Cost of Living Comparison Between Zagreb and Masterton Cost of Living Comparison Between Zagreb and Masterton

Monthly Cost of Living

Monthly costs for one person with rent: $1,684 in Zagreb versus $1,510 in Masterton.

Estimated couple costs with rent: $2,538 in Zagreb versus $2,430 in Masterton.

Monthly costs for a family of three with rent: $3,393 in Zagreb versus $3,350 in Masterton.

Living in Zagreb is roughly 12% more expensive than in Masterton, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Zagreb 27% above, Masterton 13% above.

Meal at Budget Restaurant

$11.44 €9.98

$10.01 NZ$17.26

14.29%

Three-Course Dinner for Two, Mid-Range

$69.1 €60.3

$89.1 NZ$154

-22.41%

Fast Food Meal (McDonalds, etc)

$9.07 €7.91

$8.82 NZ$15.20

2.83%

Cappuccino

$2.49 €2.17

$3.25 NZ$5.60

-23.38%

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

$3.17 €2.76

$2.07 NZ$3.56

53.14%

Water (0.33 liter bottle)

$2.48 €2.16

$1.57 NZ$2.70

57.96%

Local Beer (0.5 liter draught)

$3.76 €3.28

$3.60 NZ$6.20

4.44%

Imported Beer (0.33 liter bottle)

$4.49 €3.92

$4.10 NZ$7.06

9.51%

Milk (1 liter)

$1.29 €1.12

$1.49 NZ$2.57

-13.42%

White Bread (500g)

$1.87 €1.63

$1.62 NZ$2.79

15.43%

Rice (white) (1kg)

$2.64 €2.30

$1.17 NZ$2.01

125.64%

Eggs

$3.75 €3.27

$6.31 NZ$10.88

-40.57%

Local Cheese (1kg)

$10.91 €9.51

$7.27 NZ$12.53

50.07%

Chicken Fillets (1kg)

$9.52 €8.30

$9.21 NZ$15.87

3.37%

Beef Round Steak (1kg)

$12.83 €11.19

$12.60 NZ$21.71

1.83%

Apples (1kg)

$1.80 €1.57

$1.78 NZ$3.07

1.12%

Banana (1kg)

$1.72 €1.50

$1.86 NZ$3.21

-7.53%

Oranges (1kg)

$1.97 €1.72

$2.56 NZ$4.42

-23.05%

Tomato (1kg)

$3.00 €2.62

$3.42 NZ$5.90

-12.28%

Potato (1kg)

$1.39 €1.21

$1.44 NZ$2.47

-3.47%

Onion (1kg)

$1.42 €1.24

$1.21 NZ$2.08

17.36%

Lettuce (1 head)

$1.26 €1.10

$1.84 NZ$3.18

-31.52%

Water (1.5 liter bottle)

$1.28 €1.11

$0.91 NZ$1.57

40.66%

Cigarettes 20 Pack (Marlboro, Camel)

$5.88 €5.13

$20.66 NZ$35.60

-71.54%

Wine (Bottle)

$9.03 €7.87

$10.99 NZ$18.93

-17.83%

Local Beer (0.5 liter bottle)

$1.86 €1.62

$2.33 NZ$4.01

-20.17%

Imported Beer (0.33 liter bottle)

$2.20 €1.92

$2.62 NZ$4.52

-16.03%

One-way Ticket (Public Transport)

$0.58 €0.51

$2.45 NZ$4.22

-76.33%

Public Transport Monthly Pass (Regular Price)

$58.1 €50.6

$65.2 NZ$112

-10.88%

Taxi Start (Normal Tariff)

$2.29 €2.00

$2.36 NZ$4.07

-2.97%

Taxi (Normal Tariff) (1km)

$1.01 €0.88

$1.78 NZ$3.06

-43.26%

Taxi 1hour Waiting (Normal Tariff)

$10.18 €8.88

$41.16 NZ$70.9

-75.27%

Gasoline (1 liter)

$1.72 €1.50

$1.63 NZ$2.81

5.52%

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

$34.9K €30.4K

$24.1K NZ$41.5K

44.97%

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

$25.9K €22.6K

$22.8K NZ$39.2K

13.80%

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

$208 €181

$80.0 NZ$138

159.93%

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

$19.68 €17.16

$32.22 NZ$55.5

-38.92%

Internet (50+ Mbps, Unlimited Data)

$32.11 €27.99

$47.35 NZ$81.6

-32.19%

Gym Membership (Monthly)

$49.55 €43.20

$39.93 NZ$68.8

24.09%

Tennis Court (1 Hour on Weekend)

$14.18 €12.36

$8.97 NZ$15.45

58.08%

Cinema Ticket

$8.93 €7.78

$8.24 NZ$14.20

8.37%

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

$504 €439

$397 NZ$684

27.01%

International Primary School, 1 Child (Yearly)

$13.1K €11.4K

$4,899 NZ$8,442

167.93%

Jeans (Levis 501 Or Similar)

$98.5 €85.9

$70.4 NZ$121

39.92%

Summer Dress (H&M, Zara, etc)

$40.19 €35.04

$29.77 NZ$51.3

35.00%

Sport Shoes (Adidas, Nike)

$95.2 €83.0

$103 NZ$178

-7.77%

Men's Leather Business Shoes

$116 €101

$116 NZ$199

0.46%

1-bedroom Apartment, City Center (Monthly)

$880 €767

$793 NZ$1,367

10.90%

1-bedroom Apartment, Outside City Center (Monthly)

$668 €582

$597 NZ$1,028

11.98%

3-bedroom Apartment, City Center (Monthly)

$1,498 €1,306

$1,244 NZ$2,143

20.47%

3-bedroom Apartment, Outside City Center (Monthly)

$1,081 €943

$1,100 NZ$1,895

-1.66%

Buy Apartment in City Center (m2)

$4,957 €4,321

Buy Apartment Outside City Center (m2)

$3,250 €2,833

Average Monthly Net Salary (After Tax)

$1,963 €1,712

$2,400 NZ$4,135

-18.18%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

6.69

-44.39%

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

Last update for Zagreb: July 26, 2026

Last update for Masterton: July 26, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $880 in Zagreb and $793 in Masterton. Housing cost is often the main lever when comparing two cities.

Masterton pays 22% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $69.0 in Zagreb vs $89.0 in Masterton for a mid-range dinner for two. Groceries echo the gap at $277 vs $278 per month, with Zagreb 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

Zagreb vs Masterton: Cost of Living - Frequently Asked Questions

Masterton is cheaper overall, especially in Eating Out, Clothing & Footwear, Sport & Entertainment. The 12% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 22% lower in Masterton. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $880 in Zagreb versus $793 in Masterton. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Masterton – a meal for two runs $89.0 versus $69.0 in Zagreb. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,684 per month in Zagreb versus $1,510 in Masterton – a 12% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,510 in Masterton versus $1,684 in Zagreb, a $1,500 budget is realistic in Masterton but tight or insufficient in Zagreb. The gap between the two cities makes Masterton the clear choice for anyone on this budget.

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

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