Cost of Living in Zagreb

Summary about cost of living in Zagreb:

Restaurants [ Edit ] Range
Meal, Inexpensive Restaurant 50.00 kn 40.00-60.00
Meal for 2 People, Mid-range Restaurant, Three-course 250.00 kn 200.00-300.00
McMeal at McDonalds (or Equivalent Combo Meal) 39.00 kn 35.00-45.00
Domestic Beer (1 pint draught) 15.00 kn 15.00-18.00
Imported Beer (12 oz small bottle) 18.00 kn 15.00-20.00
Cappuccino (regular) 11.22 kn 10.00-13.00
Coke/Pepsi (12 oz small bottle) 14.41 kn 10.00-16.00
Water (12 oz small bottle) 10.10 kn 6.00-12.00
Markets [ Edit ]
Milk (regular), (1 gallon) 23.54 kn 18.93-26.50
Loaf of Fresh White Bread (1 lb) 5.54 kn 4.54-7.26
Rice (white), (1 lb) 5.54 kn 3.54-9.07
Eggs (regular) (12) 14.67 kn 12.00-18.00
Local Cheese (1 lb) 25.09 kn 18.60-36.29
Chicken Breasts (Boneless, Skinless), (1 lb) 23.69 kn 17.24-27.22
Beef Round (1 lb) (or Equivalent Back Leg Red Meat) 28.31 kn 22.68-36.29
Apples (1 lb) 3.90 kn 3.18-4.54
Banana (1 lb) 5.01 kn 4.54-5.44
Oranges (1 lb) 4.38 kn 3.63-5.90
Tomato (1 lb) 4.99 kn 3.63-6.80
Potato (1 lb) 2.62 kn 1.81-3.63
Onion (1 lb) 2.61 kn 1.81-3.63
Lettuce (1 head) 5.93 kn 4.00-8.00
Water (1.5 liter bottle) 6.58 kn 5.50-8.00
Bottle of Wine (Mid-Range) 40.00 kn 30.00-55.00
Domestic Beer (0.5 liter bottle) 7.60 kn 6.50-10.00
Imported Beer (12 oz small bottle) 10.59 kn 8.00-15.00
Cigarettes 20 Pack (Marlboro) 30.00 kn 28.00-30.00
Transportation [ Edit ]
One-way Ticket (Local Transport) 4.00 kn 4.00-10.00
Monthly Pass (Regular Price) 360.00 kn 350.00-360.00
Taxi Start (Normal Tariff) 10.00 kn 6.00-15.00
Taxi 1 mile (Normal Tariff) 9.66 kn 8.05-9.66
Taxi 1hour Waiting (Normal Tariff) 40.00 kn 40.00-41.00
Gasoline (1 gallon) 38.11 kn 37.10-40.96
Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car) 140,000.00 kn 129,650.00-160,000.00
Toyota Corolla 1.6l 97kW Comfort (Or Equivalent New Car) 141,530.77 kn 130,000.00-164,153.00
Utilities (Monthly) [ Edit ]
Basic (Electricity, Heating, Cooling, Water, Garbage) for 915 sq ft Apartment 1,281.82 kn 944.44-1,841.67
1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans) 0.75 kn 0.30-1.00
Internet (60 Mbps or More, Unlimited Data, Cable/ADSL) 156.82 kn 120.00-200.00
Sports And Leisure [ Edit ]
Fitness Club, Monthly Fee for 1 Adult 264.71 kn 200.00-300.00
Tennis Court Rent (1 Hour on Weekend) 71.00 kn 50.00-120.00
Cinema, International Release, 1 Seat 35.00 kn 35.00-40.00
Childcare [ Edit ]
Preschool (or Kindergarten), Full Day, Private, Monthly for 1 Child 1,120.37 kn 600.00-2,500.00
International Primary School, Yearly for 1 Child 30,675.00 kn 18,000.00-80,000.00
Clothing And Shoes [ Edit ]
1 Pair of Jeans (Levis 501 Or Similar) 546.82 kn 400.00-700.00
1 Summer Dress in a Chain Store (Zara, H&M, ...) 221.65 kn 150.00-300.00
1 Pair of Nike Running Shoes (Mid-Range) 554.10 kn 449.00-700.00
1 Pair of Men Leather Business Shoes 626.92 kn 450.00-959.11
Rent Per Month [ Edit ]
Apartment (1 bedroom) in City Centre 3,375.55 kn 2,500.00-4,426.64
Apartment (1 bedroom) Outside of Centre 2,347.91 kn 1,623.10-3,000.00
Apartment (3 bedrooms) in City Centre 5,559.56 kn 4,000.00-7,377.74
Apartment (3 bedrooms) Outside of Centre 3,831.44 kn 3,000.00-5,000.00
Buy Apartment Price [ Edit ]
Price per Square Feet to Buy Apartment in City Centre 1,746.87 kn 1,393.53-2,090.30
Price per Square Feet to Buy Apartment Outside of Centre 1,201.83 kn 959.57-1,393.53
Salaries And Financing [ Edit ]
Average Monthly Net Salary (After Tax) 6,547.03 kn
Mortgage Interest Rate in Percentages (%), Yearly, for 20 Years Fixed-Rate 4.15 3.40-5.00

