How much will it cost to live in Croatia in 2025?

"Croatia attracts not only tourists seeking views of the Adriatic Sea, but also those seeking a more relaxed lifestyle and lower daily operating costs than in Western Europe. In 2025, the country remains an attractive destination for those planning a longer stay or permanent relocation. How much does it cost to live in Croatia, and is it still affordable? Let's find out!

How much does it cost to live in Croatia? 2025

What is it like to live and work in Croatia?

Daily life and the job market in Croatia differ from those in Poland. Residents value social interactions and a moderate pace of life. Employment conditions vary by sector and location – some industries are easier to find, especially in coastal regions.

Everyday life in Croatia

In many cities, the day starts with a cup of coffee, and afternoon coffee gatherings are a permanent part of the culture. The lifestyle in many regions of Croatia focuses on spending time together, which translates into a sense of community. The locals are friendly, which makes it easier to establish relationships – even for foreigners.

Living costs vary depending on location. For example, monthly rent can range from 10 to 80 euros, depending on the number of apartments in the building and available amenities, such as a swimming pool. Electricity and water charges are based on consumption, averaging around 50 euros per month. Garbage collection is billed partly as a flat fee (a few euros) and partly based on the number of collections. Internet costs around 30–40 euros per month.

In the centers of larger cities, lunch at a local restaurant costs around 20 euros, while a fast food meal costs around 10 euros. Prices may be much higher in restaurants located on the main promenades or in popular tourist spots., but you can also find cozy, local places offering delicious food at very affordable prices. Vegetables and fruits, especially seasonal ones, can be purchased cheaper at markets, reducing grocery costs.

Work in Croatia

In 2025, there is still a demand for seasonal workers, especially in tourism and construction. Poles can work in Croatia for up to 90 days without additional formalities. Longer stays require meeting certain administrative requirements.

The job market is in demand for, among others, cooks, waiters, construction workers, and specialists in educational and technical services. The hotel sector is experiencing staffing shortages, which increases the chances of finding employment quickly. In 2025, the minimum gross wage is €970, which translates to approximately €753 net. Average earnings are higher, particularly in large cities and along the coast.

How much does an apartment cost in Croatia?

The average price of an apartment in Croatia is currently 3,834 euros per square meter. For houses, the median price is €3,303/m². The final cost is influenced by factors such as the number of rooms, condition, distance from the sea, and location relative to the city center.

Two-room apartments cost on average €3,994/m², three-room apartments – €3,862/m², and four-room apartments – €3,832/m². A studio apartment is the most expensive, starting at around €150,000. For houses, the price depends on the number of bedrooms – five-room houses are priced on average at €3,648/m², and eight-room houses at €3,026/m².

However, it is worth remembering that prices can vary significantly depending on many factors. For example, when buying an apartment on the first line of the coast, the cost can reach up to 10,000 euros/m². Apartments located 1 km from the sea or beach, on the other hand, are significantly cheaper. The price also depends on the building's age (whether it's new or older), its technical condition (whether it requires renovation), the furnishings, and the view the property offers.

In popular locations such as Dubrovnik (6,967 euros/m²), an apartment with a sea view is at the top end of the price range. The most expensive offers are located in the first row to the beach or in the historic parts of the city. In less crowded towns, e.g. in Koprivnica, the lowest apartment price is 2,043 euros/m².

Regions such as Zadar County or Istria County offer stable real estate prices, with the value per m² increasing by 1–21 TP3T per month. This makes purchasing a property in these areas a good investment, especially when planning a seasonal rental.

In large cities like Zagreb, the average cost of an apartment is 3,605 euros/m², and of a house – 1,936 euros/m². Dubrovnik-Neretva County remains the most expensive region in terms of price per square meter. On the other hand, Požega-Slavonia and Brodka-Posavina County offer real estate in Croatia in the lowest price range.

Why is it worth living in Croatia permanently?

Croatia combines a high standard of living with natural beauty and a peaceful daily rhythm. A stable economy, advanced education, and low crime rate make the country attractive not only to tourists but also to those planning longer stays. The possibility of daily contact with the sea, mountains and national parks improves the quality of life, and the residents' approach to everyday life in the "pomalo" spirit reduces stress. Additionally, Croatia boasts a wealth of culture, from historical monuments to numerous artistic events. The safety, openness of its residents, and growing professional and business opportunities complete the picture of a place worth staying for a while.

A real estate agency in Croatia can help those planning a move. This is a convenient solution for familiarizing yourself with the local market – such an agency will assist you in choosing the right location and handling legal and administrative issues. In recent years, an increasing number of apartments have become available for sale – both new and those requiring renovation. Among the offers, you can find: houses in Croatia with a large dining room, open kitchen, garden or even a swimming pool, depending on the size and expectations. Buying a property in a well-regarded area is a chance to have a stable place to live and secure your finances. – housing prices in Croatia are systematically rising, and the cost of living in Croatia outside the season is moderate.

FAQs:

1. How much does an apartment cost in Croatia?

The average price is around €3,834 per square meter, but much depends on the location, standard, and number of rooms. Prices are significantly higher in tourist areas, so it's worth comparing offers before making a decision. Considering all factors, such as location and condition, will help you make a sound decision and avoid surprises.

2. What is life like in Croatia from the perspective of a Pole?

Poles living in Croatia typically emphasize the relaxed pace of life, friendly people, and good conditions for everyday life. Low stress, proximity to the sea, and reasonable prices during the off-season are important advantages. However, it's worth being prepared for cultural differences and local customs.

3. Do I have to pay tax when purchasing real estate?

Yes, if you plan to buy an apartment in Croatia, you'll be subject to a 3% property tax. Additional fees include notary and registration fees.