CITY / CITYComparación de ciudades verificada
Splitvs.Zagreb.
Split sale mejor en 1 de 8 datos principales; Zagreb, en 0. Cost of living (single, excl. rent): Split $850/mo, Zagreb $850/mo. Freelancer tax burden: Split 7,6%, Zagreb 7,6%. Climate comfort: Split 5/12 mo, Zagreb 5/12 mo.
Verificado
14 criterios comparados · 18 fuentes · los datos de país aparecen marcados como heredados
hr / hr · SettleMetric
01
Las diferencias clave
Las cifras clave cara a cara, con el lado más fuerte señalado. La puntuación global es decorativa; lo que importa es qué datos encajan contigo.
Resultado principal
Split va por delante en 1 de 8
Split
1
Zagreb
0
01Cost of living (single, excl. rent)
Split
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
Zagreb
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
02Freelancer tax burden
Split
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
Zagreb
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
03Homicide rate
Split
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
Zagreb
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
04Climate comfort
Split
5/12 mo
SettleMetric computation over climate-normals
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.4°C), May (23.4), Sep (25.4), Oct (20.5), Nov (15.6) = 5. June misses (28.1°C, just above 28); Jul/Aug too hot (31/30.9°C); Dec–Mar too cool. No month is disqualified by rainfall (max is Nov 119.8mm < 150).
Zagreb
5/12 mo
SettleMetric computation over climate-normals (Zagreb-Maksimir WMO 14240)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.0°C), May (22.4°C), Jun (26.2°C), Sep (22.6°C), Oct (17.0°C) = 5. Jul and Aug are excluded because mean daily max is 28.1°C, just above the 28°C ceiling; Mar (13.0°C) is below the 15°C floor.
05Internet speed
Split
40 Mbps
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
Zagreb
40 Mbps
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
06English proficiency
Split
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
Zagreb
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
07Private healthcare cost
Split
$1400/yr
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
Zagreb
$1400/yr
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
08Air quality (PM2.5)
Splitmejor
9,7 µg/m³
EEA European city air quality viewer (EEA-verified city annual mean)
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- EEA-verified city annual-mean PM2.5 for Split, 9.7 µg/m³ (via the EU Air Quality Tracker's EEA-verified city table; the interactive EEA viewer itself does not expose the number to a plain fetch). Consistent with Split being a clean, windy Adriatic coastal city — well below Zagreb (~13.9) and far below Kraków/Warsaw. Cross-checked against WHO/real-time aggregators (annual PM2.5 ≈ 13 µg/m³), which run higher on unverified real-time feeds.
- Notas
- Value ≈ 9.7 µg/m³ — about 2× the WHO 2021 guideline (5) but already below the EU 2030 limit (10) and far under the current EU limit (25). Reference year approximate (EEA viewer uses a rolling ~2-year window; recorded as 2023 to match the sibling Poland city files' basis). To be refined if a station-level EEA download with an explicit year is obtained for a Split monitoring station.
Zagreb
13,9 µg/m³
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.
02
¿Qué ciudad encaja con tu plan?
Cada perspectiva pondera solo los datos que importan a ese plan y dice a qué lado favorece.
Informática remota / autónomo
Contrato o trabajo por cuenta propia en tecnología, facturando a clientes de fuera.
Muy reñido para este plan
01Freelancer tax burden
Split
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
Zagreb
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
02Internet speed
Split
40 Mbps
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
Zagreb
40 Mbps
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
03English proficiency
Split
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
Zagreb
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
04Cost of living (single, excl. rent)
Split
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
Zagreb
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
05Domestic delivery quality
Split
Good
Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).
- Notas
- Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.
Zagreb
Good
Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).
- Notas
- Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.
Familia
Mudarse con pareja e hijos en edad escolar.
Muy reñido para este plan
01International schools
Split
2
IB World Schools directory (ibo.org) — verified per-school entries for Split
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Both verified individually against the official IB directory: (1) Split International School / Aspalathos Međunarodna Škola — IB code 062271, authorised 2023-04-25, English (ibo.org/en/school/062271; also holds a US MSA-accredited high-school diploma; campus in Dugopolje in the Split metro area); (2) Split International School Harfa — IB code 062367, authorised 2024-01-12, English/Croatian (ibo.org/en/school/062367). No Cambridge International / CIS / COBIS / AEFE / German-Auslandsschule school was found in Split (the British/Cambridge and American international schools are all in Zagreb).
