Cost of Living Comparison Between Tivat and Harstad Cost of Living Comparison Between Tivat and Harstad

Monthly Cost of Living

Monthly costs for one person with rent: $1,601 in Tivat versus $2,424 in Harstad.

Estimated couple costs with rent: $2,382 in Tivat versus $3,691 in Harstad.

Monthly costs for a family of three with rent: $3,163 in Tivat versus $4,957 in Harstad.

Living in Tivat costs roughly 34% less than in Harstad, driven mainly by Groceries & Markets.

Both cities are pricier than the global median: Tivat 20% above, Harstad 81% above.

Meal at Budget Restaurant

$14.05 €12.27

$13.40 NOK 129

4.85%

Three-Course Dinner for Two, Mid-Range

$45.49 €39.74

$120 NOK 1,158

-62.15%

Fast Food Meal (McDonalds, etc)

$10.07 €8.80

$15.02 NOK 145

-32.96%

Cappuccino

$2.82 €2.46

$6.02 NOK 58.0

-53.16%

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

$2.27 €1.98

$3.60 NOK 34.67

-36.94%

Water (0.33 liter bottle)

$1.43 €1.25

$2.97 NOK 28.64

-51.85%

Local Beer (0.5 liter draught)

$2.92 €2.55

$11.02 NOK 106

-73.50%

Imported Beer (0.33 liter bottle)

$3.43 €3.00

$11.02 NOK 106

-68.87%

Milk (1 liter)

$1.41 €1.24

$2.33 NOK 22.49

-39.48%

White Bread (500g)

$1.12 €0.98

$3.19 NOK 30.71

-64.89%

Rice (white) (1kg)

$2.31 €2.02

$3.01 NOK 29.02

-23.26%

Eggs

$3.14 €2.75

$4.15 NOK 39.93

-24.34%

Local Cheese (1kg)

$8.92 €7.80

$10.49 NOK 101

-14.97%

Chicken Fillets (1kg)

$8.04 €7.03

$15.21 NOK 146

-47.14%

Beef Round Steak (1kg)

$11.93 €10.42

$37.47 NOK 361

-68.16%

Apples (1kg)

$1.52 €1.33

$3.96 NOK 38.19

-61.62%

Banana (1kg)

$1.73 €1.51

$2.76 NOK 26.55

-37.32%

Oranges (1kg)

$1.68 €1.46

$3.46 NOK 33.36

-51.45%

Tomato (1kg)

$2.84 €2.48

$4.66 NOK 44.87

-39.06%

Potato (1kg)

$1.08 €0.94

$2.08 NOK 20.01

-48.08%

Onion (1kg)

$1.13 €0.99

$2.07 NOK 19.95

-45.41%

Lettuce (1 head)

$1.95 €1.70

$2.73 NOK 26.29

-28.57%

Water (1.5 liter bottle)

$1.19 €1.04

$1.70 NOK 16.40

-30.00%

Cigarettes 20 Pack (Marlboro, Camel)

$4.34 €3.79

$14.71 NOK 142

-70.50%

Wine (Bottle)

$6.73 €5.88

$15.23 NOK 147

-55.81%

Local Beer (0.5 liter bottle)

$1.29 €1.13

$3.65 NOK 35.15

-64.66%

Imported Beer (0.33 liter bottle)

$1.87 €1.64

$4.68 NOK 45.12

-60.04%

One-way Ticket (Public Transport)

$1.77 €1.54

$6.00 NOK 57.8

-70.50%

Public Transport Monthly Pass (Regular Price)

$40.14 €35.07

$80.5 NOK 776

-50.16%

Taxi Start (Normal Tariff)

$1.14 €1.00

$12.88 NOK 124

-91.15%

Taxi (Normal Tariff) (1km)

$1.03 €0.90

$1.44 NOK 13.91

-28.47%

Taxi 1hour Waiting (Normal Tariff)

$11.70 €10.22

$51.3 NOK 494

-77.19%

Gasoline (1 liter)

$1.75 €1.52

$2.21 NOK 21.28

-20.81%

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

$28.5K €24.9K

$33.1K NOK 318.7K

-13.99%

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

$29.3K €25.6K

$30.1K NOK 290.3K

-2.76%

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

$140 €122

$162 NOK 1,559

-13.40%

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

$18.21 €15.91

$32.61 NOK 314

-44.16%

Internet (50+ Mbps, Unlimited Data)

$32.88 €28.73

$76.5 NOK 737

-57.03%

Gym Membership (Monthly)

$51.3 €44.79

$49.10 NOK 473

4.40%

Tennis Court (1 Hour on Weekend)

$16.06 €14.03

$34.81 NOK 335

-53.86%

Cinema Ticket

$5.67 €4.95

$16.86 NOK 162

-66.37%

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

$420 €367

$335 NOK 3,223

25.49%

International Primary School, 1 Child (Yearly)

$10.2K €8,953

$5,004 NOK 48.2K

104.79%

Jeans (Levis 501 Or Similar)

$84.1 €73.5

$77.3 NOK 744

8.79%

Summer Dress (H&M, Zara, etc)

$38.70 €33.81

$32.68 NOK 315

18.42%

Sport Shoes (Adidas, Nike)

$113 €98.8

$117 NOK 1,123

-2.99%

Men's Leather Business Shoes

$127 €111

$133 NOK 1,281

-4.75%

1-bedroom Apartment, City Center (Monthly)

$1,084 €947

$1,302 NOK 12.5K

-16.75%

1-bedroom Apartment, Outside City Center (Monthly)

$685 €599

$1,020 NOK 9,827

-32.85%

3-bedroom Apartment, City Center (Monthly)

$2,057 €1,797

$2,218 NOK 21.4K

-7.29%

3-bedroom Apartment, Outside City Center (Monthly)

$1,191 €1,041

$1,495 NOK 14.4K

-20.31%

Buy Apartment in City Center (m2)

$5,955 €5,203

$5,722 NOK 55.1K

4.07%

Buy Apartment Outside City Center (m2)

$2,657 €2,322

$3,857 NOK 37.1K

-31.10%

Average Monthly Net Salary (After Tax)

$1,215 €1,061

$3,409 NOK 32.8K

-64.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.73

4.27

34.19%

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

Last update for Tivat: July 13, 2026

Last update for Harstad: July 13, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $1,084 in Tivat and $1,302 in Harstad. Housing cost is often the main lever when comparing two cities.

Harstad pays 181% 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: $45.00 in Tivat vs $120 in Harstad for a mid-range dinner for two. Groceries echo the gap at $240 vs $477 per month, with Tivat cheaper across the board.

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

Tivat vs Harstad: Cost of Living - Frequently Asked Questions

Tivat is cheaper overall, especially in Groceries & Markets, Eating Out, Sport & Entertainment, Getting Around, Monthly Utilities & Internet. The 51% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 181% lower in Harstad. 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: $1,084 in Tivat versus $1,302 in Harstad. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 99% higher in Harstad. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Tivat – a meal for two runs $45.00 versus $120 in Harstad. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,601 in Tivat versus $2,424 in Harstad, a $2,000 budget is realistic in Tivat but tight or insufficient in Harstad. The gap between the two cities makes Tivat the clear choice for anyone on this budget.

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

Safety-wise, Tivat and Harstad 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 Tivat gentler on the wallet – expenses run 51% less than in Harstad. Beyond cost, consider language, visa policies, and how big the international community is in each city.