Last update: Oct 2026

Cost of Living Comparison Between Split and Cambridge

For one person, living is cheaper in Split: $1,822 a month against $2,044 in Cambridge, rent and utilities included – about $2,700 less a year. Higher rent and utilities in Cambridge outweigh lower spending on other living expenses.

89

Cost of Living Index in Split
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Split Living Index
99

Cost of Living Index in Cambridge
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Cambridge Living Index

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Split

🇭🇷 Croatia

$1,822

/mo nomad

Cambridge

🇳🇿 New Zealand

$2,044

/mo nomad

Monthly Cost of Living

How much you'll spend in Split and in Cambridge

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

Monthly costs for one person with rent: $1,822 in Split versus $2,044 in Cambridge.

Split $1,822
Cambridge $2,044

Estimated couple costs with rent: $2,797 in Split versus $2,830 in Cambridge.

Split $2,797
Cambridge $2,830

Monthly costs for a family of three with rent: $3,771 in Split versus $3,617 in Cambridge.

Split $3,771
Cambridge $3,617

Living in Split costs roughly 11% less than in Cambridge, and outside of rent the biggest gap is in leisure.

Both cities are pricier than the global median: Split 35% above, Cambridge 51% above.

Meal at Budget Restaurant

$16.50 €14.68

$13.75 NZ$24.32

20.00%

Three-Course Dinner for Two, Mid-Range

$73.4 €65.3

$68.4 NZ$121

7.34%

Fast Food Meal (McDonalds, etc)

$11.32 €10.07

$8.74 NZ$15.45

29.52%

Cappuccino

$2.74 €2.44

$3.45 NZ$6.10

-20.58%

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

$4.10 €3.65

$1.93 NZ$3.41

112.44%

Water (0.33 liter bottle)

$2.87 €2.55

$1.99 NZ$3.52

44.22%

Local Beer (0.5 liter draught)

$4.63 €4.12

$6.08 NZ$10.75

-23.85%

Imported Beer (0.33 liter bottle)

$5.15 €4.58

$6.63 NZ$11.73

-22.32%

Milk (1 liter)

$1.27 €1.13

$1.51 NZ$2.67

-15.89%

White Bread (500g)

$2.13 €1.89

$2.23 NZ$3.94

-4.48%

Rice (white) (1kg)

$3.59 €3.19

$1.89 NZ$3.34

89.95%

Eggs

$4.15 €3.70

$5.95 NZ$10.53

-30.25%

Local Cheese (1kg)

$13.87 €12.34

$8.33 NZ$14.73

66.51%

Chicken Fillets (1kg)

$9.59 €8.53

$9.43 NZ$16.68

1.70%

Beef Round Steak (1kg)

$13.18 €11.73

$13.01 NZ$23.01

1.31%

Apples (1kg)

$2.13 €1.90

$2.55 NZ$4.50

-16.47%

Banana (1kg)

$1.84 €1.64

$2.28 NZ$4.04

-19.30%

Oranges (1kg)

$1.89 €1.68

$3.02 NZ$5.34

-37.42%

Tomato (1kg)

$2.86 €2.54

$5.65 NZ$9.99

-49.38%

Potato (1kg)

$1.59 €1.42

$2.11 NZ$3.73

-24.64%

Onion (1kg)

$1.15 €1.02

$1.56 NZ$2.76

-26.28%

Lettuce (1 head)

$1.30 €1.15

$2.27 NZ$4.02

-42.73%

Water (1.5 liter bottle)

$1.25 €1.11

$1.08 NZ$1.92

15.74%

Cigarettes 20 Pack (Marlboro, Camel)

$5.72 €5.09

$25.11 NZ$44.41

-77.22%

Wine (Bottle)

$9.09 €8.08

$10.40 NZ$18.39

-12.60%

Local Beer (0.5 liter bottle)

$1.74 €1.55

$3.44 NZ$6.08

-49.42%

Imported Beer (0.33 liter bottle)

$2.31 €2.05

$3.84 NZ$6.79

-39.84%

One-way Ticket (Public Transport)

$1.65 €1.47

$2.72 NZ$4.81

-39.34%

Public Transport Monthly Pass (Regular Price)

$39.56 €35.19

Taxi Start (Normal Tariff)

$3.59 €3.20

$2.18 NZ$3.85

64.68%

Taxi (Normal Tariff) (1km)

$2.10 €1.87

$1.94 NZ$3.43

8.25%

Taxi 1hour Waiting (Normal Tariff)

$29.27 €26.04

$31.37 NZ$55.5

-6.69%

Gasoline (1 liter)