- Notas
- Count = 2, both IB World Schools verified against the IB accreditor registry (not aggregator sites). Second IB entry: ibo.org/en/school/062367. Metro-area basis includes Dugopolje (≈15 km inland). Small but genuine international-school provision for a mid-sized coastal city.
Zagrebmejor
6
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Count of Zagreb schools verified against a qualifying accreditor's own registry: (1) American International School of Zagreb — IB, ibo.org school 001466; (2) Matija Gubec International School — IB, ibo.org school 002363; (3) XV. Gimnazija — IB, ibo.org school 000618; (4) British International School of Zagreb — Cambridge International Education registered; (5) École française internationale de Zagreb — AEFE conventionné (aefe.gouv.fr/fr/etablissements/ecole-francaise-internationale-de-zagreb); (6) Deutsche Internationale Schule Zagreb — ZfA Deutsche Auslandsschule, KMK-recognised.
- Notas
- Only accreditor-verified schools are counted (not IB-only). Three further schools appear on aggregator lists — American Academy in Zagreb, Bright Horizons/International British School of Zagreb, PKG European School Zagreb — but could not be confirmed against a qualifying accreditor's own registry (IB/Cambridge/College Board/AEFE/ZfA/CIS/COBIS) at verification time, so they are excluded. Count is therefore a conservative floor (±2).
02Homicide rate
Split
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
Zagreb
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
03Private healthcare cost
Split
$1400/yr
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
Zagreb
$1400/yr
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
04Air quality (PM2.5)
Splitmejor
9,7 µg/m³
EEA European city air quality viewer (EEA-verified city annual mean)
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- EEA-verified city annual-mean PM2.5 for Split, 9.7 µg/m³ (via the EU Air Quality Tracker's EEA-verified city table; the interactive EEA viewer itself does not expose the number to a plain fetch). Consistent with Split being a clean, windy Adriatic coastal city — well below Zagreb (~13.9) and far below Kraków/Warsaw. Cross-checked against WHO/real-time aggregators (annual PM2.5 ≈ 13 µg/m³), which run higher on unverified real-time feeds.
- Notas
- Value ≈ 9.7 µg/m³ — about 2× the WHO 2021 guideline (5) but already below the EU 2030 limit (10) and far under the current EU limit (25). Reference year approximate (EEA viewer uses a rolling ~2-year window; recorded as 2023 to match the sibling Poland city files' basis). To be refined if a station-level EEA download with an explicit year is obtained for a Split monitoring station.
Zagreb
13,9 µg/m³
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.
05English proficiency
Split
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
Zagreb
Very high
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
Dinero y cripto
Optimizar impuestos, banca y normas sobre cripto.
Muy reñido para este plan
01Crypto regulation
Split
Legal regulated
Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.
Zagreb
Legal regulated
Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.
02Financial control level
Split
Low
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.
- Notas
- Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.
Zagreb
Low
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.
- Notas
- Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.
03Freelancer tax burden
Split
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
Zagreb
7,6%
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
Vida tranquila
Priorizar la seguridad, el aire y una vida diaria sencilla.
Split encaja mejor: 1 de 4
01Homicide rate
Split
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
Zagreb
1,01/100k
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
02Air quality (PM2.5)
Splitmejor
9,7 µg/m³
EEA European city air quality viewer (EEA-verified city annual mean)
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- EEA-verified city annual-mean PM2.5 for Split, 9.7 µg/m³ (via the EU Air Quality Tracker's EEA-verified city table; the interactive EEA viewer itself does not expose the number to a plain fetch). Consistent with Split being a clean, windy Adriatic coastal city — well below Zagreb (~13.9) and far below Kraków/Warsaw. Cross-checked against WHO/real-time aggregators (annual PM2.5 ≈ 13 µg/m³), which run higher on unverified real-time feeds.
- Notas
- Value ≈ 9.7 µg/m³ — about 2× the WHO 2021 guideline (5) but already below the EU 2030 limit (10) and far under the current EU limit (25). Reference year approximate (EEA viewer uses a rolling ~2-year window; recorded as 2023 to match the sibling Poland city files' basis). To be refined if a station-level EEA download with an explicit year is obtained for a Split monitoring station.
Zagreb
13,9 µg/m³
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.
