Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Kotor

For one person, living is cheaper in Herceg Novi: $1,255 a month against $1,536 in Kotor, rent and utilities included – about $3,400 less a year. Rent and utilities account for most of the difference.

60

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
73

Cost of Living Index in Kotor
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Kotor Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,255

/mo nomad

Kotor

🇲🇪 Montenegro

$1,536

/mo nomad

Monthly Cost of Living

How much you'll spend in Herceg Novi and in Kotor

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

Monthly costs for one person with rent: $1,255 in Herceg Novi versus $1,536 in Kotor.

Herceg Novi $1,255
Kotor $1,536

Estimated couple costs with rent: $1,980 in Herceg Novi versus $2,437 in Kotor.

Herceg Novi $1,980
Kotor $2,437

Monthly costs for a family of three with rent: $2,705 in Herceg Novi versus $3,338 in Kotor.

Herceg Novi $2,705
Kotor $3,338

Living in Herceg Novi costs roughly 18% less than in Kotor, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Herceg Novi is 8% below, Kotor is 13% above.

Meal at Budget Restaurant

$11.36 €10.18

$11.05 €9.90

2.81%

Three-Course Dinner for Two, Mid-Range

$36.63 €32.82

$57.9 €51.9

-36.72%

Fast Food Meal (McDonalds, etc)

$9.15 €8.20

$11.11 €9.95

-17.64%

Cappuccino

$2.55 €2.28

$3.23 €2.89

-21.05%

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

$2.46 €2.21

$2.49 €2.23

-1.20%

Water (0.33 liter bottle)

$1.61 €1.44

$1.58 €1.41

1.90%

Local Beer (0.5 liter draught)

$2.75 €2.46

$3.10 €2.78

-11.29%

Imported Beer (0.33 liter bottle)

$3.26 €2.92

$4.40 €3.94

-25.91%

Milk (1 liter)

$1.20 €1.07

$1.26 €1.13

-4.76%

White Bread (500g)

$0.93 €0.84

$0.99 €0.89

-6.06%

Rice (white) (1kg)

$2.94 €2.63

$1.91 €1.71

53.93%

Eggs

$2.97 €2.67

$3.57 €3.20

-16.81%

Local Cheese (1kg)

$8.83 €7.91

$8.98 €8.05

-1.67%

Chicken Fillets (1kg)

$7.19 €6.44

$8.51 €7.63

-15.51%

Beef Round Steak (1kg)

$12.60 €11.29

$12.51 €11.21

0.72%

Apples (1kg)

$1.34 €1.20

Banana (1kg)

$1.51 €1.36

$1.72 €1.54

-12.21%

Oranges (1kg)

$1.55 €1.39

Tomato (1kg)

$2.97 €2.66

$2.42 €2.17

22.73%

Potato (1kg)

$0.88 €0.79

$0.93 €0.83

-5.38%

Onion (1kg)

$1.29 €1.16

$1.07 €0.96

20.56%

Lettuce (1 head)

$1.46 €1.31

$1.49 €1.34

-2.01%

Water (1.5 liter bottle)

$0.94 €0.85

$0.80 €0.71

17.50%

Cigarettes 20 Pack (Marlboro, Camel)

$3.82 €3.42

$4.43 €3.97

-13.77%

Wine (Bottle)

$4.35 €3.90

$8.99 €8.06

-51.61%

Local Beer (0.5 liter bottle)

$1.22 €1.10

$1.09 €0.98

11.93%

Imported Beer (0.33 liter bottle)

$1.73 €1.55

$1.82 €1.63

-4.95%

One-way Ticket (Public Transport)

$1.63 €1.46

$1.65 €1.48

-1.21%

Public Transport Monthly Pass (Regular Price)

$44.07 €39.49

$45.37 €40.65

-2.87%

Taxi Start (Normal Tariff)

$2.96 €2.65

$0.77 €0.69

284.42%

Taxi (Normal Tariff) (1km)

$1.10 €0.98

$1.14 €1.02

-3.51%

Taxi 1hour Waiting (Normal Tariff)

$16.88 €15.13

$11.22 €10.05

50.45%

Gasoline (1 liter)

