Moving to Zambia from Croatia
What to Expect
Everything you need to know before relocating from Croatia to Zambia — costs, safety, healthcare, and practical first steps.
If you moved from Croatia to Zambia, you would find that Zambia is 42.7% cheaper than Croatia overall. A HRK500,000 salary in Croatia would need to be roughly ZMW847,000 in Zambia to maintain the same lifestyle, and you’d need to navigate life in English. You’ll also switch from driving on the right to the left. Expect a noticeable climate shift — Lusaka averages 80°F vs 60°F in Zagreb, making it significantly warmer.
Planning this move? Get up to 5 free, no-obligation quotes from vetted international movers. Get free quotes ↓How Far Will Your Money Go?
What to expect for your wallet after moving from Croatia to Zambia.
What does your salary buy?
HRK500,000 → ZMW847,000
To maintain the same standard of living in Zambia
Calculate with your salary →Where you'll feel the difference day-to-day
Restaurants
pay 60.1% less
Groceries
pay 8.7% more
Transportation
pay 33.8% less
Housing
pay 60.7% less
Childcare
pay 12.0% less
Entertainment and Sports
pay 29.4% less
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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Key Indicator Comparison
Key indicators for anyone considering a move from Croatia to Zambia.
Is it safe?
per 100,000 people per year
per 100,000 people per year
Croatia performs better than Zambia across all safety metrics.
How's the healthcare?
annual government + private spending per person
affects wait times and access to care
WHO index from 0–100 measuring essential service access
share of adults with obesity
per 100,000 people — a proxy for mental health support
Zambia generally does better on health & wellbeing, though Croatia leads in doctors per 10,000 people.
What about the environment?
deaths attributable to air pollution per 100k people
tonnes of CO₂ emitted per person per year
Croatia generally does better on environment, though Zambia leads in co₂ emissions per capita.
Will I have good infrastructure?
fixed broadband subscriptions — key for remote work
higher means greater strain on freshwater supply
annual consumption — reflects grid capacity
share of households with internet
Croatia performs better than Zambia across all infrastructure metrics.
What are the job prospects?
percentage of the labour force without work
a broad measure of economic output per person
the highest marginal rate on personal income
share of people below the poverty line
Croatia generally does better on employment & economy, though Zambia leads in top income tax rate.
Is it good for families?
average years of life at birth
deaths per 1,000 live births — lower is better
government spending on education as % of GDP
percentage of adults who can read and write
Croatia performs better than Zambia across all family life metrics.
Sources: World Bank (2015–2025), United Nations SDG Indicators (2019–2021), World Health Organization (2024), Croatia Tax Administration (2016), Zambia Revenue Authority (2016), The World Factbook (2021). How we calculate this
What's the Climate Like?
Monthly averages — select a city to compare.
Avg. annual high / low
Avg. annual high / low
| Months | Zagreb | Lusaka |
|---|---|---|
| Jan–Mar | 44°/29°F (7°/-2°C) | 80°/62°F (27°/17°C) |
| Apr–Jun | 69°/48°F (21°/9°C) | 77°/55°F (25°/13°C) |
| Jul–Sep | 77°/55°F (25°/13°C) | 79°/55°F (26°/13°C) |
| Oct–Dec | 50°/35°F (10°/2°C) | 85°/64°F (29°/18°C) |
View all months
| Month | Zagreb | Lusaka |
|---|---|---|
| Jan | 38°/25°F (3.1°/-4.0°C) | 80°/63°F (26.6°/17.1°C) |
| Feb | 43°/28°F (6.1°/-2.5°C) | 80°/62°F (26.5°/16.8°C) |
| Mar | 52°/34°F (11.3°/0.9°C) | 81°/62°F (27.0°/16.6°C) |
| Apr | 62°/41°F (16.4°/4.9°C) | 80°/59°F (26.5°/15.1°C) |
| May | 70°/49°F (21.3°/9.2°C) | 78°/55°F (25.3°/12.7°C) |
| Jun | 76°/55°F (24.6°/12.7°C) | 74°/51°F (23.4°/10.6°C) |
| Jul | 80°/58°F (26.7°/14.2°C) | 73°/50°F (23.0°/10.2°C) |
| Aug | 79°/57°F (26.2°/13.7°C) | 79°/54°F (25.9°/12.3°C) |
| Sep | 72°/51°F (22.3°/10.4°C) | 85°/60°F (29.4°/15.3°C) |
| Oct | 61°/42°F (16.2°/5.8°C) | 87°/64°F (30.8°/17.5°C) |
| Nov | 49°/35°F (9.3°/1.8°C) | 86°/64°F (29.9°/17.9°C) |
| Dec | 40°/29°F (4.4°/-1.9°C) | 81°/63°F (27.2°/17.3°C) |
Data:
Croatian Meteorological and Hydrological Service,
Zambia Meteorological Department (ZMD)
Visitor Visa Requirements
Short-stay tourist visa rules between Croatia and Zambia. To live, work, or study long-term in Zambia, you'll need a separate residence or work visa — check Zambia's immigration authority.
Croatia passport holder visiting Zambia
Visa Free
Zambia passport holder visiting Croatia
Visa RequiredData: Henley Passport Index. Check with the destination country's embassy for the most current requirements.
Frequently Asked Questions
Is it cheaper to live in Zambia than Croatia?
Yes — Zambia is on average about 43% cheaper than Croatia. City-level variation can be significant.
How much money do I need to move to Zambia?
Plan for at least 3 months of living expenses — roughly ZMW211,750 in Zambia on a HRK500,000 comparable salary — plus one-off moving costs (flights, shipping, a rental deposit, and visa fees).
Can I work remotely from Zambia?
Internet is rarely the blocker — Zambia has 0.8 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 Zambia safe for expats?
Croatia performs better than Zambia across all safety metrics. The homicide rate in Zambia is 5.2 per 100,000 people, compared to 0.7 in Croatia.
How is healthcare in Zambia compared to Croatia?
Zambia generally does better on health & wellbeing, though Croatia leads in doctors per 10,000 people. There are 3.2 doctors per 10,000 people in Zambia, compared to 39.1 in Croatia. Zambia scores 56 on the WHO universal health coverage index (Croatia: 80).
What's the weather like in Zambia compared to Croatia?
The average high temperature in Lusaka is 80°F, compared to 60°F in Zagreb. Lusaka receives around 31.4 in of rainfall per year, while Zagreb gets 33.7 in.
What language do they speak in Zambia?
The official language in Zambia is English. In Croatia, the official language is Croatian.
