Last update: Oct 2026

Cost of Living Comparison Between Oneonta, NY and Zagreb

For one person, living is cheaper in Zagreb: $1,761 a month against $2,072 in Oneonta, NY, rent and utilities included – about $3,700 less a year. Higher rent and utilities in Oneonta, NY outweigh lower spending on other living expenses.

100

Cost of Living Index in Oneonta, NY
Learn more

Oneonta, NY Living Index
85

Cost of Living Index in Zagreb
Learn more

Zagreb Living Index

Jump to prices

Oneonta, NY

🇺🇸 United States

$2,072

/mo nomad

Zagreb

🇭🇷 Croatia

$1,761

/mo nomad

Monthly Cost of Living

How much you'll spend in Oneonta, NY 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 Oneonta, NY and in Zagreb actually costs, broken down by who's living it.

A single person spends $2,072 per month in Oneonta, NY vs $1,761 in Zagreb, rent included.

Oneonta, NY $2,072
Zagreb $1,761

A couple spends around $2,976 per month in Oneonta, NY vs $2,604 in Zagreb, rent included.

Oneonta, NY $2,976
Zagreb $2,604

A family of three spends $3,881 per month in Oneonta, NY vs $3,447 in Zagreb, rent included.

Oneonta, NY $3,881
Zagreb $3,447

Oneonta, NY costs about 18% more than Zagreb, and outside of rent the biggest gap is in clothing.

Both Oneonta, NY and Zagreb sit above the global median – Oneonta, NY by 53%, Zagreb by 30%.

Meal at Budget Restaurant

$17.25 $17.25

$12.50 €11.12

38.00%

Three-Course Dinner for Two, Mid-Range

$55.9 $55.9

$63.6 €56.6

-12.14%

Fast Food Meal (McDonalds, etc)

$6.45 $6.45

$8.33 €7.41

-22.57%

Cappuccino

$4.05 $4.05

$2.51 €2.23

61.35%

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

$2.54 $2.54

$3.00 €2.67

-15.33%

Water (0.33 liter bottle)

$2.00 $2.00

$2.54 €2.26

-21.26%

Local Beer (0.5 liter draught)

$2.94 $2.94

$3.27 €2.91

-10.09%

Imported Beer (0.33 liter bottle)

$3.88 $3.88

$4.36 €3.88

-11.01%

Milk (1 liter)

$0.90 $0.90

$1.23 €1.09

-26.83%

White Bread (500g)

$2.99 $2.99

$1.66 €1.48

80.12%

Rice (white) (1kg)

$1.22 $1.22

$2.72 €2.42

-55.15%

Eggs

$2.03 $2.03

$3.87 €3.45

-47.55%

Local Cheese (1kg)

$11.10 $11.10

$14.61 €12.99

-24.02%

Chicken Fillets (1kg)

$7.84 $7.84

$11.95 €10.63

-34.39%

Beef Round Steak (1kg)

$10.30 $10.30

$17.44 €15.51

-40.94%

Apples (1kg)

$3.13 $3.13

$2.31 €2.05

35.50%

Banana (1kg)

$1.15 $1.15

$1.78 €1.59

-35.39%

Oranges (1kg)

$2.59 $2.59

$2.11 €1.88

22.75%

Tomato (1kg)

$4.42 $4.42

$2.50 €2.22

76.80%

Potato (1kg)

$1.54 $1.54

$1.31 €1.17

17.56%

Onion (1kg)

$1.67 $1.67

$1.19 €1.06

40.34%

Lettuce (1 head)

$1.45 $1.45

$1.17 €1.04

23.93%

Water (1.5 liter bottle)

$1.53 $1.53

$1.37 €1.22

11.68%

Cigarettes 20 Pack (Marlboro, Camel)

$10.85 $10.85

$5.78 €5.14

87.72%

Wine (Bottle)

$14.15 $14.15

$10.23 €9.10

38.32%

Local Beer (0.5 liter bottle)

$3.04 $3.04

$1.61 €1.43

88.82%

Imported Beer (0.33 liter bottle)

$1.53 $1.53

$2.48 €2.20

-38.31%

One-way Ticket (Public Transport)

$1.94 $1.94

$0.57 €0.51

240.35%

Public Transport Monthly Pass (Regular Price)

$53.5 €47.63

Taxi Start (Normal Tariff)

$3.92 $3.92

$2.19 €1.95

79.00%

Taxi (Normal Tariff) (1km)

$2.20 $2.20

$1.42 €1.26

54.93%

Taxi 1hour Waiting (Normal Tariff)

