How American citizens can visit and live in Croatia: Guide for 2021

This post has been verified with an immigration lawyer and the ministry handling immigration.
Image by Bill Brine

UPDATED: 26/04/2021

Americans make up a significant portion of those coming to Croatia, for both tourism and to live here long term.

With regards to tourism, Croatia has been a big hit with Americans in the last few years. While the cost to visit to Croatia has been increasing, it can still be a bargain with U.S. citizens making dollars.

Also, while it may be quite touristy and busy during high season, it is still more off the beaten track than well-worn Western European destinations like London, Paris, and Rome. It is still possible to visit Croatia and be completely by yourself among only locals, if you pick the right destination and the right time of year.

Many U.S. citizens are also choosing to put down roots and make Croatia their home year-round. In many cases, Americans have Croatian roots and are now journeying back to the homeland and applying for citizenship, now that the language test has been waved for diaspora. Others have married a Croatian abroad and are returning to build their life in the family stead. The rest are just looking for a better quality of life.

There are a number of ways U.S. citizens can settle in Croatia. They aren’t all easy, they definitely involve hoops, but there are options. We’ve created a guide specifically for Americans that includes every option available to American citizens to move to Croatia long term. If you’re just passing through, we cover tourist visas for too.

In this post, we’ll cover:

Let’s get ready to rumbleeeeeeeeee!

Tourist visas for American citizens to visit Croatia

Americans have visa-free travel to only 58 countries around the world right now due to coronavirus-related travel bans. Croatia is one of those countries.

To visit Croatia as an American, you must have negative PCR result of a nasal and throat swab for SARS-Cov-2 that is not older than 48 hours to enter Croatia in addition to proof of your accommodation or reason for visit.

You do not have to apply for a travel visa in advance and you do not need to get a visa on arrival or pay any fee to enter. Upon entry, you can stay for 90 days within a 180-day period.

You can always see the latest tourist visa status here, but it’s unlikely to ever change. Americans have big privilege.

How to move to Croatia as an American citizen

There are many options for U.S. citizens to stay in Croatia long term, however unless if you have heritage or marry a citizen, it’s going to be an uphill battle. BUT, by no means is it impossible. This guide will cover all of your options as well as what is required of you as an American.

Before we get started, we need to cover some vocabulary. In the eyes of Croatia, there are Croatian citizens, EU citizens and everybody else. Those in the “everybody else” bucket are referred to as “third-country nationals”. Americans are third-country nationals. This means that the following residence permit schemes apply to all third-country nationals, not just Americans.

It is important to note this so one does not think that the difficulty in the process and limited options are due to prejudice specifically against Americans. They are not. The government carries legal prejudice for all non-EU countries.

Now that we have that out of the way, let’s get started. We will go through each residency option, starting with the one that allows you the least amount of time in Croatia, moving up to the ones that allow you the most time in Croatia.

Digital Nomads *NEW FOR 2021*

Starting in 2021, digital nomads can be granted temporary residence based on their remote work as long as they are not working for any Croatian companies. American citizens can now apply for this permit.


  • This permit is only for up to 1 year and it is not renewable. It is possible that MUP will allow people to apply a second time, but won’t know if that is the case until 2022.
  • At the end of the term, you must leave Croatia for 90 days (if only here a year).
  • You must sign up for state health insurance upon approval of residence, then pay 1 year of premiums for the previous year plus the monthly premiums for the term you live here.
  • You are not allowed to do any work for a Croatian company.
  • There is no path to permanent residency or citizenship.

Here is a post that explains the requirements and process for applying for a permit based on being a digital nomad.

Permanent residents of EU/EEA/Switzerland *NEW FOR 2021*

Canadians who hold long-term residence in another EEA member state may be granted temporary residence in Croatia.

Here are instructions on how to apply for a permit based on your permanent residence in another EU/EEA country.

Student Permit

Americans can easily live in Croatia to study at one of the many universities across the country. You can also study Croatian at certain language schools and qualify for a permit as well.

To get a student residence permit, you must include proof of acceptance into a qualified Croatian institution of education with your residence application. You’ll also need to show you have the financial means to support yourself.


