Calculator
What does a house cost to move in?
The house price is only part of the cost. Calculate the full amount, from foundation to keys, and the mortgage payment under Croatian National Bank (HNB) rules.
Stela Nova 120
Stela Haus · two-storey · footprint 7,5 × 10,5 m · turnkey 1.791 €/m² · incl. VAT (the manufacturer lists it without VAT, we added 25%)
Total to move in, most likely
≈ 256.000 €
Range 241.000 € – 270.000 €, depending on location and contractors
Mortgage payment
loan 196.000 € · 25 yrs · 3,4%
968 €
- House84 %
- Site works, permits and fees13 %
- Utility connections3 %
Fit-out is not included: kitchen, furniture and garden work (fence, driveway) depend heavily on your choices, so plan them separately. The reserve and loan costs are excluded.
Basics
Ground-floor footprint 79 m² (from the house data)
Plot
Location
Affects the municipal utility fee (per m³, set by the municipality) and drainage.
Land
Cost breakdown
Open a group to see details and adjustHouse214.920 €
- 214.920 €
House (manufacturer price)
120 m² × 1.791 €/m²
Default - 0 €
Transport and assembly
Included in the manufacturer price ·
Default
Site works, permits and fees22.000 € – 45.000 €
- 8.000 € – 14.000 €
Foundation slab
Footprint 79 m² × 100–180 €/m²
Default - 3.000 € – 8.000 €
Excavation and site preparation
Flat plot
Default - 3.600 € – 7.200 €
Design and building permit
120 m² × 30–60 €/m²
Default - 3.000 € – 6.000 €
Supervision, soil report, energy certificate, occupancy permit
Required by law
Default - 3.500 € – 7.300 €
Municipal and water fees
≈ 432 m³ × 8–17 €/m³, depends on the municipality and zone
Default - 1.500 € – 2.500 €
Surveyor
Survey, setting out, report
Default
Utility connections4.000 € – 10.000 €
- 1.500 € – 4.000 €
Electricity
Depends on connection capacity and distance to the grid
Default - 1.000 € – 3.000 €
Water
Meter shaft and connection
Default - 1.000 € – 3.000 €
Sewer
Connection to the public network ·
Default
A separate contingency estimate, excluded from the project total, loan and required down payment. Applied to the house, site works and connections, not to land.
Financing
Not stored and never included in the share link.
Nominal rate from the bank's offer. The default is the 2026 average.
Interested in a future financing service?
Interested in a future financing service?
Send your interest to Krovke. We do not currently forward your data to banks or lending partners; we will ask for separate consent if that service becomes available.
To move in · payment
≈ 256.000 € · 968 € / mo.