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Dubrovnik, Croatia: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Dubrovnik | Expat Exchange
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Dubrovnik, Croatia

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By Betsy Burlingame

Last updated on Jul 10, 2023

Summary: Expats, digital nomads and retirees talk about what it is really like living in Dubrovnik, Croatia. They offer advice about meeting people, cost of living, finding a home and more.

What do I need to know before moving to Dubrovnik?

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

"Dubrovnik, is a beautiful city known for its stunning architecture and rich history, but there are several things expats should know before moving there. The official language is Croatian, so it would be beneficial to learn some basic phrases, although English is widely spoken, especially in tourist areas. The currency used is the Croatian Kuna, not the Euro, and cash is often preferred over card payments. The cost of living in Dubrovnik is relatively high compared to other parts of Croatia, due to its popularity as a tourist destination. Housing can be expensive, especially within the city walls, and it can be challenging to find available properties. The city is very safe, with low crime rates, but it can get extremely crowded during the peak tourist season, which is something to consider if you prefer a quieter lifestyle. The healthcare system in Croatia is of a good standard, but it's recommended to have comprehensive health insurance. Public transportation in Dubrovnik is reliable, with a good network of buses, but owning a car can be more convenient for exploring the surrounding areas. The city is also very walkable, especially the Old Town, which is pedestrian-only. Croatians are generally welcoming and friendly towards foreigners, but they also appreciate when expats respect their customs and traditions. The pace of life in Dubrovnik is slower than in many Western countries, and locals value their leisure time. The climate in Dubrovnik is Mediterranean, with hot, dry summers and mild, wet winters. It's important to note that many buildings in the city do not have central heating, so it can get chilly indoors during the winter. Finally, while Croatia is part of the European Union, it is not part of the Schengen Area, so different visa rules may apply. It's essential to check the latest immigration regulations before planning your move," commented one expat who made the move to Dubrovnik.

How do I find a place to live in Dubrovnik?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Dubrovnik involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from an apartment, a house, or even a room in a shared house. Next, you should research the different neighborhoods in Dubrovnik to find one that suits your lifestyle and preferences. Some popular areas include the Old Town, Ploce, and Lapad. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rentals in Dubrovnik. Websites like Njuskalo, Crozilla, and Indomio are popular in Croatia. You can also use international websites like Airbnb for short-term rentals or if you're looking for a furnished place. Another option is to hire a real estate agent. They can help you navigate the local market, arrange viewings, and handle negotiations. When you find a place you like, make sure to visit it in person before making any commitments. Check the condition of the property, the amenities, and the surrounding area. Finally, once you've found your ideal place, you'll need to sign a lease agreement. Make sure to read it carefully and understand all the terms before signing. It's also a good idea to have a local or someone fluent in Croatian help you with this to ensure you fully understand the contract. Remember, finding a place to live can take time, so be patient and don't rush the process," explained one expat living in Dubrovnik, Croatia.

What is a typical expat home or apartment like in Dubrovnik?

"A typical expat home or apartment in Dubrovnik, is often located in the city center or in the surrounding areas with a view of the Adriatic Sea. These homes are usually fully furnished, featuring a blend of modern and traditional Croatian design. They often have one or two bedrooms, a living room, a fully equipped kitchen, and one or two bathrooms. Some apartments may also have a balcony or a small garden, offering a beautiful view of the city's historic walls or the sea. The buildings themselves often have a historic charm, as many are located in centuries-old stone houses. Despite this, they are usually equipped with modern amenities such as air conditioning, Wi-Fi, and sometimes even a washing machine. Many expats choose to live in areas that are within walking distance to local shops, restaurants, and attractions. Some may also choose to live a bit further out, in quieter, more residential areas," remarked one expat living in Dubrovnik, Croatia.

What is the average cost of housing in Dubrovnik?

If you are thinking about moving to Dubrovnik, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Dubrovnik can vary greatly depending on the location and size of the property. For instance, in the city center, the price for a one-bedroom apartment can be quite high, while outside the city center, the cost can be significantly lower. Additionally, the cost of buying a property in Dubrovnik is generally more expensive compared to renting. As of recent data, the average monthly rent for a one-bedroom apartment in the city center is approximately $700, while outside the city center it drops to around $500. If you're looking to buy an apartment in the city center, the average price per square meter is around $4,000, but it can be as low as $2,500 per square meter outside the city center," commented one expat who made the move to Dubrovnik.

