According to the first estimate of the Croatian Bureau of Statistics, the prices of goods and services for personal consumption in Croatia continued to rise in November 2025.

Measured by the national consumer price index, which serves as the main measure of inflation, overall prices were on average 3.8 percent higher year-on-year, compared with November 2024. Observed on a monthly basis, compared with October 2025, consumer prices rose by 0.6 percent in November.

What lies behind the figure of 3.8 percent?

To understand the structure of this annual price increase, it is necessary to analyze the main components of the index, that is, the categories of products and services that citizens buy most often. The strongest pressure on price growth still comes from the services sector, whose prices jumped by a high 6.6 percent on average. This is followed by energy with a price increase of 5.3 percent, which refers to everything from electricity and gas to fuel, and food, beverages and tobacco with a price increase of 4.1 percent. These three segments in particular, despite the slight slowdown in inflation, continue to significantly affect the finances of all Croatian households.

It is interesting to note that in the segment of industrial non-food products excluding energy, which includes a wide range of items such as clothing, footwear, durable goods and the like, a slight price decline of 0.1 percent was recorded compared with November last year, indicating that price pressures from imported goods are gradually easing.

When we look at developments within the month itself, it is noticeable that the monthly price jump of 0.6 percent was primarily caused by more expensive energy, where an increase of 3.6 percent was recorded, while other industrial non-food products rose slightly by 0.1 percent. On the other hand, it is encouraging that the prices of food, beverages and tobacco as well as services remained on average at the same level, that is, they stagnated, compared with October 2025.

Croatian inflation twice as high as the European Union

For comparison with other member states of the European Union, the Harmonised Index of Consumer Prices (HICP) is used, which is calculated according to a European harmonised methodology and also includes the consumption of tourists and non-residents in Croatian economic territory. According to that measure, the annual inflation rate in Croatia in November amounted to 4.3 percent.

At the same time, the first estimate for November 2025 in the entire Eurozone shows that average annual inflation rose to 2.2 percent, which is only a slight increase compared with October when it stood at 2.1 percent. This means that Croatia's inflation rate, measured by the HICP, is almost twice as high as the Eurozone average.

The difference is particularly noticeable in key segments, so in the Eurozone the annual growth in service prices was estimated at 3.5 percent, while in Croatia it amounted to a high 6.6 percent. The same applies to food, beverages and tobacco, whose price in the Eurozone rose at a rate of 2.5 percent, considerably more mildly than in Croatia, where the increase reached 4.1 percent. The only category recording a decline in the Eurozone is energy, with a negative rate of 0.5 percent, while in Croatia energy continues to become more expensive by 5.3 percent.

These data show that despite the nominal slowdown in inflation at the national level, Croatia still remains under strong price pressure, which is considerably more pronounced compared with most of the countries with which it shares the euro. It should be noted that this is the first estimate, and the final, detailed data for November 2025 will be published on 15 December 2025..