What are the pros of living in Montenegro and whether you should buy property there

Montenegro is a small but diverse country where Mediterranean tranquility coexists with business opportunities, comfort, and harmonious living. That’s why immigration has become popular among those seeking a warm climate, affordable real estate, and quality infrastructure. However, before moving to Montenegro for permanent residence, it is important to study the specifics of each region, as the terrain in Budva and Herceg Novi offers two completely different scenarios.

Let’s explore the best cities in Montenegro for living, evaluating their convenience for children, retirees, entrepreneurs, and those who simply want to change the pace of their daily lives.

Podgorica — the capital and business center

The metropolis is ideal for those who want to live in the heart of the country and appreciate good transportation accessibility. Here you can find an international airport, universities, shopping centers, and a large number of job opportunities.

Podgorica is not a resort, so there is no tourist hustle and bustle here, and real estate is cheaper than in coastal cities. However, it can get hot here in the summer, and the lack of nearby sea may be a downside for beach lovers.

Budva — for the active and ambitious

The resort is the epicenter of Montenegro’s tourist freedom. If you value entertainment, dynamics, cafes, restaurants, and beautiful beaches, Budva is the perfect place to live. However, it’s worth noting that it gets overcrowded with tourists in the season, and in winter, the area noticeably quiets down.

Bar — convenience and accessibility

Bar is considered one of the most convenient cities for permanent residence. It combines infrastructure accessibility and the sea with a measured way of living. There are many schools, good shops, medical facilities, and no excessive hustle and bustle. The region is perfect for living with children.

Tivat — elite comfort

The region is suitable for those seeking a high level of comfort and are willing to invest in Montenegro’s real estate. It is home to the elite area of Porto Montenegro, popular among yachtsmen and businessmen.

Tivat has an airport, making it convenient for frequent trips. However, property prices here are higher than in most other settlements in the country.

Kotor — an ancient region with a special atmosphere

If you dream of living in a medieval center surrounded by mountains, Kotor is an excellent choice. The city is listed as a UNESCO World Heritage Site and attracts those who appreciate architecture, history, and secluded areas.

However, Kotor can be expensive for purchasing property, and its narrow streets and high humidity may not suit everyone.

Herceg Novi — tranquility and nature

The town is famous for its microclimate, considered beneficial for health. There are fewer tourists here than in Budva, and property prices are moderate.

For retirees, the region is ideal — the measured pace of the streets, developed healthcare, and beautiful landscapes create comfortable living conditions.

Cetinje — cultural center

The city is considered one of the best for a peaceful life and is suitable for those who love art and history. It was the capital of Montenegro and still retains its status as a cultural center. Here you can find museums, theaters, and historical landmarks.

However, it’s worth noting that it can be cooler in Cetinje in winter than in coastal cities, and the level of tourist activity is lower.

Ulcinj — for those seeking peace and space

The region is one of the most unique. Influenced by Albanian culture, Ulcinj offers long sandy beaches and a special atmosphere.

Property prices in Ulcinj are lower than in Budva or Kotor, but it’s important to consider that there is less Russian-speaking population here, and the infrastructure is not as developed as in larger centers.

Factors to consider when choosing the best city in Montenegro for living

Relocating is a serious decision that requires careful analysis. The key is to determine the criteria that will help you understand which cities in Montenegro are suitable for your relocation:

• climate — the coast (Budva, Bar, Kotor, Tivat) offers mild winters and warm summers, but with high humidity. In mountainous areas like Cetinje, it can be quite cold in winter;
• residence permit application — for long-term residence in the country, a residence permit is required. The most popular way to obtain a residence permit is by opening a company or purchasing property;
• real estate in Montenegro — property is cheaper than in most European countries, but prices vary significantly. If your budget is limited, consider Bar or Ulcinj — here you can find housing at reasonable prices. In Tivat and Budva, property is more expensive, especially in elite areas like Porto Montenegro;
• medical insurance — state healthcare in Montenegro leaves much to be desired, so many expats use private clinics. If you have chronic conditions, check in advance which medications are available in local pharmacies and whether they can be purchased without a prescription;
• Russian-speaking community — in major centers like Budva, Tivat, Bar, and Podgorica, there are many Russian-speaking immigrants. They create communities on social networks where you can find useful advice, contacts for lawyers, real estate agents, and like-minded individuals.

Relocating to Montenegro is an opportunity to live in a country with stunning nature, a mild climate, and low expenses. However, it is important to carefully plan all the details in advance: choose a suitable region, arrange documents, understand healthcare and housing.

If you prepare thoroughly for the move, adaptation will be easy, and you will be able to enjoy living by the sea without worrying about everyday difficulties.

Conclusion

The choice of location depends on your priorities. If you are looking for developed infrastructure and job opportunities, Podgorica is suitable. Love the sea and entertainment? Consider Budva or Tivat. If comfort and tranquility are important, good options are Bar, Herceg Novi, and Ulcinj.

The best cities in Montenegro for living are those that meet your needs. The country offers a comfortable climate, affordable real estate, and a high level of safety. Relocating can be a great solution for those dreaming of a house by the sea with European comfort.

