Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Sofia

For one person, living is cheaper in Herceg Novi: $1,237 a month against $1,589 in Sofia, rent and utilities included – about $4,200 less a year. Rent and utilities account for most of the difference.

61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
78

Cost of Living Index in Sofia
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Sofia Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,237

/mo nomad

Sofia

🇧🇬 Bulgaria

$1,589

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,237 in Herceg Novi versus $1,589 in Sofia.

Herceg Novi $1,237
Sofia $1,589

Estimated couple costs with rent: $1,973 in Herceg Novi versus $2,456 in Sofia.

Herceg Novi $1,973
Sofia $2,456

Monthly costs for a family of three with rent: $2,710 in Herceg Novi versus $3,324 in Sofia.

Herceg Novi $2,710
Sofia $3,324

Living in Herceg Novi costs roughly 22% less than in Sofia, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Herceg Novi is 8% below, Sofia is 19% above.

Meal at Budget Restaurant

$11.23 €10.02

$17.10 BGN 29.93

-34.33%

Three-Course Dinner for Two, Mid-Range

$36.34 €32.43

$66.9 BGN 117

-45.69%

Fast Food Meal (McDonalds, etc)

$9.19 €8.20

$11.77 BGN 20.59

-21.92%

Cappuccino

$2.59 €2.31

$3.42 BGN 5.99

-24.27%

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

$2.47 €2.20

$2.42 BGN 4.23

2.07%

Water (0.33 liter bottle)

$1.64 €1.46

$1.86 BGN 3.26

-11.83%

Local Beer (0.5 liter draught)

$2.82 €2.52

$3.33 BGN 5.83

-15.32%

Imported Beer (0.33 liter bottle)

$3.39 €3.02

$4.53 BGN 7.92

-25.17%

Milk (1 liter)

$1.16 €1.04

$1.92 BGN 3.36

-39.58%

White Bread (500g)

$1.02 €0.91

$1.51 BGN 2.64

-32.45%

Rice (white) (1kg)

$2.82 €2.52

$2.21 BGN 3.88

27.60%

Eggs

$3.03 €2.70

$4.40 BGN 7.69

-31.14%

Local Cheese (1kg)

$8.94 €7.98

$11.56 BGN 20.22

-22.66%

Chicken Fillets (1kg)

$7.27 €6.48

$8.79 BGN 15.38

-17.29%

Beef Round Steak (1kg)

$12.81 €11.43

$16.97 BGN 29.71

-24.51%

Apples (1kg)

$1.34 €1.20

$2.17 BGN 3.79

-38.25%

Banana (1kg)

$1.55 €1.38

$2.04 BGN 3.57

-24.02%

Oranges (1kg)

$1.58 €1.41

$1.84 BGN 3.22

-14.13%

Tomato (1kg)

$3.02 €2.70

$4.29 BGN 7.51

-29.60%

Potato (1kg)

$0.89 €0.80

$1.03 BGN 1.80

-13.59%

Onion (1kg)

$1.30 €1.16

$0.93 BGN 1.62

39.78%

Lettuce (1 head)

$1.52 €1.36

$1.20 BGN 2.11

26.67%

Water (1.5 liter bottle)

$0.93 €0.83

$0.92 BGN 1.62

1.09%

Cigarettes 20 Pack (Marlboro, Camel)

$3.98 €3.55

$4.30 BGN 7.53

-7.44%

Wine (Bottle)

$4.43 €3.96

$7.33 BGN 12.83

-39.56%

Local Beer (0.5 liter bottle)

$1.24 €1.11

$1.18 BGN 2.06

5.08%

Imported Beer (0.33 liter bottle)

$1.72 €1.54

$1.87 BGN 3.28

-8.02%

One-way Ticket (Public Transport)

$1.69 €1.51

$0.87 BGN 1.52

94.25%

Public Transport Monthly Pass (Regular Price)

$45.08 €40.23

$28.14 BGN 49.24

60.20%

Taxi Start (Normal Tariff)

$2.91 €2.60

$1.74 BGN 3.04

67.24%

Taxi (Normal Tariff) (1km)

$1.09 €0.97

$0.96 BGN 1.68

13.54%

Taxi 1hour Waiting (Normal Tariff)

$16.59 €14.81

$15.54 BGN 27.19

6.76%

Gasoline (1 liter)

