Last update: Nov 2026

Cost of Living Comparison Between Split and Umag

For one person, living is cheaper in Umag: $1,607 a month against $1,852 in Split, rent and utilities included – about $2,900 less a year. Rent and utilities account for most of the difference.

88

Cost of Living Index in Split
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Split Living Index
77

Cost of Living Index in Umag
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Umag Living Index

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Split

🇭🇷 Croatia

$1,852

/mo nomad

Umag

🇭🇷 Croatia

$1,607

/mo nomad

Monthly Cost of Living

How much you'll spend in Split and in Umag

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

A single person spends $1,852 per month in Split vs $1,607 in Umag, rent included.

Split $1,852
Umag $1,607

A couple spends around $2,830 per month in Split vs $2,444 in Umag, rent included.

Split $2,830
Umag $2,444

A family of three spends $3,808 per month in Split vs $3,280 in Umag, rent included.

Split $3,808
Umag $3,280

Split costs about 15% more than Umag, and outside of rent the biggest gap is in eating out.

Both Split and Umag sit above the global median – Split by 37%, Umag by 19%.

Meal at Budget Restaurant

$16.68 €14.86

$12.42 €11.07

34.30%

Three-Course Dinner for Two, Mid-Range

$73.8 €65.8

$64.3 €57.3

14.75%

Fast Food Meal (McDonalds, etc)

$11.36 €10.12

$7.93 €7.07

43.25%

Cappuccino

$2.80 €2.50

$2.19 €1.95

27.85%

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

$3.95 €3.52

$3.06 €2.73

29.08%

Water (0.33 liter bottle)

$2.99 €2.66

$2.18 €1.94

37.16%

Local Beer (0.5 liter draught)

$4.88 €4.35

$3.30 €2.94

47.88%

Imported Beer (0.33 liter bottle)

$4.96 €4.42

$4.55 €4.05

9.01%

Milk (1 liter)

$1.24 €1.10

$1.31 €1.17

-5.34%

White Bread (500g)

$2.17 €1.94

$1.58 €1.41

37.34%

Rice (white) (1kg)

$3.55 €3.16

$2.78 €2.47

27.70%

Eggs

$4.16 €3.71

$3.95 €3.52

5.32%

Local Cheese (1kg)

$12.97 €11.55

$14.74 €13.13

-12.01%

Chicken Fillets (1kg)

$9.24 €8.23

$11.82 €10.53

-21.83%

Beef Round Steak (1kg)

$13.03 €11.61

$17.68 €15.75

-26.30%

Apples (1kg)

$2.17 €1.93

$2.21 €1.97

-1.81%

Banana (1kg)

$1.84 €1.64

$1.74 €1.55

5.75%

Oranges (1kg)

$1.84 €1.64

$2.18 €1.94

-15.60%

Tomato (1kg)

$2.86 €2.54

$2.47 €2.20

15.79%

Potato (1kg)

$1.57 €1.40

$1.40 €1.25

12.14%

Onion (1kg)

$1.22 €1.09

$1.26 €1.12

-3.17%

Lettuce (1 head)

$1.34 €1.20

$1.24 €1.10

8.06%

Water (1.5 liter bottle)

$1.22 €1.09

$1.34 €1.20

-8.96%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 €5.15

$5.92 €5.27

-2.36%

Wine (Bottle)

$9.10 €8.11

$11.31 €10.08

-19.54%

Local Beer (0.5 liter bottle)

$1.67 €1.49

$1.70 €1.52

-1.76%

Imported Beer (0.33 liter bottle)

$2.18 €1.95

$2.39 €2.13

-8.79%

One-way Ticket (Public Transport)

$1.64 €1.46

$1.74 €1.55

-5.75%

Public Transport Monthly Pass (Regular Price)

$38.78 €34.54

$44.20 €39.37

-12.26%

Taxi Start (Normal Tariff)

$3.82 €3.40

$2.20 €1.96

73.64%

Taxi (Normal Tariff) (1km)

