Investing in Croatia: Top Destinations for Senior Retirees

Published on September 29, 2025 and written by Cyril Jarnias

Croatia, an Ideal Destination for Senior Expatriates

Croatia, with its picturesque coastline and historic cities, is attracting an increasing number of senior expatriates seeking to enjoy a peaceful retirement. Known for its reasonable cost of living and high quality of life, Croatia offers numerous real estate investment options that appeal to retirees from around the world.

Whether in the vibrant city of Zagreb or on the sunny beaches of Dalmatia, the choices are extensive and varied. However, certain regions particularly stand out due to their growth potential and infrastructure tailored to seniors’ needs.

Where to Invest in Croatia for a Comfortable Retirement?

Through this article, discover where it’s wise to invest in Croatia to ensure a comfortable retirement while enjoying everything this country has to offer.

Moving to Croatia: Why European Seniors Are Drawn to It

Why European Seniors Are Drawn to Croatia for Relocation

Croatia is attracting more and more European seniors who wish to enjoy a pleasant, active, and affordable retirement. Several factors explain this enthusiasm:

Main Attractive Factors:

• Relatively Low Cost of Living
  Daily expenses (housing, food, transportation, leisure) are significantly lower than in many Western European countries, allowing retirees to maintain a good standard of living while managing their budget.
• Favorable Climate
  The Mediterranean climate on the coast (mild winters, sunny summers) and diverse landscapes provide a conducive environment for year-round well-being.
• Cultural Richness and Local Hospitality
  Croatia offers exceptional cultural heritage: historic cities, festivals, museums, local cuisine, and a population known for its warm welcome.

Lifestyle and Activities for Seniors

Lifestyle Assets	Examples of Activities and Benefits
Varied Landscapes	Seaside walks, hiking, natural parks
Human-Scale Cities	Active social life, markets, cafes
Local Cuisine	Tasting fresh products, typical restaurants
Cultural Life	Festivals, concerts, historical site visits
Gentle Sports Activities	Swimming, yoga, cycling

Healthcare Infrastructure for Expatriates

• European retirees benefit from facilitated coverage thanks to Croatia’s membership in the European Union.
• Two systems coexist: public (affordable, broad access) and private (more expensive but higher quality with modern equipment).
• Several health insurance options are available, allowing expatriates to adapt to their budget and specific needs.

Administrative Ease for Establishing in Croatia

• European nationals can settle, stay, and move freely in Croatia.
• Administrative procedures are simplified: just register with local authorities to obtain a long-term residence permit.
• The Franco-Croatian tax treaty avoids double taxation on pensions, a significant advantage for optimizing one’s tax situation.

Real Estate Investment Opportunities

• The Croatian real estate market remains attractive, with prices still affordable in many regions.
• Possibility to easily acquire a primary or secondary residence, with streamlined formalities for European citizens.
• Potential for appreciation and rental investment, especially in tourist areas.

Summary of Attractions for European Seniors

• Controlled Budget and Financial Security
• Exceptional Quality of Life, Mild Climate
• Rich Cultural Heritage and Vibrant Social Life
• Medical Offer Tailored to Retirees’ Needs
• Simplified Administrative Procedures
• Accessible and Promising Real Estate Market

Croatia, with its gentle way of life, natural and cultural richness, appeals to European seniors seeking well-being, security, and a dynamic living environment for their retirement.

The Best Cities for Retirees in Croatia

Attractiveness Criteria for Retirees in Croatia:

• Moderate Cost of Living: Croatian cities, even the most touristy ones, generally offer a cost of living lower than many Western European countries, allowing retirees to enjoy a pleasant setting without sacrificing their budget.
• Access to Healthcare: The healthcare system is a determining factor; major cities like Split, Dubrovnik, and Pula have modern hospitals, private clinics, and relatively easy access to specialists.
• Climate: The Croatian coast benefits from a mild Mediterranean climate, with moderate winters and sunny summers, particularly appreciated by seniors seeking comfort and well-being.
• Social and Cultural Activities: Coastal cities offer numerous events, clubs, and associations, promoting a dynamic social life and integration of foreign retirees.
• Safety: Croatia is recognized for its low crime rate, contributing to seniors’ peace of mind.
• Transportation Accessibility: Major cities have efficient bus networks, regional rail links, as well as ports and airports facilitating national and international travel.

City	Cost of Living	Climate	Healthcare	Social Activities	Safety	Transportation
Dubrovnik	High	Mediterranean	Very Good	Very Dynamic	Excellent	Bus, airport, ferry
Split	Moderate	Mediterranean	Good	Lively	Very Good	Train, bus, port
Pula	Moderate	Mediterranean	Good	Active	Very Good	Bus, airport

Focus on Cities:

• Dubrovnik: A UNESCO World Heritage city, it attracts for its heritage, quality medical infrastructure, and numerous cultural activities. Its historic charm and views of the Adriatic appeal to many retirees, although the cost of living is higher and tourist crowds are significant in summer.
• Split: The economic center of Dalmatia, Split combines urban dynamism, ancient heritage (Diocletian’s Palace), and green spaces (Marjan Park). The city offers modern infrastructure, many restaurants, cafes, clubs, and a highly appreciated seaside promenade. Hospitals and clinics are easily accessible.
• Pula: Located in Istria, Pula offers a more peaceful setting, known for its relaxed atmosphere, Roman amphitheater, and beaches. The cost of living is moderate, healthcare provision is satisfactory, and the city is well-served by transportation, including an international airport.

