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Croatian county · HASC HR.ZG

Zagreb County County

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

Avg asking €/m²
€2,083
-19.5% vs Croatia
Apartments for sale
YoY price change
+19.1%
National trends →
Transactions (latest)
1,272
How is this counted? →
Rental yield
4%
Rentals
Live listings in Zagreb County

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€2,083≈ €2,208+19.1%1,2723,630Verified · MPGI
2024-10-01€1,749≈ €1,854+8%1,4363,430Verified · MPGI
2023-10-01€1,250≈ €1,325+13.6%2,4003,150Estimate
2022-10-01€1,100≈ €1,166+8%2,2002,800Estimate

Investor snapshot — Zagreb County (2025)

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

Verified · MPGI
Apartment transactions (2025)1,272-11.4% YoY
Active apartment listings1,950
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 premium6.0%· estimated
Source: MPGI/EIZ 2025 (T3.2 verified — apartment sales & median)
Stock turnover
0.65
sales ÷ active listings · Zagreb County
Strong regional demand
Verified · MPGI
StagnantSlowSteadyStrong

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

Sales/yr
1,272
Listings
1,950
Months to clear
18.4
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 · Zagreb County
Achieved verified · asking estimated
Portal asking (est.)
2,208/m²
What sellers list at
MPGI achieved (closed)
2,083/m²
What buyers actually pay
Asking premium: 6.0%above achieved
On a 70 m² apartment in Zagreb County:
Listed at:154,560
Typical close:145,810
Negotiation headroom:8,750

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).

Demand signal · Secondary urban market
Strong regional demand
Local buyers absorb stock fast. Often Zagreb-commuter spillover or industrial-jobs growth.
Sales / listings: 0.65 · Months to clear: 18.4
Apartment sales YoY
-11.4%
Croatia overall: -21.6% · Zagreb County is outperforming the national trend.
Asked vs achieved
2,083 asked
≈ €1,958 closed (median est.)
Portal asking prices are typically 4–8% above MPGI-recorded closing prices.
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€/m²Year
Sveta Nedjelja2,0892026
Samobor2,007.412026
Stupnik1,926.182026
Brdovec1,858.92026
Velika Gorica1,784.222026
Zaprešić1,754.232026
Dugo Selo1,534.22026
Krašić1,487.322026
Križ1,487.322026
Luka1,487.322026
Marija Gorica1,487.322026
Orle1,487.322026
Pisarovina1,487.322026
Pokupsko1,487.322026
Preseka1,487.322026
Pušća1,487.322026
Rugvica1,487.322026
Sveti Ivan Zelina1,487.322026
Vrbovec1,487.322026
Žumberak1,487.322026
Brckovljani1,487.322026
Dubrava1,487.322026
Farkaševac1,487.322026
Jakovlje1,487.322026
Jastrebarsko1,487.322026
Klinča Sela1,487.322026

Salary context (DZS)

Avg net €
€1,300
Median net €
€1,180
Avg gross €
€1,920
Period
2025-09-01

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