Last update: Oct 2026

Cost of Living Comparison Between Hvar and Athens

For one person, living is cheaper in Hvar: $1,522 a month against $1,759 in Athens, rent and utilities included – about $2,800 less a year. Rent and utilities account for about half of the difference.

74

Cost of Living Index in Hvar
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Hvar Living Index
85

Cost of Living Index in Athens
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Athens Living Index

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Hvar

🇭🇷 Croatia

$1,522

/mo nomad

Athens

🇬🇷 Greece

$1,759

/mo nomad

Monthly Cost of Living

How much you'll spend in Hvar and in Athens

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

Monthly costs for one person with rent: $1,522 in Hvar versus $1,759 in Athens.

Hvar $1,522
Athens $1,759

Estimated couple costs with rent: $2,310 in Hvar versus $2,696 in Athens.

Hvar $2,310
Athens $2,696

Monthly costs for a family of three with rent: $3,097 in Hvar versus $3,632 in Athens.

Hvar $3,097
Athens $3,632

Living in Hvar costs roughly 14% less than in Athens, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Hvar 12% above, Athens 29% above.

Meal at Budget Restaurant

$13.08 €11.75

$17.05 €15.32

-23.28%

Three-Course Dinner for Two, Mid-Range

$72.8 €65.4

$65.8 €59.2

10.60%

Fast Food Meal (McDonalds, etc)

$9.13 €8.20

$10.96 €9.84

-16.70%

Cappuccino

$2.53 €2.27

$4.10 €3.69

-38.29%

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

$3.12 €2.80

$2.83 €2.54

10.25%

Water (0.33 liter bottle)

$2.28 €2.05

$0.59 €0.53

286.44%

Local Beer (0.5 liter draught)

$3.54 €3.18

$5.62 €5.05

-37.01%

Imported Beer (0.33 liter bottle)

$4.09 €3.68

$5.67 €5.09

-27.87%

Milk (1 liter)

$1.19 €1.07

$1.90 €1.70

-37.37%

White Bread (500g)

$1.54 €1.39

$1.46 €1.31

5.48%

Rice (white) (1kg)

$2.99 €2.69

$2.71 €2.43

10.33%

Eggs

$3.88 €3.49

$5.04 €4.53

-23.02%

Local Cheese (1kg)

$10.69 €9.60

$15.08 €13.55

-29.11%

Chicken Fillets (1kg)

$9.48 €8.52

$10.28 €9.23

-7.78%

Beef Round Steak (1kg)

$11.72 €10.53

$19.40 €17.43

-39.59%

Apples (1kg)

$1.72 €1.55

$2.12 €1.91

-18.87%

Banana (1kg)

$1.67 €1.50

$1.91 €1.72

-12.57%

Oranges (1kg)

$1.99 €1.79

$1.41 €1.26

41.13%

Tomato (1kg)

$2.57 €2.31

$2.13 €1.91

20.66%

Potato (1kg)

$1.29 €1.16

$1.04 €0.94

24.04%

Onion (1kg)

$1.28 €1.15

$1.13 €1.02

13.27%

Lettuce (1 head)

$1.27 €1.14

$1.13 €1.01

12.39%

Water (1.5 liter bottle)

$1.20 €1.08

$0.81 €0.73

48.15%

Cigarettes 20 Pack (Marlboro, Camel)

$5.73 €5.14

$5.52 €4.96

3.80%

Wine (Bottle)

$6.89 €6.19

$9.99 €8.98

-31.03%

Local Beer (0.5 liter bottle)

$1.50 €1.35

$2.04 €1.83

-26.47%

Imported Beer (0.33 liter bottle)

$1.99 €1.79

$2.28 €2.05

-12.72%

One-way Ticket (Public Transport)

$1.76 €1.58

$1.31 €1.18

34.35%

Public Transport Monthly Pass (Regular Price)

$43.21 €38.83

$30.67 €27.56

40.89%

Taxi Start (Normal Tariff)

$3.08 €2.77

$4.37 €3.93

-29.52%

Taxi (Normal Tariff) (1km)

$1.11 €1.00

$1.03 €0.92

7.77%

Taxi 1hour Waiting (Normal Tariff)

$8.80 €7.91

$17.05 €15.32

-48.39%

Gasoline (1 liter)

