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Croatia is becoming more and more popular among expats looking to start a new chapter overseas. Croatia is known for its safety, architecture, affordable living costs, high standard of living, and slower pace of life compared to neighboring countries.
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Are you trying to find the best new niche in Croatia? Keep reading to find out our top recommendations for expats in Croatia!
In this article, we’ll point out the best spots for expats and special considerations for Americans living there.
Brief Overview Of Croatia For Expats
If you enjoy traveling, we have good news, Croatia is connected to other majestic European countries such as Slovenia in the north, Serbia in the east, and Italy. Croatia is the perfect destination for expats seeking adventures a little off the beaten path.
City centers are a great choice with many shops and transportation at your convenience. However, living in the suburbs is sometimes a better option with more affordable rental costs and a larger home.
The weather and climate in Croatia are ideal for expats who are used to colder climates. However, those relocating from hotter countries will also enjoy the weather. If you like hot, dry summers, the temperature range of 79 to 86 degrees Fahrenheit. Winters can be cold, with average highs of 41 degrees Fahrenheit and occasionally lows below zero.
Zagreb
Welcome to Croatia’s capital, Zagreb. If you enjoy city life with many restaurants and cafes to choose from, and a good nightlife scene, this is a good fit for you. There are 17 districts in the city, and it is divided into two zones called the Upper Town and Lower Town.
Zagreb has beautiful architecture. Also, there are many job opportunities, schools, and good healthcare.
Social & Vibrant City
Zagreb is known for having many restaurants, and bars. However, cafes play a big part in the city and the culture. You’ll come across locals enjoying their cup of joe, either alone or with someone in their circle. In addition to cafes, there are lots of wineries and breweries that make premium drinks.
There are several events held in Zagreb throughout the year, mainly music and film festivals. If you love music, the INmusic festival is for you. If you’re into movies, the Zagreb Film Festival is for local Croatian and international movies.
Sports
Locals are huge sports fans, with ice hockey, basketball, and football all being popular. If you are into sports, you will feel right at home – Dinamo Zagreb, the most thriving football team in the city. KK Cibona has achieved much success in basketball after winning consecutive titles from 1992 to 2002.
Transportation
The Zagrebaki-Elektrini Tramvaj, or ZET, is the main public transportation system. It mainly comprises buses and trams that connect through the city and expand to nearby cities like Velika Gorica, where the airport is. The system can serve everyone in the city with over 100 buses and 19 tram lines. Additionally, Zagreb is a very walkable city, making it possible to live or visit without a car.
Work, Healthcare, and Schools
Expats who want a fresh start in Zagreb would be pleased to know there are many opportunities up for grabs. You can find many opportunities in accounting and finance, human resources, teaching, and healthcare positions.
There are many good private hospitals and international schools, making it a high-standard-of-living city.
Split
Croatia’s second-largest city, Split, is a favorite destination for expats, tourists, and locals. It is a combination of modern and traditional Europe. Many expats live in Split, making it suitable for expats wanting to move here.
Split consistently ranks among the top Croatian cities to live in. There are great places to visit, and the city’s natural beauty is incredible. In terms of climate, it’s a comfortable city to live in as the temperatures are well-balanced.
Things To Do
On your day off, you can stop by one of the many galleries and museums, explore the breathtaking beaches, or go hiking or cycling in the mountainous regions. There are also plenty of fantastic dining options and coffee shops to pick from.
Transportation
Split has a good public bus network that covers the entire city, suburbs, and small towns. The buses operate from the early hours to late at night, and only a few buses are available post-midnight.
Split’s bus terminal, port, and train station are all conveniently located close to one another. Keep in mind that the city center has small, narrow roads where the only permitted mode of travel is on foot.
The other option is to rent a bike, which you can do at a number of local travel agencies or use one of the many free bicycles that are parked throughout the city. It is the best mode of transportation if you want to visit several attractions.
Dubrovnik
Are you looking for a warm, laidback city by the sea with culture, history, and attractions? Do you prefer a slower pace of life? Dubrovnik is for you. Expats would love to reside here and call it home.
If you’ve seen Game of Thrones, then you’ll be interested in Dubrovnik. The popular and successful HBO series is filmed in the city, which is primarily for the exteriors of King’s Landing, the capital of Westeros.
