Last update: Oct 2026

Cost of Living Comparison Between Austin, TX and Tivat

For one person, living is cheaper in Tivat: $1,644 a month against $2,663 in Austin, TX, rent and utilities included – about $12,200 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Austin, TX
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Austin, TX Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Tivat

🇲🇪 Montenegro

$1,644

/mo nomad

Monthly Cost of Living

How much you'll spend in Austin, TX 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 Austin, TX and in Tivat actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,663 in Austin, TX versus $1,644 in Tivat.

Austin, TX $2,663
Tivat $1,644

Estimated couple costs with rent: $4,133 in Austin, TX versus $2,486 in Tivat.

Austin, TX $4,133
Tivat $2,486

Monthly costs for a family of three with rent: $5,603 in Austin, TX versus $3,327 in Tivat.

Austin, TX $5,603
Tivat $3,327

Living in Austin, TX is roughly 62% more expensive than in Tivat, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Austin, TX 97% above, Tivat 22% above.

Meal at Budget Restaurant

$20.77 $20.77

$11.15 €9.91

86.28%

Three-Course Dinner for Two, Mid-Range

$84.6 $84.6

$44.89 €39.93

88.44%

Fast Food Meal (McDonalds, etc)

$12.32 $12.32

$10.51 €9.35

17.22%

Cappuccino

$5.63 $5.63

$2.23 €1.98

152.47%

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

$3.72 $3.72

$2.57 €2.28

44.75%

Water (0.33 liter bottle)

$2.50 $2.50

$1.45 €1.29

72.41%

Local Beer (0.5 liter draught)

$8.05 $8.05

$3.11 €2.77

158.84%

Imported Beer (0.33 liter bottle)

$9.01 $9.01

$3.43 €3.05

162.68%

Milk (1 liter)

$1.12 $1.12

$1.27 €1.13

-11.81%

White Bread (500g)

$3.75 $3.75

$1.05 €0.93

257.14%

Rice (white) (1kg)

$3.26 $3.26

$1.98 €1.76

64.65%

Eggs

$4.17 $4.17

$3.31 €2.94

25.98%

Local Cheese (1kg)

$12.90 $12.90

$8.45 €7.52

52.66%

Chicken Fillets (1kg)

$14.16 $14.16

$8.42 €7.49

68.17%

Beef Round Steak (1kg)

$16.22 $16.22

$12.33 €10.97

31.55%

Apples (1kg)

$4.33 $4.33

$1.61 €1.43

168.94%

Banana (1kg)

$1.46 $1.46

$1.66 €1.48

-12.05%

Oranges (1kg)

$4.51 $4.51

$1.74 €1.55

159.20%

Tomato (1kg)

$4.34 $4.34

$2.92 €2.60

48.63%

Potato (1kg)

$2.58 $2.58

$0.94 €0.84

174.47%

Onion (1kg)

$2.35 $2.35

$1.10 €0.98

113.64%

Lettuce (1 head)

$1.78 $1.78

$1.72 €1.53

3.49%

Water (1.5 liter bottle)

$2.22 $2.22

$0.94 €0.83

136.17%

Cigarettes 20 Pack (Marlboro, Camel)

$9.88 $9.88

$4.25 €3.78

132.47%

Wine (Bottle)

$15.08 $15.08

$5.56 €4.94

171.22%

Local Beer (0.5 liter bottle)

$2.92 $2.92

$1.12 €1.00

160.71%

Imported Beer (0.33 liter bottle)

$3.46 $3.46

$1.66 €1.48

108.43%

One-way Ticket (Public Transport)

$1.49 $1.49

$1.69 €1.51

-11.83%

Public Transport Monthly Pass (Regular Price)

$41.72 $41.72

$39.69 €35.31

5.11%

Taxi Start (Normal Tariff)

$2.73 $2.73

$1.13 €1.01

141.59%

Taxi (Normal Tariff) (1km)

$1.66 $1.66

$1.14 €1.01

45.61%

Taxi 1hour Waiting (Normal Tariff)

$35.30 $35.30

$11.22 €9.98

214.62%

Gasoline (1 liter)