03Cost of living (single, excl. rent)
Split
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
Zagreb
$850/mo
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
04Climate comfort
Split
5/12 mo
SettleMetric computation over climate-normals
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.4°C), May (23.4), Sep (25.4), Oct (20.5), Nov (15.6) = 5. June misses (28.1°C, just above 28); Jul/Aug too hot (31/30.9°C); Dec–Mar too cool. No month is disqualified by rainfall (max is Nov 119.8mm < 150).
Zagreb
5/12 mo
SettleMetric computation over climate-normals (Zagreb-Maksimir WMO 14240)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.0°C), May (22.4°C), Jun (26.2°C), Sep (22.6°C), Oct (17.0°C) = 5. Jul and Aug are excluded because mean daily max is 28.1°C, just above the 28°C ceiling; Mar (13.0°C) is below the 15°C floor.
03
La comparación completa
Abre cualquier dato para ver qué mide, cómo de reciente es y el rastro completo de fuentes de ambas ciudades.
01
Impuestos
CriterioSplitZagreb
01+−Freelancer tax burden% effective burden at €60k/year self-employed profileSplit7,6Zagreb7,6
Qué mide esto
Effective total burden (income tax + mandatory social and health contributions) for a solo IT freelancer with €60,000/year revenue and 10% deductible expenses, using the most favourable eligible scheme in the country's tax-schemes data. Computed by the SettleMetric tax engine; recorded as a curated value with the winning scheme id in method.
Cuanto más bajo, mejor· % effective burden at €60k/year self-employed profile· se vuelve a verificar cada 365 días
Split
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
Zagreb
SettleMetric tax engine over official 2026 rules (Porezna uprava — Obrtnici paušalisti)
Recopilado por SettleMetric
- Datos a fecha de
- 1 ene 2026
- Verificado
- 4 jul 2026
- Método
- Best eligible scheme hr-pausalni-obrt at €60,000 revenue (top lump-sum bracket €50,000.01–60,000): lump-sum income tax = 12% of the fixed €9,000 bracket base = €1,080; fixed social contributions on the €797.20 base = €290.98/mo × 12 = €3,491.76 (independent of income). Total burden €4,571.76 / €60,000 = 7.62%. The paušal ignores expenses, so the 10%-expenses assumption does not change the burden; €60,000 is exactly the regime's revenue cap.
02
Legalización
CriterioSplitZagreb
01+−Remote-work legalization easeSplitDedicated nomad visaZagrebDedicated nomad visa
Qué mide esto
Best available legalization route for a location-independent earner with a median (non-EU, non-US) passport, classified from this country's legalization-paths data: dedicated digital-nomad visa; general freelance/self-employment permit; realistic long-stay path (e.g. renewable temporary residence); only short visa-free/tourist stays; effectively none.
Valorado por categoría· se vuelve a verificar cada 180 días
Split
MUP — Temporary stay of digital nomads
Fuente oficial
- Datos a fecha de
- 1 mar 2026
- Verificado
- 4 jul 2026
- Notas
- Croatia has a dedicated digital-nomad residence permit for third-country nationals working remotely for non-Croatian employers/companies, up to 18 months, with foreign remote income fully exempt from Croatian income tax (Art. 9 Income Tax Act). Income requirement €3,622.50/month (2.5× average net salary, NN 3/26). Not a path to permanent residence and not renewable in the same grant (fresh application allowed 6 months after expiry). EU/EEA/Swiss citizens do not need it — they use free-movement registration.
Zagreb
MUP — Temporary stay of digital nomads
Fuente oficial
- Datos a fecha de
- 1 mar 2026
- Verificado
- 4 jul 2026
- Notas
- Croatia has a dedicated digital-nomad residence permit for third-country nationals working remotely for non-Croatian employers/companies, up to 18 months, with foreign remote income fully exempt from Croatian income tax (Art. 9 Income Tax Act). Income requirement €3,622.50/month (2.5× average net salary, NN 3/26). Not a path to permanent residence and not renewable in the same grant (fresh application allowed 6 months after expiry). EU/EEA/Swiss citizens do not need it — they use free-movement registration.
03
Coste de vida
CriterioSplitZagreb
01+−Cost of living (single, excl. rent)USD/month, single person, excluding rentSplit850Zagreb850
Qué mide esto
Monthly cost of a defined single-person basket (food, transport, utilities, mobile+internet, modest leisure) excluding rent, curated from national statistics office price data and large local retailers' published prices, converted to USD at the ECB rate recorded in fx-rates. The method field of each value itemizes the basket inputs.