  • The term of the permit will be for a single school year, excluding summer months unless you can prove you need to be here in between semesters.
  • As of right now, you cannot work as a student. Although, there is legislation in the works to change this.
  • You cannot bring your spouse or children to live with you for the first two years.

Here are instructions on how to apply for a student residence permit.

Purchasing residential property

Americans are allowed to purchase residential property in Croatia. With the purchase of a residential property, you are entitled to a temporary residence permit that will allow you to stay in Croatia for up to 6 months at a time with after which you must leave for 90 days. When the 90 days is up, you can enter Croatia again as a tourist for 90 days. During this 90 days as a tourist, you can apply for a new 6-month residence permit based on your property.

Here is the timeline outlined simply:

  • 90 Days – You are in Croatia as a tourist
  • Up to 6 months – You have a legal residence permit
  • 90 Days – You are outside Croatia
  • 90 Days – You are in Croatia as a tourist
  • Up to 6 months – You have a legal residence permit
  • 90 Days – You are outside Croatia

And then it just repeats…


  • There is no path to permanent residency or citizenship
  • You cannot bring your spouse with you UNLESS your spouse is also listed as an owner of the property. Kids can only come if both parents have legal residence permits.
  • The property must be zoned residential and there must be a house. A plot of land does not count.

If you wish to purchase property in Croatia, you must hire an attorney. I don’t mean it’s required by law, I mean that it’s ludicrous to attempt to purchase a property here without a lawyer as a foreigner.

The law and requirements are too complex, there is way too much bureaucracy to navigate and there is too much chance you’re naivete will be taken advantage of at some stage in the process. The language barrier alone is reason enough to farm it out. If you are interested in this option, contact me to be referred to a vetted real estate agent and/or real estate lawyer.

Here is a post that explains the process of purchasing residential property in Croatia.

Here is a post that explains the requirements and process for applying for a permit based on property.

Here is a post that explains things you should know before buying property in Croatia.

Working for a Croatian company

Americans can get residence permits with the option to work in Croatia.


  • You must have a signed work contract or a valid offer of employment before the employer can apply for a work permit on your behalf. You cannot get a work permit, then go find a job.
  • Work permits can only be issued for the term of your work contract, up to one year at maximum. If the company wants you to stay on after the conclusion of your contract, then you’ll need to ask for a new work contract and then apply for a new work permit. Work permits cannot be “renewed”.
  • If you get a residence permit with the option to work and decide to leave your job, your permit will be cancelled. All work permits are tied to work contracts. Without a contract, you cannot have a work permit.
  • You cannot bring your spouse or children to live with you within the first two years.
  • Before a company can offer you a work contract, they must first confirm with the office of unemployment that a Croatian is not seeking that same role.

If you want to seek a work permit to live in Croatia, then start by looking for a job. Our guide on how to find a job in Croatia will prove useful.

All of the above also applies to approved EU Blue Card holders. Even with the Blue Card, you still need to have a work contract or employment offer before an employer can request your work and residence permit.

Starting your own Croatian company

If you’d rather start your own company, you can issue yourself a work contract as the director of the company and therefore qualify for a work permit.

This option involves entangling yourself in an endless tax bureaucracy capable of strangling the life right out of you so it is not recommended if you are only opening the company for the purpose of getting residence. This option should only be used by those who legit want to open and run a company in Croatia.


  • You are required to invest 200.000 kuna of start-up capital.
  • You are required to hire 3 full-time Croatian nationals
  • You are required to pay yourself at least 1,5 times the average bruto salary for the previous year – See minimum wages here
  • All these things we’ve noted about opening a business in this post and this post and this post.

If you plan to go this route, make sure you educate yourself thoroughly so you know what you are getting yourself into. We have done a heap of posts about opening and running businesses in Croatia, which you can browse through here. You can also read more about the option of getting a work permit by opening your own company here.

Prepayment of rent

If you only want to live in Croatia for one year, then this option could be the right fit. It’s a great option for retirees and frequent travelers whom have the flexibility to move to a new country for a limited amount of time.

