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Expat Exchange - Cost of Living in Umag 2024
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Cost of Living in Umag

By Betsy Burlingame

Universal Tax Professionals
Universal Tax Professionals

Summary: Understanding the the cost of living in Umag helps a newcomer what to expect when it comes to apartment or house hunting, grocery shopping, transportation, dining out, utilities and more.

Apartment Rentals The average cost of renting an apartment in Umag is around €500-€700 per month. This can vary depending on the size and location of the apartment.
Apartment Purchases The average cost of purchasing an apartment in Umag is around €1,000-€1,500 per square meter. This can vary depending on the size and location of the apartment.
Transportation Public transportation in Umag is relatively inexpensive. A single ticket costs around €1.50 and a monthly pass costs around €20. Taxis are also available and the cost of a ride is around €5-€10.
Groceries The cost of groceries in Umag is relatively inexpensive. A loaf of bread costs around €1.50, a liter of milk costs around €1, and a dozen eggs costs around €2.50.
Restaurants The cost of eating out in Umag is relatively inexpensive. A meal at a mid-range restaurant costs around €15-€20 per person. A beer at a bar costs around €2-€3.
Utilities The cost of utilities in Umag is relatively inexpensive. The average cost of electricity is around €50-€60 per month, and the average cost of water is around €20-€30 per month.
Private School Tuition The cost of private school tuition in Umag varies depending on the school. Preschool tuition is around €200-€300 per month, elementary school tuition is around €400-€500 per month, middle school tuition is around €500-€600 per month, and high school tuition is around €600-€700 per month.

Monthly Budget for Retirees in Umag

"The cost of living in Umag is considered to be relatively affordable compared to many other European cities. Rent for a one-bedroom apartment in the city center is quite reasonable, while outside the city center, it is even cheaper. The cost of utilities such as electricity, heating, cooling, water, and garbage is also quite low. Groceries in Umag are reasonably priced, with local markets offering fresh produce at lower costs. Eating out at an inexpensive restaurant is also quite affordable, while a three-course meal for two people at a mid-range restaurant can be a bit more expensive. Public transportation in Umag is not very expensive, and the cost of maintaining a personal vehicle, including gas and insurance, is also quite reasonable. Healthcare in Umag is generally affordable, especially when compared to countries like the United States. However, the cost can vary depending on whether you use public or private healthcare services. Overall, the cost of living in Umag is quite manageable, especially for those earning a local salary. However, for expats or those relying on a foreign income, the cost of living may seem higher due to currency exchange rates," said one expat living in Umag.

Can I live in Umag on $1,500 a month?

"I've been living in Umag for a while now, and I can tell you that it's possible to live comfortably on $1,500 a month, but you'll have to make some sacrifices. First, you'll need to find an affordable place to live. I recommend looking for an apartment in the neighborhoods of Murine or Savudrija, as they tend to be more budget-friendly. Avoid the more expensive areas like Punta or the city center, as rents there can be quite high.Next, you'll need to be mindful of your spending on groceries and dining out. Shopping at local markets and cooking at home can help you save a lot of money. When you do go out to eat, try to stick to more affordable local restaurants instead of the more expensive touristy spots.Transportation costs can also add up, so consider using public transportation or even biking around town instead of relying on taxis or renting a car. Umag is a relatively small town, so getting around on foot or by bike is quite feasible.As for entertainment, there are plenty of free or low-cost activities to enjoy in Umag, such as visiting the beautiful beaches, exploring the old town, or attending local festivals and events. However, you might have to cut back on more expensive activities like frequent trips to nearby cities or countries, or indulging in high-end shopping.In terms of modern amenities, you'll find that most apartments come with basic facilities like internet, heating, and air conditioning. However, you might have to compromise on things like having a dishwasher or a large, luxurious living space.Overall, living in Umag on $1,500 a month is doable, but it requires some adjustments and sacrifices. By being mindful of your spending and prioritizing your needs, you can enjoy a comfortable life in this beautiful Croatian town," commented an expat living in Umag.

Can I live in Umag on $3,500 a month?

"I've been living in Umag for a while now, and I can tell you that it's definitely possible to live comfortably on $3,000 a month, even if you're used to modern amenities. However, there might be some sacrifices you'll have to make to ensure you stay within your budget.Firstly, you'll want to choose an affordable neighborhood to live in. I'd recommend looking into areas like Murine or Savudrija, which are a bit more budget-friendly compared to the more expensive neighborhoods like Punta or the city center. Rent in these areas can be significantly cheaper, and you'll still have access to all the necessary amenities.When it comes to transportation, owning a car can be quite expensive due to the high cost of fuel and maintenance. I'd suggest using public transportation or even cycling, as Umag is a relatively small town and most places are easily accessible by bike. This will not only save you money but also help you stay fit and healthy.Eating out can also be quite pricey, especially in the touristy areas. To save money, I'd recommend cooking at home as much as possible and shopping at local markets for fresh produce. When you do eat out, try to avoid the more touristy spots and opt for local restaurants that offer more affordable prices.As for entertainment, there are plenty of free or low-cost activities to enjoy in Umag. You can spend your days exploring the beautiful beaches, parks, and historical sites, or attend one of the many cultural events and festivals that take place throughout the year. If you're a fan of sports, there are also plenty of opportunities to play tennis, go swimming, or join a local sports club.In terms of sacrifices, you might have to give up some of the luxury items or experiences you're used to, such as frequent fine dining or high-end shopping. However, I've found that the overall quality of life in Umag is excellent, and the lower cost of living allows me to enjoy a comfortable lifestyle without breaking the bank.Overall, living in Umag on $3,000 a month is definitely doable, and with some careful budgeting and a willingness to adapt to a slightly different lifestyle, you'll be able to enjoy all the beauty and culture that this charming Croatian town has to offer," said one expat living in Umag.

Can I live in Umag on $5,000 a month?

"I've been living in Umag for a while now, and I can tell you that it's definitely possible for an expat to live comfortably on $5,000 a month here. In fact, you might even find that you can enjoy a higher standard of living than you're used to, depending on where you're coming from. The cost of living in Umag is generally lower than in many other European cities, so your money will go further here.As for sacrifices, I haven't had to make too many. The town has a good selection of modern amenities, including supermarkets, restaurants, and cafes. There are also plenty of recreational activities available, such as tennis, golf, and water sports. The only thing I've found to be a bit lacking is the nightlife, but that's not a huge issue for me.When it comes to finding a place to live, there are several neighborhoods to consider. If you're looking for something more affordable, I'd recommend checking out the areas around the town center, such as Murine or Katoro. These neighborhoods offer a good mix of apartments and houses, and you should be able to find something within your budget.On the other hand, if you're willing to spend a bit more for a more luxurious living experience, you might want to look at properties in the Stella Maris or Punta neighborhoods. These areas are closer to the sea and offer some stunning views, but they can be quite a bit more expensive.Overall, I've found living in Umag to be a great experience. The town has a relaxed, laid-back atmosphere, and the locals are friendly and welcoming. With a budget of $5,000 a month, you should be able to live quite comfortably here without having to make too many sacrifices," commented an expat living in Umag.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.


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