Cost of Living in Opatija, Croatia
Last updated on Apr 16, 2025
Summary: What is the cost of living in Opatija, Croatia? Expats, digital nomads and retirees living in Opatija talk about the general living costs, the cost of housing and health insurance.
Is the cost of living in Opatija high?
We asked people how much they someone comfortably live on in Opatija, they wrote:
"The cost of living in Opatija is considered moderate compared to other European cities. Rent for a one-bedroom apartment in the city center can be quite affordable, while a similar apartment outside the city center is even cheaper. The cost of utilities such as electricity, heating, cooling, water, and garbage is also relatively low. Groceries in Opatija are reasonably priced, with basic items such as bread, milk, and eggs being quite affordable. Eating out at an inexpensive restaurant is also not very costly, while a three-course meal for two people at a mid-range restaurant can be a bit more expensive. Public transportation in Opatija is relatively cheap, with a one-way ticket on local transport being very affordable. However, owning and maintaining a car can be more expensive due to the cost of gasoline and car maintenance. Healthcare in Opatija is of good quality and is not very expensive. Fitness club and sports memberships are also reasonably priced. Overall, the cost of living in Opatija is quite affordable, especially when compared to larger European cities. However, it's important to note that salaries in Croatia are generally lower than in Western Europe, which can affect the overall affordability of living in Opatija," said one person in Opatija.

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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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Will I save money living in Opatija?
"Yes, you are likely to save money living in Opatija compared to the United States. The cost of living in Croatia is generally lower than in the United States. This includes expenses such as rent, groceries, dining out, and transportation. However, the amount of money you save can depend on your lifestyle and spending habits. It's also important to note that while the cost of living may be lower, average salaries in Croatia are also typically lower than in the United States. Therefore, if you're planning to work in Croatia, you'll need to consider this factor," explained one expat living in Opatija.
What is the average cost of housing in Opatija?
If you are thinking about moving to Opatija, cost of living in probably a key consideration. Expats commented about the cost of housing:
"The average cost of housing in Opatija can vary greatly depending on the type and location of the property. For instance, a luxury villa with a sea view can cost significantly more than a small apartment in the city center. However, on average, you can expect to pay a moderate amount for a decent-sized apartment in a good location. It's always best to check with local real estate agencies for the most accurate and up-to-date information," said one person in Opatija.

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.
Click connect to have our partner contact you via e-mail and/or phone.

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.
Click connect to have our partner contact you via e-mail and/or phone.
About the Author
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.