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

Zadar, Croatia

By Betsy Burlingame

Last updated on Apr 03, 2024

Summary: Expats, digital nomads and retirees talk about what it is really like living in Zadar, 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 Zadar?

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

"Zadar is a city located on the Adriatic Sea in Croatia, known for its Roman and Venetian ruins in the old town. The official language is Croatian, but English is widely spoken, especially among the younger population and in tourist areas. The local currency is the Croatian Kuna, not the Euro, and it's advisable to have some on hand as not all places accept credit cards. The cost of living in Zadar is relatively low compared to other European cities, but it's higher during the tourist season. The city has a Mediterranean climate, with hot summers and mild winters, making it a popular destination for tourists. The healthcare system in Croatia is of a good standard, but it's recommended for expats to have comprehensive health insurance. Public transportation in Zadar is reliable, with buses being the main mode of transport. However, the city is small enough to be explored on foot or by bicycle. Zadar is also a safe city with a low crime rate, but like any other place, it's advisable to take standard precautions to protect your personal belongings. Croatian cuisine is diverse and delicious, heavily influenced by Italian and Mediterranean cuisines. Seafood is particularly popular in Zadar due to its coastal location. The city is also known for its vibrant nightlife, with numerous bars, clubs, and festivals taking place throughout the year. Zadar has a rich cultural and historical heritage, with many museums, galleries, and historical sites to explore. The city is also home to several international schools, making it a suitable place for expats with children. Lastly, it's important to note that bureaucracy can be slow in Croatia, so patience is needed when dealing with administrative tasks," said one expat in Zadar.

How do I find a place to live in Zadar?

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

"Finding a place to live in Zadar 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 room in a shared house. Next, you should research the different neighborhoods in Zadar to find one that suits your lifestyle and preferences. Some popular areas include the Old Town, Borik, and Diklo. Each neighborhood has its own unique characteristics and amenities, so it's important to choose one that fits your needs. Once you've identified your preferred neighborhood, you can start looking for available properties. There are several online platforms where you can find listings, such as Njuskalo, Crozilla, and Indomio. These websites allow you to filter your search based on location, price, size, and other features. In addition to online listings, you can also contact local real estate agencies. They can provide you with more personalized assistance and may have access to properties that are not listed online. Some reputable agencies in Zadar include Dogma Real Estate and Libertas International. When you find a property that you're interested in, arrange a viewing with the landlord or real estate agent. This will give you a chance to inspect the property and ask any questions you may have. If you're satisfied with the property, you can then proceed to negotiate the terms of the lease. Make sure to read the contract carefully and understand all the terms before signing. Finally, once the lease is signed, you can arrange for the move-in. This may involve hiring a moving company or doing it yourself, depending on the amount of belongings you have. Remember, finding a place to live can take time, so it's important to start your search well in advance of your planned move date," said one expat who made the move to Zadar.

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

"A typical expat home or apartment in Zadar, is often located in the city center or near the coastline, offering stunning views of the Adriatic Sea. These homes are usually fully furnished, featuring a blend of modern and traditional Croatian architecture. They often have one to three bedrooms, a living room, a fully equipped kitchen, and one or two bathrooms. Some apartments may also have a balcony or a terrace, perfect for enjoying the Mediterranean climate. Many expat homes are situated in close proximity to local amenities such as supermarkets, restaurants, and schools. For those who prefer a more tranquil setting, there are homes available in the outskirts of the city, surrounded by the natural beauty of the Croatian countryside. These properties often come with larger outdoor spaces, including gardens and sometimes even a private pool. Regardless of the location, most homes in Zadar are built with stone, reflecting the city's rich history and cultural heritage," said one expat in Zadar.

What is the average cost of housing in Zadar?

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

"The average cost of housing in Zadar can vary greatly depending on the location and size of the property. For instance, in the city center, you can expect to pay a higher price compared to the outskirts. On average, you might expect to pay around 2000 Euros per square meter for an apartment in the city center. However, prices can drop to around 1500 Euros per square meter or even lower for properties located further from the city center. Please note that these are average prices and actual costs can be higher or lower," remarked one expat who made the move to Zadar.

What should I bring when moving to Zadar?

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

"When moving to Zadar, 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 quality raincoat or umbrella, as Zadar can experience heavy rainfall, especially in the autumn and winter months. Pack comfortable walking shoes, as Zadar's Old Town is best explored on foot. Also, bring swimwear and beach accessories if you plan to enjoy the beautiful beaches and clear waters of the Adriatic Sea. If you're planning to cook, consider packing some of your favorite spices or hard-to-find ingredients, as they may not be readily available in local Croatian supermarkets. Remember to pack all necessary personal items such as toiletries, prescription medications, and any other personal care items you use daily. Don't forget to bring your important documents, such as your passport, driver's license, and any necessary visas or work permits. It's also a good idea to have copies of these documents. If you're bringing electronics, make sure to pack the appropriate power adapters, as Croatia uses Type C and Type F plugs. Lastly, consider packing items that remind you of home, such as photos or small mementos, to help make your new place feel more comfortable and familiar," explained one expat living in Zadar, Croatia.

