How Much Does It Cost to Furnish an Apartment in Croatia?

Moving to Croatia is an adventure, but let’s be honest, the excitement of finding your perfect little slice of Adriatic paradise can quickly turn into a headache when you realize just how much goes into making it feel like home. New expats often underestimate the true cost and effort of furnishing an apartment from scratch. This guide will walk you through the realistic expenses and practical steps involved in furnishing your Croatian apartment, helping you settle in comfortably without an unexpected financial squeeze.

The Absolute Essentials: Getting Your Croatian Apartment Livable

When you first get the keys to your new place in Croatia, especially if it’s unfurnished or only partially furnished, it can feel a bit overwhelming. You're staring at empty rooms, probably echoing a little, and wondering where on earth to start. The trick is to prioritize. Think about the absolute, non-negotiable necessities that allow you to sleep, eat, and maintain basic hygiene. Forget the fancy decor for a moment; we're talking about getting the fundamentals in place so you can actually live there.

Bedroom Basics: Sleep and Storage

Your bedroom is your sanctuary, and getting a good night's sleep is paramount, especially when you’re navigating the initial stresses of expat life. The bed and mattress are usually the first big-ticket items people think about, and for good reason. You could opt for an affordable frame from a place like Jysk or even a second-hand find on Njuškalo, Croatia’s popular online marketplace. However, don't skimp on the mattress! A good quality mattress can set you back anywhere from €200 for a basic foam one to over €1000 for a really comfortable, ergonomic spring or memory foam option from stores like Emmezeta, Lesnina XXXL, or Harvey Norman. Given the amount of time you'll spend on it, it's an investment worth considering.

Beyond the bed, storage is key. Many older Croatian apartments, charming as they are, often lack built-in wardrobes. This means you’ll likely need to invest in a freestanding wardrobe or a chest of drawers. Basic wardrobes start around €100-€200 at places like Ikea Zagreb (if you’re close enough or willing to pay for delivery), Jysk, or Pepco. If you’re looking for something more substantial or stylish, expect to pay €300-€600 or more from the larger furniture chains. Don't forget smaller items like bedside tables, which can be picked up cheaply.

Finally, you’ll need bedding. Sheets, pillows, and blankets are essential. You can find incredibly affordable basic sets at stores like Pepco or Jysk, with prices starting from as little as €15-€20 for a duvet cover and pillowcase. For better quality or specific styles, stores like Zara Home or local department stores will have options in the €50-€100+ range. Remember, Croatia uses European sizing for beds, so if you bring your own bedding, double-check the dimensions.

Kitchen Kitting-Out: From Plates to Pots

The kitchen in a Croatian rental apartment usually comes with the basics: a sink, a stove, and an oven. Sometimes a refrigerator is included, but it’s not a guarantee, so always clarify this with your landlord. If you need to buy a fridge, expect to pay €200-€500 for a decent new model, or look for used ones on Njuškalo. Smaller appliances like a microwave, kettle, or coffee maker are also usually on your shopping list. A basic microwave might be €50-€100, a kettle €20-€40, and a traditional Turkish coffee pot (džezva), which is a must-have for the Croatian coffee ritual, is very inexpensive, around €5-€15. For more modern coffee machines, prices vary widely, from €30 for a basic filter machine to hundreds for espresso makers.

Then comes the essential task of filling those kitchen cabinets. You’ll need dishware, cutlery, and glasses. For budget-friendly options, head to places like Pepco, KIK, or even larger supermarkets such as Konzum or Lidl. You can often find basic sets of plates, bowls, and mugs for €15-€30, and a set of cutlery for a similar price. If you want something a bit more stylish or durable, expect to pay €50-€100+ for a decent set from places like Emmezeta or Lesnina XXXL.

Don't forget the cookware! A basic set of pots and pans is crucial for making home-cooked meals. These can range from €40 for a very simple set to €150-€300+ for higher-quality, non-stick options. Make sure to grab some basic utensils too – spatulas, ladles, knives – which are readily available at supermarkets and home goods stores. Setting up your kitchen properly makes a huge difference in your daily life, especially if you're keen on exploring local Croatian ingredients!

