How to Choose Your Ideal Long-Stay Destination in Retirement (in Croatia)

Retirement isn’t about stopping — it’s about starting differently. It’s a time to live more deeply, not more quickly. And for many, that means finding a place to stay longer, feel at home, and experience life abroad in a meaningful way. If you’ve ever dreamed of living by the sea, sipping coffee under stone archways, and feeling part of a new community, Croatia might just be your perfect long-stay destination. But where exactly in Croatia should you go — Split, Dubrovnik, Zadar, or somewhere quieter? Let’s walk through how to choose your ideal long-stay spot in retirement — and what makes Croatia such an extraordinary choice.

1. Know What Matters Most to You

Before picking a destination, take a moment to reflect on your priorities. Ask yourself:

• Do I want vibrant city life, or peace and quiet?
• How important are healthcare, walkability, and transport?
• Do I prefer a mild winter or don’t mind cooler months?
• Would I like to be around other expats or locals only?

Croatia offers a variety of lifestyles — from lively coastal towns to tranquil islands. Your answers will shape the kind of long-stay experience that truly fits you.

2. Understand Croatia’s Regions

Though small, Croatia feels wonderfully diverse. Each region offers its own rhythm, culture, and climate.

Dalmatia – Sun, Sea & Simplicity

Cities like Split, Dubrovnik, and Zadar are ideal for retirees seeking history, sea views, and walkable neighborhoods.

• **Split: **great for longer stays — has modern healthcare, vibrant local life, and ferry access to islands.
• **Dubrovnik: **stunning views and old-world charm; quieter outside summer.
• Zadar: affordable, well-connected, and popular among long-stay expats.

Best for: Mild winters, cultural life, sea access. Cost: Mid-to-high depending on season.

Istria – Italy’s Cousin, Croatian Soul

If you love Mediterranean food, rolling hills, and slower inland living, Istria might be perfect. Cities like Rovinj, Poreč, and Pula feel both European and distinctly Croatian — with great infrastructure and a strong expat presence. Best for: Culinary experiences, vineyards, countryside charm. Cost: Moderate, slightly lower than Dalmatia.

Kvarner & the Islands – Tranquil and Timeless

Places like Krk, Lošinj, and Rab balance peaceful island living with access to the mainland. Great for seniors wanting calm, nature, and close-knit community vibes. Best for: Nature lovers, peace, wellness-focused stays. Cost: Moderate, varies by ferry access.

3. Check Accessibility and Healthcare

For long stays, access to quality healthcare is key — and Croatia delivers. Split, Rijeka, and Zagreb have excellent hospitals and English-speaking doctors. Smaller towns often have local clinics, with easy referrals to bigger facilities. Croatia’s healthcare for expats is affordable and reliable, especially if you register under a temporary residence permit with valid insurance. Proximity to airports also matters — Split, Zadar, Dubrovnik, Rijeka, and Zagreb all have international connections.

4. Consider Cost of Living and Lifestyle

The cost of living in Croatia can be pleasantly surprising for retirees. A couple can often live comfortably on €1,500–€2,000 per month, depending on city and lifestyle.

• Split & Dubrovnik: higher rents, but great amenities.
• Zadar & Šibenik: more affordable, local feel.
• Inland Istria: excellent value, slower pace. Daily life costs — groceries, cafes, local transport — are lower than in Western Europe or the U.S., letting you stretch your retirement savings further.

5. Think About Climate and Seasons

If you’re planning to spend the winter abroad, southern Croatia offers gentle weather with sunshine even in January. Spring and autumn are ideal — fewer crowds, pleasant temperatures, and cheaper rentals. The Dalmatian coast is perfect for a “warm winter” long stay: sunny days, blue sea, and quiet beaches.

6. Look for Community

Moving abroad — even temporarily — is easier when you’re surrounded by like-minded people. Croatia’s senior expat community is growing, especially in Split, Zadar, and Rovinj. Many cities host cultural events, language exchanges, and community groups where it’s easy to meet people. You’ll also find locals incredibly friendly — especially when you take the time to learn a few words of Croatian.

7. Visit Before You Commit

If possible, visit your top two or three locations before settling in for a full stay. Spend a few weeks exploring local shops, cafes, and neighborhoods. Notice how you feel day-to-day — your perfect long-stay destination will feel comfortable, inspiring, and easy to live in.

Your Croatian Chapter Awaits

Choosing your ideal long-stay destination in retirement isn’t about finding the most popular city — it’s about finding the one that feels like home. In Croatia, you’ll find warmth, safety, affordability, and beauty — everything you need for a fulfilling next chapter.

At WanderAge, we help seniors and slow travelers design comfortable, long-term stays in Croatia — from destination matching and housing to local integration and residency guidance.

Because retirement isn’t the end of your story — it’s your chance to start living it abroad.