Cuanto más bajo, mejor· USD/month, single person, excluding rent· se vuelve a verificar cada 365 días
Split
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
Zagreb
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 average consumption = 110,446 HRK/household/yr = €1,221.6/mo (fixed rate 7.53450 HRK/EUR). CPI-uplifted 2022→mid-2026 (Croatia HICP ~×1.20) → ≈€1,466/mo per household; scaled to a single-person household (~0.63 of the all-household average, EU HBS pattern) → ≈€924; net of the small actual-rentals sliver of the housing line (Croatia is ~93% owner-occupied, so the 14.5% housing line is mostly utilities/maintenance, retained) → ≈€745–€760 rent-excluded ≈ $850–$865 at 1.1399 USD/EUR. Cross-check: Eurostat 2024 price level for household final consumption is 76% of EU-27 (vs Poland 72%), so Croatia should sit modestly above Poland's ~$753 — consistent. Rounded to $850.
- Notas
- Curated estimate with wide uncertainty: DZS publishes only an all-household average (no clean one-person basket) and the latest survey predates the euro (2022; next survey 2026). The single-person scaling and CPI uplift are transparent assumptions, not a measured figure — treat as ±20%. To be replaced when DZS HBS 2026 lands.
DZS Household Budget Survey 2022 COICOP shares, CPI-uplifted, single-person-scaled
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- DZS HBS 2022 COICOP shares (food 27.0%, transport 15.5%, housing/utilities 14.5%, clothing 7.2%, information/communication 6.3%, furnishings 6.2%, personal care & misc services 4.9%, restaurants/accommodation 4.9%, remainder recreation/health/education/alcohol-tobacco) applied to the ~$850/mo single-person rent-excluded aggregate above, converted at 1.1399 USD/EUR. Categories sum to roughly the cost-of-living aggregate. Same uncertainty caveats as cost-of-living-single; national average, cities (esp. Zagreb, Split, Dubrovnik) run higher.
- Notas
- Structure is the official DZS all-household COICOP split; the euro amounts are scaled estimates, not a measured single-person survey. Housing line excludes rent (mostly utilities/maintenance in owner-heavy Croatia).
Food & non-alcoholic drinks230 USD
Transport132 USD
Housing utilities (water, electricity, gas, maintenance)123 USD
Recreation, personal care & other services90 USD
Clothing & footwear61 USD
Information & communication54 USD
Furnishings & household maintenance53 USD
Restaurants & accommodation42 USD
Health (out-of-pocket)35 USD
04
Vivienda
Alquiler por tipo de vivienda
Alquiler de oferta: precio en el centro, con el de fuera del centro entre paréntesis ($/mes).
Split
Zagreb
Recopilado por SettleMetric
- Datos a fecha de
- 31 mar 2026
- Verificado
- 4 jul 2026
- Método
- For studio/1BR/2BR the center vs outside cells map DIRECTLY to Investropa's published Split ranges (early 2026), converted at 1.1399 USD/EUR: studio €850 central / €450 outer → $969 / $513; 1BR €1,050 central (Bačvice/Meje) / €550 outer → $1,197 / $627; 2BR €1,450 premium coastal / €750 suburb → $1,653 / $855. The 3BR cells are DERIVED (no clean Split 3BR city figure is published): 2BR × ~1.35 (the observed 2BR/1BR step ≈1.36–1.38) → 3BR ≈ €1,950 central / €1,013 outer → $2,223 / $1,154, which sits inside the €850–€1,500 mid-market family-3BR band observed on Split listings (luxury 3BR reach €3,500).
- Notas
- Studio/1BR/2BR center-outside cells are SOURCED endpoints (Investropa outer vs central/premium ranges). 3BR cells are DERIVED (2BR × step ratio) and flagged — no source publishes Split rent by room count and by center/outside simultaneously. Center ≈ central + beachfront districts (Bačvice, Meje, Varoš); outside ≈ outer/suburban neighbourhoods. Coastal tourism inflates all figures versus inland Croatia.