Bathroom Necessities: Beyond the Fixtures

Bathrooms in Croatian apartments, particularly in older buildings, can be quite compact. While the fixtures (toilet, sink, shower/bath) are always there, you’ll need to bring in everything else to make it functional and comfortable. Towels are a definite must-buy, with sets starting from €15-€30 at stores like Pepco, Jysk, or supermarkets. If your shower doesn't have a glass enclosure, a shower curtain and rings will be needed, costing around €10-€20. A bath mat is also a good idea for safety and comfort, usually €5-€15.

Storage in smaller bathrooms can be a challenge. Simple shelving units, over-the-toilet storage racks, or small cabinets can be found at Ikea, Jysk, or local hardware stores for €20-€80. These small additions can make a big difference in keeping your bathroom tidy and organized.

Last but not least, don't overlook cleaning supplies. Moving into a new place means you'll want to give it a good scrub, and regular cleaning is, well, regular. A mop, bucket, broom, dustpan, and basic detergents (all-purpose cleaner, bathroom cleaner, glass cleaner) are readily available at any supermarket and will set you back around €30-€50 for a starting kit. Having these on hand from day one will save you a lot of hassle.

Expanding Your Home: Living Areas and Functional Workspaces

Once you’ve got the absolute basics covered and can comfortably sleep, eat, and shower, it’s time to think about making your apartment truly feel like home. This means furnishing your living areas and, for many expats, setting up a functional workspace. These are the spaces where you’ll relax, entertain, and potentially earn your living, so they deserve careful thought and budgeting.

Creating a Cozy Living Space

The living room is often the heart of the home, especially if you plan on entertaining guests or just unwinding after a long day. The sofa or couch is usually the most significant investment in this room. Prices can vary wildly depending on size, material, and brand. A basic, smaller sofa from Jysk or Emmezeta might start around €250-€400. For a more comfortable, larger, or stylish piece from stores like Lesnina XXXL or Harvey Norman, you could easily be looking at €600 to €1500, or even more for modular or premium designs. If your budget is tight, keep an eye on Njuškalo for second-hand options, where you can often find great deals on gently used sofas.

Accompanying the sofa, you'll likely want a coffee table and possibly a TV stand or shelving unit. These items are generally less expensive. A simple coffee table can be found for €50-€100, while a TV stand or basic shelving unit might range from €50-€200. These pieces not only provide functionality but also help define the space.

Don't underestimate the power of lighting and decor to transform a room. Curtains or blinds, which often aren't included in rentals, can provide privacy and block out the strong Croatian sun, costing anywhere from €30 for basic blinds to €150+ for custom curtains per window. Lamps (floor lamps, table lamps) add warmth and ambiance, starting from €20-€50 each. Rugs can also make a huge difference in tying a room together and adding comfort, with prices ranging from €30 for small, basic ones to hundreds for larger, higher-quality options. You can find these items at home decor stores, department stores, and even supermarkets.

Setting Up a Home Office or Study Nook

For many expats in Croatia, especially those on a How to Apply for a Croatian Digital Nomad Permit or working remotely, a dedicated home office or study nook is an absolute necessity. A comfortable desk and an ergonomic chair are paramount for productivity and your physical well-being. A basic desk can be purchased for €50-€150 from places like Jysk or Ikea. For a more robust or stylish desk, you might pay €200-€400+.

The office chair is where you might want to spend a little more. Sitting for long hours on an uncomfortable chair can lead to aches and pains. While basic office chairs start at €50-€100, a truly ergonomic and supportive chair will likely cost €200-€500, and trust me, your back will thank you.

You'll also need some basic storage for documents, books, or supplies. Small bookcases, filing cabinets, or drawer units can be bought for €30-€100. And, of course, your home office won't be much of an office without reliable internet! Ensuring you have a stable connection is crucial for remote work. This usually involves setting up an internet plan with a local provider like Hrvatski Telekom, A1, or Telemach. If you're looking for more detailed information on getting connected, check out our guide on How Do I Set Up Internet at Home in Croatia.

Budgeting Smart and Sourcing Your Furniture in Croatia

Furnishing an apartment can feel like a bottomless pit of expenses if you don't approach it strategically. The key is to have a clear budget, know where to look for items, and be open to different sourcing methods. Croatia offers a decent mix of options, from international big-box stores to local markets, so you have choices.

