Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Đakovo

For one person, living is cheaper in Đakovo: $1,280 a month against $1,750 in Zagreb, rent and utilities included – about $5,600 less a year. Rent and utilities account for about half of the difference.

84

Cost of Living Index in Zagreb
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Zagreb Living Index
61

Cost of Living Index in Đakovo
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Đakovo Living Index

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Zagreb

🇭🇷 Croatia

$1,750

/mo nomad

Đakovo

🇭🇷 Croatia

$1,280

/mo nomad

Monthly Cost of Living

How much you'll spend in Zagreb and in Đakovo

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

A single person spends $1,750 per month in Zagreb vs $1,280 in Đakovo, rent included.

Zagreb $1,750
Đakovo $1,280

A couple spends around $2,599 per month in Zagreb vs $1,901 in Đakovo, rent included.

Zagreb $2,599
Đakovo $1,901

A family of three spends $3,449 per month in Zagreb vs $2,521 in Đakovo, rent included.

Zagreb $3,449
Đakovo $2,521

Zagreb costs about 37% more than Đakovo, and outside of rent the biggest gap is in groceries.

Zagreb sits 29% above the global median, while Đakovo is 5% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$12.16 €10.83

$8.02 €7.15

51.62%

Three-Course Dinner for Two, Mid-Range

$61.8 €55.1

$28.07 €24.99

120.31%

Fast Food Meal (McDonalds, etc)

$8.21 €7.31

$5.55 €4.94

47.93%

Cappuccino

$2.64 €2.35

$1.64 €1.46

60.98%

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

$3.15 €2.81

$1.66 €1.48

89.76%

Water (0.33 liter bottle)

$2.59 €2.30

$1.66 €1.48

56.02%

Local Beer (0.5 liter draught)

$3.29 €2.93

$3.41 €3.04

-3.52%

Imported Beer (0.33 liter bottle)

$4.61 €4.11

$3.34 €2.97

38.02%

Milk (1 liter)

$1.26 €1.12

$1.25 €1.11

0.80%

White Bread (500g)

$1.58 €1.40

$1.11 €0.99

42.34%

Rice (white) (1kg)

$2.78 €2.48

$1.14 €1.01

143.86%

Eggs

$3.99 €3.56

$2.63 €2.34

51.71%

Local Cheese (1kg)

$14.51 €12.92

$5.54 €4.93

161.91%

Chicken Fillets (1kg)

$11.49 €10.23

$5.74 €5.11

100.17%

Beef Round Steak (1kg)

$17.68 €15.74

$13.45 €11.98

31.45%

Apples (1kg)

$2.31 €2.06

$2.28 €2.03

1.32%

Banana (1kg)

$1.73 €1.54

Oranges (1kg)

$2.09 €1.86

$2.13 €1.90

-1.88%

Tomato (1kg)

$2.44 €2.18

$1.09 €0.97

123.85%

Potato (1kg)

$1.41 €1.26

$1.10 €0.98

28.18%

Onion (1kg)

$1.20 €1.07

$1.25 €1.11

-4.00%

Lettuce (1 head)

$1.20 €1.07

$1.14 €1.02

5.26%

Water (1.5 liter bottle)

$1.30 €1.16

$1.14 €1.02

14.04%

Cigarettes 20 Pack (Marlboro, Camel)

$6.29 €5.60

$5.62 €5.00

11.92%

Wine (Bottle)

$11.12 €9.90

$5.75 €5.12

93.39%

Local Beer (0.5 liter bottle)

$1.70 €1.51

$1.67 €1.49

1.80%

Imported Beer (0.33 liter bottle)

$2.42 €2.16

$2.23 €1.98

8.52%

One-way Ticket (Public Transport)

$0.58 €0.52

$1.68 €1.50

-65.48%

Public Transport Monthly Pass (Regular Price)

$53.5 €47.61

$45.36 €40.39

17.88%

Taxi Start (Normal Tariff)

$2.23 €1.99

$2.26 €2.01

-1.33%

Taxi (Normal Tariff) (1km)

$1.37 €1.22

$1.15 €1.02

19.13%

Taxi 1hour Waiting (Normal Tariff)

$12.51 €11.14

$11.13 €9.91

12.40%

Gasoline (1 liter)

