×
Interested in our Partner Program for businesses or our Local Guide Program for experienced expats and digital nomads? Click here to learn more.
Zagreb, Croatia: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Zagreb | Digital Nomad Exchange
Digital Nomad Exchange
Free MembershipSign In

Zagreb, Croatia

By Betsy Burlingame

Last updated on May 06, 2024

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

VRBO
VRBO
VRBO
VRBO

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," commented one expat who made the move to 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," wrote a member in 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," commented one expat who made the move to Zagreb.

Where should I setup a bank account in Zagreb?

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

"Expats considering retirement in Zagreb, should be aware of several key factors. Firstly, the cost of living in Zagreb is relatively low compared to many Western countries, making it an attractive option for retirees. However, it's important to understand that the average local salary is also lower. The official language is Croatian, so learning some basic phrases or taking language classes could be beneficial, although English is widely spoken, especially among younger generations. Healthcare in Croatia is of a high standard, with both public and private options available. Expats should ensure they have comprehensive health insurance, as public healthcare can involve long waiting times. Zagreb has a continental climate, with hot summers and cold winters. It's worth considering how comfortable you are with this type of weather before making a decision. The city is known for its safety and low crime rates, but like any major city, it's advisable to take standard precautions, especially in crowded tourist areas. Croatia is part of the European Union, but not the Schengen Area, which means different visa rules may apply. It's crucial to understand the immigration process and legal requirements for residency. Zagreb offers a rich cultural scene, with numerous museums, galleries, and events throughout the year. The city is also surrounded by natural beauty, with easy access to hiking trails and national parks. Public transportation in Zagreb is reliable and affordable, with a network of trams and buses covering the city. Owning a car can be expensive due to high petrol prices and parking fees. Finally, it's important to understand the local customs and traditions to integrate into the community. Croatians are generally welcoming and friendly, but they also appreciate when foreigners respect their culture and way of life," commented one expat who made the move to Zagreb.

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

"Expats in Zagreb often appreciate the local culture for its warm hospitality and friendliness. They love the relaxed pace of life and the emphasis on enjoying good food and drink with friends and family. The rich history and beautiful architecture of the city are also highly valued. Expats often mention the high quality of life in Zagreb, with its clean, safe streets and affordable cost of living. They also appreciate the city's vibrant arts scene, with numerous galleries, theaters, and music venues. The locals' pride in their culture and traditions is also something that expats find endearing. Lastly, expats enjoy the city's numerous festivals and events, which provide a great opportunity to immerse themselves in the local culture," said one expat who made the move to Zagreb.

What do expats find most challenging?

"Expats in Zagreb 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 bureaucracy, which can be slow and complicated, especially when dealing with paperwork and official procedures. The cultural differences can also be challenging, as Croatians have a different approach to time management, often being more relaxed and less punctual than what expats might be used to. Additionally, the local cuisine, which is heavy on meat and lacks vegetarian options, can be a challenge for some expats. Lastly, the colder and reserved nature of Croatians, especially towards strangers, can be difficult for expats who come from more open and friendly cultures," remarked one expat living in Zagreb, Croatia.

Is there a lot of crime in Zagreb?

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

"Zagreb, the capital city of Croatia, generally has a low crime rate compared to other European capital cities. Most of the crimes reported are petty crimes such as pickpocketing, especially in crowded places and on public transportation. Violent crimes are relatively rare and are usually not directed towards tourists or foreigners. However, like any other city, it is always advisable to take standard precautions to ensure personal safety. The city is continuously working on improving its safety measures and maintaining a peaceful environment for both residents and tourists," remarked one expat who made the move to Zagreb.

About the Author

Betsy Burlingame 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.

Cigna Global Health
Cigna Global Health

Get a quote in 2 minutes from our partner, Cigna Global Health.
Get Quote

Cigna Global HealthCigna Global Health

Get a quote in 2 minutes from our partner, Cigna Global Health.
Get Quote

Digital Nomads ZagrebZagreb Guide

Digital nomads and expats talk about what it's like living in Zagreb.

Digital Nomad Life Zagreb Living in Zagreb

More about what it's like living in Zagreb.

Digital-Nomad-Visa-for-CroatiaDigital 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 Croatia Forum
Talk with other digital nomads and expats in Croatia on our Croatia forum - meet people, get advice and help others.

Contribute to Croatia Network Contribute
Help others in Croatia by answering questions about the challenges and adventures of living in Croatia.

Expat Healthcare Advice in CroatiaHealthcare & Health Insurance in Croatia

Digital Nomads in Croatia offer advice about healthcare, hospital visits, emergency rooms visits, finding a doctor and buying health insurance in Croatia.

Cigna Global Health
Cigna Global Health

Get a quote in 2 minutes from our partner, Cigna Global Health.
Get Quote

Cigna Global HealthCigna Global Health

Get a quote in 2 minutes from our partner, Cigna Global Health.
Get Quote

Digital-Nomad-Visa-for-CroatiaDigital 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.

Contribute to Croatia Network Contribute
Help others in Croatia by answering questions about the challenges and adventures of living in Croatia.

VRBO
VRBO

Copyright 1997-2024 Burlingame Interactive, Inc.

Privacy Policy Legal Partners & Local Guides