Investment property in Croatia: what to buy and what it costs

Want to buy property abroad? A manager will select properties for your budget and check the deal before registration. Find a property

Updated 23 October 2026

For sale · Karlovac, Banija district

Two-room apartment in Banija district

$111,500 (99,500 euros)

50 m² · 2 rooms

A 50 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony in Banija in south-eastern Karlovac, with buses to the centre and the station, schools and shops. Karlovac is a town on four rivers 50 km from Zagreb with a university of applied sciences and factories, the motorway to the capital takes about 40 minutes, and apartments here are rented by young families and people who work in Zagreb.

The most affordable entry

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For sale · Osijek, Sjenjak district

Two-room apartment in Sjenjak district

$112,700 (100,600 euros)

55 m² · 2 rooms

A 55 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony in Sjenjak south of the centre of Osijek, with trams to the centre and the university campus, schools and shops. Osijek is the largest city of Slavonia, on the Drava river, with a university of about 17,000 students, and small apartments here are rented by students and lecturers all year round.

For letting to students

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For sale · Varaždin, Banfica district

Two-room apartment in Banfica district

$130,900 (116,800 euros)

50 m² · 2 rooms

A 50 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony in Banfica in western Varaždin, with buses to the centre and the station, schools and shops. Varaždin is a baroque town in the north of the country with the University of Zagreb's faculty of informatics and IT companies, and apartments here are rented by students and programmers.

Near the university

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For sale · Pula, Šijana district

Two-room apartment in Šijana district

$147,600 (131,700 euros)

50 m² · 2 rooms

A 50 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony in Šijana in eastern Pula, by a pine forest, with buses to the centre and the port, schools and shops. Pula is the largest city of Istria with a port, a university and a hospital, and apartments here are rented all year round by students, doctors and port staff.

Istria by the sea

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For sale · Velika Gorica, Kurilovec district

Three-room apartment in Kurilovec district

$179,600 (160,300 euros)

65 m² · 3 rooms

A 65 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Kurilovec in Velika Gorica, with buses to the centre and the station, schools and kindergartens. Velika Gorica is the town next to Zagreb airport, the train to central Zagreb takes about 20 minutes, and apartments here are rented by families who work in Zagreb and at the airport.

For letting to families

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For sale · Rijeka, Zamet district

Two-room apartment in Zamet district

$185,600 (165,600 euros)

55 m² · 2 rooms

A 55 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony with a view of the Kvarner Gulf in Zamet in western Rijeka, with buses to the centre, schools and a sports hall. Rijeka is the country's largest port with a university and a teaching hospital, and apartments here are rented by students, doctors and port staff.

The country's largest port

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For sale · Split, Pujanke district

Two-room apartment in Pujanke district

$244,300 (218,000 euros)

50 m² · 2 rooms

A 50 m² two-room apartment - a living room with a kitchen and a bedroom, and a balcony in Pujanke in eastern Split, with buses to the centre and Žnjan beach, schools and shops. Split is the country's second city with a university and the largest passenger port, and apartments here are rented all year round by students, young professionals and families.

The country's second city

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For sale · Zagreb, Dubrava district

Three-room apartment in Dubrava district

$249,400 (222,600 euros)

70 m² · 3 rooms

A 70 m² three-room apartment - a living room and two bedrooms, a kitchen and a balcony in Dubrava in eastern Zagreb, with trams to the centre, next to a teaching hospital, schools and parks. Zagreb is the country's largest rental market, and three-room apartments here are rented by families and hospital doctors.

An apartment in the capital

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Want to buy property abroad? A manager will select properties for your budget and check the deal before registration. Find a property

What properties investors buy in Croatia

Above are the most interesting offers selected by our experts. The manager will find a property that fits your requirements.

Apartments for sale in Zagreb, Split, Rijeka, Pula, Velika Gorica, Varaždin, Osijek and Karlovac, rental yield, taxes, transaction costs and the purchase rules for foreigners.

A citizen of the European Union buys an apartment in Croatia without restrictions, and a buyer from another country buys on the basis of reciprocity between the countries and with the consent of the Minister of Justice, or through a Croatian company. According to the Ministry of Physical Planning, Construction and State Assets, in 2025 apartments in Zagreb sold for an average of $3,270 per m², in Split for $4,560 and in Osijek for $1,870, and in the first quarter of 2026 housing in the country cost 14.3% more than a year earlier. A two-room apartment in Karlovac can be bought for $111,500, in Rijeka for $185,600, and long-term letting brings from 3.4% a year before tax in Split to 5.2% in Osijek, 4.8% in Zagreb.

