Last update: Oct 2026

Cost of Living Comparison Between London and Karlovac

For one person, living is cheaper in Karlovac: $1,222 a month against $3,986 in London, rent and utilities included – about $33,200 less a year. Rent and utilities account for most of the difference.

194

Cost of Living Index in London
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London Living Index
60

Cost of Living Index in Karlovac
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Karlovac Living Index

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London

🇬🇧 United Kingdom

$3,986

/mo nomad

Karlovac

🇭🇷 Croatia

$1,222

/mo nomad

Monthly Cost of Living

How much you'll spend in London 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 London and in Karlovac actually costs, broken down by who's living it.

Monthly costs for one person with rent: $3,986 in London versus $1,222 in Karlovac.

London $3,986
Karlovac $1,222

Estimated couple costs with rent: $5,791 in London versus $1,813 in Karlovac.

London $5,791
Karlovac $1,813

Monthly costs for a family of three with rent: $7,595 in London versus $2,404 in Karlovac.

London $7,595
Karlovac $2,404

Living in London is roughly 226% more expensive than in Karlovac, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: London is 195% above, Karlovac is 9% below.

Meal at Budget Restaurant

$25.93 £19.45

$11.05 €9.83

134.66%

Three-Course Dinner for Two, Mid-Range

$107 £79.9

$44.01 €39.15

141.99%

Fast Food Meal (McDonalds, etc)

$10.71 £8.03

$7.86 €6.99

36.26%

Cappuccino

$5.47 £4.11

$1.98 €1.76

176.26%

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

$2.97 £2.23

$2.43 €2.16

22.22%

Water (0.33 liter bottle)

$2.20 £1.65

$1.60 €1.42

37.50%

Local Beer (0.5 liter draught)

$9.13 £6.85

$2.51 €2.23

263.75%

Imported Beer (0.33 liter bottle)

$7.94 £5.96

$2.53 €2.25

213.83%

Milk (1 liter)

$1.86 £1.40

$1.13 €1.00

64.60%

White Bread (500g)

$2.07 £1.55

$1.16 €1.03

78.45%

Rice (white) (1kg)

$2.42 £1.81

$1.55 €1.38

56.13%

Eggs

$5.09 £3.82

$3.14 €2.79

62.10%

Local Cheese (1kg)

$12.87 £9.66

$9.27 €8.25

38.83%

Chicken Fillets (1kg)

$10.43 £7.82

$9.70 €8.62

7.53%

Beef Round Steak (1kg)

$16.87 £12.66

$12.01 €10.68

40.47%

Apples (1kg)

$3.11 £2.33

$1.98 €1.76

57.07%

Banana (1kg)

$1.40 £1.05

$1.86 €1.65

-24.73%

Oranges (1kg)

$3.08 £2.31

$1.84 €1.64

67.39%

Tomato (1kg)

$3.27 £2.45

$2.03 €1.81

61.08%

Potato (1kg)

$1.58 £1.19

$1.44 €1.28

9.72%

Onion (1kg)

$1.74 £1.31

$1.07 €0.95

62.62%

Lettuce (1 head)

$1.40 £1.05

$1.68 €1.50

-16.67%

Water (1.5 liter bottle)

$1.80 £1.35

$1.16 €1.03

55.17%

Cigarettes 20 Pack (Marlboro, Camel)

$23.28 £17.46

$5.42 €4.82

329.52%

Wine (Bottle)

$13.03 £9.77

$6.81 €6.06

91.34%

Local Beer (0.5 liter bottle)

$3.17 £2.38

$1.62 €1.44

95.68%

Imported Beer (0.33 liter bottle)

$4.42 £3.32

$2.19 €1.95

101.83%

One-way Ticket (Public Transport)

$4.07 £3.05

$3.37 €2.99

20.77%

Public Transport Monthly Pass (Regular Price)

$247 £185

Taxi Start (Normal Tariff)

$5.58 £4.18

$5.56 €4.94

0.36%

Taxi (Normal Tariff) (1km)

$3.36 £2.52

$1.13 €1.01

197.35%

Taxi 1hour Waiting (Normal Tariff)

$56.8 £42.57

Gasoline (1 liter)