New vs. Used: Maximizing Your Budget

Deciding whether to buy new or used furniture is one of the biggest budget decisions you’ll make. Buying new furniture has obvious advantages: it's pristine, often comes with a warranty, and you get exactly the style you want. Major retailers like Ikea (in Zagreb, with delivery options to other parts of Croatia), Lesnina XXXL, Emmezeta, and Harvey Norman offer a wide range of new furniture. Be prepared for delivery costs and potential assembly fees if you're not handy. The main drawback, of course, is the higher price tag.

On the other hand, used furniture can save you a significant amount of money and often allows you to find unique, characterful pieces. Croatia has a thriving second-hand market, primarily through online platforms. Njuškalo is the go-to website for everything from sofas to appliances. Facebook Marketplace groups (search for "Prodaja i kupnja namještaja," "Prodajem/Kupujem") are also excellent resources. You can sometimes stumble upon real gems at local buvljaci (flea markets) or charity shops, though these are less common for large furniture pieces. The cons of used furniture include potential wear and tear, the need to arrange your own transport (which can be a hassle if you don't have a vehicle), and the absence of a warranty.

For those with a creative flair and a bit of time, upcycling and DIY projects can be incredibly rewarding and cost-effective. A fresh coat of paint or new hardware can transform an old, inexpensive piece into something stylish and unique, perfectly suited to your new Croatian home.

Shopping Destinations: Online, Big Box, and Local Gems

When it comes to where to actually buy your furniture, you've got several avenues. Online shopping offers convenience, allowing you to browse extensive catalogs from the comfort of your home. Ikea's Croatian website has an online store with delivery services, making it accessible even if you're not in Zagreb. Many other Croatian e-shops also offer furniture, often with competitive pricing. Just be sure to check delivery fees and estimated times, as these can sometimes add a significant chunk to your cost.

For a more traditional shopping experience, large furniture stores are primarily located in and around major cities like Zagreb, Split, Rijeka, and Osijek. Lesnina XXXL, Emmezeta, and Harvey Norman are big players, offering everything from mattresses to kitchen sets. For smaller home goods, decor, and basic items, stores like Jysk, Pepco, and KIK are fantastic for budget-friendly finds. Don't forget that large supermarkets often have sections for kitchenware and small appliances too.

Lastly, don't overlook smaller, independent Croatian shops or local artisans. While they might not be as cheap as the big chains, they can offer unique, high-quality pieces, often reflecting traditional Croatian craftsmanship. Exploring local markets, especially for soft furnishings, art, or decorative items, can also add a distinct local flavor to your apartment.

Strategic Planning for Cost Savings

Furnishing your apartment doesn’t have to happen all at once. A strategic, phased approach can help you manage costs and prevent overspending. First, prioritize what you really need to function. Can you sleep comfortably? Can you prepare basic meals? Can you manage your personal hygiene? Focus on these core needs first.

Once the essentials are in place, you can gradually add items as your budget allows. Maybe you start with a basic couch and upgrade to a nicer one next year, or perhaps you buy a simple kitchen table and then splurge on chairs later. This allows you to spread out the financial burden and also gives you time to get a feel for your new space and what truly works. For a broader understanding of how these costs fit into your overall budget, our comprehensive guide on The Complete Guide to Cost of Living in Croatia for Expats (2026) might be really helpful.

Keeping a meticulous record of your expenses is also incredibly important. A simple spreadsheet can help you track what you’ve spent, what you still need, and where you might be able to cut back. Being mindful of every purchase, no matter how small, adds up quickly!

Beyond the Price Tag: Hidden Costs and Practicalities

Furnishing an apartment in Croatia, much like anywhere else, involves more than just the sticker price of the items themselves. There are often hidden costs and practical considerations that can catch new expats by surprise. Ignoring these details can lead to unexpected budget overruns and a lot of frustration.

Delivery and Assembly Headaches

One of the biggest hidden costs, especially if you’re buying new furniture from a large retailer like Ikea or Lesnina, is delivery. If you live in a city like Split or Dubrovnik and order from Ikea in Zagreb, those delivery fees can be substantial. Always get a clear quote for delivery to your specific address. Prices can range from €50 for local delivery to €200+ for cross-country transport of large items.

Then there's assembly. Are you a flat-pack furniture wizard, or does the thought of interpreting cryptic instructions fill you with dread? Many stores offer assembly services, but this comes at an additional cost, often a percentage of the furniture price or a flat fee per item. Factor this into your budget, especially for complex items like wardrobes or large shelving units. If you're bringing existing furniture from abroad, services like Sirelo can help you find movers, but for local purchases, you'll need to sort out transport.

