Full Cost Guide of Owning Property in Croatia

1. Household Utilities

Once you purchase your property, you need to transfer utility accounts to your name. Utilities are generally paid monthly and include:

• Electricity: Charged based on usage.

• Water: This includes both regular water usage and an annual water management fee (slivne vode or naknada za uređenje voda).

• Gas: Often provided by a city gas plant, depending on the area.

• Waste Disposal: Monthly garbage services are standard.

In addition to monthly bills, expect annual fees like the communal fee (covering public space maintenance, lighting, and drainage).

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2. TV & Internet

In Croatia, having a TV is still standard for most households. You’ll need to pay for:

• Public TV Subscription (HRT): Monthly fee for national TV services.

• Cable/Satellite: Optional but common for broader TV options.

• Internet & Phone: With more than 86% of households connected to the internet, expect to pay anywhere from €2.50 per week to €35+ per month, depending on the service package.

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3. Loan Repayment

Many residents take out mortgages to purchase property. Your loan repayment will depend on:

• Loan Type & Terms: These are determined by the bank based on income, nationality, and other factors.

• Monthly Repayments: These will vary by bank but generally depend on your ability to repay.

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4. Pričuva (Reserve Fund)

If you own an apartment, there’s a shared fund for maintaining common areas, like elevators, stairs, or exterior maintenance. The cost is typically around €0.36 per square meter and covers:

• Repairs

• Maintenance of communal spaces

• Insurance for the building

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5. Indoor Appliances & Maintenance

• Appliance Upkeep: You’ll need to maintain household appliances such as heating systems, dishwashers, and washing machines.

• Regular Maintenance: Call professionals like gas fitters, electricians, and plumbers when necessary. Services like chimney cleaning should also be considered before winter.

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6. House Cleaning

While some owners prefer to clean their homes themselves, you can hire cleaning companies (agencije za čišćenje) for regular or one-time services, including post-construction clean-up.

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7. Wall & Yard Maintenance

• Wall Maintenance: Periodic painting may be necessary, either DIY or by hiring a professional.

• Yard Care: If you own a house with outdoor space, regular gardening, lawn care, and landscaping will be part of your yearly routine.

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8. Home Insurance

Though not mandatory, having home insurance is highly recommended to protect your property from:

• Fire, floods, or theft

• Earthquakes and other natural disasters

Prices range from €84 to €200 per month, depending on coverage.

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9. Parking

If you own a house with a garage, this cost is typically included. However, for apartment owners, parking might not be included, and you may need to purchase a dedicated parking space.

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10. Renting Taxes

If you rent out your property or use it as a seasonal vacation home, expect to pay porez na kuće za odmor (vacation home tax) and other related fees. Learn more about Croatian tax obligations for property rentals.

 

Final Thoughts:

Owning a property in Croatia offers an exciting opportunity, but it's important to understand the ongoing costs involved. By budgeting for these fixed and variable expenses, you’ll be better equipped to manage your investment efficiently. If you’re unsure about the details, it’s always wise to consult with a local expert or real estate agent.