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🇭🇷 Silo, Primorsko-Goranska (Krk) real estate: sea-view apartments, family homes, plots

Silo, a quaint coastal town nestled in the Primorsko-Goranska County of Croatia, presents a captivating opportunity for a diverse range of property buyers. Whether you're considering a mesmerizing beachside villa or a modern apartment, Silo offers an appealing mix of lifestyle benefits combined with strong real estate potential. With its breathtaking views of the Adriatic Sea, charming cobblestone streets, and a warm Mediterranean climate, Silo stands out not just as a place to live, but as an enticing investment destination. This detailed guide will walk you through everything you need to know about buying property in Silo, from the neighborhood dynamics to the legalities involved.

🌍 Understanding Silo's Location and Lifestyle

Silo enjoys a prime coastal location on the northern Adriatic, surrounded by lush greenery, olive groves, and the stunning blue hues of the sea. This picturesque town boasts an atmosphere perfect for families, retirees, and young professionals alike. The laid-back lifestyle, complemented by the friendly community vibe, makes Silo a preferred choice for many looking to escape urban chaos.

The climate in Silo is characterized by warm summers and mild winters, making it a year-round destination for both locals and tourists. The beaches here are clean and well-maintained, with pebbly shores giving way to clear waters ideal for swimming and various water sports. Locals and visitors flock to various beachside cafes and restaurants that serve fresh seafood and local Croatian delicacies, adding to Silo's charm as a vibrant coastal town.

As a member of the broader tourism circuit in the Kvarner Region, Silo is close to popular destinations like Baška and Vrbnik yet retains its tranquil, small-town character. This unique blend of accessibility and peace is precisely what draws buyers searching for properties in Silo.

📍 Exploring Districts and Neighborhoods in Silo

When considering property in Silo, understanding its distinct neighborhoods is crucial. Here are the key districts that each offer unique living experiences:

  • Silo Town Center: Close to amenities and boasting local shops, cafes, and restaurants, the town center is excellent for those who enjoy a bustling environment. Here, properties tend to have higher turnover and are often sought after for short-term rentals.

  • Coastal Areas: Properties close to the sea often have mesmerizing views and direct beach access. These regions are especially desirable for buyers interested in vacation homes or investment opportunities in the ever-popular holiday rental market.

  • Higher Ground Areas: For buyers seeking a quieter lifestyle, neighborhoods situated on elevated terrain offer sweeping views of the landscape and sea. These areas feature larger plots, more gardens, and potential for privacy, ideal for permanent residence.

💶 Property Prices and Market Overview in Silo

The real estate market in Silo is competitive, with a wide range of prices driven by location and property type. Here's an overview to guide your buying decisions:

  • Price Ranges by District:

    • Town Center: €2,000 to €3,500 per square meter
    • Coastal Areas: €2,800 to €4,500 per square meter
    • Higher Ground Areas: €1,800 to €3,200 per square meter
  • Average Prices by Property Type:

    • Apartments: Range from €100,000 to €300,000 depending on size and proximity to the sea.
    • Villas: Typically start at €250,000 and can exceed €1 million for luxury properties.
    • Townhouses: Prices usually range from €150,000 to €400,000.
  • Recent Price Dynamics: Silo's real estate market has seen a steady increase in property values, particularly in the last few years. This surge is attributed to a growing interest from foreign investors seeking vacation homes and the increasing popularity of short-term rentals driven by tourism.

🚍 Transport and Connectivity in Silo

Accessibility is one of Silo's key advantages, making it an attractive option for buyers. The town is well-connected by a network of roads and public transport options:

  • Public Transport: Silo is served by reliable bus services that link to nearby towns and larger cities like Crikvenica, Rijeka, and Opatija.

  • Road Access: The E65 highway is easily accessible, providing a direct route to major Croatian cities and regions.

  • Travel Times:

    • Rijeka: Approximately 30 minutes
    • Pula: About 1.5 hours
    • Zagreb: Roughly 2 hours

This reliable transport network facilitates the easy commuting of residents and tourists, enhancing the area's desirability for buyers seeking both permanent and seasonal homes.

🏙️ Urban Infrastructure and Amenities in Silo

Silo is well-equipped with amenities that cater to both everyday needs and recreational desires:

  • Schools: Local educational facilities provide ample opportunities for families with children, including primary schools and kindergartens.

