Zagreb County County
Official 2024–2025 market data, APN transaction benchmarks, salary and affordability — sourced from MPGI/EIZ and DZS.
Market history
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.
| Period | Achieved €/m² | Asking €/m² (est.) | YoY | Apt. sales | Active listings | Source |
|---|---|---|---|---|---|---|
| 2025-10-01 | €2,083 | ≈ €2,208 | +19.1% | 1,272 | 3,630 | Verified · MPGI |
| 2024-10-01 | €1,749 | ≈ €1,854 | +8% | 1,436 | 3,430 | Verified · MPGI |
| 2023-10-01 | €1,250 | ≈ €1,325 | +13.6% | 2,400 | 3,150 | Estimate |
| 2022-10-01 | €1,100 | ≈ €1,166 | +8% | 2,200 | 2,800 | Estimate |
Investor snapshot — Zagreb County (2025)
Secondary urban market · The numbers an investor needs at a glance.
| Apartment transactions (2025) | 1,272-11.4% YoY |
| Active apartment listings | 1,950 |
| Stock turnover (sales ÷ listings) | 0.65· Strong regional demand |
| Achieved median (MPGI) | €2,083/m²+19.1% YoY |
| Portal asking (est.) | €2,208/m² |
| Asked vs achieved premium | 6.0%· estimated |
Local buyers absorb stock fast. Often Zagreb-commuter spillover or industrial-jobs growth.
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 Zagreb County market structure (Secondary urban market).
Is Zagreb County overvalued? Reading sales vs listings
Zagreb County closed 1,272 apartment sales in 2025 against 1,950 active apartment listings — a ratio of 0.65. That's 18.4 months to clear current stock at the current sales pace.
Compared with the secondary urban market benchmark of ≥0.55 for a tight market,Zagreb County's 0.65 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 (26 municipalities)
Official transaction-based benchmarks used by APN (Croatian Real Estate Agency) — derived from registered Land Registry sales.
| Municipality | €/m² | Year |
|---|---|---|
| Sveta Nedjelja | €2,089 | 2026 |
| Samobor | €2,007.41 | 2026 |
| Stupnik | €1,926.18 | 2026 |
| Brdovec | €1,858.9 | 2026 |
| Velika Gorica | €1,784.22 | 2026 |
| Zaprešić | €1,754.23 | 2026 |
| Dugo Selo | €1,534.2 | 2026 |
| Krašić | €1,487.32 | 2026 |
| Križ | €1,487.32 | 2026 |
| Luka | €1,487.32 | 2026 |
| Marija Gorica | €1,487.32 | 2026 |
| Orle | €1,487.32 | 2026 |
| Pisarovina | €1,487.32 | 2026 |
| Pokupsko | €1,487.32 | 2026 |
| Preseka | €1,487.32 | 2026 |
| Pušća | €1,487.32 | 2026 |
| Rugvica | €1,487.32 | 2026 |
| Sveti Ivan Zelina | €1,487.32 | 2026 |
| Vrbovec | €1,487.32 | 2026 |
| Žumberak | €1,487.32 | 2026 |
| Brckovljani | €1,487.32 | 2026 |
| Dubrava | €1,487.32 | 2026 |
| Farkaševac | €1,487.32 | 2026 |
| Jakovlje | €1,487.32 | 2026 |
| Jastrebarsko | €1,487.32 | 2026 |
| Klinča Sela | €1,487.32 | 2026 |
Salary context (DZS)
Current listings in Zagreb County
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