Croatia is a popular destination for expats, especially those looking for a Mediterranean lifestyle with a lower cost of living. The country is known for its stunning coastline and islands, historic cities, and picturesque countryside.
The general cost of living in Croatia
The general cost of living in Croatia can vary depending on the city or region. Cities like Zagreb, Split, and Dubrovnik tend to be more expensive than smaller towns or villages. Overall, Croatia is considered an affordable country compared to other European destinations.
Wages and salary in Croatia
As of 2023, the average gross monthly wage in Croatia is around 9,000 HRK (Croatian Kuna), which is equivalent to approximately 1,420 USD. However, wages can vary greatly depending on the industry and profession, with some highly skilled workers earning significantly more.
It is important to note that the cost of living in Croatia can also vary greatly depending on the region, with larger cities typically being more expensive than rural areas. Additionally, taxes and social security contributions can also affect take-home pay.
Housing costs in Croatia
Housing costs in Croatia can vary depending on the location, size, and type of accommodation.
Rental costs in Croatia
Rental costs in Croatia can vary depending on the location, size, and condition of the property. Here are some approximate monthly rental costs in popular Croatian cities:
- Zagreb: A one-bedroom apartment in the city center can cost between 400-670 EUR per month, while a three-bedroom apartment in the city center can cost between 730-1,130 EUR per month.
- Split: A one-bedroom apartment in the city center can cost between 460-800 EUR per month, while a three-bedroom apartment in the city center can cost between 800-1,330 EUR per month.
- Dubrovnik: A one-bedroom apartment in the city center can cost between 460-930 EUR per month, while a three-bedroom apartment in the city center can cost between 930-1,600 EUR per month.
It’s worth noting that prices can be significantly lower outside of city centers and in smaller towns and villages. Additionally, many rentals in Croatia are available seasonally, with higher prices in the summer months due to tourism.
Property prices in Croatia
The property prices in Croatia can vary greatly depending on the location, type, and condition of the property. Generally, the property prices are higher in popular tourist destinations such as Dubrovnik, Split, and Hvar.
Property prices continue to rise despite the economic situation worsening. Many Croatian citizens share the opinion that it is better to be an owner of a property than to save money.
Buyers are demanding and cautious. They prefer to buy new apartments, which are lacking in the Croatian housing market. Apartments in old buildings are not as desirable due to their instability during the 2020 earthquakes.
The average prices of houses in August 2021 were 6% higher than the ones in August 2020 and 9% higher than in 2019. Average apartment prices in August 2021 were 3% higher than the ones in 2020, 8% higher than in 2019, and 14% higher than in 2018.
In 2022, the average apartment price has increased by 4.1% and the average price of houses has increased by 7.7%. Buyers become more interested in properties in rural areas next to big cities including Zagreb county, Krapina-Zagorje county, and Virovitica-Podravina county. Foreigners are very interested in Istria, Gorski kotar, and Zagreb. Almost every 4th buyer of a property in Croatia is a foreign national.
Low interests on savings accounts have also had a big impact on sales. Although, interest rates on loans are also very low, in the neighborhood of 2 to 3%.
The price per square meter can vary wildly depending on:
- Property size
- Whether or not the property has been recently renovated
- Location
- City
- Proximity to the city center
- Proximity to the sea
To give you a ballpark of what properties may cost below is our quick pricing guide. We created this with guidance from a real estate agency. However, be aware that these prices may increase by 5-7%.
