Have you ever wondered what life is like in Croatia? Located in Southeastern Europe and known for its stunning coastline, rich history, and vibrant culture, Croatia offers a unique lifestyle that captivates travelers, expats, and digital nomads alike.
Whether you’re considering a move, planning an extended stay, or just a short visit, this comprehensive guide will provide you with everything you need to know about living in Croatia.
What's Inside
What Are Living Conditions Like in Croatia?
Croatia offers a good standard of living, although still below that of more developed European countries like Germany or Austria. However, compared with those countries, Croatia shows certain advantages regarding life-work balance.
According to the Human Development Index (HDI), Croatia is ranked 40th in the world, which makes it among the most highly developed economies.
Croatia is a democratic country with a highly developed market economy. As of the 2021 Population census, its population was 3.871.833. According to 2023 and 2024 statistics, the unemployment rate in Croatia is around 6%. Life expectancy in Croatia is 76.42.
Croatian healthcare is high-quality, with both public and private options available. The public healthcare system is affordable but may require longer waiting times, while private healthcare provides quicker access to services. Among 195 countries and territories on Lancet’s healthcare access and quality assessment, Croatia ranked 30th.
Education is also well-regarded, with numerous local and international schools and universities.
Living conditions in Croatia vary significantly between urban and rural areas. In larger cities like Zagreb, Split, and Dubrovnik, you can expect modern amenities, well-developed infrastructure, and a bustling lifestyle. Smaller towns and rural areas offer a more relaxed pace of life, with close-knit communities and breathtaking natural landscapes.
Job and Working Opportunities in Croatia
Job opportunities in Croatia are diverse but can be competitive, particularly for positions requiring specialized skills. Tourism, IT, and manufacturing are some of the key industries offering employment.
According to EUROSTAT data, in 2023, Croatia approved 172.500 work permits, mainly for citizens of Bosnia and Herzegovina, Serbia, Nepal, North Macedonia, India, Kosovo, Philippines, and Bangladesh. Most were in the construction, agriculture, tourism, and hospitality industries.
Croatia also attracts digital nomads, and its digital nomad visa makes it easier for remote workers to live and work legally in the country. Good internet infrastructure and growing coworking spaces are also advantages.
Freelancers and entrepreneurs will find plenty of networking opportunities and support communities to help them thrive.
Nutrition and Food Expenses in Croatia
Since the Euro’s introduction in 2022, food expenses in Croatia have skyrocketed. Grocery prices, particularly along the coast, have become significantly more expensive.
Various national and international retailers maintain different pricing for coastal and inland areas.
Additionally, prices in coastal regions surge by 10% or more during the peak summer season, from June to September. Here’s a breakdown of some everyday items.
Item | Average Price (€) | Average Price (USD) |
Loaf of White Bread (500g) | €1.30 | $1.45 |
Rice (1kg) | €3.00 | $3.25 |
Milk (1L) | €0.95 | $1.05 |
10 Eggs (medium) | €2.80 | $3.00 |
Chicken breast (1kg) | €7.50 | $8.10 |
Apples (1kg) | €1.40 | $1.50 |
Bananas (1kg) | €1.45 | $1.60 |
Water (1.5L) | €0.75 | $0.80 |
Local beer (0.5L) | €1.25 | $1.35 |
Local markets and supermarkets offer fresh produce and a variety of Croatian specialties. Dining out is no longer as affordable as it once was; since the switch to the Euro, restaurant prices have also risen significantly.
Accommodation and Housing Costs in Croatia
Housing costs in Croatia can vary widely depending on the location and type of accommodation. Here’s an overview of typical costs for monthly rental of 1-bedroom apartment in different Croatian towns.
Town | Monthly Rent (€) | Monthly Rent (USD) |
Zagreb | €600 | $650 |
Split | €800 | $865 |
Dubrovnik | €900 | $975 |
Pula | €700 | $760 |
Rijeka | €650 | $700 |
Osijek | €350 | $380 |
Coastal towns such as Split and Dubrovnik typically have higher rental prices, particularly during the tourist season.
Finding a yearly rental apartment has become increasingly challenging, as many property owners prefer short-term rentals to tourists. This approach maximizes their income and minimizes wear and tear on the property.
In many coastal towns, apartments are frequently available for long-term rent from October to May, leaving tenants without a proper solution during summer. In contrast, inland cities like Osijek provide more affordable rental options.
Clothing Costs in Croatia
Croatia’s clothing expenses are comparable to those of other European countries. Here are the average costs for everyday clothing items.
Item | Average Price (€) | Average Price (USD) |
Pair of jeans | €80 | $87 |
Summer dress | €30 | $33 |
Business suit | €220 | $240 |
Pair of sneakers | €80 | $87 |
Winter coat | €120 | $130 |
International brands and local boutiques provide various shopping options, ensuring you can find the perfect outfit for any occasion.
Travel Expenses in Croatia
Whether planning an annual vacation or a long-term move to Croatia, the Adriatic coast is a must-visit destination. No trip to Croatia is complete without spending at least a few days by the sea. To help you plan your holiday effectively, we have outlined some of the key expenses you can expect for such a trip.
