Moving to Croatia from the US & Canada in 2026 — Complete Guide
TL;DR: Moving to Croatia from the U.S. or Canada in 2026 is easier than ever thanks to expanded visa options, including longer digital nomad stays and more flexible residence permits. Americans and Canadians can enter Croatia visa-free for up to 90 days, then apply for temporary residence based on work, business ownership, property, family ties, or remote work. Digital nomads can now stay up to 18 months with proof of income around €3,295 per month. After five years of continuous legal stay, foreigners may qualify for permanent residence — and later, citizenship. Property ownership is allowed for non-EU citizens, and Croatia’s cost of living remains moderate compared to Western Europe.
Croatia offers a compelling blend of Mediterranean climate, EU access, stable infrastructure, and a lifestyle that balances modern comfort with coastal charm. For citizens of the United States and Canada, it presents an excellent relocation destination — whether for work, remote employment, retirement, or investment.
US and Canadian passport holders can generally enter Croatia without a visa for up to 90 days within a 180-day period. If you plan to stay longer than this, you’ll need to apply for a specific type of residence permit.
Key tip: Don’t assume you can simply arrive as a tourist and extend your stay indefinitely. Long-term relocation requires the correct legal status, and in most cases, you must apply for a residence permit soon after arrival or from your home country.
If you intend to live in Croatia beyond the 90-day visa-free period, you’ll need a temporary residence permit. Common pathways for US and Canadian citizens include:
Employment: Secure a position with a Croatian employer and apply for a combined stay and work permit.
Self-employment or business ownership: Establish a Croatian company or branch and apply for stay based on business activity.
Property ownership or prepaid rent: Owning property or prepaying rent can serve as the basis for residence, although it may not grant work rights.
Family reunification: Spouses, parents, or children of Croatian citizens or residents can apply under family grounds.
You’ll need a valid passport, criminal record certificate, proof of accommodation, sufficient financial means, and health insurance. Most temporary residence permits are valid for one year and can be renewed, with some categories allowing longer validity.
Croatia’s digital nomad residence permit is one of the most attractive options for remote professionals. It allows non-EU citizens who work for foreign companies or clients to live in Croatia without paying local income tax on that income.
As of 2026:
The maximum stay has been extended to 18 months.
The minimum monthly income requirement is approximately €3,295, or proof of equivalent savings for the duration of the stay.
Applicants must show proof of remote employment, accommodation, and valid health insurance.
This permit is ideal for remote workers seeking a European base without becoming tax residents. However, it does not automatically lead to permanent residence or citizenship.
If you plan to stay in Croatia long term, there are two main stages after temporary residence:
Permanent Residence: After five consecutive years of legal stay, you can apply for permanent residence, which provides more stability and fewer renewal obligations.
Citizenship: Once you hold permanent residence, you can later apply for Croatian citizenship through naturalization, provided you meet the language, legal, and residency requirements.
Certain exceptions may allow for faster routes to permanent stay, such as family ties or Croatian heritage.
Property
Citizens of the US and Canada can buy real estate in Croatia, subject to conditions of reciprocity. Property ownership can support a residence application, but it doesn’t automatically grant residence or citizenship.
Taxation
If you live in Croatia for more than 183 days per year or establish your main economic interests there, you’ll likely become a Croatian tax resident. Digital nomads working exclusively for foreign companies generally do not become tax residents, but it’s essential to seek expert tax advice before relocating.
Cost of Living
Croatia remains more affordable than many Western European destinations, though prices are rising. Budget realistically for rent, food, health insurance, and other living expenses, particularly in popular cities like Split, Dubrovnik, and Zagreb.
Health Insurance
All foreign residents must have valid health insurance. Those under digital nomad permits must show proof of international coverage.
Both US and Canadian citizens are eligible for all major residence permit types, including the digital nomad permit.
Entry for up to 90 days without a visa remains valid for tourism and short-term visits.
For stays exceeding 90 days, you must have a valid residence permit issued by Croatian authorities.
Tax obligations in your home country (IRS or CRA) remain relevant while abroad, depending on your income sources and residency status.
Consider the practical aspects of relocation — such as time zone differences, banking, and integration into Croatian culture — before making the move.
Define your relocation purpose: employment, business, digital nomad lifestyle, or retirement.
Review financial readiness: confirm your income or savings meet the requirements.
Secure housing (rental or ownership) and prepare documentation.
Obtain health insurance valid in Croatia.
Apply for the appropriate residence permit.
Register your address with the local police once your permit is approved.
Relocate and ensure compliance with all Croatian laws and reporting duties.
Track your residence duration toward permanent or long-term status.
Manage tax and healthcare obligations in both Croatia and your home country.
For family members, apply under family reunification as soon as possible to align visa timelines.
Relocating to Croatia requires careful attention to documentation, timing, and compliance. Relocation Croatia specializes in guiding Americans and Canadians through every stage — from choosing the right visa path to registering residence, securing housing, and understanding tax obligations.
If you’re planning to make Croatia your new home, professional support can save you time, money, and unnecessary stress.
Book your consultation today — and let Relocation Croatia handle the details so you can focus on your new life by the Adriatic.