Last update: Oct 2026

Cost of Living Comparison Between San Gwann and Ballarat

For one person, living is cheaper in Ballarat: $1,907 a month against $2,037 in San Gwann, rent and utilities included – about $1,600 less a year. Higher rent and utilities in San Gwann outweigh lower spending on other living expenses.

98

Cost of Living Index in San Gwann
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San Gwann Living Index
92

Cost of Living Index in Ballarat
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Ballarat Living Index

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San Gwann

🇲🇹 Malta

$2,037

/mo nomad

Ballarat

🇦🇺 Australia

$1,907

/mo nomad

Monthly Cost of Living

How much you'll spend in San Gwann and in Ballarat

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

Monthly costs for one person with rent: $2,037 in San Gwann versus $1,907 in Ballarat.

San Gwann $2,037
Ballarat $1,907

Estimated couple costs with rent: $3,105 in San Gwann versus $3,040 in Ballarat.

San Gwann $3,105
Ballarat $3,040

Monthly costs for a family of three with rent: $4,172 in San Gwann versus $4,172 in Ballarat.

San Gwann $4,172
Ballarat $4,172

Living in San Gwann is roughly 7% more expensive than in Ballarat, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: San Gwann 50% above, Ballarat 40% above.

Meal at Budget Restaurant

$21.53 €19.21

$17.26 A$24.64

24.74%

Three-Course Dinner for Two, Mid-Range

$68.0 €60.7

$69.7 A$99.4

-2.34%

Fast Food Meal (McDonalds, etc)

$13.44 €11.99

$10.44 A$14.90

28.74%

Cappuccino

$2.91 €2.59

$3.72 A$5.30

-21.77%

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

$2.07 €1.85

$2.95 A$4.21

-29.83%

Water (0.33 liter bottle)

$1.11 €0.99

$1.73 A$2.47

-35.84%

Local Beer (0.5 liter draught)

$4.54 €4.05

$6.26 A$8.93

-27.48%

Imported Beer (0.33 liter bottle)

$4.52 €4.03

$6.18 A$8.83

-26.86%

Milk (1 liter)

$1.31 €1.16

$1.55 A$2.21

-15.48%

White Bread (500g)

$1.40 €1.25

$2.81 A$4.01

-50.18%

Rice (white) (1kg)

$3.58 €3.19

$2.23 A$3.19

60.54%

Eggs

$4.22 €3.76

$4.17 A$5.95

1.20%

Local Cheese (1kg)

$10.21 €9.11

$10.43 A$14.88

-2.11%

Chicken Fillets (1kg)

$11.76 €10.50

$10.13 A$14.46

16.09%

Beef Round Steak (1kg)

$17.66 €15.76

$15.20 A$21.69

16.18%

Apples (1kg)

$3.89 €3.47

$3.61 A$5.15

7.76%

Banana (1kg)

$2.76 €2.46

$3.10 A$4.42

-10.97%

Oranges (1kg)

$3.93 €3.50

$3.23 A$4.61

21.67%

Tomato (1kg)

$3.66 €3.26

$4.47 A$6.39

-18.12%

Potato (1kg)

$1.86 €1.66

$3.10 A$4.42

-40.00%

Onion (1kg)

$2.20 €1.96

$2.46 A$3.51

-10.57%

Lettuce (1 head)

$2.18 €1.95

$2.34 A$3.34

-6.84%

Water (1.5 liter bottle)

$1.56 €1.39

$1.50 A$2.15

4.00%

Cigarettes 20 Pack (Marlboro, Camel)

$6.37 €5.68

$35.41 A$50.5

-82.01%

Wine (Bottle)

$5.44 €4.85

$12.65 A$18.06

-57.00%

Local Beer (0.5 liter bottle)

$2.40 €2.15

$2.33 A$3.32

3.00%

Imported Beer (0.33 liter bottle)

$2.38 €2.13

$3.19 A$4.56

-25.39%

One-way Ticket (Public Transport)

$2.25 €2.01

$2.76 A$3.94

-18.48%

Public Transport Monthly Pass (Regular Price)

$14.65 €13.07

$71.1 A$101

-79.39%

Taxi Start (Normal Tariff)

$3.89 €3.47

$2.58 A$3.69

50.78%

Taxi (Normal Tariff) (1km)

$1.81 €1.61

$1.32 A$1.88

37.12%

Taxi 1hour Waiting (Normal Tariff)

$32.04 €28.59

$26.48 A$37.79

21.00%

Gasoline (1 liter)

$1.48 €1.32

$1.22 A$1.75

21.31%

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

$27.4K €24.4K

$29.7K A$42.4K

-7.77%

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

$33.8K €30.1K

$25.4K A$36.3K

32.71%

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

$115 €103

$207 A$295

-44.30%

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

$30.72 €27.41

$27.77 A$39.64

10.62%

Internet (50+ Mbps, Unlimited Data)

