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Cost of Living in Croatia Compared to Nepal – A Guide to Nepali Workers

Cost of Living in Croatia Compared to Nepal

Are you planning to apply for a job for a Croatian company, yet wondering what it will be the cost of living in Croatia compared to Nepal? As you ponder the possibility of trading in your Nepalese rupees for Croatian kunas, you’re likely wondering what kind of financial sacrifices (or windfalls) await you in this new European haven.

Will your hard-earned cash stretch further in Croatia’s picturesque towns or Nepal’s vibrant cities? The answer, much like the stunning Plitvice Lakes National Park, lies in the details. In this post, we’ll examine into the nitty-gritty of daily expenses, from housing to hummus, to give you a realistic idea of what to expect from your wallet in these two fascinating countries.

Key Takeaways:

  • Housing costs in Croatia are significantly higher than in Nepal. Rent for a one-bedroom apartment in Croatia’s capital, Zagreb, can range from €400-€700 per month, while in Nepal’s capital, Kathmandu, it can cost around NPR 15,000-25,000 (approximately €120-200) per month.
  • Food prices in Croatia are also higher than in Nepal. A meal at a mid-range restaurant in Croatia can cost around €15-20 per person, while in Nepal, it can cost around NPR 500-800 (approximately €4-6) per person. However, Croatia offers a more diverse range of food options, including seafood and European cuisine.
  • Overall cost of living in Croatia is approximately 3-4 times higher than in Nepal. While Croatia offers a more developed infrastructure, a higher standard of living, and access to European amenities, Nepal offers a more affordable lifestyle, especially for expats and digital nomads.

Brief Overview of Croatia and Nepal

As you prepare to initiate on this journey of comparing the cost of living in Croatia and Nepal, it’s crucial to get a sense of what makes these countries tick.

Geography and Climate

To appreciate the unique charms of Croatia and Nepal, you need to understand their geographical contexts. Croatia, located in Southeastern Europe, boasts a stunning Adriatic coastline, while Nepal, nestled in the Himalayas, is home to eight of the world’s ten highest mountains. Both countries have diverse climates, ranging from Mediterranean to alpine, which significantly impact their economies and ways of life.

Cultural Heritage

An intriguing aspect of both Croatia and Nepal is their rich cultural heritage. You’ll find a blend of traditional and modern influences in their architecture, art, and festivals. From Croatia’s Romanesque churches to Nepal’s ornate temples, each country has a unique cultural identity that shapes its people’s daily lives.

Understanding the cultural nuances of Croatia and Nepal is crucial in grasping the cost of living differences between the two countries. For instance, Croatia’s strong Catholic heritage has influenced its cuisine, festivals, and social norms, while Nepal’s Hindu and Buddhist traditions have shaped its customs, art, and daily routines. As you explore deeper into the cost of living comparison, keep in mind how these cultural factors impact the prices of goods, services, and experiences in each country.

Importance of Understanding Cost of Living Differences

Some people might think that understanding cost of living differences between countries is a tedious task, but trust us, it’s crucial when considering a move abroad. Whether you’re a digital nomad, expat, or simply looking for a change of scenery, knowing the cost of living in your desired destination can make all the difference in your quality of life. Take, for instance, a country comparison: Croatia / Nepal here, which highlights the vast disparities in living costs between these two nations.

Impact on Expats and Digital Nomads

Influencing your decision to relocate, cost of living differences can significantly impact your lifestyle, savings, and overall experience as an expat or digital nomad. You’ll want to ensure that your hard-earned money goes further in your new home, rather than being drained by unexpected expenses.

Factors Affecting Cost of Living

To grasp the concept of cost of living, you need to consider various factors that contribute to it. These include:

  • Housing costs, including rent and utilities
  • Food prices, eating out, and groceries
  • Transportation, including fuel, maintenance, and public transport
  • Healthcare and medical expenses
  • Taxes, including income tax and social security
  • Leisure activities, entertainment, and travel

Knowing these factors will help you better prepare for your move and make informed decisions about your budget. Cost of living differences can be staggering, and understanding these factors will give you a clearer picture of what to expect in your new home. For instance, housing costs in Croatia are significantly higher than in Nepal, while food prices are relatively similar. By understanding these differences, you can plan your finances accordingly and make the most of your experience abroad.

