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: $1,056 in Islip, NY versus $1,297 in Karlovac.

Estimated couple costs with rent: $1,685 in Islip, NY versus $1,905 in Karlovac.

Monthly costs for a family of three with rent: $2,314 in Islip, NY versus $2,513 in Karlovac.

Living in Islip, NY costs roughly 19% less than in Karlovac, driven mainly by Eating Out.

Both cities sit below the global median: Islip, NY 23% lower, Karlovac 6% lower.

Meal at Budget Restaurant

$19.64 $19.64

$11.60 €10.00

69.31%

Three-Course Dinner for Two, Mid-Range

$58.9 $58.9

$46.04 €39.69

27.89%

Fast Food Meal (McDonalds, etc)

$11.21 $11.21

$8.07 €6.95

38.91%

Cappuccino

$3.94 $3.94

$2.11 €1.82

86.73%

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

$2.03 $2.03

$2.50 €2.16

-18.80%

Water (0.33 liter bottle)

$1.54 $1.54

$1.75 €1.51

-12.00%

Local Beer (0.5 liter draught)

$8.18 $8.18

$2.51 €2.16

225.90%

Imported Beer (0.33 liter bottle)

$7.92 $7.92

$2.67 €2.30

196.63%

Milk (1 liter)

$0.75 $0.75

$1.18 €1.02

-36.44%

White Bread (500g)

$2.69 $2.69

$1.21 €1.05

122.31%

Rice (white) (1kg)

$4.22 $4.22

$1.61 €1.39

162.11%

Eggs

$2.23 $2.23

$3.29 €2.84

-32.22%

Local Cheese (1kg)

$12.32 $12.32

$9.91 €8.54

24.32%

Chicken Fillets (1kg)

$6.16 $6.16

$9.95 €8.57

-38.09%

Beef Round Steak (1kg)

$11.11 $11.11

$12.48 €10.76

-10.98%

Apples (1kg)

$4.36 $4.36

$1.99 €1.72

119.10%

Banana (1kg)

$1.29 $1.29

$2.03 €1.75

-36.45%

Oranges (1kg)

$2.13 $2.13

$1.97 €1.70

8.12%

Tomato (1kg)

$2.78 $2.78

$2.17 €1.87

28.11%

Potato (1kg)

$1.72 $1.72

$1.45 €1.25

18.62%

Onion (1kg)

$2.24 $2.24

$1.06 €0.92

111.32%

Lettuce (1 head)

$1.49 $1.49

$1.78 €1.53

-16.29%

Water (1.5 liter bottle)

$1.06 $1.06

$1.25 €1.08

-15.20%

Cigarettes 20 Pack (Marlboro, Camel)

$11.28 $11.28

$5.90 €5.08

91.19%

Wine (Bottle)

$12.78 $12.78

$6.80 €5.86

87.94%

Local Beer (0.5 liter bottle)

$1.71 $1.71

$1.69 €1.46

1.18%

Imported Beer (0.33 liter bottle)

$5.49 $5.49

$2.39 €2.06

129.71%

One-way Ticket (Public Transport)

$4.46 $4.46

$3.50 €3.02

27.43%

Taxi Start (Normal Tariff)

$3.08 $3.08

$5.86 €5.05

-47.44%

Taxi (Normal Tariff) (1km)

$2.00 $2.00

$1.17 €1.01

70.94%

Taxi 1hour Waiting (Normal Tariff)

$23.74 $23.74

Gasoline (1 liter)

$1.01 $1.01

$1.71 €1.47

-40.94%

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

$37.3K $37.3K

$27.4K €23.6K

36.21%

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

$25.4K $25.4K

$25.6K €22.1K

-0.95%

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

$79.9 $79.9

$187 €161

-57.19%

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

$70.6 $70.6

$28.66 €24.71

146.16%

Internet (50+ Mbps, Unlimited Data)

$67.4 $67.4

$40.60 €35.00

65.91%

Gym Membership (Monthly)

$58.3 $58.3

$39.02 €33.63

49.38%

Tennis Court (1 Hour on Weekend)

$19.37 €16.70

Cinema Ticket

$14.37 $14.37

$7.05 €6.07

103.83%

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

$2,290 $2,290

$440 €379

420.59%

International Primary School, 1 Child (Yearly)

$23.7K $23.7K

$7,185 €6,193

229.61%

Jeans (Levis 501 Or Similar)

$41.72 $41.72

$91.5 €78.9

-54.42%

Summer Dress (H&M, Zara, etc)

$27.08 $27.08

$52.5 €45.21

-48.37%

Sport Shoes (Adidas, Nike)

$72.4 $72.4

$92.2 €79.5

-21.44%

Men's Leather Business Shoes

$90.2 $90.2

$81.1 €69.9

11.21%

1-bedroom Apartment, City Center (Monthly)

$2,015 $2,015

$513 €442

292.47%

1-bedroom Apartment, Outside City Center (Monthly)

$365 €315

3-bedroom Apartment, City Center (Monthly)

$3,406 $3,406

$769 €663

342.77%

3-bedroom Apartment, Outside City Center (Monthly)

$542 €467

Buy Apartment in City Center (m2)

$2,883 €2,485

Buy Apartment Outside City Center (m2)

$2,489 €2,145

Average Monthly Net Salary (After Tax)

$3,940 $3,940

$1,402 €1,208

181.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.17

3.72

65.86%

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

Last update for Islip, NY: September 7, 2026

Last update for Karlovac: September 7, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $2,015 in Islip, NY and $513 in Karlovac. Housing cost is often the main lever when comparing two cities.

Islip, NY pays 181% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $59.0 in Islip, NY vs $46.00 in Karlovac for a mid-range dinner for two. Groceries echo the gap at $287 vs $257 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

Islip, NY is cheaper overall, especially in Clothing & Footwear. The 23% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 181% 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: $2,015 in Islip, NY versus $513 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $2,290 in Islip, NY versus $440 in Karlovac. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Islip, NY – a meal for two runs $59.0 versus $46.00 in Karlovac. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,056 in Islip, NY versus $1,297 in Karlovac, a $1,500 budget is realistic in Islip, NY but tight or insufficient in Karlovac. The gap between the two cities makes Islip, NY 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 Islip, NY gentler on the wallet – expenses run 23% less than in Karlovac. Beyond cost, consider language, visa policies, and how big the international community is in each city.