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Split, Croatia: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Split | Digital Nomad Exchange
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Split, Croatia

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By Betsy Burlingame

Last updated on Apr 11, 2024

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

What do I need to know before moving to Split?

When we asked people what advice they would give someone preparing to move to Split, they said:

"Split, is a beautiful city with a rich history, located on the Adriatic Sea, known for its stunning architecture, vibrant nightlife, and warm, sunny climate. Before moving to Split, it's important to understand that the official language is Croatian, and while English is commonly spoken in tourist areas, it may not be as widely spoken in residential areas. The cost of living in Split is generally lower than in many Western European countries, but it's still important to budget carefully, especially if you plan to live in the city center where prices can be higher. The local currency is the Croatian Kuna, not the Euro, so you'll need to be prepared to exchange your money. Split has a Mediterranean climate with hot, dry summers and mild, wet winters, so pack your clothing accordingly. Public transportation in Split is reliable and affordable, with a network of buses and ferries connecting different parts of the city and nearby islands. Croatia is part of the European Union but not the Schengen Area, which means you may need a visa to live there, depending on your nationality. Healthcare in Croatia is of a high standard, but it's recommended to have comprehensive health insurance to cover any medical costs. Croatian cuisine is diverse and delicious, heavily influenced by Italy and other Mediterranean countries, so be prepared to enjoy a variety of seafood, meat dishes, and local wines. Split is a safe city with a low crime rate, but like any other city, it's important to be aware of your surroundings and take basic precautions. The city is also known for its festivals and events, particularly in the summer, which can be a great way to immerse yourself in the local culture. Finally, Croatians are known for their hospitality and love of sports, particularly football, so don't be surprised if you're invited to a local game," said one expat who made the move to Split.

How do I find a place to live in Split?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Split involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from a small apartment to a larger house, depending on your needs and financial situation. Next, you should research different neighborhoods in Split to find one that suits your lifestyle and preferences. Some popular areas include the Old Town, Bacvice, and Marjan. Consider factors such as proximity to work or school, access to public transportation, safety, and the presence of amenities such as shops, restaurants, and parks. Once you have a clear idea of what you're looking for, you can start your search. There are several online platforms where you can find listings for rentals in Split, such as Njuskalo, Crozilla, and Indomio. These websites allow you to filter results based on your criteria, and you can contact landlords or agents directly through the platform. Another option is to work with a real estate agent. They can help you navigate the local market, arrange viewings, and negotiate contracts. However, keep in mind that you'll likely have to pay a commission for their services. When you find a place you're interested in, arrange a viewing to see it in person. This is also a good opportunity to ask questions about the property and the terms of the lease. Make sure to check the condition of the property and ensure that all appliances and systems are in working order. Once you've found a place you like, you'll need to sign a lease agreement. This will typically require you to pay a deposit, usually equivalent to one or two months' rent. Make sure to read the contract carefully and understand all the terms before signing. Finally, once the lease is signed and the deposit is paid, you can move into your new home in Split," remarked one expat who made the move to Split.

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

"A typical expat home or apartment in Split, often combines modern amenities with traditional Dalmatian architecture. Many apartments are located in stone buildings that date back centuries, offering a unique blend of history and comfort. These homes usually have high ceilings, spacious rooms, and large windows that let in plenty of natural light. The interior design often reflects the Mediterranean lifestyle, with light, airy spaces, neutral color palettes, and natural materials like wood and stone. Many homes have balconies or terraces, offering stunning views of the city, the sea, or the surrounding mountains. The kitchen is usually fully equipped with modern appliances, and the living areas are furnished with comfortable sofas and flat-screen TVs. Bedrooms are typically cozy and inviting, with plenty of storage space. Many expat homes in Split are located in the city center, close to shops, restaurants, and cultural attractions. However, there are also many options in quieter, residential neighborhoods, or even in the countryside, for those who prefer a more tranquil lifestyle. Despite the historic nature of many buildings, most expat homes in Split have been renovated to include modern conveniences like air conditioning, high-speed internet, and washing machines. Some luxury apartments even have amenities like swimming pools, gyms, and private parking. In terms of outdoor space, some homes have private gardens or courtyards, while others have access to shared green spaces. Many expats also choose to live in apartments with sea views, as Split is located on the Adriatic coast. Overall, a typical expat home in Split offers a comfortable and convenient base from which to explore and enjoy this beautiful Croatian city," wrote one member in Split.