- ~ 100.000 € (a studio or small 1-bedroom)
- ~ 200.000 € (a renovated 2-bedroom apartment)
- ~ 300.000 € to 400.000 € (house, but not seafront)
- ~ 500.000 € (villa)
- ~ 600.000 € and above (seafront villa)
Average property prices in Dubrovnik
- Apartments – 4.151 € per square meter
- Houses – 3.523 € per square meter
Average property prices in Osijek
- Apartments – 1.025 € per square meter
- Houses – 621 € per square meter
Average property prices in Rijeka
- Apartments – 1.793 € per square meter
- Houses – 1.422 € per square meter
Average property prices in Split
- Apartments – 3.024 € per square meter
- Houses – 2.879 € per square meter
Average property prices in Zadar
- Apartments – 2.472 € per square meter
- Houses – 1.730 € per square meter
Average property prices in Zagreb
- Apartments – 2.297 € per square meter
- Houses – 1.441 € per square meter
Average prices by Zagreb neighborhood
- Brezovica – 1.212,63 € per square meter
- City center – 2.500 € per square meter
- Donji grad – 2.567,70 € per square meter
- Jarun – 2.820 € per square meter
- Maksimir – 2.186,49 € per square meter
- Ravnice – 2.376 € per square meter
- Sesvete – 1.456,58 € per square meter
- Trešnjevka jug – 2.120,00 € per square meter
- Trešnjevka sjever – 2.201,97 € per square meter
- Trnje – 2.281,25 € per square meter
Buyers are now more interested in properties outside of the city, for example in Velika Gorica and Sveta Nedelja.
Average property prices in other cities across Croatia
- Bjelovar
- Apartments – 797 € per square meter
- Houses – 436 € per square meter
- Gospić – 960 € per square meter
- Opatija
- Apartments – 3.417 € per square meter
- Houses – 2.405 € per square meter
- Poreč
- Apartments – 2.242 € per square meter
- Houses – 2.280 € per square meter
- Pula – 1.798 € per square meter
- Rovinj – 2.620 € per square meter
- Senj – 1.726 € per square meter
- Slavonski Brod – 936 € per square meter
- Šibenik
- Apartments – 2.069 € per square meter
- Houses – 1.720 € per square meter
- Varaždin – 1.518 € per square meter
- Velika Gorica
- Apartments – 1.800 € per square meter
Cost of domestic bills in Croatia
The cost of domestic bills in Croatia can vary depending on the size of the apartment or house, location, and usage. Here are some approximate monthly costs for basic utilities for a small apartment in Croatia:
- Electricity: 40-67 EUR
- Water: 13-27 EUR
- Gas: 20-33 EUR
- Internet: 13-20 EUR
Note that these are approximate costs and can vary depending on individual circumstances, such as the provider and usage patterns. It’s always a good idea to check with the specific utility provider to get a more accurate estimate based on your situation.
Utility bills in Croatia
The cost of utility bills in Croatia varies depending on the size of the apartment or house, the location, and the usage of electricity, water, and gas. On average, for an apartment of 85 square meters, the monthly cost of utilities would be around 130-200 EUR, including electricity, water, heating, and garbage collection. In some cases, these costs might be higher during the winter months, especially if the heating system is not energy-efficient. It is worth noting that some apartment buildings in Croatia have centralized heating systems, which means that the cost of heating is shared among all the tenants. In terms of internet and mobile phone plans, there are various providers and packages available, with prices ranging from around 13-40 EUR per month for a basic package.
Telecommunications in Croatia
In Croatia, there are three main telecommunications companies: Hrvatski Telekom, A1 Croatia, and Tele2. They offer a range of packages for internet, TV, and phone services.
The cost of telecommunications in Croatia depends on the package and provider. A basic internet package with a speed of around 10 Mbps can cost between 13-20 EUR per month. A more comprehensive package with a speed of 50-100 Mbps can cost between 27-40 EUR per month.
For mobile phone plans, the cost also varies depending on the provider and package. A basic plan with limited calls and data can cost around 11 EUR per month, while a more comprehensive plan with unlimited calls and data can cost around 27 EUR per month.
Cable TV packages with a variety of channels can cost between 13-27 EUper month.
Healthcare costs in Croatia
Healthcare in Croatia is publicly funded and primarily administered through the Croatian Institute for Health Insurance. The system is based on a combination of compulsory social health insurance contributions and taxes. As an expat, you may be eligible for public healthcare in Croatia if you are employed and paying into the system. Alternatively, you may need to purchase private health insurance.
