Last update: Oct 2026

Cost of Living Comparison Between Umag and Athens

For one person, living is cheaper in Umag: $1,532 a month against $1,775 in Athens, rent and utilities included – about $2,900 less a year. Rent and utilities account for most of the difference.

78

Cost of Living Index in Umag
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Umag Living Index
86

Cost of Living Index in Athens
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Athens Living Index

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Umag

🇭🇷 Croatia

$1,532

/mo nomad

Athens

🇬🇷 Greece

$1,775

/mo nomad

Monthly Cost of Living

How much you'll spend in Umag and in Athens

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Umag and in Athens actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,532 in Umag versus $1,775 in Athens.

Umag $1,532
Athens $1,775

Estimated couple costs with rent: $2,439 in Umag versus $2,721 in Athens.

Umag $2,439
Athens $2,721

Monthly costs for a family of three with rent: $3,345 in Umag versus $3,666 in Athens.

Umag $3,345
Athens $3,666

Living in Umag costs roughly 14% less than in Athens, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Umag 13% above, Athens 31% above.

Meal at Budget Restaurant

$12.31 €10.99

$16.69 €14.90

-26.24%

Three-Course Dinner for Two, Mid-Range

$63.5 €56.7

$67.8 €60.5

-6.28%

Fast Food Meal (McDonalds, etc)

$7.93 €7.08

$11.14 €9.95

-28.82%

Cappuccino

$2.18 €1.95

$4.03 €3.60

-45.91%

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

$2.98 €2.66

$2.77 €2.47

7.58%

Water (0.33 liter bottle)

$2.25 €2.01

$0.55 €0.49

309.09%

Local Beer (0.5 liter draught)

$3.33 €2.97

$5.74 €5.12

-41.99%

Imported Beer (0.33 liter bottle)

$4.48 €4.00

$5.45 €4.86

-17.80%

Milk (1 liter)

$1.24 €1.11

$1.82 €1.63

-31.87%

White Bread (500g)

$1.60 €1.43

$1.38 €1.23

15.94%

Rice (white) (1kg)

$2.72 €2.43

$2.80 €2.50

-2.86%

Eggs

$3.89 €3.47

$4.83 €4.32

-19.46%

Local Cheese (1kg)

$14.81 €13.23

$15.05 €13.44

-1.59%

Chicken Fillets (1kg)

$11.80 €10.53

$10.63 €9.49

11.01%

Beef Round Steak (1kg)

$17.92 €16.00

$18.43 €16.45

-2.77%

Apples (1kg)

$2.29 €2.05

$2.20 €1.97

4.09%

Banana (1kg)

$1.79 €1.60

$1.90 €1.69

-5.79%

Oranges (1kg)

$2.05 €1.83

$1.37 €1.22

49.64%

Tomato (1kg)

$2.51 €2.24

$2.10 €1.87

19.52%

Potato (1kg)

$1.30 €1.16

$1.08 €0.97

20.37%

Onion (1kg)

$1.13 €1.01

$1.12 €1.00

0.89%

Lettuce (1 head)

$1.18 €1.05

$1.12 €1.00

5.36%

Water (1.5 liter bottle)

$1.39 €1.25

$0.88 €0.79

57.95%

Cigarettes 20 Pack (Marlboro, Camel)

$5.90 €5.27

$5.48 €4.90

7.66%

Wine (Bottle)

$10.09 €9.01

$10.13 €9.04

-0.39%

Local Beer (0.5 liter bottle)

$1.68 €1.50

$2.13 €1.90

-21.13%

Imported Beer (0.33 liter bottle)

$2.56 €2.28

$2.25 €2.01

13.78%

One-way Ticket (Public Transport)

$1.81 €1.62

$1.36 €1.22

33.09%

Public Transport Monthly Pass (Regular Price)

$39.73 €35.48

$29.89 €26.69

32.92%

Taxi Start (Normal Tariff)

$2.22 €1.98

$4.45 €3.97

-50.11%

Taxi (Normal Tariff) (1km)

$1.36 €1.21

$1.02 €0.91

33.33%

Taxi 1hour Waiting (Normal Tariff)

$11.94 €10.66

$16.92 €15.11

-29.43%

Gasoline (1 liter)