Prices in Zagreb

These data are based on 4244 entries in the past 12 months from 418 different contributors.
Last update: July 2019
Sources and References: Info
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24 Comments so far

#Anonymous on Apr 27, 2019 :
Students can get monthly pass (tram and bus) for 100 kn.
#Anonymous on Mar 29, 2019 :
How is the salary of 2000 Euro /month (net, after tax) in Croatia (Zagreb) for expats? Can two person survive with this salary?
#hater on Oct 28, 2018 :
OK, so I live in ZAGREB. It is a great city to have fun and spend some quality time.
Live in an apartment (1bedroom),45square, outside from the center and paying 3200kn with all the expenses(renting expenses). My salary is 6500kn.
Living with girlfriend who also works with salary of 3000kn. So basically her salary is gone when we paid the rent. Monthly food is 2000kn(buying in groceries shop ONLY), paying for gas is 800kn(one car).Monthly urban transportation is 500kn. If you want to drink coffee everyday in pubs it is gonna cost you 10kn average per day and beer would be 15kn. So, lets try to sum it all together. Both of us earning 9500kn.
All expenses are 6500kn. So we are left with 3000kn for ourselves(witch is good). Then try to include sometimes cinema, mentioned coffee and the beer and sometimes go on a dinner. After all with all that money, we are able to have 1000kn. So what if we want to buy some clothes and other stuff??? IT is IMPOSSIBLE. So, basically that is why all the youth people are going out of Croatia cause it is not good to live here. I hope I helped someone.
#Martin on Sep 13, 2018 :
@Sammy Hey Sammy, I'm an Austrian expat from Salzburg currently studying and working in Zagreb. Zagreb, and most of Croatia, is just as safe as anywhere else in the EU, including Czech Republic, really. Nothing that wouldn't happen in other EU countries (or the West) won't happen here either. Any sort of crime, or violence, is extremely rare. Take normal precautions. Nothing ever happened to me during my stay here, I walked home at night many times, even tipsy, without ever feeling a suspicious feeling in my gut.
#Sammy on Sep 01, 2018 :
@#Croat: Is Zagreb even safer than cities in the Czech Republic? Like Prague, Brno, and Cesky Krumlov?
#Anonymous on Aug 24, 2018 :
Hi All,

Can anyone let me know whether salary of 2000 EUR per month net salary after tax is good salary for EXPATS in Croatia ?
#Anonymous on Feb 07, 2018 :
Croatia is super corrupt.. and according to everyone I speak to here they say they are constantly taking advantage of each other. Most places wont rent out to anyone long term as they will give you ridiculously high prices that no expat can afford and is soley meant for tourism. Whatever you think youre getting into.. its not good if you are trying to immigrate here. Ive been in Split/Vis for a combined 3 months and im about to leave. Its a total shit show for foreigners
#Croat on Aug 15, 2017 :
Oh and just to mention why is the average salary so "high" when white-collar jobs in private companies are payed like 400-600 euros per month in average...

People working in the public sector here are crazy overpaid. They get in average 200-300 euros more than an average person in the private sector. People who drive trams and buses get 10 000 kunas, 1.3k euros per month and thats without benefits. Many people work locally some political jobs (in ministries, some administrative stupid jobs for the city, etc.>) and also get quite good salaries. Not to mention state-owned companies like HEP (energy state company) where for no work you will get a minimum of 1k euros. Managers with bonuses in these kind of companies get thousands of euros and if they fail- tax payers will pay the price.
This is something completely different than in Budapest where if you get payed by the government/city or whatever, you will have hardly enough to pay 70% of a decent studio if you dont own an apartment.

And because of that we do not have so many expats. To work any kind of job in the public sector/state owned company, Croatian is not even enough. You need citizenship as well.
#Croat on Aug 15, 2017 :
I lived in Zagreb 7 years and I am a native Croatian.