Where should I setup a bank account in Zadar?

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

"Zadar is a popular destination for expats due to its Mediterranean climate, rich history, and affordable cost of living. Before retiring in Zadar, it's important to understand the local culture, language, and lifestyle. Firstly, learning the basics of the Croatian language can be beneficial, even though English is widely spoken in tourist areas. The locals appreciate when foreigners make an effort to speak their language. Secondly, the cost of living in Zadar is relatively low compared to other European cities. However, it's important to have a clear understanding of your financial situation and plan accordingly, taking into account potential healthcare costs and other expenses. Healthcare in Croatia is of a high standard, but it's recommended to have comprehensive health insurance. While EU citizens can use their European Health Insurance Card (EHIC), non-EU citizens will need to ensure they have adequate coverage. When it comes to housing, there are plenty of options available, from modern apartments to traditional houses. It's advisable to rent a place first before deciding to buy, to get a feel for the area and the local property market. Croatia is part of the European Union, but not the Schengen Area. This means that visa requirements may differ depending on your nationality. It's important to check the specific requirements for your situation. The Croatian lifestyle is generally laid-back, with a strong emphasis on family, food, and enjoying the outdoors. The pace of life in Zadar is slower than in larger cities, which many retirees find appealing. Croatia has a high level of safety and Zadar is no exception. However, like anywhere, it's important to take common-sense precautions, particularly in tourist areas. Finally, it's worth noting that Croatia has a relatively high rate of smoking and it's common to see people smoking in public places, including some restaurants and bars. This may be a consideration if you have health concerns related to smoking," explained one expat living in Zadar, Croatia.

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

"Expats in Zadar, appreciate the relaxed pace of life and the emphasis on enjoying the simple things. They love the local food and wine culture, which is deeply rooted in tradition and offers a variety of fresh, locally sourced dishes. They also appreciate the warm and welcoming nature of the locals, who are always willing to help and make them feel at home. The rich history and beautiful architecture of Zadar are also highly appreciated, with many expats enjoying exploring the city's ancient Roman ruins and medieval churches. The city's strong sense of community and numerous festivals and events throughout the year are also a highlight for many expats. Lastly, the stunning natural beauty of the surrounding area, including the Adriatic Sea and numerous national parks, is a major draw for expats living in Zadar," wrote a member in Zadar.

What do expats find most challenging?

"Expats in Zadar often find the language barrier to be the most challenging aspect of the local culture. Croatian is a Slavic language and can be difficult to learn, especially for those who are used to Romance or Germanic languages. Another challenge is the slower pace of life, which can be frustrating for those used to a faster, more efficient pace. Things like administrative tasks or getting repairs done can take longer than expected. Understanding and adapting to the local customs and traditions can also be a challenge. For instance, Croatians are known for their directness in communication, which can sometimes be perceived as rudeness by foreigners. The bureaucracy in Croatia is also often cited as a challenge by expats. It can be complex and time-consuming, with many procedures still done in person rather than online. Lastly, while Croatians are generally friendly and welcoming, it can take time to form deep, meaningful friendships with locals. This can lead to feelings of isolation or loneliness for some expats," said one expat in Zadar.

Is there a lot of crime in Zadar?

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

"Zadar, generally has a low crime rate, especially when compared to larger cities or other countries. The city is considered safe for both residents and tourists. Most crimes that do occur are minor, such as petty theft or pickpocketing, particularly in crowded tourist areas. Violent crime is rare, and the city is well-policed. However, like any other place, it is always recommended to take basic precautions to protect personal belongings and safety. Overall, Zadar is a safe city with a low crime rate," remarked one expat living in Zadar, 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.

AGS Worldwide Movers
AGS Worldwide Movers

AGS Worldwide Movers can move you to and from anywhere in the world.
Get Quote

AGS Worldwide MoversAGS Worldwide Movers

AGS Worldwide Movers can move you to and from anywhere in the world.
Get Quote

Digital Nomads ZadarZadar Guide

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

Digital Nomad Life Zadar Living in Zadar

More about what it's like living in Zadar.

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.

AGS Worldwide Movers
AGS Worldwide Movers

AGS Worldwide Movers can move you to and from anywhere in the world.
Get Quote

AGS Worldwide MoversAGS Worldwide Movers

AGS Worldwide Movers can move you to and from anywhere in the world.
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.

Cigna Global Health
Cigna Global Health

Copyright 1997-2024 Burlingame Interactive, Inc.

Privacy Policy Legal Partners & Local Guides