for investors

Invest in real estate

Croatia – your next investment on the Adriatic Sea

Wondering where to put capital with the potential for stable growth?

As a licensed real estate agency, we will assist you in the purchase of a property and the subsequent handling of a long-term lease or vacation rental.

Croatia, and especially picturesque Dalmatia, is currently one of the most promising real estate markets in Europe. Combining the unique beauty of the Adriatic coast with growing tourist popularity and affordable (yet!) prices, Croatia offers investors a unique opportunity for an attractive return on investment.

In 2025, we see a continuation of the upward trend in the Croatian real estate market. Accession to the Eurozone in 2023 has further stabilized the economy and boosted the confidence of foreign investors. According to the latest data, prices of holiday properties in the most popular Dalmatian locations have increased by 8-12% over the past year, and forecasts indicate that this trend will continue.

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Types of real estate investments

Croatia’s real estate market offers a variety of investment opportunities. From apartments for short-term rentals, to properties for long-term rentals, to land for development and real estate projects. Each option has its own advantages and profit potential. Find out which form of investment best fits your goals and financial capabilities.

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Holiday properties

Apartments and villas for short-term rentals are the most popular form of investment in Croatia. The tourist season, once limited to July and August, now extends from April to October, and in some locations lasts year-round. A well-located property can yield as much as 7-15% annual gross return on investment.

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Long-term properties

The long-term rental market is growing especially in larger cities like Split and Zadar, where there is an increasing demand for housing for local workers and foreign professionals. This type of investment offers a smaller but more stable and predictable return, usually at 4-6% per year.

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Land for development

Buying a building plot, especially one with a sea view, is a long-term investment with the potential for a significant increase in value. The limited availability of such land, especially in the first coastline, makes its value steadily increase. Remember, however, that Croatian building regulations are quite restrictive, especially in the coastal zone.

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Development projects

For more experienced investors, development projects offer the highest potential return. Buying an older property, renovating it and selling or renting it out can yield as much as 10-40% profit. KokoStay offers comprehensive support for such projects, from purchase to management of the finished property.

Legal aspects for investors

Investing in real estate in Croatia is relatively simple, but it is helpful to know the key legal aspects. For EU citizens, the process is simplified, while non-EU investors must obtain additional approvals. Learn about buying rules, necessary documents and additional costs to safely realize your investment on the Adriatic Sea.

Being a licensed real estate agency, we assist in all formalities and aspects related to the legality of the entire transaction. We check the land registers making sure that the property in question is free of legal encumbrances and complicated co-ownerships.

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For EU citizens

As a citizen of the European Union, you have the right to purchase property in Croatia under the same rules as Croatian citizens.

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For non-EU citizens

If you are not an EU citizen, the process is a bit more complicated. You will need to obtain approval from the Croatian Ministry of Justice, which can add an additional 2-3 months to the process. Approval is usually granted if your country has a reciprocity agreement with Croatia.

Projected return on investment

The profitability of investing in vacation properties in Croatia depends on a number of factors, including location, property standard, season and management efficiency.

The projected return on investment is 4.75%+

KokoStay services for investors

At KokoStay, we offer comprehensive support to investors at every stage:

Support in the buying process

We help you find the perfect property, negotiate the price and conduct due diligence. Our legal team will make sure the transaction is secure and all the paperwork is completed.

Property management

After the purchase, we take over the full management of your investment – from marketing, to handling reservations and guests, to technical maintenance. You simply receive regular reports and transfers.

Maximize revenue

Thanks to our experience and knowledge of the market, we can optimize the price list, increase occupancy and maximize your revenue. Our clients often report a 20-30% increase in revenue after KokoStay takes over management.

Frequently asked questions

Can I get a mortgage in Croatia?

Yes, Croatian banks offer mortgages for foreigners, although they usually require a higher deposit (30-40%) and offer slightly higher interest rates than for residents.

What are the costs of maintaining a property in Croatia?

The cost of living is relatively low compared to Western Europe. Annual property taxes are minimal, and utilities and utilities are affordable. For an 80m² apartment, annual maintenance costs (excluding management) are around 1000-1500 euros.

Can I live in Croatia after buying a property?

The mere purchase of a property does not automatically give the right to stay. EU citizens can stay for up to 3 months without registration and then obtain a residence permit. Non-EU citizens must apply for a visa or residence permit.

What is the best time to buy property in Croatia?

The best time is usually late autumn and winter (November-March), when the market is less active and sellers are more willing to negotiate. This is also the time when you can quietly prepare the property before the next season.

Can I rent a property on my own?

Yes, but you have to report this information to the tax office. Every rental property must be officially registered and categorized, as well as meet certain safety and equipment standards.