$30.10 $30.10

$11.67 €10.38

157.93%

Gasoline (1 liter)

$1.03 $1.03

$1.84 €1.64

-44.02%

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

$26.8K $26.8K

$27.6K €24.6K

-3.19%

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

$25.8K $25.8K

$27.2K €24.2K

-5.07%

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

$145 $145

$214 €190

-32.30%

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

$34.33 $34.33

$23.36 €20.77

46.96%

Internet (50+ Mbps, Unlimited Data)

$75.7 $75.7

$41.16 €36.61

83.94%

Gym Membership (Monthly)

$41.74 $41.74

$51.1 €45.48

-18.36%

Tennis Court (1 Hour on Weekend)

$18.82 €16.74

Cinema Ticket

$11.99 $11.99

$9.13 €8.12

31.33%

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

$1,702 $1,702

$501 €445

239.94%

International Primary School, 1 Child (Yearly)

$17.4K $17.4K

$9,878 €8,787

76.29%

Jeans (Levis 501 Or Similar)

$41.69 $41.69

$111 €98.3

-62.28%

Summer Dress (H&M, Zara, etc)

$39.31 $39.31

$42.93 €38.19

-8.43%

Sport Shoes (Adidas, Nike)

$73.9 $73.9

$98.0 €87.1

-24.55%

Men's Leather Business Shoes

$80.5 $80.5

$110 €98.3

-27.13%

1-bedroom Apartment, City Center (Monthly)

$1,119 $1,119

$868 €772

28.88%

1-bedroom Apartment, Outside City Center (Monthly)

$1,087 $1,087

$668 €594

62.81%

3-bedroom Apartment, City Center (Monthly)

$1,989 $1,989

$1,463 €1,301

35.93%

3-bedroom Apartment, Outside City Center (Monthly)

$1,743 $1,743

$1,039 €924

67.80%

Buy Apartment in City Center (m2)

$1,637 $1,637

$5,031 €4,475

-67.46%

Buy Apartment Outside City Center (m2)

$1,680 $1,680

$3,468 €3,085

-51.55%

Average Monthly Net Salary (After Tax)

$4,116 $4,116

$1,937 €1,723

112.49%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.67

3.3

102.12%

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

Last update for Oneonta, NY: October 12, 2026

Last update for Zagreb: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Oneonta, NY

$1.1K 52.5%

Zagreb

$668 37.9% 38.6% $419

Groceries & Markets

Oneonta, NY

$289 14%

Zagreb

$315 17.9% 9.1% $26

Monthly Utilities & Internet

Oneonta, NY

$255 12.3%

Zagreb

$278 15.8% 9.3% $24

Eating Out

Oneonta, NY

$247 11.9%

Zagreb

$202 11.5% 17.9% $44

Clothing & Footwear

Oneonta, NY

$106 5.1%

Zagreb

$163 9.3% 53.7% $57

Sport & Entertainment

Oneonta, NY

$66 3.2%

Zagreb

$69 3.9% 5.6% $3.7

Getting Around

Oneonta, NY

$23 * 1.1%

Zagreb

$65 3.7% 187% $42

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

Cost Breakdown

A central one-bedroom costs $1,119 in Oneonta, NY versus $868 in Zagreb. 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 112% higher in Oneonta, NY, 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 $56.0 in Oneonta, NY versus $64.0 in Zagreb. Monthly groceries follow the same trend: $289 vs $315 – making Oneonta, NY the more affordable choice for daily food spending.

Good to know

🇺🇸 Oneonta, NY

🇭🇷 Zagreb

🕒 Local time

17:57 5:57 PM

23:57 11:57 PM

6 h ahead of Oneonta, NY

🌤 Weather

👥 Population

13,000

767,131 Capital

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.89 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Oneonta, NY Zagreb 6,860 km ≈ 9 h nonstop flight

From you

Oneonta, NY
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

Oneonta, NY vs Zagreb: Cost of Living - Frequently Asked Questions

Oneonta, NY costs about 18% more than Zagreb, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,108 per month in Oneonta, NY and $2,642 in Zagreb. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

A mid-range dinner for two costs $56.0 in Oneonta, NY and $64.0 in Zagreb. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 9% cheaper in Oneonta, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $3,000 monthly budget goes further in Zagreb, where all-in costs run around $1,761, than in Oneonta, NY at $2,072. In Zagreb it covers expenses comfortably, while in Oneonta, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Zagreb costs $1,761 versus $2,072 in Oneonta, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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