  • Healthcare: The nearby hospital and numerous medical clinics ensure residents have access to essential health services.

  • Leisure and Shopping: Silo offers convenient shopping options with flecks of local markets enriched with Croatian culture. The enchanting waterfront promenade hosts outdoor cafes and restaurants, ideal for social gatherings.

  • Parks and Recreation: Beautiful parks provide spots for relaxation and outdoor activities, while local beaches invite water sports enthusiasts.

💡 Economic Environment and City Development in Silo

Silo benefits from a robust economic environment bolstered by tourism and local businesses. Its growth is driven by:

  • Tourism: Increasing numbers of tourists flock to Silo each year for its natural beauty and recreational opportunities, boosting the local economy and presenting excellent prospects for investment property.

  • Business Hubs: The proximity to larger towns like Crikvenica offers additional employment opportunities in various sectors, including tourism, hospitality, and retail.

  • Investment Opportunities: The local government has prioritized the development of infrastructure, making it an appealing locale for investors interested in real estate investment in Silo.

🏘️ Understanding Property Formats and Housing Types in Silo

In Silo, a variety of property formats cater to diverse buyer preferences:

  • New Developments: Attractively designed new build properties in Silo often come with modern amenities and eco-friendly features. Many projects are situated close to the coast, appealing to buyers seeking luxury at a prime location.

  • Resale Properties: For those who prefer traditional architecture or established neighborhoods, resale properties in Silo often offer character and charm.

  • Off-Plan Opportunities: Investing in off-plan property in Silo might present buyers with considerable potential for value appreciation, as new projects are launched to meet demand.

🏗️ Developers and Key Residential Projects in Silo

Several reputable developers operate in the Silo region, known for their quality construction and reliability:

  • Kroatien Invest: Renowned for high-quality villas and projects emphasizing sustainable design.
  • Adriatic Real Estate: Specializing in developments ideal for both residences and vacation rentals.
  • Primorska Grupa: Focused on eco-friendly apartments that blend seamlessly into the local landscape.

Each of these developers contributes to the appealing and diverse property landscape available for buyers in Silo.

🏦 Mortgage, Financing, and Installment Options for Foreign Buyers

Silo’s real estate market is accessible to foreign buyers, and various financing options are available:

  • Mortgage Availability: Foreign buyers can secure mortgages with local banks; typically, the down payment averages around 20% to 30% of the property's value.

  • Interest Rates: Rates can vary but generally hover around 3% to 5%, depending on the lender and economic conditions.

  • Installment Plans: Some developers offer property in Silo with an installment plan, allowing buyers to spread payments over several years, making property acquisition more manageable.

📜 Property Purchase Process for Foreign Buyers in Silo

Understanding the property purchase process in Silo is essential for foreign investors:

  1. Engage a Local Real Estate Agent: Partnering with an expert who understands the local market can streamline the buying process and help negotiate favorable terms.

  2. Legal Due Diligence: Consider hiring a lawyer to oversee the legal facets, ensuring compliance and safeguarding your interests throughout the process.

  3. Offer and Contract: Once you find the desired property, a formal offer is submitted. Upon acceptance, a preliminary contract is signed, commonly accompanied by a deposit of 10% to 15% of the purchase price.

  4. Finalizing Purchase: The final contract is executed in front of a notary, and the ownership is transferred upon full payment.

⚖️ Legal Aspects and Residence Options in Silo

For those considering residency, it's vital to understand the legal rules regarding property ownership in Croatia:

  • Ownership for Foreigners: Foreigners can purchase property in Croatia, often without restrictions, although verification by local authorities may be necessary.

  • Taxes and Fees: Property buyers should account for a transfer tax, typically around 3% of the purchase price, alongside potential notary and legal fees.

  • Residence Permits: Acquiring real estate may provide pathways to residence permits, allowing buyers to enjoy the benefits of living in this beautiful destination.

🏡 Diverse Property Use Cases in Silo

Investing in property in Silo opens up a range of possibilities depending on your needs:

  • Permanent Residence: Areas like the quieter neighborhoods provide comfortable living spaces suitable for families and retirees.

  • Investment for Rental Income: Properties in the town center and coastal locales can yield significant returns when marketed for short-term rentals given the influx of seasonal tourists.

  • Second Home and Holiday Use: Many investors buy holiday homes near the beach to enjoy personal vacations while benefiting from rental income during off-peak times.

