Last update: Oct 2026

Cost of Living Comparison Between Karlovac and Austin, TX

For one person, living is cheaper in Karlovac: $1,222 a month against $2,663 in Austin, TX, rent and utilities included – about $17,300 less a year. Rent and utilities account for most of the difference.

60

Cost of Living Index in Karlovac
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Karlovac Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Karlovac and in Austin, TX

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

Monthly costs for one person with rent: $1,222 in Karlovac versus $2,663 in Austin, TX.

Karlovac $1,222
Austin, TX $2,663

Estimated couple costs with rent: $1,813 in Karlovac versus $4,133 in Austin, TX.

Karlovac $1,813
Austin, TX $4,133

Monthly costs for a family of three with rent: $2,404 in Karlovac versus $5,603 in Austin, TX.

Karlovac $2,404
Austin, TX $5,603

Living in Karlovac costs roughly 54% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Karlovac is 9% below, Austin, TX is 97% above.

Meal at Budget Restaurant

$11.05 €9.83

$20.77 $20.77

-46.80%

Three-Course Dinner for Two, Mid-Range

$44.01 €39.15

$84.6 $84.6

-47.97%

Fast Food Meal (McDonalds, etc)

$7.86 €6.99

$12.32 $12.32

-36.20%

Cappuccino

$1.98 €1.76

$5.63 $5.63

-64.83%

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

$2.43 €2.16

$3.72 $3.72

-34.68%

Water (0.33 liter bottle)

$1.60 €1.42

$2.50 $2.50

-36.00%

Local Beer (0.5 liter draught)

$2.51 €2.23

$8.05 $8.05

-68.82%

Imported Beer (0.33 liter bottle)

$2.53 €2.25

$9.01 $9.01

-71.92%

Milk (1 liter)

$1.13 €1.00

$1.12 $1.12

0.89%

White Bread (500g)

$1.16 €1.03

$3.75 $3.75

-69.07%

Rice (white) (1kg)

$1.55 €1.38

$3.26 $3.26

-52.45%

Eggs

$3.14 €2.79

$4.17 $4.17

-24.70%

Local Cheese (1kg)

$9.27 €8.25

$12.90 $12.90

-28.14%

Chicken Fillets (1kg)

$9.70 €8.62

$14.16 $14.16

-31.50%

Beef Round Steak (1kg)

$12.01 €10.68

$16.22 $16.22

-25.96%

Apples (1kg)

$1.98 €1.76

$4.33 $4.33

-54.27%

Banana (1kg)

$1.86 €1.65

$1.46 $1.46

27.40%

Oranges (1kg)

$1.84 €1.64

$4.51 $4.51

-59.20%

Tomato (1kg)

$2.03 €1.81

$4.34 $4.34

-53.23%

Potato (1kg)

$1.44 €1.28

$2.58 $2.58

-44.19%

Onion (1kg)

$1.07 €0.95

$2.35 $2.35

-54.47%

Lettuce (1 head)

$1.68 €1.50

$1.78 $1.78

-5.62%

Water (1.5 liter bottle)

$1.16 €1.03

$2.22 $2.22

-47.75%

Cigarettes 20 Pack (Marlboro, Camel)

$5.42 €4.82

$9.88 $9.88

-45.14%

Wine (Bottle)

$6.81 €6.06

$15.08 $15.08

-54.84%

Local Beer (0.5 liter bottle)

$1.62 €1.44

$2.92 $2.92

-44.52%

Imported Beer (0.33 liter bottle)

$2.19 €1.95

$3.46 $3.46

-36.71%

One-way Ticket (Public Transport)

$3.37 €2.99

$1.49 $1.49

126.17%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

Taxi Start (Normal Tariff)

$5.56 €4.94

$2.73 $2.73

103.66%

Taxi (Normal Tariff) (1km)

$1.13 €1.01

$1.66 $1.66

-31.93%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

Gasoline (1 liter)

