Last update: Oct 2026

Cost of Living Comparison Between Cakovec and Tivat

For one person, living is cheaper in Cakovec: $1,335 a month against $1,651 in Tivat, rent and utilities included – about $3,800 less a year. Higher rent and utilities in Tivat outweigh lower spending on other living expenses.

64

Cost of Living Index in Cakovec
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Cakovec Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Cakovec

🇭🇷 Croatia

$1,335

/mo nomad

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Monthly Cost of Living

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

A single person spends $1,335 per month in Cakovec vs $1,651 in Tivat, rent included.

Cakovec $1,335
Tivat $1,651

A couple spends around $1,949 per month in Cakovec vs $2,494 in Tivat, rent included.

Cakovec $1,949
Tivat $2,494

A family of three spends $2,564 per month in Cakovec vs $3,338 in Tivat, rent included.

Cakovec $2,564
Tivat $3,338

Cakovec is about 19% cheaper than Tivat, and outside of rent the biggest gap is in eating out.

Cakovec sits 1% below the global median, while Tivat is 22% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$7.07 €6.29

$11.18 €9.95

-36.76%

Three-Course Dinner for Two, Mid-Range

$44.58 €39.65

$45.70 €40.65

-2.45%

Fast Food Meal (McDonalds, etc)

$7.98 €7.10

$10.86 €9.66

-26.52%

Cappuccino

$2.17 €1.93

$2.21 €1.97

-1.81%

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

$2.08 €1.85

$2.58 €2.30

-19.38%

Water (0.33 liter bottle)

$1.72 €1.53

$1.40 €1.25

22.86%

Local Beer (0.5 liter draught)

$2.54 €2.26

$3.17 €2.82

-19.87%

Imported Beer (0.33 liter bottle)

$3.28 €2.92

$3.31 €2.94

-0.91%

Milk (1 liter)

$1.21 €1.08

$1.29 €1.14

-6.20%

White Bread (500g)

$1.60 €1.42

$1.09 €0.97

46.79%

Rice (white) (1kg)

$3.35 €2.98

$1.94 €1.72

72.68%

Eggs

$3.47 €3.09

$3.36 €2.99

3.27%

Local Cheese (1kg)

$15.98 €14.21

$8.92 €7.93

79.15%

Chicken Fillets (1kg)

$10.35 €9.20

$8.07 €7.18

28.25%

Beef Round Steak (1kg)

$9.97 €8.87

$12.30 €10.94

-18.94%

Apples (1kg)

$1.63 €1.45

$1.62 €1.44

0.62%

Banana (1kg)

$1.75 €1.56

$1.68 €1.50

4.17%

Oranges (1kg)

$1.58 €1.41

$1.73 €1.54

-8.67%

Tomato (1kg)

$1.61 €1.43

$2.88 €2.56

-44.10%

Potato (1kg)

$1.38 €1.22

$0.92 €0.82

50.00%

Onion (1kg)

$1.32 €1.17

$1.12 €1.00

17.86%

Lettuce (1 head)

$0.82 €0.73

$1.67 €1.48

-50.90%

Water (1.5 liter bottle)

$1.35 €1.20

$0.89 €0.79

51.69%

Cigarettes 20 Pack (Marlboro, Camel)

$5.43 €4.83

$4.34 €3.86

25.12%

Wine (Bottle)

$7.49 €6.66

$5.56 €4.94

34.71%

Local Beer (0.5 liter bottle)

$1.26 €1.12

$1.09 €0.97

15.60%

Imported Beer (0.33 liter bottle)

$1.92 €1.71

$1.68 €1.49

14.29%

One-way Ticket (Public Transport)

$2.35 €2.09

$1.71 €1.52

37.43%

Public Transport Monthly Pass (Regular Price)

$61.9 €55.1

$39.50 €35.14

56.71%

Taxi Start (Normal Tariff)

$5.60 €4.98

$1.14 €1.01

391.23%

Taxi (Normal Tariff) (1km)

$1.38 €1.23

$1.15 €1.02

20.00%

Taxi 1hour Waiting (Normal Tariff)

$11.21 €9.98

$11.35 €10.10

-1.23%

Gasoline (1 liter)