Description of Croatia

Many travelers have fallen in love with Croatia’s stunning natural beauty, rich history, and vibrant culture. As you consider making this country your home, it’s important to understand its unique characteristics.

Location and Geography

For those who crave a mix of Mediterranean and continental climates, Croatia’s location is ideal. Bordering the Adriatic Sea, you’ll find a long coastline with over 1,000 islands, islets, and reefs. Inland, the terrain shifts to mountains, forests, and fertile plains.

Economy and Industry

One of the most significant contributors to Croatia’s economy is tourism, which accounts for around 20% of its GDP. The country has invested heavily in developing its infrastructure to cater to the growing number of visitors.

Geography plays a significant role in shaping Croatia’s economy. Its strategic location makes it an important transit point for goods moving between Europe and the Balkans. The country has also invested in its manufacturing sector, particularly in the production of textiles, chemicals, and food products.

Standard of Living and Quality of Life

Location-wise, Croatia offers an excellent balance of urban and rural living. You can choose from bustling cities like Zagreb and Split or opt for a more relaxed pace in smaller towns and villages.

Plus, the Croatian government has made significant strides in improving its healthcare system, education, and social services. As a result, you can expect a high standard of living, with access to quality amenities and services. The country’s stunning natural beauty, pleasant climate, and rich cultural heritage only add to its appeal.

Description of Nepal

After considering the charms of Croatia, let’s shift our attention to Nepal, a country that offers a vastly different cultural, geographical, and economic landscape.

Location and Geography

The Himalayan nation of Nepal is situated in South Asia, bordered by India to the east, west, and south, and Tibet to the north. With a total area of approximately 147,181 square kilometers, Nepal boasts a diverse geography, featuring towering mountain ranges, lush valleys, and subtropical forests.

Economy and Industry

To put it simply, Nepal’s economy is primarily driven by agriculture, which accounts for about one-third of its GDP. The country is also rich in natural resources, including iron ore, copper, and limestone.

Plus, Nepal has been actively promoting tourism, hydropower, and manufacturing industries to diversify its economy. The country has made significant progress in recent years, with a growing middle class and increasing foreign investment.

Standard of Living and Quality of Life

An important aspect of life in Nepal is the strong sense of community and family bonds, which contribute to a relatively high level of social cohesion and happiness.

It’s worth noting that while Nepal still faces development challenges, the country has made significant strides in improving healthcare, education, and infrastructure in recent years. As a result, you can expect to find a relatively low cost of living in Nepal, making it an attractive option for expats and digital nomads.


Keep in mind that housing costs can vary greatly depending on the location, size, and condition of the property. As far as renting an apartment in Croatia and Nepal, you’ll find some significant differences.

Average Rent for Apartments in City Centers

Centrally located apartments in cities like Zagreb, Split, and Dubrovnik in Croatia typically cost between €400-€800 per month for a one-bedroom apartment. In Nepal, city centers like Kathmandu and Pokhara offer more affordable options, with prices ranging from NPR 20,000-40,000 (approximately €150-300) per month for a similar-sized apartment.

Average Rent for Apartments in Outskirts

Outskirt areas in both countries offer more budget-friendly options. In Croatia, you can find apartments for €200-€400 per month, while in Nepal, prices drop to around NPR 10,000-20,000 (approximately €80-150) per month.

Average rent prices in outskirt areas of Croatia may seem relatively high compared to Nepal, but you’ll often find more modern amenities and better infrastructure in these areas. Additionally, the proximity to city centers is still relatively convenient, making it a great option for those who want to balance affordability with accessibility. In Nepal, outskirt areas may require more time and effort to reach city centers, but the cost savings can be significant.


For those who plan to live in Croatia or Nepal, understanding the cost of groceries is vital to budgeting your daily expenses. Here’s a breakdown of what you can expect to pay for basic necessities and some indulgences.