First of all, the average salary pointed here is not so low for Zagreb. 5900 kunas is the current average of Croatia, and average of Zagreb is more like 6600 if not 7k net because there is a huge difference here between salaries of entry-level positions/seniors and even low-level managers. When I say huge, Im talking about thousands of euros per month of a difference.
The problem with Zagreb is that there aren't so many huge multinational companies and Business centers like in Prague, Bratislava or Budapest. I can tell you for sure, I think its very unlikely to get a job if you do not know Croatian at all( if youre from ex-Yugoslavia and your Croatian is decent, its a different story). I don't remember seeing any job openings where you only need English. It must be taken into consideration, the unemployment is still very high in Croatia for most white-collar/office jobs, so it is not likely you can get a work-permit for these kind of jobs. I am a Croatian and getting a job in any kind of multinational company is like hitting jackpot, even though these kind of jobs are also usually payed very bad in the start (they know that even if the salary is 4000 kunas/550 euros, there will be many candidates for a white-collar job) .

Zagreb just recently became a tourist destination (something completely impossible to see just a couple of years ago), so after a lot of time, rent is also becoming more expensive, but definitely still affordable. If you share a flat with only 1 friend/flatmate, its even possible to find nice apartments(50 sq meters, 2 bedrooms) for 200 euros each with utilities. This is impossible in Budapest/Bratislava/Prague.
But this is the price for Croatian people, I have no idea about expats. I heard stories that Erasmus students tend to get robbed in housing prices but I dont know any details. If you are here on Erasmus go to dormitories which are also affordable and I would say very fun. Rooms for international students, with a roommate, are cca 100 euros.

Shops are crazy expensive in comparing with Eastern Europe and even countries like Germany. There is a huge retail monopoly and not too many discount shops like Lidl. We dont have Aldi and Penny market at all.
Just to give you an example, a canned typical commercial average beer in a shop will cost you between 8-10.5 kunas. Heineken is the latter (10.5)and thats one and a half euro for a beer from a shop. Crazy !
But on the other hand beer in caffe bars and breweries is actually quite cheap. You can drink very good draught beer in pubs like Medvedgrad/Zlatni medo for 2 euros.

Have cash because its not easy finding places where you can pay by card.

The city is not overcrowded like Prague and Budapest so for having a family, if you have a decent salary, its really nice. Croatians are very open people usually, I think I can honestly say we have absolutely nothing against any foreigners here, although usually we like you more as tourists or Erasmus students. If youre an expat worker, its possible to find idiots who will dislike you for taking "our jobs", but just ignore them. Most Croatians understand that if we can travel and work wherever we want, anybody should be able to do the same here, although as I mentioned, its really difficult to find a job as an expat here (foreign language teachers, IT come to mind where its probably possible).
The city is completely safe. I think safest capital in Europe. During the night you can go EVERYWHERE, ANYWHERE. There is a very small + gypsy ghetto completely outside of the city, but again unlike most Eastern European cities, these gypsies are basically just poor Croatians who in general are not even close to dangerous or even strange.

Thats it, if you have questions be free to ask and I'll be happy to answer.
#Anonymous on Aug 05, 2017 :

Yes,around 20-25% of your gross salary goes automatically to your pension fund,you should ask your employer for details since there are 3 so called "pillars" ie pension funds. Healthcare is also included from your gross pay,you dont have to worry about that.

If you have apartment provided,8100kn a month would be more than enough for comfortable single life,not luxurious but certainly comfortable. Eating out,having some fun,taking a trip,even saving a problem
#Simon on Jul 12, 2017 :
Hi all

Im looking at moving to Zagreb into the banking sector as a debt collector

I have a small apartment provided

The company im working for has offered me 13500 kuna a month amd said after Taxes be about 8100kuna a month.

Does croatia have a system that pays into my future pension fund like Australia? We call it superannuation?

Is this considered "good money" and enough to live in a small (50sqm) apartment for a single mid 40s person

Is the utilities prices above a good guide for a single persons use?

Any feedback would be fantastic

Thank you
#Yeop Azman on Apr 19, 2017 :
#Lulu. It's not worth living in Europe. I'm from NC and came here for medical school because it was cheaper because I couldn't afford it back home. Then I got stuck because I earn less than I did working in Dairy Queen when I was 17. As a medical doctor.

You won't be able to afford anything here, especially if you 1. are not Croatian and don't own property, 2. are not Croatian and can't get credit.

