Moving to Bosnia and Herzegovina from Croatia

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What to Expect

Everything you need to know before relocating from Croatia to Bosnia and Herzegovina — costs, safety, healthcare, and practical first steps.

If you moved from Croatia to Bosnia and Herzegovina, you would find that Bosnia and Herzegovina is 30.9% cheaper than Croatia overall. A HRK484,551 salary in Croatia would need to be roughly BAM85,704 in Bosnia and Herzegovina to maintain the same lifestyle.

How Far Will Your Money Go?

What to expect for your wallet after moving from Croatia to Bosnia and Herzegovina.

What does your salary buy?

HRK484,551 BAM85,704

To maintain the same standard of living in Bosnia and Herzegovina

Calculate with your salary →

Where you'll feel the difference day-to-day

Restaurants

pay 40.8% less

Groceries

pay 9.5% less

Transportation

pay 27.3% less

Housing

pay 41.2% less

Childcare

pay 46.4% less

Entertainment and Sports

pay 42.3% less

See full cost of living breakdown
Exchange rate: 1 HRK = 0.26 BAM (June 2026)

Data: MyLifeElsewhere's crowdsourced cost of living database, with prices submitted and updated by users worldwide. Exchange rates are refreshed regularly from public sources.

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Who Else Is Making This Move?

How many people actually move from Croatia to Bosnia and Herzegovina, based on official data.

Living there in 2020
11,956 ↓ 6% vs 2015

people born in Croatia live in Bosnia and Herzegovina · UN DESA

Who's moving to Bosnia and Herzegovina?

Top countries of origin for Bosnia and Herzegovina's foreign-born residents.

Foreign-born population · UN DESA (2020)

Key Indicator Comparison

Key indicators for anyone considering a move from Croatia to Bosnia and Herzegovina.

Is it safe?

Homicide rate United Nations SDG Indicators, 2022

per 100,000 people per year

HR
0.8
BA
1.1
Road traffic deaths United Nations SDG Indicators, 2021

per 100,000 people per year

HR
8.1
BA
13.7

Croatia performs better than Bosnia and Herzegovina across all safety metrics.

How's the healthcare?

Healthcare spending per person World Bank, 2023

annual government + private spending per person

HR
$3,229
BA
$1,989
Doctors per 10,000 people United Nations SDG Indicators, 2021

affects wait times and access to care

HR
36.1
BA
23.2

Croatia generally does better on health & wellbeing, though Bosnia and Herzegovina leads in healthcare spending per person.

What about the environment?

Air pollution deaths United Nations SDG Indicators, 2019

deaths attributable to air pollution per 100k people

HR
31.0
BA
55.0
CO₂ emissions per capita World Bank, 2024

tonnes of CO₂ emitted per person per year

HR
4.8t
BA
6.4t

Croatia performs better than Bosnia and Herzegovina across all environment metrics.

Will I have good infrastructure?

Broadband per 100 people United Nations SDG Indicators, 2022

fixed broadband subscriptions — key for remote work

HR
27.0
BA
27.1
Water stress level United Nations SDG Indicators, 2021

higher means greater strain on freshwater supply

HR
1.5%
BA
2.0%

Croatia generally does better on infrastructure, though Bosnia and Herzegovina leads in broadband per 100 people.

What are the job prospects?

Unemployment rate The World Factbook, 2023

percentage of the labour force without work

HR
6.1%
BA
10.4%
GDP per capita The World Factbook, 2023

a broad measure of economic output per person

HR
$41,300
BA
$19,900

Croatia generally does better on employment & economy, though Bosnia and Herzegovina leads in top income tax rate.

Is it good for families?

Life expectancy The World Factbook, 2022

average years of life at birth

HR
77.2 yrs
BA
78.0 yrs
Infant mortality The World Factbook, 2022

deaths per 1,000 live births — lower is better

HR
8.7
BA
5.2

Bosnia and Herzegovina generally does better on family life, though Croatia leads in literacy rate.

Data: Croatia Tax Administration, The World Factbook, United Nations SDG Indicators, World Bank

What's the Climate Like?

Monthly averages — select a city to compare.

