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

By Betsy Burlingame

Last updated on May 02, 2024

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

Cigna Global Health
Cigna Global Health
Cigna Global Health
Cigna Global Health

What do I need to know before moving to Opatija?

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

"Opatija, is a beautiful coastal town known for its Mediterranean climate, making it a popular destination for expats. Before moving to Opatija, it's important to understand that while English is commonly spoken in tourist areas, the official language is Croatian, so learning some basic phrases can be beneficial. The cost of living in Opatija is relatively low compared to other European cities, but it's still important to budget accordingly. The local currency is the Croatian Kuna, not the Euro, so you'll need to be familiar with the exchange rates. Healthcare in Croatia is of a high standard, but it's recommended to have comprehensive health insurance. If you're from an EU country, you should obtain a European Health Insurance Card (EHIC) before you move. Croatia is part of the European Union but not the Schengen Area, which means different visa rules may apply. It's essential to check the visa requirements for your specific nationality before planning your move. Opatija has a rich history and culture, with many festivals and events taking place throughout the year. It's worth researching these to fully immerse yourself in the local lifestyle. Public transportation in Opatija is reliable, but many expats choose to drive. If you plan to drive in Croatia, you'll need to obtain a local driving license or an International Driving Permit. The cuisine in Opatija is heavily influenced by its coastal location, with seafood being a staple in many dishes. It's also known for its excellent local wines and olive oils. Finally, it's important to note that Opatija is a popular tourist destination, especially during the summer months. This means that the town can get quite busy, and prices may increase during this time," said one expat in Opatija.

How do I find a place to live in Opatija?

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

"Finding a place to live in Opatija, involves several steps. First, you need to determine your budget and the type of accommodation you're looking for. This could range from an apartment, a house, or even a villa, depending on your preference and financial capability. Next, you should research about the different neighborhoods in Opatija to understand the amenities, proximity to essential services, and the general atmosphere of each area. This will help you decide on the most suitable location for your needs. 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 rental properties or properties for sale in Opatija. Websites like Real Estate Croatia, Croatia Property Sales, and Rightmove have numerous listings that you can filter based on your preferences. Alternatively, you can engage the services of a real estate agent. They have extensive knowledge of the local property market and can help you find a place that fits your criteria. Ensure that the agent is registered and reputable to avoid any potential issues. When you find a potential place, arrange for a viewing. This will give you a chance to inspect the property and the surrounding area. It's also an opportunity to ask any questions you might have about the property. If you're satisfied with the property, you can proceed to negotiate the terms of the lease or purchase. It's advisable to seek legal advice during this process to ensure that your interests are protected. Finally, once the agreement is finalized, you can move into your new home in Opatija, Croatia," remarked one expat living in Opatija, Croatia.

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

"A typical expat home or apartment in Opatija, is often located in a charming, historic building with a blend of Austro-Hungarian architecture and modern amenities. These homes usually offer stunning views of the Adriatic Sea and the surrounding lush green landscapes. The interiors are spacious, with high ceilings, large windows, and often feature a balcony or terrace. The living area is typically furnished with comfortable, contemporary furniture, while the kitchen is equipped with modern appliances. Bedrooms are usually large and airy, often with en-suite bathrooms. Many apartments also have access to a shared garden or courtyard, and some even have private swimming pools. Despite being in a historic area, these homes often come with parking spaces, which is a valuable commodity in this popular tourist destination. The location of these homes is also a key feature, with many being within walking distance to the beach, local markets, restaurants, and other amenities," explained one expat living in Opatija, Croatia.

What is the average cost of housing in Opatija?

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

"The average cost of housing in Opatija can vary greatly depending on the type and location of the property. For instance, a luxury villa with a sea view can cost significantly more than a small apartment in the city center. However, on average, you can expect to pay a moderate amount for a decent-sized apartment in a good location. It's always best to check with local real estate agencies for the most accurate and up-to-date information," said one expat who made the move to Opatija.

Where should I setup a bank account in Opatija?

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

"Before retiring in Opatija, expats should know that the city is known for its Mediterranean climate and beautiful seaside views, making it a popular tourist destination. The cost of living is generally lower than in many Western European countries, but it's still higher compared to other parts of Croatia due to its popularity as a tourist destination. Expats should be aware that while many locals speak English, particularly in the tourism industry, it's beneficial to learn some Croatian to help with day-to-day living. The healthcare system in Croatia is generally good, but it's recommended to have comprehensive health insurance. Opatija has a slower pace of life, which can be a significant change for those used to living in bustling cities. The city is safe, with a low crime rate, but like any place, it's important to take standard precautions. Croatia is part of the European Union, so EU citizens can retire there without needing a visa. However, non-EU citizens will need to apply for a residence permit. Opatija has a rich history and culture, with many festivals and events taking place throughout the year. The city is also known for its cuisine, particularly seafood, so food lovers will be in their element. Public transportation in Opatija is reliable, but having a car can be beneficial for exploring other parts of Croatia. Finally, it's important to note that while Croatia is part of the EU, it does not use the Euro as its currency. The official currency is the Croatian Kuna," said one expat who made the move to Opatija.

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

"Expats in Opatija, often appreciate the warm and welcoming nature of the local people, who are known for their hospitality and friendliness. They also enjoy the relaxed pace of life, which is a stark contrast to the hustle and bustle of many Western cities. The rich history and culture of Opatija, evident in its architecture, festivals, and traditions, is another aspect that expats find appealing. The local cuisine, which is a blend of Italian, Central European, and Mediterranean influences, is also highly appreciated. Expats also value the natural beauty of Opatija, from its stunning coastline to its lush parks and gardens. The city's commitment to cleanliness and environmental preservation is another aspect that expats admire. Lastly, many expats appreciate the affordable cost of living in Opatija, which allows them to enjoy a high quality of life," wrote one member in Opatija.

What do expats find most challenging?

"Expats in Opatija often find the language barrier to be the most challenging aspect of the local culture, as Croatian is a Slavic language that can be difficult to learn. Additionally, the pace of life in Opatija is slower than in many Western countries, which can be a difficult adjustment for some expats. The bureaucracy in Croatia can also be challenging, as it can be slow and complicated, particularly for those who are not familiar with the system. Some expats may also struggle with the local customs and social norms, which can be quite different from those in their home countries. Finally, while Croatians are generally friendly and welcoming, it can take time to form close relationships, which can be challenging for expats who are used to a more open and immediate culture of friendship," wrote a member in Opatija.

Is there a lot of crime in Opatija?

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

"Opatija is generally considered a safe city with a low crime rate. Like any other place, minor crimes such as pickpocketing or petty theft can occur, especially in crowded areas or tourist hotspots. However, violent crimes are extremely rare. The local police force is efficient and responsive, contributing to the overall safety of the city. It's always advisable for visitors to take standard precautions to protect their belongings, but overall, Opatija is a safe destination for both residents and tourists," wrote a member in Opatija.

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.

SJB Global
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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.
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