Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Niksic

For one person, living is cheaper in Niksic: $971 a month against $1,234 in Herceg Novi, rent and utilities included – about $3,200 less a year. Rent and utilities account for about half of the difference.

60

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
47

Cost of Living Index in Niksic
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Niksic Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,234

/mo nomad

Niksic

🇲🇪 Montenegro

$971

/mo nomad

Monthly Cost of Living

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

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 Niksic actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,234 in Herceg Novi versus $971 in Niksic.

Herceg Novi $1,234
Niksic $971

Estimated couple costs with rent: $1,969 in Herceg Novi versus $1,461 in Niksic.

Herceg Novi $1,969
Niksic $1,461

Monthly costs for a family of three with rent: $2,705 in Herceg Novi versus $1,951 in Niksic.

Herceg Novi $2,705
Niksic $1,951

Living in Herceg Novi is roughly 27% more expensive than in Niksic, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Herceg Novi 9% lower, Niksic 28% lower.

Meal at Budget Restaurant

$11.15 €9.91

$7.97 €7.09

39.90%

Three-Course Dinner for Two, Mid-Range

$36.61 €32.57

$31.19 €27.75

17.38%

Fast Food Meal (McDonalds, etc)

$9.07 €8.07

$5.46 €4.86

66.12%

Cappuccino

$2.58 €2.30

$1.71 €1.52

50.88%

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

$2.56 €2.28

$1.90 €1.69

34.74%

Water (0.33 liter bottle)

$1.63 €1.45

$1.15 €1.02

41.74%

Local Beer (0.5 liter draught)

$2.82 €2.50

$2.00 €1.78

41.00%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$2.18 €1.94

57.34%

Milk (1 liter)

$1.19 €1.06

$1.06 €0.94

12.26%

White Bread (500g)

$1.02 €0.90

$0.88 €0.78

15.91%

Rice (white) (1kg)

$2.79 €2.49

$1.90 €1.69

46.84%

Eggs

$3.00 €2.67

$3.15 €2.80

-4.76%

Local Cheese (1kg)

$9.06 €8.06

$7.35 €6.54

23.27%

Chicken Fillets (1kg)

$7.19 €6.40

$5.94 €5.28

21.04%

Beef Round Steak (1kg)

$12.92 €11.49

$10.97 €9.76

17.78%

Apples (1kg)

$1.33 €1.19

$1.14 €1.01

16.67%

Banana (1kg)

$1.51 €1.34

$1.25 €1.11

20.80%

Oranges (1kg)

$1.60 €1.43

$1.34 €1.19

19.40%

Tomato (1kg)

$3.00 €2.67

$2.01 €1.79

49.25%

Potato (1kg)

$0.87 €0.78

$0.99 €0.88

-12.12%

Onion (1kg)

$1.30 €1.15

$1.02 €0.90

27.45%

Lettuce (1 head)

$1.51 €1.35

$1.05 €0.93

43.81%

Water (1.5 liter bottle)

$0.94 €0.84

$0.78 €0.69

20.51%

Cigarettes 20 Pack (Marlboro, Camel)

$3.98 €3.54

$4.16 €3.70

-4.33%

Wine (Bottle)

$4.52 €4.02

$4.89 €4.35

-7.57%

Local Beer (0.5 liter bottle)

$1.28 €1.14

$0.99 €0.88

29.29%

Imported Beer (0.33 liter bottle)

$1.72 €1.53

$1.16 €1.03

48.28%

One-way Ticket (Public Transport)

$1.69 €1.50

$1.15 €1.02

46.96%

Public Transport Monthly Pass (Regular Price)

$44.23 €39.34

$33.22 €29.55

33.14%

Taxi Start (Normal Tariff)

$2.95 €2.62

$0.57 €0.51

417.54%

Taxi (Normal Tariff) (1km)

$1.14 €1.02

$0.58 €0.51

96.55%

Taxi 1hour Waiting (Normal Tariff)

$16.48 €14.66

$7.10 €6.32

132.11%

Gasoline (1 liter)

