Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Saitama

For one person, living is cheaper in Saitama: $1,003 a month against $1,234 in Herceg Novi, rent and utilities included – about $2,800 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
49

Cost of Living Index in Saitama
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Saitama Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,234

/mo nomad

Saitama

🇯🇵 Japan

$1,003

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,234 in Herceg Novi versus $1,003 in Saitama.

Herceg Novi $1,234
Saitama $1,003

Estimated couple costs with rent: $1,969 in Herceg Novi versus $1,327 in Saitama.

Herceg Novi $1,969
Saitama $1,327

Monthly costs for a family of three with rent: $2,705 in Herceg Novi versus $1,650 in Saitama.

Herceg Novi $2,705
Saitama $1,650

Living in Herceg Novi is roughly 23% more expensive than in Saitama, and outside of rent the biggest gap is in eating out.

Both cities sit below the global median: Herceg Novi 9% lower, Saitama 26% lower.

Meal at Budget Restaurant

$11.15 €9.91

$5.50 ¥869

102.73%

Three-Course Dinner for Two, Mid-Range

$36.61 €32.57

$31.36 ¥4,955

16.74%

Fast Food Meal (McDonalds, etc)

$9.07 €8.07

$4.80 ¥758

88.96%

Cappuccino

$2.58 €2.30

$2.92 ¥461

-11.64%

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

$2.56 €2.28

$0.70 ¥111

265.71%

Water (0.33 liter bottle)

$1.63 €1.45

$0.58 ¥92.0

181.03%

Local Beer (0.5 liter draught)

$2.82 €2.50

$2.51 ¥396

12.35%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$3.23 ¥511

6.19%

Milk (1 liter)

$1.19 €1.06

$1.39 ¥220

-14.39%

White Bread (500g)

$1.02 €0.90

$1.64 ¥259

-37.80%

Rice (white) (1kg)

$2.79 €2.49

$2.76 ¥436

1.09%

Eggs

$3.00 €2.67

$2.00 ¥315

50.00%

Local Cheese (1kg)

$9.06 €8.06

$10.18 ¥1,609

-11.00%

Chicken Fillets (1kg)

$7.19 €6.40

$5.44 ¥859

32.17%

Beef Round Steak (1kg)

$12.92 €11.49

$14.20 ¥2,243

-9.01%

Apples (1kg)

$1.33 €1.19

$5.61 ¥887

-76.29%

Banana (1kg)

$1.51 €1.34

$2.16 ¥342

-30.09%

Oranges (1kg)

$1.60 €1.43

$2.91 ¥459

-45.02%

Tomato (1kg)

$3.00 €2.67

$4.29 ¥678

-30.07%

Potato (1kg)

$0.87 €0.78

$2.50 ¥395

-65.20%

Onion (1kg)

$1.30 €1.15

$1.61 ¥255

-19.25%

Lettuce (1 head)

$1.51 €1.35

$1.30 ¥205

16.15%

Water (1.5 liter bottle)

$0.94 €0.84

$0.72 ¥114

30.56%

Cigarettes 20 Pack (Marlboro, Camel)

$3.98 €3.54

$3.89 ¥615

2.31%

Wine (Bottle)

$4.52 €4.02

$6.45 ¥1,018

-29.92%

Local Beer (0.5 liter bottle)

$1.28 €1.14

$1.80 ¥284

-28.89%

Imported Beer (0.33 liter bottle)

$1.72 €1.53

$2.01 ¥318

-14.43%

One-way Ticket (Public Transport)

$1.69 €1.50

$3.32 ¥525

-49.10%

Public Transport Monthly Pass (Regular Price)

$44.23 €39.34

Taxi Start (Normal Tariff)

$2.95 €2.62

$3.24 ¥512

-8.95%

Taxi (Normal Tariff) (1km)

$1.14 €1.02

$2.63 ¥416

-56.65%

Taxi 1hour Waiting (Normal Tariff)

$16.48 €14.66

$20.14 ¥3,181

-18.17%

Gasoline (1 liter)

$1.77 €1.57

$1.10 ¥174

60.91%

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

$32.2K €28.6K

$21.4K ¥3.4M

50.12%

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

$21.4K €19.1K

$14.2K ¥2.2M

51.22%

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

$132 €117

$133 ¥21.0K

-0.83%

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

$12.96 €11.53

$18.15 ¥2,867

-28.60%

Internet (50+ Mbps, Unlimited Data)

