Investing in real estate in Croatia: A guide to the Adriatic’s most promising opportunities

Imagine a sun-drenched coastline, villas with breathtaking views, and a real estate market that shows no signs of slowing down. That’s Croatia – a destination rapidly climbing the list of top places to invest in premium real estate. And no, it’s not just about the beauty of the Adriatic.

Croatia’s real estate market is undergoing a true renaissance. Economic stability, EU and Eurozone membership, a growing number of luxury developments, and strong international buyer interest all create fertile ground for investment. While prices still remain below Western European levels, the quality of life and return potential are steadily increasing.

In this guide, we explore why now is the right time to invest, which locations are the most attractive, what to expect in terms of costs and risks, and how Remington Real Estate can support you in making smart, informed decisions.

If you're looking for inspiration, numbers, and practical advice – welcome. And yes, you’ll hear the word real estate more than once. For good reason.

Why invest in Croatia?

Croatia is no longer the Mediterranean’s hidden gem – today, it’s a magnet for hedonists and investors alike. If you're serious about investing, here are a few concrete reasons why Croatia makes sense:

EU and eurozone member

By joining the Schengen Area and adopting the euro, Croatia has become even more attractive to international investors. No more currency conversion issues, and the freedom of movement simplifies property ownership, management, and access. The legal framework is more transparent, and the buying process faster and more straightforward.

A coastline that’s hard to resist

With over 1,000 kilometers of stunning coastline, Croatia offers exceptional locations that combine natural beauty with world-class infrastructure. Opatija, Rovinj, Split, Dubrovnik – each region has its own story and audience. Tourism is a major driver, attracting millions annually and generating steady income for luxury property owners.

Land at the end of a cul-de-sac with unobstructed sea views

Prices are still rising

In the past five years, property prices in high-demand areas have grown by up to 10% annually. This trend is particularly strong in the premium segment, where luxury villas, seafront apartments, and designer homes are seeing the highest demand. Investors recognize the potential for capital appreciation and strong rental returns.

Find out more in our blog: Why now is the right time to buy a home on the Croatian coast – real data, case studies, and advice for smart investors.

Types of real estate Investments: What’s right for you?

Before diving into numbers and locations, it’s important to understand which investment model suits you best. In Croatia, several approaches are available – each with its own benefits.

Buy for personal use and tourist rental 

Enjoy your own coastal home and rent it out when you're not using it. Ideal for couples or families seeking a mix of privacy and passive income.

Long-term rentals 

Cities like Zagreb, Split, and Rijeka show growing demand for quality long-term rentals. Students, digital nomads, professionals – all looking for well-designed homes in connected locations.

Buying land for development 

For those ready to take on a larger project, purchasing land and developing a luxury villa or apartment complex can be highly profitable. The key is clean documentation and access to infrastructure.

Renovation and resale 

Older houses and buildings in historical centers offer excellent potential. Examples include stone homes in Istria, palaces in Dubrovnik, or apartments in central Split.

Top locations for premium real estate investment

Let’s get to the heart of the matter: location, location, location. These are the most attractive investment hotspots in Croatia right now:

Opatija Riviera: Tradition, prestige, and investment security

The Opatija Riviera, known for its elegance and sophistication, is ideal for investors seeking long-term value. Towns like Opatija, Lovran, and Ičići offer luxury villas with sea views, impeccably renovated historic apartments, and modern developments.

Close to Rijeka and its international airport, well connected to Austria, Italy, and Germany, and with a rising medical and wellness tourism scene, the region provides a rare blend of tradition, luxury, and investment security. Though mature, the market still offers growth – especially in the high-end segment with premium amenities.

Modern mansion with panoramic sea view

Istria: A blend of hedonism and stability

Rovinj is Istria’s crown jewel, with prices reflecting its exclusivity. Poreč offers similar benefits, while the inland towns like Motovun attract buyers in search of peace, vineyards, and authenticity.

Kvarner: Best value for money

Opatija and Lovran combine aristocratic charm with modern infrastructure. Local governments are investing in transport improvements, while investors recognize the potential in wellness and medical tourism.

Dalmatia: Where luxury meets authenticity

Split is a fast-growing urban hub. Hvar and Brač offer high-value seasonal rentals, while Dubrovnik remains a timeless classic. On all these locations, luxury is no longer a bonus – it’s an expectation.

Related: Your guide to buying property in Croatia

Waterfront exclusive villa - Zadar

Taxes and costs you should know

Property Transfer Tax: 3% of the purchase price

Legal & Notary Fees: ~1.5 – 2% of total value

Agency Commission: Typically 3% + VAT

Annual Maintenance: For luxury properties, expect €5,000 – €15,000 depending on size and features

Risks and what to watch out for

Legal Status: Is the property registered and permitted?

Zoning and Infrastructure: Crucial when buying land

Market Cycles: Don’t buy in a hype – base your decision on analysis

Accessibility: A gorgeous plot without a road or water access is more frustration than asset

If you plan to rent out the property, check the tax implications. Rental income means tax obligations – especially for foreign nationals.

Modern villa with sea view - Krk

Why work with an agency specializing in premium real estate?

Independent investing is possible – but it brings legal, logistical, and time-related challenges. If you’re targeting the premium market, your support team needs to be just as premium. A collaboration with a luxury-focused agency like Remington Real Estate ensures:

• access to exclusive, off-market properties
• legal safety and expert guidance throughout the purchase process
• strategic consulting aligned with your investment goals
• discretion, transparency, and negotiation leverage

Like in any serious business, the best results come from a great team. And that’s exactly what Remington Real Estate offers – a local team with global standards.

Conclusion: Invest smart, live better

Investing in Croatian real estate is more than chasing returns – it’s about lifestyle, security, and long-term value. Croatia offers what many other destinations can’t: beauty, stability, authenticity, and infrastructure. All within easy reach.

If you’re considering diversifying your portfolio through real estate in Croatia, get in touch with the expert team at Remington Real Estate. Our knowledge of the premium segment, market dynamics, and access to exclusive properties will help you make informed, confident decisions.

Interested in learning more? Book a private consultation with Remington experts today.