$1.77 €1.57

$1.70 €1.51

4.12%

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

$32.2K €28.6K

$21.2K €18.9K

51.77%

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

$21.4K €19.1K

$25.3K €22.5K

-15.18%

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

$132 €117

$119 €106

10.17%

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

$12.96 €11.53

$22.74 €20.23

-43.01%

Internet (50+ Mbps, Unlimited Data)

$33.87 €30.13

$23.97 €21.33

41.30%

Gym Membership (Monthly)

$55.6 €49.47

$32.99 €29.34

68.60%

Tennis Court (1 Hour on Weekend)

$11.01 €9.79

$10.40 €9.25

5.87%

Cinema Ticket

$7.60 €6.76

$5.68 €5.05

33.80%

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

$442 €393

$81.9 €72.9

439.62%

International Primary School, 1 Child (Yearly)

$7,034 €6,257

$4,534 €4,033

55.14%

Jeans (Levis 501 Or Similar)

$85.2 €75.8

$82.7 €73.6

2.94%

Summer Dress (H&M, Zara, etc)

$33.74 €30.01

$31.23 €27.78

8.04%

Sport Shoes (Adidas, Nike)

$71.6 €63.7

$88.8 €79.0

-19.44%

Men's Leather Business Shoes

$94.3 €83.9

$114 €101

-17.11%

1-bedroom Apartment, City Center (Monthly)

$661 €588

$420 €374

57.34%

1-bedroom Apartment, Outside City Center (Monthly)

$386 €344

$261 €232

47.85%

3-bedroom Apartment, City Center (Monthly)

$1,227 €1,092

$607 €540

102.14%

3-bedroom Apartment, Outside City Center (Monthly)

$872 €776

$407 €362

114.19%

Buy Apartment in City Center (m2)

$3,727 €3,315

$1,624 €1,444

129.54%

Buy Apartment Outside City Center (m2)

$2,355 €2,095

$1,196 €1,064

96.87%

Average Monthly Net Salary (After Tax)

$1,053 €937

$788 €701

33.62%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

-9.09%

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

Last update for Herceg Novi: October 12, 2026

Last update for Niksic: October 13, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$386 31.3%

Niksic

$261 26.9% 32.4% $125

Groceries & Markets

Herceg Novi

$226 18.3%

Niksic

$188 19.4% 16.5% $37

Eating Out

Herceg Novi

$185 15%

Niksic

$127 13.1% 31.3% $58

Monthly Utilities & Internet

Herceg Novi

$178 14.5%

Niksic

$166 17.1% 6.9% $12

Clothing & Footwear

Herceg Novi

$128 10.4%

Niksic

$142 14.7% 11.2% $14

Sport & Entertainment

Herceg Novi

$71 5.7%

Niksic

$44 4.6% 37.4% $26

Getting Around

Herceg Novi

$60 4.8%

Niksic

$41 4.3% 30.8% $18

Cost Breakdown

A one-bedroom apartment in the center runs $661 in Herceg Novi and $420 in Niksic. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 34% 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: $37.00 in Herceg Novi vs $31.00 in Niksic for a mid-range dinner for two. Groceries echo the gap at $226 vs $188 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Herceg Novi

🇲🇪 Niksic

🕒 Local time

08:54 8:54 AM

Same time as Herceg Novi

🌤 Weather

👥 Population

11,059

56,970

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Herceg Novi Niksic 49 km

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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 Niksic: Cost of Living - Frequently Asked Questions

Herceg Novi and Niksic differ by about 27% in total monthly costs ($1,234 vs $971 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 34% 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: $661 in Herceg Novi versus $420 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 20% higher in Herceg Novi. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Niksic – a meal for two runs $31.00 versus $37.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $971 in Niksic versus $1,234 in Herceg Novi, a $2,000 budget is realistic in Niksic but tight or insufficient in Herceg Novi. The gap between the two cities makes Niksic 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 Niksic 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 Niksic gentler on the wallet – expenses run 27% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.