Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Oneonta, NY

For one person, living is cheaper in Zagreb: $1,761 a month against $2,072 in Oneonta, NY, rent and utilities included – about $3,700 less a year. Higher rent and utilities in Oneonta, NY outweigh lower spending on other living expenses.

85

Cost of Living Index in Zagreb
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Zagreb Living Index
100

Cost of Living Index in Oneonta, NY
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Oneonta, NY Living Index

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Zagreb

🇭🇷 Croatia

$1,761

/mo nomad

Oneonta, NY

🇺🇸 United States

$2,072

/mo nomad

Monthly Cost of Living

How much you'll spend in Zagreb and in Oneonta, NY

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

A single person spends $1,761 per month in Zagreb vs $2,072 in Oneonta, NY, rent included.

Zagreb $1,761
Oneonta, NY $2,072

A couple spends around $2,604 per month in Zagreb vs $2,976 in Oneonta, NY, rent included.

Zagreb $2,604
Oneonta, NY $2,976

A family of three spends $3,447 per month in Zagreb vs $3,881 in Oneonta, NY, rent included.

Zagreb $3,447
Oneonta, NY $3,881

Zagreb is about 15% cheaper than Oneonta, NY, and outside of rent the biggest gap is in clothing.

Both Zagreb and Oneonta, NY sit above the global median – Zagreb by 30%, Oneonta, NY by 53%.

Meal at Budget Restaurant

$12.50 €11.12

$17.25 $17.25

-27.54%

Three-Course Dinner for Two, Mid-Range

$63.6 €56.6

$55.9 $55.9

13.82%

Fast Food Meal (McDonalds, etc)

$8.33 €7.41

$6.45 $6.45

29.15%

Cappuccino

$2.51 €2.23

$4.05 $4.05

-38.02%

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

$3.00 €2.67

$2.54 $2.54

18.11%

Water (0.33 liter bottle)

$2.54 €2.26

$2.00 $2.00

27.00%

Local Beer (0.5 liter draught)

$3.27 €2.91

$2.94 $2.94

11.22%

Imported Beer (0.33 liter bottle)

$4.36 €3.88

$3.88 $3.88

12.37%

Milk (1 liter)

$1.23 €1.09

$0.90 $0.90

36.67%

White Bread (500g)

$1.66 €1.48

$2.99 $2.99

-44.48%

Rice (white) (1kg)

$2.72 €2.42

$1.22 $1.22

122.95%

Eggs

$3.87 €3.45

$2.03 $2.03

90.64%

Local Cheese (1kg)

$14.61 €12.99

$11.10 $11.10

31.62%

Chicken Fillets (1kg)

$11.95 €10.63

$7.84 $7.84

52.42%

Beef Round Steak (1kg)

$17.44 €15.51

$10.30 $10.30

69.32%

Apples (1kg)

$2.31 €2.05

$3.13 $3.13

-26.20%

Banana (1kg)

$1.78 €1.59

$1.15 $1.15

54.78%

Oranges (1kg)

$2.11 €1.88

$2.59 $2.59

-18.53%

Tomato (1kg)

$2.50 €2.22

$4.42 $4.42

-43.44%

Potato (1kg)

$1.31 €1.17

$1.54 $1.54

-14.94%

Onion (1kg)

$1.19 €1.06

$1.67 $1.67

-28.74%

Lettuce (1 head)

$1.17 €1.04

$1.45 $1.45

-19.31%

Water (1.5 liter bottle)

$1.37 €1.22

$1.53 $1.53

-10.46%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 €5.14

$10.85 $10.85

-46.73%

Wine (Bottle)

$10.23 €9.10

$14.15 $14.15

-27.70%

Local Beer (0.5 liter bottle)

$1.61 €1.43

$3.04 $3.04

-47.04%

Imported Beer (0.33 liter bottle)

$2.48 €2.20

$1.53 $1.53

62.09%

One-way Ticket (Public Transport)

$0.57 €0.51

$1.94 $1.94

-70.62%

Public Transport Monthly Pass (Regular Price)

$53.5 €47.63

Taxi Start (Normal Tariff)

$2.19 €1.95

$3.92 $3.92

-44.13%

Taxi (Normal Tariff) (1km)

$1.42 €1.26

$2.20 $2.20

-35.45%

Taxi 1hour Waiting (Normal Tariff)

$11.67 €10.38

$30.10 $30.10

-61.23%

Gasoline (1 liter)

