Last update: Oct 2026

Cost of Living Comparison Between Masterton and Zagreb

For one person, living is cheaper in Masterton: $841 a month against $1,772 in Zagreb, rent and utilities included – about $11,200 less a year. Rent and utilities account for most of the difference.

41

Cost of Living Index in Masterton
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Masterton Living Index
85

Cost of Living Index in Zagreb
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Zagreb Living Index

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Masterton

🇳🇿 New Zealand

$841

/mo nomad

Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Monthly Cost of Living

How much you'll spend in Masterton and in Zagreb

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

Monthly costs for one person with rent: $841 in Masterton versus $1,772 in Zagreb.

Masterton $841
Zagreb $1,772

Estimated couple costs with rent: $1,446 in Masterton versus $2,619 in Zagreb.

Masterton $1,446
Zagreb $2,619

Monthly costs for a family of three with rent: $2,051 in Masterton versus $3,467 in Zagreb.

Masterton $2,051
Zagreb $3,467

Living in Masterton costs roughly 53% less than in Zagreb, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Masterton is 38% below, Zagreb is 30% above.

Meal at Budget Restaurant

$9.26 NZ$16.44

$12.33 €11.04

-24.90%

Three-Course Dinner for Two, Mid-Range

$65.0 NZ$115

$63.9 €57.3

1.58%

Fast Food Meal (McDonalds, etc)

$8.77 NZ$15.58

$8.01 €7.18

9.49%

Cappuccino

$3.35 NZ$5.95

$2.50 €2.24

34.00%

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

$1.95 NZ$3.46

$3.09 €2.76

-36.89%

Water (0.33 liter bottle)

$1.11 NZ$1.97

$2.62 €2.35

-57.63%

Local Beer (0.5 liter draught)

$3.96 NZ$7.04

$3.42 €3.06

15.79%

Imported Beer (0.33 liter bottle)

$3.40 NZ$6.04

$4.51 €4.04

-24.61%

Milk (1 liter)

$1.46 NZ$2.59

$1.27 €1.13

14.96%

White Bread (500g)

$2.13 NZ$3.77

$1.60 €1.43

33.12%

Rice (white) (1kg)

$1.10 NZ$1.95

$2.68 €2.40

-58.96%

Eggs

$6.49 NZ$11.51

$3.95 €3.53

64.30%

Local Cheese (1kg)

$8.59 NZ$15.25

$14.58 €13.06

-41.08%

Chicken Fillets (1kg)

$9.94 NZ$17.65

$11.47 €10.27

-13.34%

Beef Round Steak (1kg)

$15.03 NZ$26.69

$17.35 €15.54

-13.37%

Apples (1kg)

$2.22 NZ$3.93

$2.31 €2.07

-3.90%

Banana (1kg)

$1.81 NZ$3.21

$1.65 €1.48

9.70%

Oranges (1kg)

$3.04 NZ$5.40

$2.19 €1.96

38.81%

Tomato (1kg)

$4.48 NZ$7.95

$2.56 €2.30

75.00%

Potato (1kg)

$1.51 NZ$2.69

$1.36 €1.22

11.03%

Onion (1kg)

$1.09 NZ$1.94

$1.20 €1.08

-9.17%

Lettuce (1 head)

$1.71 NZ$3.04

$1.19 €1.07

43.70%

Water (1.5 liter bottle)

$0.52 NZ$0.93

$1.29 €1.16

-59.69%

Cigarettes 20 Pack (Marlboro, Camel)

$19.90 NZ$35.33

$6.08 €5.45

227.30%

Wine (Bottle)

$11.48 NZ$20.39

$11.07 €9.91

3.70%

Local Beer (0.5 liter bottle)

$0.88 NZ$1.56

$1.69 €1.51

-47.93%

Imported Beer (0.33 liter bottle)

$1.22 NZ$2.17

$2.46 €2.21

-50.41%

One-way Ticket (Public Transport)

$2.23 NZ$3.97

$0.57 €0.51

291.23%

Public Transport Monthly Pass (Regular Price)

$53.2 €47.68

Taxi Start (Normal Tariff)

$1.89 NZ$3.36

$2.18 €1.95

-13.30%

Taxi (Normal Tariff) (1km)

$1.80 NZ$3.20

$1.44 €1.29

25.00%

Taxi 1hour Waiting (Normal Tariff)

$33.98 NZ$60.3

$12.39 €11.09

174.25%

Gasoline (1 liter)