$1.86 €1.66

$1.83 €1.63

1.64%

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

$27.3K €24.3K

$22.0K €19.6K

23.97%

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

$25.6K €22.8K

$25.7K €22.8K

-0.09%

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

$216 €192

$124 €111

73.96%

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

$22.40 €19.95

$11.12 €9.90

101.44%

Internet (50+ Mbps, Unlimited Data)

$37.66 €33.53

$20.94 €18.65

79.85%

Gym Membership (Monthly)

$46.87 €41.73

$52.1 €46.37

-10.00%

Tennis Court (1 Hour on Weekend)

$18.88 €16.81

$15.35 €13.67

23.00%

Cinema Ticket

$10.50 €9.35

$10.28 €9.15

2.14%

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

$494 €440

$78.4 €69.8

530.71%

International Primary School, 1 Child (Yearly)

$13.4K €11.9K

$9,745 €8,677

37.36%

Jeans (Levis 501 Or Similar)

$110 €97.5

$108 €95.9

1.75%

Summer Dress (H&M, Zara, etc)

$42.83 €38.14

$33.91 €30.20

26.30%

Sport Shoes (Adidas, Nike)

$103 €91.6

$44.89 €39.97

129.14%

Men's Leather Business Shoes

$111 €98.6

$99.6 €88.7

11.16%

1-bedroom Apartment, City Center (Monthly)

$892 €794

$694 €618

28.44%

1-bedroom Apartment, Outside City Center (Monthly)

$659 €587

$516 €460

27.72%

3-bedroom Apartment, City Center (Monthly)

$1,448 €1,289

$1,188 €1,058

21.87%

3-bedroom Apartment, Outside City Center (Monthly)

$1,057 €941

$883 €787

19.62%

Buy Apartment in City Center (m2)

$5,331 €4,747

$3,966 €3,532

34.42%

Buy Apartment Outside City Center (m2)

$3,619 €3,222

$2,867 €2,553

26.22%

Average Monthly Net Salary (After Tax)

$1,964 €1,749

$1,320 €1,175

48.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.32

3.3

0.61%

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

Last update for Zagreb: October 31, 2026

Last update for Đakovo: October 31, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$659 37.7%

Đakovo

$516 40.3% 21.7% $143

Groceries & Markets

Zagreb

$315 18%

Đakovo

$208 16.3% 33.7% $106

Monthly Utilities & Internet

Zagreb

$276 15.8%

Đakovo

$156 12.2% 43.4% $120

Eating Out

Zagreb

$202 11.6%

Đakovo

$138 10.8% 32% $65

Clothing & Footwear

Zagreb

$165 9.4%

Đakovo

$129 10.1% 21.8% $36

Sport & Entertainment

Zagreb

$68 3.9%

Đakovo

$73 5.7% 7% $4.8

Getting Around

Zagreb

$65 3.7%

Đakovo

$60 4.7% 7.4% $4.8

Cost Breakdown

A central one-bedroom costs $892 in Zagreb versus $694 in Đakovo. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 49% higher in Zagreb. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $62 in Zagreb versus $28 in Đakovo. Monthly groceries follow the same trend: $315 vs $208 – making Đakovo the more affordable choice for daily food spending.

Good to know

🇭🇷 Zagreb

🇭🇷 Đakovo

🕒 Local time

17:49 5:49 PM

Same time as Zagreb

🌤 Weather

👥 Population

767,131 Capital

16,875

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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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

Zagreb vs Đakovo: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,750 in Zagreb, $1,280 in Đakovo – Đakovo comes out roughly 27% cheaper. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,624 per month in Zagreb and $1,920 in Đakovo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Đakovo, especially for central apartments: a one-bedroom in the center costs $694 there versus $892 in Zagreb.

Public transport costs about 15% less in Đakovo. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $494 per month in Zagreb and $78 in Đakovo. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$2,000 covers both cities comfortably – all-in costs are $1,750 in Zagreb and $1,280 in Đakovo, leaving budget for savings and extras in both cases.

Families tend to lean toward Đakovo – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Đakovo. If higher salaries or specific career opportunities are the priority, Zagreb makes more sense. Both are solid long-term options with distinct trade-offs.