Infrastructure Adapted for Retirees:

• Adapted residences or single-level housing.
• Easy access to medical centers and pharmacies.
• Accessible and well-organized public transportation.
• Numerous parks and pedestrian walkways.

Testimonials and Experiences of Retirees:

“In Split, I found a perfect balance between urban life and tranquility. The local market is fantastic, medical care is accessible, and the climate is simply ideal.”

— Jean, 67 years old, French retiree

“Dubrovnik is magnificent, even if the high season can be hectic. Outside summer, the city becomes calm again, and services for seniors are excellent.”

— Monique, 72 years old, Belgian retiree

“In Pula, I enjoy a serene pace of life, proximity to the sea and nature. Here, everything is human-scale, which suits me perfectly.”

— Hans, 70 years old, German retiree

Key Takeaways:

Croatian coastal cities combine quality of life, safety, pleasant climate, and adapted infrastructure, making them prime destinations for an active and serene retirement.

Investing in Croatian Real Estate for Retirement

Potential Tax Benefits Related to Real Estate Purchase in Croatia

• No recurring property tax on real estate, which is rare in Europe and advantageous for retirees wishing to limit fixed expenses.
• Transfer tax reduced to 3% of the purchase price, well below rates in countries like France or Spain.
• Possible exemptions and tax incentives for certain types of investments (energy efficiency, new properties), especially if the property is purchased through an adapted local structure (e.g., Croatian company).
• Taxation on rental income is set at 24%, but there are tax treaties with several European countries allowing avoidance of double taxation.

Regions Favored by Senior Expatriates for Retirement

Region	Main Assets	Why It Attracts
Dalmatia	Picturesque coastline, mild climate	Sea views, peaceful life
Istria	Cuisine, cultural heritage	Strong Francophone community
Dubrovnik	Historic city, cosmopolitan ambiance	Developed medical services
Croatian Islands	Preserved nature, tranquility	Absolute calm

These regions offer a serene and secure living environment as well as easy access to tourist and medical infrastructure.

Types of Properties Available

• Seaside villas: breathtaking views of the Adriatic, private gardens
• Modern apartments in city centers: close to shops/services
• Traditional houses in the countryside: authentic charm
• New residences with collective amenities (pool/gym)

Coastal villas are particularly sought after for their seasonal rental potential.

Important Legal Considerations for Foreign Investors

Essential points to check before purchase:

• European Union nationals can freely acquire residential properties; outside the EU, certain restrictions persist depending on the type or location of the property.
• Mandatory verification of the land registry (“Zemljišna knjiga”) to ensure clear and dispute-free ownership.

List of main procedures:

• Mandatory notary signature
• Registration with the local tax office
• Possible obtaining of an OIB number (“Croatian tax number”)
• Recommended recourse to a specialized local lawyer

Costs Associated with Purchase and Property Maintenance

Indicative list of fees:

• Transfer tax: approx. 3% of the price
• Notary/lawyer fees: variable depending on complexity (generally between 0.5–1.5% of the price, sometimes more)
• Annual fees (garden/pool/maintenance): depends on type/property; no significant annual property tax (~€2–3 per m²/year)

Numerical example:
For a villa purchased at €600,000, transfer tax = €18,000, legal fees approximately €6,000 – €9,000, estimated annual maintenance ~€2,500–€4,500, depending on services.

Tips to Maximize Real Estate Investment Return in Croatia

Key points adapted to the current market:

Prioritize properties located in dynamic tourist regions, offering strong seasonal rental potential.

Strategic list:

• Invest in a new or renovated property allowing additional tax exemptions
• Optimize rental management through specialized local agencies
• Choose a location with easy access to medical/commercial amenities appreciated by senior expatriates

Current trends:
Demand remains high especially on the Adriatic coast; prioritizing sea-view villas or high-end apartments in cities allows continuous appreciation thanks to growing international tourism.

Professional local support – specialized lawyer & tax advisor – is strongly recommended to optimize your investment while securing each legal step.

Understanding the Cost of Living for Senior Expatriates in Croatia

The cost of living for senior expatriates in Croatia is among the lowest in Europe, allowing significant monthly savings compared to France or other similar European countries. Expenses vary depending on lifestyle, chosen region, and type of consumption.

Housing

• Rents remain affordable despite a recent increase.
• A 2-bedroom apartment in Zagreb typically costs between €380 and €550, depending on location.
• In city centers or tourist areas (Dubrovnik, Split), prices are higher; moving away from urban centers allows substantial savings.
• In rural areas or less touristy towns, it is possible to find even cheaper housing.

City	Monthly Rent 2BR (approx.)	Average Total Living Cost/Month
Zagreb	€380 – €550	~€624 excluding rent
Split	~€340 – €500	~€580 excluding rent
Dubrovnik	>€500, sometimes very high	>€650 excluding rent
Rural Areas	€250 – €400	~€500 excluding rent

By wisely choosing their region and consumption habits, it is entirely possible for a senior expatriate retiree in Croatia to optimize their budget while maintaining an excellent standard of living.