The costs of healthcare in Croatia can vary depending on the type of service required. For example, a visit to a general practitioner is typically around 13-27 EUR, while specialist consultations can range from 27-67 EUR. Prescription medication costs can vary, but are generally affordable. Some procedures and tests may not be covered by the public healthcare system, so it is important to check with your healthcare provider or insurance company.
Private healthcare in Croatia is also available, with prices varying depending on the provider and the services required. In general, private healthcare in Croatia is more expensive than public healthcare. Dental care is not covered by the public healthcare system, so private dental care can also be relatively expensive.
Childcare costs in Croatia
Childcare costs in Croatia can vary depending on the type of childcare, location, and provider.
In general, daycare centers are less expensive than hiring a nanny or a babysitter. According to recent data, the average monthly cost of full-time daycare in Croatia is 400 to 670 EUR per child.
If you opt for a nanny or a babysitter, the cost will depend on the individual’s experience and qualifications, as well as the number of hours they work. On average, the hourly rate for a nanny or a babysitter in Croatia is around 5 to 8 EURper hour.
It’s worth noting that some employers in Croatia offer childcare benefits to their employees, such as subsidies for daycare or the option to work flexible hours.
Study costs in Croatia
In Croatia, the cost of studying depends on various factors such as the type of program, the institution, and the level of study. Public universities are generally more affordable than private ones, and tuition fees also vary depending on whether you are an EU or non-EU student.
For EU students, undergraduate programs are usually free of charge at public universities, while some postgraduate programs may require payment of a tuition fee. Non-EU students, on the other hand, are required to pay tuition fees at both undergraduate and postgraduate levels, which can range from a few thousand to several thousand euros per year, depending on the program and institution.
In addition to tuition fees, students will also have to cover the cost of textbooks, materials, and other expenses related to their studies. However, there are also scholarships and financial aid programs available to help cover these costs for eligible students.
The cost of food and drink in Croatia
The cost of food and drink in Croatia can vary depending on the type of establishment and location. In general, prices are slightly lower than in Western Europe, but higher than in some neighboring countries.
Groceries
The cost of groceries in Croatia varies depending on the location and the type of store you shop in. Generally, prices are lower in smaller towns and villages, while they tend to be higher in larger cities and tourist destinations. However, here are some average prices for common grocery items in Croatia:
- Loaf of bread: 0.67-0.93 EUR
- Milk (1 liter): 0.67-0.93 EUR
- Eggs (12): 2.14-2.67 EUR
- Cheese (1 kg): 8.00-10.67 EUR
- Chicken breast (1 kg): 6.67-8.00 EUR
- Rice (1 kg): 1.07-1.60 EUR
- Pasta (1 kg): 0.93-1.33 EUR
- Apples (1 kg): 0.93-1.33 EUR
- Oranges (1 kg): 0.93-1.33 EUR
- Tomatoes (1 kg): 1.33-2.00 EUR
- Potatoes (1 kg): 0.53-0.80 EUR
Please note that these prices are approximate and may vary depending on the location and store you shop in.
Restaurants in Croatia
The cost of eating out in Croatia varies depending on the type of restaurant and location. Generally, restaurants in the more touristy areas and cities tend to be more expensive than those in smaller towns and villages. Here are some approximate prices for restaurants in Croatia:
- Inexpensive restaurant: 6.5 EUR to 13 EUR per person
- Mid-range restaurant: 13 EUR to 32.5 EUR per person
- High-end restaurant: 32.5 EUR and up per person
Note that these prices are approximate and can vary depending on the location, restaurant type, and the dishes ordered. It’s also worth noting that tipping is not mandatory in Croatia, but it is appreciated. A good rule of thumb is to leave a 10% tip for good service.
