Nomad Watch

Researched Updated Oct 30, 2026 Last changed Oct 31, 2026 About guide entries

Food and Drink

Best Food Delivery App
Glovo has no Žabljak city page; the address returns not found. Order by phone. 48
Best Local Dish to Try
Podgora, on Božidara Žugića beside the bus station, lists smočani kačamak with sour milk at €6 and lamb under the sač at €14 on its group menus. 20 51 46
Vegan/Vegetarian Options
Restaurant Or'O, Njegoševa, is listed with vegetarian options. Phone +382 69 406 210, open 08:00 to 01:00. 21 33
Best Dessert Spots
Hotel Enigma’s cafe for traditional pancakes (palačinke)
Affordable Shopping Spots
Voli supermarket, mapped in Žabljak and open Mo-Sa 07:30-21:30. 31
E-commerce/Online Store
Dostava.me (limited to cities); use locally for niche items
Grocery Delivery
Glovo has no Žabljak page. The town is small enough to walk, and the Voli supermarket is mapped in town, open Mo-Sa 07:30-21:30. 48 3 31
Bar/Nightlife Area
Caffe Bar Or'O and City Bar (Central Žabljak)
Local Brewery
Nikšićko Pivo (National beer, widely available in all pubs)
Wine Bars
Vinoteka at Hotel SOA (Premium Montenegrin wines like Vranac)
Street Food Stalls
Pekara Bakery, on Njegoševa, is open 07:00-23:00, and Maja Pekara is also mapped in town. 45 44
Popular International Cuisine
Lupo d'Argento is listed as the first of six pizza restaurants in Žabljak. 21 32

Business

1-Bedroom Purchase Price (Outside City)
Approx. €1,500 per m² (e.g., 45 m² = €67,500)
Studio Purchase Price (City Center)
Approx. €2,200 per m² (e.g., 30 m² = €66,000)
Studio Purchase Price (Outside City)
Approx. €1,600 per m² (e.g., 30 m² = €48,000)
1-Bedroom Purchase Price (City Center)
Approx. €2,100 per m² (e.g., 45 m² = €94,500)
2-Bedroom Purchase Price (City Center)
Approx. €2,000 per m² (e.g., 70 m² = €140,000)
2-Bedroom Purchase Price (Outside City)
Approx. €1,400 per m² (e.g., 70 m² = €98,000)
Corporate Tax
Progressive: 9% on profit up to €100,000, then €9,000 plus 12% up to €1,500,000, then €177,000 plus 15% above that. Residents are taxed on worldwide profit. PwC reviewed 7 August 2026. 13
Dividend Withholding Tax
15% withholding on dividends paid to residents and non-residents. A tax treaty can reduce that. Payments to entities in listed tax havens are 30%. 14
Tax System
Residents are taxed on worldwide income. Residence is a domicile, a centre of personal and economic interests, or at least 183 days in the tax year. Non-residents are taxed on Montenegrin-source income. 12 16
Highest Income Tax Bracket
15% on gross salary above €1,000 a month (0% to €700, 9% from €700.01 to €1,000). Žabljak adds a 13% municipal surtax on the personal income tax assessed (15% in Podgorica and Cetinje). 12
VAT
21% standard. 15% on certain hospitality, accommodation, books and cultural or sports tickets. 7% on bread, flour, milk and dairy, medicines and public transport. PwC reviewed 7 August 2026. 7
Controlled Foreign Company (CFC) Rules
PwC, reviewed 7 August 2026, states that Montenegro has no controlled-foreign-company rules. 15
Property Tax
Annual tax of 0.25% to 1% of the market value on 1 January, paid in two instalments. The municipality sets the rate inside that band. 7
Property Transaction Tax
Progressive transfer tax: 3% up to €150,000, then €4,500 plus 5% to €500,000, then €22,000 plus 6% above that. A new building, and since 1 April 2026 building land, is outside this tax when the sale is charged VAT. 7 19
Attractive Tax System for Digital Nomads
A digital-nomad temporary stay is issued for up to two years and can be extended by up to two more, with a six-month gap before a new permit. Salary or self-employment income from an employer not registered in Montenegro is exempt from personal income tax and social contributions while that status holds. Other income stays taxable. 17 18