  • Relocation and Lifestyle Change: For individuals looking to escape urban living, Silo offers a fulfilling lifestyle, making it suitable for both holiday getaways and long-term relocation.

By exploring the unique opportunities and considerations for property buyers in Silo, you can find a landscape ripe for both living and investment. The combination of its stunning environment, accessible amenities, and strong economic fundamentals makes Silo a captivating choice for discerning buyers.

Frequently Asked Questions

What do properties in Silo typically cost for apartments, houses, and seafront villas?

Prices in Silo vary by type and location. Small studio/1‑bed apartments: about $60,000–$150,000 (450,000–1,125,000 HRK). Larger 2–3 bed flats: $100,000–$300,000 (750,000–2,250,000 HRK). Detached family houses: $150,000–$700,000 (1,125,000–5,250,000 HRK). Seafront villas with land: $400,000–$1,500,000+ (3,000,000+ HRK). Prices rise for direct waterfront and renovated properties.

Can foreigners buy real estate in Silo and what rules should I know?

EU citizens buy in Silo with the same rights as locals. Non‑EU nationals may need reciprocity/permission from Croatian authorities or buy via a Croatian legal entity—approval is commonly required. Ownership always registers in the land registry (cadastre). Always check title clearances, zoning and whether the plot has any purchase restrictions before paying deposits.

What rental yields and seasonality can an investor expect from Silo real estate?

Silo is tourism‑driven: strong summer demand and low winter occupancy. Typical gross yields: short‑term holiday rentals 4–8% annually, long‑term rentals 2.5–5%. Peak occupancy is concentrated in summer months; off‑season occupancy can drop sharply. Liquidity is moderate—coastal/harbour units sell faster than inland properties.

How practical is living full‑time in Silo — schools, healthcare, shops and transport?

Silo offers basic daily services: small shops, cafes, a primary school and local GP. For hospitals, specialists and larger shopping head to Krk or Rijeka—reachable by car in about 30–60 minutes depending on traffic. Public buses exist but are limited off‑season. Expect a quiet coastal lifestyle; private transport is useful for full‑time residents.

Is Silo a good place for digital nomads or remote workers — internet and long‑stay options?

Silo can suit remote workers: mobile 4G coverage is good; many properties offer DSL or fiber where infrastructure exists, with typical speeds 50–200 Mbps depending on connection. Croatia offers a digital nomad residence permit allowing non‑EU remote workers to stay up to 12 months. Coworking is limited locally, so plan for home‑office setup or travel to nearby towns for shared spaces.

What taxes and transaction costs should I budget when buying property in Silo?

For resale purchases expect a property transfer tax of 3% of the purchase price. New‑build purchases from a seller are generally subject to VAT at 25% instead of transfer tax. Additional costs: notary/registration and administrative fees $800–$3,000, real estate agent commission typically 2–5% of price, and inspection/legal due‑diligence fees. Budget for annual property taxes and utilities separately.

What common risks or pitfalls should I avoid when buying in Silo and how long does closing usually take?

Watch for missing building permits, unregistered extensions, unclear cadastral entries, and disputed access. For resale properties expect a clean title check and local tax clearance. Typical closing timeline: resale 2–4 months after offer; new builds or complex cases 6–24+ months depending on permits and construction. Use a local lawyer and survey to reduce risk.

Which parts of Silo are best for short‑term holiday rentals versus year‑round family living?

For holiday rentals target waterfront, harbour and ground‑floor apartments with sea views—these get high summer bookings. For year‑round living choose upper village zones or sheltered bays with quieter streets, better parking and proximity to shops/school. Inland properties often have lower seasonal fluctuation and are better for families seeking stability.

What should I check if I want to buy an off‑plan apartment in Silo to protect myself?

Verify valid building and planning permits, proof of land ownership, and that the project is registered in the cadastre. Insist on a clear purchase contract with phased payments, bank guarantee or escrow for deposits, fixed completion timelines and penalties for delays. Typical completion timelines vary 12–36 months; have contracts reviewed by a local attorney and secure documented progress reports.

How does buying property in Silo for investment differ from buying to live there?

Investment focus: location near beach/harbour, high guest appeal, furnished turn‑key condition, stronger marketing and management needs, and attention to short‑term rental rules and occupancy peaks. Buying to live prioritizes comfort, schools, parking and year‑round utilities. Tax and licensing implications differ—investment may need VAT planning and professional property management budgeting.

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