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Zagreb, Croatia
Photo: Nick Savchenko from Kiev, Ukraine · CC BY-SA 2.0 · Wikimedia Commons

Zagreb

Croatia · Europe · 767,131 people · Europe/Zagreb · EUR

Zagreb scores 66.8/100 for digital nomads under balanced weights, ranking 252 of 1501 cities. Expect about $1,927 per month, a nomad visa (Digital nomad temporary stay), and a measured median download speed of 57.5 Mbps.

Zagreb offers Croatia's digital nomad permit with a cheaper, less seasonal life than the coast. Café culture is strong; the sea is two hours away.

  • Café culture
  • Christmas market
  • Croatian nomad permit
  • Inland, no coast
Cost of living: 4.7 of 67 points (scores 42/100)Safety: 8.9 of 67 points (scores 80/100)Healthcare: 8.7 of 67 points (scores 78/100)Internet: 8.5 of 67 points (scores 77/100)Visa ease: 8.4 of 67 points (scores 75/100)Getting there & around: 4.4 of 67 points (scores 39/100)Climate: 4.6 of 67 points (scores 42/100)Air quality: 8.9 of 67 points (scores 80/100)Quality of life: 9.7 of 67 points (scores 88/100)67
Balanced score
out of 100
Vibe check
  • Cost4.7
  • Safety8.9
  • Health8.7
  • Internet8.5
  • Visa8.4
  • Mobility4.4
  • Climate4.6
  • Air8.9
  • QoL9.7

Rank 252 of 1,501

For US nomads

  • US passport entry
    90 days visa-free
    no visa needed for a visit
  • Time vs New York
    6 hours ahead of New York
    3h of a 9–6 day overlap with Eastern time
  • Time vs Los Angeles
    9 hours ahead of Los Angeles
    0h of a 9–6 day overlap with Pacific time
  • Non-stop from the US
    0 US airports
    Wikipedia, 2026-11

Prices are in US dollars. US citizens are taxed on worldwide income; the Foreign Earned Income Exclusion and state residency rules are worth a look before a long stay.

Eating out

OpenStreetMap, 2026-1117

307restaurants within 3 km

Mapped around the centre of Zagreb: plenty of choice within walking distance. A count of what is on the map, not a rating, and it does not affect the score.

How Zagreb scores, factor by factor

Superscripts link to the source list at the bottom. Country-level figures apply to all of Croatia.

Cost of living

Monthly cost for one person (log-scaled, cheaper is better).
42
  • Monthly cost, one person: $1,9272 · city-level, 2026-09
  • Central one-bedroom rent: no data3 · city-level, 2026-09 — no city-level rent row in the WhereToEmigrate dataset

Safety

Homicide rate and political stability (country-level).
80
  • Homicide rate: 1.01 per 100k5 · country-level, 2024
  • Political stability: 77.6/1006 · country-level, 2025

Healthcare

WHO universal-health-coverage index and life expectancy (country-level).
78
  • UHC service coverage: 76/1007 · country-level, 2023
  • Life expectancy: 78.6 years8 · country-level, 2023

Internet

Median measured download and upload speed (M-Lab, city-level; the province or country aggregate where the city has too few tests).
77
  • Median download: 57.5 Mbps9 · city-level, 2024
  • Median upload: 19.1 Mbps9 · city-level, 2024
  • Tests measured: 7,5029 · city-level, 2024
  • Starlink: Available10 · country-level, 2026-10, not scored

Visa ease

How easily your passport gets in and stays: visa-free days, eTA, visa on arrival, e-visa or consular visa, plus a nomad visa and how affordable its income threshold is. Averages US, EU and UK passports until you pick yours.
75
  • Nomad visa: Digital nomad temporary stay11 · min income $4,066/mo
  • Entry, US passport: 90 days12 · country-level, 2026-02
  • Entry, EU passport: unlimited12 · country-level, 2026-02
  • Entry, UK passport: 90 days12 · country-level, 2026-02

Getting there & around

Non-stop airport destinations (hub size) plus editorial walkability and transit ratings.
39
  • Non-stop destinations from ZAG: 6513 · city-level, 2026-11
  • Walkability: 4/514 · editorial, 2026-09
  • Public transit: 4/514 · editorial, 2026-09

Climate

Share of months that are comfortable: 59–82°F (15–28 °C) mean, at most 5.9 in (150 mm) rain, at most 85% humidity.
42
  • Comfortable months: 5 of 1215 · city-level, 2001–2020 normals

Air quality

Annual mean PM2.5 on a fixed scale: 5 µg/m³ (WHO guideline) scores 100, 50 µg/m³ or worse scores 0.
80
  • Annual mean PM2.5: 13.9 µg/m³16 · city-level, 2024

Quality of life

Human Development Index and English proficiency (country-level).
88
  • Human Development Index: 0.88918 · country-level, 2023
  • English proficiency: very-high19 · country-level, 2024

What does Zagreb cost per month?

