Cost of Living Comparison Between Masterton and Zagreb Cost of Living Comparison Between Masterton and Zagreb

Monthly Cost of Living

Monthly costs for one person with rent: $1,485 in Masterton versus $1,725 in Zagreb.

Estimated couple costs with rent: $2,448 in Masterton versus $2,556 in Zagreb.

Monthly costs for a family of three with rent: $3,411 in Masterton versus $3,388 in Zagreb.

Living in Masterton costs roughly 14% less than in Zagreb, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Masterton 11% above, Zagreb 29% above.

Meal at Budget Restaurant

$9.82 NZ$16.79

$11.80 €10.10

-16.78%

Three-Course Dinner for Two, Mid-Range

$90.0 NZ$154

$69.6 €59.6

29.38%

Fast Food Meal (McDonalds, etc)

$9.28 NZ$15.86

$9.44 €8.08

-1.69%

Cappuccino

$3.15 NZ$5.38

$2.44 €2.08

29.10%

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

$2.08 NZ$3.55

$2.99 €2.56

-30.43%

Water (0.33 liter bottle)

$1.66 NZ$2.83

$2.37 €2.03

-29.96%

Local Beer (0.5 liter draught)

$3.71 NZ$6.34

$3.73 €3.19

-0.54%

Imported Beer (0.33 liter bottle)

$4.31 NZ$7.38

$4.72 €4.04

-8.69%

Milk (1 liter)

$1.49 NZ$2.54

$1.30 €1.11

14.62%

White Bread (500g)

$1.69 NZ$2.88

$1.86 €1.59

-9.14%

Rice (white) (1kg)

$1.16 NZ$1.99

$2.67 €2.28

-56.55%

Eggs

$6.00 NZ$10.26

$3.74 €3.20

60.43%

Local Cheese (1kg)

$7.33 NZ$12.54

$10.84 €9.28

-32.38%

Chicken Fillets (1kg)

$9.43 NZ$16.12

$9.61 €8.23

-1.87%

Beef Round Steak (1kg)

$12.14 NZ$20.76

$12.56 €10.75

-3.34%

Apples (1kg)

$1.86 NZ$3.18

$1.85 €1.59

0.54%

Banana (1kg)

$1.86 NZ$3.18

$1.74 €1.49

6.90%

Oranges (1kg)

$2.56 NZ$4.38

$1.98 €1.69

29.29%

Tomato (1kg)

$3.33 NZ$5.70

$2.97 €2.55

12.12%

Potato (1kg)

$1.45 NZ$2.48

$1.37 €1.17

5.84%

Onion (1kg)

$1.18 NZ$2.01

$1.47 €1.26

-19.73%

Lettuce (1 head)

$1.77 NZ$3.03

$1.25 €1.07

41.60%

Water (1.5 liter bottle)

$0.90 NZ$1.55

$1.31 €1.12

-31.30%

Cigarettes 20 Pack (Marlboro, Camel)

$20.04 NZ$34.26

$5.85 €5.01

242.56%

Wine (Bottle)

$10.74 NZ$18.37

$8.07 €6.91

33.09%

Local Beer (0.5 liter bottle)

$2.32 NZ$3.97

$1.84 €1.57

26.09%

Imported Beer (0.33 liter bottle)

$2.59 NZ$4.43

$2.27 €1.94

14.10%

One-way Ticket (Public Transport)

$2.36 NZ$4.03

$0.64 €0.55

268.75%

Public Transport Monthly Pass (Regular Price)

$64.0 NZ$109

$57.5 €49.19

11.29%

Taxi Start (Normal Tariff)

$2.37 NZ$4.06

$2.37 €2.03

Taxi (Normal Tariff) (1km)

$1.78 NZ$3.04

$1.03 €0.88

72.82%

Taxi 1hour Waiting (Normal Tariff)

$40.81 NZ$69.8

$10.46 €8.95

290.15%

Gasoline (1 liter)

$1.68 NZ$2.87

$1.77 €1.51

-5.08%

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

$24.1K NZ$41.3K

$34.3K €29.4K

-29.64%

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

$23.4K NZ$40.0K

$26.0K €22.2K

-10.09%

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

$79.5 NZ$136

$208 €178

-61.79%

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

$31.57 NZ$54.0

$20.10 €17.21

57.06%

Internet (50+ Mbps, Unlimited Data)

$48.75 NZ$83.4

$32.57 €27.88

49.68%

Gym Membership (Monthly)

$40.52 NZ$69.3

$49.99 €42.79

-18.94%

Tennis Court (1 Hour on Weekend)

$8.89 NZ$15.21

$14.35 €12.28

-38.05%

Cinema Ticket

$8.13 NZ$13.89

$9.04 €7.74

-10.07%

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

$397 NZ$678

$503 €431

-21.15%

International Primary School, 1 Child (Yearly)

$4,896 NZ$8,371

$13.0K €11.1K

-62.32%

Jeans (Levis 501 Or Similar)

$70.2 NZ$120

$101 €86.4

-30.51%

Summer Dress (H&M, Zara, etc)

$30.07 NZ$51.4

$40.78 €34.90

-26.26%

Sport Shoes (Adidas, Nike)

$104 NZ$178

$95.8 €82.0

8.82%

Men's Leather Business Shoes

$113 NZ$194

$117 €100

-3.06%

1-bedroom Apartment, City Center (Monthly)

$785 NZ$1,342

$863 €739

-9.08%

1-bedroom Apartment, Outside City Center (Monthly)

$612 NZ$1,046

$666 €570

-8.13%

3-bedroom Apartment, City Center (Monthly)

$1,269 NZ$2,169

$1,513 €1,295

-16.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,072 NZ$1,833

$1,061 €908

1.06%

Buy Apartment in City Center (m2)

$5,525 €4,730

Buy Apartment Outside City Center (m2)

$3,446 €2,950

Average Monthly Net Salary (After Tax)

$2,456 NZ$4,200

$1,928 €1,651

27.38%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.69

3.72

79.84%

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

Last update for Masterton: April 26, 2026

Last update for Zagreb: April 27, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $785 in Masterton and $863 in Zagreb. Housing cost is often the main lever when comparing two cities.

Masterton pays 27% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $90.0 in Masterton vs $70.0 in Zagreb. Groceries flip the comparison at $276 vs $276, with Masterton cheaper for home cooking.

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 cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment. The 16% gap adds up to real monthly savings that compound significantly over time.

Masterton pays 27% more on average, 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: $785 in Masterton versus $863 in Zagreb. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Masterton – a meal for two runs $90.0 versus $70.0 in Zagreb. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,485 per month in Masterton versus $1,725 in Zagreb – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,485 in Masterton versus $1,725 in Zagreb, a $1,500 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.

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

Safety-wise, Masterton and Zagreb 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 Masterton gentler on the wallet – expenses run 16% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.