What is the average cost of housing in Split?

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

"The average cost of housing in Split 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 in the same area can cost significantly more. Outside the city center, the prices for apartments of similar sizes tend to be somewhat lower. For those looking to purchase property, the average price per square meter for an apartment in the city center is quite high, while outside the city center, the price per square meter is considerably less. However, these prices can fluctuate based on market conditions and other factors," wrote a member in Split.

What should I bring when moving to Split?

People living in Split were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Split, you should pack a variety of clothing to accommodate for the Mediterranean climate, including lightweight clothing for the hot summers and warmer clothing for the cooler winters. Don't forget to pack a good pair of walking shoes as the city is best explored on foot. Swimwear is a must as Split has beautiful beaches and the Adriatic Sea is perfect for swimming. Also, pack a hat, sunglasses, and sunscreen to protect yourself from the sun. Bring any necessary prescription medications and a basic first aid kit. It's also a good idea to pack travel-sized toiletries to use until you can purchase more locally. If you plan on cooking, consider packing some of your favorite non-perishable spices or condiments, as they may be hard to find in Croatia. Remember to pack all necessary travel documents, including your passport, visa documents, and any other identification. Pack a power adapter for your electronics, as Croatia uses a different plug type than many other countries. If you're planning on working or studying, don't forget to pack your laptop, chargers, and any other necessary electronics. Lastly, consider packing a few personal items to make your new place feel like home, such as photos or small mementos," wrote one member in Split.

Where should I setup a bank account in Split?

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

"Expats considering retirement in Split, should be aware of several key factors. Firstly, the cost of living in Split is generally lower than in many Western countries, but it's still important to have a clear financial plan. The local currency is the Croatian Kuna, not the Euro, and it's advisable to understand the exchange rates. Healthcare in Croatia is of a high standard, with both public and private options available. However, it's recommended to secure comprehensive health insurance to cover any potential medical costs. The official language is Croatian, and while English is commonly spoken in tourist areas and by younger generations, it's beneficial to learn some basic Croatian phrases. Croatia has a Mediterranean climate, with hot summers and mild winters, which can be a significant change for those from colder climates. Split is known for its rich history and culture, with numerous historical sites, festivals, and traditional cuisine. It's worth taking the time to understand and appreciate the local customs and traditions. The process of buying property in Croatia can be complex, and it's recommended to hire a local lawyer to assist with this. Croatia is part of the European Union, but not the Schengen Area, which can affect the visa requirements and residency rights of retirees from certain countries. Finally, it's important to note that the pace of life in Split is typically slower than in many Western countries, which can take some adjustment but can also contribute to a relaxed retirement lifestyle," said one expat who made the move to Split.

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

"Expats in Split often appreciate the relaxed pace of life, known as 'pomalo' lifestyle, where locals take time to enjoy the simple things in life. They also value the strong sense of community and family ties that are deeply ingrained in the local culture. The local cuisine, which is a blend of various Mediterranean influences, is another aspect that expats enjoy. They also appreciate the locals' hospitality and friendliness towards foreigners. The rich history and well-preserved architecture of Split is another aspect that expats find fascinating. Lastly, the beautiful natural surroundings, including the Adriatic Sea and numerous islands, are highly appreciated by expats living in Split," wrote one member in Split.

What do expats find most challenging?

"Expats in Split 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 may also struggle with the slower pace of life, which can be frustrating when trying to get things done quickly. The bureaucracy can be quite complex and time-consuming, which can be particularly challenging for those used to more efficient systems. Some expats may find it difficult to integrate into the local community, as Croatians can be reserved and it can take time to build relationships. The cultural differences in communication style can also be challenging, as Croatians tend to be more direct and straightforward than people from some other cultures. Lastly, the high level of smoking in public places can be a challenge for those who are not used to it," remarked one expat living in Split, Croatia.

Is there a lot of crime in Split?

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

"Split, generally has a low crime rate, especially when compared to many other major cities around the world. Most of the crimes that do occur are non-violent and petty in nature, such as pickpocketing or minor theft, particularly in crowded tourist areas. Violent crime is relatively rare, and the city is considered safe for both residents and visitors. However, like any city, it is always important to stay vigilant and take basic safety precautions. The local police force is efficient and responsive, contributing to the overall safety of the city. Despite the low crime rate, occasional incidents of crime do occur, but these are not common and do not significantly impact the overall safety of the city," remarked one expat living in Split, Croatia.

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.

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