Last update: Oct 2026

Cost of Living Comparison Between Islip, NY and Karlovac

For one person, living costs are similar in Islip, NY and in Karlovac: $1,259 and $1,222 a month, rent and utilities included.

61

Cost of Living Index in Islip, NY
Learn more

Islip, NY Living Index
59

Cost of Living Index in Karlovac
Learn more

Karlovac Living Index

Jump to prices

Islip, NY

🇺🇸 United States

$1,259

/mo nomad

Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Monthly Cost of Living

How much you'll spend in Islip, NY and in Karlovac

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

Monthly costs for one person with rent: $1,259 in Islip, NY versus $1,222 in Karlovac.

Islip, NY $1,259
Karlovac $1,222

Estimated couple costs with rent: $2,207 in Islip, NY versus $1,821 in Karlovac.

Islip, NY $2,207
Karlovac $1,821

Monthly costs for a family of three with rent: $3,154 in Islip, NY versus $2,419 in Karlovac.

Islip, NY $3,154
Karlovac $2,419

Living in Islip, NY is roughly 3% more expensive than in Karlovac, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Islip, NY 7% lower, Karlovac 10% lower.

Meal at Budget Restaurant

$26.10 $26.10

$11.20 €10.06

133.04%

Three-Course Dinner for Two, Mid-Range

$122 $122

$44.46 €39.94

174.85%

Fast Food Meal (McDonalds, etc)

$14.05 $14.05

$7.61 €6.84

84.63%

Cappuccino

$5.14 $5.14

$1.96 €1.76

162.24%

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

$2.85 $2.85

$2.45 €2.20

16.33%

Water (0.33 liter bottle)

$2.28 $2.28

$1.61 €1.45

41.61%

Local Beer (0.5 liter draught)

$7.77 $7.77

$2.43 €2.19

219.75%

Imported Beer (0.33 liter bottle)

$10.17 $10.17

$2.46 €2.21

313.41%

Milk (1 liter)

$1.39 $1.39

$1.13 €1.02

23.01%

White Bread (500g)

$4.54 $4.54

$1.13 €1.02

301.77%

Rice (white) (1kg)

$4.05 $4.05

$1.53 €1.38

164.71%

Eggs

$5.02 $5.02

$3.16 €2.84

58.86%

Local Cheese (1kg)

$18.69 $18.69

$9.05 €8.13

106.52%

Chicken Fillets (1kg)

$17.41 $17.41

$9.86 €8.86

76.57%

Beef Round Steak (1kg)

$16.45 $16.45

$12.02 €10.80

36.86%

Apples (1kg)

$4.47 $4.47

$1.97 €1.77

126.90%

Banana (1kg)

$1.29 $1.29

$1.84 €1.66

-29.89%

Oranges (1kg)

$2.17 $2.17

$1.83 €1.64

18.58%

Tomato (1kg)

$2.91 $2.91

$2.01 €1.81

44.78%

Potato (1kg)

$1.78 $1.78

$1.38 €1.24

28.99%

Onion (1kg)

$2.17 $2.17

$1.06 €0.95

104.72%

Lettuce (1 head)

$1.53 $1.53

$1.63 €1.46

-6.13%

Water (1.5 liter bottle)

$1.10 $1.10

$1.17 €1.05

-5.98%

Cigarettes 20 Pack (Marlboro, Camel)

$14.94 $14.94

$5.69 €5.11

162.57%

Wine (Bottle)

$12.96 $12.96

$6.67 €5.99

94.30%

Local Beer (0.5 liter bottle)

$2.35 $2.35

$1.61 €1.45

45.96%

Imported Beer (0.33 liter bottle)

$3.76 $3.76

$2.31 €2.07

62.77%

One-way Ticket (Public Transport)

$4.37 $4.37

$3.33 €2.99

31.23%

Taxi Start (Normal Tariff)

$2.98 $2.98

$5.66 €5.09

-47.35%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.09 €0.98

101.83%

Taxi 1hour Waiting (Normal Tariff)

$41.26 $41.26

Gasoline (1 liter)