$0.95 $0.95

$1.75 €1.56

-45.71%

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

$36.0K $36.0K

$29.6K €26.3K

21.91%

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

$27.1K $27.1K

$26.2K €23.3K

3.35%

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

$229 $229

$128 €114

79.01%

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

$59.4 $59.4

$14.97 €13.31

296.73%

Internet (50+ Mbps, Unlimited Data)

$69.9 $69.9

$33.55 €29.84

108.38%

Gym Membership (Monthly)

$57.2 $57.2

$46.68 €41.53

22.62%

Tennis Court (1 Hour on Weekend)

$16.33 $16.33

$15.45 €13.74

5.70%

Cinema Ticket

$14.28 $14.28

$6.20 €5.51

130.32%

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

$1,506 $1,506

$405 €360

272.22%

International Primary School, 1 Child (Yearly)

$21.5K $21.5K

$7,300 €6,494

193.91%

Jeans (Levis 501 Or Similar)

$52.8 $52.8

$86.3 €76.8

-38.83%

Summer Dress (H&M, Zara, etc)

$43.82 $43.82

$39.25 €34.91

11.64%

Sport Shoes (Adidas, Nike)

$84.8 $84.8

$97.4 €86.6

-12.97%

Men's Leather Business Shoes

$103 $103

$104 €92.4

-0.79%

1-bedroom Apartment, City Center (Monthly)

$1,907 $1,907

$882 €784

116.27%

1-bedroom Apartment, Outside City Center (Monthly)

$1,274 $1,274

$791 €704

61.06%

3-bedroom Apartment, City Center (Monthly)

$3,664 $3,664

$1,973 €1,755

85.76%

3-bedroom Apartment, Outside City Center (Monthly)

$2,538 $2,538

$1,428 €1,270

77.78%

Buy Apartment in City Center (m2)

$7,614 $7,614

$5,914 €5,260

28.75%

Buy Apartment Outside City Center (m2)

$3,157 $3,157

$2,633 €2,342

19.90%

Average Monthly Net Salary (After Tax)

$5,121 $5,121

$1,198 €1,066

327.35%

20-Year Fixed Mortgage Interest Rate (Annual %)

6.79

5.38

26.21%

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

Last update for Austin, TX: October 12, 2026

Last update for Tivat: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Austin, TX

$1.3K 47.8%

Tivat

$791 48.1% 37.9% $483

Groceries & Markets

Austin, TX

$405 15.2%

Tivat

$232 14.1% 42.8% $173

Monthly Utilities & Internet

Austin, TX

$358 13.5%

Tivat

$176 10.7% 50.8% $182

Eating Out

Austin, TX

$354 13.3%

Tivat

$186 11.3% 47.5% $168

Clothing & Footwear

Austin, TX

$128 4.8%

Tivat

$147 8.9% 14.9% $19

Sport & Entertainment

Austin, TX

$86 3.2%

Tivat

$59 3.6% 31.1% $27

Getting Around

Austin, TX

$59 2.2%

Tivat

$53 3.2% 9.2% $5.4

Cost Breakdown

A one-bedroom apartment in the center runs $1,907 in Austin, TX and $882 in Tivat. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 327% 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 $45.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $405 vs $232 per month, with Tivat cheaper across the board.

Good to know

🇺🇸 Austin, TX

🇲🇪 Tivat

🕒 Local time

07:14 7:14 AM

14:14 2:14 PM

7 h ahead of Austin, TX

🌤 Weather

👥 Population

974,447

9,500

💱 Currency

United States Dollar USD $

Euro EUR €

📈 Exchange rate

1 USD = 0.89 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Austin, TX Tivat 9,650 km ≈ 13 h nonstop flight

From you

Austin, TX
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

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

Tivat wins on cost – living expenses run 62% lower than in Austin, TX. 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 327% 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: $1,907 in Austin, TX versus $882 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $2,663 per month in Austin, TX versus $1,644 in Tivat – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tivat runs roughly 5% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,644 in Tivat versus $2,663 in Austin, TX, a $2,000 budget is realistic in Tivat but tight or insufficient in Austin, TX. 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, Austin, TX 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 62% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.