Beer, wine, and spirits in Croatia
Croatia is famous for its wine and beer, and there is also a thriving craft beer scene in the country. The cost of alcohol in Croatia can vary depending on the type of establishment you visit and the location. Here are some approximate prices for beer, wine, and spirits in Croatia:
- Domestic beer (0.5 liter): 2-3 EUR
- Imported beer (0.33 liter): 3-4 EUR
- Glass of house wine (0.15 liter): 2-3 EUR
- Bottle of mid-range wine: 9-13 EUR
- Local rakija (0.5 liter): 13-20 EUR
- Imported spirits (0.7 liter): 20-27 EUR
Prices can be higher in tourist areas and during the peak season. It’s also worth noting that there are restrictions on when and where alcohol can be sold in Croatia.
Coffee in Croatia
Coffee is a popular drink in Croatia, and there are many cafes and coffee shops throughout the country. The cost of a cup of coffee can vary depending on the location and type of coffee, but on average, a cup of espresso costs around 1-1.5 EUR, while a cappuccino or latte costs around 1.5-2.5 EUR. Prices may be higher in tourist areas. Croatian coffee culture emphasizes relaxation and socializing, and it is common to spend time chatting with friends over a cup of coffee.
Transport costs in Croatia
Transport costs in Croatia vary depending on the mode of transport used and the distance traveled. Here are some estimated costs:
- Public transport: A single ticket for a local bus or tram in Zagreb costs around 1.34 EUR, while a monthly pass costs around 48 EUR. In other cities, prices may vary.
- Taxis: Taxis are relatively expensive in Croatia. The initial fee is around 2 EUR, and the price per kilometer is around 1.07 EUR.
- Car rental: The cost of renting a car varies depending on the type of car and the rental company. On average, a small car can cost around 47 EUR per day.
- Gasoline: The price of gasoline in Croatia is around 1.34 EUR per liter.
It’s worth noting that the quality of the roads in Croatia is generally good, and the country has a well-developed motorway network. However, tolls apply on some of the main highways. The cost of tolls depends on the distance traveled and the type of vehicle.
Public transport in Croatia
Public transport in Croatia is a relatively affordable way to get around in the cities. Most cities have public transport systems that include buses, trams, and sometimes, trolleybuses. The cost of a single ticket varies from city to city but is usually around 1.5-2.3 EUR.
Many cities also offer discounted tickets for students, seniors, and people with disabilities. In addition, many cities also offer daily, weekly, and monthly passes that can provide additional savings for frequent users.
It is worth noting that public transport outside of the major cities is less developed and may not be as convenient. However, there are still bus and train connections between the major cities and towns, which can be an affordable way to travel longer distances within the country.
Private transport in Croatia
Private transport in Croatia can be expensive, especially if you need to buy a car. The prices of cars in Croatia are generally higher than in some other European countries, and the cost of fuel is also relatively high.
That being said, Croatia has a good network of roads and highways, making it easy to travel by car. The country also has several car rental companies, which can be a good option if you only need a car for a short period of time.
If you own a car in Croatia, you will need to pay for fuel, insurance, and maintenance costs. The price of fuel can vary, but it is generally more expensive than in some other European countries. Insurance costs will depend on factors such as the type of car you have and your driving record. Maintenance costs will also depend on the age and condition of your car.
In terms of parking, many cities in Croatia have paid parking zones, and parking fees can be quite high in some areas. There are also a number of private parking garages that charge hourly or daily rates.
Leisure activities in Croatia
Croatia offers a wide range of leisure activities for locals and visitors alike. Some popular leisure activities include:
- Beaches: Croatia is known for its beautiful coastline and numerous beaches, making it an ideal destination for beach lovers. Some popular beaches include Zlatni Rat, Banje Beach, and Dubovica Beach.
- National Parks: Croatia has eight national parks that offer hiking trails, waterfalls, lakes, and other natural wonders. Plitvice Lakes National Park and Krka National Park are particularly popular.
- Historical Sites: Croatia is home to many historical sites, including the ancient city of Dubrovnik, Diocletian’s Palace in Split, and the amphitheater in Pula.
- Sports: Croatia is also known for its sports, particularly water sports such as sailing, windsurfing, and kitesurfing. Other popular sports include football, basketball, and handball.
