Cost of Living Comparison Between Islip, NY and Karlovac Cost of Living Comparison Between Islip, NY and Karlovac

Monthly Cost of Living

Monthly costs for one person with rent: $2,756 in Islip, NY versus $1,254 in Karlovac.

Estimated couple costs with rent: $4,101 in Islip, NY versus $1,865 in Karlovac.

Monthly costs for a family of three with rent: $5,447 in Islip, NY versus $2,476 in Karlovac.

Living in Islip, NY is roughly 120% more expensive than in Karlovac, driven mainly by Groceries & Markets.

The two cities straddle the global median: Islip, NY is 106% above, Karlovac is 6% below.

Meal at Budget Restaurant

$24.54 $24.54

$12.65 €11.07

93.99%

Three-Course Dinner for Two, Mid-Range

$111 $111

$46.88 €41.02

136.13%

Fast Food Meal (McDonalds, etc)

$12.43 $12.43

$8.13 €7.11

52.89%

Cappuccino

$4.71 $4.71

$1.99 €1.74

136.68%

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

$2.73 $2.73

$2.44 €2.14

11.89%

Water (0.33 liter bottle)

$1.73 $1.73

$1.38 €1.20

25.36%

Local Beer (0.5 liter draught)

$7.29 $7.29

$2.29 €2.00

218.34%

Imported Beer (0.33 liter bottle)

$8.21 $8.21

$2.26 €1.98

263.27%

Milk (1 liter)

$1.26 $1.26

$1.14 €0.99

10.53%

White Bread (500g)

$4.80 $4.80

$1.17 €1.02

310.26%

Rice (white) (1kg)

$4.90 $4.90

$1.86 €1.63

163.44%

Eggs

$5.23 $5.23

$3.57 €3.13

46.50%

Local Cheese (1kg)

$17.51 $17.51

$9.71 €8.50

80.33%

Chicken Fillets (1kg)

$16.42 $16.42

$11.80 €10.32

39.15%

Beef Round Steak (1kg)

$15.35 $15.35

$14.05 €12.30

9.25%

Apples (1kg)

$6.57 $6.57

$1.78 €1.56

269.10%

Banana (1kg)

$2.31 $2.31

$2.05 €1.80

12.68%

Oranges (1kg)

$2.21 $2.21

$1.76 €1.54

25.57%

Tomato (1kg)

$6.43 $6.43

$2.01 €1.76

219.90%

Potato (1kg)

$2.79 $2.79

$1.64 €1.43

70.12%

Onion (1kg)

$3.94 $3.94

$1.01 €0.89

290.10%

Lettuce (1 head)

$1.50 $1.50

$1.72 €1.50

-12.79%

Water (1.5 liter bottle)

$2.26 $2.26

$1.06 €0.93

113.21%

Cigarettes 20 Pack (Marlboro, Camel)

$15.13 $15.13

$5.62 €4.91

169.22%

Wine (Bottle)

$12.79 $12.79

$7.03 €6.15

81.93%

Local Beer (0.5 liter bottle)

$2.38 $2.38

$1.71 €1.50

39.18%

Imported Beer (0.33 liter bottle)

$3.70 $3.70

$2.67 €2.33

38.58%

One-way Ticket (Public Transport)

$2.03 $2.03

$1.77 €1.55

14.69%

Public Transport Monthly Pass (Regular Price)

$42.29 €37.00

Taxi Start (Normal Tariff)

$3.91 $3.91

$3.04 €2.66

28.62%

Taxi (Normal Tariff) (1km)

$2.03 $2.03

$1.32 €1.16

53.79%

Taxi 1hour Waiting (Normal Tariff)

$42.23 $42.23

$8.72 €7.63

384.29%

Gasoline (1 liter)

$0.89 $0.89

$1.76 €1.54

-49.43%

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

$24.3K $24.3K

$36.6K €32.0K

-33.50%

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

$28.3K $28.3K

$26.3K €23.0K

7.89%

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

$182 $182

$187 €164

-2.71%

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

$60.2 $60.2

$23.15 €20.25

159.91%

Internet (50+ Mbps, Unlimited Data)

$63.1 $63.1

$32.87 €28.76

92.09%

Gym Membership (Monthly)

$42.23 $42.23

$34.33 €30.04

23.01%

Tennis Court (1 Hour on Weekend)

$14.93 €13.06

Cinema Ticket

$15.81 $15.81

$6.42 €5.62

146.26%

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

$3,175 $3,175

$238 €208

1236.84%

International Primary School, 1 Child (Yearly)

$23.6K $23.6K

$1,385 €1,212

1606.73%

Jeans (Levis 501 Or Similar)

$44.15 $44.15

$104 €90.9

-57.51%

Summer Dress (H&M, Zara, etc)

$26.95 $26.95

$34.79 €30.44

-22.54%

Sport Shoes (Adidas, Nike)

$90.8 $90.8

$69.3 €60.7

31.04%

Men's Leather Business Shoes

$130 $130

$74.9 €65.5

73.71%

1-bedroom Apartment, City Center (Monthly)

$2,037 $2,037

$426 €373

377.67%

1-bedroom Apartment, Outside City Center (Monthly)

$1,356 $1,356

$334 €293

305.29%

3-bedroom Apartment, City Center (Monthly)

$2,641 $2,641

$639 €559

313.47%

3-bedroom Apartment, Outside City Center (Monthly)

$2,200 $2,200

$480 €420

358.27%

Buy Apartment in City Center (m2)

$2,897 €2,534

Buy Apartment Outside City Center (m2)

$2,475 €2,166

Average Monthly Net Salary (After Tax)

$4,036 $4,036

$1,387 €1,214

190.91%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.44

4.47

44.07%

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

Last update for Islip, NY: July 13, 2026

Last update for Karlovac: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,037 in Islip, NY and $426 in Karlovac. Housing cost is often the main lever when comparing two cities.

Islip, NY pays 191% 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: $111 in Islip, NY vs $47.00 in Karlovac for a mid-range dinner for two. Groceries echo the gap at $464 vs $268 per month, with Karlovac 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

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

Karlovac is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Monthly Utilities & Internet, Sport & Entertainment. The 120% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 191% higher in Islip, NY, 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: $2,037 in Islip, NY versus $426 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $3,175 in Islip, NY versus $238 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 $47.00 versus $111 in Islip, NY. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,254 in Karlovac versus $2,756 in Islip, NY, a $1,500 budget is realistic in Karlovac but tight or insufficient in Islip, NY. The gap between the two cities makes Karlovac 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, Islip, NY and Karlovac 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 Karlovac gentler on the wallet – expenses run 120% less than in Islip, NY. Beyond cost, consider language, visa policies, and how big the international community is in each city.