Arts
If you have seen Game of Thrones, you can imagine why Dubrovnik stands out from the rest of the cities in Croatia. You will feel like you have stepped into the past with its architecture.
Art lovers and euthenics would love spending time in Dubrovnik. The city has many art galleries, studios, and exhibitions showcasing work from artists in Croatia and internationally.
Relaxed Lifestyle
Expats would like the laid-back lifestyle in Dubrovnik. Locals love their Mediterranean life with delicious food, drinks, and time with friends and family. The locals are also friendly and welcoming, making it an ideal place to settle.
If you’re considering moving here with your family, you can have peace of mind since the crime rate is low with good education options as well as a good healthcare system.
Transportation
The fantastic bus service makes it simple to get around Dubrovnik. The majority of bus routes start their service at 6 am and run until late at night.
Most parts of the city, including Old Town and other landmarks and attractions, require walking rather than taking public transportation. Some locations have cobblestone streets, but they also have small hills or stairways that can only be accessible by walking.
Osijek
Osijek is the fourth-largest city in Croatia. It’s the social and economic center of the Slavonia area. Slavonia has mountains, plains, and rivers, and it has a mild climate with temperatures between 32F and 77F. Osijek might be the best place to live in Croatia if you don’t want to be near the sea or in the busy capital, Zagreb.
Lively Culture And Music Scene
Osijek has a vibrant cultural history with a wide range of attractions, museums, and music festivals for expats to enjoy.
One of their landmarks, Tvrda Fortress, is a part of the UNESCO World Heritage list. Other attractions include The Osijek Cathedral, the Water Tower, and Ante Starevi Square.
The Osijek Summer Nights Festival, held in August, offers a variety of musical events, plays, and visual arts exhibits. There are other events held in Osijek, too, including Pannonian Challenge Music Festival, and Osijek Street Festival.
Transportation
The most common mode of transportation is by bus. It covers most parts of the city, so you can have peace of mind if you decide to rent or buy a place in the suburbs. If you don’t prefer buses, trams are available at the same rate as buses.
Great Outdoors
If you’re someone who loves being outdoors, Osijek is a great choice. Expats can go biking, hiking, or take part in water sports. Also, the city is popular for its nature. There are a few beautiful parks expats can visit and relax at.
Rijeka
Do you prefer to live in a quiet, peaceful, and laid-back city? Then, Rijeka should be on your list. Due to its low cost of living and great atmosphere, Rijeka is a fantastic city for expat families.
Rijeka has lovely beaches, a lovely old town with stunning architecture, and a majestic castle. It’s charming and beautiful in its own way. In terms of business and trade, Rijeka plays a major role in Croatia.
The Rijeka Carnival
Rijeka holds its annual carnival celebration every year. The long-standing history of the carnival continues each year. It is famous for its vibrant atmosphere, fancy costumes, and colorful parades.
Transportation
KD Autotrolej manages the city’s public transportation system. The orange color of the buses makes them easy to spot.
There are 19 lines in total divided into 4 zones throughout the city. There are 6 types of tickets: One-way, two-way, daily, weekly passes, monthly and annual passes.
Zadar
For people who value history and culture, the city is a well-preserved ancient town with Roman foundations, medieval churches, and Venetian architecture. Zadar is known for its stunning beaches, making it a great destination for anyone who likes to be involved in outdoor activities.
A number of large national parks and a memorable historic center are all located in Zadar. The Romans and Venetians ruled the city, and their influences can be clearly seen in the city’s architecture.
History And Heritage
Zadar is a perfect image of ancient European culture. Many of its most striking attractions can be found in the Old Town. You can experience centuries in a matter of seconds by simply walking about, from the first Emperor Augustus’s vision of the Roman Forum to the spectacular dome of the Church of Saint Donatus from the ninth century.
Beautiful Location
Zadar is located on the Adriatic Sea and provides amazing views of the ocean and islands. The Roman Forum, the Cathedral of St. Anastasia, and the Sea Organ are just a few of the important historical and cultural sites in Zadar. Expats who live in Zadar can take advantage of the city’s vibrant culture, Mediterranean climate, and beautiful surroundings.
