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Real Estate in Zagreb, Croatia | Expat Exchange
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Real Estate in Zagreb, Croatia

By Betsy Burlingame

Last updated on Jun 02, 2024

Summary: People living in Zagreb, Croatia offer advice about real estate. How do you find a home in Zagreb? Should you buy or rent? What is the cost of housing?

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

"A typical expat home or apartment in Zagreb, is often located in the city center or in the residential areas close to it. These homes are usually modern and well-furnished, with a blend of contemporary and traditional Croatian architecture. They often feature spacious living areas, fully equipped kitchens, and one or more bedrooms. Some apartments may also have balconies or terraces, offering views of the city or nearby parks. Many expat homes are situated in buildings with amenities such as private parking, elevators, and sometimes even a shared garden or courtyard. They are often close to local amenities like supermarkets, restaurants, cafes, and public transportation links. In terms of interior design, it's common to find a mix of modern comfort and classic Croatian charm. Hardwood floors, high ceilings, and large windows are common features. Despite the historic exterior of many buildings, the inside often provides all the conveniences of modern living, such as central heating, air conditioning, and high-speed internet. For those looking for a more suburban lifestyle, there are also options outside the city center. These homes often come with more space, including private gardens and sometimes even a pool. They are typically located in quiet, family-friendly neighborhoods with easy access to international schools, making them a popular choice for expat families. Regardless of the location, most expat homes in Zagreb offer a comfortable and convenient living environment, making it easy for newcomers to settle in and feel at home," remarked one foreigner who made the move to Zagreb.

What is the average cost of housing in Zagreb?

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

"The average cost of housing in Zagreb 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 range from moderate to high, while a three-bedroom apartment can cost significantly more. Outside of the city center, the prices for apartments of similar sizes tend to be somewhat lower. For those looking to purchase property, the price per square meter for an apartment in the city center is considerably high, while it is somewhat lower outside of the city center. However, these prices can fluctuate based on the current real estate market conditions," remarked one member in Zagreb.

Should I buy or rent a home in Zagreb?

If you have not spent a lot of time in Zagreb, you should rent before even thinking about buying. We asked expats there about the buy vs. rent decision:

"The decision to buy or rent a home in Zagreb, largely depends on your personal circumstances, financial situation, and long-term plans. If you plan to stay in Zagreb for a long time, buying a home could be a good investment. Owning a property allows you to build equity over time and could potentially provide a return on investment if property values increase. On the other hand, renting might be a better option if you're not planning to stay in Zagreb for a long period. Renting offers more flexibility, as you can move more easily if your circumstances change. It also means you won't have to worry about property maintenance and other responsibilities that come with homeownership. Financially, buying a home requires a significant upfront cost, including a down payment and closing costs. You'll also need to consider ongoing costs like mortgage payments, property taxes, insurance, and maintenance. Renting, meanwhile, typically involves lower upfront costs, although monthly rent payments can be high and you won't build equity. In terms of lifestyle, owning a home can offer a sense of stability and the freedom to customize your living space. However, it also comes with more responsibilities. Renting is generally less hassle, but you have less control over your living environment. Ultimately, the decision to buy or rent a home in Zagreb should be based on your financial situation, lifestyle preferences, and long-term plans. It's a good idea to consult with a financial advisor or real estate professional to help you make the best decision for your circumstances," explained one person living in Zagreb, Croatia.

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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