This permit is not “merit” based or tied to work contracts, and instead is tied to prepaying rent for the term you are here. Of course, there are catches…


  • It is only for 1 year and it is NOT renewable. There have been individual cases where folks using this scheme have been allowed to apply for and stay a second year, but they were all kicked out at the end of the second year.
  • At the end of the term, you must leave Croatia for 90 days (if only here a year) and 18 months (if here 2 years).
  • You must prove that you’ve prepaid rent (wherever you’re staying) for a year, or the term for which you are applying.
  • You must sign up for state health insurance upon approval of residence, then pay for 1 year of premiums for the previous year plus the monthly premiums for the year you live here. You can read more about health insurance here.
  • You are not allowed to work for a Croatian company.
  • Family reunification does not apply to spouses. If you have a spouse, they must apply separately.
  • There is no path to permanent residency or citizenship.

Here are instructions on how to apply for residence based on prepayment of rent.

Scientific research

If you have a legit scientific research project that you wish to work on in Croatia, you can get a residence permit. You’ll definitely need to provide proof of the research, which will likely involve a detailed plan of what you hope to accomplish, why you need to be in Croatia and the time frame in which you plan to accomplish it. Expect it to be heavily scrutinized.


  • There is no path to permanent residency or citizenship
  • You cannot work for a Croatian company


It is possible to gain residency on the grounds of humanitarian or volunteer work. To apply on this basis, you’ll need to provide a contract with a non-profit organization that shows the term of work and that you are not being paid for this work among other requirements.


  • The term is limited to one year only. In some specific cases, you can get the same permit again for a second year, after which you absolutely must leave for a period of 18 months.
  • There is no path to permanent residency or citizenship.
  • You cannot bring your spouse or children to live with you. If you wish to bring your spouse, they will need to apply for their own residence permit on a volunteer or some other basis.
  • You cannot work in exchange for money.
  • You can only work for the non-profit with whom you have your contract used as the basis for your permit.

You can ready more about this permit here.

We have posts on non-profit organizations that may offer long-term contracts to non-EU volunteers here:

Marrying a Croatian or EU national

This program is called “family reunification”, which essentially means that spouses and children of Croatians and EU citizens can come to live in Croatia with their spouse or parent (if they are a minor).

To be clear, I’m not suggesting or encouraging anyone to marry someone they are not in a relationship with just to live in Croatia. Frankly, I don’t recommend it either. Divorce is too big of a headache especially in Croatia. There are other, better ways. Now that I’ve gotten that out of the way, let’s dive in.

If you are married to a Croatian or EU national, you are entitled to residency in Croatia as long as both you and your spouse live in Croatia together at the same address. This is by far the easiest and fastest permit to get, since there is an automatic trust that is inherent when a Croatian or EU citizen is involved.

You will need to provide an original copy of your marriage certificate that is apostilled then translated/notarized (if married abroad). You’ll also need to show that you as a couple have the financial means to support yourself. I will cover this in more detail below in the “Requirements” section.

In practice, there have been discrepancies in the term of your permit. Some spouses have received 5-year permits, while others have had to get a new permit after each year. There does not appear to be a pattern, so you’ll just need to see what the police say in your situation.

After 4 years of temporary residency, you’ll qualify for permanent residency. Once you receive permanent residency, you can apply for citizenship. Hooray!

You can read more about how to apply for a permit based on marriage here.

Citizenship by Croatian descent

If you’ve got Croatian blood, you’ve hit the ultimate jackpot. Seems like every day, the Croatian government is making it easier for diaspora to gain citizenship in an effort to get them to come live here.

To qualify for citizenship, you must have a parent, grandparent, great grandparent, etc. that is Croatian. Lineage must be in a straight line and you must be able to prove lineage, which is usually done with birth certificates.

Even though having heritage is the golden ticket, there are still catches.


  • From January 1, 2020, you can only apply from an embassy or consulate abroad if you are a non-resident.
  • If your ancestor left Croatia at any point and moved to an ex-Yugoslavia country, then your right to citizenship is negated.
  • If your ancestor left Croatia after 1991, then your right to citizenship is negated.
  • Applications for citizenship take time, months to years, so be patient. You won’t be here next week.