Essentials

City
Žabljak, in the Northern Region of Montenegro, is the seat of Žabljak Municipality in the Durmitor mountains. At about 1,456 metres it is described as the highest town in the Balkans. 2
Population
2,941 people in the municipality at the 2023 census, counted from 3 to 30 December 2023 and published by MONSTAT on 15 October 2024. The 2011 census counted 1,723 in the town and 3,569 in the municipality. 1 2
Internet Speed
Ookla Speedtest Global Index, updated September 2026, shows a Montenegro fixed-broadband median of 198.49 Mbps down and 67.34 Mbps up, and also lists 91.77 Mbps down and 21.27 Mbps up. Neither figure is for Žabljak alone. 11
Currency & Banking
Euro (EUR). Montenegro uses the euro without being in the euro area. European Central Bank reference on 19 October 2026: 1 EUR = 1.1225 USD, so 1 USD is about €0.89. CKB and Prva banka are both mapped in Žabljak. 4 6 24 25
Tap Water
Montenegrin tap water is generally drinkable, though in some small towns bottled water may be preferable, and Žabljak is a small mountain town. The older name Varezina voda referred to a strong drinkable spring beside the settlement. 4 2
Power
230 V, 50 Hz, Type C and F (Europlug and Schuko). 4
SIM Card
Crnogorski Telekom, m:tel and ONE. m:tel Turist 15 is 500 GB for 15 days and Turist 20 is 1 TB for 30 days; the on-page top-up menu prices those at €15 and €20. Super Turist is unlimited data (fair-use cap 3 TB) for 45 days. The SIM must be registered, and sellers ask for a passport or ID. 5 4
Banking for Expats
CKB and Prva banka are both mapped in Žabljak; the CKB branch is open Mo-Fr 08:00-15:00 and Sa 08:00-12:00. m:tel prepaid credit can be topped up at CKB ATMs by card, with no fee. 24 25 5
Accommodation
Hotel Polar Star, SOA and Planinka are mapped in the Žabljak area. Wikivoyage also names the hotels Žabljak and Durmitor, plus small motels and rooms. 28 27 29 3
Cashless Friendly
Restaurant Or'O on Njegoševa lists credit cards. CKB and Prva banka are both mapped in Žabljak. 21 24 25
Short Term Rentals
Airbnb, Booking.com (Average €40-€70/night for a full cabin)
Budget Accommodation
Hostel Hikers Den, Vuka Karadžića 18. 26
Best Area to Stay for Tourists
Near Black Lake (Crno jezero), the largest lake close to town. The park day ticket is €5. 3 9 40
Best Area to Stay for Digital Nomads
The centre, where the Voli supermarket is mapped (open Mo-Sa 07:30-21:30). The town is small enough to walk. 31 3

Working and Networking

Best Coworking Space
Nothing named Digital Village is mapped in Žabljak. The nearest priced coworking is NEST in Podgorica (the town is about 170 km and 2 hours 15 minutes away): Flexy day pass €12, Flexy 30 hot desk €150 a month, Cetinjski put bb. 8 3
Best Cafe for Work
Restaurant Or'O, Njegoševa, lists Wi-Fi and is open from 08:00 to 01:00. 21 33
Networking Events
Informal meetups at Hostel Hikers Den; occasional outdoor enthusiast gatherings
Social Events for Expats
Expatriates in Montenegro Facebook group; seasonal ski/hiking groups

