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Croatian county · HASC HR.OB

Osijek-Baranja County

Official 2024–2025 market data, APN transaction benchmarks, salary and affordability — sourced from MPGI/EIZ and DZS.

Avg asking €/m²
€1,556
-39.9% vs Croatia
Apartments for sale
YoY price change
+10.4%
National trends →
Transactions (latest)
828
How is this counted? →
Rental yield
5%
Rentals
Live listings in Osijek-Baranja

Market history

Data quality notice

Rows tagged Verified · MPGI are extracted directly from the official MPGI/EIZ Pregled tržišta nekretnina RH report (2024 & 2025 editions, Tablica 3.2 for counties & Tablica 3.6 for cities, presented 30.04.2026). Croatia-wide 2025: 88,395 transactions (-21.7%), median apartment €2,587/m² (+11.3%), €7.68B total value, 8.3% of GDP. The City of Zagreb row uses total transactions (13,126) and median apartment price (€2,917/m²); other counties show apartment sales & median €/m² from the same table — fully comparable. Rows tagged Estimate (2022–2023) come from outside the official MPGI series and should not be used for decisions. See the national report for the full sourced view.

PeriodAchieved €/m²Asking €/m² (est.)YoYApt. salesActive listingsSource
2025-10-01€1,556≈ €1,649+10.4%8282,650Verified · MPGI
2024-10-01€1,410≈ €1,495+7%1,1892,490Verified · MPGI
2023-10-01€1,150≈ €1,219+15%1,6002,330Estimate
2022-10-01€1,000≈ €1,060+6%1,5002,000Estimate

Investor snapshot — Osijek-Baranja (2025)

Secondary urban market · The numbers an investor needs at a glance.

Verified · MPGI
Apartment transactions (2025)828-30.4% YoY
Active apartment listings1,200
Stock turnover (sales ÷ listings)0.69· Strong regional demand
Achieved median (MPGI)€1,556/m²+10.4% YoY
Portal asking (est.)€1,649/m²
Asked vs achieved premium6.0%· estimated
Source: MPGI/EIZ 2025 (T3.2 verified)
Stock turnover
0.69
sales ÷ active listings · Osijek-Baranja
Strong regional demand
Verified · MPGI
StagnantSlowSteadyStrong

Local buyers absorb stock fast. Often Zagreb-commuter spillover or industrial-jobs growth.

Sales/yr
828
Listings
1,200
Months to clear
17.4
Secondary urban market thresholds: ≥0.55 strong regional demand · ≥0.3 steady demand · ≥0.15 slow burn · ≥0 stagnant. Secondary cities (Osijek, Varaždin, Karlovac, Zagreb commuter ring) trade slower than the capital but faster than rural counties. Reference: Comparable mid-EU regional cities run 0.3–0.6 in healthy years..
Asked vs achieved · Osijek-Baranja
Achieved verified · asking estimated
Portal asking (est.)
€1,649/m²
What sellers list at
MPGI achieved (closed)
€1,556/m²
What buyers actually pay
Asking premium: 6.0%above achieved
On a 70 m² apartment in Osijek-Baranja:
Listed at:€115,430
Typical close:€108,920
Negotiation headroom:€6,510

Asking estimated as 6% above MPGI achieved median (typical 4–8% spread per MPGI/EIZ 2025 commentary). Verify with last 3 closed comparables.

What the data actually means

Interpreting transactions, listings, asked vs achieved prices, and the Osijek-Baranja market structure (Secondary urban market).

Demand signal · Secondary urban market
Strong regional demand
Local buyers absorb stock fast. Often Zagreb-commuter spillover or industrial-jobs growth.
Sales / listings: 0.69 · Months to clear: 17.4
Apartment sales YoY
-30.4%
Croatia overall: -21.6% · Osijek-Baranja is tracking with the national trend.
Asked vs achieved
€1,556 asked
≈ €1,463 closed (median est.)
Portal asking prices are typically 4–8% above MPGI-recorded closing prices.
Is Osijek-Baranja overvalued? Reading sales vs listings

Osijek-Baranja closed 828 apartment sales in 2025 against 1,200 active apartment listings — a ratio of 0.69. That's 17.4 months to clear current stock at the current sales pace.

