Last update: Oct 2026

Cost of Living Comparison Between Umag and Austin, TX

For one person, living is cheaper in Umag: $1,532 a month against $2,663 in Austin, TX, rent and utilities included – about $13,600 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
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Umag

🇭🇷 Croatia

$1,532

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Umag and in Austin, TX

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

Monthly costs for one person with rent: $1,532 in Umag versus $2,663 in Austin, TX.

Umag $1,532
Austin, TX $2,663

Estimated couple costs with rent: $2,439 in Umag versus $4,133 in Austin, TX.

Umag $2,439
Austin, TX $4,133

Monthly costs for a family of three with rent: $3,345 in Umag versus $5,603 in Austin, TX.

Umag $3,345
Austin, TX $5,603

Living in Umag costs roughly 42% less than in Austin, TX, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Umag 13% above, Austin, TX 97% above.

Meal at Budget Restaurant

$12.31 €10.99

$20.77 $20.77

-40.73%

Three-Course Dinner for Two, Mid-Range

$63.5 €56.7

$84.6 $84.6

-24.90%

Fast Food Meal (McDonalds, etc)

$7.93 €7.08

$12.32 $12.32

-35.63%

Cappuccino

$2.18 €1.95

$5.63 $5.63

-61.28%

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

$2.98 €2.66

$3.72 $3.72

-19.89%

Water (0.33 liter bottle)

$2.25 €2.01

$2.50 $2.50

-10.00%

Local Beer (0.5 liter draught)

$3.33 €2.97

$8.05 $8.05

-58.63%

Imported Beer (0.33 liter bottle)

$4.48 €4.00

$9.01 $9.01

-50.28%

Milk (1 liter)

$1.24 €1.11

$1.12 $1.12

10.71%

White Bread (500g)

$1.60 €1.43

$3.75 $3.75

-57.33%

Rice (white) (1kg)

$2.72 €2.43

$3.26 $3.26

-16.56%

Eggs

$3.89 €3.47

$4.17 $4.17

-6.71%

Local Cheese (1kg)

$14.81 €13.23

$12.90 $12.90

14.81%

Chicken Fillets (1kg)

$11.80 €10.53

$14.16 $14.16

-16.67%

Beef Round Steak (1kg)

$17.92 €16.00

$16.22 $16.22

10.48%

Apples (1kg)

$2.29 €2.05

$4.33 $4.33

-47.11%

Banana (1kg)

$1.79 €1.60

$1.46 $1.46

22.60%

Oranges (1kg)

$2.05 €1.83

$4.51 $4.51

-54.55%

Tomato (1kg)

$2.51 €2.24

$4.34 $4.34

-42.17%

Potato (1kg)

$1.30 €1.16

$2.58 $2.58

-49.61%

Onion (1kg)

$1.13 €1.01

$2.35 $2.35

-51.91%

Lettuce (1 head)

$1.18 €1.05

$1.78 $1.78

-33.71%

Water (1.5 liter bottle)

$1.39 €1.25

$2.22 $2.22

-37.39%

Cigarettes 20 Pack (Marlboro, Camel)

$5.90 €5.27

$9.88 $9.88

-40.28%

Wine (Bottle)

$10.09 €9.01

$15.08 $15.08

-33.09%

Local Beer (0.5 liter bottle)

$1.68 €1.50

$2.92 $2.92

-42.47%

Imported Beer (0.33 liter bottle)

$2.56 €2.28

$3.46 $3.46

-26.01%

One-way Ticket (Public Transport)

$1.81 €1.62

$1.49 $1.49

21.48%

Public Transport Monthly Pass (Regular Price)

$39.73 €35.48

$41.72 $41.72

-4.77%

Taxi Start (Normal Tariff)

$2.22 €1.98

$2.73 $2.73

-18.68%

Taxi (Normal Tariff) (1km)

$1.36 €1.21

$1.66 $1.66

-18.07%

Taxi 1hour Waiting (Normal Tariff)

