Cost of Living Comparison Between Split and Umag Cost of Living Comparison Between Split and Umag

Monthly Cost of Living

A single person spends $1,820 per month in Split vs $1,470 in Umag, rent included.

A couple spends around $2,787 per month in Split vs $2,288 in Umag, rent included.

A family of three spends $3,754 per month in Split vs $3,106 in Umag, rent included.

Split costs about 24% more than Umag, driven mainly by Eating Out.

Both Split and Umag sit above the global median – Split by 36%, Umag by 10%.

Meal at Budget Restaurant

$17.68 €15.42

$11.63 €10.15

52.02%

Three-Course Dinner for Two, Mid-Range

$82.1 €71.6

$68.9 €60.1

19.16%

Fast Food Meal (McDonalds, etc)

$9.43 €8.22

$9.46 €8.25

-0.32%

Cappuccino

$2.90 €2.53

$2.37 €2.07

22.36%

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

$3.45 €3.01

$3.01 €2.62

14.62%

Water (0.33 liter bottle)

$2.84 €2.48

$2.28 €1.99

24.56%

Local Beer (0.5 liter draught)

$5.46 €4.77

$3.79 €3.31

44.06%

Imported Beer (0.33 liter bottle)

$5.05 €4.40

$4.49 €3.92

12.47%

Milk (1 liter)

$1.39 €1.21

$1.30 €1.13

6.92%

White Bread (500g)

$1.95 €1.71

$1.96 €1.71

-0.51%

Rice (white) (1kg)

$3.72 €3.24

$2.74 €2.39

35.77%

Eggs

$3.78 €3.30

$3.75 €3.27

0.80%

Local Cheese (1kg)

$12.74 €11.12

$11.24 €9.81

13.35%

Chicken Fillets (1kg)

$9.83 €8.58

$9.82 €8.57

0.10%

Beef Round Steak (1kg)

$13.96 €12.18

$12.72 €11.10

9.75%

Apples (1kg)

$1.93 €1.69

$1.81 €1.58

6.63%

Banana (1kg)

$1.93 €1.69

$1.71 €1.49

12.87%

Oranges (1kg)

$2.39 €2.08

$1.99 €1.74

20.10%

Tomato (1kg)

$2.29 €2.00

$2.96 €2.58

-22.64%

Potato (1kg)

$1.48 €1.29

$1.45 €1.26

2.07%

Onion (1kg)

$1.43 €1.24

$1.40 €1.22

2.14%

Lettuce (1 head)

$1.43 €1.25

$1.28 €1.11

11.72%

Water (1.5 liter bottle)

$1.23 €1.08

$1.28 €1.11

-3.91%

Cigarettes 20 Pack (Marlboro, Camel)

$5.70 €4.98

$5.68 €4.96

0.35%

Wine (Bottle)

$9.54 €8.32

Local Beer (0.5 liter bottle)

$1.70 €1.48

$1.85 €1.62

-8.11%

Imported Beer (0.33 liter bottle)

$2.38 €2.08

$2.28 €1.99

4.39%

One-way Ticket (Public Transport)

$1.71 €1.49

$1.76 €1.53

-2.84%

Public Transport Monthly Pass (Regular Price)

$38.61 €33.69

$43.52 €37.97

-11.28%

Taxi Start (Normal Tariff)

$3.44 €3.00

$2.35 €2.05

46.38%

Taxi (Normal Tariff) (1km)

$2.09 €1.82

$1.02 €0.89

104.90%

Taxi 1hour Waiting (Normal Tariff)

$9.10 €7.94

$10.34 €9.02

-11.99%

Gasoline (1 liter)

$1.75 €1.53

$1.80 €1.57

-2.78%

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

$38.3K €33.4K

$34.4K €30.0K

11.34%

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

$25.9K €22.6K

$26.1K €22.8K

-0.77%

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

$208 €182

$210 €183

-1.01%

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

$23.26 €20.29

$19.47 €16.99

19.47%

Internet (50+ Mbps, Unlimited Data)

$35.63 €31.09

$32.19 €28.09

10.69%

Gym Membership (Monthly)

$59.0 €51.5

$51.7 €45.09

14.11%

Tennis Court (1 Hour on Weekend)

$14.61 €12.75

$14.65 €12.79

-0.27%

Cinema Ticket

$9.33 €8.14

$8.52 €7.43

9.51%

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

$187 €163

$243 €212

-23.21%

International Primary School, 1 Child (Yearly)

$8,936 €7,797

$13.0K €11.4K

-31.49%

Jeans (Levis 501 Or Similar)

$84.3 €73.6

$98.7 €86.1

-14.58%

Summer Dress (H&M, Zara, etc)

$39.58 €34.53

$40.37 €35.22

-1.96%

Sport Shoes (Adidas, Nike)

$109 €95.0

$96.4 €84.1

12.94%

Men's Leather Business Shoes

$107 €93.5

$116 €102

-7.92%

1-bedroom Apartment, City Center (Monthly)

$971 €847

$663 €579

46.32%

1-bedroom Apartment, Outside City Center (Monthly)

$698 €609

$469 €409

49.02%

3-bedroom Apartment, City Center (Monthly)

$1,877 €1,638

$1,051 €917

78.66%

3-bedroom Apartment, Outside City Center (Monthly)

$1,250 €1,091

$763 €666

63.85%

Buy Apartment in City Center (m2)

$7,428 €6,481

$4,191 €3,657

77.25%

Buy Apartment Outside City Center (m2)

$5,125 €4,472

$3,075 €2,683

66.67%

Average Monthly Net Salary (After Tax)

$1,673 €1,459

20-Year Fixed Mortgage Interest Rate (Annual %)

4.27

3.72

14.78%

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

Last update for Split: June 15, 2026

Last update for Umag: June 13, 2026

Cost Breakdown

A central one-bedroom costs $971 in Split versus $663 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 $82.0 in Split versus $69.0 in Umag. Monthly groceries follow the same trend: $295 vs $282 – making Umag the more affordable choice for daily food spending.

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 24%, and the gap shows up most in Eating Out. It's not just housing either; the difference applies across most spending categories.

For a comfortable life, plan on about $2,729 per month in Split and $2,206 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 5% more in Split, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $82.0 in Split and $69.0 in Umag. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Umag, where all-in costs run around $1,470, than in Split at $1,820. In Umag it covers expenses comfortably, while in Split it requires careful planning or may not stretch far enough.

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 have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Umag. If higher salaries, better infrastructure, or specific career opportunities are the priority, Split makes more sense. Both are solid long-term options with distinct trade-offs.