$1.78 €1.60

$2.34 €2.11

-23.93%

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

$38.2K €34.4K

$28.3K €25.4K

35.32%

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

$26.6K €23.9K

$26.8K €24.0K

-0.76%

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

$190 €171

$200 €180

-5.05%

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

$22.50 €20.22

$25.17 €22.62

-10.61%

Internet (50+ Mbps, Unlimited Data)

$31.64 €28.43

$29.65 €26.64

6.71%

Gym Membership (Monthly)

$50.5 €45.38

$50.4 €45.32

0.14%

Tennis Court (1 Hour on Weekend)

$14.55 €13.07

$25.94 €23.30

-43.91%

Cinema Ticket

$8.86 €7.96

$10.52 €9.46

-15.78%

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

$243 €218

$576 €518

-57.85%

International Primary School, 1 Child (Yearly)

$8,090 €7,269

$12.9K €11.6K

-37.43%

Jeans (Levis 501 Or Similar)

$94.0 €84.4

$89.7 €80.6

4.76%

Summer Dress (H&M, Zara, etc)

$39.00 €35.04

$39.57 €35.55

-1.44%

Sport Shoes (Adidas, Nike)

$105 €94.2

$105 €94.7

-0.50%

Men's Leather Business Shoes

$106 €94.8

$124 €111

-14.81%

1-bedroom Apartment, City Center (Monthly)

$681 €612

$740 €665

-8.02%

1-bedroom Apartment, Outside City Center (Monthly)

$526 €473

$643 €578

-18.10%

3-bedroom Apartment, City Center (Monthly)

$1,116 €1,002

$1,305 €1,172

-14.50%

3-bedroom Apartment, Outside City Center (Monthly)

$828 €744

$1,121 €1,007

-26.10%

Buy Apartment in City Center (m2)

$4,155 €3,734

$4,011 €3,604

3.59%

Buy Apartment Outside City Center (m2)

$3,241 €2,912

$3,284 €2,951

-1.32%

Average Monthly Net Salary (After Tax)

$1,224 €1,099

20-Year Fixed Mortgage Interest Rate (Annual %)

4.35

4.48

-2.90%

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

Last update for Hvar: October 26, 2026

Last update for Athens: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Hvar

$526 34.6%

Athens

$643 36.5% 22.1% $116

Groceries & Markets

Hvar

$260 17.1%

Athens

$312 17.7% 20% $52

Monthly Utilities & Internet

Hvar

$244 16%

Athens

$255 14.5% 4.4% $11

Eating Out

Hvar

$210 13.8%

Athens

$272 15.4% 29.4% $62

Clothing & Footwear

Hvar

$155 10.2%

Athens

$161 9.2% 4.4% $6.8

Sport & Entertainment

Hvar

$68 4.5%

Athens

$71 4.1% 4.8% $3.3

Getting Around

Hvar

$59 3.9%

Athens

$45 2.6% 22.9% $13

Cost Breakdown

A one-bedroom apartment in the center runs $681 in Hvar and $740 in Athens. Housing cost is often the main lever when comparing two cities.

Dining out: $73 in Hvar vs $66 in Athens. Groceries flip the comparison at $260 vs $312, with Hvar cheaper for home cooking.

Good to know

🇭🇷 Hvar

🇬🇷 Athens

🕒 Local time

14:49 2:49 PM

15:49 3:49 PM

1 h ahead of Hvar

🌤 Weather

👥 Population

3,979

3,090,508 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

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Between locations

Hvar Athens 840 km ≈ 1 h 30 min nonstop flight

From you

Hvar
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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

Hvar vs Athens: Cost of Living - Frequently Asked Questions

Hvar wins on cost – living expenses run 14% lower than in Athens. Housing and daily spending are where you’ll feel the difference most, making Hvar the obvious pick if budget is a priority.

You’d need roughly $2,283 in Hvar and $2,639 in Athens to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $681 in Hvar versus $740 in Athens. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Athens – a meal for two runs $66 versus $73 in Hvar. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $1,522 per month in Hvar versus $1,759 in Athens – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

Both cities are expensive relative to $1,500. Hvar is the more realistic option, but even there you’ll need to be disciplined with housing, food, and fun money.

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, Hvar and Athens are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.