Total, one person$1,927city, outskirts one-bedroom
One-bedroom rent, centreno datacity-level rent unavailable
Country cost index (US = 100)41country

Can you stay legally?

Digital nomad visa · Croatia

Digital nomad temporary stay

Not yet reviewedSubmit a review →
Income
$4,066/month
Initial stay
18 months, not renewable
Apply
Consulate, then in the country
Read the Croatia digital nomad permit guide →for Zagreb
Nomad visaDigital nomad temporary stay
Minimum income$4,066/month
US passport90 days
EU passportunlimited
UK passport90 days

Visa rules change often. Verify with the issuing government before you book.

Do you pay tax here on income from abroad?

Tax status · Croatia

Worldwide tax at 15%–33%, but non-EU digital nomad permit holders pay none on their foreign work pay

Worldwide income

Croatian tax residents (a home or 183 days' stay) pay tax on their worldwide income: 15%–33% on salary and freelance profit, depending on the municipality, and a flat 12% on dividends, interest, capital gains and rent. Holders of the non-EU digital nomad permit pay no Croatian income tax on pay from a foreign employer or their own foreign company. Other income is still taxed. There is no wealth tax, and inheritance and gift tax is 4%.

  • Remote work income

    Salary from a foreign employer or fees from foreign clients

    Taxed

    15%–23% up to €60,000 a year and 25%–33% above it, at rates set by each municipality

  • Investments and pensions

    Dividends, interest, gains, rent and pensions from abroad

    Taxed

    12% flat on dividends, interest, capital gains and net rent; foreign pensions at 15%–33%

  • Wealth

    Net wealth and inheritance

    No wealth tax

    Inheritance tax applies

Tax resident after
183 days a year
Top income tax rate
33%

On the nomad visa

Article 9(1)(26) of the Income Tax Act exempts from income tax receipts that individuals earn from employment or an activity for an employer not registered in Croatia, on the basis of acquired digital nomad status. It was added by NN 138/2020 and has applied since 1 January 2021. The Ministry of the Interior grants that status to non-EU nationals who work through communication technology for a foreign company or their own company registered outside Croatia, and who do not work for Croatian employers. It accepts an employment contract, a service contract with a foreign employer, or your own company's registration as proof. So employees and owners of their own foreign company are clearly covered. A freelancer with several foreign clients and no company falls outside the law's 'for an employer' wording. We found no Tax Administration guidance on that case, so treat it as uncertain. The exemption lasts only as long as the status, at most 18 months. It covers only that work income: dividends, interest, capital gains, rent and pensions are taxed normally if you are a Croatian tax resident. Your home country may still tax your salary.

Not yet reviewed by a person · compiled from official pages read on 2026-10-27

General information, not tax advice. Tax treaties, your citizenship and your home country's exit rules can change the answer. US citizens are taxed by the US wherever they live.

Airports and nonstop flights

Zagreb is served by one airport.

AirportNonstop destinationsInternationalFrom US airports
ZAGZagreb Airport65600

Wikipedia airport pages as of 2026-11: seasonal routes included, charters and announced-but-not-started routes excluded.

What is the weather like through the year?

Comfortable months by our rule: May–Sep. Rank cities for Jun–Aug →

MonthJanFebMarAprMayJunJulAugSepOctNovDec
Mean °F313442526069737262524233
Rain in22.42.32.43.63.43.23.34.23.33.12.5
Humidity %928983777469636271829092

Green temperatures mark months that meet the comfort rule (59–82°F, ≤5.9 in rain, ≤85% humidity). NASA POWER 2001–2020 climatology at the city coordinates.

Where can you stay in Zagreb?

Three ways to live here, and what each does to the monthly budget. Rents are the one-bedroom figures from the cost table; hotels and short lets are priced per night and cost more, most of all in high season.

OptionRent per monthMonthly totalNotes
One-bedroom outside the centre—$1,927The basis of the monthly cost and the cost score.
One-bedroom in the centre——No city-level rent figure for this city.
Hotel or short let——For the first weeks or a stay under a month. Compare hotels on Navoy →

Monthly rents assume an unfurnished lease of six months or more; furnished monthly lets usually cost 20 to 50 percent more.

Cities with a similar profile

Also in Europe: A Coruña, Aachen, Aalborg, Aarhus, Aberdeen, Adana

Ready to see Zagreb for yourself?

