Cost of Living Comparison Between Waterloo, IA and Ljubljana Cost of Living Comparison Between Waterloo, IA and Ljubljana

Monthly Cost of Living

Monthly costs for one person with rent: $1,829 in Waterloo, IA versus $2,054 in Ljubljana.

Estimated couple costs with rent: $2,541 in Waterloo, IA versus $3,008 in Ljubljana.

Monthly costs for a family of three with rent: $3,253 in Waterloo, IA versus $3,962 in Ljubljana.

Living in Waterloo, IA costs roughly 11% less than in Ljubljana, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Waterloo, IA 37% above, Ljubljana 54% above.

Meal at Budget Restaurant

$17.82 $17.82

$17.24 €15.10

3.36%

Three-Course Dinner for Two, Mid-Range

$64.9 $64.9

$69.5 €60.9

-6.58%

Fast Food Meal (McDonalds, etc)

$10.07 $10.07

$9.45 €8.28

6.56%

Cappuccino

$5.06 $5.06

$2.58 €2.26

96.12%

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

$2.71 $2.71

$3.04 €2.66

-10.86%

Water (0.33 liter bottle)

$2.38 $2.38

$1.98 €1.73

20.20%

Local Beer (0.5 liter draught)

$5.97 $5.97

$3.85 €3.37

55.06%

Imported Beer (0.33 liter bottle)

$7.12 $7.12

$4.60 €4.03

54.78%

Milk (1 liter)

$1.03 $1.03

$1.48 €1.30

-30.41%

White Bread (500g)

$1.95 $1.95

$2.17 €1.90

-10.14%

Rice (white) (1kg)

$1.69 $1.69

$2.88 €2.52

-41.32%

Eggs

$2.97 $2.97

$3.87 €3.39

-23.26%

Local Cheese (1kg)

$9.53 $9.53

$13.38 €11.72

-28.77%

Chicken Fillets (1kg)

$6.60 $6.60

$10.70 €9.37

-38.32%

Beef Round Steak (1kg)

$12.87 $12.87

$12.75 €11.17

0.94%

Apples (1kg)

$3.88 $3.88

$2.02 €1.77

92.08%

Banana (1kg)

$1.19 $1.19

$1.76 €1.55

-32.39%

Oranges (1kg)

$3.19 $3.19

$2.16 €1.89

47.69%

Tomato (1kg)

$4.31 $4.31

$3.54 €3.10

21.75%

Potato (1kg)

$1.18 $1.18

$1.37 €1.20

-13.87%

Onion (1kg)

$2.20 $2.20

$1.62 €1.42

35.80%

Lettuce (1 head)

$1.83 $1.83

$1.71 €1.50

7.02%

Water (1.5 liter bottle)

$1.54 $1.54

$0.99 €0.86

55.56%

Cigarettes 20 Pack (Marlboro, Camel)

$8.14 $8.14

$5.98 €5.23

36.12%

Wine (Bottle)

$12.74 $12.74

$8.39 €7.35

51.85%

Local Beer (0.5 liter bottle)

$1.69 $1.69

$1.45 €1.27

16.55%

Imported Beer (0.33 liter bottle)

$1.74 $1.74

$2.03 €1.77

-14.29%

One-way Ticket (Public Transport)

$1.97 $1.97

$1.46 €1.28

34.93%

Public Transport Monthly Pass (Regular Price)

$42.25 €37.01

Taxi Start (Normal Tariff)

$4.94 $4.94

$2.24 €1.96

120.54%

Taxi (Normal Tariff) (1km)

$1.38 $1.38

$1.17 €1.02

17.95%

Taxi 1hour Waiting (Normal Tariff)

$29.64 $29.64

$19.99 €17.51

48.27%

Gasoline (1 liter)

$0.80 $0.80

$1.74 €1.52

-54.02%

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

$35.3K $35.3K

$28.9K €25.3K

22.18%

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

$25.6K $25.6K

$28.9K €25.3K

-11.39%

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

$197 $197

$279 €244

-29.28%

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

$48.66 $48.66

$18.60 €16.29

161.61%

Internet (50+ Mbps, Unlimited Data)

$58.9 $58.9

$37.84 €33.14

55.71%

Gym Membership (Monthly)

$42.76 $42.76

$52.8 €46.20

-18.95%

Tennis Court (1 Hour on Weekend)

$18.04 €15.80

Cinema Ticket

$14.06 $14.06

$9.12 €7.99

54.17%

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

$1,435 $1,435

$541 €474

165.31%

International Primary School, 1 Child (Yearly)

$29.6K $29.6K

$14.2K €12.4K

108.33%

Jeans (Levis 501 Or Similar)

$39.26 $39.26

$100.0 €87.5

-60.72%

Summer Dress (H&M, Zara, etc)

$42.67 $42.67

$46.21 €40.47

-7.66%

Sport Shoes (Adidas, Nike)

$60.2 $60.2

$104 €91.1

-42.15%

Men's Leather Business Shoes

$129 $129

$139 €121

-7.22%

1-bedroom Apartment, City Center (Monthly)

$846 $846

$1,002 €878

-15.59%

1-bedroom Apartment, Outside City Center (Monthly)

$736 $736

$851 €745

-13.51%

3-bedroom Apartment, City Center (Monthly)

$2,010 $2,010

$2,070 €1,813

-2.92%

3-bedroom Apartment, Outside City Center (Monthly)

$837 $837

$1,469 €1,286

-43.01%

Buy Apartment in City Center (m2)

$1,497 $1,497

$6,373 €5,581

-76.51%

Buy Apartment Outside City Center (m2)

$1,442 $1,442

$4,903 €4,294

-70.59%

Average Monthly Net Salary (After Tax)

$3,910 $3,910

$2,018 €1,767

93.75%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.43

3.84

67.45%

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

Last update for Waterloo, IA: July 11, 2026

Last update for Ljubljana: July 12, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $846 in Waterloo, IA and $1,002 in Ljubljana. Housing cost is often the main lever when comparing two cities.

Waterloo, IA pays 94% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $65.0 in Waterloo, IA vs $69.0 in Ljubljana for a mid-range dinner for two. Groceries echo the gap at $281 vs $297 per month, with Waterloo, IA 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

Waterloo, IA vs Ljubljana: Cost of Living - Frequently Asked Questions

Waterloo, IA is cheaper overall, especially in Groceries & Markets, Clothing & Footwear, Sport & Entertainment, Getting Around. The 12% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 94% higher in Waterloo, IA, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $846 in Waterloo, IA versus $1,002 in Ljubljana. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $1,435 in Waterloo, IA versus $541 in Ljubljana. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Waterloo, IA – a meal for two runs $65.0 versus $69.0 in Ljubljana. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,829 in Waterloo, IA versus $2,054 in Ljubljana, a $2,500 budget is realistic in Waterloo, IA but tight or insufficient in Ljubljana. The gap between the two cities makes Waterloo, IA the clear choice for anyone on this budget.

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

Safety-wise, Waterloo, IA and Ljubljana 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 Waterloo, IA gentler on the wallet – expenses run 12% less than in Ljubljana. Beyond cost, consider language, visa policies, and how big the international community is in each city.