$1.84 €1.64

$1.03 $1.03

78.64%

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

$27.6K €24.6K

$26.8K $26.8K

3.30%

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

$27.2K €24.2K

$25.8K $25.8K

5.34%

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

$214 €190

$145 $145

47.72%

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

$23.36 €20.77

$34.33 $34.33

-31.95%

Internet (50+ Mbps, Unlimited Data)

$41.16 €36.61

$75.7 $75.7

-45.63%

Gym Membership (Monthly)

$51.1 €45.48

$41.74 $41.74

22.50%

Tennis Court (1 Hour on Weekend)

$18.82 €16.74

Cinema Ticket

$9.13 €8.12

$11.99 $11.99

-23.85%

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

$501 €445

$1,702 $1,702

-70.58%

International Primary School, 1 Child (Yearly)

$9,878 €8,787

$17.4K $17.4K

-43.27%

Jeans (Levis 501 Or Similar)

$111 €98.3

$41.69 $41.69

165.12%

Summer Dress (H&M, Zara, etc)

$42.93 €38.19

$39.31 $39.31

9.21%

Sport Shoes (Adidas, Nike)

$98.0 €87.1

$73.9 $73.9

32.54%

Men's Leather Business Shoes

$110 €98.3

$80.5 $80.5

37.22%

1-bedroom Apartment, City Center (Monthly)

$868 €772

$1,119 $1,119

-22.41%

1-bedroom Apartment, Outside City Center (Monthly)

$668 €594

$1,087 $1,087

-38.58%

3-bedroom Apartment, City Center (Monthly)

$1,463 €1,301

$1,989 $1,989

-26.43%

3-bedroom Apartment, Outside City Center (Monthly)

$1,039 €924

$1,743 $1,743

-40.41%

Buy Apartment in City Center (m2)

$5,031 €4,475

$1,637 $1,637

207.27%

Buy Apartment Outside City Center (m2)

$3,468 €3,085

$1,680 $1,680

106.41%

Average Monthly Net Salary (After Tax)

$1,937 €1,723

$4,116 $4,116

-52.94%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

6.67

-50.52%

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

Last update for Zagreb: October 11, 2026

Last update for Oneonta, NY: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$668 37.9%

Oneonta, NY

$1.1K 52.5% 62.8% $419

Groceries & Markets

Zagreb

$315 17.9%

Oneonta, NY

$289 14% 8.3% $26

Monthly Utilities & Internet

Zagreb

$278 15.8%

Oneonta, NY

$255 12.3% 8.5% $24

Eating Out

Zagreb

$202 11.5%

Oneonta, NY

$247 11.9% 21.9% $44

Clothing & Footwear

Zagreb

$163 9.3%

Oneonta, NY

$106 5.1% 34.9% $57

Sport & Entertainment

Zagreb

$69 3.9%

Oneonta, NY

$66 3.2% 5.3% $3.7

Getting Around

Zagreb

$65 3.7%

Oneonta, NY

$23 * 1.1% 65.2% $42

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

Cost Breakdown

A central one-bedroom costs $868 in Zagreb versus $1,119 in Oneonta, NY. 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 112% higher in Oneonta, NY, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $64.0 in Zagreb versus $56.0 in Oneonta, NY. Monthly groceries follow the same trend: $315 vs $289 – making Oneonta, NY the more affordable choice for daily food spending.

Good to know

🇭🇷 Zagreb

🇺🇸 Oneonta, NY

🕒 Local time

00:50 12:50 AM

18:50 6:50 PM

6 h behind Zagreb

🌤 Weather

👥 Population

767,131 Capital

13,000

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.89 EUR

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Zagreb Oneonta, NY 6,860 km ≈ 9 h nonstop flight

From you

Zagreb
Oneonta, NY

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 Oneonta, NY: Cost of Living - Frequently Asked Questions

Oneonta, NY costs about 18% more than Zagreb, and outside of rent the gap comes mainly from clothing. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,642 per month in Zagreb and $3,108 in Oneonta, NY. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Zagreb, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

A mid-range dinner for two costs $64.0 in Zagreb and $56.0 in Oneonta, NY. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

Interestingly, groceries are about 9% cheaper in Oneonta, NY – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A $3,000 monthly budget goes further in Zagreb, where all-in costs run around $1,761, than in Oneonta, NY at $2,072. In Zagreb it covers expenses comfortably, while in Oneonta, NY it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Zagreb costs $1,761 versus $2,072 in Oneonta, NY. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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