Nostos tells you where. Navoy, the AI travel planner behind it, builds the trip: itineraries, places to stay and what to book before you land.

Opens on navoy.io.

The vibe

What people post about living in Zagreb, read for its mood. It is a reading of opinions, not a fact, and it is not part of the score.

Mixed · 52Little substantive first-hand content; mostly praise for cost-of-living videos and a sponsored tourist-board event, so the picture is thin and roughly neutral.

People praise
  • affordable cost of living
  • nomad visa availability
  • welcoming digital nomad community
  • clear cost breakdowns
People warn about
  • expensive gyms
  • hard for foreigners to find long-term rentals
  • unclear if a month offers enough to do
  • bus transport pricing questions
  • Zagreb seems affordable for nomads on a budget
  • Long-term apartment rental is harder for foreigners than expected
  • Fitness options are small and costly compared to elsewhere
  • Unclear whether a month offers enough activities to stay engaged
  • Most positive content is promotional, so weigh it cautiously

Read from 7 videos, 25 comments and 0 posts on 2026-11-08; the summary is written by a language model and can misread sarcasm.

Frequently asked

How much does it cost to live in Zagreb as a digital nomad?
A single person typically spends about $1,927 per month in Zagreb. That is a 42/100 cost score, where 100 is the cheapest city in the dataset.
Is Zagreb safe for digital nomads?
Zagreb scores 80/100 on safety. Croatia records 1.01 homicides per 100,000 people per year (WHO, 2024) and a political-stability score of 77.6/100 (World Bank WGI). Both figures are national, so neighbourhood-level risk can differ.
Does Croatia have a digital nomad visa?
Yes. Croatia offers the Digital nomad temporary stay with a minimum income of about $4,066 per month. Verify current rules with the issuing authority before applying. Full guide: https://nostos.navoy.io/visas/croatia
How fast is the internet in Zagreb?
Measured median download speed in Zagreb was 57.5 Mbps (upload 19.1 Mbps) across 7,502 M-Lab tests in 2024. Measured speeds run below advertised plan speeds everywhere, so compare cities rather than reading the number as a plan.
Is Starlink available in Zagreb?
Yes. Starlink's availability map lists residential service as available in Croatia (checked 2026-10), so a dish can serve as a backup line in Zagreb. Check the exact address on starlink.com before ordering, since capacity varies by area.
Which airports serve Zagreb and how many nonstop flights are there?
Zagreb is served by Zagreb Airport (ZAG) with 65 nonstop destinations, of which 60 are international. 0 US airports have a nonstop link. Source: Wikipedia, 2026-11.
When is the best time of year to be in Zagreb?
The most comfortable months are May, Jun, Jul, Aug, Sep. Mean temperatures range from 31°F (-1°C) in Jan to 73°F (23°C) in Jul (NASA POWER 2001–2020 climatology).
Zagreb or Thessaloniki: which is better for digital nomads?
Thessaloniki is the city with the closest factor profile to Zagreb in this dataset. Which one wins depends on your weights; the comparison page puts every factor side by side with the numbers behind them.

Sources

Dataset 2026.11.3, published 2026-11-10. Download the full dataset or read the methodology.