$1.71 €1.53

$1.69 €1.52

1.18%

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

$32.6K €29.2K

$28.0K €25.0K

16.57%

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

$21.1K €18.9K

$23.9K €21.4K

-11.77%

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

$132 €118

$127 €114

3.30%

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

$12.90 €11.56

$16.92 €15.17

-23.76%

Internet (50+ Mbps, Unlimited Data)

$33.39 €29.92

$32.06 €28.73

4.15%

Gym Membership (Monthly)

$55.8 €50.0

$44.81 €40.16

24.57%

Tennis Court (1 Hour on Weekend)

$11.10 €9.95

$20.22 €18.12

-45.10%

Cinema Ticket

$7.69 €6.89

$6.56 €5.88

17.23%

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

$444 €398

$340 €305

30.70%

International Primary School, 1 Child (Yearly)

$7,034 €6,304

$7,381 €6,614

-4.69%

Jeans (Levis 501 Or Similar)

$83.8 €75.1

$85.5 €76.6

-1.98%

Summer Dress (H&M, Zara, etc)

$33.75 €30.25

$45.22 €40.52

-25.36%

Sport Shoes (Adidas, Nike)

$72.6 €65.0

$97.1 €87.0

-25.27%

Men's Leather Business Shoes

$93.7 €83.9

$104 €93.2

-9.95%

1-bedroom Apartment, City Center (Monthly)

$659 €590

$659 €591

-0.05%

1-bedroom Apartment, Outside City Center (Monthly)

$411 €368

$659 €590

-37.67%

3-bedroom Apartment, City Center (Monthly)

$1,255 €1,124

$1,327 €1,189

-5.46%

3-bedroom Apartment, Outside City Center (Monthly)

$879 €788

$1,321 €1,184

-33.44%

Buy Apartment in City Center (m2)

$3,651 €3,271

$3,931 €3,523

-7.13%

Buy Apartment Outside City Center (m2)

$2,351 €2,107

$2,786 €2,496

-15.59%

Average Monthly Net Salary (After Tax)

$1,040 €932

$933 €836

11.53%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

-15.97%

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

Last update for Herceg Novi: October 26, 2026

Last update for Kotor: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$411 32.7%

Kotor

$659 42.9% 60.4% $248

Groceries & Markets

Herceg Novi

$223 17.8%

Kotor

$234 15.3% 5.2% $12

Eating Out

Herceg Novi

$186 14.8%

Kotor

$201 13.1% 8.3% $15

Monthly Utilities & Internet

Herceg Novi

$178 14.2%

Kotor

$176 11.5% 0.8% $1.5

Clothing & Footwear

Herceg Novi

$128 10.2%

Kotor

$149 9.7% 16.9% $22

Sport & Entertainment

Herceg Novi

$71 5.7%

Kotor

$58 3.8% 18.6% $13

Getting Around

Herceg Novi

$59 4.7%

Kotor

$58 3.8% 1.1% $0.6

Cost Breakdown

A one-bedroom apartment in the center runs $659 in Herceg Novi and $659 in Kotor. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $37 in Herceg Novi vs $58 in Kotor for a mid-range dinner for two. Groceries echo the gap at $223 vs $234 per month, with Herceg Novi cheaper across the board.

Good to know

🇲🇪 Herceg Novi

🇲🇪 Kotor

🕒 Local time

05:08 5:08 AM

Same time as Herceg Novi

🌤 Weather

👥 Population

11,059

13,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Herceg Novi Kotor 19 km

From you

Herceg Novi
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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

Herceg Novi vs Kotor: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,255 in Herceg Novi and $1,536 in Kotor, so Herceg Novi is about 18% cheaper – a gap that matters a lot on a fixed or modest income.

Average pay runs 12% higher in Herceg Novi, 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: $659 in Herceg Novi versus $659 in Kotor. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% higher in Kotor. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Herceg Novi – a meal for two runs $37 versus $58 in Kotor. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $2,000 a month, though Herceg Novi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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, Herceg Novi and Kotor are both considered safe, so it’s unlikely to be the deciding factor between them.