Where should I setup a bank account in Dubrovnik?

We asked expats in Dubrovnik what banks they use and there advice about banking. They advised:

"Expats considering retirement in Dubrovnik should be aware of several key factors. Firstly, the cost of living in Dubrovnik is relatively low compared to many Western countries, but it is one of the more expensive cities in Croatia. The city is known for its warm Mediterranean climate, with hot summers and mild winters, which may be a significant factor for those considering retiring there. Healthcare in Croatia is of a high standard, with a universal healthcare system in place. However, it is recommended that expats also have private health insurance to cover any additional costs. The language spoken in Dubrovnik is Croatian, and while English is widely spoken, especially in tourist areas, it can be beneficial to learn some basic Croatian phrases. Dubrovnik is a popular tourist destination, known for its stunning old town and beautiful coastline. This means that it can get very busy during the peak tourist season, which may not be ideal for those looking for a quiet retirement. However, there are many quieter areas outside of the city center that may be more suitable. The process of buying property in Croatia can be complex, and it is recommended to seek legal advice before doing so. There are also restrictions on non-EU citizens buying property in certain areas. Croatia is part of the European Union, but not the Schengen Area, which means that there are different visa requirements for those planning to stay long-term. It's important to research these requirements and ensure that all necessary paperwork is completed before moving. Finally, the culture in Dubrovnik is laid-back and relaxed, with a strong emphasis on family and community. This can make it a very welcoming place for retirees, but it's important to respect local customs and traditions," explained one expat living in Dubrovnik, Croatia.

What do expats in Dubrovnik appreciate most about the local culture?

"Expats in Dubrovnik often appreciate the local culture for its warm hospitality. The locals are known for their friendliness and willingness to help, making newcomers feel welcome and at home. They also appreciate the rich history and architecture of Dubrovnik. The city's old town, with its ancient walls and beautiful buildings, offers a unique blend of history and modernity that is hard to find elsewhere. The relaxed pace of life is another aspect of the local culture that expats enjoy. In Dubrovnik, there is a strong emphasis on enjoying life, spending time with family and friends, and savoring good food and drink. Expats also love the local cuisine, which is a blend of Mediterranean and Balkan influences. The fresh seafood, locally grown fruits and vegetables, and homemade wines are a highlight for many. The local festivals and events are another aspect of the culture that expats appreciate. These events, which often involve music, dance, and traditional costumes, provide a great opportunity to immerse oneself in the local culture. Finally, expats appreciate the natural beauty of Dubrovnik and its surroundings. The city's stunning coastline, beautiful islands, and nearby national parks offer plenty of opportunities for outdoor activities," said one expat in Dubrovnik.

What do expats find most challenging?

"Expats in Dubrovik, Croatia often find the language barrier to be the most challenging aspect of the local culture, as Croatian is a difficult language to learn and not everyone speaks English. They also struggle with the slower pace of life, which can be frustrating when trying to get things done quickly. The bureaucracy can be quite complex and time-consuming, which can be particularly challenging for those who are used to more efficient systems. Additionally, some expats find it difficult to integrate into the local community, as Croatians can be reserved and it can take time to build relationships. The cost of living in Dubrovnik is also higher compared to other parts of Croatia, which can be a challenge for expats on a budget. Lastly, the intense summer tourism can be overwhelming for those who are not used to living in a tourist hotspot," said one expat in Dubrovnik.

Is there a lot of crime in Dubrovnik?

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

"Dubrovnik, is generally considered a safe city with a relatively low crime rate. Like any other tourist destination, it does experience occasional petty crimes such as pickpocketing and bag snatching, particularly in crowded areas and on public transportation. However, violent crime is rare, and most visitors to the city have a safe and trouble-free experience. The local police are efficient and responsive, contributing to the overall safety of the city. It's always recommended for tourists to take standard precautions to protect their belongings and personal safety," said one expat in Dubrovnik.

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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