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Retire in Croatia

Croatia is a tourist destination

Retire in Croatia if you can afford this standard of life.

Croatia, Croatia, Croatia, well, there you have it, is a peaceful and enchanted place for the retiree. A place like no other in this world and the beaches are clear and there are no doubts during the summer is having a swim in the clear waters.

Urchins are regular swimmers but can be avoided by wearing flip-flops when in the water. Cavtat is along the bay where you will find white dazzling yachts settled in from the rich and famous who rent their space.

The old town is many years old, and homes have reddish roof tiles that give all effects as of the sea, the yachts and the deep orange to reddish roof tiles give a great appearance to the local shops.

This town is 1000 years old.

Most nationalities are not aware of Croatia as a perfect place for retirement. However, I have learned that legally 30000 internationals live in Croatia. These foreign people live in most parts of the north.

An individual lives on temporary and permanent residency permits. This doesn’t include those on a 90-day visa as tourists. My views are different from those of foreigners who had planned to live in Croatia.

In the heart of Europe, it is unspoiled, most beautiful, and calm is a gem in the southeastern part and has exactly what retired people would want for their lifestyles.

The summertime is when you want to enjoy the sun, the beaches, and relaxing times and safer than most European countries.

Adopted the country and I have seen many changes over the years living in Croatia. The outstanding views of the coast and Dubrovnik itself have made me see the town in its natural state.

The little harbours show off their blue crystal waters. Fishing villages are exquisite. Molunat is quiet and most peaceful for retirees. This place is 15 kilometres from where I live.

In the 1970s a veteran fisherwoman can remember a Tuna caught in that area. She is the only woman that has a vast knowledge of fishing in that part of Croatia. Mostly men are fishing out in boats at sea.

Since then the route of the Tuna has changed. The taste of the fresh sardines hasn’t changed and is still caught in nets to this day.

As if the age of the Internet never came to this place, Molunat. Since 1974 the fisherwoman has kept a diary and kept the details of fish caught each day from the sea.

The medieval walled towns have Roman ruins and treasures.

The islands are many as over 1000 looks like emeralds. Going by boat into the Adriatic Sea you will see the water is super clear and clean. A retirement destination can be in any part of Croatia.

Along the Dalmatian coast is an idea, but I prefer inland. There is no sound of traffic and it is silence. In the countryside, surrounded by mountains, you can have long walks and enjoy the fresh air.

You can invest in property, own a business, stay for family reasons, have a job, for study purposes, or any investment. if you own a yacht you are granted a permit.

Living in Croatia is for retirees and a place worth living in if you are financially secure. The cost of living in Croatia depends on the type of home you have.

A student dorm or a privately owned home can differ. Everything depends on how you choose to live as a retiree or a visitor. If you have an apartment you need to live on 1000 euros per month.

In 2002, I decided to live in Croatia and discovered the lifestyle was different and not all that reasonable. A tourist country and prices are subject to change from season to season.

As an ex-pat, I noticed changes in the prices and understand that a tourist country has to adapt to what makes the economy stronger. I focus on what affected me the most and how I managed to live in Croatia.

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Living in Dubrovnik for two years was a great experience and for anyone else living in the cities, like Zagreb, Split, Dubrovnik and along the coast you will pay higher prices for accommodation for your basic needs. This is according to the standards of Croatia and the Kuna is the currency of Croatia.

It doesn’t mean that all regions are at a higher standard or a price to pay. The small villages out of the tourist towns are cheaper and well-accommodated for anyone who needs an affordable place to live in for a few months.

When not in season the holiday apartments are rented to you through the beginning of the summer season.

I know this from my experience. We rented an apartment from October through to May and had to find another apartment. Our cost of an apartment was 330 euros per month.

The food costs 500 euros.

Other expenses such as medical are mandatory for anyone, including foreign nationals. I paid nine euros per month until I became a citizen and got myself a job and started on supplementary health insurance at the amount of 112 euros per month.

Croatia has become a popular tourist destination and retiree destination. You can find your way around easily and walk is a convenient and healthy way to shop locally.

