Apartments in Zagreb
Prices by district, new builds and older stock, what to check when buying.
Apartments are the most sought-after property type in Zagreb and make up the largest share of market activity. The range is enormous, from studio flats in the attics of the Lower Town to four-room apartments in new builds along the Sava embankment, and the price per square metre can differ by more than double depending on the district, the year of construction and the floor. Hermes Nekretnine, based at Vlaška ulica 45, brokers apartment sales, purchases and rentals across the city every day, and this page sets out what buyers and sellers can realistically expect.
The Zagreb apartment market has grown in recent years, mainly because of new construction and the limited supply of quality flats in the inner city. On top of that, the 2020 earthquake permanently changed the way buyers view older buildings, so the question of a building's structural renovation can now matter as much as the floor area itself.
The figures below are indicative ranges of asking price per square metre for late 2025 and early 2026. The price actually achieved is usually somewhat lower, and we value each property individually.
New builds in every district command a price above the local average, and the highest prices in the city are still asked for renovated apartments in the Art Nouveau buildings of the Lower Town with their original details preserved.
With a new build the buyer gets better thermal insulation, a lift, often a garage and lower maintenance costs in the first years, but pays a higher price per square metre and usually the cost of fitting out the apartment completely. With older stock the price per square metre is lower and the locations are often better, but you need to allow for possible replacement of services and joinery and, for buildings in the centre, the status of structural renovation after the earthquake. We set out a detailed comparison of costs and risks in the guide New build or older property in Zagreb.
Studios and one-room flats up to 35 square metres are the most sought after among investors and young buyers, and supply is thinnest, so they sell fastest. Two-room apartments of 45 to 60 square metres are the most liquid part of the market and the easiest to resell. Three- and four-room apartments are chosen by families, where layout, the number of bathrooms and parking come to the fore. Penthouses and apartments with a large garden or yard are rare and priced separately.
The character of the housing stock varies from district to district. For details on prices, infrastructure and building types, see the individual guides:
Before signing the preliminary contract we check the land registry status and whether the apartment is registered as a separate ownership unit, since unregistered flats in old buildings can slow down or add cost to a purchase. For buildings in the centre we look for information on the status after the 2020 structural inspection and any planned renovation works. We check the level of the reserve fund and whether there are debts towards the co-owners' association, the energy rating for future bills, and the orientation and daylight of the apartment, a factor buyers often overlook at the moment of decision. For new builds we instead check the developer's track record, the warranty terms and the construction schedule if buying off plan.
When reselling an older apartment the buyer pays real estate transfer tax of three per cent of the assessed value, notary fees for certifying the contract, the cost of the property valuation for the bank if buying with a loan, and the loan processing fee. For new builds, instead of transfer tax you pay VAT that is already included in the price, but then you need to allow for the cost of the kitchen, built-in units and flooring, which for an average apartment easily reaches several tens of thousands of euros. All the items are set out in the guide Property taxes in Zagreb.
Most buyers in Zagreb finance an apartment with a housing loan, where banks generally require a deposit of at least fifteen to twenty per cent of the price. Before you start serious viewings, it helps to have an indicative assessment of your borrowing capacity, since that sets the realistic range of apartments. Through mortgage brokerage we compare offers from several banks and help you agree the loan terms in parallel with price negotiations.
Depending on which side you are on, we have prepared detailed guides: buying apartments, selling apartments and renting property. If you are selling, the first step is a property valuation, and the full overview of the process with our representation is described on the seller representation page.
Whether you are looking for a first apartment, a move to something larger or an investment flat to let, we know the differences between micro-locations within each district and help you choose based on the real state of the market. Contact our office at Vlaška ulica 45 in Zagreb, on +385 91 5767033 or at [email protected] for a free valuation or help finding an apartment that fits your needs.
In late 2025 and early 2026, asking prices range roughly from 2,200 euros per square metre in more affordable districts to over 5,000 euros per square metre for renovated apartments and new builds in the centre.
It depends on priorities. A new build brings lower maintenance costs and better insulation, a renovated older apartment a better location and a lower entry price. We work through the comparison in a separate guide.
We request information on the building inspection and its status, and details of any planned renovation from the co-owners' association and the relevant authorities. This is a standard step for older buildings in the centre.
Yes. We run video viewings and the entire process with a power of attorney, coordinating with the bank and the notary.
A two-room apartment in a sought-after district, with a realistic price and documentation in order, usually sells within one to three months.
Banks generally require fifteen to twenty per cent of your own funds, plus purchase costs not covered by the loan. The exact amount depends on the property valuation and your borrowing capacity.
See also houses in Zagreb, commercial property in Zagreb, the overview of all Zagreb districts and the guides to buying and selling.