Last update: Oct 2026

Cost of Living Comparison Between London and Umag

For one person, living is cheaper in Umag: $1,532 a month against $3,986 in London, rent and utilities included – about $29,400 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
78

Cost of Living Index in Umag
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Umag Living Index

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London

🇬🇧 United Kingdom

$3,986

/mo nomad

Umag

🇭🇷 Croatia

$1,532

/mo nomad

Monthly Cost of Living

How much you'll spend in London and in Umag

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 Umag actually costs, broken down by who's living it.

A single person spends $3,986 per month in London vs $1,532 in Umag, rent included.

London $3,986
Umag $1,532

A couple spends around $5,791 per month in London vs $2,439 in Umag, rent included.

London $5,791
Umag $2,439

A family of three spends $7,595 per month in London vs $3,345 in Umag, rent included.

London $7,595
Umag $3,345

London costs about 160% more than Umag, and outside of rent the biggest gap is in transport.

Both London and Umag sit above the global median – London by 195%, Umag by 13%.

Meal at Budget Restaurant

$25.93 £19.60

$12.31 €10.99

110.64%

Three-Course Dinner for Two, Mid-Range

$107 £80.5

$63.5 €56.7

67.64%

Fast Food Meal (McDonalds, etc)

$10.71 £8.09

$7.93 €7.08

35.06%

Cappuccino

$5.47 £4.14

$2.18 €1.95

150.92%

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

$2.97 £2.25

$2.98 €2.66

-0.34%

Water (0.33 liter bottle)

$2.20 £1.67

$2.25 €2.01

-2.22%

Local Beer (0.5 liter draught)

$9.13 £6.90

$3.33 €2.97

174.17%

Imported Beer (0.33 liter bottle)

$7.94 £6.00

$4.48 €4.00

77.23%

Milk (1 liter)

$1.86 £1.41

$1.24 €1.11

50.00%

White Bread (500g)

$2.07 £1.56

$1.60 €1.43

29.37%

Rice (white) (1kg)

$2.42 £1.83

$2.72 €2.43

-11.03%

Eggs

$5.09 £3.84

$3.89 €3.47

30.85%

Local Cheese (1kg)

$12.87 £9.73

$14.81 €13.23

-13.10%

Chicken Fillets (1kg)

$10.43 £7.88

$11.80 €10.53

-11.61%

Beef Round Steak (1kg)

$16.87 £12.75

$17.92 €16.00

-5.86%

Apples (1kg)

$3.11 £2.35

$2.29 €2.05

35.81%

Banana (1kg)

$1.40 £1.06

$1.79 €1.60

-21.79%

Oranges (1kg)

$3.08 £2.33

$2.05 €1.83

50.24%

Tomato (1kg)

$3.27 £2.47

$2.51 €2.24

30.28%

Potato (1kg)

$1.58 £1.20

$1.30 €1.16

21.54%

Onion (1kg)

$1.74 £1.32

$1.13 €1.01

53.98%

Lettuce (1 head)

$1.40 £1.06

$1.18 €1.05

18.64%

Water (1.5 liter bottle)

$1.80 £1.36

$1.39 €1.25

29.50%

Cigarettes 20 Pack (Marlboro, Camel)

$23.28 £17.59

$5.90 €5.27

294.58%

Wine (Bottle)

$13.03 £9.85

$10.09 €9.01

29.14%

Local Beer (0.5 liter bottle)

$3.17 £2.40

$1.68 €1.50

88.69%

Imported Beer (0.33 liter bottle)

$4.42 £3.34

$2.56 €2.28

72.66%

One-way Ticket (Public Transport)

$4.07 £3.08

$1.81 €1.62

124.86%

Public Transport Monthly Pass (Regular Price)

$247 £187

$39.73 €35.48

521.09%

Taxi Start (Normal Tariff)

$5.58 £4.22

$2.22 €1.98

151.35%

Taxi (Normal Tariff) (1km)

$3.36 £2.54

$1.36 €1.21

147.06%

Taxi 1hour Waiting (Normal Tariff)

$56.8 £42.89

$11.94 €10.66

375.29%

Gasoline (1 liter)

$2.13 £1.61

$1.92 €1.71

10.94%

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

$38.2K £28.9K

$27.7K €24.7K

37.90%

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

$40.9K £30.9K

$26.9K €24.0K

52.20%

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

$372 £281

$215 €192

73.42%

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

$17.82 £13.47

$22.92 €20.47

-22.25%

Internet (50+ Mbps, Unlimited Data)