Nekretnine.hr — Zagreb asking rent €/m²/month by district (May 2026)
Recopilado por SettleMetric
- Datos a fecha de
- 31 may 2026
- Verificado
- 4 jul 2026
- Método
- Nekretnine.hr May 2026 asking rents in €/m²/month by district. Central average ≈€16.49/m²/mo (Donji grad 17.23, Gornji grad-Medveščak 16.03, Trnje 16.20); outside average ≈€14.31/m²/mo (Novi Zagreb istok 15.19 / zapad 14.09, Trešnjevka jug 15.15 / sjever 15.16, Maksimir 15.20, Sesvete 11.04). Multiplied by typical sizes — studio 28 m², 1BR 42 m², 2BR 62 m², 3BR 85 m² — and converted at 1.1399 USD/EUR.
- Notas
- DERIVED: the €/m²/month district rents are directly observed (Nekretnine.hr), but the per-room-size cells are computed (district €/m² × assumed apartment size), because no source publishes Zagreb rent by room count AND by center/outside simultaneously. Center = inner districts (Donji/Gornji grad, Trnje); outside = outer districts (Novi Zagreb, Trešnjevka, Maksimir, Sesvete). Sesvete (€11.04/m²) pulls the outside average down; the cheapest real outer studios can be well below these figures.
01Estudio
Split
$969$513 fuera del centro
Zagrebmás barato
$526$457 fuera del centro
021 dormitorio
Split
$1197$627 fuera del centro
Zagrebmás barato
$789$685 fuera del centro
032 dormitorios
Split
$1653$855 fuera del centro
Zagrebmás barato
$1165$1011 fuera del centro
043 dormitorios
Split
$2223$1154 fuera del centro
Zagrebmás barato
$1597$1386 fuera del centro
05
Seguridad
CriterioSplitZagreb
01+−Homicide rateintentional homicides per 100,000/yearSplit1Zagreb1
Qué mide esto
Intentional homicide victims per 100,000 population, latest available year. Country level: UNODC national series. City level: official municipal/police statistics where published; otherwise null (country value shown as country-level).
Cuanto más bajo, mejor· intentional homicides per 100,000/year· se vuelve a verificar cada 730 días
Split
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
Zagreb
Eurostat — police-recorded intentional homicide (ICCS 0101), rate per 100k, geo HR
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 value (Eurostat, updated 2026-04-29). The rate is volatile year to year on Croatia's small base: 0.80 (2022), 0.68 (2023), 1.01 (2024). Still very low by global standards. World Bank/UNODC 2023 figure was ~0.67.
06
Clima
CriterioSplitZagreb
01+−Climate comfortpleasant months/yearSplit5Zagreb5
Qué mide esto
Number of months whose 1991–2020 climate normals satisfy: mean daily maximum between 15°C and 28°C and monthly precipitation under 150mm. Computed from the city's climate-normals indicator; the raw normals are stored alongside so users can judge by their own taste.
Cuanto más alto, mejor· pleasant months/year· se vuelve a verificar cada 3650 días
Split
SettleMetric computation over climate-normals
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.4°C), May (23.4), Sep (25.4), Oct (20.5), Nov (15.6) = 5. June misses (28.1°C, just above 28); Jul/Aug too hot (31/30.9°C); Dec–Mar too cool. No month is disqualified by rainfall (max is Nov 119.8mm < 150).
Zagreb
SettleMetric computation over climate-normals (Zagreb-Maksimir WMO 14240)
Recopilado por SettleMetric
- Datos a fecha de
- 31 dic 2020
- Verificado
- 4 jul 2026
- Método
- Months with mean daily max 15–28°C and precipitation < 150mm: Apr (18.0°C), May (22.4°C), Jun (26.2°C), Sep (22.6°C), Oct (17.0°C) = 5. Jul and Aug are excluded because mean daily max is 28.1°C, just above the 28°C ceiling; Mar (13.0°C) is below the 15°C floor.
02+−Air quality (PM2.5)µg/m³, annual mean PM2.5Splitmejor9,7Zagreb13,9
Qué mide esto
Annual mean fine-particulate (PM2.5) concentration for the city, latest available year. Anchors follow the WHO 2021 guideline (5 µg/m³ → 10) through the EU limit value territory (25 µg/m³ → 2). Preferred source: European Environment Agency city-level air quality data; outside Europe: WHO Ambient Air Quality Database or the national monitoring network.
