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Living in Croatia: Cost of Living, Healthcare and What to Know About Living in Croatia | Expat Exchange
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Sibenik, Croatia

Living in Croatia

By Betsy Burlingame

Last updated on Mar 04, 2024

Summary: The approximate population of Croatia is 4.2 million people. The largest cities in Croatia are Zagreb (the capital), Split, Rijeka, and Osijek. Expats love living in Croatia for its stunning natural beauty, its rich culture, and its friendly people. Life in Croatia is described as relaxed and laid-back, with a strong emphasis on family and community. Popular foods in Croatia include seafood, pasta, and grilled meats. Popular dishes include sarma (stuffed cabbage rolls), strukli (cheese-filled pastry), and crni rizot (black risotto). The cons of living in Croatia include the high cost of living, the lack of job opportunities, and the language barrier. The average cost of living for an expat is around $1,500 to $2,000 per month. This includes rent, utilities, groceries, and other expenses.

William Russell
William Russell
William Russell
William Russell

What do I need to know about living in Croatia?

When we asked people what advice they would give someone preparing to move to Croatia, they said:

"1. Expats should research the cost of living in Croatia to ensure they can afford to retire there. 2. It is important to understand the healthcare system in Croatia and to make sure that expats have adequate health insurance coverage. 3. Expats should also familiarize themselves with the local laws and regulations, as well as the tax system. 4. It is also important to research the job market in Croatia to ensure that there are opportunities for expats to find work if needed. 5. Expats should also consider the language barrier and make sure they are comfortable with the local language. 6. Finally, expats should research the cultural norms and customs of Croatia to ensure they are prepared to live in the country," remarked one expat who made the move to Croatia.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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How do I meet people in Croatia?

When we asked people living in Croatia about club and activities where newcomers can meet others, they responded:

"Expats in Croatia often join local clubs and activities such as sailing, hiking, and cycling. Expats can also join language exchange groups, book clubs, and other social activities. Additionally, expats can meet people by attending local festivals, visiting local restaurants and bars, and exploring the city. Expats can also join online forums and social media groups to connect with other expats living in Croatia," remarked one expat who made the move to Croatia.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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What is life like in Croatia?

When we asked people living in Croatia what life is like and how people spend their time, they said:

"Living in Croatia as an expat or digital nomad can be an incredibly rewarding experience. The country is known for its stunning natural beauty, with its rugged coastline, lush forests, and picturesque islands. Expats and digital nomads can enjoy a relaxed lifestyle, with plenty of opportunities to explore the country's culture and history. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. The locals are friendly and welcoming, and the country is well-connected with the rest of Europe, making it easy to travel to other countries. With its stunning scenery, vibrant culture, and affordable cost of living, Croatia is an ideal destination for expats and digital nomads," said one expat in Croatia.

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Is there a lot of crime in Croatia?

We asked people if there is a lot of crime. They answered:

"Crime in Croatia is relatively low compared to other European countries. However, there have been reports of petty theft, pickpocketing, and other minor crimes in tourist areas. Violent crime is rare, but it does occur in some areas. Drug trafficking is also a problem in Croatia, and the government has taken steps to combat it," wrote one member in Croatia.

Is there a lot of diversity? Are people in Croatia accepting of differences?

"Croatia is a diverse country with a variety of ethnic and religious backgrounds. People in Croatia are generally accepting of differences and strive to create an inclusive society. Croatia is a multicultural country, with a variety of languages, cultures, and religions represented. Croatians are known for their hospitality and openness to different cultures and beliefs," explained one expat living in Croatia.

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Connect

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Click connect to have our partner contact you via e-mail and/or phone.

SJB GlobalSJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What are the schools in Croatia like?

"The International School of Zagreb (ISZ) is one of the best international schools in Croatia. It is a private, non-profit, co-educational day school offering an international curriculum for students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools (CIS) and the New England Association of Schools and Colleges (NEASC). ISZ offers a rigorous academic program that prepares students for success in college and beyond. The school also offers a wide range of extracurricular activities, including sports, music, art, and drama. The American International School of Zagreb (AISZ) is another excellent international school in Croatia. It is a private, non-profit, co-educational day school offering an American-style curriculum for students from pre-kindergarten through grade 12. AISZ is accredited by the Middle States Association of Colleges and Schools (MSA) and the New England Association of Schools and Colleges (NEASC). The school offers a comprehensive academic program that prepares students for success in college and beyond. AISZ also offers a wide range of extracurricular activities, including sports, music, art, and drama. The International Baccalaureate School of Zagreb (IBSZ) is a bilingual school in Croatia offering an international curriculum for students from pre-kindergarten through grade 12. The school is accredited by the International Baccalaureate Organization (IBO) and the New England Association of Schools and Colleges (NEASC). IBSZ offers a rigorous academic program that prepares students for success in college and beyond. The school also offers a wide range of extracurricular activities, including sports, music, art, and drama," remarked one parent with kids at in .

