Last update: Oct 2026

Cost of Living Comparison Between Umag and Zagreb

For one person, living is cheaper in Umag: $1,562 a month against $1,772 in Zagreb, rent and utilities included – about $2,500 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
85

Cost of Living Index in Zagreb
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Zagreb Living Index

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Umag

🇭🇷 Croatia

$1,562

/mo nomad

Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Monthly Cost of Living

How much you'll spend in Umag and in Zagreb

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

A single person spends $1,562 per month in Umag vs $1,772 in Zagreb, rent included.

Umag $1,562
Zagreb $1,772

A couple spends around $2,448 per month in Umag vs $2,619 in Zagreb, rent included.

Umag $2,448
Zagreb $2,619

A family of three spends $3,333 per month in Umag vs $3,467 in Zagreb, rent included.

Umag $3,333
Zagreb $3,467

Umag is about 12% cheaper than Zagreb, and outside of rent the biggest gap is in eating out.

Both Umag and Zagreb sit above the global median – Umag by 15%, Zagreb by 30%.

Meal at Budget Restaurant

$12.16 €10.93

$12.33 €11.08

-1.38%

Three-Course Dinner for Two, Mid-Range

$65.3 €58.6

$63.9 €57.5

2.05%

Fast Food Meal (McDonalds, etc)

$8.29 €7.45

$8.01 €7.20

3.50%

Cappuccino

$2.26 €2.03

$2.50 €2.25

-9.60%

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

$2.99 €2.69

$3.09 €2.77

-3.24%

Water (0.33 liter bottle)

$2.28 €2.05

$2.62 €2.35

-12.98%

Local Beer (0.5 liter draught)

$3.34 €3.00

$3.42 €3.07

-2.34%

Imported Beer (0.33 liter bottle)

$4.35 €3.91

$4.51 €4.05

-3.55%

Milk (1 liter)

$1.30 €1.17

$1.27 €1.14

2.36%

White Bread (500g)

$1.57 €1.41

$1.60 €1.43

-1.88%

Rice (white) (1kg)

$2.80 €2.51

$2.68 €2.41

4.48%

Eggs

$3.83 €3.44

$3.95 €3.55

-3.04%

Local Cheese (1kg)

$14.69 €13.20

$14.58 €13.10

0.75%

Chicken Fillets (1kg)

$11.49 €10.32

$11.47 €10.30

0.17%

Beef Round Steak (1kg)

$17.63 €15.84

$17.35 €15.59

1.61%

Apples (1kg)

$2.23 €2.00

$2.31 €2.07

-3.46%

Banana (1kg)

$1.64 €1.48

$1.65 €1.48

-0.61%

Oranges (1kg)

$2.21 €1.98

$2.19 €1.96

0.91%

Tomato (1kg)

$2.45 €2.20

$2.56 €2.30

-4.30%

Potato (1kg)

$1.36 €1.22

Onion (1kg)

$1.26 €1.13

$1.20 €1.08

5.00%

Lettuce (1 head)

$1.19 €1.07

Water (1.5 liter bottle)

$1.28 €1.15

$1.29 €1.16

-0.78%

Cigarettes 20 Pack (Marlboro, Camel)

$6.09 €5.47

$6.08 €5.46

0.16%

Wine (Bottle)

$11.15 €10.02

$11.07 €9.94

0.72%

Local Beer (0.5 liter bottle)

$1.68 €1.51

$1.69 €1.51

-0.59%

Imported Beer (0.33 liter bottle)

$2.45 €2.20

$2.46 €2.21

-0.41%

One-way Ticket (Public Transport)

$1.82 €1.64

$0.57 €0.51

219.30%

Public Transport Monthly Pass (Regular Price)

$47.33 €42.52

$53.2 €47.83

-11.10%

Taxi Start (Normal Tariff)

$2.27 €2.04

$2.18 €1.96

4.13%

Taxi (Normal Tariff) (1km)

$1.42 €1.27

$1.44 €1.29

-1.39%

Taxi 1hour Waiting (Normal Tariff)

