Last update: Oct 2026

Cost of Living Comparison Between Zagreb and Umag

For one person, living is cheaper in Umag: $1,562 a month against $1,772 in Zagreb, rent and utilities included – about $2,500 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
77

Cost of Living Index in Umag
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Umag Living Index

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Zagreb

🇭🇷 Croatia

$1,772

/mo nomad

Umag

🇭🇷 Croatia

$1,562

/mo nomad

Monthly Cost of Living

How much you'll spend in Zagreb and in Umag

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

A single person spends $1,772 per month in Zagreb vs $1,562 in Umag, rent included.

Zagreb $1,772
Umag $1,562

A couple spends around $2,619 per month in Zagreb vs $2,448 in Umag, rent included.

Zagreb $2,619
Umag $2,448

A family of three spends $3,467 per month in Zagreb vs $3,333 in Umag, rent included.

Zagreb $3,467
Umag $3,333

Zagreb costs about 13% more than Umag, and outside of rent the biggest gap is in eating out.

Both Zagreb and Umag sit above the global median – Zagreb by 30%, Umag by 15%.

Meal at Budget Restaurant

$12.33 €11.08

$12.16 €10.92

1.40%

Three-Course Dinner for Two, Mid-Range

$63.9 €57.4

$65.3 €58.6

-2.01%

Fast Food Meal (McDonalds, etc)

$8.01 €7.20

$8.29 €7.44

-3.38%

Cappuccino

$2.50 €2.25

$2.26 €2.03

10.62%

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

$3.09 €2.77

$2.99 €2.69

3.34%

Water (0.33 liter bottle)

$2.62 €2.35

$2.28 €2.05

14.91%

Local Beer (0.5 liter draught)

$3.42 €3.07

$3.34 €3.00

2.40%

Imported Beer (0.33 liter bottle)

$4.51 €4.05

$4.35 €3.91

3.68%

Milk (1 liter)

$1.27 €1.14

$1.30 €1.17

-2.31%

White Bread (500g)

$1.60 €1.43

$1.57 €1.41

1.91%

Rice (white) (1kg)

$2.68 €2.41

$2.80 €2.51

-4.29%

Eggs

$3.95 €3.54

$3.83 €3.44

3.13%

Local Cheese (1kg)

$14.58 €13.10

$14.69 €13.19

-0.75%

Chicken Fillets (1kg)

$11.47 €10.30

$11.49 €10.32

-0.17%

Beef Round Steak (1kg)

$17.35 €15.58

$17.63 €15.84

-1.59%

Apples (1kg)

$2.31 €2.07

$2.23 €2.00

3.59%

Banana (1kg)

$1.65 €1.48

$1.64 €1.48

0.61%

Oranges (1kg)

$2.19 €1.96

$2.21 €1.98

-0.90%

Tomato (1kg)

$2.56 €2.30

$2.45 €2.20

4.49%

Potato (1kg)

$1.36 €1.22

Onion (1kg)

$1.20 €1.08

$1.26 €1.13

-4.76%

Lettuce (1 head)

$1.19 €1.07

Water (1.5 liter bottle)

$1.29 €1.16

$1.28 €1.15

0.78%

Cigarettes 20 Pack (Marlboro, Camel)

$6.08 €5.46

$6.09 €5.47

-0.16%

Wine (Bottle)

$11.07 €9.94

$11.15 €10.01

-0.72%

Local Beer (0.5 liter bottle)

$1.69 €1.51

$1.68 €1.51

0.60%

Imported Beer (0.33 liter bottle)

$2.46 €2.21

$2.45 €2.20

0.41%

One-way Ticket (Public Transport)

$0.57 €0.51

$1.82 €1.64

-68.68%

Public Transport Monthly Pass (Regular Price)

$53.2 €47.82

$47.33 €42.51

12.49%

Taxi Start (Normal Tariff)

$2.18 €1.96

$2.27 €2.04

-3.96%

Taxi (Normal Tariff) (1km)

$1.44 €1.29

$1.42 €1.27

1.41%

Taxi 1hour Waiting (Normal Tariff)

$12.39 €11.13

$12.15 €10.91

1.98%

Gasoline (1 liter)