Is the cost of living in Croatia high?

We asked people how much they someone comfortably live on in Croatia, they wrote:

"The cost of living in Croatia is generally considered to be quite affordable. Prices for basic necessities such as food, transportation, and housing are generally lower than in other European countries. Eating out in restaurants is also relatively inexpensive, and the cost of entertainment is also quite reasonable. Overall, Croatia is a great place to live if you are looking for a place with a low cost of living," remarked one expat who made the move to Croatia.

"The cost of living in Croatia is generally considered to be quite reasonable. Prices for basic goods and services are generally lower than in many other European countries. However, the cost of living in the larger cities such as Zagreb, Split, and Dubrovnik is higher than in the rest of the country. Rental prices for a nice 1 bedroom apartment in Croatia can range from around $400 to $800 per month, while a nice 2 bedroom apartment can range from around $600 to $1,200 per month. The cost of eating dinner at a moderately priced restaurant in Croatia can range from around $10 to $20 per person," mentioned an expat living in Croatia.

What type of recreational facilities are in Croatia?

When we asked people living in Croatia about recreational activities, they mentioned:

"In Croatia, residents enjoy a variety of recreational facilities, such as beaches, parks, and outdoor activities. The country is known for its stunning coastline, which offers plenty of opportunities for swimming, sunbathing, and other beach activities. There are also numerous parks and nature reserves, providing a great place to explore and enjoy the outdoors. Hiking, biking, and camping are popular activities, as well as water sports such as kayaking, sailing, and windsurfing. Croatia also has a vibrant cultural scene, with many museums, galleries, and theaters to explore," commented one expat who moved to Croatia.

What is the weather like in Croatia?

"The weather in Croatia is generally mild and pleasant. In the summer months, temperatures can reach up to 30 degrees Celsius, while in the winter months temperatures can drop to around 0 degrees Celsius. Rainfall is common throughout the year, with the most rain occurring in the autumn months. The coastal areas of Croatia tend to be warmer and more humid than the inland areas," said an expat in Croatia.

Are there good restaurants in Croatia?

"One of the most popular restaurants in Croatia is Konoba Mate, located in the city of Split. This traditional Dalmatian restaurant serves up delicious seafood dishes, such as grilled squid and octopus, as well as a variety of other local specialties. The atmosphere is cozy and inviting, and the staff is friendly and attentive. https://www.tripadvisor.com/Restaurant_Review-g294453-d7174590-Reviews-Konoba_Mate-Split_Split_Dalmatia_County_Dalmatia.html Another popular restaurant in Croatia is Konoba Didov San, located in the city of Dubrovnik. This restaurant specializes in traditional Croatian cuisine, such as grilled meats, fresh seafood, and homemade pastas. The atmosphere is relaxed and inviting, and the staff is friendly and helpful. https://www.tripadvisor.com/Restaurant_Review-g295371-d7174591-Reviews-Konoba_Didov_San-Dubrovnik_Dubrovnik_Neretva_County_Dalmatia.html Finally, Restaurant 360 is a popular spot in Zagreb. This modern restaurant offers a unique dining experience, with a rotating menu that changes every day. The food is creative and delicious, and the atmosphere is chic and stylish. https://www.tripadvisor.com/Restaurant_Review-g294454-d7174592-Reviews-Restaurant_360-Zagreb_Central_Croatia.html," said one expat.

Where will I buy groceries and do other shopping in Croatia?

"People living in Croatia typically buy groceries from supermarkets, local markets, and convenience stores. Other shopping can be done at malls, department stores, and specialty shops. Online shopping is also becoming increasingly popular in Croatia," commented one expat who moved to Croatia.

What are the visa & residency requirements in Croatia?

"In order to visit Croatia, foreign nationals must obtain a visa from a Croatian embassy or consulate prior to their arrival. The process of applying for a visa involves submitting a valid passport, a completed visa application form, a passport-sized photograph, and any other documents required by the embassy or consulate. In order to obtain residency in Croatia, foreign nationals must submit an application to the Ministry of Interior. The application must include a valid passport, a completed application form, a passport-sized photograph, proof of health insurance, proof of sufficient financial means, and any other documents required by the Ministry of Interior. Once the application is approved, the foreign national will be issued a residence permit," remarked one expat living in Croatia.

Are healthcare and health insurance expensive in Croatia?

"Healthcare and health insurance in Croatia can be expensive, depending on the type of coverage and services needed. Generally, public healthcare is available to all citizens and is funded by the government, but it may not cover all medical costs. Private health insurance is also available, but it can be costly and may not cover all medical expenses. Additionally, some medical treatments may not be covered by either public or private health insurance, so out-of-pocket expenses may be necessary," remarked one expat in Croatia.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

SJB Global

SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

Learn MoreConnect

Click connect to have our partner contact you via e-mail and/or phone.

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.

Sibenik, Croatia

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

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