$1.72 €1.53

$1.79 BGN 3.14

-3.91%

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

$33.0K €29.5K

$30.0K BGN 52.5K

10.21%

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

$20.9K €18.7K

$26.4K BGN 46.1K

-20.62%

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

$131 €117

$156 BGN 273

-15.69%

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

$12.86 €11.48

$21.21 BGN 37.11

-39.37%

Internet (50+ Mbps, Unlimited Data)

$33.38 €29.79

$15.64 BGN 27.37

113.43%

Gym Membership (Monthly)

$55.7 €49.71

$46.76 BGN 81.8

19.14%

Tennis Court (1 Hour on Weekend)

$11.00 €9.81

$27.74 BGN 48.54

-60.35%

Cinema Ticket

$8.00 €7.14

$10.02 BGN 17.53

-20.16%

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

$443 €395

$766 BGN 1,341

-42.19%

International Primary School, 1 Child (Yearly)

$7,028 €6,272

$12.8K BGN 22.4K

-45.03%

Jeans (Levis 501 Or Similar)

$82.5 €73.7

$89.7 BGN 157

-7.97%

Summer Dress (H&M, Zara, etc)

$33.95 €30.30

$40.88 BGN 71.5

-16.95%

Sport Shoes (Adidas, Nike)

$73.9 €65.9

$106 BGN 186

-30.34%

Men's Leather Business Shoes

$94.6 €84.4

$105 BGN 183

-9.65%

1-bedroom Apartment, City Center (Monthly)

$657 €587

$796 BGN 1,393

-17.45%

1-bedroom Apartment, Outside City Center (Monthly)

$395 €353

$607 BGN 1,063

-34.96%

3-bedroom Apartment, City Center (Monthly)

$1,232 €1,100

$1,563 BGN 2,735

-21.17%

3-bedroom Apartment, Outside City Center (Monthly)

$886 €791

$1,060 BGN 1,855

-16.42%

Buy Apartment in City Center (m2)

$3,642 €3,250

$4,357 BGN 7,626

-16.43%

Buy Apartment Outside City Center (m2)

$2,415 €2,155

$3,250 BGN 5,688

-25.69%

Average Monthly Net Salary (After Tax)

$1,037 €926

$1,740 BGN 3,044

-40.37%

20-Year Fixed Mortgage Interest Rate (Annual %)

2.89

73.01%

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

Last update for Herceg Novi: October 6, 2026

Last update for Sofia: October 3, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$395 31.8%

Sofia

$607 37.9% 53.7% $212

Groceries & Markets

Herceg Novi

$225 18.1%

Sofia

$287 17.9% 27.5% $62

Eating Out

Herceg Novi

$186 14.9%

Sofia

$256 16% 37.8% $70

Monthly Utilities & Internet

Herceg Novi

$178 14.3%

Sofia

$193 12% 8.5% $15

Clothing & Footwear

Herceg Novi

$128 10.3%

Sofia

$154 9.6% 19.8% $25

Sport & Entertainment

Herceg Novi

$72 5.8%

Sofia

$67 4.2% 6.8% $4.9

Getting Around

Herceg Novi

$60 4.8%

Sofia

$38 2.4% 36.6% $22

Cost Breakdown

A one-bedroom apartment in the center runs $657 in Herceg Novi and $796 in Sofia. Housing cost is often the main lever when comparing two cities.

Sofia pays 68% 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: $36.00 in Herceg Novi vs $67.0 in Sofia for a mid-range dinner for two. Groceries echo the gap at $225 vs $287 per month, with Herceg Novi cheaper across the board.

Good to know

🇲🇪 Herceg Novi

🇧🇬 Sofia

🕒 Local time

13:13 1:13 PM

14:13 2:13 PM

1 h ahead of Herceg Novi

🌤 Weather

👥 Population

11,059

1,286,383 Capital

💱 Currency

Euro EUR €

Bulgarian Lev BGN лв.

📈 Exchange rate

1 EUR = 1.12 USD

1 BGN = 0.571 USD

1 BGN = 0.51 EUR

Exchange rates and currency converter

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Herceg Novi Sofia 390 km

From you

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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 Sofia: Cost of Living - Frequently Asked Questions

Herceg Novi and Sofia differ by about 28% in total monthly costs ($1,237 vs $1,589 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 68% lower in Sofia. 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: $657 in Herceg Novi versus $796 in Sofia. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 28% higher in Sofia. 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 $36.00 versus $67.0 in Sofia. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,237 in Herceg Novi versus $1,589 in Sofia, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Sofia. 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 Sofia 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 28% less than in Sofia. Beyond cost, consider language, visa policies, and how big the international community is in each city.