$1.73 NZ$3.08

$1.90 €1.70

-8.95%

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

$22.9K NZ$40.6K

$27.9K €25.0K

-18.12%

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

$23.9K NZ$42.4K

$26.0K €23.3K

-8.22%

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

$56.0 NZ$99.5

$215 €193

-73.93%

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

$29.91 NZ$53.1

$22.34 €20.01

33.89%

Internet (50+ Mbps, Unlimited Data)

$53.4 NZ$94.8

$38.73 €34.69

37.83%

Gym Membership (Monthly)

$42.36 NZ$75.2

$48.65 €43.57

-12.93%

Tennis Court (1 Hour on Weekend)

$8.22 NZ$14.59

$18.95 €16.97

-56.62%

Cinema Ticket

$9.47 NZ$16.81

$10.41 €9.32

-9.03%

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

$1,038 NZ$1,844

$499 €447

108.07%

International Primary School, 1 Child (Yearly)

$13.3K NZ$23.6K

$9,720 €8,705

36.96%

Jeans (Levis 501 Or Similar)

$56.7 NZ$101

$109 €97.3

-47.83%

Summer Dress (H&M, Zara, etc)

$28.47 NZ$50.6

$42.23 €37.82

-32.58%

Sport Shoes (Adidas, Nike)

$105 NZ$186

$102 €91.6

2.24%

Men's Leather Business Shoes

$141 NZ$250

$111 €99.0

27.40%

1-bedroom Apartment, City Center (Monthly)

$888 €796

1-bedroom Apartment, Outside City Center (Monthly)

$683 €612

3-bedroom Apartment, City Center (Monthly)

$1,019 NZ$1,809

$1,468 €1,315

-30.62%

3-bedroom Apartment, Outside City Center (Monthly)

$1,066 €955

Buy Apartment in City Center (m2)

$5,275 €4,724

Buy Apartment Outside City Center (m2)

$3,670 €3,287

Average Monthly Net Salary (After Tax)

$2,339 NZ$4,152

$1,975 €1,769

18.44%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.39

3.3

63.33%

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

Last update for Masterton: October 25, 2026

Last update for Zagreb: October 25, 2026

Monthly budget structure

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

Groceries & Markets

Masterton

$293 34.8%

Zagreb

$314 17.7% 7.1% $21

Eating Out

Masterton

$179 21.3%

Zagreb

$202 11.4% 12.3% $22

Clothing & Footwear

Masterton

$149 17.7%

Zagreb

$164 9.2% 10% $15

Monthly Utilities & Internet

Masterton

$139 16.6%

Zagreb

$276 15.6% 98.1% $137

Sport & Entertainment

Masterton

$61 7.3%

Zagreb

$69 3.9% 13.3% $8.2

Getting Around

Masterton

$20 * 2.4%

Zagreb

$65 3.7% 227% $45

Accommodation & Living

Masterton

- * 0%

Zagreb

$683 38.5%

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Masterton pays 18% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $65 in Masterton vs $64 in Zagreb. Groceries flip the comparison at $293 vs $314, with Masterton cheaper for home cooking.

Good to know

🇳🇿 Masterton

🇭🇷 Zagreb

🕒 Local time

04:57 4:57 AM

16:57 4:57 PM

12 h behind Masterton

🌤 Weather

👥 Population

26,800

767,131 Capital

💱 Currency

New Zealand Dollar NZD $

Euro EUR €

📈 Exchange rate

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to NZD – New Zealand Dollar Converter

🇺🇸 United States Dollar ($)

🇳🇿 New Zealand Dollar ($)

New Zealand Dollar exchange rates as of October 31, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

Euro exchange rates as of October 31, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to NZD in detail →

On the map

Lowest

Highest

Between locations

Masterton Zagreb 18,290 km ≈ 23 h nonstop flight

From you

Masterton
Zagreb

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

Masterton vs Zagreb: Cost of Living - Frequently Asked Questions

Masterton is about 53% cheaper overall, especially in transport, eating out, and groceries. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 18% higher in Masterton, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Supermarket bills run roughly 7% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

Childcare runs $1,038 in Masterton versus $499 in Zagreb. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $841 in Masterton versus $1,772 in Zagreb, a $1,000 budget is realistic in Masterton but tight or insufficient in Zagreb. The gap between the two cities makes Masterton 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, Masterton and Zagreb are both considered safe, so it’s unlikely to be the deciding factor between them.