$11.94 €10.66

$35.30 $35.30

-66.18%

Gasoline (1 liter)

$1.92 €1.71

$0.95 $0.95

102.11%

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

$27.7K €24.7K

$36.0K $36.0K

-23.18%

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

$26.9K €24.0K

$27.1K $27.1K

-0.75%

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

$215 €192

$229 $229

-6.28%

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

$22.92 €20.47

$59.4 $59.4

-61.41%

Internet (50+ Mbps, Unlimited Data)

$40.61 €36.27

$69.9 $69.9

-41.91%

Gym Membership (Monthly)

$52.1 €46.54

$57.2 $57.2

-8.96%

Tennis Court (1 Hour on Weekend)

$15.38 €13.74

$16.33 $16.33

-5.82%

Cinema Ticket

$8.39 €7.49

$14.28 $14.28

-41.25%

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

$495 €442

$1,506 $1,506

-67.15%

International Primary School, 1 Child (Yearly)

$9,808 €8,758

$21.5K $21.5K

-54.29%

Jeans (Levis 501 Or Similar)

$107 €95.4

$52.8 $52.8

102.31%

Summer Dress (H&M, Zara, etc)

$43.30 €38.67

$43.82 $43.82

-1.19%

Sport Shoes (Adidas, Nike)

$94.7 €84.6

$84.8 $84.8

11.70%

Men's Leather Business Shoes

$110 €98.3

$103 $103

6.81%

1-bedroom Apartment, City Center (Monthly)

$673 €601

$1,907 $1,907

-64.70%

1-bedroom Apartment, Outside City Center (Monthly)

$458 €409

$1,274 $1,274

-64.05%

3-bedroom Apartment, City Center (Monthly)

$1,148 €1,025

$3,664 $3,664

-68.68%

3-bedroom Apartment, Outside City Center (Monthly)

$977 €873

$2,538 $2,538

-61.49%

Buy Apartment in City Center (m2)

$4,640 €4,143

$7,614 $7,614

-39.06%

Buy Apartment Outside City Center (m2)

$2,948 €2,632

$3,157 $3,157

-6.64%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

6.79

-51.40%

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

Last update for Umag: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Umag

$458 29.9%

Austin, TX

$1.3K 47.8% 178% $816

Groceries & Markets

Umag

$316 20.6%

Austin, TX

$405 15.2% 27.9% $88

Monthly Utilities & Internet

Umag

$278 18.2%

Austin, TX

$358 13.5% 28.8% $80

Eating Out

Umag

$195 12.7%

Austin, TX

$354 13.3% 81.5% $159

Clothing & Footwear

Umag

$160 10.4%

Austin, TX

$128 4.8% 19.9% $32

Sport & Entertainment

Umag

$69 4.5%

Austin, TX

$86 3.2% 24.5% $17

Getting Around

Umag

$56 3.7%

Austin, TX

$59 2.2% 4.8% $2.7

Cost Breakdown

A one-bedroom apartment in the center runs $673 in Umag and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Dining out: $64.0 in Umag vs $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $316 vs $405 per month, with Umag cheaper across the board.

Good to know

🇭🇷 Umag

🇺🇸 Austin, TX

🕒 Local time

12:18 12:18 PM

05:18 5:18 AM

7 h behind Umag

🌤 Weather

👥 Population

13,000

974,447

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.893 EUR

Exchange rates and currency converter

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Between locations

Umag Austin, TX 9,120 km ≈ 12 h nonstop flight

From you

Umag
Austin, TX

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 Austin, TX: Cost of Living - Frequently Asked Questions

Umag wins on cost – living expenses run 74% lower than in Austin, TX. 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 $3,995 in Austin, TX 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 $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,532 per month in Umag versus $2,663 in Austin, TX – a 74% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Umag runs roughly 5% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,532 in Umag versus $2,663 in Austin, TX, a $1,000 budget is realistic in Umag but tight or insufficient in Austin, TX. The gap between the two cities makes Umag the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Umag and Austin, TX 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 74% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.