$1.92 €1.71

$2.25 €2.01

-14.67%

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

$27.7K €24.7K

$28.0K €25.0K

-1.21%

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

$26.9K €24.0K

$28.2K €25.2K

-4.81%

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

$215 €192

$205 €183

4.89%

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

$22.92 €20.47

$26.65 €23.80

-14.00%

Internet (50+ Mbps, Unlimited Data)

$40.61 €36.27

$30.38 €27.13

33.67%

Gym Membership (Monthly)

$52.1 €46.54

$54.5 €48.66

-4.37%

Tennis Court (1 Hour on Weekend)

$15.38 €13.74

$25.88 €23.11

-40.57%

Cinema Ticket

$8.39 €7.49

$10.42 €9.30

-19.48%

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

$495 €442

$569 €508

-13.10%

International Primary School, 1 Child (Yearly)

$9,808 €8,758

$12.6K €11.2K

-22.07%

Jeans (Levis 501 Or Similar)

$107 €95.4

$88.7 €79.2

20.51%

Summer Dress (H&M, Zara, etc)

$43.30 €38.67

$40.46 €36.13

7.02%

Sport Shoes (Adidas, Nike)

$94.7 €84.6

$105 €93.7

-9.74%

Men's Leather Business Shoes

$110 €98.3

$121 €108

-9.30%

1-bedroom Apartment, City Center (Monthly)

$673 €601

$741 €662

-9.11%

1-bedroom Apartment, Outside City Center (Monthly)

$458 €409

$655 €585

-30.02%

3-bedroom Apartment, City Center (Monthly)

$1,148 €1,025

$1,300 €1,161

-11.68%

3-bedroom Apartment, Outside City Center (Monthly)

$977 €873

$1,148 €1,025

-14.84%

Buy Apartment in City Center (m2)

$4,640 €4,143

$4,014 €3,584

15.59%

Buy Apartment Outside City Center (m2)

$2,948 €2,632

$3,460 €3,090

-14.82%

Average Monthly Net Salary (After Tax)

$1,242 €1,109

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

4.48

-26.34%

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

Last update for Umag: October 11, 2026

Last update for Athens: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Umag

$458 29.9%

Athens

$655 36.9% 42.9% $196

Groceries & Markets

Umag

$316 20.6%

Athens

$310 17.5% 1.8% $5.8

Monthly Utilities & Internet

Umag

$278 18.2%

Athens

$262 14.7% 5.9% $17

Eating Out

Umag

$195 12.7%

Athens

$268 15.1% 37.5% $73

Clothing & Footwear

Umag

$160 10.4%

Athens

$160 9% 0.1% $0.2

Sport & Entertainment

Umag

$69 4.5%

Athens

$75 4.2% 9.3% $6.4

Getting Around

Umag

$56 3.7%

Athens

$45 2.5% 19.8% $11

Cost Breakdown

A one-bedroom apartment in the center runs $673 in Umag and $741 in Athens. Housing cost is often the main lever when comparing two cities.

Dining out: $64.0 in Umag vs $68.0 in Athens. Groceries flip the comparison at $316 vs $310, with Athens cheaper for home cooking.

Good to know

🇭🇷 Umag

🇬🇷 Athens

🕒 Local time

11:31 11:31 AM

12:31 12:31 PM

1 h ahead of Umag

🌤 Weather

👥 Population

13,000

3,090,508 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Between locations

Umag Athens 1,180 km ≈ 2 h nonstop flight

From you

Umag
Athens

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

Umag vs Athens: Cost of Living - Frequently Asked Questions

Umag wins on cost – living expenses run 16% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Umag the obvious pick if budget is a priority.

You'd need roughly $2,298 in Umag and $2,662 in Athens to live well. The gap comes down to housing and overall price levels. Both cities are liveable on less, but these numbers represent actual comfort.

Rent for a central apartment: $673 in Umag versus $741 in Athens. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Umag – a meal for two runs $64.0 versus $68.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,532 per month in Umag versus $1,775 in Athens – a 16% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,532 in Umag versus $1,775 in Athens, a $1,000 budget is realistic in Umag but tight or insufficient in Athens. The gap between the two cities makes Umag the clear choice for anyone on this budget.

Both work as nomad bases, but Umag delivers better value – similar infrastructure at $1,532 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Umag hard to pass up.

Safety-wise, Umag and Athens 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 Umag gentler on the wallet – expenses run 16% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.