$33.87 €30.13

$32.67 ¥5,162

3.67%

Gym Membership (Monthly)

$55.6 €49.47

$62.7 ¥9,909

-11.32%

Tennis Court (1 Hour on Weekend)

$11.01 €9.79

Cinema Ticket

$7.60 €6.76

$11.09 ¥1,752

-31.47%

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

$442 €393

$634 ¥100.1K

-30.26%

International Primary School, 1 Child (Yearly)

$7,034 €6,257

$14.5K ¥2.3M

-51.63%

Jeans (Levis 501 Or Similar)

$85.2 €75.8

$35.01 ¥5,531

143.24%

Summer Dress (H&M, Zara, etc)

$33.74 €30.01

$25.25 ¥3,989

33.62%

Sport Shoes (Adidas, Nike)

$71.6 €63.7

$55.0 ¥8,686

30.17%

Men's Leather Business Shoes

$94.3 €83.9

$62.6 ¥9,891

50.58%

1-bedroom Apartment, City Center (Monthly)

$661 €588

$413 ¥65.3K

59.97%

1-bedroom Apartment, Outside City Center (Monthly)

$386 €344

$233 ¥36.8K

65.81%

3-bedroom Apartment, City Center (Monthly)

$1,227 €1,092

3-bedroom Apartment, Outside City Center (Monthly)

$872 €776

Buy Apartment in City Center (m2)

$3,727 €3,315

Buy Apartment Outside City Center (m2)

$2,355 €2,095

Average Monthly Net Salary (After Tax)

$1,053 €937

$1,550 ¥244.9K

-32.05%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.06

142.72%

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

Last update for Herceg Novi: October 12, 2026

Last update for Saitama: October 11, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$386 31.3%

Saitama

$233 23.2% 39.7% $153

Groceries & Markets

Herceg Novi

$226 18.3%

Saitama

$274 27.4% 21.5% $49

Eating Out

Herceg Novi

$185 15%

Saitama

$118 11.7% 36.5% $68

Monthly Utilities & Internet

Herceg Novi

$178 14.5%

Saitama

$184 18.3% 2.9% $5.1

Clothing & Footwear

Herceg Novi

$128 10.4%

Saitama

$80 8% 37.5% $48

Sport & Entertainment

Herceg Novi

$71 5.7%

Saitama

$85 8.5% 19.9% $14

Getting Around

Herceg Novi

$60 4.8%

Saitama

$30 * 3% 50.2% $30

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

A one-bedroom apartment in the center runs $661 in Herceg Novi and $413 in Saitama. Housing cost is often the main lever when comparing two cities.

Saitama pays 47% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $37.00 in Herceg Novi vs $31.00 in Saitama. Groceries flip the comparison at $226 vs $274, with Herceg Novi cheaper for home cooking.

Good to know

🇲🇪 Herceg Novi

🇯🇵 Saitama

🕒 Local time

10:42 10:42 AM

17:42 5:42 PM

7 h ahead of Herceg Novi

🌤 Weather

👥 Population

11,059

1,182,115

💱 Currency

Euro EUR €

Japanese Yen JPY ¥

📈 Exchange rate

1 EUR = 1.12 USD

1,000 JPY = 6.33 USD

1,000 JPY = 5.63 EUR

Exchange rates and currency converter

JPY, USD to EUR – Euro Converter

🇺🇸 United States Dollar ($)

🇪🇺 Euro (€)

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

Japanese Yen exchange rates as of October 20, 2026: 1 USD = 158 JPY (1,000 JPY = 6.33 USD). 1 EUR = 178 JPY (1,000 JPY = 5.63 EUR).

USD to EUR in detail →

On the map

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Between locations

Herceg Novi Saitama 9,460 km ≈ 12 h nonstop flight

From you

Herceg Novi
Saitama

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 Saitama: Cost of Living - Frequently Asked Questions

Herceg Novi and Saitama differ by about 23% in total monthly costs ($1,234 vs $1,003 including rent). Saitama is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 47% lower in Saitama. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $661 in Herceg Novi versus $413 in Saitama. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $442 in Herceg Novi versus $634 in Saitama. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Dining out is cheaper in Saitama – 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 $1,003 in Saitama versus $1,234 in Herceg Novi, a $1,500 budget is realistic in Saitama but tight or insufficient in Herceg Novi. The gap between the two cities makes Saitama 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 Saitama 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 Saitama gentler on the wallet – expenses run 23% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.