Cuanto más bajo, mejor· µg/m³, annual mean PM2.5· se vuelve a verificar cada 730 días
Split
EEA European city air quality viewer (EEA-verified city annual mean)
Datos abiertos
- Datos a fecha de
- 31 dic 2023
- Verificado
- 4 jul 2026
- Método
- EEA-verified city annual-mean PM2.5 for Split, 9.7 µg/m³ (via the EU Air Quality Tracker's EEA-verified city table; the interactive EEA viewer itself does not expose the number to a plain fetch). Consistent with Split being a clean, windy Adriatic coastal city — well below Zagreb (~13.9) and far below Kraków/Warsaw. Cross-checked against WHO/real-time aggregators (annual PM2.5 ≈ 13 µg/m³), which run higher on unverified real-time feeds.
- Notas
- Value ≈ 9.7 µg/m³ — about 2× the WHO 2021 guideline (5) but already below the EU 2030 limit (10) and far under the current EU limit (25). Reference year approximate (EEA viewer uses a rolling ~2-year window; recorded as 2023 to match the sibling Poland city files' basis). To be refined if a station-level EEA download with an explicit year is obtained for a Split monitoring station.
Zagreb
Datos abiertos
- Datos a fecha de
- 31 dic 2024
- Verificado
- 4 jul 2026
- Notas
- 2024 annual mean PM2.5 for Zagreb, derived from urban/suburban background monitoring stations reported to the EEA. About 2.8× the WHO 2021 guideline (5 µg/m³); within the current EU limit value (25) but above the 2030 EU limit (10). Winter domestic heating and temperature inversions in the Sava basin are the main drivers; summers are cleaner. Not fetched from the interactive viewer directly (JS tool); value corroborated via the EEA-sourced EU air-quality tracker.
07
Sanidad
CriterioSplitZagreb
01+−Private healthcare costUSD/year, comprehensive private insurance premium, healthy 35-year-oldSplit1400Zagreb1400
Qué mide esto
Median of at least three publicly quoted annual premiums for comprehensive private medical insurance (outpatient + inpatient, ~$100k coverage, small deductible) for a healthy 35-year-old resident foreigner, from local and international insurers. Method field lists the insurers quoted.
Cuanto más bajo, mejor· USD/year, comprehensive private insurance premium, healthy 35-year-old· se vuelve a verificar cada 365 días
Split
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
Zagreb
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Comprehensive basis (outpatient + inpatient), healthy 35-year-old resident foreigner. Genuinely comprehensive international private medical insurance runs ≈€50–150/mo; midpoint ≈€100/mo ≈ €1,200/yr ≈ $1,370–$1,400 at 1.1399 USD/EUR. Rounded to $1,400. Deliberately NOT the €180/yr public 'dopunsko' co-payment cover (which sits on top of mandatory HZZO), which would understate a comprehensive standalone premium and break cross-country comparability. Premiums are quoted on request, so this is a curated market midpoint, not a public engine quote.
- Notas
- Croatia's system differs from most: residents are covered by mandatory public HZZO (~€90–100/mo income-based contribution) and most people buy only cheap 'dopunsko' cover (€180/yr, 2026) that removes co-payments including hospital co-pays; comprehensive standalone private plans are less commonly needed. Standalone 'dodatno' plans span €160–930/yr but are supplemental, not full outpatient+inpatient replacements — hence the comprehensive figure is anchored on international private medical insurance instead.
08
Dinero y cripto
CriterioSplitZagreb
01+−Crypto regulationSplitLegal regulatedZagrebLegal regulated
Qué mide esto
Own classification of the legal status of holding, trading and cashing out cryptocurrency for individuals: legal-friendly (legal with clear, favourable rules or explicit tax exemptions), legal-regulated (legal under standard licensing/AML and taxation), restricted (partial bans: payments or banking access prohibited), banned (holding/trading prohibited). Classified from national regulators' and central banks' official positions.
Valorado por categoría· se vuelve a verificar cada 180 días
Split
Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.
Zagreb
Porezna uprava — capital-income taxation of crypto disposals (12%); HANFA/HNB MiCA supervision
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Holding/trading legal for individuals. Gains on crypto-to-fiat disposals taxed at 12% capital-income tax; crypto-to-crypto swaps untaxed; assets held over two years are exempt. EU MiCA applies — HANFA (with HNB) supervises CASPs; legacy VASPs registered before 2024-12-30 had until 2026-07-01 to obtain full CASP authorisation (HANFA granted the first MiCA CASP licence, Electrocoin, in April 2026). Classified legal-regulated: standard EU licensing + taxation, with a notably favourable long-term-holding exemption.