Compared with the secondary urban market benchmark of ≥0.55 for a tight market,Osijek-Baranja's 0.69 reads as "strong regional demand". Local buyers absorb stock fast. Often Zagreb-commuter spillover or industrial-jobs growth.

Important: stock turnover ≠ valuation. Overvaluation is better diagnosed by affordability (price-to-income, price-to-rent) — see the affordability section below.

Why fewer transactions doesn't mean less demand — the lock-in effect

National sales fell -21.6% in 2025, but that doesn't mean fewer people want to buy. Most owners do not treat property as a tradable asset — they live in it, rent it out, or hold it for the next generation.

Anyone who bought in 2018–2022 is sitting on 40–80% paper gains. Selling means triggering capital decisions, finding a replacement home in the same hot market, and (often) trading a sub-3% legacy mortgage for a 4–5% new one. Most simply don't list. The result is a shrinking float of available stock — the same pattern seen in the US ("rate lock") and Germany ("Bestandsmieten").

So: fewer transactions + flat or rising prices = supply contraction, not demand collapse.

Asked price vs finalised price — what the gap tells you

Two different numbers circulate in Croatian property reporting:

  • Asking price (Njuškalo, Nekretnine.hr): what sellers hope to get. Typically 4–8% above achieved.
  • Achieved / closed price (MPGI/EIZ from Land Registry sales): what was actually paid and registered.

Our €/m² figures from MPGI are achieved medians. Portal asking prices you see while browsing will look higher. Always ask agents for the last 3 closed comparable sales. The gap widens in slowing markets (more negotiation room) and narrows in hot ones.

Where else did transactions rise in 2025?

Despite the national -21.6% drop, a handful of counties bucked the trend:

  • City of Zagreb — apartment sales held near 2024 levels (≈7,600), the largest active urban market.
  • Krapina-Zagorje (+11%) and Karlovac (+17%) — Zagreb commuter spillover as buyers priced out of the capital move outward.
  • Vukovar-Srijem and Bjelovar-Bilogora — coming off very low bases, double-digit growth from cheap entry prices and state-aid programmes.

The pattern is clear: Zagreb metro and its commuter ring stay liquid; the coast cooled from record 2022–2023 highs but prices kept rising on shrinking supply.

APN benchmark prices (42 municipalities)

Official transaction-based benchmarks used by APN (Croatian Real Estate Agency) — derived from registered Land Registry sales.

Municipality€/m²Year
Osijek€1,444.022026
Našice€1,123.672026
Đakovo€1,123.252026
Antunovac€949.322026
Bilje€949.322026
Bizovac€949.322026
Čeminac€949.322026
Čepin€949.322026
Darda€949.322026
Donja Motičina€949.322026
Donji Miholjac€949.322026
Draž€949.322026
Drenje€949.322026
Đurđenovac€949.322026
Erdut€949.322026
Ernestinovo€949.322026
Feričanci€949.322026
Gorjani€949.322026
Jagodnjak€949.322026
Kneževi Vinogradi€949.322026
Koška€949.322026
Levanjska Varoš€949.322026
Magadenovac€949.322026
Marijanci€949.322026
Petlovac€949.322026
Petrijevci€949.322026
Podgorač€949.322026
Podravska Moslavina€949.322026
Popovac€949.322026
Punitovci€949.322026
Satnica Đakovačka€949.322026
Semeljci€949.322026
Šodolovci€949.322026
Strizivojna€949.322026
Trnava€949.322026
Viljevo€949.322026
Viškovci€949.322026
Vladislavci€949.322026
Vuka€949.322026
Valpovo€851.542026
Belišće€845.322026
Beli Manastir€655.752026

Cities in Osijek-Baranja — affordability

Click any city for full details, listings and burden breakdown.

Salary context (DZS)

Avg net €
€1,120
Median net €
€1,020
Avg gross €
€1,750
Period
2025-09-01

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