You can see if you qualify for Croatian citizenship in 60 seconds here.

You can see how to apply for citizenship here.

You can read the most important things you need to know before applying for Croatian citizenship here.

Requirements that apply to all situations

There are common requirements that apply to all Americans no matter which basis applies to you. Below is a list of those common requirements, however keep in mind that MUP will request additional items from you depending on your basis for residency as noted above.

Everyone must provide:

  • A completed application
    • The police will provide you with the right application. You can also download the application here.
  • A valid passport
    • Validity period must be 3 months longer than the validity period of intended stay.
  • Criminal background check *NEW FOR 2021*
    • People applying for temporary residence in Croatia for the very first time must now provide a criminal background check from their country of nationality. This is a brand new requirement that goes into effect January 1, 2021. You can acquire this from the FBI here. It involves having your fingerprints taken. AMERICANS: DO NOT WAIT UNTIL YOU ARE IN CROATIA TO DO THIS. It is near impossible to get digital fingerprints taken in Croatia for this purpose. Those who have had ink prints taken (which is also pretty hard) have had their fingerprints rejected because they aren’t clear enough. We do kindly ask that you sign our petition to request that the US Embassy start offering this service here.
  • OIB identification number (like a social security number)
  • Health insurance
    • For most permits, you will need to have your own private travel health insurance for the application process. Once approved, you’ll need to get state health insurance, with the exception of the digital nomad permit.
    • For some permits like family reunification and work permits, you must get state health insurance during the application process.
      • Here is how to get state health insurance.
      • Here are the costs of state health insurance.
  • Registered address in Croatia (where you live, whether you own or rent)
    • If you are renting, you will need a notarized rental contract OR the owner can come to the police with you to state that you are renting from them along with having a non-notarized rental contract. The only exception is for the digital nomad permit, in which case proof of accommodation is enough.
  • Proof of sufficient funds to support yourself
    • Depending on your basis, you can either show you have a big chunk of money on a bank account or show a work contract or show salary payments from a Croatian company. Here are the financial minimums you’ll need, but the police will tell you what they need from you. Those applying for family reunification with a Croatian spouse are exempt from this.
  • (2) passport photos
    • Usually there is a photo studio right by MUP where you can get these in the right size.
  • Application fee
    • This is due upon approval of your application. In some cases, you must pay an administrative fee earlier in the process using tax stamps.

Health insurance for Americans living in Croatia

When applying for temporary residence in Croatia as a U.S. citizen, you are required to have proof of health insurance as part of your application. It will need to be some kind of private health insurance policy (or a state health insurance policy if coming from another country within the EU).

Once you are approved for residence, then you must sign up for “obvezno” state health insurance with HZZO (unless you’re a digital nomad). HZZO is the state health insurance fund, which offers both “obvezno” and “dopunsko” health insurance.

Obvezno is the basic state health insurance that all residents must have. Dopunsko is the optional supplement health insurance. You can read the specifics about what is included and costs for obvezno here and dopunsko here.

Upon enrollment in HZZO, all non-EU citizens are required to pay 12 months of health insurance premiums for the previous year plus the monthly premium going forward. This is for all citizens, children and adults alike. Meaning that if you are a family of 4 with 2 children, you’ll need to pay these fees for all 4 members of your family.

The monthly premium changes year to year. The current amount is always updated in this post.

Exchanging your American driver’s license

If you wish to drive in Croatia, you can exchange your US driver’s license for a Croatian one as long as you do it within your first year of residence. If you wait longer than one year, you may be fined 500 kuna and/or required to start from scratch with driving school.

You can read about the process to exchange your American driver’s license here.

You can read about the process to get a Croatian driver’s license from scratch here.

Buying property in Croatia

American citizens are allowed to any purchase property zoned as “residential” in Croatia, depending on the state they are from. You can see the latest list of reciprocity agreements in place with states here.

