Following its independence in 1991, Croatia was involved with a series of wars that devastated the country. Today it has mostly recovered, with an improved economy and standard of living. Tourism is a major portion of Croatia’s service sector, responsible for 20% of the country’s GDP. With its sandy beaches and numerous resorts, Croatia’s Adriatic coast attracts countless tourists every year. As of 2013, Croatia has officially joined the European Union and is becoming a key destination for expats.
In recent times, Croatia has become increasingly popular for expatriates, retirees, remote workers, and families seeking a new home in Europe. Located along the Adriatic Sea, the country combines spectacular natural scenery with historic cities, a relaxed lifestyle, and convenient access to the rest of Europe.
From the lively streets of Zagreb to the coastal communities of Split and Dubrovnik, living in Croatia has plenty of different possibilities. Residents can enjoy city life, settle beside the sea, or choose a quieter community in the countryside. Despite moving abroad requiring careful planning, Croatia has several advantages that make it a place to consider living in.
Here are 10 Reasons to become an Expat in Croatia.
1. Croatia Has an Incredible Adriatic Coastline
One of the most obvious benefits of living in Croatia is its famous Adriatic coastline. The coast is known for clear water, attractive beaches, historic towns, and hundreds of islands and islets.
Cities like Split, Zadar, Dubrovnik, and Rijeka allow residents to combine everyday conveniences with a coastal lifestyle. On the other hand, smaller destinations, including Rovinj, Poreč, and Šibenik, may appeal to people seeking a quieter environment.
Popular activities along the Croatian coast include:
- Swimming and snorkelling
- Sailing and kayaking
- Hiking beside the sea
- Visiting islands and coastal villages
- Relaxing at waterfront cafés
- Exploring historic ports and old towns
Croatia can be crowded during the summer tourist season. Still, residents can enjoy a calmer atmosphere during spring and autumn, when temperatures can still be pleasant, but visitor numbers are usually lower.
2. Residents Can Enjoy a Relaxed Lifestyle
Another important reason to consider moving to Croatia is its slower and more social pace of life. Croatian culture places considerable value on spending time with relatives and friends, enjoying meals, and meeting for coffee.
This relaxed atmosphere can be appealing to expats who want to improve their work-life balance. Living in smaller Croatian cities can feel less rushed than life in a major international centre. For instance, public squares, promenades, outdoor cafés, and local markets also create opportunities for regular social interaction.
The idea of taking time to enjoy a coffee is a common part of Croatian social life. Instead of treating coffee as something to consume quickly, many people use it as a chance to talk and connect.
3. Croatia Offers Several Different Places to Live
Although Croatia is not a large country, its cities and regions offer diverse living experiences. This variety allows expats to choose a location that best suits their work, budget, and lifestyle.
Some of Croatia’s most popular places to live are:
- Zagreb: The capital has universities, museums, employment opportunities, public transportation, shopping, and year-round cultural events.
- Split: This coastal city combines beaches and Roman history with restaurants, transportation connections, and an active social environment.
- Dubrovnik: Known for its historic walls and architecture, Dubrovnik has dramatic coastal scenery but can be crowded and expensive during summer.
- Rijeka: A working port city with cultural attractions, nearby islands, and convenient access to the Istrian Peninsula.
- Zadar: A smaller coastal city known for its old town, waterfront, and proximity to national parks.
- Osijek: Located in eastern Croatia, Osijek has a quieter environment and may have lower housing costs than the most popular coastal destinations.
- Istria: Towns such as Pula and Rovinj are great for those who enjoy coastal scenery, historic architecture, and easy connections to Italy and Slovenia.
Before choosing a destination, potential residents should compare housing availability, employment opportunities, transportation, and seasonal tourism.
4. Croatia Has Amazing Natural Wonders To Explore
Living in Croatia means having access to an impressive variety of landscapes. The country contains forests, mountains, waterfalls, rivers, islands, and protected coastal areas. This makes Croatia especially appealing for people who enjoy an active outdoor lifestyle.
Plitvice Lakes National Park is famous for its lakes and waterfalls, while Krka National Park features river scenery and walking routes. On the other hand, Paklenica National Park is popular with hikers and climbers, and the islands are excellent for swimming, sailing, and coastal exploration.
Depending on where they live, residents may be able to enjoy:
- Weekend hiking trips
- Cycling routes
- Visits to waterfalls and lakes
- Sailing between Croatian islands
- Camping and nature excursions
- Swimming and water sports
- Visits to vineyards and rural communities
Croatia’s manageable size means that you can visit many of the country’s natural attractions that can be visited during a weekend or short holiday.
5. Croatia Has a Rich History and Culture
There is more to Croatia than just beaches for expats. For example, this country has a long and complex history, evident in Roman ruins, medieval towns, Venetian architecture, Austro-Hungarian buildings, churches, fortresses, and museums.
