Last update: Oct 2026

Cost of Living Comparison Between Tbilisi and Umag

For one person, living is cheaper in Tbilisi: $1,269 a month against $1,562 in Umag, rent and utilities included – about $3,500 less a year. Rent and utilities account for about half of the difference.

61

Cost of Living Index in Tbilisi
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Tbilisi Living Index
77

Cost of Living Index in Umag
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Umag Living Index

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Tbilisi

🇬🇪 Georgia

$1,269

/mo nomad

Umag

🇭🇷 Croatia

$1,562

/mo nomad

Monthly Cost of Living

How much you'll spend in Tbilisi 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 Tbilisi and in Umag actually costs, broken down by who's living it.

A single person spends $1,269 per month in Tbilisi vs $1,562 in Umag, rent included.

Tbilisi $1,269
Umag $1,562

A couple spends around $2,016 per month in Tbilisi vs $2,448 in Umag, rent included.

Tbilisi $2,016
Umag $2,448

A family of three spends $2,763 per month in Tbilisi vs $3,333 in Umag, rent included.

Tbilisi $2,763
Umag $3,333

Tbilisi is about 19% cheaper than Umag, and outside of rent the biggest gap is in groceries.

Tbilisi sits 7% below the global median, while Umag is 15% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.63 ₾30.07

$12.16 €10.92

-4.36%

Three-Course Dinner for Two, Mid-Range

$37.83 ₾97.8

$65.3 €58.6

-42.02%

Fast Food Meal (McDonalds, etc)

$9.66 ₾24.98

$8.29 €7.44

16.53%

Cappuccino

$3.57 ₾9.24

$2.26 €2.03

57.96%

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

$1.08 ₾2.78

$2.99 €2.69

-63.88%

Water (0.33 liter bottle)

$0.56 ₾1.45

$2.28 €2.05

-75.44%

Local Beer (0.5 liter draught)

$2.62 ₾6.78

$3.34 €3.00

-21.56%

Imported Beer (0.33 liter bottle)

$3.04 ₾7.85

$4.35 €3.91

-30.11%

Milk (1 liter)

$2.17 ₾5.60

$1.30 €1.17

66.92%

White Bread (500g)

$0.80 ₾2.06

$1.57 €1.41

-49.04%

Rice (white) (1kg)

$1.74 ₾4.51

$2.80 €2.51

-37.86%

Eggs

$2.83 ₾7.31

$3.83 €3.44

-26.11%

Local Cheese (1kg)

$9.31 ₾24.07

$14.69 €13.19

-36.62%

Chicken Fillets (1kg)

$6.52 ₾16.85

$11.49 €10.32

-43.26%

Beef Round Steak (1kg)

$12.95 ₾33.50

$17.63 €15.84

-26.55%

Apples (1kg)

$1.68 ₾4.34

$2.23 €2.00

-24.66%

Banana (1kg)

$1.85 ₾4.79

$1.64 €1.48

12.80%

Oranges (1kg)

$1.97 ₾5.10

$2.21 €1.98

-10.86%

Tomato (1kg)

$2.42 ₾6.25

$2.45 €2.20

-1.22%

Potato (1kg)

$0.82 ₾2.11

$1.36 €1.22

-39.71%

Onion (1kg)

$0.74 ₾1.91

$1.26 €1.13

-41.27%

Lettuce (1 head)

$1.34 ₾3.47

$1.19 €1.07

12.61%

Water (1.5 liter bottle)

$0.77 ₾2.00

$1.28 €1.15

-39.84%

Cigarettes 20 Pack (Marlboro, Camel)

$3.57 ₾9.24

$6.09 €5.47

-41.38%

Wine (Bottle)

$7.67 ₾19.83

$11.15 €10.01

-31.21%

Local Beer (0.5 liter bottle)

$1.70 ₾4.39

$1.68 €1.51

1.19%

Imported Beer (0.33 liter bottle)

$2.40 ₾6.21

$2.45 €2.20

-2.04%

One-way Ticket (Public Transport)

$0.40 ₾1.05

$1.82 €1.64

-78.02%

Public Transport Monthly Pass (Regular Price)

$15.23 ₾39.38

$47.33 €42.51

-67.82%

Taxi Start (Normal Tariff)

$1.14 ₾2.95

$2.27 €2.04

-49.78%

Taxi (Normal Tariff) (1km)

$0.78 ₾2.02

$1.42 €1.27

-45.07%

Taxi 1hour Waiting (Normal Tariff)

$11.83 ₾30.58

$12.15 €10.91

-2.63%

Gasoline (1 liter)

$1.45 ₾3.75

$1.89 €1.70

-23.28%

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

$24.6K ₾63.6K

$27.1K €24.4K

-9.41%

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

$22.3K ₾57.8K

$25.5K €22.9K

-12.39%

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

$88.8 ₾230

$210 €189

-57.73%

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

$13.12 ₾33.93

$22.03 €19.79

-40.44%

Internet (50+ Mbps, Unlimited Data)