Average Cost of Basic Groceries (Bread, Milk, Vegetables)

To give you a better idea of the cost of living in Croatia compared to Nepal, let’s start with the basics. A loaf of bread in Croatia will set you back around 15-20 KN (approximately $2-3 USD), while in Nepal, you can get a similar loaf for 100-150 NPR (about $0.80-1.20 USD). A liter of milk in Croatia costs around 10-15 KN ($1.50-2.25 USD), whereas in Nepal, it’s around 80-120 NPR ($0.60-0.90 USD). Fresh vegetables like tomatoes, onions, and potatoes are relatively affordable in both countries, with prices ranging from 5-15 KN ($0.75-2.25 USD) per kilogram in Croatia and 20-50 NPR ($0.15-0.40 USD) per kilogram in Nepal.

Average Cost of Meat and Seafood

Breadwinner or not, you’ll likely want to indulge in some meat and seafood every now and then. In Croatia, you can expect to pay around 50-70 KN ($7.50-10.50 USD) per kilogram of chicken breast, while in Nepal, it’s around 300-400 NPR ($2.25-3.00 USD) per kilogram.

Seafood lovers, rejoice! Croatia’s coastal location means you’ll have access to a wide variety of fresh seafood at relatively affordable prices. A kilogram of mussels, for example, will cost you around 30-50 KN ($4.50-7.50 USD), while a kilogram of fresh shrimp will set you back around 100-150 KN ($15-22.50 USD). In Nepal, seafood options are limited, and prices are generally higher due to import costs. A kilogram of frozen shrimp, for instance, can cost around 800-1,200 NPR ($6-9 USD).


Your daily commute or occasional travels can significantly impact your cost of living in Croatia compared to Nepal. Let’s break down the transportation costs to help you plan your expenses.

Public Transportation Costs (Buses and Trams)

One of the most affordable ways to get around in Croatia is by using public transportation. A single bus ticket costs around 12-20 HRK (1.7-2.8 EUR), while a monthly pass can range from 300-500 HRK (42-70 EUR). In Nepal, a bus ride typically costs between 20-50 NPR (0.15-0.40 EUR), and a monthly pass can cost around 1,500-3,000 NPR (12-25 EUR).

Cost of Owning and Maintaining a Vehicle

An important factor to consider when thinking about transportation costs is owning and maintaining a vehicle. In Croatia, you can expect to pay around 5,000-10,000 HRK (700-1,400 EUR) per year for car insurance, maintenance, and fuel, depending on the type of vehicle and usage. In Nepal, the annual cost of owning a vehicle can range from 50,000-100,000 NPR (400-800 EUR).

For instance, if you plan to own a car in Croatia, you’ll need to budget for tolls, parking fees, and regular maintenance, which can add up quickly. Additionally, fuel prices in Croatia are relatively high, with an average liter of gasoline costing around 10-12 HRK (1.4-1.7 EUR). In Nepal, fuel prices are generally lower, with a liter of gasoline costing around 100-120 NPR (0.80-1.00 EUR). These costs can significantly impact your overall transportation expenses, so it’s important to factor them into your budget.


Unlike many other European countries, Croatia has a well-organized healthcare system that provides high-quality medical care to its citizens and visitors alike. But how does it compare to Nepal’s healthcare system?

Overview of Healthcare Systems in Croatia

With a strong focus on preventive care, Croatia’s healthcare system is built around a network of public and private hospitals, clinics, and health centers. You’ll find that most medical facilities are well-equipped and staffed with trained professionals who speak English fluently.

Overview of Healthcare Systems in Nepal

To say that Nepal’s healthcare system is still developing would be an understatement. The country faces significant challenges in providing quality medical care, particularly in rural areas where access to healthcare facilities is limited.

Croatia’s robust healthcare system is a far cry from Nepal’s, where you may encounter outdated equipment, inadequate facilities, and a shortage of skilled medical professionals. In Nepal, you’ll often need to pay out-of-pocket for medical services, which can be costly, especially for complex procedures or hospital stays. In contrast, Croatia’s healthcare system is largely publicly funded, and many medical services are covered or subsidized for citizens and visitors alike.

Utilities and Miscellaneous Expenses

To get a better sense of the cost of living in Croatia compared to Nepal, let’s look into the nitty-gritty details of your daily expenses.

