We all follow comments on portals and social networks and we have all come across statements like this. These are sentences that we hear more and more often — sometimes for a reason, sometimes totally unfounded. Real estate prices in Zagreb have soared, and the perception that “something is wrong” has become widespread.
In this blog we are not going to argue. We will not argue with the comments.
Instead — we bring figures, comparisons and facts. And finally — the most important thing — how to still realistically buy real estate in Zagreb, despite the challenges.
Let's go a little bit with statistics what are the real prices of real estate in Zagreb?
Zagreb has gone through several market “shocks” in the last 10 years — earthquake, inflation, global pandemic and demand growth, and the general perception of real estate as a safe investment.
According to the data (2024. /2025):
The average price per m² for City of Zagreb (overall) is ~ 3,500€, while for premium sites they go from 4.000 — 5.500€ +
And how do we stand in relation to Berlin and Vienna?
Apparently, the comments make sense, but when looking at the bigger picture of average prices m2...
Zagabria 3,500€
Berlin 5,300€
Vienna 6.000€
So, in absolute terms, Zagreb is NOT more expensive— an apartment per m² in Vienna or Berlin is significantly more expensive than here.
But — there is a “catch”:
And that... how many minimum monthly salaries should be allocated for the purchase of an average used apartment of, for example, 70 m2?
Zagabria163 salaries
Berlin106 salary
Vienna117 salary
The conclusion?Zagreb has more affordable apartments per m², but the average citizen takes longer to save to buy them. And that is precisely why it seems to many that “we are more expensive than Berlin or Vienna” — because relative to salary, Zagreb is more expensive.
But... who's really going to move to Berlin?
Here we come to the key point.
Most people who say it's cheaper in Berlin won't move to Berlin. Because. Life is here, work is here, family, friends, security, culture — it's all here... Zagreb is home!
And that's why the comments, however emotional, They don't offer a solution. And that's exactly what most citizens need — realistic plan, support and concrete steps towards your own property.
How to buy an apartment in Zagreb?
Despite the costs and challenges, solutions exist — but they are not always obvious.
1. Think in stages, not perfection
You don't have to buy an “forever apartment” right away.
The first property can be a ticket— a starting point that you later change, upgrade or rent.
2. Focus on the value, not the square
Apartments in less “trendy” neighborhoods often have excellent ratio of price, infrastructure and value growth potential.
Good counseling makes the difference between impulsive and smart buying.
3. Credit? It is possible, with good preparation
Banks are more demanding, but a loan is still an available option for many, especially with the participation of parents, guarantors. You can also get information about this from us at agency.
4. Don't search alone — search with us
The best opportunities often don't end up on the classifieds.
Agencies like ours have access to:
- apartments that have not yet been publicly advertised,
- to owners who want to sell, but do not want advertising,
- real advice — which is really worth it at the moment.
The truth is, apartments are not cheap.
And yes, the frustration is real.
But also — Thousands of people in Zagreb still manage to buy an apartment every year. And not only the rich — but also those who prepare, inform and set realistic expectations.
If you have the feeling that the apartment is “mission impossible” — you are not alone. But you are not without options either.
What do we offer?
If you are thinking about buying and you are not sure:
- where to start,
- is your salary enough,
- is there any sense in a loan,
- which neighborhood offers the most for your budget...
Get in touch with us.
No obligation. No pressure.
Our task is not to “persuade” you to buy, but to help you make the best decision — for you.
So we are freecontactand say:
“I'm curious how I can get my property in Zagreb — but realistically.”
We will listen to you — and help you take the first step.
Conclusion; Comparing Zagreb to Berlin, Vienna or Paris can be interesting — but often frustrating.
Differences in wages, standards, laws and markets make such comparisons not only incomplete, but also useless for you — the customer who wants home here and now.
That's why our advice is:
Do not waste energy on analyzes of cities in which you will not live.
Instead, focus on what's real — how to create your space, your home, your peace — here where you choose to stay.
Zagreb has its challenges, but also opportunities.
And with good preparation, information and advice — an apartment in Zagreb can become a reality, not just a dream.
Because home is not a dream, but a plan.