Cost of Living Comparison Between Herceg Novi and Kotor Cost of Living Comparison Between Herceg Novi and Kotor

Monthly Cost of Living

Monthly costs for one person with rent: $1,450 in Herceg Novi versus $1,569 in Kotor.

Estimated couple costs with rent: $2,139 in Herceg Novi versus $2,511 in Kotor.

Monthly costs for a family of three with rent: $2,829 in Herceg Novi versus $3,454 in Kotor.

Living in Herceg Novi costs roughly 8% less than in Kotor, driven mainly by Eating Out.

Both cities are pricier than the global median: Herceg Novi 8% above, Kotor 17% above.

Meal at Budget Restaurant

$11.54 €9.94

$16.49 €14.20

-30.02%

Three-Course Dinner for Two, Mid-Range

$37.78 €32.55

$57.9 €49.85

-34.70%

Fast Food Meal (McDonalds, etc)

$10.44 €8.99

$9.43 €8.12

10.71%

Cappuccino

$2.54 €2.19

$2.68 €2.31

-5.22%

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

$2.84 €2.44

$2.28 €1.97

24.56%

Water (0.33 liter bottle)

$1.92 €1.65

$1.49 €1.29

28.86%

Local Beer (0.5 liter draught)

$2.81 €2.42

$2.88 €2.48

-2.43%

Imported Beer (0.33 liter bottle)

$2.81 €2.42

$3.70 €3.19

-24.05%

Milk (1 liter)

$1.38 €1.19

$1.41 €1.22

-2.13%

White Bread (500g)

$0.95 €0.82

$1.02 €0.88

-6.86%

Rice (white) (1kg)

$2.59 €2.24

$2.40 €2.07

7.92%

Eggs

$3.18 €2.74

$3.13 €2.70

1.60%

Local Cheese (1kg)

$8.87 €7.64

$8.90 €7.67

-0.34%

Chicken Fillets (1kg)

$7.74 €6.67

$8.14 €7.02

-4.91%

Beef Round Steak (1kg)

$11.76 €10.14

$12.05 €10.38

-2.41%

Apples (1kg)

$1.27 €1.10

$1.25 €1.08

1.60%

Banana (1kg)

$1.65 €1.42

$1.82 €1.57

-9.34%

Oranges (1kg)

$1.60 €1.38

Tomato (1kg)

$2.88 €2.48

$2.57 €2.21

12.06%

Potato (1kg)

$1.09 €0.94

$0.96 €0.83

13.54%

Onion (1kg)

$1.42 €1.23

$1.10 €0.95

29.09%

Lettuce (1 head)

$1.51 €1.31

$1.72 €1.48

-12.21%

Water (1.5 liter bottle)

$0.76 €0.65

$0.80 €0.69

-5.00%

Cigarettes 20 Pack (Marlboro, Camel)

$3.67 €3.16

$4.21 €3.62

-12.83%

Wine (Bottle)

$4.63 €3.99

$6.51 €5.61

-28.88%

Local Beer (0.5 liter bottle)

$1.19 €1.03

$1.28 €1.10

-7.03%

Imported Beer (0.33 liter bottle)

$1.79 €1.54

$1.85 €1.60

-3.24%

One-way Ticket (Public Transport)

$1.15 €0.99

$1.46 €1.26

-21.23%

Public Transport Monthly Pass (Regular Price)

$58.4 €50.3

$37.30 €32.14

56.57%

Taxi Start (Normal Tariff)

$2.28 €1.96

$0.67 €0.58

240.30%

Taxi (Normal Tariff) (1km)

$0.74 €0.64

$1.07 €0.92

-30.84%

Taxi 1hour Waiting (Normal Tariff)

$17.65 €15.21

$11.77 €10.14

49.96%

Gasoline (1 liter)

$1.70 €1.46

$1.67 €1.44

1.80%

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

$33.1K €28.6K

$28.9K €24.9K

14.73%

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

$22.2K €19.1K

$26.9K €23.1K

-17.31%

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

$142 €123

$125 €108

13.81%

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

$17.08 €14.72

$18.06 €15.56

-5.43%

Internet (50+ Mbps, Unlimited Data)

$31.16 €26.84

$32.58 €28.07

-4.36%

Gym Membership (Monthly)

$58.2 €50.1

$44.84 €38.64

29.75%

Tennis Court (1 Hour on Weekend)

$11.70 €10.08

$14.54 €12.53

-19.53%

Cinema Ticket

$7.94 €6.84

$5.68 €4.90

39.79%

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

$530 €457

$281 €242

88.68%

International Primary School, 1 Child (Yearly)

$7,724 €6,655

$7,488 €6,452

3.15%

Jeans (Levis 501 Or Similar)

$85.2 €73.4

$83.9 €72.3

1.50%

Summer Dress (H&M, Zara, etc)

$35.37 €30.48

$45.46 €39.17

-22.20%

Sport Shoes (Adidas, Nike)

$75.3 €64.9

$95.2 €82.0

-20.94%

Men's Leather Business Shoes

$97.3 €83.8

$110 €95.1

-11.90%

1-bedroom Apartment, City Center (Monthly)

$739 €637

$703 €606

5.15%

1-bedroom Apartment, Outside City Center (Monthly)

$553 €477

$670 €577

-17.40%

3-bedroom Apartment, City Center (Monthly)

$1,356 €1,168

$1,243 €1,071

9.13%

3-bedroom Apartment, Outside City Center (Monthly)

$974 €839

$1,349 €1,163

-27.83%

Buy Apartment in City Center (m2)

$3,702 €3,189

$3,959 €3,411

-6.49%

Buy Apartment Outside City Center (m2)

$2,535 €2,184

$2,886 €2,487

-12.16%

Average Monthly Net Salary (After Tax)

$1,099 €947

$987 €850

11.36%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.93

-15.68%

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

Last update for Herceg Novi: June 8, 2026

Last update for Kotor: June 9, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $739 in Herceg Novi and $703 in Kotor. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 11% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $38.00 in Herceg Novi vs $58.0 in Kotor for a mid-range dinner for two. Groceries echo the gap at $224 vs $231 per month, with Herceg Novi cheaper across the board.

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

Herceg Novi and Kotor differ by about 8% in total monthly costs ($1,450 vs $1,569 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Herceg Novi pays 11% more on average, 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: $739 in Herceg Novi versus $703 in Kotor. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 3% 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 $38.00 versus $58.0 in Kotor. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,450 in Herceg Novi versus $1,569 in Kotor, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Kotor. 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, Herceg Novi and Kotor 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 8% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.