Average Cost of Monthly Utilities (Electricity, Water, Gas)

With a moderate consumption, you can expect to pay around 1,500-2,000 HRK (approximately $220-$290 USD) per month for utilities in Croatia. In Nepal, the average cost of utilities is significantly lower, ranging from 5,000-10,000 NPR (around $40-$80 USD) per month.

Average Cost of Internet and Phone Services

The cost of internet and phone services in Croatia is relatively high, with an average monthly bill of around 500-700 HRK ($75-$100 USD). In Nepal, you can expect to pay around 1,500-3,000 NPR ($12-$25 USD) per month for similar services.

A major difference between the two countries is the quality and reliability of internet services. In Croatia, you’ll typically have access to fast and stable internet connections, whereas in Nepal, internet speeds can be slower and more prone to outages. This is something to consider when planning your budget and lifestyle in either country.

Entertainment and Leisure

Once again, you’ll find that the cost of living in Croatia and Nepal varies significantly when it comes to entertainment and leisure activities. While both countries offer a range of options, the prices are vastly different.

Cost of Recreational Activities (Hiking, Museums, etc.)

To get your dose of culture and outdoor adventure, you’ll need to budget accordingly. In Croatia, expect to pay around 50-100 HRK (approximately $7-14 USD) for museum entrance fees, while hiking trails are often free or low-cost. In Nepal, you can explore museums for a fraction of the cost, around 500 NPR (approximately $4 USD), and hiking trails are often free or require a small donation.

Cost of Dining Out and Nightlife

Recreational eating and drinking are an imperative part of any travel experience. In Croatia, you’ll find that dining out can range from 100-300 HRK ($14-43 USD) per meal, while a pint of beer costs around 30-50 HRK ($4-7 USD). In Nepal, you can feast on delicious local cuisine for a fraction of the cost, around 500-1000 NPR ($4-8 USD) per meal, and a pint of beer costs around 500 NPR ($4 USD).

Entertainment options in Croatia tend to be more upscale, with trendy bars and restaurants catering to tourists. In Nepal, the nightlife scene is more laid-back, with local bars and restaurants offering a more authentic experience. If you’re looking to save money, consider trying street food or cooking your own meals. Your taste buds and wallet will thank you!


Now, let’s investigate the world of education in Croatia and Nepal. As you consider making the move to either country, understanding the costs associated with educating your children or pursuing higher education yourself is crucial.

Cost of Public Education in Croatia and Nepal

Education in both Croatia and Nepal is free for citizens, including higher education. However, as a foreigner, you’ll need to pay tuition fees in Croatia, which range from €1,000 to €5,000 per year. In Nepal, public education is generally free, but the quality can vary greatly depending on the institution and location.

Cost of Private Education in Croatia and Nepal

Croatia’s private schools offer a higher standard of education, but at a cost – tuition fees can range from €5,000 to €15,000 per year. In Nepal, private schools are also an option, with fees ranging from NPR 50,000 to NPR 200,000 (approximately €350 to €1,400) per year.

For instance, the International School of Zagreb in Croatia offers a high-quality education with tuition fees around €10,000 per year. In Nepal, the Lincoln School in Kathmandu offers a similar standard of education with fees around NPR 150,000 (approximately €1,050) per year. While these costs may seem steep, they’re a worthwhile investment in your child’s future or your own personal development.

Taxes and Employment

All expats and digital nomads considering a move to Croatia or Nepal should understand the tax implications and job opportunities in both countries.

Tax Rates and Regulations in Croatia and Nepal

Croatia’s tax system is relatively complex, with a flat income tax rate of 25% for residents. Non-residents are taxed at 30%. In contrast, Nepal has a progressive income tax system, ranging from 10% to 36%. Additionally, Nepal imposes a 10% social security tax on employees, while Croatia has a 35.5% social security contribution, split between employers and employees.

Job Opportunities and Average Salaries

On the job front, you’ll find a mix of opportunities in both countries. In Croatia, tourism and hospitality dominate the economy, with many seasonal jobs available. Average salaries range from €600-€1,200 per month. Meanwhile, Nepal’s economy is driven by agriculture, manufacturing, and services, with average salaries between NPR 25,000-50,000 (approximately €200-400) per month.