Mediterranean climate, mountain landscapes, developed infrastructure, and direct access to the sea — all make the Adriatic state attractive for those considering buying real estate in Europe. But is it worth buying property in Montenegro from the perspective of investment, relocation, or renting out? The answer depends on goals, budget, risk approach, and understanding of the local market. Below is a detailed overview of the advantages and limitations for those considering the Balkan country as a base or investment direction.

Balkan Tourist Center: Tranquility, Openness, and Tourist Growth

Over the past decade, the country has consistently been among the most visited destinations in the Balkans. Resorts like Budva, Bar, Kotor, Tivat, Herceg Novi, and Ulcinj attract hundreds of thousands of tourists annually. The Balkan country remains an independent state with its own currency (Euro), active support for foreign investors, and orientation towards European standards.

The growing tourism industry creates a stable demand for short-term and long-term rentals. This is why investing in Montenegro real estate seems like a logical step for those looking to generate income or securely place capital.

Property Prices in Montenegro: Affordable with Potential

Is it worth buying property in Montenegro? Compared to Croatia, Italy, and Greece, property prices in the Montenegrin state remain at a moderate level. In coastal areas, the price per square meter ranges from 1800 to 3500 Euros, while in the mountains it ranges from 800 to 1500. It is important to understand that the price depends on the distance from the sea, infrastructure availability, and year of construction.

Affordable prices allow entry into the market even with a limited budget. Property in Montenegro can be purchased for vacation purposes or with a view to long-term rental. There has been no overvaluation yet, and the market remains growing.

Advantages of Buying Property on the Coast

One common question is whether it’s worth buying property in Montenegro by the sea. The Adriatic coast is a key region of the country where the best projects are concentrated. Proximity to beaches, restaurants, marinas, and tourist routes makes such properties particularly attractive from an investment perspective.

Many expats and travelers consider the Budva Riviera and the Bay of Kotor as ideal places for living and leisure. The presence of direct flights is a plus: the airports of Tivat and Podgorica receive flights from most European countries, including Russia and the CIS.

Property in the Mountains: Seclusion and Tranquility

For those who value privacy, nature, and tranquility, real estate in the mountainous regions of the country is suitable. Such homes are ideal for winter vacations, remote work, or living away from tourist hustle and bustle.

Local villages in the areas of Zabljak, Pluzine, or Kolasin combine an alpine climate, panoramic views, and access to ski resorts.

Benefits of Foreigners Buying Property

Foreigners have full rights to own property in the country. Restrictions only apply to agricultural land. The property can be registered to a physical or legal entity. The purchase procedure is transparent, all documents are processed by a notary, and transactions are registered in the state registry.

The question of “whether to buy property in Montenegro” is closely related to the possibility of comfortable living. Owning an apartment or house entitles one to obtain an annual visa and open a personal bank account. Some investors use real estate as an argument for obtaining a residence permit.

Is it Worth Buying Property in Montenegro: Advantages of Purchase

Below are the key arguments in favor of acquiring property in the Balkan country:

• stable currency — Euro;
• low property ownership taxes (0.1%–0.5% of the value per year);
• openness to foreign investors;
• direct property ownership without restrictions;
• rich cultural heritage and safe environment;
• quality projects in new residential complexes;
• access to nature: sea, mountains, lakes, forests;
• simple transaction language and short registration process.

The advantages are listed from both an investment perspective and for personal comfort: living, leisure, relocation, renting out.

Drawbacks and Limitations to Be Aware Of

Before making a purchase, it is important to consider potential challenges. Below is a list of points requiring attention:

• bureaucracy in certain municipalities;
• high costs for repairing old properties;
• not always transparent rental schemes with management companies;
• possible interruptions in utility services in remote areas;
• unfamiliar market and local registration specifics;
• weak protection of tenants’ and investors’ interests in case of disputes.

Despite the openness, investing in Montenegro apartments is advisable only with consultation from a lawyer and choosing a reliable agency.

Is Buying Property for Income Worth It?

The profitability of renting out depends on location, season, and property condition. In coastal areas, short-term rentals can yield 6–8% annually, higher with proper management. In the mountains and inland areas, the profitability is lower, but capital growth is possible due to increased tourist interest.

If the goal is to combine leisure and profit, it is optimal to buy property in Montenegro by the sea but use a property management company. This will relieve the owner of the burden and ensure income stability. Passive investment is possible with proper legal documentation.

Growth Potential and Future Prospects

Montenegro’s jurisdiction is actively moving towards joining the European Union. This factor increases investment attractiveness. Infrastructure is improving, roads are being repaired, and new residential projects are growing along the coastline.

The question of “whether to buy property in Montenegro” is gaining strategic importance. Real estate investments can not only generate income but also serve as a channel for capital legalization and in the future — a platform for expanding residency rights.

Is It Worth Buying Property in Montenegro in 2025?

Stable political situation, tourism growth, moderate prices, and the country’s European orientation create a positive investment climate. Owning a house or apartment in the Balkans is not only a way to preserve funds but also an opportunity to build an alternative lifestyle.

For those seeking a balance between risks and benefits, a reasonable entry point, and consistent demand, the answer to whether it’s worth buying property in Montenegro is affirmative. It is important to approach the purchase consciously, verifying documents, choosing a reliable developer, and focusing on long-term results.