Last update: Oct 2026

Cost of Living Comparison Between Umag and Split

For one person, living is cheaper in Umag: $1,562 a month against $1,851 in Split, rent and utilities included – about $3,500 less a year. Rent and utilities account for most of the difference.

77

Cost of Living Index in Umag
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Umag Living Index
89

Cost of Living Index in Split
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Split Living Index

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Umag

🇭🇷 Croatia

$1,562

/mo nomad

Split

🇭🇷 Croatia

$1,851

/mo nomad

Monthly Cost of Living

How much you'll spend in Umag and in Split

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

A single person spends $1,562 per month in Umag vs $1,851 in Split, rent included.

Umag $1,562
Split $1,851

A couple spends around $2,448 per month in Umag vs $2,848 in Split, rent included.

Umag $2,448
Split $2,848

A family of three spends $3,333 per month in Umag vs $3,844 in Split, rent included.

Umag $3,333
Split $3,844

Umag is about 16% cheaper than Split, and outside of rent the biggest gap is in eating out.

Both Umag and Split sit above the global median – Umag by 15%, Split by 36%.

Meal at Budget Restaurant

$12.16 €10.93

$17.02 €15.30

-28.55%

Three-Course Dinner for Two, Mid-Range

$65.3 €58.6

$75.1 €67.4

-13.06%

Fast Food Meal (McDonalds, etc)

$8.29 €7.45

$11.40 €10.24

-27.28%

Cappuccino

$2.26 €2.03

$2.70 €2.43

-16.30%

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

$2.99 €2.69

$4.11 €3.69

-27.25%

Water (0.33 liter bottle)

$2.28 €2.05

$2.81 €2.52

-18.86%

Local Beer (0.5 liter draught)

$3.34 €3.00

$4.67 €4.20

-28.48%

Imported Beer (0.33 liter bottle)

$4.35 €3.91

$5.18 €4.65

-16.02%

Milk (1 liter)

$1.30 €1.17

$1.29 €1.16

0.78%

White Bread (500g)

$1.57 €1.41

$2.13 €1.92

-26.29%

Rice (white) (1kg)

$2.80 €2.51

$3.73 €3.35

-24.93%

Eggs

$3.83 €3.44

$4.16 €3.74

-7.93%

Local Cheese (1kg)

$14.69 €13.20

$13.71 €12.32

7.15%

Chicken Fillets (1kg)

$11.49 €10.32

$9.50 €8.54

20.95%

Beef Round Steak (1kg)

$17.63 €15.84

$12.88 €11.57

36.88%

Apples (1kg)

$2.23 €2.00

$2.19 €1.97

1.83%

Banana (1kg)

$1.64 €1.48

$1.83 €1.64

-10.38%

Oranges (1kg)

$2.21 €1.98

$1.91 €1.72

15.71%

Tomato (1kg)

$2.45 €2.20

$2.88 €2.59

-14.93%

Potato (1kg)

$1.36 €1.22

$1.58 €1.42

-13.92%

Onion (1kg)

$1.26 €1.13

$1.15 €1.04

9.57%

Lettuce (1 head)

$1.19 €1.07

$1.29 €1.16

-7.75%

Water (1.5 liter bottle)

$1.28 €1.15

Cigarettes 20 Pack (Marlboro, Camel)

$6.09 €5.47

$5.71 €5.13

6.65%

Wine (Bottle)

$11.15 €10.02

$9.14 €8.21

21.99%

Local Beer (0.5 liter bottle)

$1.68 €1.51

$1.73 €1.56

-2.89%

Imported Beer (0.33 liter bottle)

$2.45 €2.20

$2.20 €1.98

11.36%

One-way Ticket (Public Transport)

$1.82 €1.64

$1.66 €1.49

9.64%

Public Transport Monthly Pass (Regular Price)

$47.33 €42.52

$38.84 €34.89

21.86%

Taxi Start (Normal Tariff)

$2.27 €2.04

$3.80 €3.42

-40.26%

Taxi (Normal Tariff) (1km)

