Last update: Oct 2026

Cost of Living Comparison Between Kozani and Setubal

For one person, living is cheaper in Kozani: $1,284 a month against $1,634 in Setubal, rent and utilities included – about $4,200 less a year. Higher rent and utilities in Setubal outweigh lower spending on other living expenses.

63

Cost of Living Index in Kozani
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Kozani Living Index
80

Cost of Living Index in Setubal
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Setubal Living Index

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Kozani

🇬🇷 Greece

$1,284

/mo nomad

Setubal

🇵🇹 Portugal

$1,634

/mo nomad

Monthly Cost of Living

How much you'll spend in Kozani and in Setubal

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

A single person spends $1,284 per month in Kozani vs $1,634 in Setubal, rent included.

Kozani $1,284
Setubal $1,634

A couple spends around $1,879 per month in Kozani vs $2,343 in Setubal, rent included.

Kozani $1,879
Setubal $2,343

A family of three spends $2,474 per month in Kozani vs $3,052 in Setubal, rent included.

Kozani $2,474
Setubal $3,052

Kozani is about 21% cheaper than Setubal, and outside of rent the biggest gap is in groceries.

Kozani sits 5% below the global median, while Setubal is 21% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.21 €9.97

$12.33 €10.97

-9.08%

Three-Course Dinner for Two, Mid-Range

$44.18 €39.30

$47.13 €41.92

-6.26%

Fast Food Meal (McDonalds, etc)

$10.96 €9.74

$9.15 €8.14

19.78%

Cappuccino

$2.84 €2.53

$2.01 €1.79

41.29%

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

$1.64 €1.45

$2.03 €1.81

-19.21%

Water (0.33 liter bottle)

$0.54 €0.48

$1.52 €1.35

-64.47%

Local Beer (0.5 liter draught)

$4.56 €4.05

$2.19 €1.95

108.22%

Imported Beer (0.33 liter bottle)

$4.84 €4.31

$3.31 €2.94

46.22%

Milk (1 liter)

$1.64 €1.46

$1.06 €0.95

54.72%

White Bread (500g)

$1.71 €1.52

$1.48 €1.32

15.54%

Rice (white) (1kg)

$1.94 €1.72

$1.70 €1.51

14.12%

Eggs

$3.33 €2.96

$3.26 €2.90

2.15%

Local Cheese (1kg)

$13.16 €11.70

$11.73 €10.43

12.19%

Chicken Fillets (1kg)

$8.38 €7.46

$7.43 €6.61

12.79%

Beef Round Steak (1kg)

$12.61 €11.21

$14.71 €13.08

-14.28%

Apples (1kg)

$1.65 €1.47

$2.31 €2.05

-28.57%

Banana (1kg)

$1.64 €1.46

$1.37 €1.22

19.71%

Oranges (1kg)

$1.54 €1.37

$1.76 €1.57

-12.50%

Tomato (1kg)

$1.62 €1.44

$2.79 €2.48

-41.94%

Potato (1kg)

$1.01 €0.90

$1.64 €1.46

-38.41%

Onion (1kg)

$0.85 €0.75

$2.02 €1.80

-57.92%

Lettuce (1 head)

$1.27 €1.13

$1.48 €1.32

-14.19%

Water (1.5 liter bottle)

$0.89 €0.79

$0.72 €0.64

23.61%

Cigarettes 20 Pack (Marlboro, Camel)

$5.12 €4.55

$5.68 €5.05

-9.86%

Wine (Bottle)

$8.81 €7.83

$4.35 €3.87

102.53%

Local Beer (0.5 liter bottle)

$1.99 €1.77

$0.92 €0.82

116.30%

Imported Beer (0.33 liter bottle)

$3.13 €2.79

$2.17 €1.93

44.24%

One-way Ticket (Public Transport)

$1.65 €1.47

$4.33 €3.85

-61.89%

Public Transport Monthly Pass (Regular Price)

$41.77 €37.16

$45.52 €40.49

-8.24%

Taxi Start (Normal Tariff)

$4.15 €3.69

$3.70 €3.29

12.16%

Taxi (Normal Tariff) (1km)

$1.11 €0.98

$1.36 €1.21

-18.38%

Taxi 1hour Waiting (Normal Tariff)

$16.64 €14.80

$14.10 €12.54

18.01%

Gasoline (1 liter)

