Cost of Living Comparison Between Zagreb and Umag Cost of Living Comparison Between Zagreb and Umag

Monthly Cost of Living

A single person spends $1,815 per month in Zagreb vs $1,649 in Umag, rent included.

A couple spends around $2,718 per month in Zagreb vs $2,450 in Umag, rent included.

A family of three spends $3,620 per month in Zagreb vs $3,251 in Umag, rent included.

Zagreb costs about 10% more than Umag, driven mainly by Getting Around.

Both Zagreb and Umag sit above the global median – Zagreb by 32%, Umag by 20%.

Meal at Budget Restaurant

$13.88 €11.96

$13.40 €11.55

3.58%

Three-Course Dinner for Two, Mid-Range

$60.3 €51.9

$60.6 €52.3

-0.59%

Fast Food Meal (McDonalds, etc)

$8.30 €7.16

$8.20 €7.07

1.22%

Cappuccino

$2.63 €2.26

$2.39 €2.06

10.04%

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

$3.17 €2.73

$3.02 €2.60

4.97%

Water (0.33 liter bottle)

$2.64 €2.28

$2.25 €1.94

17.33%

Local Beer (0.5 liter draught)

$3.40 €2.93

$3.46 €2.98

-1.73%

Imported Beer (0.33 liter bottle)

$4.72 €4.07

$4.58 €3.95

3.06%

Milk (1 liter)

$1.35 €1.16

$1.40 €1.21

-3.57%

White Bread (500g)

$1.73 €1.49

$1.72 €1.49

0.58%

Rice (white) (1kg)

$3.07 €2.65

$3.17 €2.73

-3.15%

Eggs

$4.10 €3.53

$4.05 €3.49

1.23%

Local Cheese (1kg)

$16.57 €14.28

$16.08 €13.86

3.05%

Chicken Fillets (1kg)

$12.71 €10.96

$12.52 €10.80

1.52%

Beef Round Steak (1kg)

$17.87 €15.41

$17.87 €15.40

Apples (1kg)

$2.30 €1.98

$2.34 €2.01

-1.71%

Banana (1kg)

$1.90 €1.64

Oranges (1kg)

$2.18 €1.88

$2.16 €1.86

0.93%

Tomato (1kg)

$2.71 €2.34

$2.69 €2.32

0.74%

Potato (1kg)

$1.45 €1.25

$1.40 €1.20

3.57%

Onion (1kg)

$1.07 €0.92

$1.11 €0.96

-3.60%

Lettuce (1 head)

$1.33 €1.14

$1.32 €1.14

0.76%

Water (1.5 liter bottle)

$1.34 €1.15

$1.31 €1.13

2.29%

Cigarettes 20 Pack (Marlboro, Camel)

$5.78 €4.98

$5.87 €5.06

-1.53%

Wine (Bottle)

$9.15 €7.89

$9.40 €8.10

-2.66%

Local Beer (0.5 liter bottle)

$1.73 €1.49

$1.72 €1.48

0.58%

Imported Beer (0.33 liter bottle)

$2.49 €2.15

$2.40 €2.06

3.75%

One-way Ticket (Public Transport)

$0.60 €0.51

$1.55 €1.34

-61.29%

Public Transport Monthly Pass (Regular Price)

$58.2 €50.2

$40.90 €35.25

42.30%

Taxi Start (Normal Tariff)

$2.26 €1.95

$2.29 €1.98

-1.31%

Taxi (Normal Tariff) (1km)

$1.43 €1.24

$1.47 €1.27

-2.72%

Taxi 1hour Waiting (Normal Tariff)

$11.00 €9.49

$11.08 €9.55

-0.72%

Gasoline (1 liter)

$1.86 €1.60

$1.94 €1.68

-4.12%

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

$27.9K €24.1K

$27.7K €23.8K

0.92%

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

$27.6K €23.8K

$27.2K €23.5K

1.47%

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

$218 €188

$219 €189

-0.43%

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

$22.03 €18.99

$22.50 €19.39

-2.09%

Internet (50+ Mbps, Unlimited Data)

$40.41 €34.84

$41.69 €35.94

-3.07%

Gym Membership (Monthly)

$53.8 €46.37

$53.1 €45.80

1.22%

Tennis Court (1 Hour on Weekend)

$19.46 €16.78

$15.90 €13.71

22.39%

Cinema Ticket

$9.40 €8.11

$8.73 €7.52

7.67%

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

$555 €478

$551 €475

0.69%

International Primary School, 1 Child (Yearly)

$10.9K €9,364

$10.7K €9,239

1.36%

Jeans (Levis 501 Or Similar)

$109 €94.4

$107 €92.2

2.39%

Summer Dress (H&M, Zara, etc)

$46.46 €40.05

$46.15 €39.79

0.67%

Sport Shoes (Adidas, Nike)

$98.8 €85.2

$99.1 €85.5

-0.36%

Men's Leather Business Shoes

$111 €96.0

$112 €96.7

-0.76%

1-bedroom Apartment, City Center (Monthly)

$916 €789

$710 €612

29.02%

1-bedroom Apartment, Outside City Center (Monthly)

$700 €603

$533 €459

31.26%

3-bedroom Apartment, City Center (Monthly)

$1,460 €1,259

$1,221 €1,052

19.63%

3-bedroom Apartment, Outside City Center (Monthly)

$1,067 €920

$861 €742

23.95%

Buy Apartment in City Center (m2)

$5,291 €4,561

$4,179 €3,603

26.60%

Buy Apartment Outside City Center (m2)

$3,520 €3,034

$2,976 €2,565

18.27%

Average Monthly Net Salary (After Tax)

$1,954 €1,685

20-Year Fixed Mortgage Interest Rate (Annual %)

3.25

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

Last update for Zagreb: September 6, 2026

Last update for Umag: September 7, 2026

Cost Breakdown

A central one-bedroom costs $916 in Zagreb versus $710 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 $60.0 in Zagreb versus $61.0 in Umag. Groceries tell a different story – $331 in Zagreb vs $329 in Umag – so Umag wins on supermarket bills even if dining out costs more.

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 10% more than Umag, with the gap driven mainly by Getting Around. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,722 per month in Zagreb and $2,473 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. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Groceries cost about 1% more in Zagreb, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $60.0 in Zagreb and $61.0 in Umag. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,000 monthly budget goes further in Umag, where all-in costs run around $1,649, than in Zagreb at $1,815. In Umag it covers expenses comfortably, while in Zagreb it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Umag costs $1,649 versus $1,815 in Zagreb. 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 Umag. If higher salaries, better infrastructure, or specific career opportunities are the priority, Zagreb makes more sense. Both are solid long-term options with distinct trade-offs.