Cost of Living Comparison Between Novi Sad and Loznica Cost of Living Comparison Between Novi Sad and Loznica

Monthly Cost of Living

A single person spends $1,468 per month in Novi Sad vs $786 in Loznica, rent included.

A couple spends around $2,245 per month in Novi Sad vs $1,201 in Loznica, rent included.

A family of three spends $3,021 per month in Novi Sad vs $1,617 in Loznica, rent included.

Novi Sad costs about 87% more than Loznica, driven mainly by Clothing & Footwear.

Novi Sad sits 7% above the global median, while Loznica is 43% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$10.43 RSD 1,053

$3.60 RSD 363

189.72%

Three-Course Dinner for Two, Mid-Range

$52.1 RSD 5,258

$35.06 RSD 3,537

48.63%

Fast Food Meal (McDonalds, etc)

$12.85 RSD 1,297

$11.80 RSD 1,190

8.90%

Cappuccino

$2.71 RSD 274

$1.61 RSD 163

68.32%

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

$2.47 RSD 250

$1.92 RSD 194

28.65%

Water (0.33 liter bottle)

$1.90 RSD 192

$1.81 RSD 183

4.97%

Local Beer (0.5 liter draught)

$2.99 RSD 302

$2.42 RSD 245

23.55%

Imported Beer (0.33 liter bottle)

$4.04 RSD 408

$2.97 RSD 300

36.03%

Milk (1 liter)

$1.45 RSD 147

$1.13 RSD 114

28.32%

White Bread (500g)

$1.03 RSD 104

$0.57 RSD 57.4

80.70%

Rice (white) (1kg)

$2.84 RSD 287

$1.37 RSD 138

107.30%

Eggs

$2.71 RSD 274

$1.90 RSD 192

42.63%

Local Cheese (1kg)

$14.12 RSD 1,424

$8.26 RSD 834

70.94%

Chicken Fillets (1kg)

$7.54 RSD 761

$6.00 RSD 606

25.67%

Beef Round Steak (1kg)

$14.42 RSD 1,455

$9.87 RSD 996

46.10%

Apples (1kg)

$1.83 RSD 185

$0.84 RSD 84.6

117.86%

Banana (1kg)

$2.02 RSD 203

$1.70 RSD 171

18.82%

Oranges (1kg)

$1.69 RSD 170

$1.21 RSD 122

39.67%

Tomato (1kg)

$2.75 RSD 277

$1.25 RSD 126

120.00%

Potato (1kg)

$1.04 RSD 105

Onion (1kg)

$0.71 RSD 71.6

$0.64 RSD 64.1

10.94%

Lettuce (1 head)

$0.99 RSD 100

$0.63 RSD 63.9

57.14%

Water (1.5 liter bottle)

$0.72 RSD 72.8

$0.52 RSD 53.0

38.46%

Cigarettes 20 Pack (Marlboro, Camel)

$4.83 RSD 487

$4.41 RSD 445

9.52%

Wine (Bottle)

$8.08 RSD 815

$4.82 RSD 486

67.63%

Local Beer (0.5 liter bottle)

$0.97 RSD 97.6

$0.79 RSD 79.5

22.78%

Imported Beer (0.33 liter bottle)

$2.36 RSD 238

$2.39 RSD 241

-1.26%

One-way Ticket (Public Transport)

$1.01 RSD 102

Public Transport Monthly Pass (Regular Price)

$25.60 RSD 2,583

Taxi Start (Normal Tariff)

$2.42 RSD 244

$1.95 RSD 196

24.10%

Taxi (Normal Tariff) (1km)

$0.96 RSD 96.7

$1.06 RSD 107

-9.43%

Taxi 1hour Waiting (Normal Tariff)

$10.92 RSD 1,102

$6.80 RSD 686

60.59%

Gasoline (1 liter)

$1.85 RSD 187

$1.81 RSD 183

2.21%

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

$31.1K RSD 3.1M

$31.5K RSD 3.2M

-1.30%

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

$26.8K RSD 2.7M

$26.3K RSD 2.7M

1.96%

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

$240 RSD 24.2K

$115 RSD 11.6K

108.17%

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

$20.60 RSD 2,079

$16.29 RSD 1,644

26.46%

Internet (50+ Mbps, Unlimited Data)

$35.23 RSD 3,554

$17.11 RSD 1,726

105.90%

Gym Membership (Monthly)

$38.86 RSD 3,920

$18.37 RSD 1,853

111.54%

Tennis Court (1 Hour on Weekend)

$11.59 RSD 1,169

$14.20 RSD 1,432

-18.38%

Cinema Ticket

$7.51 RSD 757

$4.85 RSD 489

54.85%

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

$376 RSD 37.9K

$178 RSD 18.0K

110.67%

International Primary School, 1 Child (Yearly)

$7,932 RSD 800.2K

$7,951 RSD 802.1K

-0.24%

Jeans (Levis 501 Or Similar)

$126 RSD 12.7K

$44.63 RSD 4,502

181.31%

Summer Dress (H&M, Zara, etc)

$45.45 RSD 4,585

$23.23 RSD 2,343

95.65%

Sport Shoes (Adidas, Nike)

$144 RSD 14.5K

$96.0 RSD 9,686

49.85%

Men's Leather Business Shoes

$143 RSD 14.4K

$52.7 RSD 5,313

171.48%

1-bedroom Apartment, City Center (Monthly)

$513 RSD 51.7K

$305 RSD 30.8K

68.04%

1-bedroom Apartment, Outside City Center (Monthly)

$425 RSD 42.8K

$221 RSD 22.3K

91.68%

3-bedroom Apartment, City Center (Monthly)

$1,010 RSD 101.9K

$483 RSD 48.7K

109.20%

3-bedroom Apartment, Outside City Center (Monthly)

$810 RSD 81.7K

$382 RSD 38.5K

111.91%

Buy Apartment in City Center (m2)

$3,740 RSD 377.4K

$1,528 RSD 154.1K

144.82%

Buy Apartment Outside City Center (m2)

$2,733 RSD 275.7K

$1,554 RSD 156.8K

75.83%

Average Monthly Net Salary (After Tax)

$1,246 RSD 125.7K

$560 RSD 56.5K

122.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.23

4.79

9.19%

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

Last update for Novi Sad: September 1, 2026

Last update for Loznica: August 29, 2026

Cost Breakdown

A central one-bedroom costs $513 in Novi Sad versus $305 in Loznica. 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 123% higher in Novi Sad, 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 $52.0 in Novi Sad versus $35.00 in Loznica. Monthly groceries follow the same trend: $255 vs $171 – making Loznica the more affordable choice for daily food spending.

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

Novi Sad vs Loznica: Cost of Living - Frequently Asked Questions

Novi Sad costs about 87% more than Loznica, with the gap driven mainly by Clothing & Footwear. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,202 per month in Novi Sad and $1,178 in Loznica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Monthly expenses with rent come to $1,468 in Novi Sad and $786 in Loznica. The difference isn't just one category – it shows up across housing, food, transport, and services.

Kindergarten costs $376 per month in Novi Sad and $178 in Loznica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $1,000 monthly budget goes further in Loznica, where all-in costs run around $786, than in Novi Sad at $1,468. In Loznica it covers expenses comfortably, while in Novi Sad it requires careful planning or may not stretch far enough.

Families tend to lean toward Loznica – 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 Loznica. If higher salaries, better infrastructure, or specific career opportunities are the priority, Novi Sad makes more sense. Both are solid long-term options with distinct trade-offs.