Hvar, Croatia

Retire in Hvar, Croatia

By Betsy Burlingame

Last updated on Jul 01, 2025

Summary: Retirees share their experiences living in Hvar, Croatia. What are the challenges and rewards of retiring in Hvar?

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What is it like to retire in Hvar?

"Life for a retiree in Hvar can be quite idyllic and peaceful. The island is known for its beautiful landscapes, crystal clear waters, and sunny weather, making it a perfect place for those who enjoy outdoor activities such as swimming, boating, hiking, and exploring historical sites. There is a small but active expat community in Hvar, with many retirees from various countries choosing to spend their golden years here. This community often organizes social events and activities, providing opportunities for retirees to meet new people and make friends. Culturally, Hvar has a lot to offer. The island is rich in history, with numerous historical sites and landmarks such as the Hvar Fortress, St. Stephen's Cathedral, and the Franciscan Monastery. There are also several museums and art galleries that showcase the island's history and culture. Recreational activities are plentiful in Hvar. The island's beautiful beaches are perfect for swimming and sunbathing, while its clear waters are ideal for snorkeling and diving. Hiking trails offer stunning views of the island and its surroundings, and there are several vineyards and olive groves that offer tours and tastings. Nightlife in Hvar is relatively quiet compared to other tourist destinations, but there are still plenty of options for those who enjoy a night out. The town has several bars and restaurants that offer a variety of local and international cuisines, and there are also a few nightclubs for those who want to dance the night away. Overall, life for a retiree in Hvar, Croatia can be as relaxed or as active as one wants it to be. With its beautiful landscapes, rich history, and friendly community, it's no wonder that many retirees choose to call this island home," said one retiree in living in Hvar, Croatia.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.
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What advice do overseas retirees have for others considering retiring abroad?

"Retirees in Hvar, advise others considering retiring abroad to thoroughly research the cost of living in their chosen destination, as it can vary greatly from their home country. They suggest learning the local language, even if it's just the basics, to help integrate into the community and make everyday tasks easier. They also recommend visiting the location multiple times at different times of the year before making a decision, to get a feel for the climate and lifestyle. It's important to understand the healthcare system and ensure you have adequate coverage. They also suggest renting a home before buying, to make sure the location suits your needs and lifestyle. Lastly, they advise making an effort to meet new people and get involved in local activities, to help build a social network and avoid feeling isolated," remarked one retiree in Hvar.

What are the most challenging aspects of retiring in Hvar?

"One of the most challenging aspects of retiring in Hvar could be the language barrier, as Croatian is the official language and English is not widely spoken by the older population. The cost of living can also be high, especially during the tourist season, which could pose a challenge for those on a fixed retirement income. Access to healthcare may be limited, particularly for specialized treatments, as the island has a small population and resources are not as abundant as in larger cities. The isolation of living on an island can also be challenging, with limited options for shopping, entertainment, and social activities. Additionally, the process of obtaining residency can be complex and time-consuming, requiring a lot of paperwork and potentially dealing with bureaucracy. Lastly, adjusting to the slower pace of life and different cultural norms can be difficult for some retirees," explained a retiree in Hvar.

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What are the most rewarding aspects of retiring in Hvar?

"1. Retiring in Hvar offers a peaceful and relaxed lifestyle, with the island's slow pace of life providing a perfect escape from the hustle and bustle of city living. 2. The island is known for its stunning natural beauty, including crystal-clear waters, beautiful beaches, and lush vineyards, providing a picturesque setting for retirement. 3. Hvar boasts a Mediterranean climate with warm summers and mild winters, making it an ideal location for those who enjoy outdoor activities and sunshine. 4. The cost of living in Hvar is relatively low compared to many other European destinations, making it an affordable option for retirees. 5. The local cuisine is fresh, healthy, and delicious, with an abundance of seafood, olive oil, and locally produced wine. 6. Hvar has a rich history and culture, with many historical sites, festivals, and traditions that retirees can explore and enjoy. 7. The local community is welcoming and friendly, making it easy for retirees to integrate and make new friends. 8. The healthcare system in Croatia is of a high standard, providing peace of mind for retirees. 9. Hvar is easily accessible, with regular ferries to the mainland and other islands, as well as being a short flight away from many European cities. 10. The island offers a range of activities, from hiking and sailing to wine tasting and exploring local markets, ensuring there is always something to do," commented one retiree living in Hvar, Croatia.

What are healthcare services like in Hvar?

We asked retirees if they have access to good medical care in Hvar. They wrote:

"Hvar, offers a range of healthcare services to both residents and visitors. The island has a small hospital in Hvar town, which provides basic medical services and emergency care. For more specialized treatments, patients may need to travel to Split, which is the nearest city with larger hospitals and specialized clinics. There are also several pharmacies on the island where prescription and over-the-counter medications can be purchased. The healthcare professionals in Hvar are generally well-trained and many of them speak English, making it easier for tourists to communicate their health issues. However, it's recommended for visitors to have travel insurance that covers medical expenses, as healthcare can be expensive, especially for non-residents. Despite the limitations, the healthcare system in Hvar is generally considered to be of a good standard, with a focus on patient care and safety," explained one retiree living in Hvar.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

SJB Global
SJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB GlobalSJB Global

SJB Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model.
Learn More

SJB Global
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