Moving to Croatia from Netherlands

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What to Expect

A comprehensive look at what changes when you move from Netherlands to Croatia — from daily expenses to quality of life.

If you moved from Netherlands to Croatia, you would find that Croatia is 31.6% cheaper than Netherlands overall. A €64,304 salary in Netherlands would need to be roughly HRK336,847 in Croatia to maintain the same lifestyle, and you’d need to navigate life in Croatian.

How Far Will Your Money Go?

How your spending power changes when you relocate from Netherlands to Croatia.

What does your salary buy?

€64,304 HRK336,847

To maintain the same standard of living in Croatia

Calculate with your salary →

The biggest cost differences at a glance

Restaurants

pay 26.2% less

Groceries

pay 28.7% less

Transportation

pay 31.0% less

Housing

pay 43.3% less

Childcare

pay 49.0% less

Entertainment and Sports

pay 31.9% less

See full cost of living breakdown
Exchange rate: 1 EUR = 7.54 HRK (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?

Real numbers on people moving from Netherlands to Croatia, and how the trend has changed.

Living there in 2020
759 ↓ 6% vs 2015

people born in Netherlands live in Croatia · UN DESA

Who's moving to Croatia?

Top countries of origin for Croatia's foreign-born residents.

Foreign-born population · UN DESA (2020)

Key Indicator Comparison

How Netherlands and Croatia stack up on safety, healthcare, jobs, and infrastructure.

Is it safe?

Homicide rate United Nations SDG Indicators, 2022

per 100,000 people per year

NL
0.8
HR
0.8
Road traffic deaths United Nations SDG Indicators, 2021

per 100,000 people per year

NL
3.4
HR
8.1

Netherlands performs better than Croatia across all safety metrics.

How's the healthcare?

Healthcare spending per person World Bank, 2024

annual government + private spending per person

NL
$8,195
HR
$3,229
Doctors per 10,000 people United Nations SDG Indicators, 2021

affects wait times and access to care

NL
39.1
HR
36.1

Netherlands generally does better on health & wellbeing, though Croatia 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

NL
13.0
HR
31.0
CO₂ emissions per capita World Bank, 2024

tonnes of CO₂ emitted per person per year

NL
6.6t
HR
4.8t

Netherlands generally does better on environment, though Croatia leads in co₂ emissions per capita.

Will I have good infrastructure?

Broadband per 100 people United Nations SDG Indicators, 2022

fixed broadband subscriptions — key for remote work

NL
44.4
HR
27.0
Water stress level United Nations SDG Indicators, 2021

higher means greater strain on freshwater supply

NL
16.1%
HR
1.5%

Netherlands generally does better on infrastructure, though Croatia leads in water stress level.

What are the job prospects?

Unemployment rate The World Factbook, 2023

percentage of the labour force without work

NL
3.6%
HR
6.1%
GDP per capita The World Factbook, 2023

a broad measure of economic output per person

NL
$69,300
HR
$41,300

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

Is it good for families?

Life expectancy The World Factbook, 2022

average years of life at birth

NL
82.2 yrs
HR
77.2 yrs
Infant mortality The World Factbook, 2022

deaths per 1,000 live births — lower is better

NL
3.4
HR
8.7

Netherlands generally does better on family life, though Croatia leads in education spending.

Data: Tax and Customs Administration - Belastingdienst, The World Factbook, United Nations SDG Indicators, World Bank

What's the Climate Like?

Monthly averages — select a city to compare.

Amsterdam Rain: 30.7 in/yr (780 mm)
56° / 43°F

Avg. annual high / low

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

Avg. annual high / low

Months Amsterdam Zagreb
Jan–Mar 45°/34°F (7°/1°C) 44°/29°F (7°/-2°C)
Apr–Jun 61°/45°F (16°/7°C) 69°/48°F (21°/9°C)
Jul–Sep 69°/53°F (21°/12°C) 77°/55°F (25°/13°C)
Oct–Dec 50°/40°F (10°/4°C) 50°/35°F (10°/2°C)
View all months
Month Amsterdam Zagreb
Jan 42°/33°F (5.4°/0.5°C) 38°/25°F (3.1°/-4.0°C)
Feb 43°/32°F (6.0°/0.2°C) 43°/28°F (6.1°/-2.5°C)
Mar 49°/36°F (9.2°/2.4°C) 52°/34°F (11.3°/0.9°C)
Apr 54°/39°F (12.4°/4.0°C) 62°/41°F (16.4°/4.9°C)
May 63°/46°F (17.1°/7.8°C) 70°/49°F (21.3°/9.2°C)
Jun 67°/51°F (19.2°/10.4°C) 76°/55°F (24.6°/12.7°C)
Jul 71°/54°F (21.4°/12.5°C) 80°/58°F (26.7°/14.2°C)
Aug 71°/54°F (21.8°/12.3°C) 79°/57°F (26.2°/13.7°C)
Sep 65°/50°F (18.4°/10.2°C) 72°/51°F (22.3°/10.4°C)
Oct 57°/45°F (14.1°/7.0°C) 61°/42°F (16.2°/5.8°C)
Nov 49°/39°F (9.2°/3.9°C) 49°/35°F (9.3°/1.8°C)
Dec 44°/35°F (6.5°/1.9°C) 40°/29°F (4.4°/-1.9°C)

Data: Royal Netherlands Meteorological Institute Royal Netherlands Meteorological Institute, Croatian Meteorological and Hydrological Service Croatian Meteorological and Hydrological Service

Visitor Visa Requirements

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

Netherlands passport

Netherlands passport holder visiting Croatia

Visa Free
Netherlands passport holders can enter Croatia without a visa.
Croatia passport

Croatia passport holder visiting Netherlands

Visa Free
Croatia passport holders can enter Netherlands 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 Croatia than Netherlands?

Generally yes: Croatia runs about 30% cheaper than Netherlands on average, though it depends heavily on the city.

How much money do I need to move to Croatia?

A safe rule of thumb is 3 months of local expenses plus relocation costs. On a €64,304 comparable salary, that's around HRK84,212 in Croatia for everyday spending, before flights, shipping, deposits, and visa fees.

Can I work remotely from Croatia?

With 27.0 fixed broadband subscriptions per 100 people, Croatia can support video calls in major cities. The hard part is paperwork — visa category, employer policy on overseas staff, and tax residency in Netherlands and Croatia.

Is Croatia safe for expats?

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

How is healthcare in Croatia compared to Netherlands?

Netherlands generally does better on health & wellbeing, though Croatia leads in healthcare spending per person. There are 36.1 doctors per 10,000 people in Croatia, compared to 39.1 in Netherlands. Croatia scores 80 on the WHO universal health coverage index (Netherlands: 85).

What's the weather like in Croatia compared to Netherlands?

The average high temperature in Zagreb is 60°F, compared to 56°F in Amsterdam. Zagreb receives around 33.7 in of rainfall per year, while Amsterdam gets 30.7 in.

What language do they speak in Croatia?

The official language in Croatia is Croatian. In Netherlands, the official language is Dutch.

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At a Glance

NL HR
Population 17,400,824 4,188,853
Currency Euro (€) Croatian Kuna (HRK)
Languages Dutch Croatian
Driving side Right Right
Calling code +31 +385
Time zones 1 1
Emergency number 112 112