$2.13 £1.60

$1.75 €1.56

21.71%

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

$38.2K £28.6K

$25.9K €23.0K

47.51%

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

$40.9K £30.7K

$24.7K €22.0K

65.28%

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

$372 £279

$178 €159

108.64%

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

$17.82 £13.37

$26.88 €23.91

-33.71%

Internet (50+ Mbps, Unlimited Data)

$40.37 £30.29

$39.18 €34.85

3.04%

Gym Membership (Monthly)

$60.0 £44.99

$37.71 €33.55

59.03%

Tennis Court (1 Hour on Weekend)

$21.29 £15.97

$18.68 €16.61

13.97%

Cinema Ticket

$17.74 £13.31

$6.65 €5.91

166.77%

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

$2,864 £2,149

$421 €375

579.87%

International Primary School, 1 Child (Yearly)

$35.3K £26.5K

$6,713 €5,971

426.28%

Jeans (Levis 501 Or Similar)

$114 £85.5

$87.9 €78.2

29.66%

Summer Dress (H&M, Zara, etc)

$54.3 £40.71

$50.9 €45.28

6.60%

Sport Shoes (Adidas, Nike)

$124 £93.2

$87.6 €77.9

41.86%

Men's Leather Business Shoes

$163 £122

$77.3 €68.7

111.05%

1-bedroom Apartment, City Center (Monthly)

$2,869 £2,152

$487 €433

489.15%

1-bedroom Apartment, Outside City Center (Monthly)

$2,233 £1,675

$350 €311

537.70%

3-bedroom Apartment, City Center (Monthly)

$5,266 £3,950

$714 €635

637.97%

3-bedroom Apartment, Outside City Center (Monthly)

$3,778 £2,834

$521 €463

625.21%

Buy Apartment in City Center (m2)

$18.3K £13.8K

$2,765 €2,460

562.95%

Buy Apartment Outside City Center (m2)

$8,024 £6,019

$2,459 €2,188

226.26%

Average Monthly Net Salary (After Tax)

$5,037 £3,778

$1,392 €1,238

261.93%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.74

3.72

27.42%

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

Last update for London: October 10, 2026

Last update for Karlovac: October 11, 2026

Monthly budget structure

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

Accommodation & Living

London

$2.2K 56%

Karlovac

$350 28.7% 84.3% $1.9K

Monthly Utilities & Internet

London

$430 10.8%

Karlovac

$244 20% 43.2% $186

Eating Out

London

$388 9.7%

Karlovac

$169 13.9% 56.3% $218

Groceries & Markets

London

$349 8.8%

Karlovac

$246 20.1% 29.7% $104

Getting Around

London

$285 7.2%

Karlovac

$25 * 2% 91.4% $261

Clothing & Footwear

London

$205 5.1%

Karlovac

$137 11.2% 33.3% $68

Sport & Entertainment

London

$95 2.4%

Karlovac

$51 4.2% 46.6% $44

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 $2,869 in London and $487 in Karlovac. Housing cost is often the main lever when comparing two cities.

London pays 262% 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: $107 in London vs $44.00 in Karlovac for a mid-range dinner for two. Groceries echo the gap at $349 vs $246 per month, with Karlovac cheaper across the board.

Good to know

🇬🇧 London

🇭🇷 Karlovac

🕒 Local time

05:19 5:19 AM

06:19 6:19 AM

1 h ahead of London

🌤 Weather

👥 Population

8,908,083 Capital

41,869

💱 Currency

British Pound GBP £

Euro EUR €

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 18, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Euro exchange rates as of October 18, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to GBP in detail →

On the map

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Highest

Between locations

London Karlovac 1,330 km ≈ 2 h 15 min nonstop flight

From you

London
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

London vs Karlovac: Cost of Living - Frequently Asked Questions

Karlovac is cheaper overall, especially in eating out, groceries, and transport. The 226% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 262% higher in London, 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: $2,869 in London versus $487 in Karlovac. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 42% higher in London. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $3,986 per month in London versus $1,222 in Karlovac – a 226% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,222 in Karlovac versus $3,986 in London, a $1,500 budget is realistic in Karlovac but tight or insufficient in London. The gap between the two cities makes Karlovac the clear choice for anyone on this budget.

For families, Karlovac is more practical. Housing and childcare are both notably cheaper than in London, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, London 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 226% less than in London. Beyond cost, consider language, visa policies, and how big the international community is in each city.