  1. 1.City population (latest census or official estimate), Wikipedia (citing national statistics offices). CC BY-SA 4.0. Retrieved 2026-09-22. City-proper figures; the per-city source URL is stored with the seed row.
  2. 2.WhereNext city cost estimates 2026 (city pages), WhereNext. CC BY 4.0. Retrieved 2026-09-22. The '~$X/mo' single-person estimate published on each city page (the API only exposes countries). Scaled to the WhereToEmigrate basket by the median ratio observed on cities both sources cover, so figures are comparable across the dataset; the scaling factor is recorded in the value's note on /methodology. Where the headline estimate is below the city's own outskirts one-bedroom rent divided by 0.55 (rent at most 55% of a single person's spending), the total is raised to that floor; the page's figure is implausibly low there.
  3. 3.Cost of Living Global 2026 (city rows), WhereToEmigrate. CC BY 4.0. Retrieved 2026-09-22. monthly_cost_single_eur and rent_1br_center_eur, converted to USD at the ECB reference rate on the retrieval date (see ecb-frankfurter).
  4. 4.2026 Cost of Living Index (country level), WhereNext. CC BY 4.0. Retrieved 2026-09-22. Country-level monthly estimate used only where no city-level figure exists; cost_index kept for every city.
  5. 5.Victims of intentional homicide per 100,000 population (national data, latest year), United Nations Office on Drugs and Crime, dataUNODC. UNODC data, free to reuse with attribution. Retrieved 2026-10-12. Police- or statistics-office-recorded rates reported to UNODC's crime-trends survey, latest year per country (2024 for most), both sexes, all ages; the United Kingdom uses England and Wales. Replaces the WHO modelled estimate wherever UNODC has a figure from 2018 or later; WHO's 2021 estimates ran several times above recorded figures for El Salvador and Honduras. Workbook data_cts_intentional_homicide.xlsx (July 2026) reduced by scripts/build-dataset/inputs/convert-unodc-homicide.py.
  6. 6.Worldwide Governance Indicators — Political Stability and Absence of Violence (score 0–100), World Bank. CC BY 4.0. Retrieved 2026-09-22.
  7. 7.UHC service coverage index, World Health Organization, Global Health Observatory. CC BY-NC-SA 3.0 IGO (WHO data policy). Retrieved 2026-09-22.
  8. 8.Life expectancy at birth (years), both sexes, World Health Organization, Global Health Observatory. CC BY-NC-SA 3.0 IGO (WHO data policy). Retrieved 2026-09-22.
  9. 9.M-Lab NDT statistics (city aggregates, 2024), Measurement Lab. CC0 1.0. Retrieved 2026-09-22. Median of daily median download/upload throughput over 2024 for the city aggregate; sample count is the number of tests. Speeds reflect user-initiated tests, not advertised plans.
  10. 10.Starlink availability map, SpaceX (Starlink). Factual status cited from starlink.com. Retrieved 2026-10-07. Residential service status per country from the file Starlink's map loads. Grouped as on the map: launched or available = available; coming soon, pending regulatory approval or test = coming soon; blacklisted = not offered; unknown or excluded = unknown. Shown on city pages and as a ranker filter; not part of any score. Roaming and maritime plans can work in more places.
  11. 11.Nostos long-stay visa guides, Navoy. CC BY 4.0. Retrieved 2026-10-04. One record per country in data/manual/visas/<iso2>.json, compiled into data/visa-guides.json. Each guide lists the official government pages it was compiled from with retrieval dates. A guide's `verification` field is set only when a named person has re-read every source; until then pages say the guide is not yet reviewed by a person.
  12. 12.Passport Index dataset (visa requirements, 199 passports × 199 destinations), Ilya Ilyankou (compiled from passportindex.org). MIT. Retrieved 2026-09-22. Days per visit where stated; 'visa free' without a limit is credited as unlimited; eTA, visa on arrival, e-visa and visa required are credited 0 days for scoring but shown by kind. The default US/EU/UK figures use the US, German and British passports.
  13. 13.Airport destinations (Wikipedia airline and destination tables), Wikipedia contributors; countries via Wikidata. CC BY-SA 4.0. Retrieved 2026-09-24. Distinct destination airports listed in each airport article's passenger table, resolved through Wikidata. Seasonal routes count; charters and routes announced but not yet flying are excluded. The as-of date is the newest article revision among the city's airports. Falls back to the OpenFlights snapshot when an airport has no article or table.
  14. 14.Walkability and transit ratings (editorial), Navoy. CC BY 4.0. Retrieved 2026-09-22. Judgment ratings, not measurements. Explained on /methodology.
  15. 15.NASA POWER climatology (2001–2020 monthly means), NASA Langley Research Center. Public domain (US Government). Retrieved 2026-09-22. T2M, PRECTOTCORR and RH2M at the city coordinates (0.5° grid). Monthly precipitation = mm/day × days in month.
  16. 16.WHO Ambient Air Quality Database, June 2026 update (V8), World Health Organization. CC BY-NC-SA 3.0 IGO (WHO data policy). Retrieved 2026-09-22. Annual mean PM2.5 for the most recent year available for the city.
  17. 17.OpenStreetMap restaurants (Overpass API), OpenStreetMap contributors. ODbL 1.0. Retrieved 2026-10-02. Count of OpenStreetMap elements tagged amenity=restaurant within 3 km of the city centre coordinate. Measures how many restaurants are mapped, which tracks real density well where OpenStreetMap is well maintained (Europe, the Americas, East and Southeast Asia) and under-counts where it is not (parts of Africa and Central Asia).
  18. 18.Human Development Index (HDR 2025, HDI 2023), United Nations Development Programme. CC BY 3.0 IGO. Retrieved 2026-09-22.
  19. 19.EF English Proficiency Index 2024 (band), EF Education First. Proprietary; band cited as a fact with attribution. Retrieved 2026-09-22. Only the proficiency band is stored, transcribed by hand from the public ranking.