Transportation
There are 12 city bus lines in Zadar, making buses the main choice for public transportation. They run from 5 in the morning to midnight, with an hourly extension in the summer to 1:00 am.
Pula
Want to be by one of the nicest beaches? Find it in Pula, which is located at the southernmost point of the Istrian peninsula. The town’s marketplace was built in the late 19th century and is a great example of Vienna’s Secession architecture. The town also has a variety of historical landmarks and lovely Roman architecture.
The Pula Colosseum, a Roman amphitheater, is the city’s most well-known landmark. It has been well-preserved and now hosts summer events, including concerts and festivals.
Beaches
The Adriatic Sea borders Pula, and the region is home to a variety of stunning beaches with crystal-clear waters and soft white sand. Each beach, whether it’s Verudela, Stoja, or Ambrela, has a special vibe and charm.
Transportation
Pulapromet oversees Pula’s bus network. There are 8 lines in total. The commute is split into 3 zones. The first zone includes Pula, while the second completes the circle by covering Medulin, Vodnjan, Lonjana, Premantura, and Peroja. Barbariga is the third zone in the system.
There is an option for Contactless tickets. It is beneficial if you intend to live in Pula for a longer period and regularly use public transportation.
Opatija
Welcome to Opatija, often dubbed the “Pearl of the Adriatic.” This charming coastal town has long been a favorite among expats who appreciate a refined, relaxed lifestyle paired with stunning seaside views.
Historic Elegance & Modern Comfort
Opatija effortlessly blends its rich history with modern amenities. The town’s elegant villas, historic promenades, and lush parks offer expats an atmosphere that is both sophisticated and inviting. Enjoy long walks along the Lungomare seaside promenade, or take in the vibrant café culture that fills the charming streets.
Wellness & Recreation
Famed for its mild climate, Opatija provides a perfect backdrop for outdoor activities—whether it’s cycling along scenic routes or relaxing on the pebble beaches. Wellness retreats and spas add an extra layer of luxury, making it an ideal spot for expats seeking balance and rejuvenation.
Transportation & Connectivity
Opatija is well connected by bus services that link the town to Rijeka and other regional hubs. Its compact size also makes it incredibly walkable, so you can easily enjoy the town’s offerings without the need for a car.
Šibenik
Discover Šibenik, a coastal gem steeped in history and local charm. This underrated town offers a vibrant mix of ancient fortresses, narrow streets, and a bustling arts scene perfect for expats looking for an authentic Croatian experience.
Heritage & Cultural Vibrancy
Šibenik’s historical allure is best seen in its UNESCO-listed Cathedral of St. James and the ancient city walls. The town hosts numerous cultural events and music festivals, inviting expats to immerse themselves in local traditions and creative energy.
Leisure & Lifestyle
If you enjoy exploring winding alleyways, quaint markets, and scenic harbor views, Šibenik has plenty to offer. Its coastal location means access to beautiful beaches, while local bistros and wine bars bring people together over Croatian delicacies.
Getting Around
Public buses and pedestrian-friendly streets make exploring Šibenik simple and stress-free. Its central location along the Dalmatian coast also provides easy access to nearby islands and other coastal towns.
Varaždin
Step into Varaždin, a picturesque city in northern Croatia known for its Baroque architecture and thriving cultural scene. Ideal for expats seeking a mix of small-town charm and urban amenities, Varaždin is a hidden treasure in a region rich in history.
Architectural & Cultural Delights
Wander through beautifully preserved streets lined with pastel-colored buildings, lively squares, and historical monuments. Varaždin is renowned for its annual festivals, including the vibrant Špancirfest, which brings together music, art, and culinary delights.
Lifestyle & Community
This city offers a welcoming atmosphere with modern conveniences, excellent local schools, and quality healthcare facilities. Its blend of historical ambiance and contemporary culture creates a dynamic community where tradition meets progress.
Ease of Transport
The city’s efficient bus network and compact urban layout make getting around a breeze. For expats, the convenient transportation and close-knit community add to Varaždin’s appeal as a long-term home.
Poreč
Welcome to Poreč, a picturesque town on the Istrian peninsula that captivates expats with its rich history and Mediterranean charm. Known for its ancient Roman architecture and vibrant tourism, Poreč offers an enriching lifestyle for those seeking a relaxed yet culturally engaging environment.