Transportation

Best Taxi/Ride App
No apps; use local radio taxi services (Taxi Žabljak: +382 69 555 111)
Bike/Scooter Rental
Summit Travel Agency is mapped in Žabljak. Durmitor National Park rents bicycles for €8 a day or €3 an hour. The town guide also describes a one-day mountain bike at about €10 and says to check the condition. 37 9 3
Best Beach Nearby
The nearest sea is the Adriatic toward Risan, about two hours by the Risan–Žabljak road. 2
Top Regional Airline
Air Montenegro, the flag carrier, uses Podgorica Airport as its hub. Žabljak has an airfield, and the international airport is Podgorica, about 170 km and 2 hours 15 minutes away. 23 2 3
Top International Airline
Wizz Air opened a base at Podgorica Airport on 30 March 2026 with two A321neos and describes itself as the largest carrier in Montenegro. Air Montenegro codeshares with Turkish Airlines. The nearest airport is Podgorica, about 170 km and 2 hours 15 minutes away. 49 23 3
Highway Access
The main road runs from Žabljak to Mojkovac and the E65. Another goes through Šavnik to Nikšić, and Wikivoyage also lists the mountain road R16, also called P14, from Plužine. 2 3
Main Train/Transit Hub
The bus station is mapped in Žabljak; Wikivoyage places it on Vuka Karadžića and lists buses from Podgorica, Nikšić, Pljevlja, Belgrade, Novi Sad and Kotor. The nearest railway station is Mojkovac, 71 km away, and that page lists no bus onward and a taxi of €70 in a note dated 1 August 2022. 30 3
Public Transport Passes
Pay-per-ride on buses; Podgorica to Žabljak is approx. €9
Regional Travel
Daily buses to Podgorica (3 hours) and Kotor (4 hours)

Health and Wellness

Best Hospital
Zdravstvena stanica Žabljak is the clinic mapped in town; the UK facility list gives it at Zdravstvena stanica bb, phone +382 67 613 158. The nearest general hospital is Opšta bolnica Pljevlja, Lovćenskog bataljona bb, phone +382 52 300 168. 50 35 36
Yoga & Wellness Centers
Wellness Center at Hotel SOA (Sauna and massage treatments)
Gyms & Fitness Centers
Sports Center Žabljak (local gym and indoor basketball court)
Laundry Services
Self-service available at Hostel Hikers Den or via guesthouse hosts

Culture and Attractions

Must-See Landmarks
Black Lake (Crno jezero) is the closest large glacial lake, and the Tara canyon, about 20 km east, is described as Europe's deepest gorge on the Durmitor listing inscribed in 1980. A park day ticket is €5, and a boat on Black Lake is €10 an hour. 2 3 10 9 40
Museums & Art Venues
The Durmitor National Park visitor centre costs €1 on its own. The €5 day ticket includes the visitor centre and the educational paths. 9
Historical Sites
The UNESCO stećci sites in Žabljak municipality are Grčko groblje in Novakovići and Bare Žugića, both mapped as attractions. 22 42 41
Religious Sites
Church of the Holy Transfiguration (Crkva Svetog Preobraženja), built in 1862 and the building that remained after the Balkan Wars, is mapped in town. 2 34
Annual Events
Days of Mountain Flowers (July); Ski opening festivals (December)
Cultural Districts
Town center square and pedestrian zone
Theater Venues
Small cinema/theater hall in the Cultural Center (Centar za kulturu)
Local Markets
Small stalls near the entrance to Black Lake selling honey and berries
Music Scene
Live acoustic music at Restoran Oro during weekends
Street Art
Limited; mostly local murals near the school/sports center
Art Galleries
Occasional exhibitions at the Cultural Center Žabljak
Historic Buildings
Traditional katuns (shepherd huts) in the surrounding mountains
Local Heritage
Durmitor highlanders' tradition of wood carving and wool weaving

Nature and Outdoor Activities

Nearby Nature Escapes
Durmitor National Park surrounds the town. A day ticket is €5, and Black Lake is the nearest large lake. 10 9 40
National Parks Nearby
Biogradska Gora National Park (approx. 1.5 hours drive)
Cycling/Walking Paths
A walk around Black Lake and the smaller lake beside it takes about an hour and a half. The park sells a Durmitor Ring tour by van for €20 or by jeep for €30, entry included, and rents bicycles for €8 a day. 3 9
Scenic Viewpoints
Wikivoyage describes the Ćurevac peak as a panoramic viewpoint and lists €2, updated April 2023. OpenStreetMap maps that peak above Tepca and a separate viewpoint on Vidoja Žarkovića in town. 3 38 39
Birdwatching Locations
Barno Lake (shallow lake surrounded by pine forest)
Bonfire-Friendly Spots
The national park charges €5 a day for a fire in a specially arranged place, and the wood is included. The Ivan Do campsite is mapped in the hamlet of Ivan Do. 9 43