During the summer you pay more than in the winter season. Utilities are inexpensive, the electric bill, water, and the use of the internet are well worth your pockets. Use of the telephone and Internet cable adds up to 43 euros

The electricity bill during the wintertime is calculated per six months at the price of 600 euros. During the summer it adds up to 400 euros and the same at the end of each season you would pay more or less whatever the difference is.

The water bill and communal service are 20 euros. In Dubrovnik, you don’t need public transport as much. Stores are within walking distance, and if you go shopping you will need to drive there.

Social life is affordable.

Go where the locals go for fun.

I had not had reasons to be concerned as much about spending too much or too little during my stay in Croatia. You will need to pay 0.80 euro cents for a coffee which to depends on the size. Really speaking, it all depends on what you want or need.

Restaurants and pubs all differ in price range. Healthcare for ex-pats is not free as it is for the locals. I was unemployed at that time and learned that a foreigner unemployed has to pay 60 euros for health care.

To visit a private doctor I had to pay 70 euros which also depends on which private doctor you need to see for your health issues. The cost of medicine differs and you need to ask about it at the local pharmacy.

Overall, for a month you could live on 800 euros. Here again, it depends on your situation. The standards differ for each and are worth knowing if ever you decide to retire in Croatia.

A lot has changed since 2002 prices and living standards. I did not imagine my life in Croatia and here I am years later and writing about my experiences in my adoptive country.

Views from and around my home

The mountains is a view from my home

The mountains is a view from my home

The valley view from my home

The valley view from my home

This is a view along the coast

This is a view along the coast

A view overlooking the valley from my home

A view overlooking the valley from my home

Molunat by the sea and the best fishing area.

Molunat by the sea and the best fishing area.

Croatia for retirement

Retire in Croatia

This content is accurate and true to the best of the author’s knowledge and is not meant to substitute for formal and individualized advice from a qualified professional.

© 2021 Devika Primić


Devika Primić (author) from Dubrovnik, Croatia on March 12, 2021:

Hi Mel the war between Serbia and Old Yugoslavia then has been over since 27 years ago. I first came here in 2002 and it wasn't the best of times. Thank you

Devika Primić (author) from Dubrovnik, Croatia on March 12, 2021:

Hi Tull I haven'r found your hubs yet thank you for comments. I appreciate your kind words. I am glad we can support each other.

Mel Carriere from Snowbound and down in Northern Colorado on March 11, 2021:

Croatia sounds and looks a lot like San Diego, where I used to live and where my heart probably still resides. It appears to be a stable, quiet place, now that the conflict with the Serbians is over. Very informative article.

Tulii Banerjee from Kolkata on March 11, 2021:

Beautiful description and wonderful photos Devika. I enjoyed reading it. Thank you for sharing this beautiful article. And at last, I find your hubs for comment.

Devika Primić (author) from Dubrovnik, Croatia on March 11, 2021:

Hi Peggy thank you for comments. I am glad you know what it would like to live here.

Devika Primić (author) from Dubrovnik, Croatia on March 11, 2021:

Misbah thank you for feedback. I appreciate that you enjoyed reading my hub. Always a choice to first visit.

Devika Primić (author) from Dubrovnik, Croatia on March 11, 2021:

Hello Nithya so glad you stopped by to read my hub. I appreciate your time.Thank you

Devika Primić (author) from Dubrovnik, Croatia on March 11, 2021:

Mary Thank you very much for comment. The winter begins from November and lasts through March. Croatia is for the retired, sunny weather mostly during the summer.

Devika Primić (author) from Dubrovnik, Croatia on March 11, 2021:

Mr. Happy I am South African and moved to Croatia 18 years ago. Since living here is peaceful, and no crime in this region I figured that is what matters most to me. It is a lifestyle for the retired and why not visit first? A pleasure to read your comment and know what you think about retiring in Croatia. Thank you kindly for sharing your feedback here.

Nithya Venkat from Dubai on March 10, 2021:

Croatia looks beautiful and it seems like a great place to retire. I enjoyed reading about Croatia, thank you for sharing.

Mary Norton from Ontario, Canada on March 10, 2021:

We stayed for a month in Croatia in 2017 and drove all around, including Bosnia and Montenegro. We had a fantastic experience. I could easily retire there. It is beautiful, with plenty of history and amazing food. Anything that is a sweater-weather in the winter is fine with me.

