🇭🇷 Croatia

Buying Property in Croatia: A Guide for Foreign Buyers

Apartments in Croatia cost from €2,900 to €2,900 per m² across the cities we track. Expect to pay another 5–8% of the price in taxes and fees.

Can foreigners buy property in Croatia?

EU buyers free; non-EU buyers may need a permit

EU citizens buy on the same terms as Croatians. Non-EU buyers need approval from the Ministry of Justice, granted on the basis of reciprocity; agricultural land is excluded.

Tax ID you'll need: OIB

How to buy, step by step

  1. 1Obtain an OIB and check the land register and cadastre
  2. 2Sign a pre-contract and pay a deposit (often 10%)
  3. 3Apply for Ministry of Justice approval if a non-EU buyer
  4. 4Sign the purchase contract with notarised signatures
  5. 5Register ownership in the land register
  6. 6File and pay the transfer tax within 30 days

What it costs

A 60 m² apartment in Zagreb at the average €2,900/m² costs about €174,000. Purchase taxes and fees add roughly €8,700–€13,920. Full breakdown of Croatia property taxes and costs.

Zagreb€2,900/m² · gross yield 4.6%

Mortgages and residency

Approx. 50–70% LTV for non-residents.

Frequently Asked Questions

Can foreigners buy property in Croatia?↓
EU citizens buy on the same terms as Croatians. Non-EU buyers need approval from the Ministry of Justice, granted on the basis of reciprocity; agricultural land is excluded.
How much are buying costs in Croatia?↓
Typically 5–8% of the purchase price for a resale apartment, including transfer tax, notary or legal fees and registration.
How much does an apartment cost in Croatia?↓
Average prices range from €2,900/m² to €2,900/m² across 1 cities; in Zagreb a 60 m² apartment costs about €174,000.
Can non-residents get a mortgage in Croatia?↓
Approx. 50–70% LTV for non-residents.
Property prices in Croatia →Apartments for sale in Croatia →Rental yield calculator →

Last reviewed 2026-10. General information, not tax or legal advice: rates change and often depend on region and buyer status, so confirm with a local notary, lawyer or tax adviser. Sources: Croatian Tax Administration: Real estate transfer tax, CMS: Croatia tax law changes in 2025.