Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Masterton

For one person, living is cheaper in Masterton: $841 a month against $1,772 in Zagreb, rent and utilities included – about $11,200 less a year. Rent and utilities account for most of the difference.

85

Cost of Living Index in Zagreb
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Zagreb Living Index
41

Cost of Living Index in Masterton
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Masterton Living Index

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Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Masterton

🇳🇿 New Zealand

$841

/mo nomad

Monthly Cost of Living

How much you'll spend in Zagreb and in Masterton

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

Monthly costs for one person with rent: $1,772 in Zagreb versus $841 in Masterton.

Zagreb $1,772
Masterton $841

Estimated couple costs with rent: $2,619 in Zagreb versus $1,446 in Masterton.

Zagreb $2,619
Masterton $1,446

Monthly costs for a family of three with rent: $3,467 in Zagreb versus $2,051 in Masterton.

Zagreb $3,467
Masterton $2,051

Living in Zagreb is roughly 111% more expensive than in Masterton, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: Zagreb is 30% above, Masterton is 38% below.

Meal at Budget Restaurant

$12.33 €11.04

$9.26 NZ$16.44

33.15%

Three-Course Dinner for Two, Mid-Range

$63.9 €57.3

$65.0 NZ$115

-1.56%

Fast Food Meal (McDonalds, etc)

$8.01 €7.18

$8.77 NZ$15.58

-8.67%

Cappuccino

$2.50 €2.24

$3.35 NZ$5.95

-25.37%

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

$3.09 €2.76

$1.95 NZ$3.46

58.46%

Water (0.33 liter bottle)

$2.62 €2.35

$1.11 NZ$1.97

136.04%

Local Beer (0.5 liter draught)

$3.42 €3.06

$3.96 NZ$7.04

-13.64%

Imported Beer (0.33 liter bottle)

$4.51 €4.04

$3.40 NZ$6.04

32.65%

Milk (1 liter)

$1.27 €1.13

$1.46 NZ$2.59

-13.01%

White Bread (500g)

$1.60 €1.43

$2.13 NZ$3.77

-24.88%

Rice (white) (1kg)

$2.68 €2.40

$1.10 NZ$1.95

143.64%

Eggs

$3.95 €3.53

$6.49 NZ$11.51

-39.14%

Local Cheese (1kg)

$14.58 €13.06

$8.59 NZ$15.25

69.73%

Chicken Fillets (1kg)

$11.47 €10.27

$9.94 NZ$17.65

15.39%

Beef Round Steak (1kg)

$17.35 €15.54

$15.03 NZ$26.69

15.44%

Apples (1kg)

$2.31 €2.07

$2.22 NZ$3.93

4.05%

Banana (1kg)

$1.65 €1.48

$1.81 NZ$3.21

-8.84%

Oranges (1kg)

$2.19 €1.96

$3.04 NZ$5.40

-27.96%

Tomato (1kg)

$2.56 €2.30

$4.48 NZ$7.95

-42.86%

Potato (1kg)

$1.36 €1.22

$1.51 NZ$2.69

-9.93%

Onion (1kg)

$1.20 €1.08

$1.09 NZ$1.94

10.09%

Lettuce (1 head)

$1.19 €1.07

$1.71 NZ$3.04

-30.41%

Water (1.5 liter bottle)

$1.29 €1.16

$0.52 NZ$0.93

148.08%

Cigarettes 20 Pack (Marlboro, Camel)

$6.08 €5.45

$19.90 NZ$35.33

-69.45%

Wine (Bottle)

$11.07 €9.91

$11.48 NZ$20.39

-3.57%

Local Beer (0.5 liter bottle)

$1.69 €1.51

$0.88 NZ$1.56

92.05%

Imported Beer (0.33 liter bottle)

$2.46 €2.21

$1.22 NZ$2.17

101.64%

One-way Ticket (Public Transport)

$0.57 €0.51

$2.23 NZ$3.97

-74.44%

Public Transport Monthly Pass (Regular Price)

$53.2 €47.68

Taxi Start (Normal Tariff)

$2.18 €1.95

$1.89 NZ$3.36

15.34%

Taxi (Normal Tariff) (1km)

$1.44 €1.29

$1.80 NZ$3.20

-20.00%

Taxi 1hour Waiting (Normal Tariff)

$12.39 €11.09

$33.98 NZ$60.3

-63.54%

Gasoline (1 liter)