$1.75 €1.56

$0.95 $0.95

84.21%

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

$25.9K €23.0K

$36.0K $36.0K

-28.18%

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

$24.7K €22.0K

$27.1K $27.1K

-8.60%

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

$178 €159

$229 $229

-22.11%

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

$26.88 €23.91

$59.4 $59.4

-54.74%

Internet (50+ Mbps, Unlimited Data)

$39.18 €34.85

$69.9 $69.9

-43.96%

Gym Membership (Monthly)

$37.71 €33.55

$57.2 $57.2

-34.12%

Tennis Court (1 Hour on Weekend)

$18.68 €16.61

$16.33 $16.33

14.39%

Cinema Ticket

$6.65 €5.91

$14.28 $14.28

-53.43%

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

$421 €375

$1,506 $1,506

-72.02%

International Primary School, 1 Child (Yearly)

$6,713 €5,971

$21.5K $21.5K

-68.71%

Jeans (Levis 501 Or Similar)

$87.9 €78.2

$52.8 $52.8

66.52%

Summer Dress (H&M, Zara, etc)

$50.9 €45.28

$43.82 $43.82

16.18%

Sport Shoes (Adidas, Nike)

$87.6 €77.9

$84.8 $84.8

3.31%

Men's Leather Business Shoes

$77.3 €68.7

$103 $103

-25.00%

1-bedroom Apartment, City Center (Monthly)

$487 €433

$1,907 $1,907

-74.47%

1-bedroom Apartment, Outside City Center (Monthly)

$350 €311

$1,274 $1,274

-72.52%

3-bedroom Apartment, City Center (Monthly)

$714 €635

$3,664 $3,664

-80.53%

3-bedroom Apartment, Outside City Center (Monthly)

$521 €463

$2,538 $2,538

-79.47%

Buy Apartment in City Center (m2)

$2,765 €2,460

$7,614 $7,614

-63.68%

Buy Apartment Outside City Center (m2)

$2,459 €2,188

$3,157 $3,157

-22.10%

Average Monthly Net Salary (After Tax)

$1,392 €1,238

$5,121 $5,121

-72.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

6.79

-45.21%

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

Last update for Karlovac: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Karlovac

$350 28.7%

Austin, TX

$1.3K 47.8% 264% $924

Groceries & Markets

Karlovac

$246 20.1%

Austin, TX

$405 15.2% 64.7% $159

Monthly Utilities & Internet

Karlovac

$244 20%

Austin, TX

$358 13.5% 46.6% $114

Eating Out

Karlovac

$169 13.9%

Austin, TX

$354 13.3% 109% $184

Clothing & Footwear

Karlovac

$137 11.2%

Austin, TX

$128 4.8% 6.4% $8.7

Sport & Entertainment

Karlovac

$51 4.2%

Austin, TX

$86 3.2% 68.2% $35

Getting Around

Karlovac

$25 * 2%

Austin, TX

$59 2.2% 138% $34

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 $487 in Karlovac and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 268% 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: $44.00 in Karlovac vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $246 vs $405 per month, with Karlovac cheaper across the board.

Good to know

🇭🇷 Karlovac

🇺🇸 Austin, TX

🕒 Local time

00:15 12:15 AM

17:15 5:15 PM

7 h behind Karlovac

🌤 Weather

👥 Population

41,869

974,447

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.89 EUR

Exchange rates and currency converter

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Karlovac Austin, TX 9,240 km ≈ 12 h nonstop flight

From you

Karlovac
Austin, TX

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

Karlovac vs Austin, TX: Cost of Living - Frequently Asked Questions

Karlovac wins on cost – living expenses run 118% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Karlovac the obvious pick if budget is a priority.

On paper, salaries run 268% lower in Austin, TX. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $487 in Karlovac versus $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $421 in Karlovac versus $1,506 in Austin, TX. 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 $44.00 versus $85.0 in Austin, TX. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,222 in Karlovac versus $2,663 in Austin, TX, a $1,500 budget is realistic in Karlovac but tight or insufficient in Austin, TX. 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, Karlovac and Austin, TX 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 118% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.