Life in Montenegro increasingly attracts foreigners, including digital nomads. Explore the cost of living, quality of everyday life in this Mediterranean country, and the best cities for newcomers, including digital nomads.
In recent years, Montenegro has become one of the most desirable places to live in the Balkans and the Mediterranean. The combination of sea and mountains, a stable real estate market, lower cost of living compared to Western Europe, and a relaxed lifestyle make it attractive not only to foreign property buyers but also to families, retirees, and digital nomads.
In this guide, we provide a realistic overview of the cost of living in Montenegro, as well as aspects that cannot be measured in money alone — the quality of life.
Housing costs (excluding property purchase price)
Housing costs in Montenegro vary significantly depending on the location, apartment size, and season.
Monthly utility costs (electricity, water, garbage, building maintenance)
on average €80–150 for an apartment of 50–70 m²
Internet and TV packages:
between €25–40 per month
Heating and cooling:
Most households use air conditioning and electricity; winter costs are moderate, especially on the coast.
On the coast, costs are somewhat higher during the summer season, while in Podgorica and northern municipalities, they remain more stable throughout the year.
Food and everyday expenses in Montenegro
One of the biggest advantages of living in Montenegro is the availability of fresh, local produce and affordable prices compared to EU countries.
Monthly food expenses for one person:
250–350 €
Family shopping (4 members):
on average 500-700 €
Markets and local producers offer fresh fruit, vegetables, olive oil, cheese, and fish at affordable prices.
Meals in restaurants are affordable:
Lunch in a local restaurant: €8–12
Dinner for two in a nicer restaurant: €30–50
Transport and mobility
Montenegro is a small country, and the distances between cities are also quite short.
Public transport (buses) : affordable, but limited in smaller towns.
Fuel: fuel prices are lower than in most EU countries.
Owning a car is convenient, especially outside major cities.
Taxis and ride apps are available in Podgorica, Budva, and along the coast.
Monthly transportation costs are on average 50–100 €, depending on habits.
Healthcare and medical services
The healthcare system in Montenegro combines public and private services.
Public healthcare is available to residents, but often with longer waiting lists.
Private clinics offer fast and high-quality services at reasonable prices.
Private health insurance:
from €40–100 per month, depending on the plan.
Many foreign residents use a combination of public and private healthcare.
Education and family life in Montenegro
Montenegro is a safe and peaceful country, suitable for family life.
Public schools and kindergartens are free of charge.
Private and international schools (Podgorica, Tivat):
Tuition fees range from €3,000 to €8,000 per year.
Smaller communities offer a healthier environment, proximity to nature, and a slower pace of life. The coast is full of small towns that provide a peaceful and healthy lifestyle, while keeping you close to city centers with important cultural and artistic events often less than a half-hour drive away.
Quality of life in Montenegro
Beyond the financial aspect, Montenegro offers what is considered top-tier luxury today — an environment where it is easy to find a balance between work and personal life.
Nature and climate: over 240 sunny days per year on the coast.
The sea, mountains, national parks, and lakes within a short distance are ideal for an active and healthy lifestyle.
Safety and pace of life: low crime rates, a friendly and hospitable culture, and a slower, more relaxed daily rhythm compared to most Western countries, while still maintaining the security of life and property found in other European nations.
Business and investment opportunities:
- favorable tax system
- a growing real estate market
- an attractive destination for long-term investments
Is life expensive in Montenegro?
Compared to Western Europe, Scandinavia, or North America — no, life in Montenegro is not expensive.
Montenegro offers a high quality of life with moderate expenses, especially for those who buy property and plan a long-term stay.
Life in Montenegro for digital nomads
Montenegro is increasingly appearing on the map for digital nomads seeking a balance between work, nature, and quality of life.
A stable internet infrastructure, affordable cost of living, and attractive locations make it a practical choice for remote work.
According to the VisaGuide Digital Nomad Index, in 2025 Montenegro was the third-best ranked destination for digital nomads worldwide. Let’s look at more details!
Internet and work infrastructure
Internet connection in major cities and along the coast is stable and fast enough for remote work.
High-speed fiber-optic internet is available in Podgorica, Tivat, Budva, and Kotor.
The average internet speed is sufficient for video calls, online collaboration, and cloud tools.