$2.11 €1.88

$1.42 €1.26

48.59%

Taxi 1hour Waiting (Normal Tariff)

$29.80 €26.55

$12.15 €10.82

145.27%

Gasoline (1 liter)

$1.94 €1.72

$1.89 €1.68

2.65%

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

$28.0K €24.9K

$28.1K €25.1K

-0.54%

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

$24.2K €21.6K

$25.7K €22.9K

-5.90%

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

$206 €184

$212 €189

-3.03%

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

$20.39 €18.16

$22.23 €19.81

-8.28%

Internet (50+ Mbps, Unlimited Data)

$41.49 €36.96

$38.08 €33.92

8.95%

Gym Membership (Monthly)

$62.1 €55.3

$52.8 €47.02

17.62%

Tennis Court (1 Hour on Weekend)

$13.19 €11.75

$15.11 €13.46

-12.71%

Cinema Ticket

$10.56 €9.41

$8.47 €7.54

24.68%

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

$607 €541

$493 €440

23.10%

International Primary School, 1 Child (Yearly)

$13.3K €11.9K

$9,752 €8,687

36.68%

Jeans (Levis 501 Or Similar)

$93.9 €83.7

$107 €95.4

-12.25%

Summer Dress (H&M, Zara, etc)

$40.69 €36.25

$42.90 €38.21

-5.15%

Sport Shoes (Adidas, Nike)

$118 €105

$102 €90.6

15.77%

Men's Leather Business Shoes

$95.7 €85.2

$110 €98.2

-13.22%

1-bedroom Apartment, City Center (Monthly)

$1,004 €895

$687 €612

46.25%

1-bedroom Apartment, Outside City Center (Monthly)

$730 €650

$527 €470

38.52%

3-bedroom Apartment, City Center (Monthly)

$1,943 €1,731

$1,180 €1,051

64.72%

3-bedroom Apartment, Outside City Center (Monthly)

$1,303 €1,161

$891 €794

46.30%

Buy Apartment in City Center (m2)

$7,189 €6,404

$4,048 €3,606

77.58%

Buy Apartment Outside City Center (m2)

$5,241 €4,669

$2,912 €2,594

79.98%

Average Monthly Net Salary (After Tax)

$1,633 €1,455

20-Year Fixed Mortgage Interest Rate (Annual %)

3.44

3.3

4.24%

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

Last update for Split: November 2, 2026

Last update for Umag: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Split

$730 39.4%

Umag

$527 32.8% 27.8% $203

Groceries & Markets

Split

$291 15.7%

Umag

$318 19.8% 9.5% $28

Monthly Utilities & Internet

Split

$268 14.5%

Umag

$273 17% 1.8% $4.9

Eating Out

Split

$263 14.2%

Umag

$196 12.2% 25.5% $67

Clothing & Footwear

Split

$157 8.5%

Umag

$163 10.1% 4% $6.2

Sport & Entertainment

Split

$83 4.5%

Umag

$70 4.3% 16.2% $13

Getting Around

Split

$60 3.2%

Umag

$60 3.8% 1.3% $0.8

Cost Breakdown

A central one-bedroom costs $1,004 in Split versus $687 in Umag. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $74 in Split versus $64 in Umag. Groceries tell a different story – $291 in Split vs $318 in Umag – so Split wins on supermarket bills even if dining out costs more.

Good to know

🇭🇷 Split

🇭🇷 Umag

🕒 Local time

19:05 7:05 PM

Same time as Split

🌤 Weather

👥 Population

149,830

13,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Split Umag 310 km

From you

Split
Umag

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 Umag: Cost of Living - Frequently Asked Questions

Yes – Split is pricier by about 15%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,778 per month in Split and $2,411 in Umag. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Umag, especially for central apartments: a one-bedroom in the center costs $687 there versus $1,004 in Split.

Interestingly, groceries are about 9% cheaper in Split – one category where the pricier city actually offers better value.

A mid-range dinner for two costs $74 in Split and $64 in Umag. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Families tend to lean toward Umag – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.