The prices listed above are "realistic", but as a foreigner be prepared to pay 50% more on the services not listed, because you're a foreigner. Anything without a price tag will automatically be 50% more expensive for you. The guy before rented the place for 200 Euro? Be prepared to pay 300 Euro. Their excuse? Prices have gone up. But by 50% in the past 30 minutes? It helps knowing Croatian and playing stupid, so you can see if they rip you off. But don't call it out on them, because half the time, the alpha male temper will start a physical fight with you.

As for life expenses? Gas is more expensive, travel is more expensive, the coast is impossibly expensive, etc. You get 1/4 the pay with 4x higher prices. Which means that you get to live 1/16th your life potential.

It's the biggest mistake I made, but I am stuck here and am trying to fight my way out of poverty.
#Clay on Mar 07, 2017 :
Lulu,dont get me wrong but there is no need for part time english teachers in Croatia. Croatia has plenty of universities that print out english professors and most of the people know english allready. Its no China.

Besides,with no formal qualification(master degree in english,or at least Cambridge certificates)you wont be able to obtain job anyway. If you have IT education that would be something to work with.

And EU wise,how about googling it?
#Lulu on Feb 26, 2017 :
I'm an American looking into moving to Croatia. I lived in The Czech Republic in the mid 90's before the EU, don't know if Croatia is EU yet, and if there are strict regulations regarding those outside the EU. Also want to know if I would be required to get private health insurance? I am over 60 with pre existing, of course. Ideally, I would like to teach English part time. Any ideas?
#Antoine v. Faddoul on Aug 14, 2016 :
Hi , I have lived in Croatia actually for almost 7 years for studying and work I slavonska pozega medical center .really it was the best part of my life .. The Croat are really duša od ljudi.. Now I am planing to spent a year with my wife as a part of my retirement plane .. So I am looking forward for your advise .. That is renting a furnished apparent in the city of Zagreb medical care and the Borovak .. Thank you ..
#Clay on Jul 30, 2016 :
Zagreb city,of course thats true.As with any other average salary calculation.Median is probably more like 5-6000.So you re in fact asking for a median,not average wage(net salary).

Zagreb high points would be affordable rent,free healthcare,almost free edcation,cheap kindergardens and reasonable restaurant,taxi and clubbing prices.With that ofc go low wages.

We,Croatians would like to have 2000eur wage each with croatian prices-not possible.Around 1200 eur per month would be needed to catch for eg.Dublin or Viennese purchasing power in Zagreb
#zagreb city on Jul 29, 2016 :
I agree with Goran. I work as an engineer and I have 600eur monthly earnings. I'm a beginner. Also, most of the data is correct, but the question is whether it is really the average net salary in Zagreb 6600kn (880eur) because most people who are highly educated work for so much. From the average should throw out the salaries of managers as for example directors of large companies that have a 15000 EUR net monthly salary. Then I would say that the real average salary 5500 - 6000kn.
#Goran on Jul 10, 2016 :
Most data is quite accurate, but disposable income is not correct. According to National Statistical Department average disposable monthly income for Zagreb is 6.600 HRK after tax (880 EUR).
Like everywhere in the world it depends a lot of the profession. For example, in IT industry avarege income is usually 1300 eur or more, depending on the company.
#Poverty on Jul 06, 2016 :
Zagreb, Croatia generally,is very expensive for us residences.Mayority of us work for 500-1000EUR which is not enough for rent or loans costs besides other expences. Hollidays, travelling-forget about it!
#noname on Jan 28, 2016 :
Johnatan is pretty much spot on.Proud to see that Frankfurter thinks of Zagreb as a livable city.

Average net salary in Zagreb is 6,669kn(around 900E),and average net salary in Croatia is 5,580kn(750E).

Ordinary worker in supermarket/waiter has around 3000kn,employed taxi driver 4500-5000,high school teacher around 5500-6000kn,pharmacist around 10000kn or more,IT engineer 8000-15000kn,doctor/dentist 10000-25000kn(difference being public or private)etc.
#Jonathan on Jan 14, 2016 :
We recently moved to Zagreb from Frankfurt, family w 3 kids, for business and living. A Kindergarden cost us here 30€ per kid vs. 400€ in Frankfurt. Just an example of people actually getting much more out of their salary (ca 1000€/average in Zagreb). Fresh food is less expensive than comparable German city but drug store and even food in retail is almost the same. So people prefer to eat fresh and actually you almost dont see any unhealthy or megafat looking people around.

