxi 1hour Waiting (Normal Tariff)

$51.3 NOK 477

$11.54 €9.93

344.54%

Gasoline (1 liter)

$2.11 NOK 19.61

$1.77 €1.52

19.21%

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

$33.6K NOK 312.4K

$29.3K €25.2K

14.76%

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

$30.8K NOK 286.6K

$29.1K €25.0K

6.10%

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

$160 NOK 1,483

$143 €123

11.30%

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

$33.10 NOK 308

$18.10 €15.57

82.87%

Internet (50+ Mbps, Unlimited Data)

$77.0 NOK 715

$32.86 €28.27

134.36%

Gym Membership (Monthly)

$49.67 NOK 461

$52.8 €45.44

-5.96%

Tennis Court (1 Hour on Weekend)

$36.08 NOK 335

$15.74 €13.54

129.22%

Cinema Ticket

$16.99 NOK 158

$5.82 €5.00

191.92%

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

$329 NOK 3,056

$423 €364

-22.22%

International Primary School, 1 Child (Yearly)

$5,131 NOK 47.7K

$10.2K €8,735

-49.47%

Jeans (Levis 501 Or Similar)

$77.2 NOK 717

$82.5 €71.0

-6.41%

Summer Dress (H&M, Zara, etc)

$33.44 NOK 311

$38.39 €33.02

-12.89%

Sport Shoes (Adidas, Nike)

$118 NOK 1,094

$109 €93.9

7.83%

Men's Leather Business Shoes

$134 NOK 1,247

$129 €111

4.39%

1-bedroom Apartment, City Center (Monthly)

$1,330 NOK 12.4K

$1,060 €912

25.49%

1-bedroom Apartment, Outside City Center (Monthly)

$1,004 NOK 9,326

$689 €593

45.73%

3-bedroom Apartment, City Center (Monthly)

$2,212 NOK 20.6K

$2,083 €1,792

6.18%

3-bedroom Apartment, Outside City Center (Monthly)

$1,494 NOK 13.9K

$1,162 €999

28.63%

Buy Apartment in City Center (m2)

$6,005 NOK 55.8K

$6,151 €5,291

-2.37%

Buy Apartment Outside City Center (m2)

$4,540 NOK 42.2K

$2,798 €2,407

62.24%

Average Monthly Net Salary (After Tax)

$3,581 NOK 33.3K

$1,250 €1,075

186.43%

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: May 31, 2026

Last update for Tivat: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,330 in Harstad and $1,060 in Tivat. Housing cost is often the main lever when comparing two cities.

Harstad pays 186% 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: $119 in Harstad vs $47.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $476 vs $239 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, Clothing & Footwear, Getting Around, Monthly Utilities & Internet. The 49% gap adds up to real monthly savings that compound significantly over time.

Harstad pays 186% more on average, 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: $1,330 in Harstad versus $1,060 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 $47.00 versus $119 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,625 in Tivat versus $2,422 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 49% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.