Other Services and Amenities

Parcel Delivery Service
Pošta Crne Gore (The main Post Office in town center)
Tech Repair Services
Very limited; most tech repairs require a trip to Nikšić or Podgorica
Table Tennis Spots
Sports Center Žabljak
Language Classes
Private tutors through local FB groups for Montenegrin/Serbian
Libraries & Study Spots
City Library Žabljak (small but quiet)
Community Centers
Centar za kulturu Žabljak
Gaming Lounges
Local small gaming cafe near the post office
Casino & Gaming Halls
Automati Club (Small slot machine hall in center)

About these guide entries

Method
Researched
Last updated
Oct 30, 2026
Last changed
Oct 31, 2026

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

  1. MONSTAT 2023 census, population by municipalityOfficial
  2. ŽabljakReference
  3. Wikivoyage ŽabljakSecondary
  4. Wikivoyage MontenegroSecondary
  5. m:tel tourist prepaid menuOfficial
  6. ECB euro reference rate, 19 October 2026Official
  7. PwC Montenegro VAT and property taxes, reviewed 7 August 2026Professional
  8. NEST coworking prices, PodgoricaOfficial
  9. Durmitor National Park feesOfficial
  10. UNESCO Durmitor National ParkOfficial
  11. Ookla Speedtest Global Index, Montenegro, September 2026Index
  12. PwC Montenegro personal income tax, reviewed 7 August 2026Professional
  13. PwC Montenegro corporate income tax, reviewed 7 August 2026Professional
  14. PwC Montenegro withholding tax, reviewed 7 August 2026Professional
  15. PwC Montenegro group taxation, reviewed 7 August 2026Professional
  16. PwC Montenegro tax residence, reviewed 7 August 2026Professional
  17. Digital nomad temporary stayOfficial
  18. KPMG on the December 2022 income-tax exemptionProfessional
  19. Transfer-tax brackets, Official Gazette 33/2026Secondary
  20. Restoran Podgora menusOfficial
  21. Restaurant Or'O listingSecondary
  22. Stećci, UNESCO components in ŽabljakReference
  23. Air MontenegroReference
  24. OSM CKB, Vuka KaradžićaReference
  25. OSM Prva banka, Vuka KaradžićaReference
  26. OSM Hostel Hikers DenReference
  27. OSM SOA, NjegoševaReference
  28. OSM Hotel Polar Star, BorjeReference
  29. OSM Planinka, Narodnih herojaReference
  30. OSM Žabljak bus stationReference
  31. OSM Voli, NjegoševaReference
  32. OSM Lupo d'ArgentoReference
  33. OSM Restaurant Or'OReference
  34. OSM Church of the Holy TransfigurationReference
  35. OSM health station, Jakova OstojićaReference
  36. OSM general hospital, PljevljaReference
  37. OSM Summit Travel AgencyReference
  38. OSM Ćurevac peakReference
  39. OSM Ćurevac viewpoint in townReference
  40. OSM Black LakeReference
  41. OSM Žugića Bare necropolisReference
  42. OSM Grčko groblje, NovakovićiReference
  43. OSM Ivan Do campsiteReference
  44. OSM Maja PekaraReference
  45. OSM Pekara BakeryReference
  46. OSM Restoran PodgoraReference
  47. OSM Pivska Vila, Plužine municipalityReference
  48. Glovo Žabljak city pageOfficial
  49. Wizz Air Podgorica base, 22 March 2026Official
  50. UK list of public medical facilities, updated 23 June 2025Official
  51. Restaurant Podgora listingSecondary