$1.17 $1.17

$1.69 €1.52

-30.77%

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

$27.9K $27.9K

$26.3K €23.6K

6.18%

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

$26.7K $26.7K

$24.7K €22.2K

7.94%

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

$80.2 $80.2

$178 €160

-55.08%

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

$71.2 $71.2

$27.68 €24.86

157.08%

Internet (50+ Mbps, Unlimited Data)

$69.8 $69.8

$38.87 €34.91

79.55%

Gym Membership (Monthly)

$59.6 $59.6

$38.63 €34.70

54.34%

Tennis Court (1 Hour on Weekend)

$18.24 €16.39

Cinema Ticket

$15.83 $15.83

$6.55 €5.88

141.68%

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

$3,537 $3,537

$427 €384

727.96%

International Primary School, 1 Child (Yearly)

$61.6K $61.6K

$6,876 €6,176

795.74%

Jeans (Levis 501 Or Similar)

$44.55 $44.55

$89.3 €80.2

-50.09%

Summer Dress (H&M, Zara, etc)

$27.92 $27.92

$49.51 €44.47

-43.61%

Sport Shoes (Adidas, Nike)

$75.0 $75.0

$88.8 €79.8

-15.58%

Men's Leather Business Shoes

$91.4 $91.4

$78.3 €70.3

16.77%

1-bedroom Apartment, City Center (Monthly)

$1,989 $1,989

$478 €429

316.27%

1-bedroom Apartment, Outside City Center (Monthly)

$349 €313

3-bedroom Apartment, City Center (Monthly)

$3,382 $3,382

$733 €659

361.35%

3-bedroom Apartment, Outside City Center (Monthly)

$530 €477

Buy Apartment in City Center (m2)

$2,746 €2,467

Buy Apartment Outside City Center (m2)

$2,382 €2,139

Average Monthly Net Salary (After Tax)

$3,975 $3,975

$1,399 €1,257

184.09%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.63

3.72

78.23%

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

Last update for Islip, NY: October 26, 2026

Last update for Karlovac: October 27, 2026

Monthly budget structure

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

Groceries & Markets

Islip, NY

$416 33%

Karlovac

$245 20.1% 41% $170

Eating Out

Islip, NY

$392 31.2%

Karlovac

$169 13.9% 56.8% $223

Monthly Utilities & Internet

Islip, NY

$221 17.6%

Karlovac

$245 20.1% 10.8% $24

Clothing & Footwear

Islip, NY

$107 8.5%

Karlovac

$138 11.3% 28% $30

Sport & Entertainment

Islip, NY

$91 7.3%

Karlovac

$52 4.2% 43.3% $40

Getting Around

Islip, NY

$31 * 2.5%

Karlovac

$24 * 2% 22.4% $7

Accommodation & Living

Islip, NY

- * 0%

Karlovac

$349 28.5%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $1,989 in Islip, NY and $478 in Karlovac. Housing cost is often the main lever when comparing two cities.

Islip, NY pays about 2.8 times more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $122 in Islip, NY vs $44 in Karlovac for a mid-range dinner for two. Groceries echo the gap at $416 vs $245 per month, with Karlovac cheaper across the board.

Good to know

🇺🇸 Islip, NY

🇭🇷 Karlovac

🕒 Local time

09:19 9:19 AM

14:19 2:19 PM

5 h ahead of Islip, NY

🌤 Weather

👥 Population

339,938

41,869

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.899 EUR

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Islip, NY Karlovac 6,840 km ≈ 9 h nonstop flight

From you

Islip, NY
Karlovac

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

Islip, NY vs Karlovac: Cost of Living - Frequently Asked Questions

Karlovac is cheaper overall, especially in eating out, groceries, and utilities. The 3% gap adds up to real monthly savings that compound significantly over time.

Average pay in Islip, NY is about 2.8 times higher, 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: $1,989 in Islip, NY versus $478 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,537 in Islip, NY versus $427 in Karlovac. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Karlovac – a meal for two runs $44 versus $122 in Islip, NY. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $1,500 a month, though Karlovac gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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.

It comes down to priorities – Karlovac wins on affordability, Islip, NY on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.