Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Opatija

For one person, living costs are similar in Zagreb and in Opatija: $1,750 and $1,750 a month, rent and utilities included.

84

Cost of Living Index in Zagreb
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Zagreb Living Index
84

Cost of Living Index in Opatija
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Opatija Living Index

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Zagreb

🇭🇷 Croatia

$1,750

/mo nomad

Opatija

🇭🇷 Croatia

$1,750

/mo nomad

Monthly Cost of Living

How much you'll spend in Zagreb and in Opatija

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

A single person spends $1,750 per month in Zagreb vs $1,750 in Opatija, rent included.

Zagreb $1,750
Opatija $1,750

A couple spends around $2,599 per month in Zagreb vs $2,468 in Opatija, rent included.

Zagreb $2,599
Opatija $2,468

A family of three spends $3,449 per month in Zagreb vs $3,185 in Opatija, rent included.

Zagreb $3,449
Opatija $3,185

Zagreb and Opatija have comparable living costs – the differences are in the details.

Both Zagreb and Opatija sit above the global median – Zagreb by 29%, Opatija by 29%.

Meal at Budget Restaurant

$12.16 €10.83

$12.15 €10.82

0.08%

Three-Course Dinner for Two, Mid-Range

$61.8 €55.1

$65.5 €58.3

-5.62%

Fast Food Meal (McDonalds, etc)

$8.21 €7.31

$8.08 €7.19

1.61%

Cappuccino

$2.64 €2.35

$2.53 €2.25

4.35%

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

$3.15 €2.81

$2.98 €2.66

5.70%

Water (0.33 liter bottle)

$2.59 €2.30

$1.96 €1.74

32.14%

Local Beer (0.5 liter draught)

$3.29 €2.93

$3.25 €2.89

1.23%

Imported Beer (0.33 liter bottle)

$4.61 €4.11

$4.42 €3.93

4.30%

Milk (1 liter)

$1.26 €1.12

$1.24 €1.10

1.61%

White Bread (500g)

$1.58 €1.40

$1.53 €1.36

3.27%

Rice (white) (1kg)

$2.78 €2.48

$2.82 €2.51

-1.42%

Eggs

$3.99 €3.56

$3.70 €3.29

7.84%

Local Cheese (1kg)

$14.51 €12.92

$14.68 €13.07

-1.16%

Chicken Fillets (1kg)

$11.49 €10.23

$10.29 €9.16

11.66%

Beef Round Steak (1kg)

$17.68 €15.74

$14.52 €12.93

21.76%

Apples (1kg)

$2.31 €2.06

$1.73 €1.54

33.53%

Banana (1kg)

$1.73 €1.54

$1.65 €1.47

4.85%

Oranges (1kg)

$2.09 €1.86

$1.87 €1.66

11.76%

Tomato (1kg)

$2.44 €2.18

$2.54 €2.26

-3.94%

Potato (1kg)

$1.41 €1.26

$1.38 €1.23

2.17%

Onion (1kg)

$1.20 €1.07

$1.25 €1.12

-4.00%

Lettuce (1 head)

$1.20 €1.07

$1.24 €1.10

-3.23%

Water (1.5 liter bottle)

$1.30 €1.16

$1.34 €1.19

-2.99%

Cigarettes 20 Pack (Marlboro, Camel)

$6.29 €5.60

$5.73 €5.10

9.77%

Wine (Bottle)

$11.12 €9.90

$7.60 €6.77

46.32%

Local Beer (0.5 liter bottle)

$1.70 €1.51

$1.60 €1.42

6.25%

Imported Beer (0.33 liter bottle)

$2.42 €2.16

$2.19 €1.95

10.50%

One-way Ticket (Public Transport)

$0.58 €0.52

$1.66 €1.48

-65.06%

Public Transport Monthly Pass (Regular Price)

$53.5 €47.61

$45.21 €40.26

18.27%

Taxi Start (Normal Tariff)

$2.23 €1.99

$4.59 €4.09

-51.42%

Taxi (Normal Tariff) (1km)

$1.37 €1.22

$1.46 €1.30

-6.16%

Taxi 1hour Waiting (Normal Tariff)

$12.51 €11.14

$12.22 €10.88

2.37%

Gasoline (1 liter)