- Festivals: Croatia hosts numerous festivals throughout the year, including the Dubrovnik Summer Festival, the Zagreb International Folklore Festival, and the Split Summer Festival.
- Nightlife: Croatia has a vibrant nightlife scene, particularly in coastal cities like Dubrovnik, Split, and Hvar. Clubs, bars, and restaurants offer a range of entertainment options.
- Food and Wine: Croatia has a rich culinary tradition, with many traditional dishes and wines that are unique to the country. Some popular dishes include cevapi, burek, and pasticada, and some popular wines include Plavac Mali and Malvazija.
Clothing in Croatia
Clothing in Croatia can be relatively affordable, depending on where you shop and what you are looking for. Major cities like Zagreb, Split, and Dubrovnik have a wide range of stores, from high-end designer boutiques to more affordable chains and markets. In general, prices for clothing are comparable to those in other European countries. However, prices can be higher for imported items or luxury brands.
If you’re looking to save money on clothing, you can check out second-hand stores and flea markets, which can offer unique and affordable options. Additionally, there are often sales and discounts during the holiday season and at the end of each season. Keep in mind that the weather in Croatia can vary significantly throughout the year, so you may need to invest in different types of clothing depending on the season.
Sports in Croatia
Croatia offers a range of sports and activities for both locals and expats. Popular sports in Croatia include football (soccer), basketball, handball, tennis, and water sports such as sailing, kayaking, and paddleboarding. Croatia has a long coastline with many beaches and is a popular destination for water sports enthusiasts.
Football is the most popular sport in Croatia, and the national team has achieved success on the international stage, finishing as runners-up at the 2018 FIFA World Cup. Basketball is also popular, and the Croatian national team has also enjoyed success in international competitions.
Tennis is another popular sport in Croatia, and the country has produced several top players, including Goran Ivanišević, Marin Čilić, and Borna Ćorić. The country hosts several professional tennis tournaments, including the Croatia Open in Umag.
Handball is also a popular team sport in Croatia, and the national team has won numerous medals at international competitions, including Olympic gold in 1996 and world championships in 2003, 2005, and 2018.
In addition to these sports, Croatia offers a range of outdoor activities, including hiking, cycling, and skiing in the mountainous regions. There are also many gyms and fitness centers throughout the country.
Overall, Croatia offers a range of sports and activities to suit all interests and fitness levels.
Taxation and social security in Croatia
In Croatia, the personal income tax rate is progressive and ranges from 24% to 36%, depending on the amount of income earned. Social security contributions are also deducted from an employee’s gross salary at a rate of approximately 16% to 20%, depending on the type of contribution.
Employers in Croatia are also required to pay social security contributions for their employees, which include contributions for pension and disability insurance, health insurance, and unemployment insurance. These contributions vary depending on the industry and the type of employment contract.
There are also other taxes and contributions that may apply, such as value-added tax (VAT) on goods and services, real estate tax, and motor vehicle tax.
It’s important to note that the tax system in Croatia can be complex, and expats are advised to seek professional advice to ensure they are compliant with all relevant tax and social security obligations.
Assistance with living costs in Croatia
There are various forms of assistance available to help with living costs in Croatia, including social welfare benefits, child benefits, housing allowances, and disability allowances. Here are some examples:
- Social welfare benefits: The Croatian government provides social welfare benefits to eligible individuals who are unable to support themselves. These benefits can include financial assistance, medical care, and housing support.
- Child benefits: Families with children can receive monthly child benefits from the Croatian government. The amount of the benefit varies based on the number of children in the family and the family’s income.
- Housing allowances: Low-income families and individuals may be eligible for housing allowances from the Croatian government to help with the cost of rent or mortgage payments.
- Disability allowances: Individuals with disabilities may be eligible for disability allowances from the Croatian government to help with living costs, medical care, and other expenses related to their disability.
To determine eligibility and apply for these forms of assistance, individuals should contact the relevant government agencies or seek the advice of a legal professional or social worker.