$40.37 £30.51

$40.61 €36.27

-0.59%

Gym Membership (Monthly)

$60.0 £45.33

$52.1 €46.54

15.08%

Tennis Court (1 Hour on Weekend)

$21.29 £16.09

$15.38 €13.74

38.43%

Cinema Ticket

$17.74 £13.41

$8.39 €7.49

111.44%

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

$2,864 £2,165

$495 €442

479.10%

International Primary School, 1 Child (Yearly)

$35.3K £26.7K

$9,808 €8,758

260.22%

Jeans (Levis 501 Or Similar)

$114 £86.2

$107 €95.4

6.72%

Summer Dress (H&M, Zara, etc)

$54.3 £41.02

$43.30 €38.67

25.33%

Sport Shoes (Adidas, Nike)

$124 £93.9

$94.7 €84.6

31.21%

Men's Leather Business Shoes

$163 £123

$110 €98.3

48.20%

1-bedroom Apartment, City Center (Monthly)

$2,869 £2,168

$673 €601

326.08%

1-bedroom Apartment, Outside City Center (Monthly)

$2,233 £1,688

$458 €409

387.49%

3-bedroom Apartment, City Center (Monthly)

$5,266 £3,980

$1,148 €1,025

358.80%

3-bedroom Apartment, Outside City Center (Monthly)

$3,778 £2,856

$977 €873

286.53%

Buy Apartment in City Center (m2)

$18.3K £13.9K

$4,640 €4,143

295.14%

Buy Apartment Outside City Center (m2)

$8,024 £6,065

$2,948 €2,632

172.22%

Average Monthly Net Salary (After Tax)

$5,037 £3,807

20-Year Fixed Mortgage Interest Rate (Annual %)

4.74

3.3

43.64%

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

Last update for London: October 10, 2026

Last update for Umag: October 11, 2026

Monthly budget structure

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

Accommodation & Living

London

$2.2K 56%

Umag

$458 29.9% 79.5% $1.8K

Monthly Utilities & Internet

London

$430 10.8%

Umag

$278 18.2% 35.4% $152

Eating Out

London

$388 9.7%

Umag

$195 12.7% 49.7% $193

Groceries & Markets

London

$349 8.8%

Umag

$316 20.6% 9.5% $33

Getting Around

London

$285 7.2%

Umag

$56 3.7% 80.4% $229

Clothing & Footwear

London

$205 5.1%

Umag

$160 10.4% 22.1% $45

Sport & Entertainment

London

$95 2.4%

Umag

$69 4.5% 27.8% $27

Cost Breakdown

A central one-bedroom costs $2,869 in London versus $673 in Umag. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $107 in London versus $64.0 in Umag. Monthly groceries follow the same trend: $349 vs $316 – making Umag the more affordable choice for daily food spending.

Good to know

🇬🇧 London

🇭🇷 Umag

🕒 Local time

11:19 11:19 AM

12:19 12:19 PM

1 h ahead of London

🌤 Weather

👥 Population

8,908,083 Capital

13,000

💱 Currency

British Pound GBP £

Euro EUR €

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 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 15, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.846 GBP (1 GBP = 1.18 EUR).

Euro exchange rates as of October 15, 2026: 1 USD = 0.893 EUR (1 EUR = 1.12 USD).

USD to GBP in detail →

On the map

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Between locations

London Umag 1,210 km ≈ 2 h nonstop flight

From you

London
Umag

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 Umag: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $3,986 in London, $1,532 in Umag – roughly 160% apart. Outside of rent, the biggest gap is in transport.

For a comfortable life, plan on about $5,979 per month in London and $2,298 in Umag. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 11% more in London, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $107 in London and $64.0 in Umag. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Umag, where all-in costs run around $1,532, than in London at $3,986. In Umag it covers expenses comfortably, while in London it requires careful planning or may not stretch far enough.

It depends on your priorities. London has an edge in some lifestyle areas, with costs from $1,532 in Umag to $3,986 in London. Climate, culture, job market, and personal taste all factor in.

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 Umag. If higher salaries, better infrastructure, or specific career opportunities are the priority, London makes more sense. Both are solid long-term options with distinct trade-offs.