$12.15 €10.91

$12.39 €11.13

-1.94%

Gasoline (1 liter)

$1.89 €1.70

$1.90 €1.70

-0.53%

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

$27.1K €24.4K

$27.9K €25.1K

-2.85%

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

$25.5K €22.9K

$26.0K €23.4K

-2.00%

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

$210 €189

$215 €193

-2.26%

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

$22.03 €19.79

$22.34 €20.07

-1.39%

Internet (50+ Mbps, Unlimited Data)

$37.86 €34.02

$38.73 €34.80

-2.25%

Gym Membership (Monthly)

$51.4 €46.15

$48.65 €43.71

5.57%

Tennis Court (1 Hour on Weekend)

$15.08 €13.55

$18.95 €17.02

-20.42%

Cinema Ticket

$8.56 €7.69

$10.41 €9.35

-17.77%

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

$489 €439

$499 €448

-2.01%

International Primary School, 1 Child (Yearly)

$9,869 €8,867

$9,720 €8,733

1.53%

Jeans (Levis 501 Or Similar)

$111 €99.9

$109 €97.6

2.41%

Summer Dress (H&M, Zara, etc)

$42.52 €38.21

$42.23 €37.94

0.69%

Sport Shoes (Adidas, Nike)

$103 €92.3

$102 €91.9

0.39%

Men's Leather Business Shoes

$114 €103

$111 €99.3

3.35%

1-bedroom Apartment, City Center (Monthly)

$602 €541

$888 €798

-32.22%

1-bedroom Apartment, Outside City Center (Monthly)

$483 €434

$683 €614

-29.24%

3-bedroom Apartment, City Center (Monthly)

$1,252 €1,125

$1,468 €1,319

-14.71%

3-bedroom Apartment, Outside City Center (Monthly)

$941 €846

$1,066 €958

-11.72%

Buy Apartment in City Center (m2)

$4,602 €4,135

$5,275 €4,740

-12.77%

Buy Apartment Outside City Center (m2)

$3,282 €2,949

$3,670 €3,297

-10.56%

Average Monthly Net Salary (After Tax)

$1,975 €1,774

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

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

Last update for Umag: October 26, 2026

Last update for Zagreb: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Umag

$483 30.9%

Zagreb

$683 38.5% 41.3% $200

Groceries & Markets

Umag

$314 20.1%

Zagreb

$314 17.7% 0.1% $0.5

Monthly Utilities & Internet

Umag

$270 17.3%

Zagreb

$276 15.6% 2.2% $6

Eating Out

Umag

$196 12.5%

Zagreb

$202 11.4% 3% $5.9

Clothing & Footwear

Umag

$167 10.7%

Zagreb

$164 9.2% 1.9% $3.2

Sport & Entertainment

Umag

$68 4.4%

Zagreb

$69 3.9% 1.4% $1

Getting Around

Umag

$64 4.1%

Zagreb

$65 3.7% 1.4% $0.9

Cost Breakdown

A central one-bedroom costs $602 in Umag versus $888 in Zagreb. 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 $64 in Zagreb. Groceries tell a different story – $314 in Umag vs $314 in Zagreb – so Umag wins on supermarket bills even if dining out costs more.

Good to know

🇭🇷 Umag

🇭🇷 Zagreb

🕒 Local time

12:56 12:56 PM

Same time as Umag

🌤 Weather

👥 Population

13,000

767,131 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

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Between locations

Umag Zagreb 200 km

From you

Umag
Zagreb

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 Zagreb: Cost of Living - Frequently Asked Questions

Zagreb costs about 13% more than Umag, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,343 per month in Umag and $2,658 in Zagreb. 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 $888 in Zagreb.

Monthly expenses with rent come to $1,562 in Umag and $1,772 in Zagreb. That’s a gap of about 13%.

Public transport costs about 11% less in Umag. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,562 in Umag and $1,772 in Zagreb. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Zagreb has an edge in some lifestyle areas, with costs from $1,562 in Umag to $1,772 in Zagreb. Climate, culture, job market, and personal taste all factor in.

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.