Dubrovnik, Croatia

Capital City

As a blunt, cynical financial journalist, I must say Dubrovnik is not the idyllic seaside paradise it's often portrayed to be. With a population of 41,562, this city has seen its fair share of challenges, including a heavy tax burden and persistent bureaucratic headaches. The climate, while mild, is prone to unpredictable bouts of blustery winds and thunderstorms that can disrupt daily life. And despite its UNESCO-protected status, the city's infrastructure still bears the scars of the 1991 siege, with 56% of buildings damaged to some degree.

Still, Dubrovnik has its charms - the historic architecture, the thriving cultural scene, and the stunning natural setting. But prospective expats should be prepared for the realities of living in this quintessential Croatian coastal city. If you can navigate the bureaucracy and weather the occasional gale, Dubrovnik may be the right fit. Otherwise, you may want to look elsewhere along the Adriatic.