Zagreb Rain: 33.7 in/yr (856 mm)
60° / 42°F

Avg. annual high / low

Sarajevo Rain: 37.4 in/yr (950 mm)
62° / 42°F

Avg. annual high / low

Months Zagreb Sarajevo
Jan–Mar 44°/29°F (7°/-2°C) 45°/30°F (7°/-1°C)
Apr–Jun 69°/48°F (21°/9°C) 70°/48°F (21°/9°C)
Jul–Sep 77°/55°F (25°/13°C) 79°/56°F (26°/13°C)
Oct–Dec 50°/35°F (10°/2°C) 51°/37°F (11°/3°C)
View all months
Month Zagreb Sarajevo
Jan 38°/25°F (3.1°/-4.0°C) 39°/27°F (4.1°/-2.9°C)
Feb 43°/28°F (6.1°/-2.5°C) 44°/29°F (6.6°/-1.9°C)
Mar 52°/34°F (11.3°/0.9°C) 53°/35°F (11.5°/1.4°C)
Apr 62°/41°F (16.4°/4.9°C) 62°/41°F (16.5°/5.1°C)
May 70°/49°F (21.3°/9.2°C) 71°/48°F (21.4°/9.0°C)
Jun 76°/55°F (24.6°/12.7°C) 78°/55°F (25.4°/12.6°C)
Jul 80°/58°F (26.7°/14.2°C) 82°/58°F (27.8°/14.2°C)
Aug 79°/57°F (26.2°/13.7°C) 83°/58°F (28.3°/14.3°C)
Sep 72°/51°F (22.3°/10.4°C) 72°/51°F (22.5°/10.4°C)
Oct 61°/42°F (16.2°/5.8°C) 63°/44°F (17.3°/6.5°C)
Nov 49°/35°F (9.3°/1.8°C) 51°/37°F (10.6°/2.8°C)
Dec 40°/29°F (4.4°/-1.9°C) 40°/29°F (4.3°/-1.7°C)

Data: Croatian Meteorological and Hydrological Service Croatian Meteorological and Hydrological Service, Federal Hydrometeorological Service of the Federation of Bosnia and Herzegovina Federal Hydrometeorological Service of the Federation of Bosnia and Herzegovina

Visitor Visa Requirements

Short-stay tourist visa rules between Croatia and Bosnia and Herzegovina. To live, work, or study long-term in Bosnia and Herzegovina, you'll need a separate residence or work visa — check Bosnia and Herzegovina's immigration authority.

Croatia passport

Croatia passport holder visiting Bosnia and Herzegovina

Visa Free
Croatia passport holders can enter Bosnia and Herzegovina without a visa.
Bosnia and Herzegovina passport

Bosnia and Herzegovina passport holder visiting Croatia

Visa Free
Bosnia and Herzegovina passport holders can enter Croatia without a visa.

Data: Henley Passport Index. Check with the destination country's embassy for the most current requirements.

Frequently Asked Questions

Is it cheaper to live in Bosnia and Herzegovina than Croatia?

Yes — Bosnia and Herzegovina is on average about 32% cheaper than Croatia. City-level variation can be significant.

How much money do I need to move to Bosnia and Herzegovina?

Plan for at least 3 months of living expenses — roughly BAM21,426 in Bosnia and Herzegovina on a HRK484,551 comparable salary — plus one-off moving costs (flights, shipping, deposits, visa fees).

Can I work remotely from Bosnia and Herzegovina?

Internet is rarely the blocker — Bosnia and Herzegovina has 27.1 fixed broadband subscriptions per 100 people. The real questions are legal: digital nomad visa eligibility, your employer's overseas-work policy, and tax residency in both countries.

Is Bosnia and Herzegovina safe for expats?

Croatia performs better than Bosnia and Herzegovina across all safety metrics. The homicide rate in Bosnia and Herzegovina is 1.1 per 100,000 people, compared to 0.8 in Croatia.

How is healthcare in Bosnia and Herzegovina compared to Croatia?

Croatia generally does better on health & wellbeing, though Bosnia and Herzegovina leads in healthcare spending per person. There are 23.2 doctors per 10,000 people in Bosnia and Herzegovina, compared to 36.1 in Croatia. Bosnia and Herzegovina scores 66 on the WHO universal health coverage index (Croatia: 80).

What's the weather like in Bosnia and Herzegovina compared to Croatia?

The average high temperature in Sarajevo is 62°F, compared to 60°F in Zagreb. Sarajevo receives around 37.4 in of rainfall per year, while Zagreb gets 33.7 in.

What language do they speak in Bosnia and Herzegovina?

The official languages in Bosnia and Herzegovina are Bosnian, Croatian and Serbian. In Croatia, the official language is Croatian.

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At a Glance

HR BA
Population 4,188,853 3,816,459
Currency Croatian Kuna (HRK) Bosnia-Herzegovina Convertible Mark (BAM)
Languages Croatian Bosnian, Croatian, Serbian
Driving side Right Right
Calling code +385 +387
Time zones 1 1
Emergency number 112 112