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Rent or buy a flat in Zagreb?

Enter the flat's price, your down payment and the loan term. We put the mortgage and the costs of buying next to the rent similar flats in the same area ask today, month by month and over the whole term. We don't tell you which pays off: that depends on things only you know.

The flat
Buying

The part of the price you pay without a loan. From 1 Oct 2026 the HNB limits banks to loans of up to 90 % of the flat's value (with small exceptions).

Leave empty for 30 years, the most the HNB generally allows.

HNB average for new housing loans: 2.91 % nominal, 3.28 % effective (August 2026). Enter your bank's offer.

3 % of the market value, paid by the buyer. A new build from a developer has VAT in the price: enter 0. Buyers under 45 can claim the tax back on a first home (APN).

Notary (solemnising a €200,000 contract costs €370 by the tariff), valuation, agency, loan processing.

By law at least 0.36 € per m² a month; many buildings pay more.

Renting

Leave empty to use the median asking rent of similar flats in the area.

A person between two schematic buildings, newer and older.A person between two schematic buildings, newer and older.
  • Every number is yours and visible: change the price, down payment, term and rate; the suggested values have a source and a date.
  • The rent is the median asking rent of similar flats in the same area over the last 90 days, with the number of listings behind it. You can enter your own.
  • We don't assume prices or rents will rise and we give no verdict. You get the same months and years side by side.

What these numbers leave out

  • Changes in the flat's price: we don't know whether it will rise or fall, so we don't assume either.
  • Rent increases: we use today's rent for the whole term.
  • Repairs and furnishing: you pay them when you own; when you rent, mostly the landlord does.
  • What your own money could earn elsewhere.
  • Utilities: you pay them either way, so they're left out.
  • Bank fees and loan insurance: ask your bank and add them to the other costs.

Average rate: HNB, new housing loans to households, 2.91 % (August 2026); transfer tax and building reserve per the regulations, checked 20 Oct 2026. HNB, kamatne stope kreditnih institucija (tablica G2)

Useful next

Common questions

Is it better to take a mortgage or keep renting?
It depends on the flat's price, your down payment, the interest rate and how long you'll stay, so we don't answer it for you. The calculator on this page puts the mortgage payment and the costs of buying next to the rent similar flats in the same area ask today, for your numbers.
What is the mortgage interest rate in Croatia?
The average nominal rate on new housing loans to households was 2.91 %, and the effective rate 3.28 % (August 2026; HNB, table G2). The calculator computes the payment on the nominal rate; the effective rate adds the loan's costs.
How much tax do you pay when buying a flat in Croatia?
The real estate transfer tax is 3 % of the flat's market value and the buyer pays it. On top come the notary (about €370 for a 200,000 € sale) and the loan's costs.
How much of my own money do I need for a mortgage?
From 1 October 2026 the HNB limits a housing loan to at most 90 % of the property's value and 30 years (with a small share of exceptions), so you need at least 10 % of the price yourself, plus the tax and costs.
How much is the building reserve for an owner?
The legal minimum reserve is 0.54 % a year of the construction reference value, about 0.36 € per m² a month (Act on the Management and Maintenance of Buildings, Art. 29(3)). A building can decide on more.