Last update: Oct 2026

Cost of Living Comparison Between Split and Hamilton

For one person, living is cheaper in Hamilton: $1,647 a month against $1,822 in Split, rent and utilities included – about $2,100 less a year. Rent and utilities account for most of the difference.

89

Cost of Living Index in Split
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Split Living Index
80

Cost of Living Index in Hamilton
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Hamilton Living Index

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Split

🇭🇷 Croatia

$1,822

/mo nomad

Hamilton

🇳🇿 New Zealand

$1,647

/mo nomad

Monthly Cost of Living

How much you'll spend in Split and in Hamilton

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 Hamilton actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,822 in Split versus $1,647 in Hamilton.

Split $1,822
Hamilton $1,647

Estimated couple costs with rent: $2,797 in Split versus $2,571 in Hamilton.

Split $2,797
Hamilton $2,571

Monthly costs for a family of three with rent: $3,771 in Split versus $3,496 in Hamilton.

Split $3,771
Hamilton $3,496

Living in Split is roughly 11% more expensive than in Hamilton, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Split 35% above, Hamilton 22% above.

Meal at Budget Restaurant

$16.50 €14.68

$11.78 NZ$20.83

40.07%

Three-Course Dinner for Two, Mid-Range

$73.4 €65.3

$73.6 NZ$130

-0.20%

Fast Food Meal (McDonalds, etc)

$11.32 €10.07

$8.47 NZ$14.98

33.65%

Cappuccino

$2.74 €2.44

$3.32 NZ$5.86

-17.47%

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

$4.10 €3.65

$2.26 NZ$3.99

81.42%

Water (0.33 liter bottle)

$2.87 €2.55

$2.38 NZ$4.20

20.59%

Local Beer (0.5 liter draught)

$4.63 €4.12

$6.24 NZ$11.04

-25.80%

Imported Beer (0.33 liter bottle)

$5.15 €4.58

$5.44 NZ$9.63

-5.33%

Milk (1 liter)

$1.27 €1.13

$1.46 NZ$2.59

-13.01%

White Bread (500g)

$2.13 €1.89

$1.25 NZ$2.20

70.40%

Rice (white) (1kg)

$3.59 €3.19

$1.96 NZ$3.46

83.16%

Eggs

$4.15 €3.70

$5.25 NZ$9.29

-20.95%

Local Cheese (1kg)

$13.87 €12.34

$5.56 NZ$9.84

149.46%

Chicken Fillets (1kg)

$9.59 €8.53

$7.32 NZ$12.95

31.01%

Beef Round Steak (1kg)

$13.18 €11.73

$11.83 NZ$20.92

11.41%

Apples (1kg)

$2.13 €1.90

$2.64 NZ$4.68

-19.32%

Banana (1kg)

$1.84 €1.64

$2.29 NZ$4.05

-19.65%

Oranges (1kg)

$1.89 €1.68

$3.22 NZ$5.70

-41.30%

Tomato (1kg)

$2.86 €2.54

$6.30 NZ$11.14

-54.60%

Potato (1kg)

$1.59 €1.42

$1.97 NZ$3.48

-19.29%

Onion (1kg)

$1.15 €1.02

$1.39 NZ$2.46

-17.27%

Lettuce (1 head)

$1.30 €1.15

$2.56 NZ$4.52

-49.22%

Water (1.5 liter bottle)

$1.25 €1.11

$0.96 NZ$1.70

30.21%

Cigarettes 20 Pack (Marlboro, Camel)

$5.72 €5.09

$24.97 NZ$44.16

-77.09%

Wine (Bottle)

$9.09 €8.08

$10.71 NZ$18.95

-15.13%

Local Beer (0.5 liter bottle)

$1.74 €1.55

$3.88 NZ$6.87

-55.15%

Imported Beer (0.33 liter bottle)

$2.31 €2.05

$3.93 NZ$6.95

-41.22%

One-way Ticket (Public Transport)

$1.65 €1.47

$1.42 NZ$2.52

16.20%

Public Transport Monthly Pass (Regular Price)

$39.56 €35.19

$40.33 NZ$71.3

-1.91%

Taxi Start (Normal Tariff)

$3.59 €3.20

$3.52 NZ$6.22

1.99%

Taxi (Normal Tariff) (1km)

$2.10 €1.87

Taxi 1hour Waiting (Normal Tariff)

$29.27 €26.04

Gasoline (1 liter)

