Moving to Zagreb, Croatia
Last updated on Sep 16, 2024
Summary: Moving to Zagreb, Croatia? Expats talk about what you need to know before moving to Zagreb.
What do I need to know before moving to Zagreb?
When we asked people what advice they would give someone preparing to move to Zagreb, they said:
"Before moving to Zagreb, expats should know that the official language is Croatian, and while English is commonly spoken, especially among younger generations, it is beneficial to learn some basic Croatian phrases. The currency used in Croatia is the Croatian Kuna, not the Euro. The cost of living in Zagreb is generally lower than in many Western European cities, but salaries are also typically lower. Zagreb has a continental climate, with hot summers and cold winters, so expats should pack a variety of clothing. The city is known for its safety and low crime rates, but like any other city, it's important to be cautious and aware of your surroundings. Healthcare in Croatia is of a high standard, with both public and private options available. Expats working in Croatia will typically be entitled to state healthcare, but many choose to take out private health insurance for more comprehensive coverage. Croatian cuisine is diverse and delicious, with a mix of Mediterranean and Central European influences. The city has a vibrant nightlife, with numerous bars, clubs, and restaurants. Zagreb is a city rich in history and culture, with many museums, galleries, and historical sites to explore. Public transportation in Zagreb is reliable and extensive, consisting of trams, buses, and trains. Expats should also be aware that Croatia has a unique business culture. Punctuality is highly valued, and business meetings are usually formal. Finally, it's important to note that obtaining a visa or work permit can be a lengthy process, so it's advisable to start this process well in advance of your planned move," said one expat in Zagreb.
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 expat 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," said one expat 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," commented one expat who made the move to Zagreb.
What cultural faux pas should I try to avoid making in Zagreb?
We asked people in Zagreb if they could share any humorous cultural blunders they commited. For new expats, keep in mind that these incidents are an inevitable part of expat life. Learning to laugh about them is the key!:
"When visiting Zagreb, it's important to avoid discussing the Yugoslav wars and the country's communist past, as these topics can be sensitive. It's also considered rude to refuse food or drink when offered by a host, as hospitality is a big part of Croatian culture. Avoid making negative comments about the country or comparing it to other former Yugoslav countries, as Croatians are very proud of their nation. It's also considered impolite to take photos of people without their permission, especially in rural areas. When visiting churches or other religious sites, dress modestly out of respect. Lastly, Croatians appreciate punctuality, so try not to be late for appointments or meetings," said one expat in Zagreb.
About the Author
Betsy Burlingame is one of the founders of Digital Nomad Exchange and the Founder and President of Expat Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange and Digital Nomad 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.
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 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
Digital Nomad Visa for Croatia
Learn about the Digital Nomad Visa for Croatia and what is involved in obtaining one. This is one of the most important aspects of moving to Croatia as a digital nomad.
Croatia Forum
Talk with other digital nomads and expats in Croatia on our Croatia forum - meet people, get advice and help others.
Contribute
Help others in Croatia by answering questions about the challenges and adventures of living in Croatia.
Digital Nomads in Croatia offer advice about healthcare, hospital visits, emergency rooms visits, finding a doctor and buying health insurance in Croatia.