$19.67 ₾50.9

$37.86 €34.01

-48.05%

Gym Membership (Monthly)

$64.1 ₾166

$51.4 €46.14

24.71%

Tennis Court (1 Hour on Weekend)

$19.04 ₾49.24

$15.08 €13.54

26.26%

Cinema Ticket

$7.12 ₾18.42

$8.56 €7.69

-16.82%

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

$375 ₾971

$489 €439

-23.23%

International Primary School, 1 Child (Yearly)

$10.5K ₾27.1K

$9,869 €8,865

6.09%

Jeans (Levis 501 Or Similar)

$104 ₾268

$111 €99.9

-6.82%

Summer Dress (H&M, Zara, etc)

$39.26 ₾102

$42.52 €38.20

-7.67%

Sport Shoes (Adidas, Nike)

$117 ₾303

$103 €92.2

14.30%

Men's Leather Business Shoes

$122 ₾315

$114 €103

6.57%

1-bedroom Apartment, City Center (Monthly)

$695 ₾1,798

$602 €541

15.46%

1-bedroom Apartment, Outside City Center (Monthly)

$451 ₾1,167

$483 €434

-6.64%

3-bedroom Apartment, City Center (Monthly)

$1,355 ₾3,504

$1,252 €1,125

8.19%

3-bedroom Apartment, Outside City Center (Monthly)

$906 ₾2,343

$941 €846

-3.74%

Buy Apartment in City Center (m2)

$2,295 ₾5,934

$4,602 €4,134

-50.13%

Buy Apartment Outside City Center (m2)

$1,345 ₾3,478

$3,282 €2,948

-59.03%

Average Monthly Net Salary (After Tax)

$664 ₾1,718

20-Year Fixed Mortgage Interest Rate (Annual %)

12.62

3.3

282.42%

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

Last update for Tbilisi: October 27, 2026

Last update for Umag: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Tbilisi

$451 35.6%

Umag

$483 30.9% 7.1% $32

Groceries & Markets

Tbilisi

$234 18.4%

Umag

$314 20.1% 34.2% $80

Eating Out

Tbilisi

$191 15%

Umag

$196 12.5% 2.7% $5.1

Clothing & Footwear

Tbilisi

$172 13.5%

Umag

$167 10.7% 3% $5.1

Monthly Utilities & Internet

Tbilisi

$122 9.6%

Umag

$270 17.3% 122% $148

Sport & Entertainment

Tbilisi

$78 6.2%

Umag

$68 4.4% 12.5% $9.8

Getting Around

Tbilisi

$22 1.7%

Umag

$64 4.1% 192% $42

Cost Breakdown

A central one-bedroom costs $695 in Tbilisi versus $602 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 $38 in Tbilisi versus $65 in Umag. Monthly groceries follow the same trend: $234 vs $314 – making Tbilisi the more affordable choice for daily food spending.

Good to know

🇬🇪 Tbilisi

🇭🇷 Umag

🕒 Local time

00:32 12:32 AM

21:32 9:32 PM

3 h behind Tbilisi

🌤 Weather

👥 Population

1,241,700 Capital

13,000

💱 Currency

Georgian Lari GEL ₾

Euro EUR €

📈 Exchange rate

1 GEL = 0.387 USD

1 GEL = 0.347 EUR

1 EUR = 1.11 USD

Exchange rates and currency converter

EUR, USD to GEL – Georgian Lari Converter

🇺🇸 United States Dollar ($)

🇬🇪 Georgian Lari (₾)

Georgian Lari exchange rates as of October 28, 2026: 1 USD = 2.59 GEL (1 GEL = 0.387 USD). 1 EUR = 2.88 GEL (1 GEL = 0.347 EUR).

Euro exchange rates as of October 28, 2026: 1 USD = 0.898 EUR (1 EUR = 1.11 USD).

USD to GEL in detail →

On the map

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Between locations

Tbilisi Umag 2,540 km ≈ 3 h 45 min nonstop flight

From you

Tbilisi
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

Tbilisi vs Umag: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,269 in Tbilisi, $1,562 in Umag – Tbilisi comes out roughly 19% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,904 per month in Tbilisi and $2,343 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 $602 there versus $695 in Tbilisi.

A mid-range dinner for two costs $38 in Tbilisi and $65 in Umag. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,269 in Tbilisi and $1,562 in Umag. That makes Tbilisi about 19% cheaper.

$2,000 covers both cities comfortably – all-in costs are $1,269 in Tbilisi and $1,562 in Umag, leaving budget for savings and extras in both cases.

It depends on your priorities. Tbilisi has an edge in some lifestyle areas, with costs from $1,269 in Tbilisi to $1,562 in Umag. Climate, culture, job market, and personal taste all factor in.

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