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: $1,685 in Zagreb versus $1,536 in Masterton.

Estimated couple costs with rent: $2,544 in Zagreb versus $2,428 in Masterton.

Monthly costs for a family of three with rent: $3,403 in Zagreb versus $3,320 in Masterton.

Living in Zagreb is roughly 10% more expensive than Masterton, driven mainly by Monthly Utilities & Internet.

Both cities are pricier than the global median: Zagreb 25% above, Masterton 14% above.

Meal at Budget Restaurant

$11.47 €9.88

$10.02 NZ$17.11

14.47%

Three-Course Dinner for Two, Mid-Range

$69.3 €59.8

$90.7 NZ$155

-23.57%

Fast Food Meal (McDonalds, etc)

$9.37 €8.07

$8.88 NZ$15.16

5.52%

Cappuccino

$2.49 €2.14

$3.29 NZ$5.62

-24.32%

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

$3.04 €2.62

$2.08 NZ$3.54

46.15%

Water (0.33 liter bottle)

$2.38 €2.05

$1.65 NZ$2.82

44.24%

Local Beer (0.5 liter draught)

$3.67 €3.16

$3.67 NZ$6.27

Imported Beer (0.33 liter bottle)

$4.54 €3.92

$4.29 NZ$7.33

5.83%

Milk (1 liter)

$1.29 €1.11

$1.47 NZ$2.50

-12.24%

White Bread (500g)

$1.92 €1.66

$1.70 NZ$2.90

12.94%

Rice (white) (1kg)

$2.75 €2.37

$1.15 NZ$1.96

139.13%

Eggs

$3.74 €3.23

$6.02 NZ$10.28

-37.87%

Local Cheese (1kg)

$11.00 €9.47

$7.18 NZ$12.25

53.20%

Chicken Fillets (1kg)

$9.40 €8.10

$8.92 NZ$15.24

5.38%

Beef Round Steak (1kg)

$12.47 €10.74

$12.34 NZ$21.08

1.05%

Apples (1kg)

$1.83 €1.57

$1.83 NZ$3.12

Banana (1kg)

$1.67 €1.44

$1.82 NZ$3.10

-8.24%

Oranges (1kg)

$2.00 €1.72

$2.42 NZ$4.13

-17.36%

Tomato (1kg)

$3.08 €2.65

$3.44 NZ$5.88

-10.47%

Potato (1kg)

$1.44 €1.24

$1.45 NZ$2.48

-0.69%

Onion (1kg)

$1.45 €1.25

$1.16 NZ$1.98

25.00%

Lettuce (1 head)

$1.28 €1.10

$1.76 NZ$3.01

-27.27%

Water (1.5 liter bottle)

$1.27 €1.09

$0.91 NZ$1.55

39.56%

Cigarettes 20 Pack (Marlboro, Camel)

$5.82 €5.02

$19.98 NZ$34.12

-70.87%

Wine (Bottle)

$8.99 €7.74

$11.81 NZ$20.17

-23.88%

Local Beer (0.5 liter bottle)

$1.79 €1.54

$2.22 NZ$3.79

-19.37%

Imported Beer (0.33 liter bottle)

$2.30 €1.99

$2.64 NZ$4.51

-12.88%

One-way Ticket (Public Transport)

$0.63 €0.54

$2.38 NZ$4.07

-73.53%

Public Transport Monthly Pass (Regular Price)

$58.4 €50.3

$64.5 NZ$110

-9.49%

Taxi Start (Normal Tariff)

$2.34 €2.02

$2.43 NZ$4.15

-3.70%

Taxi (Normal Tariff) (1km)

$1.01 €0.87

$1.84 NZ$3.14

-45.11%

Taxi 1hour Waiting (Normal Tariff)

$10.20 €8.78

$41.37 NZ$70.7

-75.34%

Gasoline (1 liter)

$1.79 €1.54

$1.64 NZ$2.80

9.15%

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

$34.5K €29.7K

$23.8K NZ$40.6K

44.92%

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

$26.8K €23.1K

$23.2K NZ$39.6K

15.58%

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

$208 €179

$79.5 NZ$136

160.94%

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

$19.88 €17.13

$31.44 NZ$53.7

-36.77%

Internet (50+ Mbps, Unlimited Data)

$32.86 €28.31

$48.94 NZ$83.6

-32.86%

Gym Membership (Monthly)

$48.88 €42.12

$40.93 NZ$69.9

19.42%

Tennis Court (1 Hour on Weekend)

$13.95 €12.02

$9.09 NZ$15.52

53.47%

Cinema Ticket

$8.77 €7.56

$8.05 NZ$13.75

8.94%

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

$498 €429

$405 NZ$691

23.08%

International Primary School, 1 Child (Yearly)

$13.0K €11.2K

$4,897 NZ$8,363

165.01%

Jeans (Levis 501 Or Similar)

$98.3 €84.7

$68.5 NZ$117

43.53%

Summer Dress (H&M, Zara, etc)

$39.47 €34.01

$30.21 NZ$51.6

30.65%

Sport Shoes (Adidas, Nike)

$98.6 €85.0

$102 NZ$174

-3.17%

Men's Leather Business Shoes

$119 €102

$114 NZ$195

3.98%

1-bedroom Apartment, City Center (Monthly)

$868 €748

$783 NZ$1,337

10.81%

1-bedroom Apartment, Outside City Center (Monthly)

$667 €574

$607 NZ$1,036

9.85%

3-bedroom Apartment, City Center (Monthly)

$1,476 €1,272

$1,261 NZ$2,153

17.06%

3-bedroom Apartment, Outside City Center (Monthly)

$1,084 €934

$1,094 NZ$1,869

-0.97%

Buy Apartment in City Center (m2)

$5,035 €4,338

Buy Apartment Outside City Center (m2)

$3,325 €2,865

Average Monthly Net Salary (After Tax)

$1,944 €1,675

$2,481 NZ$4,237

-21.67%

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: June 6, 2026

Last update for Masterton: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $868 in Zagreb and $783 in Masterton. Housing cost is often the main lever when comparing two cities.

Masterton pays 28% 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 $91.0 in Masterton. Groceries flip the comparison at $277 vs $275, with Masterton cheaper for home cooking.

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 Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment. The 10% gap adds up to real monthly savings that compound significantly over time.

On paper, Masterton earns 28% less. 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: $868 in Zagreb versus $783 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 $91.0 versus $69.0 in Zagreb. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,685 per month in Zagreb versus $1,536 in Masterton – a 10% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,536 in Masterton versus $1,685 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 10% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.