$1.42 €1.27

$2.11 €1.90

-32.70%

Taxi 1hour Waiting (Normal Tariff)

$12.15 €10.91

$29.30 €26.33

-58.53%

Gasoline (1 liter)

$1.89 €1.70

$1.95 €1.75

-3.08%

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

$27.1K €24.4K

$28.0K €25.2K

-3.27%

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

$25.5K €22.9K

$24.7K €22.2K

3.11%

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

$210 €189

$212 €191

-1.01%

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

$22.03 €19.79

$20.36 €18.29

8.20%

Internet (50+ Mbps, Unlimited Data)

$37.86 €34.02

$40.88 €36.73

-7.39%

Gym Membership (Monthly)

$51.4 €46.15

$60.0 €53.9

-14.43%

Tennis Court (1 Hour on Weekend)

$15.08 €13.55

$13.12 €11.78

14.94%

Cinema Ticket

$8.56 €7.69

$10.60 €9.53

-19.25%

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

$489 €439

$604 €543

-19.06%

International Primary School, 1 Child (Yearly)

$9,869 €8,867

$11.8K €10.6K

-16.43%

Jeans (Levis 501 Or Similar)

$111 €99.9

$93.2 €83.8

19.28%

Summer Dress (H&M, Zara, etc)

$42.52 €38.21

$39.54 €35.53

7.54%

Sport Shoes (Adidas, Nike)

$103 €92.3

$113 €102

-9.49%

Men's Leather Business Shoes

$114 €103

$98.0 €88.0

16.61%

1-bedroom Apartment, City Center (Monthly)

$602 €541

$1,016 €913

-40.76%

1-bedroom Apartment, Outside City Center (Monthly)

$483 €434

$722 €648

-33.04%

3-bedroom Apartment, City Center (Monthly)

$1,252 €1,125

$1,906 €1,713

-34.29%

3-bedroom Apartment, Outside City Center (Monthly)

$941 €846

$1,322 €1,188

-28.79%

Buy Apartment in City Center (m2)

$4,602 €4,135

$7,099 €6,379

-35.18%

Buy Apartment Outside City Center (m2)

$3,282 €2,949

$5,158 €4,634

-36.36%

Average Monthly Net Salary (After Tax)

$1,575 €1,415

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

3.44

-4.07%

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

Last update for Umag: October 26, 2026

Last update for Split: October 27, 2026

Monthly budget structure

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

Accommodation & Living

Umag

$483 30.9%

Split

$722 39% 49.3% $238

Groceries & Markets

Umag

$314 20.1%

Split

$296 16% 5.7% $18

Monthly Utilities & Internet

Umag

$270 17.3%

Split

$273 14.8% 1.3% $3.5

Eating Out

Umag

$196 12.5%

Split

$264 14.3% 35% $68

Clothing & Footwear

Umag

$167 10.7%

Split

$155 8.4% 7.1% $12

Sport & Entertainment

Umag

$68 4.4%

Split

$81 4.4% 18.6% $13

Getting Around

Umag

$64 4.1%

Split

$60 3.2% 6.4% $4.1

Cost Breakdown

A central one-bedroom costs $602 in Umag versus $1,016 in Split. 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 $65 in Umag versus $75 in Split. Groceries tell a different story – $314 in Umag vs $296 in Split – so Split wins on supermarket bills even if dining out costs more.

Good to know

🇭🇷 Umag

🇭🇷 Split

🕒 Local time

13:59 1:59 PM

Same time as Umag

🌤 Weather

👥 Population

13,000

149,830

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Umag Split 310 km

From you

Umag
Split

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 Split: Cost of Living - Frequently Asked Questions

Yes – Split is pricier by about 19%, and outside of rent the gap shows up most in eating out.

For a comfortable life, plan on about $2,343 per month in Umag and $2,777 in Split. 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 $1,016 in Split.

Interestingly, groceries are about 6% cheaper in Split – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $65 in Umag and $75 in Split. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

$1,000 is a stretch for both – monthly costs hit $1,562 in Umag and $1,851 in Split. You’ll need shared housing and careful budgeting no matter which city you pick.

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.