Nepal’s job market is also heavily influenced by its large remittance-receiving economy, with many Nepalis working abroad and sending money back home. This can create opportunities for foreigners in industries like IT, education, and healthcare. However, the language barrier and cultural differences may present challenges. In Croatia, your European language skills will likely be an asset, especially in the tourism sector. Be prepared to navigate bureaucracy and red tape in both countries, but with persistence and the right skills, you can find fulfilling work and a comfortable lifestyle.

Safety and Security

Despite what you might think, both Croatia and Nepal have their own set of safety concerns, and it’s important to be aware of them before making a decision about which country to call home.

Crime Rates in Croatia and Nepal

Although crime rates vary across both countries, generally speaking, Croatia has a lower crime rate compared to Nepal. According to the OECD, Croatia’s overall crime rate is relatively low, with most crimes being petty theft or property-related. In contrast, Nepal’s crime rate is higher, with a greater incidence of violent crimes.

Natural Disaster Risks and Emergency Services

Croatia is prone to earthquakes, and although rare, they can be devastating. However, the country has a well-equipped emergency response system in place, which ensures quick response times and effective disaster management.

Nepal, on the other hand, is located in a seismically active region, making it highly susceptible to earthquakes and landslides. Additionally, the country’s rugged terrain and limited infrastructure can make it challenging to respond to emergencies quickly. You’ll need to be prepared for potential natural disasters and have a plan in place to stay safe.

Final Words

With these considerations, you’ve likely gathered that living in Croatia comes with a heftier price tag than in Nepal. While your wallet might take a hit in Croatia, the stunning Adriatic coastline, rich history, and vibrant cultural scene might just be worth the extra kuna. On the other hand, Nepal’s affordability and breathtaking Himalayan landscapes make it an attractive option for those on a tighter budget. Ultimately, the choice between these two destinations depends on your priorities and what you’re willing to sacrifice – or splurge on – for your ideal lifestyle.


Q: Is the cost of living in Croatia significantly higher than in Nepal?

A: Yes, the cost of living in Croatia is significantly higher than in Nepal. Croatia is a European country with a high standard of living, and its prices reflect that. Rent, food, transportation, and other living expenses are generally 3-5 times higher in Croatia compared to Nepal. For example, a one-bedroom apartment in a city center in Croatia can cost around €400-€600 (approximately NPR 50,000-75,000) per month, while a similar apartment in Nepal would cost around NPR 15,000-25,000 per month.

Q: How do food prices in Croatia compare to those in Nepal?

A: Food prices in Croatia are generally higher than in Nepal. A meal at a mid-range restaurant in Croatia can cost around €10-€15 (approximately NPR 1,200-1,800) per person, while a similar meal in Nepal would cost around NPR 500-800 per person. Groceries also tend to be more expensive in Croatia, with a basket of basic items like milk, bread, and vegetables costing around €30-€50 (approximately NPR 3,600-6,000) per week, compared to around NPR 1,500-2,500 per week in Nepal. However, it’s worth noting that Croatia has a strong focus on local and organic produce, which can be of higher quality than what’s available in Nepal.

Q: Are there any aspects of living in Croatia that are more affordable than in Nepal?

A: Yes, there are some aspects of living in Croatia that are more affordable than in Nepal. For example, public transportation in Croatia is well-developed and relatively cheap, with a monthly pass costing around €20-€30 (approximately NPR 2,400-3,600). In contrast, public transportation in Nepal can be unreliable and more expensive. Additionally, Croatia has a well-developed healthcare system, and many medical procedures and services are available at a lower cost than in Nepal. Furthermore, Croatia has a more developed infrastructure, which means that things like internet and utility services tend to be more reliable and affordable than in Nepal.

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Sudarshan Sapkota

Sudarshan Sapkota is a distinguished human resource expert and a renowned specialist in abroad job recruitment. With over two decades of experience in the HR industry, Sudarshan has become a leading figure in connecting talent with opportunities across the globe from Nepal. His expertise spans a wide array of sectors, ensuring that both employers and job seekers receive the best possible match for their needs.

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