Cost of Living Comparison Between Herceg Novi and Saitama Cost of Living Comparison Between Herceg Novi and Saitama

Monthly Cost of Living

Monthly costs for one person with rent: $1,465 in Herceg Novi versus $1,127 in Saitama.

Estimated couple costs with rent: $2,156 in Herceg Novi versus $1,830 in Saitama.

Monthly costs for a family of three with rent: $2,848 in Herceg Novi versus $2,533 in Saitama.

Living in Herceg Novi is roughly 30% more expensive than in Saitama, driven mainly by Groceries & Markets.

The two cities straddle the global median: Herceg Novi is 10% above, Saitama is 16% below.

Meal at Budget Restaurant

$11.53 €10.07

$5.87 ¥954

96.42%

Three-Course Dinner for Two, Mid-Range

$37.39 €32.67

$34.39 ¥5,584

8.72%

Fast Food Meal (McDonalds, etc)

$10.47 €9.15

$4.98 ¥809

110.24%

Cappuccino

$2.61 €2.28

$3.08 ¥500

-15.26%

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

$2.82 €2.46

$0.71 ¥115

297.18%

Water (0.33 liter bottle)

$1.94 €1.70

$0.74 ¥121

162.16%

Local Beer (0.5 liter draught)

$2.93 €2.56

$2.03 ¥329

44.33%

Imported Beer (0.33 liter bottle)

$2.98 €2.60

$3.04 ¥494

-1.97%

Milk (1 liter)

$1.39 €1.21

$1.51 ¥245

-7.95%

White Bread (500g)

$0.93 €0.81

$1.66 ¥270

-43.98%

Rice (white) (1kg)

$2.53 €2.21

$2.94 ¥477

-13.95%

Eggs

$3.18 €2.78

$2.23 ¥362

42.60%

Local Cheese (1kg)

$8.94 €7.81

$10.20 ¥1,657

-12.35%

Chicken Fillets (1kg)

$7.63 €6.66

$5.91 ¥959

29.10%

Beef Round Steak (1kg)

$11.69 €10.21

$15.52 ¥2,520

-24.68%

Apples (1kg)

$1.32 €1.16

$5.95 ¥967

-77.82%

Banana (1kg)

$1.69 €1.48

$1.34 ¥218

26.12%

Oranges (1kg)

$1.63 €1.43

$3.90 ¥634

-58.21%

Tomato (1kg)

$3.00 €2.62

$5.91 ¥959

-49.24%

Potato (1kg)

$1.09 €0.95

$3.24 ¥526

-66.36%

Onion (1kg)

$1.40 €1.23

$1.76 ¥285

-20.45%

Lettuce (1 head)

$1.55 €1.36

$1.34 ¥218

15.67%

Water (1.5 liter bottle)

$0.82 €0.71

$0.81 ¥132

1.23%

Cigarettes 20 Pack (Marlboro, Camel)

$3.66 €3.20

$4.06 ¥660

-9.85%

Wine (Bottle)

$4.66 €4.07

$8.17 ¥1,327

-42.96%

Local Beer (0.5 liter bottle)

$1.23 €1.08

$1.77 ¥287

-30.51%

Imported Beer (0.33 liter bottle)

$1.77 €1.55

$2.03 ¥329

-12.81%

One-way Ticket (Public Transport)

$1.15 €1.00

$1.68 ¥273

-31.55%

Public Transport Monthly Pass (Regular Price)

$58.1 €50.7

$54.8 ¥8,898

5.95%

Taxi Start (Normal Tariff)

$2.28 €1.99

$3.44 ¥558

-33.72%

Taxi (Normal Tariff) (1km)

$0.74 €0.65

$2.87 ¥465

-74.22%

Taxi 1hour Waiting (Normal Tariff)

$17.59 €15.37

$21.85 ¥3,548

-19.50%

Gasoline (1 liter)

$1.79 €1.56

$1.18 ¥191

51.69%

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

$34.1K €29.8K

$23.5K ¥3.8M

45.11%

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

$22.1K €19.3K

$18.2K ¥3.0M

21.55%

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

$139 €121

$141 ¥22.9K

-1.51%

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

$16.73 €14.61

$19.47 ¥3,161

-14.07%

Internet (50+ Mbps, Unlimited Data)

$31.83 €27.81

$34.15 ¥5,545

-6.79%

Gym Membership (Monthly)

$58.0 €50.6

$69.2 ¥11.2K

-16.21%

Tennis Court (1 Hour on Weekend)

$11.58 €10.12

$13.76 ¥2,234

-15.84%

Cinema Ticket

$8.24 €7.20

$11.91 ¥1,934

-30.81%

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

$521 €455

$283 ¥46.0K

83.80%

International Primary School, 1 Child (Yearly)

$7,796 €6,812

$13.8K ¥2.2M

-43.36%

Jeans (Levis 501 Or Similar)

$87.2 €76.2

$37.81 ¥6,139

130.55%

Summer Dress (H&M, Zara, etc)

$35.17 €30.73

$28.07 ¥4,557

25.29%

Sport Shoes (Adidas, Nike)

$75.7 €66.1

$59.9 ¥9,717

26.47%

Men's Leather Business Shoes

$96.4 €84.3

$68.7 ¥11.1K

40.46%

1-bedroom Apartment, City Center (Monthly)

$741 €648

$428 ¥69.5K

73.15%

1-bedroom Apartment, Outside City Center (Monthly)

$564 €493

$259 ¥42.0K

118.03%

3-bedroom Apartment, City Center (Monthly)

$1,392 €1,216

$877 ¥142.4K

58.68%

3-bedroom Apartment, Outside City Center (Monthly)

$974 €851

$656 ¥106.4K

48.61%

Buy Apartment in City Center (m2)

$3,656 €3,194

$4,887 ¥793.4K

-25.20%

Buy Apartment Outside City Center (m2)

$2,513 €2,195

$2,152 ¥349.4K

16.74%

Average Monthly Net Salary (After Tax)

$1,059 €925

$1,474 ¥239.4K

-28.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

1.86

168.82%

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

Last update for Herceg Novi: July 11, 2026

Last update for Saitama: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $741 in Herceg Novi and $428 in Saitama. Housing cost is often the main lever when comparing two cities.

Saitama pays 39% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $37.00 in Herceg Novi vs $34.00 in Saitama. Groceries flip the comparison at $225 vs $300, with Herceg Novi cheaper for home cooking.

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

Herceg Novi vs Saitama: Cost of Living - Frequently Asked Questions

Herceg Novi and Saitama differ by about 30% in total monthly costs ($1,465 vs $1,127 including rent). Saitama is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 39% lower in Saitama. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $741 in Herceg Novi versus $428 in Saitama. Housing is usually the single largest factor when comparing overall living costs between the two.

Shoppers in Herceg Novi pay roughly 33% less for everyday groceries. It's an unusual reversal that partly offsets higher costs elsewhere.

Dining out is cheaper in Saitama – a meal for two runs $34.00 versus $37.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,127 in Saitama versus $1,465 in Herceg Novi, a $1,500 budget is realistic in Saitama but tight or insufficient in Herceg Novi. The gap between the two cities makes Saitama the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Herceg Novi and Saitama 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 Saitama gentler on the wallet – expenses run 30% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.