$1.85 €1.64

$1.70 NZ$3.00

8.82%

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

$28.2K €25.1K

$25.1K NZ$44.4K

12.14%

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

$24.9K €22.1K

$22.1K NZ$39.1K

12.53%

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

$207 €184

$99.4 NZ$176

107.83%

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

$19.93 €17.73

$26.44 NZ$46.77

-24.62%

Internet (50+ Mbps, Unlimited Data)

$41.20 €36.65

$50.8 NZ$89.8

-18.87%

Gym Membership (Monthly)

$62.2 €55.3

Tennis Court (1 Hour on Weekend)

$12.92 €11.50

Cinema Ticket

$9.15 €8.14

$13.51 NZ$23.90

-32.27%

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

$604 €537

$673 NZ$1,190

-10.27%

International Primary School, 1 Child (Yearly)

$11.9K €10.5K

$19.3K NZ$34.1K

-38.58%

Jeans (Levis 501 Or Similar)

$92.3 €82.1

$62.0 NZ$110

48.82%

Summer Dress (H&M, Zara, etc)

$40.17 €35.73

$37.37 NZ$66.1

7.49%

Sport Shoes (Adidas, Nike)

$112 €99.7

$93.1 NZ$165

20.45%

Men's Leather Business Shoes

$96.1 €85.5

$105 NZ$186

-8.80%

1-bedroom Apartment, City Center (Monthly)

$1,024 €911

$584 NZ$1,033

75.32%

1-bedroom Apartment, Outside City Center (Monthly)

$704 €626

$1,122 NZ$1,985

-37.26%

3-bedroom Apartment, City Center (Monthly)

$1,942 €1,728

$1,158 NZ$2,048

67.70%

3-bedroom Apartment, Outside City Center (Monthly)

$1,275 €1,134

$1,449 NZ$2,563

-12.06%

Buy Apartment in City Center (m2)

$7,185 €6,391

$4,539 NZ$8,027

58.30%

Buy Apartment Outside City Center (m2)

$5,032 €4,476

$3,931 NZ$6,953

28.00%

Average Monthly Net Salary (After Tax)

$1,576 €1,402

$2,585 NZ$4,571

-39.01%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.44

-42.67%

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

Last update for Split: October 11, 2026

Last update for Cambridge: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Split

$704 38.6%

Cambridge

$1.1K 54.9% 59.4% $418

Groceries & Markets

Split

$296 16.3%

Cambridge

$324 15.9% 9.3% $27

Monthly Utilities & Internet

Split

$268 14.7%

Cambridge

$177 8.6% 34% $91

Eating Out

Split

$260 14.3%

Cambridge

$237 11.6% 8.9% $23

Clothing & Footwear

Split

$153 8.4%

Cambridge

$134 6.6% 12.6% $19

Sport & Entertainment

Split

$80 4.4%

Cambridge

$27 * 1.3% 66.4% $53

Getting Around

Split

$60 3.3%

Cambridge

$23 * 1.1% 62.2% $37

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

Cost Breakdown

A one-bedroom apartment in the center runs $1,024 in Split and $584 in Cambridge. Housing cost is often the main lever when comparing two cities.

Cambridge pays 64% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $73.0 in Split vs $68.0 in Cambridge. Groceries flip the comparison at $296 vs $324, with Split cheaper for home cooking.

Good to know

🇭🇷 Split

🇳🇿 Cambridge

🕒 Local time

17:53 5:53 PM

04:53 4:53 AM

11 h ahead of Split

🌤 Weather

👥 Population

149,830

21,400

💱 Currency

Euro EUR €

New Zealand Dollar NZD $

📈 Exchange rate

1 EUR = 1.12 USD

1 NZD = 0.565 USD

1 NZD = 0.503 EUR

Exchange rates and currency converter

NZD, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 17, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

New Zealand Dollar exchange rates as of October 17, 2026: 1 USD = 1.77 NZD (1 NZD = 0.565 USD). 1 EUR = 1.99 NZD (1 NZD = 0.503 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Split Cambridge 18,150 km ≈ 23 h nonstop flight

From you

Split
Cambridge

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

Split vs Cambridge: Cost of Living - Frequently Asked Questions

Split is cheaper overall, especially in groceries and utilities. The 12% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 64% lower in Cambridge. 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: $1,024 in Split versus $584 in Cambridge. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $604 in Split versus $673 in Cambridge. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Split – a meal for two runs $73.0 versus $68.0 in Cambridge. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,822 in Split versus $2,044 in Cambridge, a $2,500 budget is realistic in Split but tight or insufficient in Cambridge. The gap between the two cities makes Split the clear choice for anyone on this budget.

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

Safety-wise, Split and Cambridge 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 Split gentler on the wallet – expenses run 12% less than in Cambridge. Beyond cost, consider language, visa policies, and how big the international community is in each city.