Item | Average Price (€) | Average Price (USD) |
Bus ticket (Zagreb-Split) | €25.00 | $27.00 |
Train ticket (Zagreb-Split) | €15.00 | $16.30 |
Ferry ticket (Split-Hvar), 2 adults + vechicle | €64.40 | $70.00 |
Catamaran ticket (Split-Hvar), adult | €20.00 | $22.00 |
Domestic flight (return ticket) | €80.00 | $88.00 |
Vacation rental for 2 per day (high-season) | €130.00 | $145.00 |
Double room with breakfast in a 4* hotel (high season) | €280.00 | $305.00 |
Dinner in a mid-class restaurant | €40.00 | $44.00 |
A full-day boat trip | €90.00 | $99.00 |
Architecture and City Structure in Croatia
Croatia’s cities are a blend of historic charm and modern convenience. Towns like Dubrovnik and Split boast stunning medieval architecture, while Zagreb combines Austro-Hungarian elegance with contemporary urban living.
The city structures vary, with coastal towns featuring narrow, winding streets and inland cities offering more spacious layouts. Residential areas often include a mix of traditional stone houses and modern apartments.
Three Must-see Architectural and Historical Buildings in Croatia
- Dubrovnik’s Old Town: Known as the “Pearl of the Adriatic,” this UNESCO World Heritage site is famous for its well-preserved medieval walls and historic buildings.
- Diocletian’s Palace in Split: A stunning Roman palace that forms the heart of Split, offering a glimpse into ancient Roman architecture and history.
- Zagreb Cathedral: The tallest building in Croatia, this Gothic-style cathedral is an iconic symbol of Zagreb.
Exploring these architectural marvels will give you a deeper appreciation of Croatia’s rich history and cultural legacy.
Transportation Options and Conditions in Croatia
Transportation in Croatia is efficient and reliable. Cities like Zagreb, Split, and Rijeka have extensive public transport networks, including buses, trams, and trains. Here are some common transportation options and their costs.
Town | Mode of Transport | Ticket Price (€) | Ticket Price (USD) |
Zagreb | Tram (60 min) | €0.93 | $1.00 |
Split | Bus (60 min) | €1.00 | $1.10 |
Dubrovnik | Bus (60 min) | €1.73 | $1.90 |
Rijeka | Bus (60 min) | €2.00 | $2.20 |
Zadar | Bus (50 min) | €1.59 | $1.73 |
Intercity transport includes buses, trains, and domestic flights, making it easy to travel between towns. The road network is well-maintained, and driving is a popular option for exploring the country.
Traveling and getting around Croatia is convenient and affordable. The modern, well-maintained road infrastructure and extensive bus network provide easy access to various destinations.
Ferries efficiently connect the mainland with Croatian islands, accommodating passengers and vehicles.
Croatian airports are well-linked to major European hubs and serviced by national and low-cost carriers, especially during summer.
How is Traffic in Croatia?
Traffic conditions in Croatia are generally manageable, with peak hours causing minor congestion in larger cities.
According to TomTom’s Traffic Index, Zagreb ranks relatively low in congestion compared to other European capitals.
Driving in coastal areas during the tourist season can be challenging due to increased traffic, but Croatia’s roads are safe and well-signposted overall.
The most challenging traffic conditions are between Split and Trogir and Split and Omis, especially in summer.
If you plan on exploring the countryside or smaller towns, consider renting a car in Croatia for convenience and flexibility.
Education in Croatia
The Croatian education system comprises elementary education, which lasts eight years and is typically attended by kids aged 7 to 14, and high school, which lasts between four years and is for teenagers aged 15 to 18. After completing secondary education, students either decide to attend undergraduate university programs or to start working. University undergraduate programs follow the European Bologna system and last 3 to 5 years.
The most popular Universities are listed below.
- University of Zagreb: Croatia’s oldest and largest university, offering a wide range of programs.
- University of Split: Known for its strong engineering and maritime programs.
- University of Rijeka: Offers diverse courses focusing on research and innovation.
According to EAG 2023, Croatia allocates USD 8,150 per year per full-time student (adjusted for purchasing power and including R&D expenses), below the OECD average of USD 12,647.
Unfortunately, Croatian 15-year-old students performed slightly below the OECD average in science, mathematics, and reading according to the PISA tests in 2022.
Economy in Croatia
The Croatian economy is a developed social market economy. The key economic sectors in Croatia are tourism, agriculture, food, textile, chemical, oil, wood processing, construction, trade, and shipbuilding.
The tech industry has grown recently, with startups and innovation hubs emerging nationwide. In 2020, tech company Infobip made history as the first Croatian unicorn by securing a $200 million investment, reaching a billionaire valuation.
Croatia’s EU membership has also boosted trade and investment opportunities.
Only about 15% of Croatian companies export, but they employ 51% of all workers, contribute 62% of investments, generate 66% of sales revenue, and account for 73% of development investments. They also make 76% of the profit.