$1.86 €1.66

$1.89 €1.68

-1.59%

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

$27.3K €24.3K

$27.2K €24.2K

0.60%

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

$25.6K €22.8K

$24.9K €22.2K

2.85%

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

$216 €192

$192 €171

12.67%

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

$22.40 €19.95

$22.56 €20.09

-0.71%

Internet (50+ Mbps, Unlimited Data)

$37.66 €33.53

$39.04 €34.76

-3.53%

Gym Membership (Monthly)

$46.87 €41.73

$52.1 €46.41

-10.09%

Tennis Court (1 Hour on Weekend)

$18.88 €16.81

$15.44 €13.75

22.28%

Cinema Ticket

$10.50 €9.35

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

$494 €440

$499 €444

-0.88%

International Primary School, 1 Child (Yearly)

$13.4K €11.9K

$9,807 €8,732

36.49%

Jeans (Levis 501 Or Similar)

$110 €97.5

$97.1 €86.5

12.80%

Summer Dress (H&M, Zara, etc)

$42.83 €38.14

$41.15 €36.64

4.08%

Sport Shoes (Adidas, Nike)

$103 €91.6

$103 €91.4

0.19%

Men's Leather Business Shoes

$111 €98.6

$112 €99.7

-1.08%

1-bedroom Apartment, City Center (Monthly)

$892 €794

$691 €616

28.96%

1-bedroom Apartment, Outside City Center (Monthly)

$659 €587

$718 €639

-8.18%

3-bedroom Apartment, City Center (Monthly)

$1,448 €1,289

$988 €880

46.56%

3-bedroom Apartment, Outside City Center (Monthly)

$1,057 €941

$877 €781

20.55%

Buy Apartment in City Center (m2)

$5,331 €4,747

$4,152 €3,697

28.41%

Buy Apartment Outside City Center (m2)

$3,619 €3,222

$3,490 €3,108

3.68%

Average Monthly Net Salary (After Tax)

$1,964 €1,749

$1,238 €1,102

58.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.32

3.3

0.61%

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

Last update for Zagreb: October 31, 2026

Last update for Opatija: November 3, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$659 37.7%

Opatija

$718 41% 8.9% $59

Groceries & Markets

Zagreb

$315 18%

Opatija

$287 16.4% 8.9% $28

Monthly Utilities & Internet

Zagreb

$276 15.8%

Opatija

$253 14.5% 8.2% $23

Eating Out

Zagreb

$202 11.6%

Opatija

$197 11.2% 2.7% $5.6

Clothing & Footwear

Zagreb

$165 9.4%

Opatija

$159 9.1% 3.6% $5.9

Sport & Entertainment

Zagreb

$68 3.9%

Opatija

$73 4.2% 7.8% $5.3

Getting Around

Zagreb

$65 3.7%

Opatija

$64 3.6% 1.7% $1.1

Cost Breakdown

A central one-bedroom costs $892 in Zagreb versus $691 in Opatija. 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 59% higher in Zagreb. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $62 in Zagreb versus $66 in Opatija. Groceries tell a different story – $315 in Zagreb vs $287 in Opatija – so Opatija wins on supermarket bills even if dining out costs more.

Good to know

🇭🇷 Zagreb

🇭🇷 Opatija

🕒 Local time

06:45 6:45 AM

Same time as Zagreb

🌤 Weather

👥 Population

767,131 Capital

10,619

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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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 Opatija: Cost of Living - Frequently Asked Questions

For a comfortable life, plan on about $2,624 per month in Zagreb and $2,625 in Opatija. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Opatija, especially for central apartments: a one-bedroom in the center costs $691 there versus $892 in Zagreb.

Interestingly, groceries are about 9% cheaper in Opatija – one category where the pricier city actually offers better value.

Kindergarten costs $494 per month in Zagreb and $499 in Opatija. For families with young kids, this one expense can tip the scales when choosing between the two cities.

$3,000 covers both cities comfortably – all-in costs are $1,750 in Zagreb and $1,750 in Opatija, leaving budget for savings and extras in both cases.

It depends on your priorities. Zagreb has an edge in some lifestyle areas, with costs from $1,750 in Zagreb to $1,750 in Opatija. Climate, culture, job market, and personal taste all factor in.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.