$1.90 €1.70

$1.73 NZ$3.08

9.83%

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

$27.9K €25.0K

$22.9K NZ$40.6K

22.13%

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

$26.0K €23.3K

$23.9K NZ$42.4K

8.96%

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

$215 €193

$56.0 NZ$99.5

283.62%

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

$22.34 €20.01

$29.91 NZ$53.1

-25.31%

Internet (50+ Mbps, Unlimited Data)

$38.73 €34.69

$53.4 NZ$94.8

-27.44%

Gym Membership (Monthly)

$48.65 €43.57

$42.36 NZ$75.2

14.85%

Tennis Court (1 Hour on Weekend)

$18.95 €16.97

$8.22 NZ$14.59

130.54%

Cinema Ticket

$10.41 €9.32

$9.47 NZ$16.81

9.93%

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

$499 €447

$1,038 NZ$1,844

-51.94%

International Primary School, 1 Child (Yearly)

$9,720 €8,705

$13.3K NZ$23.6K

-26.99%

Jeans (Levis 501 Or Similar)

$109 €97.3

$56.7 NZ$101

91.67%

Summer Dress (H&M, Zara, etc)

$42.23 €37.82

$28.47 NZ$50.6

48.33%

Sport Shoes (Adidas, Nike)

$102 €91.6

$105 NZ$186

-2.19%

Men's Leather Business Shoes

$111 €99.0

$141 NZ$250

-21.50%

1-bedroom Apartment, City Center (Monthly)

$888 €796

1-bedroom Apartment, Outside City Center (Monthly)

$683 €612

3-bedroom Apartment, City Center (Monthly)

$1,468 €1,315

$1,019 NZ$1,809

44.13%

3-bedroom Apartment, Outside City Center (Monthly)

$1,066 €955

Buy Apartment in City Center (m2)

$5,275 €4,724

Buy Apartment Outside City Center (m2)

$3,670 €3,287

Average Monthly Net Salary (After Tax)

$1,975 €1,769

$2,339 NZ$4,152

-15.57%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

5.39

-38.78%

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

Last update for Zagreb: October 25, 2026

Last update for Masterton: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$683 38.5%

Masterton

- * 0% 100%

Groceries & Markets

Zagreb

$314 17.7%

Masterton

$293 34.8% 6.6% $21

Monthly Utilities & Internet

Zagreb

$276 15.6%

Masterton

$139 16.6% 49.5% $137

Eating Out

Zagreb

$202 11.4%

Masterton

$179 21.3% 11% $22

Clothing & Footwear

Zagreb

$164 9.2%

Masterton

$149 17.7% 9.1% $15

Sport & Entertainment

Zagreb

$69 3.9%

Masterton

$61 7.3% 11.7% $8.2

Getting Around

Zagreb

$65 3.7%

Masterton

$20 * 2.4% 69.4% $45

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Masterton pays 18% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $64 in Zagreb vs $65 in Masterton. Groceries flip the comparison at $314 vs $293, with Masterton cheaper for home cooking.

Good to know

🇭🇷 Zagreb

🇳🇿 Masterton

🕒 Local time

20:38 8:38 PM

08:38 8:38 AM

12 h ahead of Zagreb

🌤 Weather

👥 Population

767,131 Capital

26,800

💱 Currency

Euro EUR €

New Zealand Dollar NZD $

📈 Exchange rate

1 EUR = 1.12 USD

1 NZD = 0.563 USD

1 NZD = 0.504 EUR

Exchange rates and currency converter

NZD, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 31, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

New Zealand Dollar exchange rates as of October 31, 2026: 1 USD = 1.78 NZD (1 NZD = 0.563 USD). 1 EUR = 1.98 NZD (1 NZD = 0.504 EUR).

USD to EUR in detail →

On the map

Lowest

Highest

Between locations

Zagreb Masterton 18,290 km ≈ 23 h nonstop flight

From you

Zagreb
Masterton

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

Zagreb vs Masterton: Cost of Living - Frequently Asked Questions

Masterton is about 53% cheaper overall, especially in transport, eating out, and groceries. That difference adds up to real monthly savings that compound significantly over time.

On paper, salaries run 16% lower in Zagreb. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Supermarket bills run roughly 7% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

Childcare runs $499 in Zagreb versus $1,038 in Masterton. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

At $841 in Masterton versus $1,772 in Zagreb, a $1,000 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.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Zagreb and Masterton are both considered safe, so it’s unlikely to be the deciding factor between them.