On this page: two-room apartments in Karlovac, Osijek, Varaždin, Pula, Rijeka and Split, three-room apartments in Velika Gorica and Zagreb, prices by city, rental yield, taxes, transaction costs and the purchase rules. In Croatia the living room counts as a room: a two-room apartment is a living room with a kitchen and a bedroom. Resale apartments are subject to a 3% real estate transfer tax, while new builds from a developer are sold with 25% VAT in the price and without this tax. The manager will confirm what is for sale today and the exact price.

The market in brief

Market entryfrom $111,500 (two-room apartment in Karlovac)

Average apartment price in Zagrebabout $3,270 per m² (2025)

Rental yieldfrom 3.4% a year before tax in Split to 5.2% in Osijek, 4.8% in Zagreb

Buying rulescitizens of countries outside the European Union - on reciprocity and with the consent of the Minister of Justice

Purchase costsa 3% real estate transfer tax on the market value

Prices and rules as of 2026.

How much an apartment in Croatia costs in 2026

Housing prices in Croatia are quoted in euros. According to the Ministry of Physical Planning, Construction and State Assets, in 2025 the most expensive apartments were in Split - an average of $4,560 per m², in Dubrovnik $4,390 and in Zagreb $3,270. In Rijeka an apartment costs an average of $3,150 per m², in Pula $2,750, in Varaždin $2,380, and in Osijek $1,870, half the price of Split. Prices rose over the year in every large city: in Zagreb by 8.8%, in Split by 14.0%, in Karlovac by 29.2%. According to the Croatian Bureau of Statistics, in the first quarter of 2026 housing in the country cost 14.3% more than a year earlier.

City	Average apartment price per m²	Prices year on year
Split	~$4,560	+14.0%
Dubrovnik	~$4,390	+21.5%
Zagreb	~$3,270	+8.8%
Zadar	~$3,220	+12.5%
Rijeka	~$3,150	+13.8%
Pula	~$2,750	+13.3%
Šibenik	~$2,730	+36.9%
Velika Gorica	~$2,520	+9.9%
Varaždin	~$2,380	+16.0%
Karlovac	~$2,030	+29.2%
Osijek	~$1,870	+12.6%

Ministry of Physical Planning, Construction and State Assets data on median apartment transaction prices for 2025; «Prices year on year» is the change against 2024. Euros converted at the European Central Bank rate of 1.1205 dollars per euro on 22 October 2026, dollars rounded.

What yield letting brings

The gross yield of long-term letting is from 3.4% a year before tax in Split to 5.2% in Osijek, 4.8% in Zagreb. Under the leases registered with the tax administration in 2025, apartments were let for an average of 12.8 euros per m² a month in Zagreb, 12.3 euros in Split, 10.4 euros in Rijeka and 8 euros in Osijek. A 70 m² three-room apartment in Dubrava lets for about $1,000 a month, a 50 m² two-room apartment in Split for $690, a 55 m² one in Rijeka for $640 and in Osijek for $490. A lease is signed in writing and filed with the tax administration; two-room apartments near universities are rented by students and young professionals, three-room apartments by families.

Tax	Rate
Long-term letting	12% of income after a 30% standard deduction for expenses, effectively 8.4% of the rent
Selling the apartment	24% of the gain on a sale within 2 years of purchase, unless the apartment was your home; later - no tax
Annual	property tax of 0.60-8 euros per m² a year if nobody lives in the apartment permanently and it is not let long-term; no tax with a long-term let

Data for 2026: yield for the cities in the cards; the country comparison is in the rental yield table.

A non-resident also pays tax on rent in Croatia, and the taxes of your own country are counted separately. An apartment let long-term is exempt from the annual property tax, while daily letting to tourists is a separate regime with a fixed tax per bed and a permit for the apartment. Rates and examples are on the taxes in Croatia page.

What costs to add to the property price

Payment	Amount
Real estate transfer tax	3% of the market value of a resale apartment; new builds from a developer are sold with 25% VAT in the price and without this tax
Notary and land register	certification of the signatures and the entry of the title in the land register - at set fees, usually a few hundred euros
Broker	a commission under the agreement, usually 2-3% of the price, if a broker found the apartment
Declaration	the purchase is declared to the tax administration within 30 days of the contract, and the tax administration issues the tax assessment itself

Data for 2026. For a $185,600 apartment in Rijeka the transfer tax comes to about $5,570; the lawyer, document translation and bank transfer fees are paid separately. The manager calculates the total for a specific property.

