Last update: Oct 2026

Cost of Living Comparison Between Osijek and Zagreb

For one person, living is cheaper in Osijek: $1,437 a month against $1,772 in Zagreb, rent and utilities included – about $4,000 less a year. Rent and utilities account for most of the difference.

69

Cost of Living Index in Osijek
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Osijek Living Index
85

Cost of Living Index in Zagreb
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Zagreb Living Index

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Osijek

🇭🇷 Croatia

$1,437

/mo nomad

Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Monthly Cost of Living

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

Monthly costs for one person with rent: $1,437 in Osijek versus $1,772 in Zagreb.

Osijek $1,437
Zagreb $1,772

Estimated couple costs with rent: $2,217 in Osijek versus $2,619 in Zagreb.

Osijek $2,217
Zagreb $2,619

Monthly costs for a family of three with rent: $2,998 in Osijek versus $3,467 in Zagreb.

Osijek $2,998
Zagreb $3,467

Living in Osijek costs roughly 19% less than in Zagreb, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Osijek 6% above, Zagreb 30% above.

Meal at Budget Restaurant

$11.21 €10.07

$12.33 €11.08

-9.08%

Three-Course Dinner for Two, Mid-Range

$56.3 €50.5

$63.9 €57.4

-12.01%

Fast Food Meal (McDonalds, etc)

$9.05 €8.13

$8.01 €7.20

12.98%

Cappuccino

$2.67 €2.40

$2.50 €2.25

6.80%

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

$3.40 €3.06

$3.09 €2.77

10.03%

Water (0.33 liter bottle)

$2.87 €2.57

$2.62 €2.35

9.54%

Local Beer (0.5 liter draught)

$5.53 €4.97

$3.42 €3.07

61.70%

Imported Beer (0.33 liter bottle)

$5.50 €4.94

$4.51 €4.05

21.95%

Milk (1 liter)

$1.14 €1.02

$1.27 €1.14

-10.24%

White Bread (500g)

$1.48 €1.33

$1.60 €1.43

-7.50%

Rice (white) (1kg)

$2.78 €2.50

$2.68 €2.41

3.73%

Eggs

$3.46 €3.11

$3.95 €3.54

-12.41%

Local Cheese (1kg)

$11.63 €10.45

$14.58 €13.10

-20.23%

Chicken Fillets (1kg)

$8.66 €7.78

$11.47 €10.30

-24.50%

Beef Round Steak (1kg)

$11.54 €10.36

$17.35 €15.58

-33.49%

Apples (1kg)

$1.73 €1.56

$2.31 €2.07

-25.11%

Banana (1kg)

$1.64 €1.47

$1.65 €1.48

-0.61%

Oranges (1kg)

$1.82 €1.64

$2.19 €1.96

-16.89%

Tomato (1kg)

$2.62 €2.36

$2.56 €2.30

2.34%

Potato (1kg)

$1.32 €1.19

$1.36 €1.22

-2.94%

Onion (1kg)

$1.17 €1.05

$1.20 €1.08

-2.50%

Lettuce (1 head)

$1.18 €1.06

$1.19 €1.07

-0.84%

Water (1.5 liter bottle)

$1.18 €1.06

$1.29 €1.16

-8.53%

Cigarettes 20 Pack (Marlboro, Camel)

$5.95 €5.35

$6.08 €5.46

-2.14%

Wine (Bottle)

$8.38 €7.53

$11.07 €9.94

-24.30%

Local Beer (0.5 liter bottle)

$1.61 €1.44

$1.69 €1.51

-4.73%

Imported Beer (0.33 liter bottle)

$2.01 €1.80

$2.46 €2.21

-18.29%

One-way Ticket (Public Transport)

$1.74 €1.56

$0.57 €0.51

205.26%

Public Transport Monthly Pass (Regular Price)

$37.15 €33.37

$53.2 €47.82

-30.22%

Taxi Start (Normal Tariff)

$2.19 €1.97

$2.18 €1.96

0.46%

Taxi (Normal Tariff) (1km)

$1.09 €0.98

$1.44 €1.29

-24.31%

Taxi 1hour Waiting (Normal Tariff)