$1.90 €1.70

$1.89 €1.70

0.53%

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

$27.9K €25.1K

$27.1K €24.4K

2.93%

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

$26.0K €23.4K

$25.5K €22.9K

2.04%

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

$215 €193

$210 €189

2.31%

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

$22.34 €20.07

$22.03 €19.79

1.41%

Internet (50+ Mbps, Unlimited Data)

$38.73 €34.79

$37.86 €34.01

2.30%

Gym Membership (Monthly)

$48.65 €43.70

$51.4 €46.14

-5.28%

Tennis Court (1 Hour on Weekend)

$18.95 €17.02

$15.08 €13.54

25.66%

Cinema Ticket

$10.41 €9.35

$8.56 €7.69

21.61%

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

$499 €448

$489 €439

2.05%

International Primary School, 1 Child (Yearly)

$9,720 €8,731

$9,869 €8,865

-1.51%

Jeans (Levis 501 Or Similar)

$109 €97.6

$111 €99.9

-2.36%

Summer Dress (H&M, Zara, etc)

$42.23 €37.93

$42.52 €38.20

-0.68%

Sport Shoes (Adidas, Nike)

$102 €91.9

$103 €92.2

-0.39%

Men's Leather Business Shoes

$111 €99.3

$114 €103

-3.24%

1-bedroom Apartment, City Center (Monthly)

$888 €798

$602 €541

47.53%

1-bedroom Apartment, Outside City Center (Monthly)

$683 €614

$483 €434

41.33%

3-bedroom Apartment, City Center (Monthly)

$1,468 €1,319

$1,252 €1,125

17.25%

3-bedroom Apartment, Outside City Center (Monthly)

$1,066 €958

$941 €846

13.28%

Buy Apartment in City Center (m2)

$5,275 €4,739

$4,602 €4,134

14.64%

Buy Apartment Outside City Center (m2)

$3,670 €3,297

$3,282 €2,948

11.80%

Average Monthly Net Salary (After Tax)

$1,975 €1,774

20-Year Fixed Mortgage Interest Rate (Annual %)

3.3

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

Last update for Zagreb: October 25, 2026

Last update for Umag: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Zagreb

$683 38.5%

Umag

$483 30.9% 29.2% $200

Groceries & Markets

Zagreb

$314 17.7%

Umag

$314 20.1% 0.1% $0.5

Monthly Utilities & Internet

Zagreb

$276 15.6%

Umag

$270 17.3% 2.2% $6

Eating Out

Zagreb

$202 11.4%

Umag

$196 12.5% 2.9% $5.9

Clothing & Footwear

Zagreb

$164 9.2%

Umag

$167 10.7% 1.9% $3.2

Sport & Entertainment

Zagreb

$69 3.9%

Umag

$68 4.4% 1.4% $1

Getting Around

Zagreb

$65 3.7%

Umag

$64 4.1% 1.4% $0.9

Cost Breakdown

A central one-bedroom costs $888 in Zagreb versus $602 in Umag. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $64 in Zagreb versus $65 in Umag. Monthly groceries follow the same trend: $314 vs $314 – making Zagreb the more affordable choice for daily food spending.

Good to know

🇭🇷 Zagreb

🇭🇷 Umag

🕒 Local time

21:22 9:22 PM

Same time as Zagreb

🌤 Weather

👥 Population

767,131 Capital

13,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

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From you

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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 Umag: Cost of Living - Frequently Asked Questions

Zagreb costs about 13% more than Umag, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,658 per month in Zagreb and $2,343 in Umag. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Umag, especially for central apartments: a one-bedroom in the center costs $602 there versus $888 in Zagreb.

Monthly expenses with rent come to $1,772 in Zagreb and $1,562 in Umag. That makes Umag about 12% cheaper.

Public transport costs about 11% less in Umag. For daily commuters, that gap adds up to noticeable savings over a year.

$1,000 is a stretch for both – monthly costs hit $1,772 in Zagreb and $1,562 in Umag. You’ll need shared housing and careful budgeting no matter which city you pick.

It depends on your priorities. Zagreb has an edge in some lifestyle areas, with costs from $1,562 in Umag to $1,772 in Zagreb. 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.