Cost of living in Montenegro for expats
A realistic monthly budget for one person living comfortably in Montenegro — rent, food, transport, and everyday costs in Kotor.
$1,500–2,200
One person, all-in, in Kotor
$600–1,100
1-bedroom city-centre apartment, per month
Moderate
~$1,500–2,800/mo
What makes Montenegro stand out, and what to watch for
Why expats choose Montenegro
Stunning Adriatic coast, EU candidate status, a 9% flat tax rate, and low costs compared to its Mediterranean neighbours make Montenegro an increasingly popular European base for digital nomads.
Watch out for
The Bay of Kotor is overwhelmed by tourism July–August and rents spike dramatically; outside tourist season services thin out; the interior is less developed.
Costs vary a lot by city, neighbourhood, and lifestyle — these are directional monthly bands for the main expat city, current as of 2026. Treat them as a starting point, not a quote. Information only, not financial advice.
Cost of living elsewhere in Europe
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