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: $1,841 in Zagreb versus $867 in Masterton.

Estimated couple costs with rent: $2,690 in Zagreb versus $1,478 in Masterton.

Monthly costs for a family of three with rent: $3,539 in Zagreb versus $2,089 in Masterton.

Living in Zagreb is roughly 112% more expensive than in Masterton, driven mainly by Getting Around.

The two cities straddle the global median: Zagreb is 35% above, Masterton is 37% below.

Meal at Budget Restaurant

$13.87 €12.02

$9.94 NZ$17.28

39.54%

Three-Course Dinner for Two, Mid-Range

$60.0 €52.0

$66.8 NZ$116

-10.14%

Fast Food Meal (McDonalds, etc)

$7.87 €6.82

$8.59 NZ$14.93

-8.38%

Cappuccino

$2.55 €2.21

$3.30 NZ$5.74

-22.73%

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

$3.16 €2.73

$2.07 NZ$3.60

52.66%

Water (0.33 liter bottle)

$2.58 €2.24

$1.18 NZ$2.05

118.64%

Local Beer (0.5 liter draught)

$3.39 €2.94

$3.94 NZ$6.85

-13.96%

Imported Beer (0.33 liter bottle)

$4.74 €4.10

$3.53 NZ$6.14

34.28%

Milk (1 liter)

$1.31 €1.14

$1.48 NZ$2.58

-11.49%

White Bread (500g)

$1.68 €1.45

$2.25 NZ$3.91

-25.33%

Rice (white) (1kg)

$3.15 €2.73

$1.07 NZ$1.86

194.39%

Eggs

$4.15 €3.60

$6.32 NZ$10.98

-34.34%

Local Cheese (1kg)

$16.23 €14.06

$8.78 NZ$15.27

84.85%

Chicken Fillets (1kg)

$12.41 €10.75

$10.24 NZ$17.80

21.19%

Beef Round Steak (1kg)

$17.77 €15.40

$15.78 NZ$27.44

12.61%

Apples (1kg)

$2.30 €1.99

$2.36 NZ$4.10

-2.54%

Banana (1kg)

$1.85 €1.60

$1.79 NZ$3.11

3.35%

Oranges (1kg)

$2.11 €1.83

$3.16 NZ$5.50

-33.23%

Tomato (1kg)

$2.78 €2.41

$4.70 NZ$8.16

-40.85%

Potato (1kg)

$1.46 €1.27

$1.55 NZ$2.69

-5.81%

Onion (1kg)

$1.12 €0.97

$1.16 NZ$2.01

-3.45%

Lettuce (1 head)

$1.31 €1.14

$1.78 NZ$3.09

-26.40%

Water (1.5 liter bottle)

$1.33 €1.15

$0.50 NZ$0.87

166.00%

Cigarettes 20 Pack (Marlboro, Camel)

$5.73 €4.97

$19.84 NZ$34.50

-71.12%

Wine (Bottle)

$9.20 €7.97

$11.37 NZ$19.77

-19.09%

Local Beer (0.5 liter bottle)

$1.63 €1.42

$0.90 NZ$1.56

81.11%

Imported Beer (0.33 liter bottle)

$2.40 €2.08

$1.19 NZ$2.07

101.68%

One-way Ticket (Public Transport)

$0.62 €0.54

$2.36 NZ$4.10

-73.73%

Public Transport Monthly Pass (Regular Price)

$56.6 €49.06

Taxi Start (Normal Tariff)

$2.37 €2.05

$1.87 NZ$3.25

26.74%

Taxi (Normal Tariff) (1km)

$1.47 €1.28

$1.81 NZ$3.15

-18.78%

Taxi 1hour Waiting (Normal Tariff)

$11.41 €9.88

$34.33 NZ$59.7

-66.76%

Gasoline (1 liter)

$1.88 €1.63

$1.74 NZ$3.02

8.05%

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

$27.4K €23.7K

$23.4K NZ$40.7K

16.98%

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

$27.3K €23.7K

$25.5K NZ$44.3K

7.33%

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

$215 €186

$57.7 NZ$100

272.44%

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

$22.97 €19.91

$31.00 NZ$53.9

-25.90%

Internet (50+ Mbps, Unlimited Data)

$45.40 €39.34

$54.6 NZ$94.9

-16.85%

Gym Membership (Monthly)

$54.8 €47.52

$43.22 NZ$75.1

26.86%

Tennis Court (1 Hour on Weekend)

$19.37 €16.79

$8.33 NZ$14.48

132.53%

Cinema Ticket

$9.39 €8.14

$9.70 NZ$16.86

-3.20%

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

$541 €469

$1,069 NZ$1,859

-49.42%

International Primary School, 1 Child (Yearly)

$10.8K €9,331

$13.3K NZ$23.1K

-19.04%

Jeans (Levis 501 Or Similar)

$110 €95.2

$57.0 NZ$99.1

92.82%

Summer Dress (H&M, Zara, etc)

$46.00 €39.87

$28.98 NZ$50.4

58.73%

Sport Shoes (Adidas, Nike)

$100.0 €86.6

$104 NZ$182

-4.27%

Men's Leather Business Shoes

$112 €96.7

$142 NZ$247

-21.42%

1-bedroom Apartment, City Center (Monthly)

$889 €771

1-bedroom Apartment, Outside City Center (Monthly)

$684 €593

3-bedroom Apartment, City Center (Monthly)

$1,437 €1,246

$1,032 NZ$1,795

39.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,048 €909

Buy Apartment in City Center (m2)

$5,191 €4,499

Buy Apartment Outside City Center (m2)

$3,555 €3,081

Average Monthly Net Salary (After Tax)

$2,015 €1,747

$2,429 NZ$4,224

-17.04%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

5.39

-39.70%

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

Last update for Zagreb: September 13, 2026

Last update for Masterton: September 13, 2026

Cost Breakdown

Masterton pays 21% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $60.0 in Zagreb vs $67.0 in Masterton. Groceries flip the comparison at $327 vs $300, 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, Getting Around. The 112% gap adds up to real monthly savings that compound significantly over time.

On paper, salaries run 21% 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.

Supermarket bills run roughly 9% higher in Zagreb. For households that cook at home regularly, that difference adds up over a month.

All in, you'll spend $1,841 per month in Zagreb versus $867 in Masterton – a 112% gap that adds up to real savings over time for anyone picking the cheaper option.

At $867 in Masterton versus $1,841 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 112% less than in Zagreb. Beyond cost, consider language, visa policies, and how big the international community is in each city.