Last update: Oct 2026

Cost of Living Comparison Between Athens and Tivat

For one person, living is cheaper in Tivat: $1,644 a month against $1,775 in Athens, rent and utilities included – about $1,600 less a year. The total is higher in Athens despite lower rent and utilities.

86

Cost of Living Index in Athens
Learn more

Athens Living Index
80

Cost of Living Index in Tivat
Learn more

Tivat Living Index

Jump to prices

Athens

🇬🇷 Greece

$1,775

/mo nomad

Tivat

🇲🇪 Montenegro

$1,644

/mo nomad

Monthly Cost of Living

How much you'll spend in Athens and in Tivat

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Athens and in Tivat actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,775 in Athens versus $1,644 in Tivat.

Athens $1,775
Tivat $1,644

Estimated couple costs with rent: $2,721 in Athens versus $2,486 in Tivat.

Athens $2,721
Tivat $2,486

Monthly costs for a family of three with rent: $3,666 in Athens versus $3,327 in Tivat.

Athens $3,666
Tivat $3,327

Living in Athens is roughly 8% more expensive than in Tivat, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Athens 31% above, Tivat 22% above.

Meal at Budget Restaurant

$16.69 €14.84

$11.15 €9.91

49.69%

Three-Course Dinner for Two, Mid-Range

$67.8 €60.3

$44.89 €39.93

51.01%

Fast Food Meal (McDonalds, etc)

$11.14 €9.91

$10.51 €9.35

5.99%

Cappuccino

$4.03 €3.58

$2.23 €1.98

80.72%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$2.77 €2.46

$2.57 €2.28

7.78%

Water (0.33 liter bottle)

$0.55 €0.49

$1.45 €1.29

-62.07%

Local Beer (0.5 liter draught)

$5.74 €5.10

$3.11 €2.77

84.57%

Imported Beer (0.33 liter bottle)

$5.45 €4.85

$3.43 €3.05

58.89%

Milk (1 liter)

$1.82 €1.62

$1.27 €1.13

43.31%

White Bread (500g)

$1.38 €1.23

$1.05 €0.93

31.43%

Rice (white) (1kg)

$2.80 €2.49

$1.98 €1.76

41.41%

Eggs

$4.83 €4.30

$3.31 €2.94

45.92%

Local Cheese (1kg)

$15.05 €13.39

$8.45 €7.52

78.11%

Chicken Fillets (1kg)

$10.63 €9.45

$8.42 €7.49

26.25%

Beef Round Steak (1kg)

$18.43 €16.39

$12.33 €10.97

49.47%

Apples (1kg)

$2.20 €1.96

$1.61 €1.43

36.65%

Banana (1kg)

$1.90 €1.69

$1.66 €1.48

14.46%

Oranges (1kg)

$1.37 €1.22

$1.74 €1.55

-21.26%

Tomato (1kg)

$2.10 €1.87

$2.92 €2.60

-28.08%

Potato (1kg)

$1.08 €0.96

$0.94 €0.84

14.89%

Onion (1kg)

$1.12 €1.00

$1.10 €0.98

1.82%

Lettuce (1 head)

$1.12 €1.00

$1.72 €1.53

-34.88%

Water (1.5 liter bottle)

$0.88 €0.79

$0.94 €0.83

-6.38%

Cigarettes 20 Pack (Marlboro, Camel)

$5.48 €4.88

$4.25 €3.78

28.94%

Wine (Bottle)

$10.13 €9.01

$5.56 €4.94

82.19%

Local Beer (0.5 liter bottle)

$2.13 €1.89

$1.12 €1.00

90.18%

Imported Beer (0.33 liter bottle)

$2.25 €2.00

$1.66 €1.48

35.54%

One-way Ticket (Public Transport)

$1.36 €1.21

$1.69 €1.51

-19.53%

Public Transport Monthly Pass (Regular Price)

$29.89 €26.59

$39.69 €35.31

-24.69%

Taxi Start (Normal Tariff)

$4.45 €3.96

$1.13 €1.01

293.81%

Taxi (Normal Tariff) (1km)

$1.02 €0.90

$1.14 €1.01

-10.53%

Taxi 1hour Waiting (Normal Tariff)

$16.92 €15.05

$11.22 €9.98

50.80%

Gasoline (1 liter)