$1.85 €1.64

$1.70 NZ$3.01

8.82%

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

$28.2K €25.1K

$26.4K NZ$46.6K

6.91%

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

$24.9K €22.1K

$23.1K NZ$40.9K

7.69%

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

$207 €184

$56.1 NZ$99.2

268.40%

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

$19.93 €17.73

$35.89 NZ$63.5

-44.47%

Internet (50+ Mbps, Unlimited Data)

$41.20 €36.65

$54.2 NZ$95.8

-23.93%

Gym Membership (Monthly)

$62.2 €55.3

$25.00 NZ$44.21

148.64%

Tennis Court (1 Hour on Weekend)

$12.92 €11.50

$28.03 NZ$49.58

-53.91%

Cinema Ticket

$9.15 €8.14

$13.86 NZ$24.52

-33.98%

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

$604 €537

$666 NZ$1,178

-9.39%

International Primary School, 1 Child (Yearly)

$11.9K €10.5K

$22.4K NZ$39.6K

-47.05%

Jeans (Levis 501 Or Similar)

$92.3 €82.1

$60.8 NZ$108

51.86%

Summer Dress (H&M, Zara, etc)

$40.17 €35.73

$37.29 NZ$65.9

7.72%

Sport Shoes (Adidas, Nike)

$112 €99.7

$92.0 NZ$163

21.80%

Men's Leather Business Shoes

$96.1 €85.5

$104 NZ$183

-7.34%

1-bedroom Apartment, City Center (Monthly)

$1,024 €911

$1,082 NZ$1,913

-5.33%

1-bedroom Apartment, Outside City Center (Monthly)

$704 €626

$751 NZ$1,327

-6.20%

3-bedroom Apartment, City Center (Monthly)

$1,942 €1,728

$1,488 NZ$2,632

30.50%

3-bedroom Apartment, Outside City Center (Monthly)

$1,275 €1,134

$1,309 NZ$2,314

-2.59%

Buy Apartment in City Center (m2)

$7,185 €6,391

$3,890 NZ$6,880

84.70%

Buy Apartment Outside City Center (m2)

$5,032 €4,476

$4,506 NZ$7,969

11.68%

Average Monthly Net Salary (After Tax)

$1,576 €1,402

$2,634 NZ$4,658

-40.14%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.44

6.83

-49.63%

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

Last update for Split: October 11, 2026

Last update for Hamilton: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Split

$704 38.6%

Hamilton

$751 45.6% 6.6% $47

Groceries & Markets

Split

$296 16.3%

Hamilton

$295 17.9% 0.4% $1.2

Monthly Utilities & Internet

Split

$268 14.7%

Hamilton

$146 8.9% 45.4% $122

Eating Out

Split

$260 14.3%

Hamilton

$220 13.4% 15.4% $40

Clothing & Footwear

Split

$153 8.4%

Hamilton

$132 8% 13.8% $21

Sport & Entertainment

Split

$80 4.4%

Hamilton

$53 3.2% 34.5% $28

Getting Around

Split

$60 3.3%

Hamilton

$50 * 3% 17.8% $11

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 $1,082 in Hamilton. Housing cost is often the main lever when comparing two cities.

Hamilton pays 67% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $73.0 in Split vs $74.0 in Hamilton. Groceries flip the comparison at $296 vs $295, with Hamilton cheaper for home cooking.

Good to know

🇭🇷 Split

🇳🇿 Hamilton

🕒 Local time

17:53 5:53 PM

04:53 4:53 AM

11 h ahead of Split

🌤 Weather

👥 Population

149,830

169,500

💱 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

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Between locations

Split Hamilton 18,130 km ≈ 23 h nonstop flight

From you

Split
Hamilton

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 Hamilton: Cost of Living - Frequently Asked Questions

Hamilton is cheaper overall, especially in groceries, eating out, and clothing. The 11% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 67% lower in Hamilton. 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 $1,082 in Hamilton. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Hamilton – a meal for two runs $74.0 versus $73.0 in Split. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,822 per month in Split versus $1,647 in Hamilton – a 11% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,647 in Hamilton versus $1,822 in Split, a $2,500 budget is realistic in Hamilton but tight or insufficient in Split. The gap between the two cities makes Hamilton the clear choice for anyone on this budget.

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

Safety-wise, Split and Hamilton 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 Hamilton gentler on the wallet – expenses run 11% less than in Split. Beyond cost, consider language, visa policies, and how big the international community is in each city.