Mr. Happy from Toronto, Canada on March 10, 2021:

"granted a residency permit if you have a yacht and it is parked in the marines" - So I just need a yacht, huh? I'll keep that in mind lol

The view is gorgeous from where You are - nice spot! Although I was born and raised relatively close (Romania), I have never been to Croatia but the people I have come across from there have always been a pleasure.

Thank You for the insights. All the best!

Misbah Sheikh from — This Existence Is Only an Illusion on March 10, 2021:

Croatia sounds like a lovely place. Good reasons to retire in Croatia, Devika

I enjoyed it, Thanks for sharing


Peggy Woods from Houston, Texas on March 10, 2021:

It is always helpful to know what the living conditions and prices are like from someone who lives in that country or locale. I would love to visit Croatia someday. It looks so beautiful! Thanks for giving us more details about it.

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Thank you Bill have a good evening

Bill Holland from Olympia, WA on March 10, 2021:

It's nice to read a firsthand accounting of another country. Thank you for the in-depth look at Croatia. The pictures are lovely.

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

FlourishAnyway Thank you very much for stopping by. I agree with all comments including yours. It is so kind of you to share your views here.

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

manatita44 Well, as I have mentioned it depends on the lifestyle and what you can afford. For some it may be a low cost and for others really expensive life, but one needs to decide that for themselves. Thank you

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Chitrangada Sharan Thank you for comments. I appreciate that you stopped by always nice to read a comment from my faithful followers.

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

John thank you kindly for stopping by. I appreciate your kind comments.

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Pamela99 I like to share what I know about Croatia and those who want to move, maybe Croatia can fit their budget. Glad you stopped by apprecaite it. Thank you

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Sankhajit Bhattacharjee Thank you

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Hi Eric Thank you for sharing your views, hope all is well with you

Devika Primić (author) from Dubrovnik, Croatia on March 10, 2021:

Ravi Rajan, Croatia is a Tourist country and jobs are available in season, during the winter people work in cafe bars. Agriculture is an opportunity if you have olive trees or grapevines, it is a way to make a living. I had my tourist business unfortunately, that only lasted for a short time due to all what's going on no tourists. I was self-employed and enjoyed it. In the Balkan region, it is not much of a westernized country. I believe it is a place for retirees. Thank you for stopping by very much appreciated.

FlourishAnyway from USA on March 10, 2021:

For the right person, I'm sure Croatia is a nice place to retire. The language difference would certainly be a challenge to get used to, but the scenery that you've depicted is gorgeous.

manatita44 from london on March 10, 2021:

A beautiful piece on Croatia. Did I evoke it by dedicating a Hub to you? Ha-ha. I thought you had taken a rest. Anyway, you are now writing a lot better and I'm proud of how far you've come. Awesome!

Thanks for the info. Their winter bills are similar to mines but the coffee's cheaper. Perhaps I'll come and see you soon --after I have won the Lottery. (Sweet chuckle)

Chitrangada Sharan from New Delhi, India on March 10, 2021:

Croatia is beautiful indeed, as is evident from your description and wonderful pictures. I have a wish to visit this place. Let’s see when.

I am sure you are having a wonderful life there. Best wishes always and thank you for sharing this beautiful article.

John Hansen from Australia (Gondwana Land) on March 10, 2021:

Croatia looks and sounds like a lovely place, and would be suitable for many people to retire in. Thank you for sharing this, Devika.

Pamela Oglesby from Sunny Florida on March 10, 2021:

You give us several good reasons to retire in Croatia, Devika. We are already retired, and we don't plan to move. I really like your pictures as the scenery is beautiful. Excellent article!

Sankhajit Bhattacharjee from MILWAUKEE on March 10, 2021:

great wishes forever...

Eric Dierker from Spring Valley, CA. U.S.A. on March 10, 2021:

Sounds like a really good idea. Nicely done here. Thank you for sharing it.

Ravi Rajan from Mumbai on March 10, 2021:

Great pictures.Would love to retire in Croatia if things work out. It looks like a beautiful country. But BTW how are the job opportunities and commercial opportunities. Are they at par with other countries in Europe?

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