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

Monthly Cost of Living

Monthly costs for one person with rent: $1,433 in Herceg Novi versus $1,625 in Tivat.

Estimated couple costs with rent: $2,138 in Herceg Novi versus $2,416 in Tivat.

Monthly costs for a family of three with rent: $2,842 in Herceg Novi versus $3,208 in Tivat.

Living in Herceg Novi costs roughly 12% less than in Tivat, driven mainly by Clothing & Footwear.

Both cities are pricier than the global median: Herceg Novi 7% above, Tivat 21% above.

Meal at Budget Restaurant

$11.79 €10.14

$14.16 €12.18

-16.74%

Three-Course Dinner for Two, Mid-Range

$37.10 €31.92

$46.91 €40.35

-20.91%

Fast Food Meal (McDonalds, etc)

$10.30 €8.86

$9.83 €8.46

4.78%

Cappuccino

$2.63 €2.26

$2.94 €2.53

-10.54%

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

$2.83 €2.44

$2.14 €1.84

32.24%

Water (0.33 liter bottle)

$1.93 €1.66

$1.40 €1.20

37.86%

Local Beer (0.5 liter draught)

$2.95 €2.53

$2.97 €2.55

-0.67%

Imported Beer (0.33 liter bottle)

$2.95 €2.54

$3.56 €3.07

-17.13%

Milk (1 liter)

$1.41 €1.21

$1.44 €1.24

-2.08%

White Bread (500g)

$0.91 €0.79

$1.09 €0.94

-16.51%

Rice (white) (1kg)

$2.61 €2.24

$2.40 €2.06

8.75%

Eggs

$3.23 €2.78

Local Cheese (1kg)

$8.90 €7.66

$9.23 €7.94

-3.58%

Chicken Fillets (1kg)

$7.71 €6.64

$8.03 €6.91

-3.99%

Beef Round Steak (1kg)

$11.74 €10.10

$11.58 €9.96

1.38%

Apples (1kg)

$1.27 €1.09

$1.52 €1.31

-16.45%

Banana (1kg)

$1.68 €1.45

$1.80 €1.54

-6.67%

Oranges (1kg)

$1.64 €1.41

$1.69 €1.45

-2.96%

Tomato (1kg)

$3.04 €2.62

$2.92 €2.51

4.11%

Potato (1kg)

$1.14 €0.98

$1.07 €0.92

6.54%

Onion (1kg)

$1.41 €1.21

$1.18 €1.02

19.49%

Lettuce (1 head)

$1.52 €1.31

$1.87 €1.61

-18.72%

Water (1.5 liter bottle)

$0.76 €0.66

$1.19 €1.02

-36.13%

Cigarettes 20 Pack (Marlboro, Camel)

$3.85 €3.31

$4.19 €3.61

-8.11%

Wine (Bottle)

$4.57 €3.93

$5.76 €4.95

-20.66%

Local Beer (0.5 liter bottle)

$1.25 €1.08

$1.29 €1.11

-3.10%

Imported Beer (0.33 liter bottle)

$1.72 €1.48

$1.86 €1.60

-7.53%

One-way Ticket (Public Transport)

$1.19 €1.03

$1.71 €1.47

-30.41%

Public Transport Monthly Pass (Regular Price)

$58.2 €50.1

$40.47 €34.81

43.81%

Taxi Start (Normal Tariff)

$2.38 €2.04

$1.17 €1.01

103.42%

Taxi (Normal Tariff) (1km)

$0.70 €0.60

$1.02 €0.88

-31.37%

Taxi 1hour Waiting (Normal Tariff)

$17.51 €15.06

$11.54 €9.93

51.73%

Gasoline (1 liter)

$1.77 €1.53

$1.77 €1.52

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

$32.9K €28.3K

$29.3K €25.2K

12.32%

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

$22.3K €19.2K

$29.1K €25.0K

-23.29%

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

$138 €119

$143 €123

-3.92%

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

$16.74 €14.40

$18.10 €15.57

-7.51%

Internet (50+ Mbps, Unlimited Data)

$31.48 €27.08

$32.86 €28.27

-4.20%

Gym Membership (Monthly)

$58.5 €50.3

$52.8 €45.44

10.72%

Tennis Court (1 Hour on Weekend)

$11.53 €9.92

$15.74 €13.54

-26.75%

Cinema Ticket

$7.94 €6.83

$5.82 €5.00

36.43%

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

$515 €443

$423 €364

21.86%

International Primary School, 1 Child (Yearly)

$7,897 €6,793

$10.2K €8,735

-22.24%

Jeans (Levis 501 Or Similar)

$85.6 €73.7

$82.5 €71.0

3.77%

Summer Dress (H&M, Zara, etc)

$34.95 €30.07

$38.39 €33.02

-8.96%

Sport Shoes (Adidas, Nike)

$76.1 €65.4

$109 €93.9

-30.33%

Men's Leather Business Shoes

$97.5 €83.9

$129 €111

-24.19%

1-bedroom Apartment, City Center (Monthly)

$760 €653

$1,060 €912

-28.36%

1-bedroom Apartment, Outside City Center (Monthly)

$550 €473

$689 €593

-20.10%

3-bedroom Apartment, City Center (Monthly)

$1,385 €1,192

$2,083 €1,792

-33.51%

3-bedroom Apartment, Outside City Center (Monthly)

$993 €854

$1,162 €999

-14.54%

Buy Apartment in City Center (m2)

$3,821 €3,287

$6,151 €5,291

-37.88%

Buy Apartment Outside City Center (m2)

$2,603 €2,239

$2,798 €2,407

-6.98%

Average Monthly Net Salary (After Tax)

$1,082 €931

$1,250 €1,075

-13.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.73

-12.74%

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

Last update for Herceg Novi: June 1, 2026

Last update for Tivat: June 1, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $760 in Herceg Novi and $1,060 in Tivat. Housing cost is often the main lever when comparing two cities.

Tivat pays 16% 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 $47.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $226 vs $239 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 Tivat: Cost of Living - Frequently Asked Questions

Herceg Novi and Tivat differ by about 13% in total monthly costs ($1,433 vs $1,625 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Tivat earns 16% less. 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: $760 in Herceg Novi versus $1,060 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 6% higher in Tivat. 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 $37.00 versus $47.00 in Tivat. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,433 in Herceg Novi versus $1,625 in Tivat, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Tivat. 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 Tivat 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 13% less than in Tivat. Beyond cost, consider language, visa policies, and how big the international community is in each city.