Split’s historic centre developed around Diocletian’s Palace, built during the Roman period. Dubrovnik preserves an extensive, well-preserved old town, while Pula is home to a large Roman amphitheatre. Zagreb offers a distinct cultural experience thanks to its museums, galleries, markets, and Central European architecture.
Croatia is culturally appealing because of its local festivals, traditional music, regional customs, and distinctive cuisine. Living in the countryside gives you the time to explore these traditions more than a short holiday would allow.
6. The Country is Well Positioned for European Travel
Croatia’s location is another significant advantage. It shares borders with Slovenia, Hungary, Serbia, Bosnia and Herzegovina, and Montenegro. Italy can also be easily accessed by air and by ferry in some coastal locations.
Croatia has been part of the Schengen Area and the European Union since January 1, 2023. This makes travel and financial transactions much more convenient for many European residents and visitors.
Depending on their location and immigration status, residents may find it convenient to visit destinations like:
- Slovenia
- Italy
- Austria
- Hungary
- Bosnia and Herzegovina
- Montenegro
- Serbia
Also, flights, buses, roads, and seasonal ferry services provide additional travel options. Zagreb generally offers the strongest year-round transproation connections, while coastal airports have become especially active during the summer.
7. The Cost of Living Can Be Reasonable
Croatia’s cost of living can be lower than in some parts of North America and Western Europe. However, expenses vary considerably according to location and lifestyle.
Zagreb and heavily visited coastal destinations can be relatively expensive, especially regarding housing. For instance, rental prices in Split, Dubrovnik, and other tourist centres can rise during the summer. Better value may be offered in smaller inland cities and less tourist-oriented communities.
Common expenses to research before moving include:
- Monthly rent and deposits
- Electricity, water, and heating
- Internet and mobile service
- Groceries and household products
- Public transportation or vehicle costs
- Private or public health insurance
- Immigration and residence fees
- Seasonal changes in accommodation prices
Those planning to live in Croatia should create a realistic budget based on a specific day. Also, national estimates mayn ot reflect the cost of living in a popular coastal community.
9. Croatia is Attractive to Remote Workers
Croatia has garnered attention among remote workers for its coastal scenery, historic cities, cafés, coworking spaces, and reliable internet access. Zagreb, Split, Zadar, and other established destinations have communities of international residents and location-independent professionals.
Croatia also has a temporary-stay pathway for qualifying digital nomads from outside the European Union, the European Economic Area, and Switzerland. Under current rules, approved temporary stays can be granted for up to 18 months. Applicants must satisfy official requirements regarding remote employment, documentation, insurance, income, and accommodation.
Overall, remote workers should check the latest immigration and tax requirements before relocating, since eligibility depends on individual circumstances.
10. Croatian Food is Fresh and Varied
Croatia’s geography and regional history inspire its cuisine. Coastal cooking features Mediterranean influences, seafood, olive oil, vegetables, and simple grilled dishes, while inland regions offer heartier foods influenced by Central European and Balkan traditions.
Local markets provide access to fruit, vegetables, bread, cheese, and other regional products. Different areas also have their own culinary specialties, giving domestic travel a chance to discover new dishes.
For expats, Croatia’s café and restaurant culture can turn eating into a social experience. Restaurant prices in major tourist areas can be noticeably higher than prices in neighbourhood establishments.
10. English is Common in Tourist and Urban Areas
Learning Croatian is important for integration, handling official matters, and forming deeper relationships in the community. Still, many expats find that English is spoken in popular tourist destinations, larger cities, and businesses serving international customers.
This can make the initial transition easier, especially in Zagreb and coastal cities. Challenges can still happen when dealing with the government administration, medical services, landlords, or businesses outside tourist areas. Learning basic Croatian phrases can make your daily life easier and shows respect for the local culture.
Important Considerations Before Moving to Croatia
While Croatia has many advantages, expat life also has its challenges. For example, bureaucratic processes could take time, salaries can be lower than in parts of Western Europe, and rental housing can be hard to secure during tourist season.
Before relocating, prospective residents should:
- Confirm the correct visa or residence permit.
- Research tax obligations
- Talk to an expert in visas for Croatia. One great source is Z&A.
- Arrange appropriate health insurance.
- Compare long-term rental options.
- Investigate local employment restrictions.
- Consider the differences between summer and winter.
- Visit the chosen city outside peak tourism season.
Applicants should consult Croatian authorities and qualified professionals for advice regarding their circumstances, as immigration, tax, and healthcare rules can change.
Healthcare in Croatia
Healthcare system in Croatia is on par with most developed countries. The country has universal health care, which covers citizens, but may not cover visitors or residents. If you are not covered by this plan, you will need to seek insurance from another source. Medical evacuation cover is encouraged and may be required for your visa.
If you require a quote for Croatia expat insurance, contact Expat Financial today for a quote and to discuss your Croatian insurance requirements.