If you’re interested in purchasing a house or apartment in Croatia, we’ve got a step-by-step guide that explains the process. Check it out here.

We can also connect you to vetted real estate agents and lawyers to help you through the process.


Currently, the United States does not have a double-taxation treaty in place with Croatia. There have been some discussions this year, but the U.S. has yet to come out and definitively announce a timeline.

For now, US citizens living more than 183 days in Croatia each year must report their worldwide income and pay taxes in Croatia. Due to a lack of double taxation treaty, those living in Croatia must report their worldwide income and pay taxes in both Croatia and the United States.

You may also need to submit an FBAR annually depending on how much money you hold in foreign bank accounts at any given moment. Please note that a foreign pension counts as a foreign bank account. You can read more here.

Here are some additional resources from the IRS:

Taxes are complicated, especially when they involve the United States. This is a 50.000 foot view of the tax situation. If you ever want a detailed review of your tax liability while living in Croatia, contact us and we’ll connect you with a tax expert.

How to find the U.S. Embassy in Croatia

Embassy of the United States of America, Zagreb

Contact: William Robert Kohorst

+385 (0)1 66 12 200
+385 (0)1 66 12 371

Email: [email protected]

Web Site:

Ulica Thomasa Jeffersona 2
10 010 Zagreb
View Map


While it may not be easy to live in Croatia legally long-term as a US citizen, there are a variety of options that will allow you to live here for at least a year, if not longer.

I’m an American whom has lived here since 2012 and currently holds permanent residency. It was by no means easy or cheap, but from my perspective, all the hoops of fire were worth it. It all depends on how badly you want to live here and how much patience you have.

Need guidance on your transition to Croatia?

We crafted this post to be as detailed as possible, but sometimes questions still arise because everyone’s situation is different. If you’d like personalized guidance based on your situation, we can help.

Save yourself the time and uncertainty of trying to navigate the ever-changing rules for living in Croatia by scheduling a private chat with me, Sara Dyson, the creator of Expat in Croatia.

I am an American that has lived in Croatia since 2012 (before the country entered the EU), opened and operated 2 companies, applied for 5 residence permits as a non-EU citizen and written about Croatia and its bureaucracy extensively since 2013.  I am well-versed in what it takes to make Croatia your home, which obstacles to look out for and how to make as seamless a transition as possible.

During our chat, I will answer all of your questions about Croatia. You can tap into my expertise on anything you want; whether it be residency, citizenship, healthcare, buying property, letting accommodation, operating a business, what it’s like to live here, personal experiences with bureaucracy or cultural nuance. It’s all tailored to you.

To complete the package, I follow up after your session with additional information, links to relevant resources and contact information for local experts personally vetted by me like lawyers, real estate agents, tax advisors, accountants and translators. All recommendations and resources will be specifically curated based on your individual needs discussed in the session.

You can read reviews from people I’ve helped here.

Consulting sessions cost 50 Euros per half hour, prepaid in advance. This cost includes:

  • Preparation time before our session
  • Duration of our session
  • Preparation of follow up email after our session with resources and contacts

Meetings can be arranged over video chat, or in person. I’m always happy to meet people in-person in Split, but please note the minimum commitment for an in-person session is 1-hour or 100 Euros. Additional time may be charged for intensive research.

To schedule a 1-on-1 consulting session, complete the below form.

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Please note: All information provided by Expat in Croatia is only for the purposes of guidance. It does not constitute legal advice in any form. For legal advice, you must consult with a licensed Croatian lawyer. We can recommend one if you contact us.

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10 thoughts on “How American citizens can visit and live in Croatia: Guide for 2021

  1. Chad Pringle
    May 19, 2020 @ 1:16 am

    Great article. I wanted to see if you are required to live full time at the house you purchase in Croatia to attain a temporary residency permit? I was thinking to buy a small home on the coast and then rent also in Zagreb for some of the year. Is that legal?