$1.68 €1.50

$1.79 €1.60

-6.15%

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

$26.2K €23.3K

$27.8K €24.7K

-5.75%

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

$24.7K €21.9K

$25.6K €22.8K

-3.67%

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

$190 €169

$127 €113

48.94%

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

$18.04 €16.05

$15.03 €13.37

20.03%

Internet (50+ Mbps, Unlimited Data)

$33.29 €29.61

$33.55 €29.84

-0.77%

Gym Membership (Monthly)

$52.6 €46.80

$46.87 €41.69

12.27%

Tennis Court (1 Hour on Weekend)

$22.41 €19.93

$15.38 €13.68

45.71%

Cinema Ticket

$7.94 €7.07

$6.00 €5.33

32.33%

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

$129 €115

$407 €362

-68.31%

International Primary School, 1 Child (Yearly)

$8,329 €7,409

$7,455 €6,632

11.72%

Jeans (Levis 501 Or Similar)

$97.2 €86.4

$87.0 €77.4

11.65%

Summer Dress (H&M, Zara, etc)

$41.05 €36.51

$39.46 €35.10

4.03%

Sport Shoes (Adidas, Nike)

$86.9 €77.3

$97.8 €87.0

-11.15%

Men's Leather Business Shoes

$108 €96.2

$104 €92.4

4.15%

1-bedroom Apartment, City Center (Monthly)

$480 €427

$884 €786

-45.67%

1-bedroom Apartment, Outside City Center (Monthly)

$381 €339

$797 €709

-52.18%

3-bedroom Apartment, City Center (Monthly)

$691 €615

$1,996 €1,775

-65.37%

3-bedroom Apartment, Outside City Center (Monthly)

$518 €461

$1,433 €1,275

-63.83%

Buy Apartment in City Center (m2)

$3,160 €2,810

$5,841 €5,196

-45.91%

Buy Apartment Outside City Center (m2)

$2,235 €1,988

$2,688 €2,391

-16.84%

Average Monthly Net Salary (After Tax)

$1,295 €1,152

$1,214 €1,080

6.64%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.73

5.38

-30.67%

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

Last update for Cakovec: October 19, 2026

Last update for Tivat: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Cakovec

$381 28.6%

Tivat

$797 48.3% 109% $416

Groceries & Markets

Cakovec

$269 20.2%

Tivat

$231 14% 14.3% $39

Monthly Utilities & Internet

Cakovec

$241 18.1%

Tivat

$176 10.7% 27% $65

Clothing & Footwear

Cakovec

$150 11.2%

Tivat

$148 9% 1.5% $2.3

Eating Out

Cakovec

$141 10.6%

Tivat

$187 11.3% 32.5% $46

Getting Around

Cakovec

$84 6.3%

Tivat

$53 3.2% 36.5% $31

Sport & Entertainment

Cakovec

$69 5.1%

Tivat

$59 3.6% 14.1% $9.6

Cost Breakdown

A central one-bedroom costs $480 in Cakovec versus $884 in Tivat. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 7% higher in Cakovec, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $45.00 in Cakovec versus $46.00 in Tivat. Groceries tell a different story – $269 in Cakovec vs $231 in Tivat – so Tivat wins on supermarket bills even if dining out costs more.

Good to know

🇭🇷 Cakovec

🇲🇪 Tivat

🕒 Local time

13:43 1:43 PM

Same time as Cakovec

🌤 Weather

👥 Population

27,122

9,500

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Cakovec Tivat 480 km

From you

Cakovec
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

Cakovec vs Tivat: Cost of Living - Frequently Asked Questions

Tivat costs about 24% more than Cakovec, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,002 per month in Cakovec and $2,476 in Tivat. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cakovec, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 17% cheaper in Tivat – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $45.00 in Cakovec and $46.00 in Tivat. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Cakovec, where all-in costs run around $1,335, than in Tivat at $1,651. In Cakovec it covers expenses comfortably, while in Tivat it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cakovec costs $1,335 versus $1,651 in Tivat. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

If budget matters most, go with Cakovec. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tivat makes more sense. Both are solid long-term options with distinct trade-offs.