$2.25 €2.00

$1.75 €1.56

28.57%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$28.0K €24.9K

$29.6K €26.3K

-5.20%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$28.2K €25.1K

$26.2K €23.3K

7.76%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$205 €182

$128 €114

59.94%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$26.65 €23.71

$14.97 €13.31

78.02%

Internet (50+ Mbps, Unlimited Data)

$30.38 €27.02

$33.55 €29.84

-9.45%

Gym Membership (Monthly)

$54.5 €48.47

$46.68 €41.53

16.73%

Tennis Court (1 Hour on Weekend)

$25.88 €23.02

$15.45 €13.74

67.51%

Cinema Ticket

$10.42 €9.27

$6.20 €5.51

68.06%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$569 €506

$405 €360

40.69%

International Primary School, 1 Child (Yearly)

$12.6K €11.2K

$7,300 €6,494

72.39%

Jeans (Levis 501 Or Similar)

$88.7 €78.9

$86.3 €76.8

2.69%

Summer Dress (H&M, Zara, etc)

$40.46 €35.99

$39.25 €34.91

3.08%

Sport Shoes (Adidas, Nike)

$105 €93.3

$97.4 €86.6

7.71%

Men's Leather Business Shoes

$121 €108

$104 €92.4

16.84%

1-bedroom Apartment, City Center (Monthly)

$741 €659

$882 €784

-15.99%

1-bedroom Apartment, Outside City Center (Monthly)

$655 €582

$791 €704

-17.26%

3-bedroom Apartment, City Center (Monthly)

$1,300 €1,156

$1,973 €1,755

-34.12%

3-bedroom Apartment, Outside City Center (Monthly)

$1,148 €1,021

$1,428 €1,270

-19.60%

Buy Apartment in City Center (m2)

$4,014 €3,570

$5,914 €5,260

-32.13%

Buy Apartment Outside City Center (m2)

$3,460 €3,078

$2,633 €2,342

31.41%

Average Monthly Net Salary (After Tax)

$1,242 €1,105

$1,198 €1,066

3.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.48

5.38

-16.73%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Athens: October 10, 2026

Last update for Tivat: October 11, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Athens

$655 36.9%

Tivat

$791 48.1% 20.9% $137

Groceries & Markets

Athens

$310 17.5%

Tivat

$232 14.1% 25.4% $79

Eating Out

Athens

$268 15.1%

Tivat

$186 11.3% 30.7% $82

Monthly Utilities & Internet

Athens

$262 14.7%

Tivat

$176 10.7% 32.6% $85

Clothing & Footwear

Athens

$160 9%

Tivat

$147 8.9% 8% $13

Sport & Entertainment

Athens

$75 4.2%

Tivat

$59 3.6% 21.6% $16

Getting Around

Athens

$45 2.5%

Tivat

$53 3.2% 18.7% $8.4

Cost Breakdown

A one-bedroom apartment in the center runs $741 in Athens and $882 in Tivat. Housing cost is often the main lever when comparing two cities.

Athens pays 4% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $68.0 in Athens vs $45.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $310 vs $232 per month, with Tivat cheaper across the board.

Good to know

🇬🇷 Athens

🇲🇪 Tivat

🕒 Local time

10:24 10:24 AM

09:24 9:24 AM

1 h behind Athens

🌤 Weather

👥 Population

3,090,508 Capital

9,500

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Athens Tivat 650 km ≈ 1 h 15 min nonstop flight

From you

Athens
Tivat

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Athens vs Tivat: Cost of Living - Frequently Asked Questions

Tivat wins on cost – living expenses run 8% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Tivat the obvious pick if budget is a priority.

Average pay runs 4% higher in Athens, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $741 in Athens versus $882 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tivat – a meal for two runs $45.00 versus $68.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,775 per month in Athens versus $1,644 in Tivat – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,644 in Tivat versus $1,775 in Athens, a $2,000 budget is realistic in Tivat but tight or insufficient in Athens. The gap between the two cities makes Tivat the clear choice for anyone on this budget.

Both work as nomad bases, but Tivat delivers better value – similar infrastructure at $1,644 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tivat hard to pass up.

Safety-wise, Athens and Tivat are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Tivat gentler on the wallet – expenses run 8% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.