$14.79 €13.28

$12.39 €11.13

19.37%

Gasoline (1 liter)

$1.89 €1.70

$1.90 €1.70

-0.53%

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

$27.3K €24.5K

$27.9K €25.1K

-2.14%

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

$24.9K €22.3K

$26.0K €23.4K

-4.45%

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

$193 €174

$215 €193

-10.06%

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

$21.77 €19.56

$22.34 €20.07

-2.55%

Internet (50+ Mbps, Unlimited Data)

$44.37 €39.85

$38.73 €34.79

14.56%

Gym Membership (Monthly)

$43.77 €39.32

$48.65 €43.70

-10.03%

Tennis Court (1 Hour on Weekend)

$8.78 €7.88

$18.95 €17.02

-53.67%

Cinema Ticket

$9.90 €8.89

$10.41 €9.35

-4.90%

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

$414 €372

$499 €448

-17.10%

International Primary School, 1 Child (Yearly)

$4,095 €3,679

$9,720 €8,731

-57.87%

Jeans (Levis 501 Or Similar)

$104 €93.2

$109 €97.6

-4.51%

Summer Dress (H&M, Zara, etc)

$38.98 €35.01

$42.23 €37.93

-7.70%

Sport Shoes (Adidas, Nike)

$97.7 €87.8

$102 €91.9

-4.46%

Men's Leather Business Shoes

$109 €98.4

$111 €99.3

-0.95%

1-bedroom Apartment, City Center (Monthly)

$652 €585

$888 €798

-26.64%

1-bedroom Apartment, Outside City Center (Monthly)

$435 €391

$683 €614

-36.31%

3-bedroom Apartment, City Center (Monthly)

$1,189 €1,068

$1,468 €1,319

-19.03%

3-bedroom Apartment, Outside City Center (Monthly)

$835 €750

$1,066 €958

-21.70%

Buy Apartment in City Center (m2)

$2,761 €2,480

$5,275 €4,739

-47.66%

Buy Apartment Outside City Center (m2)

$2,173 €1,952

$3,670 €3,297

-40.78%

Average Monthly Net Salary (After Tax)

$1,343 €1,206

$1,975 €1,774

-31.98%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.67

3.3

11.21%

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

Last update for Osijek: October 26, 2026

Last update for Zagreb: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Osijek

$435 30.3%

Zagreb

$683 38.5% 57% $248

Monthly Utilities & Internet

Osijek

$259 18.1%

Zagreb

$276 15.6% 6.4% $17

Groceries & Markets

Osijek

$257 17.9%

Zagreb

$314 17.7% 22% $57

Eating Out

Osijek

$213 14.8%

Zagreb

$202 11.4% 5.2% $11

Clothing & Footwear

Osijek

$157 11%

Zagreb

$164 9.2% 3.9% $6.2

Sport & Entertainment

Osijek

$64 4.4%

Zagreb

$69 3.9% 9.2% $5.9

Getting Around

Osijek

$52 3.6%

Zagreb

$65 3.7% 25.3% $13

Cost Breakdown

A one-bedroom apartment in the center runs $652 in Osijek and $888 in Zagreb. Housing cost is often the main lever when comparing two cities.

Zagreb pays 47% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $56 in Osijek vs $64 in Zagreb for a mid-range dinner for two. Groceries echo the gap at $257 vs $314 per month, with Osijek cheaper across the board.

Good to know

🇭🇷 Osijek

🇭🇷 Zagreb

🕒 Local time

19:48 7:48 PM

Same time as Osijek

🌤 Weather

👥 Population

75,535

767,131 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

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From you

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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

Osijek vs Zagreb: Cost of Living - Frequently Asked Questions

Osijek is cheaper overall, especially in groceries, transport, and clothing. The 23% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 32% lower in Osijek. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $652 in Osijek versus $888 in Zagreb. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 22% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Osijek – a meal for two runs $56 versus $64 in Zagreb. If you eat out regularly, this makes a real dent in your monthly spending.

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, Osijek 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 Osijek gentler on the wallet – expenses run 19% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.