    • Expat in Croatia
      May 19, 2020 @ 9:27 am

      Hi Chad,

      You can have two addresses on file with the police:

      • Prebivalište is your permanent address, where you get communication from the government
      • Boravište is a temporary or occasional address where you may live for 3 or more months, which may include:
      • Where you are staying while you’re away at school
      • Where you are staying abroad
      • Where you are staying while doing temporary work in another city

      For third country nationals, the police will come to check your residence once a year for at least the first few years to ensure you are living where you say you are living. Wherever you will spend the most time, make that your prebivalište. Then use the second address as your boravište.

      What is most critical is a) that the police know where to find you and b) that you don’t leave Croatia for more than 30 days each year.




  2. Tom Predhome
    June 19, 2020 @ 8:21 am

    Hi, Sara,

    My wife and I (non-EU citizens) are considering retirement in Croatia. We have visited three times and think the country is a good candidate for expat retirement. Your article, however, seems to suggest that it is nearly impossible to simply move to Croatia, rent and apartment and apply for temporary residence without being forced to live outside Croatia for 90 days on a periodic basis. Is that your assessment?

    Best regards,



    • Expat in Croatia
      June 22, 2020 @ 11:22 am

      Hi Tom,

      Thanks for the question!

      It all depends on the basis for which you plan to apply so it’s not a 90 days across the board, but the sentiment is correct. If you want to retire in Croatia, you have two options.

      You can be here on this permit for a maximum of 2 years:

      OR you can purchase residential property and live in Croatia for a maximum of 9 months out of each year (6 months of residency, 3 months as a tourist).

      Neither gives you a path to permanent residency or citizenship.




  3. Tomislav
    August 9, 2020 @ 4:07 am

    Hi Sara,
    First, many thanks for this phenomenal resource. I’m an American citizen with dual Croatian citizenship. I have a domovnica but, as of yet, no putovnica (pending) or osobna iskaznica. I will be staying in Croatia from 8 to 13 months (no work lined up currently) in Šibenik before most likely returning to United States. In this unique situation, will I be required to obtain mandatory health care coverage or can I use personal private travel health care ? Will I / should I be applying for osobna iskaznica or is this more like a longer stay ? Will my stay be address be viewed as a prebivalište or boravište? Many thanks and hvala unaprijed !!


    • Expat in Croatia
      August 10, 2020 @ 10:09 am

      Hi Tomislav,

      Anyone living in Croatia for longer than 90 days is supposed to be a resident, whom is registered with the police. Once registered with an address at the police, you are technically required to have health insurance through HZZO. However, for citizens, this isn’t always enforced especially if the citizen is not employed by a Croatian employer.

      There are Croatian citizens whose primary residence is abroad, in which case their abroad address is used as their prebivalište. However, considering how long you would be in Croatia, your Croatia address would be your prebivalište. Boravište is only for addresses where you live for 3 months or less.

      Once you register with the police, you’ll need to apply for an osobna iskanica as you must have an identity card to live in Croatia.




  4. Toni Walker
    September 3, 2021 @ 11:19 pm

    My grandmother was a Croatia citizen. My mother was not. I want to spend time in Croatia. I am just starting to plan due to Covid restrictions last year. I may like it enough to stay permanently. Or, I may just spend 6 months in the EU and 6 months in the US. In any event, I am concerned about the cost of insurance in Croatia. What can I expect to pay for health insurance?

    I also have a service dog. I understand the service dogs are not a problem getting into Croatia but I am concerned about getting back to the US.


  5. Monica
    October 12, 2021 @ 1:20 pm

    First of all, excellent blog! Very informative. I am so grateful of you girls! Fellow American here, and I have already applied for my permanent residence permit late 2020. Met their requirements and my application has already been sent to Zagreb which still under process. Currently un-married and employed through a Croatian company under a work visa (temporary residence). If my work contract expires by the end of this year, do I have the option of prolonging my temporary residence through pre-payment of rent till I get my permanent residence permit. Or do I need to continue working till the MUP reaches a decision? Thanks in advance! =)
    Kind regards


    • Marija Tkalec
      October 15, 2021 @ 4:38 pm

      Hi Monica,

      You are allowed to stay in Croatia until you get the answer from MUP. Good luck!

      Warm regards,


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