$35.87 €32.00

$57.1 A$81.6

-37.22%

Gym Membership (Monthly)

$56.5 €50.4

$31.65 A$45.18

78.58%

Tennis Court (1 Hour on Weekend)

$18.36 €16.38

$11.37 A$16.22

61.48%

Cinema Ticket

$9.97 €8.89

$15.14 A$21.60

-34.15%

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

$281 €251

$2,198 A$3,137

-87.21%

International Primary School, 1 Child (Yearly)

$11.1K €9,928

$30.0K A$42.8K

-62.85%

Jeans (Levis 501 Or Similar)

$54.3 €48.42

$70.6 A$101

-23.15%

Summer Dress (H&M, Zara, etc)

$62.3 €55.6

$49.59 A$70.8

25.57%

Sport Shoes (Adidas, Nike)

$79.6 €71.0

$100 A$143

-20.59%

Men's Leather Business Shoes

$127 €113

$134 A$191

-4.80%

1-bedroom Apartment, City Center (Monthly)

$1,208 €1,078

$903 A$1,289

33.77%

1-bedroom Apartment, Outside City Center (Monthly)

$969 €865

$673 A$961

43.98%

3-bedroom Apartment, City Center (Monthly)

$2,283 €2,037

$1,290 A$1,842

76.88%

3-bedroom Apartment, Outside City Center (Monthly)

$1,660 €1,481

$1,454 A$2,075

14.18%

Buy Apartment in City Center (m2)

$5,659 €5,049

$4,809 A$6,863

17.68%

Buy Apartment Outside City Center (m2)

$2,828 €2,523

$3,452 A$4,927

-18.08%

Average Monthly Net Salary (After Tax)

$1,745 €1,556

$3,185 A$4,545

-45.22%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.05

5.55

-27.03%

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

Last update for San Gwann: October 25, 2026

Last update for Ballarat: October 25, 2026

Monthly budget structure

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

Accommodation & Living

San Gwann

$969 47.6%

Ballarat

$673 35.3% 30.5% $296

Groceries & Markets

San Gwann

$336 16.5%

Ballarat

$354 18.5% 5.3% $18

Eating Out

San Gwann

$292 14.3%

Ballarat

$276 14.5% 5.3% $16

Monthly Utilities & Internet

San Gwann

$182 8.9%

Ballarat

$292 15.3% 60.5% $110

Clothing & Footwear

San Gwann

$145 7.1%

Ballarat

$159 8.4% 9.5% $14

Sport & Entertainment

San Gwann

$76 3.8%

Ballarat

$62 3.3% 19% $15

Getting Around

San Gwann

$37 1.8%

Ballarat

$91 4.8% 150% $55

Cost Breakdown

A one-bedroom apartment in the center runs $1,208 in San Gwann and $903 in Ballarat. Housing cost is often the main lever when comparing two cities.

Ballarat pays 83% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $68 in San Gwann vs $70 in Ballarat for a mid-range dinner for two. Groceries echo the gap at $336 vs $354 per month, with San Gwann cheaper across the board.

Good to know

🇲🇹 San Gwann

🇦🇺 Ballarat

🕒 Local time

15:01 3:01 PM

01:01 1:01 AM

10 h ahead of San Gwann

🌤 Weather

👥 Population

12,523

105,348

💱 Currency

Euro EUR €

Australian Dollar AUD $

📈 Exchange rate

1 EUR = 1.12 USD

1 AUD = 0.701 USD

1 AUD = 0.628 EUR

Exchange rates and currency converter

AUD, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of November 2, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

Australian Dollar exchange rates as of November 2, 2026: 1 USD = 1.43 AUD (1 AUD = 0.701 USD). 1 EUR = 1.59 AUD (1 AUD = 0.628 EUR).

USD to EUR in detail →

On the map

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Between locations

San Gwann Ballarat 15,560 km ≈ 20 h nonstop flight

From you

San Gwann
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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

San Gwann vs Ballarat: Cost of Living - Frequently Asked Questions

Ballarat wins on cost – living expenses run 6% lower than in San Gwann. Housing and daily spending are where you’ll feel the difference most, making Ballarat the obvious pick if budget is a priority.

On paper, salaries run 45% lower in San Gwann. 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: $1,208 in San Gwann versus $903 in Ballarat. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $281 in San Gwann versus $2,198 in Ballarat. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Shoppers in San Gwann pay roughly 5% less for everyday groceries. It’s an unusual reversal that partly offsets higher costs elsewhere.

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, San Gwann and Ballarat are both considered safe, so it’s unlikely to be the deciding factor between them.