Monthly internet cost: 25–40 €
More and more cafés and restaurants offer reliable Wi-Fi, especially in urban and tourist areas.
Coworking spaces and working from cafés:
In the past few years, numerous coworking spaces have opened, especially in Podgorica and along the coast.
Coworking spaces offer flexible packages (daily, weekly, and monthly).
Prices of monthly membership in coworking spaces range from 100 do 250 €.
Working from cafés is common and socially accepted.
Smaller towns offer a quieter environment, ideal for focused work.
Cost of living for digital nomads
Digital nomads in Montenegro can live comfortably with moderate expenses.
Monthly budget for one person: 900–1,500 €
Long-term rentals are significantly cheaper outside the summer season.
Buying property is becoming an increasingly common choice for long-term stays.
Visa regulations and residency
Citizens of many countries can stay in Montenegro for up to 90 days without a visa. For longer stays, it is possible to obtain temporary residency based on remote work, starting a business, or property ownership.
The procedure is simpler compared to most EU countries, with low administrative costs.
Quality of life for remote workers
Digital nomads particularly value: proximity to the sea and nature, a safe and peaceful environment, a relaxed social life, and the ease of establishing a daily routine without major crowds.
Montenegro allows working in the morning and spending afternoons at the beach or in nature — without compromising between work and life.
FAQ about life in Montenegro
Is life expensive in Montenegro?
No. The cost of living in Montenegro is lower than in most Western European countries. Food, utilities, and services are affordable, especially outside the tourist season.
What are the monthly living costs in Montenegro?
The average monthly costs for one person range between 700 i 1.200 €, depending on location and lifestyle. Families usually spend more.
Is Montenegro a good country for foreigners and expatriates?
Yes. Montenegro is safe, welcoming, and easy to adapt to. Foreigners can legally buy property and arrange residency.
How does the healthcare system work in Montenegro?
There is a public and a private healthcare system. Many residents use private clinics for faster service, often with supplementary health insurance.
Is public transportation good in Montenegro?
Public transportation is affordable but limited in smaller towns. Most residents use a car, especially outside major cities.
Which city is the best to live in Montenegro?
It depends on your lifestyle:
Podgorica is especially suitable for business and family life.
Tivat and Kotor are excellent if you enjoy a peaceful life by the coast.
Budva seems like the perfect destination for those who want an active lifestyle with plenty of events, especially during the season.
Is Montenegro a good destination for digital nomads?
Yes. Montenegro offers stable internet, affordable living costs, safety, and a high quality of daily life, making it an attractive destination for remote work.
How much does it cost for a digital nomad to live in Montenegro?
Digital nomads typically spend between 900 i 1.500 € per month, depending on the city, season, and lifestyle.
Is the internet fast enough for remote work?
Yes. In major cities and along the coast, high-speed fiber-optic internet is available, suitable for video calls, online meetings, and working in cloud environments.
Where do digital nomads most often live in Montenegro?
The most popular locations for digital nomads in Montenegro are Tivat, Budva, Kotor, and Podgorica, due to good infrastructure, coworking spaces, and an international community. For example, prices in central Tivat are lower than in nearby Porto Montenegro, while you can still enjoy all the benefits of being close to this luxury marina: promenades, cafés and restaurants, art galleries, and a lively international community of active people.
Can digital nomads stay long-term in Montenegro?
Yes. After the visa-free period, it is possible to obtain temporary residency through various means, including property ownership or business activity.
Are there coworking spaces in Montenegro?
Yes. Coworking spaces exist in major cities and offer flexible packages tailored to digital nomads.
Life in Montenegro represents a balance between nature, affordable costs, and a comfortable daily life. Whether you are considering relocating, buying property, or making a long-term investment, understanding the real costs and lifestyle benefits is crucial for making the right decision.
If you are considering buying an apartment, house, or investment property, nekretnina.me allows you to browse the current listings across Montenegro — from the coast to the mountainous regions.
If you are considering living in Montenegro and want to explore the real estate offerings while finding your ideal property for rent or purchase with professional support, visit our office in Mediteranska street in Budva or contact us.
Our team will provide you with honest and professional support, offering clear advice, market insights, and a personalized selection of the best options available on the market.