Change history

    • Method Generated Researched
    • Accommodation Mountain chalets, guesthouses, and small hotels like Polar Star or Hotel SOA Hotel Polar Star, SOA and Planinka are mapped in the Žabljak area. Wikivoyage also names…
    • Affordable Shopping Spots Voli Supermarket (Central Žabljak) Voli supermarket, mapped in Žabljak and open Mo-Sa 07:30-21:30.
    • Attractive Tax System for Digital Nomads Yes, Digital Nomad Visa (up to 2 years) offers income tax exemptions for foreign-earned… A digital-nomad temporary stay is issued for up to two years and can be extended by up to…
    • Banking for Expats CKB Bank (Crnogorska komercijalna banka); Revolut and Wise work for card payments CKB and Prva banka are both mapped in Žabljak; the CKB branch is open Mo-Fr 08:00-15:00…
    • Best Area to Stay for Digital Nomads Žabljak Town Center for proximity to Voli supermarket and cafes The centre, where the Voli supermarket is mapped (open Mo-Sa 07:30-21:30). The town is…
    42 more changes
    • Best Area to Stay for Tourists Near Black Lake (Crno Jezero) for nature access Near Black Lake (Crno jezero), the largest lake close to town. The park day ticket is €5.
    • Best Beach Nearby Kotor or Budva (approx. 3 hours drive south) The nearest sea is the Adriatic toward Risan, about two hours by the Risan–Žabljak road.
    • Best Cafe for Work Lupo d'Argento (reliable Wi-Fi and good coffee) Restaurant Or'O, Njegoševa, lists Wi-Fi and is open from 08:00 to 01:00.
    • Best Coworking Space Digital Village (innovative hub near the center, approx. €15/day) Nothing named Digital Village is mapped in Žabljak. The nearest priced coworking is NEST…
    • Best Food Delivery App None; most restaurants offer direct takeaway (call Restoran Oro) Glovo has no Žabljak city page; the address returns not found. Order by phone.
    • Best Hospital Health Center Žabljak (Dom Zdravlja) for basics; General Hospital Pljevlja for emergencies Zdravstvena stanica Žabljak is the clinic mapped in town; the UK facility list gives it at…
    • Best Local Dish to Try Kachamak (mashed potatoes, flour, and local cheese/kaymak) - try at Restoran Izvor Podgora, on Božidara Žugića beside the bus station, lists smočani kačamak with sour milk…
    • Bike/Scooter Rental Summit Travel Agency (E-bikes approx. €30/day) Summit Travel Agency is mapped in Žabljak. Durmitor National Park rents bicycles for €8 a…
    • Bonfire-Friendly Spots Designated campfire areas at Ivan Do Campsite The national park charges €5 a day for a fire in a specially arranged place, and the wood…
    • Budget Accommodation Hostel Hikers Den (approx. €15-€20 for a dorm bed) Hostel Hikers Den, Vuka Karadžića 18.
    • Cashless Friendly Moderate; cards accepted in supermarkets and hotels, cash preferred in small cafes Restaurant Or'O on Njegoševa lists credit cards. CKB and Prva banka are both mapped in…
    • City Žabljak, Durmitor Region, Montenegro Žabljak, in the Northern Region of Montenegro, is the seat of Žabljak Municipality in the…
    • Controlled Foreign Company (CFC) Rules No PwC, reviewed 7 August 2026, states that Montenegro has no controlled-foreign-company…
    • Cooking Classes Informal classes at local farmstays like Ethno Village Montenegro not set
    • Corporate Tax Progressive 9% to 15% Progressive: 9% on profit up to €100,000, then €9,000 plus 12% up to €1,500,000, then…
    • Currency & Banking Euro (€). 1 EUR ≈ 1.09 USD. ATMs available at CKB and Prva Banka in the center Euro (EUR). Montenegro uses the euro without being in the euro area. European Central Bank…
    • Cycling/Walking Paths The 'Ring of Durmitor' (Durmitorski prsten) scenic driving/cycling loop A walk around Black Lake and the smaller lake beside it takes about an hour and a half…
    • Dividend Withholding Tax 15% 15% withholding on dividends paid to residents and non-residents. A tax treaty can reduce…
    • Grocery Delivery Not formally available; local shops within walking distance Glovo has no Žabljak page. The town is small enough to walk, and the Voli supermarket is…
    • Highest Income Tax Bracket 15% (plus local surtax) 15% on gross salary above €1,000 a month (0% to €700, 9% from €700.01 to €1,000). Žabljak…
    • Highway Access P5 road connects to Nikšić and E80; new highway sections improving southern access The main road runs from Žabljak to Mojkovac and the E65. Another goes through Šavnik to…