02+−Financial control levelSplitLowZagrebLow
Qué mide esto
Own composite of state control over personal money flows: currency/capital controls (IMF AREAER), restrictions on foreign accounts and transfers, mandatory income declaration scope for residents, cash payment limits, banking access for foreigners. Low = free movement of personal funds and easy non-resident banking; very-high = strict capital controls and pervasive reporting. Method field on each value lists the inputs used.
Valorado por categoría· se vuelve a verificar cada 365 días
Split
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.
- Notas
- Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.
Zagreb
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of: euro-area member since 2023 (no domestic currency, full free movement of capital under EU law, no capital controls); euro is fully convertible; no FBAR-style personal foreign-account disclosure beyond EU CRS automatic exchange via banks; foreigners open bank accounts on standard EU AML terms. Business cash-payment limits apply (fiscalisation of cash receipts, statutory cap on large cash B2B transactions) but no consumer cash cap on personal funds. Low state control over personal money flows, consistent with other euro-area members.
- Notas
- Not scored on a per-euro-figure basis; classification. IMF AREAER not re-fetched this cycle — euro-area status makes capital controls legally impossible, so the low band is robust.
09
Infraestructura
CriterioSplitZagreb
01+−Domestic delivery qualitySplitGoodZagrebGood
Qué mide esto
Quality of in-country parcel delivery. excellent = nationwide next-day widely available, dense parcel-locker network, real-time tracking standard; good = 1–3 day delivery, lockers in major cities; basic = reliable but slow (3–7 days), mostly to-door or post-office pickup; poor = unreliable delivery, street addresses often unusable, informal workarounds common. Classified from official service/coverage data of the national postal operator and the two largest private carriers; inputs itemized in each value's method field.
Valorado por categoría· se vuelve a verificar cada 730 días
Split
Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).
- Notas
- Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.
Zagreb
Hrvatska pošta, DPD Hrvatska, GLS Hrvatska official service pages (composite)
Recopilado por SettleMetric
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Método
- Composite of national-operator and major-carrier official service data: Hrvatska pošta (national post, 24/7 paketomati), DPD Hrvatska (>1,300 pickup points incl. paketomat lockers), GLS (Flexdelivery — home/parcelshop/paketomat), Overseas Express, Box Now. 1–2 day delivery is normal in cities; locker density is lower than Poland's InPost-led market. Mapped to 'good' (reliable 1–3 day delivery, lockers in major cities) rather than 'excellent' (which requires nationwide next-day + a dense locker network as the default).
- Notas
- Reliable nationwide parcel delivery with growing locker networks; coastal/island coverage adds a day in low season.
02+−International delivery easeSplitMinor frictionZagrebMinor friction
Qué mide esto
Ease of receiving goods from abroad. seamless = major international carriers deliver door-to-door, meaningful duty-free de-minimis threshold, customs clearance predictable in days; minor-friction = carriers present but low de-minimis, extra paperwork or routine delays; significant-friction = frequent customs holds, high brokerage fees, some marketplaces refuse to ship; unreliable = parcels regularly lost or blocked, informal import channels dominate. De-minimis thresholds and clearance rules from the national customs authority (official source, cite the regulation); carrier presence from carriers' official pages.
Valorado por categoría· se vuelve a verificar cada 365 días
Split
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Intra-EU shipping is frictionless (single market; all major carriers — DPD, GLS, DHL, Hrvatska pošta — plus UPS/FedEx). Non-EU imports: the EU-wide €150 duty-free threshold was removed on 2026-07-01, with a temporary flat €3/item duty on ≤€150 IOSS consignments until 2028; VAT collected at checkout via IOSS. Predictable but no longer duty-free — same regime as all EU members.
Zagreb
Fuente oficial
- Datos a fecha de
- 1 jul 2026
- Verificado
- 4 jul 2026
- Notas
- Intra-EU shipping is frictionless (single market; all major carriers — DPD, GLS, DHL, Hrvatska pošta — plus UPS/FedEx). Non-EU imports: the EU-wide €150 duty-free threshold was removed on 2026-07-01, with a temporary flat €3/item duty on ≤€150 IOSS consignments until 2028; VAT collected at checkout via IOSS. Predictable but no longer duty-free — same regime as all EU members.