In Croatia the title and the legality of the building are checked before the contract

Mistakes cost more than the deal: a house without a building permit, discrepancies between the land register and the cadastre, a contract without a clause on the minister's consent, a refusal of consent for your citizenship. Murblz support removes these risks: we select an apartment for your budget and goal, check the extracts and the legality of the building, choose the form of purchase - in your own name or through a company, calculate tax and yield, agree the payment route and handle the deal until the title is entered in your name.

The cost of support depends on the purchase budget and the goal - letting or a home for yourself; the manager will calculate it in the chat.

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Buying on reciprocity and with the consent of the Minister of Justice for citizens of countries outside the European Union

Citizens of European Union countries buy an apartment in Croatia without restrictions, while a buyer from another country needs reciprocity between the countries and the prior consent of the Minister of Justice: the ministry keeps a list of countries where Croatians buy property on the same terms. The second route is buying through a Croatian company: the minister's consent is then not needed, and the company keeps the apartment for letting on its books. Agricultural land is closed to foreigners. The contract is signed before a notary, the title is entered in the land register, and before the deal we check the land register and cadastre extracts and the building permit of the house.

Buying an apartment does not give a residence permit: Croatia has no golden visa, and status is obtained through work, study, business, family or as a digital nomad. The bank and the notary check the source of the buyer's funds, so we agree the payment route before the contract. The conditions for moving are on the residence in Croatia page, and the manager will send a selection of apartments for your goal to the chat.

How we select a property

Budget and goal: letting or a home for yourself. The manager confirms the city, the district and the form of purchase - in your own name or through a Croatian company.
Buyer documents: passport, a personal identification number from the tax administration, proof of the source of funds and the application for the consent of the Minister of Justice for a buyer from outside the European Union.
A selection of real properties and checks: land register and cadastre extracts, mortgages and debts, the building permit or the legalisation decision for the house - before the preliminary contract.
The deal: a preliminary contract with a deposit, the minister's consent, the main contract before a notary, the entry of the title in the land register and payment of the 3% tax.

The manager sends the selection to the chat, with sellers' prices on the date of the selection.

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Options in other countries

Investment property in other countries:

FAQ

How much does an apartment in Croatia cost in 2026?

A two-room apartment in Karlovac costs $111,500, in Osijek $112,700, in Rijeka $185,600 and in Split $244,300, and a three-room apartment in Zagreb $249,400. In 2025 apartments in Zagreb sold for an average of $3,270 per m², in Split for $4,560.

Can a foreigner buy an apartment in Croatia?

Yes. Citizens of the European Union buy without restrictions, buyers from other countries - on reciprocity between the countries and with the consent of the Minister of Justice, or through a Croatian company. Agricultural land is closed to foreigners.

Does buying property give residence in Croatia?

Buying does not give a residence permit, and Croatia has no golden visa. Status is obtained through work, study, business, family or as a digital nomad, and an apartment for letting is bought without moving.

What yield does letting an apartment in Croatia bring?

From 3.4% a year before tax in Split to 5.2% in Osijek, 4.8% in Zagreb. Long-term rent is taxed at 12% of income after a 30% deduction for expenses, effectively 8.4% of the rent.

What tax is paid when buying property in Croatia?

A 3% real estate transfer tax on the market value of a resale apartment. New builds from a developer are sold with 25% VAT in the price, and the 3% tax is not charged on them.

What are the costs of buying property in Croatia?

The 3% tax, the notary and the land register entry at set fees, a broker - usually 2-3% of the price if the broker found the apartment, a lawyer and document translation. For a $185,600 apartment in Rijeka the tax comes to about $5,570.

Is property tax paid in Croatia?

Since 2025 - 0.60-8 euros per m² a year if nobody lives in the apartment permanently and it is not let long-term. An apartment let long-term is exempt from this tax.

Where to buy an apartment for investment in Croatia?

Osijek, Karlovac and Velika Gorica - for market entry from $111,500 and a yield of 4.7-5.2%: apartments here are rented by students and by families who work in Zagreb. Zagreb - for letting on the country's largest market with a yield of 4.8%.

Investment property in Croatia: what to buy and what it costs

Two-room apartment in Banija district

Two-room apartment in Sjenjak district

Two-room apartment in Banfica district

Two-room apartment in Šijana district

Three-room apartment in Kurilovec district

Two-room apartment in Zamet district

Two-room apartment in Pujanke district

Three-room apartment in Dubrava district

What properties investors buy in Croatia

How much an apartment in Croatia costs in 2026

What yield letting brings

What costs to add to the property price

Buying on reciprocity and with the consent of the Minister of Justice for citizens of countries outside the European Union

How we select a property

Options in other countries

FAQ

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