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

Monthly Cost of Living

A single person spends $1,738 per month in Zagreb vs $1,504 in Umag, rent included.

A couple spends around $2,574 per month in Zagreb vs $2,254 in Umag, rent included.

A family of three spends $3,409 per month in Zagreb vs $3,003 in Umag, rent included.

Zagreb costs about 16% more than Umag, driven mainly by Getting Around.

Both Zagreb and Umag sit above the global median – Zagreb by 30%, Umag by 12%.

Meal at Budget Restaurant

$11.78 €10.13

$11.64 €10.02

1.20%

Three-Course Dinner for Two, Mid-Range

$69.1 €59.5

$68.2 €58.7

1.36%

Fast Food Meal (McDonalds, etc)

$9.49 €8.16

$9.37 €8.06

1.28%

Cappuccino

$2.43 €2.09

$2.26 €1.94

7.52%

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

$3.16 €2.72

$3.03 €2.60

4.29%

Water (0.33 liter bottle)

$2.36 €2.03

$2.34 €2.01

0.85%

Local Beer (0.5 liter draught)

$3.67 €3.16

$3.71 €3.19

-1.08%

Imported Beer (0.33 liter bottle)

$4.67 €4.01

$4.54 €3.91

2.86%

Milk (1 liter)

$1.35 €1.16

$1.28 €1.10

5.47%

White Bread (500g)

$1.87 €1.61

$1.93 €1.66

-3.11%

Rice (white) (1kg)

$2.66 €2.28

$2.75 €2.37

-3.27%

Eggs

$3.65 €3.14

$3.81 €3.28

-4.20%

Local Cheese (1kg)

$10.88 €9.36

$11.16 €9.60

-2.51%

Chicken Fillets (1kg)

$9.92 €8.54

$9.96 €8.57

-0.40%

Beef Round Steak (1kg)

$12.72 €10.94

$12.50 €10.75

1.76%

Apples (1kg)

$1.88 €1.62

$1.88 €1.61

Banana (1kg)

$1.66 €1.43

$1.72 €1.48

-3.49%

Oranges (1kg)

$1.98 €1.71

$2.06 €1.77

-3.88%

Tomato (1kg)

$3.06 €2.64

$2.98 €2.56

2.68%

Potato (1kg)

$1.44 €1.24

$1.40 €1.20

2.86%

Onion (1kg)

$1.47 €1.26

$1.44 €1.24

2.08%

Lettuce (1 head)

$1.30 €1.12

$1.26 €1.08

3.17%

Water (1.5 liter bottle)

$1.29 €1.11

$1.32 €1.13

-2.27%

Cigarettes 20 Pack (Marlboro, Camel)

$5.76 €4.96

$5.77 €4.96

-0.17%

Wine (Bottle)

$9.49 €8.16

$9.51 €8.18

-0.21%

Local Beer (0.5 liter bottle)

$1.84 €1.58

$1.77 €1.53

3.95%

Imported Beer (0.33 liter bottle)

$2.30 €1.98

$2.30 €1.97

One-way Ticket (Public Transport)

$0.64 €0.55

$1.75 €1.51

-63.43%

Public Transport Monthly Pass (Regular Price)

$57.0 €49.05

$42.76 €36.78

33.35%

Taxi Start (Normal Tariff)

$2.28 €1.96

$2.35 €2.02

-2.98%

Taxi (Normal Tariff) (1km)

$1.07 €0.92

$1.06 €0.91

0.94%

Taxi 1hour Waiting (Normal Tariff)

$10.12 €8.70

$10.47 €9.01

-3.34%

Gasoline (1 liter)

$1.79 €1.54

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

$35.1K €30.2K

$34.4K €29.6K

1.97%

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

$26.2K €22.5K

$26.1K €22.5K

0.22%

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

$208 €179

$206 €177

0.98%

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

$20.19 €17.37

$19.50 €16.77

3.54%

Internet (50+ Mbps, Unlimited Data)

$32.82 €28.23

$32.40 €27.87

1.30%

Gym Membership (Monthly)

$50.7 €43.58

$51.5 €44.34

-1.71%

Tennis Court (1 Hour on Weekend)

$14.47 €12.44

$14.89 €12.81

-2.82%

Cinema Ticket

$8.85 €7.61

$8.63 €7.42

2.55%

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

$501 €431

$239 €205

110.13%

International Primary School, 1 Child (Yearly)

$13.3K €11.4K

$13.2K €11.4K

0.39%

Jeans (Levis 501 Or Similar)

$98.3 €84.5

$99.7 €85.8

-1.44%

Summer Dress (H&M, Zara, etc)

$39.43 €33.92

$39.84 €34.27

-1.03%

Sport Shoes (Adidas, Nike)

$98.2 €84.5

$95.5 €82.1

2.86%

Men's Leather Business Shoes

$117 €100

-0.14%

1-bedroom Apartment, City Center (Monthly)

$873 €751

$670 €577

30.18%

1-bedroom Apartment, Outside City Center (Monthly)

$662 €569

$465 €400

42.34%

3-bedroom Apartment, City Center (Monthly)

$1,467 €1,262

$1,059 €911

38.49%

3-bedroom Apartment, Outside City Center (Monthly)

$1,079 €928

$766 €659

40.86%

Buy Apartment in City Center (m2)

$5,268 €4,531

$4,720 €4,060

11.59%

Buy Apartment Outside City Center (m2)

$3,255 €2,800

$2,879 €2,476

13.07%

Average Monthly Net Salary (After Tax)

$1,886 €1,623

20-Year Fixed Mortgage Interest Rate (Annual %)

3.72

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

Last update for Zagreb: June 2, 2026

Last update for Umag: June 2, 2026

Cost Breakdown

A central one-bedroom costs $873 in Zagreb versus $670 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 $69.0 in Zagreb versus $68.0 in Umag. Groceries tell a different story – $281 in Zagreb vs $282 in Umag – so Zagreb 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 16% 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 $2,607 per month in Zagreb and $2,256 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.

Interestingly, groceries are about 0% cheaper in Zagreb – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $69.0 in Zagreb and $68.0 in Umag. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Umag, where all-in costs run around $1,504, than in Zagreb at $1,738. 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 $1,504 versus $1,738 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.