According to the State Statistics Office (DZS), Croatian merchandise exports in 2023 were valued at 22.9 billion euros, while imports were 39.6 billion euros. The foreign trade deficit in 2023 was 16.7 billion euros.
In 2023, the processing industry accounted for about 85% of total exports. Key sectors include food production, refined petroleum products, electricity and gas supply, and mining.
Croatia’s main foreign trade partners are EU member states, accounting for about 68% of total exports in 2023. The largest partners are Germany, Italy, Slovenia, and Hungary.
As of 2023, Croatia’s GDP per capita reached €19.847, placing it 67th out of 179 countries.
Croatia uses the Euro (€) as a currency.
Tourism in Croatia
Croatia’s stunning natural beauty and rich cultural heritage make it a popular tourist destination. In 2023, the country welcomed almost 20 million international visitors, who spent 92.4 million overnights, according to the State Statistical Office’s data.
German tourists are the most prevalent visitors in Croatia, followed by those from Slovenia, Austria, Poland, the Czech Republic, Italy, and the United Kingdom. Istria stands out as the most visited Croatian region, attracting nearly 5 million tourists annually. It is closely followed by Split-Dalmatia County, with 3.6 million tourists, and Primorje-Gorski Kotar County, with 3.1 million visitors each year.
The most visited destinations include Rovinj, Dubrovnik’s Old Town walls and Game of Thrones filming locations, Porec with its famous Euphrasian Basilica, Split with its UNESCO-listed Diocletian’s Palace, Plitvice Lakes National Park with its cascading lakes and waterfalls, and the picturesque island of Hvar.
Climate in Croatia
Croatia enjoys a Mediterranean climate along the coast, with hot, dry summers and mild, wet winters. Inland areas experience a continental climate characterized by warm summers and cold winters.
The coastal regions are perfect for beach lovers, while the inland areas offer picturesque landscapes and outdoor activities year-round.
Croatian Geography
Croatia boasts a diverse geography featuring stunning coastlines, lush forests, and dramatic mountain ranges. The country is divided into several distinct regions, each offering its unique charm.
Dalmatia and Istria are renowned coastal areas celebrated for their beautiful beaches, historic cities like Split, Dubrovnik, and Rovinj, rolling hills, vineyards, and quaint towns.
Slavonia and Baranja are fertile agricultural regions in eastern Croatia, with vast plains and traditional villages.
The Croatian Uplands encompass Zagreb and the surrounding picturesque regions of Zagorje and Medimurje, which are noted for their scenic hills.
Gorski Kotar and Lika are mountainous regions famed for their national parks, magnificent landscapes, and an array of outdoor activities such as hiking, skiing, and rafting.
Croatian Culture
Croatia boasts a rich cultural heritage encompassing literature, fine arts, and sports.
The country’s literary tradition includes celebrated writers such as Miroslav Krleža, known for his insightful observations on Croatian society, and Ivana Brlić-Mažuranić, often dubbed the Croatian Hans Christian Andersen for her enchanting children’s stories.
In the realm of visual arts, Ivan Meštrović stands out; his sculptures, like the iconic Grgur Ninski in Split, are internationally renowned.
Croatian sportsmen have also left an indelible mark on the global stage. In addition to Luka Modric and Goran Ivanisevic, legendary basketball player Dražen Petrović, often referred to as the Mozart of Basketball, is celebrated for his incredible skill and sportsmanship.
From the intricate tapestry of its literature and art to the exhilarating achievements of its athletes, Croatian culture is a trove of treasures waiting to be discovered.
Reasons for Moving to Croatia
There are many reasons why people choose to move to Croatia:
- Quality of Life: Enjoy a relaxed lifestyle, beautiful surroundings, and a strong sense of community.
- Affordable Living: Lower cost of living compared to Western Europe.
- Rich Culture and History: Experience Croatia’s vibrant traditions, festivals, and historic sites.
- Outdoor Activities: From hiking and sailing to skiing and wine tasting, there’s something for everyone.
- Healthcare: Access to good-quality healthcare services.
Croatia has something to offer whether you’re seeking a new adventure or a peaceful retirement destination.
How Does Croatia Treat Different Races, Nationalities, and Homosexuals?
Croatia is generally welcoming and inclusive, though attitudes can vary depending on the region. Larger cities tend to be more progressive, with diverse communities. While there may be occasional discrimination, the overall trend is towards greater acceptance and equality.
Expats and tourists often report positive experiences with friendly locals and a warm, hospitable culture.
Religious Situation in Croatia
Croatia is predominantly Roman Catholic, with a significant portion of the population identifying with the faith. Other religious groups, including Orthodox Christians, Muslims, and Jews, are also present and respected.
Religious holidays and traditions play an important role in Croatian culture, contributing to the country’s rich tapestry of customs and celebrations.
Crime Rates in Croatia
Croatia is considered one of the safest countries in Europe, with low crime rates and a strong sense of community security. Petty crimes like pickpocketing can occur in tourist areas, but violent crime is rare.
According to the 2024 Global Peace Index, Croatia ranks 15th most peaceful country out of 163 countries.
The country’s police force is professional and responsive, ensuring a safe environment for residents and visitors.