Moving to Croatia from Switzerland

moving to

What to Expect

Considering a move from Switzerland to Croatia? Here's how the two compare on cost, climate, safety, and more.

If you moved from Switzerland to Croatia, you would find that Croatia is 54.3% cheaper than Switzerland overall. A CHF62,000 salary in Switzerland would need to be roughly HRK229,000 in Croatia to maintain the same lifestyle, and you’d need to navigate life in Croatian.

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How Far Will Your Money Go?

A breakdown of how everyday costs differ between Switzerland and Croatia.

What does your salary buy?

CHF62,000 → HRK229,000

To maintain the same standard of living in Croatia

Calculate with your salary →

How key spending categories compare

Restaurants

pay 53.6% less

Groceries

pay 46.8% less

Transportation

pay 43.3% less

Housing

pay 58.9% less

Childcare

pay 81.6% less

Entertainment and Sports

pay 54.3% less

See full cost of living breakdown
Exchange rate: 1 CHF = 8.11 HRK (October 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.

Cost of living by city

Cost of living varies a lot by city. Each figure is a city's overall cost of living as a percentage of New York City (the priciest, = 100%).

On average, cities in Croatia cost about 47% less than cities in Switzerland.

Switzerland

Baden 98%
Zurich 98%
Nyon 90%
Geneva 90%
Vevey 88%

Croatia

Dubrovnik 49%
Zadar 44%

Compare cities head-to-head

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Who Else Is Making This Move?

What the data shows about people moving from Switzerland to Croatia.

Living there in 2020
2,830 ↓ 6% vs 2015

people born in Switzerland 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

The numbers behind daily life in Croatia compared to Switzerland.

Is it safe?

Homicide rate World Bank, 2023

per 100,000 people per year

CH
0.6
HR
0.7
Road traffic deaths United Nations SDG Indicators, 2021

per 100,000 people per year

CH
2.4
HR
8.1

Switzerland performs better than Croatia across all safety metrics.

How's the healthcare?

Healthcare spending per person World Bank, 2023

annual government + private spending per person

CH
$10,602
HR
$3,229
Doctors per 10,000 people World Bank, 2022

affects wait times and access to care

CH
44.8
HR
39.1

Switzerland 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

CH
10.0
HR
31.0
CO₂ emissions per capita World Bank, 2024

tonnes of CO₂ emitted per person per year

CH
3.8t
HR
4.8t

Switzerland performs better than Croatia across all environment metrics.

Will I have good infrastructure?

Broadband per 100 people World Bank, 2024

fixed broadband subscriptions — key for remote work

CH
47.0
HR
29.6
Water stress level World Bank, 2022

higher means greater strain on freshwater supply

CH
6.5%
HR
1.5%

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

What are the job prospects?

Unemployment rate World Bank, 2025

percentage of the labour force without work

CH
4.9%
HR
5.0%
GDP per capita World Bank, 2025

a broad measure of economic output per person

CH
$114,769
HR
$27,104

Switzerland performs better than Croatia across all employment & economy metrics.

Is it good for families?

Life expectancy World Bank, 2024

average years of life at birth

CH
84.4 yrs
HR
78.9 yrs
Infant mortality World Bank, 2024

deaths per 1,000 live births — lower is better

CH
3.4
HR
4.1

Switzerland performs better than Croatia across all family life metrics.

Sources: World Bank (2021–2025), United Nations SDG Indicators (2019–2021), World Health Organization (2024), Swiss Federal Tax Administration (2016), Croatia Tax Administration (2016). How we calculate this

What's the Climate Like?

Monthly averages — select a city to compare.

Bern Rain: 42.8 in/yr (1086 mm)
55° / 41°F

Avg. annual high / low

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

Avg. annual high / low

Months Bern Zagreb
Jan–Mar 41°/30°F (5°/-1°C) 44°/29°F (7°/-2°C)
Apr–Jun 62°/45°F (17°/7°C) 69°/48°F (21°/9°C)
Jul–Sep 70°/53°F (21°/12°C) 77°/55°F (25°/13°C)
Oct–Dec 46°/36°F (8°/2°C) 50°/35°F (10°/2°C)
View all months
Month Bern Zagreb
Jan 36°/27°F (2.0°/-2.8°C) 38°/25°F (3.1°/-4.0°C)
Feb 40°/29°F (4.2°/-1.9°C) 43°/28°F (6.1°/-2.5°C)
Mar 47°/33°F (8.3°/0.6°C) 52°/34°F (11.3°/0.9°C)
Apr 55°/39°F (12.6°/3.7°C) 62°/41°F (16.4°/4.9°C)
May 63°/46°F (17.3°/7.7°C) 70°/49°F (21.3°/9.2°C)
Jun 69°/51°F (20.5°/10.8°C) 76°/55°F (24.6°/12.7°C)
Jul 73°/55°F (23.0°/12.8°C) 80°/58°F (26.7°/14.2°C)
Aug 72°/54°F (22.0°/12.4°C) 79°/57°F (26.2°/13.7°C)
Sep 66°/50°F (18.8°/10.0°C) 72°/51°F (22.3°/10.4°C)
Oct 56°/43°F (13.3°/6.2°C) 61°/42°F (16.2°/5.8°C)
Nov 44°/35°F (6.9°/1.4°C) 49°/35°F (9.3°/1.8°C)
Dec 37°/29°F (2.9°/-1.7°C) 40°/29°F (4.4°/-1.9°C)

Data: MeteoSwiss - Federal Office of Meteorology and Climatology MeteoSwiss - Federal Office of Meteorology and Climatology, Croatian Meteorological and Hydrological Service Croatian Meteorological and Hydrological Service

Visitor Visa Requirements

Short-stay tourist visa rules between Switzerland 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.

Switzerland passport

Switzerland passport holder visiting Croatia

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

Croatia passport holder visiting Switzerland

Visa Free
Croatia passport holders can enter Switzerland 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 Switzerland?

On average Croatia is about 54% less expensive than Switzerland, with major cities narrowing the gap.

How much money do I need to move to Croatia?

Budget about HRK57,250 for 3 months in Croatia (based on a CHF62,000 comparable annual salary), then add the one-off costs: flights, shipping, a rental deposit, and visa fees.

Can I work remotely from Croatia?

Connectivity is usually fine (Croatia: 29.6 fixed broadband per 100). What actually decides it is legal: does Croatia offer a digital nomad visa, will your employer permit overseas work, and where are you tax-resident?

Is Croatia safe for expats?

Switzerland performs better than Croatia across all safety metrics. The homicide rate in Croatia is 0.7 per 100,000 people, compared to 0.6 in Switzerland.

How is healthcare in Croatia compared to Switzerland?

Switzerland generally does better on health & wellbeing, though Croatia leads in healthcare spending per person. There are 39.1 doctors per 10,000 people in Croatia, compared to 44.8 in Switzerland. Croatia scores 80 on the WHO universal health coverage index (Switzerland: 86).

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

The average high temperature in Zagreb is 60°F, compared to 55°F in Bern. Zagreb receives around 33.7 in of rainfall per year, while Bern gets 42.8 in.

What language do they speak in Croatia?

The official language in Croatia is Croatian. In Switzerland, the official languages are French, Italian, Romansh and Swiss German.

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At a Glance

CH HR
Population 9,092,436 3,876,200
Currency Swiss Franc (CHF) Croatian Kuna (HRK)
Languages French, Italian, Romansh, Swiss German Croatian
Driving side Right Right
Calling code +41 +385
Time zones 1 1
Emergency number 112 112