Cost of Living in Tivat, 🇲🇪 Montenegro - For Locals, Nomads, and Tourists

Researched Updated Oct 30, 2026 Last changed Oct 31, 2026 About costs

Cost breakdown

Digital nomad: short-term stay (1-3 months). Furnished Airbnb or coliving near center, coworking, eating out ~3x/day, travel health insurance.

Expat: long-term resident (1+ years). Renting apartment in center, mix of cooking and dining out, local health insurance, settled lifestyle.

Family: middle-class 4-person family. 2-3 bedroom in suburbs, groceries for 4, international school, car/transport, family health plan.

Local: budget-conscious local resident. Renting outside center, cooking at home, public transport, local phone plan.

Tourist: short-stay visitor (1-14 days). Hotel/Airbnb nightly, all meals at restaurants, taxis, sightseeing.

CategoryCost

Housing 1 2 $1,236 $954 $1,628 $651 $651

Utilities 24 25 — $146 $191 $129 —

Internet & Mobile 8 9 $22 $52 $74 $52 $5

Groceries 11 12 13 14 15 16 17 $92 $309 $617 $281 $5

Transportation 4 5 10 $101 $79 $202 $79 $20

Dining Out 3 $633 $158 $264 $58 $32

Leisure Activities 7 19 21 26 29 $196 $115 $4,551 $102 $20

Health Insurance 20 $67 $67 $134 — $2

Visa & Legal Fees 22 6 — $4 $15 — —

Total $2,347 $1,884 $7,676 $1,352 $735

Itemized prices

Local prices converted to the selected currency.

Housing

Apartment (1 bedroom) 1 2 $897.97 $730 – $1,571 per month

Coworking Space 6 $140.31 per month

Airbnb (1 month) 1 2 $1,122.46 $898 – $1,459 per month

Coliving Space 1 $729.60 per month

Healthcare

Pharmacy (basic meds) 28 $9.36 per purchase

Doctor Visit (GP) 18 $56.12 per visit

Food & Dining

Coffee 29 $3.37 per cup

Beer 29 28 $3.72 per pint

Meal (Inexpensive) 3 $10.55 per meal

Fast Food Combo 28 3 $12.00 per meal

Apples 14 $1.11 per kg

Bread 11 $1.01 per loaf

Milk 12 $1.22 per liter

Rice 13 $3.80 per kg

Chicken Fillets 15 $10.76 per kg

Beef 16 $12.90 per kg

Wine (Mid-range) 28 $7.27 per bottle

Meal (Mid-range, 2 people) 30 $60.05 per meal

Water (1.5L bottle) 17 $0.66 per bottle

Transportation

Taxi Start 5 $1.12 per trip

Taxi per km 5 $1.40 per km

Monthly Transport Pass 4 $56.12 per month

Gasoline 10 $2.05 per liter

Ride-hailing (5km) 5 $8.98 per trip

Scooter Rental 27 $201.48 per month

Services

Mobile Plan 8 $22.44 per month

Internet (60 Mbps+) 9 $29.06 per month

Gym Membership 7 $67.35 per month

Tennis Court (Weekend) 26 $8.98 per hour

SIM Card (Tourist, prepaid) 8 $16.84 one-time

Entertainment

Cinema Ticket 19 $7.63 per ticket

Clothing

Jeans 28 $94.70 per pair

Summer Dress $44.90 per dress

Running Shoes 28 $97.80 per pair

Personal Care

Haircut 28 $11.20 per visit

Laundry 23 $0.75 per kg

About these costs

Method: Researched
Last updated: Oct 30, 2026
Last changed: Oct 31, 2026
Exchange rate: 1 USD = 0.8909 EUR on Oct 19, 2026

Checked against the sources below and compared with similar cities. Numbers in the list point to these sources.

Compared with Kotor, Budva, Podgorica, Hanoi

Change history

Oct 31, 2026
- Method Generated Researched
- Airbnb (1 month) 1272.14 1122.46
- Apartment (1 bedroom) 555.12 897.97
- Apples 2.08 1.11
- Beef 13.88 12.9
- Beer 2.89 3.72
40 more changes
- Bread 1.39 1.01
- Chicken Fillets 8.67 10.76
- Cinema Ticket 8.1 7.63
- Coffee 2.08 3.37
- Coliving Space 636.07 729.6
- Coworking Space 138.78 140.31
- Dining Out local 69.39, nomad 520.42, expat 231.3, family 173.47 local 58.03, nomad 633.19, expat 158.27, family 263.83, tourist 31.65
- Doctor Visit (GP) 46.26 56.12
- Fast Food Combo 7.52 12
- Gasoline 1.79 2.05
- Groceries local 289.12, nomad 69.39, expat 404.77, family 809.55, tourist 0 local 280.62, nomad 91.52, expat 308.68, family 617.36, tourist 5.25
- Gym Membership 46.26 67.35
- Haircut 13.88 11.2
- Health Insurance local 34.69, nomad 80.95, expat 69.39, family 208.17, tourist 11.56 local 0, nomad 67.2, expat 67.35, family 134.4, tourist 2.24
- Housing local 462.6, nomad 1387.79, expat 1040.84, family 1503.44, tourist 109.87 local 651.03, nomad 1235.83, expat 954.09, family 1627.57
- Internet & Mobile local 40.48, nomad 57.82, expat 46.26, family 63.61, tourist 5.78 local 51.5, nomad 22.44, family 73.94, tourist 5.24
- Internet (60 Mbps+) 40.48 29.06
- Jeans 63.61 94.7
- Laundry 9.25 0.75
- Leisure Activities local 23.13, nomad 173.47, expat 92.52, family 115.65, tourist 28.91 local 101.94, nomad 195.75, expat 115.42, family 4550.68, tourist 19.98
- Meal (Inexpensive) 11.56 10.55
- Meal (Mid-range, 2 people) 52.04 60.05
- Milk 1.5 1.22
- Mobile Plan 23.13 22.44
- Monthly Transport Pass 40.48 56.12
- Pharmacy (basic meds) 9.25 9.36
- Rice 2.54 3.8
- Ride-hailing (5km) 6.94 8.98
- Running Shoes 92.52 97.8
- SIM Card (Tourist, prepaid) 17.35 16.84
- Scooter Rental 28.91 201.48
- Summer Dress 40.48 44.9
- Taxi Start 2.89 1.12
- Taxi per km 1.39 1.4
- Tennis Court (Weekend) 17.35 8.98
- Transportation local 34.69, nomad 92.52, expat 57.82, family 231.3, tourist 17.35 local 78.57, nomad 101.02, family 202.04, tourist 20.2
- Utilities local 127.21, nomad 0, expat 138.78, family 208.17, tourist 0 local 129.08, nomad 0, expat 145.92, family 190.71, tourist 0
- Visa & Legal Fees local 11.56, nomad 46.26, expat 40.48, family 57.82, tourist 5.78 local 0, expat 3.74, family 14.97
- Water (1.5L bottle) 1.04 0.66
- Wine (Mid-range) 13.88 7.27
fix pass — category totals recomputed so each value matches its formula exactly: Utilities local, Groceries nomad, Groceries family, Groceries tourist, Transportation nomad, Transportation family, Dining Out expat, Dining Out tourist, Leisure Activities local, Leisure Activities nomad, Leisure Activities expat, Leisure Activities family, Leisure Activities tourist, Internet & Mobile tourist (now a weekly figure) and the tourist daily housing amount left out as unverified (sources in the Findings totals table).

Tivat cost of living