    • Historical Sites Stećci Medieval Tombstones (UNESCO site nearby) The UNESCO stećci sites in Žabljak municipality are Grčko groblje in Novakovići and Bare…
    • Internet Speed 30-50 Mbps via VDSL/Fiber; 4G is reliable with Telemach or M-tel Ookla Speedtest Global Index, updated September 2026, shows a Montenegro fixed-broadband…
    • Main Train/Transit Hub Žabljak Bus Station (links to Podgorica and Nikšić) The bus station is mapped in Žabljak; Wikivoyage places it on Vuka Karadžića and lists…
    • Museums & Art Venues Durmitor National Park Visitor Center (natural history exhibits) The Durmitor National Park visitor centre costs €1 on its own. The €5 day ticket includes…
    • Must-See Landmarks Black Lake (Crno Jezero) and Tara River Canyon/Bridge Black Lake (Crno jezero) is the closest large glacial lake, and the Tara canyon, about 20…
    • Nearby Nature Escapes Durmitor National Park (stepping out of the door) Durmitor National Park surrounds the town. A day ticket is €5, and Black Lake is the…
    • Popular International Cuisine Lupo d'Argento (Italian pizzas and pastas) Lupo d'Argento is listed as the first of six pizza restaurants in Žabljak.
    • Population Approximately 3,500 2,941 people in the municipality at the 2023 census, counted from 3 to 30 December 2023…
    • Power 230V, 50Hz, 🔌 Type C/F sockets 230 V, 50 Hz, Type C and F (Europlug and Schuko).
    • Property Tax Annual tax ranging from 0.25% to 1.00% of market value Annual tax of 0.25% to 1% of the market value on 1 January, paid in two instalments. The…
    • Property Transaction Tax Progressive: 3% for value up to €100k; flat rates above Progressive transfer tax: 3% up to €150,000, then €4,500 plus 5% to €500,000, then €22,000…
    • Religious Sites Church of the Holy Transfiguration (Crkva Svetog Preobraženja) Church of the Holy Transfiguration (Crkva Svetog Preobraženja), built in 1862 and the…
    • SIM Card M-tel or T-Mobile; Tourist SIMs offer 500GB for €15-€20 for 30 days Crnogorski Telekom, m:tel and ONE. m:tel Turist 15 is 500 GB for 15 days and Turist 20 is…
    • Scenic Viewpoints Ćurevac Viewpoint (overlooking the Tara Canyon) Wikivoyage describes the Ćurevac peak as a panoramic viewpoint and lists €2, updated April…
    • Street Food Stalls Pekara Central (Bakery) for Burek (€1.50 - €2.00) Pekara Bakery, on Njegoševa, is open 07:00-23:00, and Maja Pekara is also mapped in town.
    • Tap Water Drinkable and excellent quality (mountain spring water) Montenegrin tap water is generally drinkable, though in some small towns bottled water may…
    • Tax System Residency-based; digital nomad visa offers specific exemptions Residents are taxed on worldwide income. Residence is a domicile, a centre of personal and…
    • Top International Airline Austrian Airlines, Turkish Airlines (flying into Podgorica) Wizz Air opened a base at Podgorica Airport on 30 March 2026 with two A321neos and…
    • Top Regional Airline Air Montenegro Air Montenegro, the flag carrier, uses Podgorica Airport as its hub. Žabljak has an…
    • VAT 21% standard; 7% for tourism/food services 21% standard. 15% on certain hospitality, accommodation, books and cultural or sports…
    • Vegan/Vegetarian Options Restoran Oro (Good salads and grilled vegetables) Restaurant Or'O, Njegoševa, is listed with vegetarian options. Phone +382 69 406 210, open…

    fix pass after the batch's independent check. SIM Card and Top International Airline now read like the other Montenegro sheets (the m:tel Turist tiers with Super Turist, and the Wizz Air Podgorica base opened 30 March 2026). Currency & Banking, Banking for Expats, Cashless Friendly, Accommodation, Best Cafe for Work, Bike/Scooter Rental, Main Train/Transit Hub, Best Hospital, Best Food Delivery App, Best Local Dish to Try, Affordable Shopping Spots, Grocery Delivery, Street Food Stalls, Popular International Cuisine, Historical Sites, Religious Sites, Bonfire-Friendly Spots and Best Area to Stay for Digital Nomads corrected: streets the map pages do not print were dropped, the clinic and hospital addresses now come from the UK facility list, and the restaurant street is kept through its listing (montenegroairports.com, gov.uk, restaurantguru.com).

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