Zagreb is a city that offers a lot content for a reasonable price, at least what we have experienced in winter. Basketball champions league game 3€, Ice Hockey Champions League (KHL) the same, culture is so much more affordable than in comparable capital cities in EU. Also its super close to the Adriatic coast as well as to Ski ressorts. Also there is no brand I know apart from Prada which you cannot get in Zagreb, they got everything here. You are as also quick by car to go to Venice as well as Munich or Budapest or Vienna.

I feel that people are complaining a lot, but the most I know - at least >90% - are living in owned appartments or houses. Moaning is kind of mentality almost bizzare having in mind the good standard of living. Many are doing some pocket money on the side, people are very enterpreneurial oriented. People are generally confident of Croatian achievements in sports but at the same time complaining a lot about their own people which seems paradoxal.

For us this city is a great place to live and I believe once the communist mentality is gone by time, this city will be a capital of a promising country because it has all what it takes to go to the top in Europe.

Thanks for reading and apologies for the length of the text.
#noname on Nov 27, 2015 :
Contrary to the popular belief,Zagreb is pretty reasonable city,not overly expensive.Nice apartment in new building can be bought for 80-90000 euros(65-75m2,2 bdrm),cinema for 2-100kn with popcorn(13-14 eur),dinner for 2 around 200kn.Schools are mostly free,so is the healthcare.1,5h drive to the Alpine ski resorts(Krvavec),1,5h to the Adriatic coast(Crikvenica,Moscenicka Draga beach).Croatian people are very pessimistic,look at the other places with lower purchasing power,less negative comments.(Sofia,Belgrade,Rio de Janeiro,Vilnius,St Petersburg,Sarajevo etc).Its a mentality thing.

Assuming you rent,with family of 3(2 adults,1 child)-2000(15500kn) eur is enough for comfortable living with some saved ever month.Food-500 eur,Rent 400 eur,gas 150 eur,clothes 80 eur,fun 150 eur,utilities 150 eur with 570 eur to spare for misc(car,vacation,savings etc).

Of course,we re talking about expats,middle class locals have around 1500 eur,upper middle class around 2500-3500,we re talking about NET family income per month.
#Goran on Aug 09, 2015 :
Replay to "Thorvald", I don`t understand why you are comparing Zagreb and Belgrade? This is about one city, doesn't meter which one and if you do, than at least use right info. And please, your needs are not everyone needs!!

1. Zagreb urban zone is twice as big as Belgrade urban zone, what makes Zagreb twice bigger city, check on wiki... Belgrade have bigger population (not three times), maybe you meant that, but why is it important? In general Zagreb is quite big, if making compares, bigger than Amsterdam, Lisbon, Frankfurt, Copenhagen, Oslo, Stockholm... so I`m not sure what you meant by that.

2. Zagreb have much more to offer someone who is tourist, starting with museums, concerts, architecture, in general cultural things, course Zagreb was capital of culture in ex Yugoslavia... And Belgrade was political capital.

3. Croatian gastronomy is much richer than Serbian, starting with fact that Croatia is country that have see, so that means that there is a lot of see food, with very clean see what means high- quality see food, and much more, famous olive oil, great chees etc., what is not case with Serbia, also Croatia have bigger meet culture, Croatian cuisine is famous for different kinds of meat, probably the best quality lamb you can get in Europe, because of geographical position and diet of sheep, but also goat meet and that goes for south of country, north on other side is more Beef and Pork, with huge offer of dry meet products. while in Serbia pork is dominant, and bit of beef. In the end Croatia have both, typical middle eu and mediterian see food. in general, in Belgrade you'll find much more grill places to eat čevapi, and maybe you`ll got it little bit cheaper than in Zagreb, but quality of those places is same, and i guess you meant that.

3. Serbian prizes are lower than Croatia but Belgrade prizes are not lower than Zagreb, both city's are quite expensive, especially for residents.

Only thing that you wrote right is that Belgrade have little bit more of night life, but than again the quality of it is question, I personally don't like that tipe of night life, bars with bad music and cheep drinks makes them over crowded and not best choice. You have those kind of places on Zagreb lake Jarun, as well... just it is not in center of city.

In general as much I understood your text you like basic things, cheep bars and big portions of fast food, what is ok, can understand that need, but it is not right way to explain some one city and all it offers, or even better, do it like it is a fact... in in that line Zagreb is much much more than Belgrade is.
#Joseph on Jul 27, 2015 :
Pretty accurate but the utilities are much lower. I would say 3500kn salary is enough if you avoid renting in the center