Finally, consider what to do with old furniture if you’re replacing something the landlord left. Disposal isn’t always straightforward and might involve additional costs or effort to take it to a municipal waste site.

The Small but Mighty Expenses

It’s the little things that often add up fastest and are most commonly forgotten in initial budgeting. Think about lightbulbs – many apartments in Croatia might come with bare fixtures. You'll need to buy bulbs, which can cost a few euros each. Extension cords and power strips are also vital for charging devices and plugging in multiple appliances, and these are often not considered until you desperately need one.

As mentioned earlier, window coverings are often absent in rental apartments. Basic blinds or curtains are more than just decor; they offer privacy and protection from the sun. These can easily add €50-€150 or more to your costs depending on the number and size of your windows.

Also, many apartments won't include a vacuum cleaner, iron, or ironing board. These household staples are essential for keeping your space clean and your clothes presentable. A decent vacuum can cost €50-€150, and an iron and board another €30-€60. These might seem small individually, but together they represent a significant outlay.

Connectivity and Relocation Logistics

While not directly furniture costs, seamless communication and administrative readiness are crucial when furnishing your new home. For instance, when you're out and about, comparing prices, checking opening hours, or coordinating deliveries, a reliable internet connection on your phone is a lifesaver. Getting a local SIM card or using an eSIM service like Airalo can ensure you stay connected without breaking the bank. It's those little moments of needing to quickly check Google Maps for a store location or call a delivery driver that highlight the importance of being connected.

Moreover, don't forget the fundamental administrative steps that underpin all your purchases. To buy anything substantial, or even set up utilities for your apartment (like electricity with HEP, or an internet plan), you'll absolutely need your OIB (personal identification number). Our guide on How Do I Get an OIB (Personal Identification Number) in Croatia explains exactly how to get this crucial number. Similarly, for making larger payments or setting up direct debits for utilities, having a local Croatian bank account is invaluable. Take a look at The Expat Guide to Opening a Bank Account in Croatia for step-by-step instructions. These seemingly unrelated items are critical enablers for your furnishing journey.

Item Category	Basic Estimate (€)	Mid-Range Estimate (€)	Premium Estimate (€)	Notes
Bedroom
Bed frame + Mattress	200 – 400	400 – 800	800 – 1500+	Focus on mattress quality
Wardrobe/Chest of Drawers	100 – 300	300 – 600	600 – 1200+	Essential if no built-in storage
Bedding (sheets, pillows)	50 – 100	100 – 200	200 – 400+	European sizing, check dimensions
Kitchen
Small Appliances	100 – 250	250 – 500	500 – 1000+	Kettle, toaster, microwave, coffee maker. Fridge/oven usually included but verify.
Pots, Pans, Cutlery	80 – 150	150 – 300	300 – 600+	Basic sets vs. quality brands
Dishes, Glasses	50 – 100	100 – 200	200 – 400+
Living Room
Sofa/Couch	250 – 600	600 – 1200	1200 – 2500+	Can be the biggest single cost, consider used options
Coffee Table	50 – 150	150 – 300	300 – 600+
TV Stand/Shelf	50 – 150	150 – 300	300 – 600+
Home Office
Desk + Chair	100 – 250	250 – 500	500 – 1000+	Ergonomic chair is a worthwhile investment
Bathroom/Cleaning
Towels, Mats	30 – 80	80 – 150	150 – 300+
Cleaning Supplies	30 – 80	80 – 150	150 – 300+	Mop, bucket, detergents, vacuum cleaner, iron
Utilities/Extras (Hidden Costs)
Delivery/Assembly	50 – 200	100 – 400	200 – 600+	Varies by distance, store, and item complexity
Curtains/Blinds	50 – 150	150 – 300	300 – 600+	Often not included in rentals
TOTAL ESTIMATE	~1380 – 2980	~2980 – 6380	~6380 – 12000+	These estimates are for furnishing an empty apartment from scratch, excluding major built-in appliances.

Disclaimer

This article is for general informational purposes only and does not constitute professional advice. Laws, prices and regulations vary by location and change over time. Consult a qualified professional for guidance on your specific situation.