Cost of Living Comparison Between Hvar and Zagreb Cost of Living Comparison Between Hvar and Zagreb

Monthly Cost of Living

Monthly costs for one person with rent: $1,552 in Hvar versus $1,725 in Zagreb.

Estimated couple costs with rent: $2,306 in Hvar versus $2,556 in Zagreb.

Monthly costs for a family of three with rent: $3,061 in Hvar versus $3,388 in Zagreb.

Living in Hvar costs roughly 10% less than in Zagreb, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Hvar 16% above, Zagreb 29% above.

Meal at Budget Restaurant

$13.46 €11.48

$11.80 €10.07

14.07%

Three-Course Dinner for Two, Mid-Range

$73.3 €62.5

$69.6 €59.4

5.38%

Fast Food Meal (McDonalds, etc)

$9.02 €7.70

$9.44 €8.05

-4.45%

Cappuccino

$2.50 €2.13

$2.44 €2.08

2.46%

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

$3.26 €2.78

$2.99 €2.55

9.03%

Water (0.33 liter bottle)

$2.27 €1.93

$2.37 €2.02

-4.22%

Local Beer (0.5 liter draught)

$3.57 €3.04

$3.73 €3.18

-4.29%

Imported Beer (0.33 liter bottle)

$4.32 €3.69

$4.72 €4.02

-8.47%

Milk (1 liter)

$1.24 €1.05

$1.30 €1.11

-4.62%

White Bread (500g)

$1.54 €1.31

$1.86 €1.59

-17.20%

Rice (white) (1kg)

$3.05 €2.60

$2.67 €2.27

14.23%

Eggs

$3.70 €3.15

$3.74 €3.19

-1.07%

Local Cheese (1kg)

$10.81 €9.22

$10.84 €9.25

-0.28%

Chicken Fillets (1kg)

$9.49 €8.09

$9.61 €8.20

-1.25%

Beef Round Steak (1kg)

$12.13 €10.35

$12.56 €10.71

-3.42%

Apples (1kg)

$1.70 €1.45

$1.85 €1.58

-8.11%

Banana (1kg)

$1.66 €1.42

$1.74 €1.48

-4.60%

Oranges (1kg)

$1.92 €1.64

$1.98 €1.69

-3.03%

Tomato (1kg)

$2.46 €2.10

$2.97 €2.54

-17.17%

Potato (1kg)

$1.33 €1.13

$1.37 €1.17

-2.92%

Onion (1kg)

$1.32 €1.12

$1.47 €1.25

-10.20%

Lettuce (1 head)

$1.22 €1.04

$1.25 €1.07

-2.40%

Water (1.5 liter bottle)

$1.27 €1.08

$1.31 €1.12

-3.05%

Cigarettes 20 Pack (Marlboro, Camel)

$5.62 €4.80

$5.85 €4.99

-3.93%

Wine (Bottle)

$6.91 €5.89

$8.07 €6.89

-14.37%

Local Beer (0.5 liter bottle)

$1.49 €1.27

$1.84 €1.57

-19.02%

Imported Beer (0.33 liter bottle)

$2.06 €1.76

$2.27 €1.94

-9.25%

One-way Ticket (Public Transport)

$1.74 €1.48

$0.64 €0.54

171.88%

Public Transport Monthly Pass (Regular Price)

$43.66 €37.24

$57.5 €49.02

-24.02%

Taxi Start (Normal Tariff)

$3.01 €2.57

$2.37 €2.02

27.00%

Taxi (Normal Tariff) (1km)

$1.11 €0.95

$1.03 €0.88

7.77%

Taxi 1hour Waiting (Normal Tariff)

$8.95 €7.63

$10.46 €8.92

-14.44%

Gasoline (1 liter)

$1.78 €1.52

$1.77 €1.51

0.56%

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

$38.5K €32.8K

$34.3K €29.3K

12.21%

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

$25.8K €22.0K

$26.0K €22.2K

-0.73%

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

$186 €159

$208 €178

-10.56%

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

$22.42 €19.13

$20.10 €17.15

11.54%

Internet (50+ Mbps, Unlimited Data)

$31.25 €26.66

$32.57 €27.78

-4.05%

Gym Membership (Monthly)

$51.4 €43.81

$49.99 €42.64

2.72%

Tennis Court (1 Hour on Weekend)

$14.81 €12.63

$14.35 €12.24

3.21%

Cinema Ticket

$9.12 €7.78

$9.04 €7.72

0.88%

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

$240 €205

$503 €429

-52.26%

International Primary School, 1 Child (Yearly)

$7,968 €6,797

$13.0K €11.1K

-38.68%

Jeans (Levis 501 Or Similar)

$91.2 €77.8

$101 €86.1

-9.70%

Summer Dress (H&M, Zara, etc)

$39.26 €33.49

$40.78 €34.78

-3.73%

Sport Shoes (Adidas, Nike)

$103 €87.8

$95.8 €81.7

7.41%

Men's Leather Business Shoes

$105 €89.5

$117 €99.7

-10.23%

1-bedroom Apartment, City Center (Monthly)

$687 €586

$863 €736

-20.40%

1-bedroom Apartment, Outside City Center (Monthly)

$526 €448

$666 €568

-21.07%

3-bedroom Apartment, City Center (Monthly)

$1,105 €942

$1,513 €1,291

-27.00%

3-bedroom Apartment, Outside City Center (Monthly)

$849 €724

$1,061 €905

-19.93%

Buy Apartment in City Center (m2)

$4,109 €3,505

$5,525 €4,713

-25.63%

Buy Apartment Outside City Center (m2)

$3,317 €2,830

$3,446 €2,940

-3.75%

Average Monthly Net Salary (After Tax)

$1,928 €1,645

20-Year Fixed Mortgage Interest Rate (Annual %)

4.35

3.72

16.94%

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

Last update for Hvar: April 26, 2026

Last update for Zagreb: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $687 in Hvar and $863 in Zagreb. Housing cost is often the main lever when comparing two cities.

Dining out: $73 in Hvar vs $70 in Zagreb. Groceries flip the comparison at $262 vs $276, with Hvar 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

Hvar vs Zagreb: Cost of Living - Frequently Asked Questions

Hvar is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Getting Around. The 11% gap adds up to real monthly savings that compound significantly over time.

You'd need roughly $2,328 in Hvar and $2,587 in Zagreb 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: $687 in Hvar versus $863 in Zagreb. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Hvar – a meal for two runs $73.0 versus $70.0 in Zagreb. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,552 per month in Hvar versus $1,725 in Zagreb – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,552 in Hvar versus $1,725 in Zagreb, a $1,500 budget is realistic in Hvar but tight or insufficient in Zagreb. The gap between the two cities makes Hvar the clear choice for anyone on this budget.

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

Safety-wise, Hvar and Zagreb 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 Hvar gentler on the wallet – expenses run 11% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.