$1.97 €1.75

$2.12 €1.89

-7.08%

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

$28.3K €25.2K

$33.9K €30.1K

-16.50%

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

$31.1K €27.7K

$37.8K €33.6K

-17.64%

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

$217 €193

$100 €89.2

115.99%

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

$23.22 €20.66

$20.39 €18.14

13.88%

Internet (50+ Mbps, Unlimited Data)

$29.90 €26.60

$32.54 €28.95

-8.11%

Gym Membership (Monthly)

$43.48 €38.68

$30.94 €27.52

40.53%

Tennis Court (1 Hour on Weekend)

$23.90 €21.26

$15.90 €14.15

50.31%

Cinema Ticket

$8.70 €7.73

$7.95 €7.08

9.43%

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

$401 €357

$575 €511

-30.20%

International Primary School, 1 Child (Yearly)

$9,068 €8,066

$10.6K €9,430

-14.46%

Jeans (Levis 501 Or Similar)

$84.6 €75.2

$66.8 €59.4

26.64%

Summer Dress (H&M, Zara, etc)

$45.09 €40.10

$37.46 €33.32

20.37%

Sport Shoes (Adidas, Nike)

$82.5 €73.4

$70.3 €62.5

17.36%

Men's Leather Business Shoes

$61.2 €54.5

$94.9 €84.5

-35.50%

1-bedroom Apartment, City Center (Monthly)

$387 €344

$993 €884

-61.07%

1-bedroom Apartment, Outside City Center (Monthly)

$314 €280

$814 €724

-61.37%

3-bedroom Apartment, City Center (Monthly)

$511 €454

$1,586 €1,411

-67.80%

3-bedroom Apartment, Outside City Center (Monthly)

$428 €380

$1,159 €1,031

-63.09%

Buy Apartment in City Center (m2)

$2,180 €1,939

$4,100 €3,647

-46.83%

Buy Apartment Outside City Center (m2)

$1,867 €1,661

$2,343 €2,084

-20.32%

Average Monthly Net Salary (After Tax)

$1,086 €966

$1,246 €1,109

-12.89%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.26

3.85

10.65%

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

Last update for Kozani: October 11, 2026

Last update for Setubal: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Kozani

$314 24.5%

Setubal

$814 49.8% 159% $499

Monthly Utilities & Internet

Kozani

$270 21%

Setubal

$153 9.4% 43.2% $117

Groceries & Markets

Kozani

$260 20.3%

Setubal

$244 14.9% 6.4% $17

Eating Out

Kozani

$198 15.4%

Setubal

$182 11.1% 8% $16

Clothing & Footwear

Kozani

$123 9.6%

Setubal

$121 7.4% 1.4% $1.8

Sport & Entertainment

Kozani

$61 4.7%

Setubal

$47 2.9% 23% $14

Getting Around

Kozani

$58 4.5%

Setubal

$73 4.5% 26.3% $15

Cost Breakdown

A central one-bedroom costs $387 in Kozani versus $993 in Setubal. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 15% higher in Setubal, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $44.00 in Kozani versus $47.00 in Setubal. Groceries tell a different story – $260 in Kozani vs $244 in Setubal – so Setubal wins on supermarket bills even if dining out costs more.

Good to know

🇬🇷 Kozani

🇵🇹 Setubal

🕒 Local time

13:24 1:24 PM

11:24 11:24 AM

2 h behind Kozani

🌤 Weather

👥 Population

35,242

123,519

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Kozani Setubal 2,630 km ≈ 3 h 45 min nonstop flight

From you

Kozani
Setubal

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

Kozani vs Setubal: Cost of Living - Frequently Asked Questions

Setubal costs about 27% more than Kozani, and outside of rent the gap comes mainly from groceries. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $1,927 per month in Kozani and $2,451 in Setubal. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Kozani, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Kindergarten costs $401 per month in Kozani and $575 in Setubal. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Interestingly, groceries are about 7% cheaper in Setubal – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $1,000 monthly budget goes further in Kozani, where all-in costs run around $1,284, than in Setubal at $1,634. In Kozani it covers expenses comfortably, while in Setubal it requires careful planning or may not stretch far enough.

Families tend to lean toward Kozani – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Kozani. If higher salaries, better infrastructure, or specific career opportunities are the priority, Setubal makes more sense. Both are solid long-term options with distinct trade-offs.