03+−Internet speedMbps, median fixed downloadSplit40,2Zagreb40,2
Qué mide esto
Median fixed-broadband download speed over the trailing 6 months from M-Lab NDT open data (CC0), aggregated at country or city level. Not comparable with Ookla figures (different test methodology) — do not mix sources within this criterion.
Cuanto más alto, mejor· Mbps, median fixed download· se vuelve a verificar cada 365 días
Split
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
Zagreb
M-Lab NDT country aggregates for Croatia (HR), 2024
Datos abiertos
- Datos a fecha de
- 16 ene 2024
- Verificado
- 4 jul 2026
- Método
- Median of the daily country medians available in M-Lab's public stats API for Croatia 2024. NOTE: the public 2024 file currently exposes only the first ~16 days of January (~3,700 tests), so this is a partial-year figure (2023 partial file ≈ 33.6 Mbps).
- Notas
- M-Lab NDT is single-stream and reads well below Ookla-style figures (Croatian carriers advertise ~100 Mbps averages) — comparable ONLY within this criterion. Partial-window median because M-Lab's public API has not published Croatia's full 2024/2025 daily series; to be refreshed when a full-year file is available.
10
Idioma
CriterioSplitZagreb
01+−English proficiencySplitVery highZagrebVery high
Qué mide esto
Own banding of how far English gets a resident in daily life (government offices, healthcare, housing, services). Informed by EF EPI band (research source, cited with attribution, not republished) plus official language status and service-sector realities. Values are our bands, not EF scores.
Valorado por categoría· se vuelve a verificar cada 730 días
Split
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
Zagreb
EF EPI 2025 (rank 2/123, score 617 — Very High band)
Estudio
- Datos a fecha de
- 1 nov 2025
- Verificado
- 4 jul 2026
- Notas
- Own band informed by EF EPI (attribution: EF Education First). Croatia ranks 2nd of 123 in EF EPI 2025 (score 617), among the highest non-native results in the world; English is widely usable in cities, tourism and the service sector, and broadly in daily life.
11
Educación
CriterioSplitZagreb
01+−International schoolsaccredited international schools, countSplit2Zagrebmejor6
Qué mide esto
Count of international schools in the metro area accredited by or member of IB, CIS, COBIS, or an equivalent national-curriculum-abroad body (verified against the accreditor's public registry, not aggregator sites).
Cuanto más alto, mejor· accredited international schools, count· se vuelve a verificar cada 730 días
Split
IB World Schools directory (ibo.org) — verified per-school entries for Split
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Both verified individually against the official IB directory: (1) Split International School / Aspalathos Međunarodna Škola — IB code 062271, authorised 2023-04-25, English (ibo.org/en/school/062271; also holds a US MSA-accredited high-school diploma; campus in Dugopolje in the Split metro area); (2) Split International School Harfa — IB code 062367, authorised 2024-01-12, English/Croatian (ibo.org/en/school/062367). No Cambridge International / CIS / COBIS / AEFE / German-Auslandsschule school was found in Split (the British/Cambridge and American international schools are all in Zagreb).
- Notas
- Count = 2, both IB World Schools verified against the IB accreditor registry (not aggregator sites). Second IB entry: ibo.org/en/school/062367. Metro-area basis includes Dugopolje (≈15 km inland). Small but genuine international-school provision for a mid-sized coastal city.
Zagreb
Recopilado por SettleMetric
- Datos a fecha de
- 4 jul 2026
- Verificado
- 4 jul 2026
- Método
- Count of Zagreb schools verified against a qualifying accreditor's own registry: (1) American International School of Zagreb — IB, ibo.org school 001466; (2) Matija Gubec International School — IB, ibo.org school 002363; (3) XV. Gimnazija — IB, ibo.org school 000618; (4) British International School of Zagreb — Cambridge International Education registered; (5) École française internationale de Zagreb — AEFE conventionné (aefe.gouv.fr/fr/etablissements/ecole-francaise-internationale-de-zagreb); (6) Deutsche Internationale Schule Zagreb — ZfA Deutsche Auslandsschule, KMK-recognised.
- Notas
- Only accreditor-verified schools are counted (not IB-only). Three further schools appear on aggregator lists — American Academy in Zagreb, Bright Horizons/International British School of Zagreb, PKG European School Zagreb — but could not be confirmed against a qualifying accreditor's own registry (IB/Cambridge/College Board/AEFE/ZfA/CIS/COBIS) at verification time, so they are excluded. Count is therefore a conservative floor (±2).