Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,237 a month against $2,704 in Austin, TX, rent and utilities included – about $17,600 less a year. Rent and utilities account for most of the difference.

129

Cost of Living Index in Austin, TX
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Austin, TX Living Index
61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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Austin, TX

🇺🇸 United States

$2,704

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,237

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX and in Herceg Novi

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

Monthly costs for one person with rent: $2,704 in Austin, TX versus $1,237 in Herceg Novi.

Austin, TX $2,704
Herceg Novi $1,237

Estimated couple costs with rent: $4,133 in Austin, TX versus $1,973 in Herceg Novi.

Austin, TX $4,133
Herceg Novi $1,973

Monthly costs for a family of three with rent: $5,562 in Austin, TX versus $2,710 in Herceg Novi.

Austin, TX $5,562
Herceg Novi $2,710

Living in Austin, TX is roughly 119% more expensive than in Herceg Novi, and outside of rent the biggest gap is in groceries.

The two cities straddle the global median: Austin, TX is 102% above, Herceg Novi is 8% below.

Meal at Budget Restaurant

$20.22 $20.22

$11.23 €10.02

80.05%

Three-Course Dinner for Two, Mid-Range

$85.0 $85.0

$36.34 €32.43

133.98%

Fast Food Meal (McDonalds, etc)

$12.35 $12.35

$9.19 €8.20

34.39%

Cappuccino

$5.47 $5.47

$2.59 €2.31

111.20%

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

$3.82 $3.82

$2.47 €2.20

54.66%

Water (0.33 liter bottle)

$2.50 $2.50

$1.64 €1.46

52.44%

Local Beer (0.5 liter draught)

$8.06 $8.06

$2.82 €2.52

185.82%

Imported Beer (0.33 liter bottle)

$8.99 $8.99

$3.39 €3.02

165.19%

Milk (1 liter)

$1.13 $1.13

$1.16 €1.04

-2.59%

White Bread (500g)

$3.78 $3.78

$1.02 €0.91

270.59%

Rice (white) (1kg)

$3.25 $3.25

$2.82 €2.52

15.25%

Eggs

$4.14 $4.14

$3.03 €2.70

36.63%

Local Cheese (1kg)

$13.08 $13.08

$8.94 €7.98

46.31%

Chicken Fillets (1kg)

$14.31 $14.31

$7.27 €6.48

96.84%

Beef Round Steak (1kg)

$15.96 $15.96

$12.81 €11.43

24.59%

Apples (1kg)

$4.38 $4.38

$1.34 €1.20

226.87%

Banana (1kg)

$1.45 $1.45

$1.55 €1.38

-6.45%

Oranges (1kg)

$4.54 $4.54

$1.58 €1.41

187.34%

Tomato (1kg)

$4.19 $4.19

$3.02 €2.70

38.74%

Potato (1kg)

$2.63 $2.63

$0.89 €0.80

195.51%

Onion (1kg)

$2.36 $2.36

$1.30 €1.16

81.54%

Lettuce (1 head)

$1.76 $1.76

$1.52 €1.36

15.79%

Water (1.5 liter bottle)

$2.16 $2.16

$0.93 €0.83

132.26%

Cigarettes 20 Pack (Marlboro, Camel)

$9.81 $9.81

$3.98 €3.55

146.48%

Wine (Bottle)

$14.72 $14.72

$4.43 €3.96

232.28%

Local Beer (0.5 liter bottle)

$2.78 $2.78

$1.24 €1.11

124.19%

Imported Beer (0.33 liter bottle)

$3.48 $3.48

$1.72 €1.54

102.33%

One-way Ticket (Public Transport)

$1.49 $1.49

$1.69 €1.51

-11.83%

Public Transport Monthly Pass (Regular Price)

$40.51 $40.51

$45.08 €40.23

-10.14%

Taxi Start (Normal Tariff)

$2.67 $2.67

$2.91 €2.60

-8.25%

Taxi (Normal Tariff) (1km)

$1.58 $1.58

$1.09 €0.97

44.95%

Taxi 1hour Waiting (Normal Tariff)

$35.29 $35.29

$16.59 €14.81

112.72%

Gasoline (1 liter)