Ancient History & Modern Flair
Poreč’s crown jewel is the Euphrasian Basilica, a UNESCO World Heritage site that stands as a testament to the town’s storied past. Alongside its historical treasures, Poreč is bustling with contemporary cafes, art galleries, and bustling local markets.
Coastal Living & Leisure
Embrace the outdoor lifestyle with numerous beaches, waterfront promenades, and recreational activities that cater to all interests—from water sports to leisurely strolls along the coastline. Poreč’s temperate climate and scenic beauty make every day feel like a vacation.
Navigating the Town
A well-organized public transportation system coupled with pedestrian-friendly streets ensures that you can explore every corner of Poreč with ease. This blend of convenience and history makes Poreč a compelling choice for expats.
Makarska
Introducing Makarska, a vibrant coastal town known for its breathtaking beaches and dramatic mountain backdrop. This destination offers a balanced mix of modern urban life and natural beauty—perfect for expats eager to embrace both adventure and relaxation.
Scenic Beauty & Dynamic Culture
Makarska boasts crystal-clear waters, sandy beaches, and a picturesque skyline dominated by the Biokovo mountain range. The town’s lively markets, cultural festivals, and buzzing nightlife scene make it a dynamic hub for both locals and expats alike.
Active Lifestyle & Outdoor Adventures
For those who love the outdoors, Makarska is a paradise. From water sports and boat trips to hiking and mountain biking, there’s no shortage of activities to keep you engaged. The town’s active community and friendly locals further enhance its appeal as a lifestyle destination.
Convenient Transportation
Makarska’s compact town center is perfect for exploring on foot, while reliable bus routes connect the town to surrounding regions. Whether you’re commuting for work or leisure, the well-established transport system ensures you stay connected.
Conclusion
Croatia has many great cities for expats. Each city has its own character and charm. Expats looking for a comfortable lifestyle with nice beaches, good healthcare facilities, great weather, and affordable cost of living should consider Croatia as their new home.
As an expat, you can settle in the country comfortably without any hassle. However, if you are unsure about Croatia, Belgium or Norway is another great option.
If you are looking for more options in Europe, then be sure to check our comprehensive guide on the best places for expats in Europe.
Note: Remember to secure a comprehensive international health insurance plan before you move. While it may be challenging to understand the healthcare system in the country you plan to move to, you can always get in touch with Pacific Prime to get an expert opinion.
Pacific Prime has over 20 years of experience in the insurance industry and has helped over thousands of expats secure health insurance plans. Get in touch today for unbiased advice or a free quote.
FAQ
Would Croatia be a suitable destination for expatriates?
Croatia can be a suitable destination for expatriates. It has a favorable climate, stunning natural beauty, a rich cultural heritage, and a good standard of living.
What is the cost of living in Croatia for a comfortable lifestyle?
It all depends on your personal preferences and lifestyle choices. It will all affect how much it costs to live comfortably in Croatia. Generally speaking, Croatia is often an affordable place to live.
Which areas in Croatia are preferred by expats for a living?
The areas preferred by expats in Croatia can vary depending on personal preferences. Some popular destinations among expats are Zagreb, Dubrovnik, Split, and Rijeka. These areas offer a good quality of life, attractions, and cost of living.
What is the duration of stay for expats in Croatia?
Expats can stay in Croatia for up to 90 days within a six-month period without a visa. For a longer stay, a visa or residence permit is required. The duration of stay for expats can vary depending on the type of visa or permit obtained.
Is it possible to reside in Croatia without knowing the local language?
While knowing the local language is certainly helpful for daily life in Croatia, it is possible to live in Croatia without knowing Croatian. English is widely spoken and understood, especially in tourist areas. Many expats also enroll in language classes to learn Croatian.
Jantra curates and reports on the results of Pacific Prime’s monthly newsletters, as well as manages Pacific Prime’s Deputy Global CEO’s LinkedIn posts. Complemented by her background in business writing, Jantra’s passion for health, insurance, and employee benefits helps her create engaging content – no matter how complex the subject is.
Growing up as a third-culture kid has given her a multicultural perspective that helps her relate to expats and their families while 8 years of working remotely have given her unique insight into hybrid work arrangements and enthusiasm for employee benefits.
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