$0.99 $0.99

$1.72 €1.53

-42.44%

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

$35.8K $35.8K

$33.0K €29.5K

8.35%

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

$27.2K $27.2K

$20.9K €18.7K

29.84%

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

$219 $219

$131 €117

66.76%

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

$58.0 $58.0

$12.86 €11.48

350.93%

Internet (50+ Mbps, Unlimited Data)

$68.4 $68.4

$33.38 €29.79

104.79%

Gym Membership (Monthly)

$57.9 $57.9

$55.7 €49.71

3.93%

Tennis Court (1 Hour on Weekend)

$14.82 $14.82

$11.00 €9.81

34.73%

Cinema Ticket

$14.13 $14.13

$8.00 €7.14

76.63%

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

$1,509 $1,509

$443 €395

240.59%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$7,028 €6,272

205.30%

Jeans (Levis 501 Or Similar)

$51.7 $51.7

$82.5 €73.7

-37.41%

Summer Dress (H&M, Zara, etc)

$44.05 $44.05

$33.95 €30.30

29.75%

Sport Shoes (Adidas, Nike)

$85.1 $85.1

$73.9 €65.9

15.16%

Men's Leather Business Shoes

$105 $105

$94.6 €84.4

11.38%

1-bedroom Apartment, City Center (Monthly)

$1,932 $1,932

$657 €587

193.95%

1-bedroom Apartment, Outside City Center (Monthly)

$1,272 $1,272

$395 €353

222.08%

3-bedroom Apartment, City Center (Monthly)

$3,670 $3,670

$1,232 €1,100

197.86%

3-bedroom Apartment, Outside City Center (Monthly)

$2,525 $2,525

$886 €791

184.94%

Buy Apartment in City Center (m2)

$7,617 $7,617

$3,642 €3,250

109.17%

Buy Apartment Outside City Center (m2)

$3,199 $3,199

$2,415 €2,155

32.46%

Average Monthly Net Salary (After Tax)

$5,105 $5,105

$1,037 €926

392.06%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

35.80%

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

Last update for Austin, TX: October 5, 2026

Last update for Herceg Novi: October 6, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 48.2%

Herceg Novi

$395 31.8% 69% $877

Groceries & Markets

Austin, TX

$403 15.3%

Herceg Novi

$225 18.1% 44.1% $178

Eating Out

Austin, TX

$348 13.2%

Herceg Novi

$186 14.9% 46.6% $162

Monthly Utilities & Internet

Austin, TX

$346 13.1%

Herceg Novi

$178 14.3% 48.6% $168

Clothing & Footwear

Austin, TX

$129 4.9%

Herceg Novi

$128 10.3% 0.4% $0.5

Sport & Entertainment

Austin, TX

$86 3.3%

Herceg Novi

$72 5.8% 16.8% $14

Getting Around

Austin, TX

$57 2.2%

Herceg Novi

$60 4.8% 5.6% $3.2

Cost Breakdown

A one-bedroom apartment in the center runs $1,932 in Austin, TX and $657 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 392% 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: $85.0 in Austin, TX vs $36.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $403 vs $225 per month, with Herceg Novi cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇲🇪 Herceg Novi

🕒 Local time

04:43 4:43 AM

11:43 11:43 AM

7 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

11,059

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.892 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Austin, TX Herceg Novi 9,640 km ≈ 13 h nonstop flight

From you

Austin, TX
Herceg Novi

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

Austin, TX vs Herceg Novi: Cost of Living - Frequently Asked Questions

Herceg Novi wins on cost – living expenses run 119% lower than in Austin, TX. Housing and daily spending are where you'll feel the difference most, making Herceg Novi the obvious pick if budget is a priority.

Average pay runs 392% higher in Austin, TX, 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: $1,932 in Austin, TX versus $657 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,704 per month in Austin, TX versus $1,237 in Herceg Novi – a 119% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Herceg Novi runs roughly 11% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,237 in Herceg Novi versus $2,704 in Austin, TX, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Austin, TX. The gap between the two cities makes Herceg Novi the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Austin, TX and Herceg Novi 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 Herceg Novi gentler on the wallet – expenses run 119% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.