Last update: Oct 2026

Cost of Living Comparison Between Herceg Novi and Zabljak

For one person, living is cheaper in Zabljak: $1,128 a month against $1,257 in Herceg Novi, rent and utilities included – about $1,500 less a year. The total is higher in Herceg Novi despite lower rent and utilities.

61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index
55

Cost of Living Index in Zabljak
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Zabljak Living Index

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Herceg Novi

🇲🇪 Montenegro

$1,257

/mo nomad

Zabljak

🇲🇪 Montenegro

$1,128

/mo nomad

Monthly Cost of Living

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

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

Monthly costs for one person with rent: $1,257 in Herceg Novi versus $1,128 in Zabljak.

Herceg Novi $1,257
Zabljak $1,128

Estimated couple costs with rent: $1,997 in Herceg Novi versus $1,769 in Zabljak.

Herceg Novi $1,997
Zabljak $1,769

Monthly costs for a family of three with rent: $2,737 in Herceg Novi versus $2,410 in Zabljak.

Herceg Novi $2,737
Zabljak $2,410

Living in Herceg Novi is roughly 11% more expensive than in Zabljak, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Herceg Novi 7% lower, Zabljak 17% lower.

Meal at Budget Restaurant

$11.23 €9.99

$7.95 €7.08

41.26%

Three-Course Dinner for Two, Mid-Range

$36.29 €32.28

$31.82 €28.30

14.05%

Fast Food Meal (McDonalds, etc)

$9.16 €8.15

$6.55 €5.82

39.85%

Cappuccino

$2.65 €2.36

$1.63 €1.45

62.58%

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

$2.50 €2.23

$2.24 €2.00

11.61%

Water (0.33 liter bottle)

$1.63 €1.45

$1.45 €1.29

12.41%

Local Beer (0.5 liter draught)

$2.84 €2.53

$3.00 €2.66

-5.33%

Imported Beer (0.33 liter bottle)

$3.34 €2.97

$3.54 €3.15

-5.65%

Milk (1 liter)

$1.20 €1.07

$1.27 €1.13

-5.51%

White Bread (500g)

$1.01 €0.90

$0.65 €0.57

55.38%

Rice (white) (1kg)

$2.93 €2.61

$1.31 €1.17

123.66%

Eggs

$2.98 €2.65

$2.97 €2.64

0.34%

Local Cheese (1kg)

$9.02 €8.02

$7.08 €6.30

27.40%

Chicken Fillets (1kg)

$7.43 €6.61

$7.22 €6.42

2.91%

Beef Round Steak (1kg)

$12.99 €11.56

$12.23 €10.88

6.21%

Apples (1kg)

$1.33 €1.18

$1.32 €1.17

0.76%

Banana (1kg)

$1.57 €1.39

$1.67 €1.49

-5.99%

Oranges (1kg)

$1.63 €1.45

$1.51 €1.34

7.95%

Tomato (1kg)

$2.96 €2.63

$1.41 €1.26

109.93%

Potato (1kg)

$0.95 €0.85

$0.65 €0.58

46.15%

Onion (1kg)

$1.29 €1.15

$0.70 €0.62

84.29%

Lettuce (1 head)

$1.54 €1.37

$0.91 €0.81

69.23%

Water (1.5 liter bottle)

$0.95 €0.85

$0.96 €0.86

-1.04%

Cigarettes 20 Pack (Marlboro, Camel)

$4.00 €3.56

$4.01 €3.57

-0.25%

Wine (Bottle)

$4.37 €3.89

$4.41 €3.92

-0.91%

Local Beer (0.5 liter bottle)

$1.28 €1.14

$1.07 €0.95

19.63%

Imported Beer (0.33 liter bottle)

$1.74 €1.55

$1.73 €1.54

0.58%

One-way Ticket (Public Transport)

$1.64 €1.46

$1.63 €1.45

0.61%

Public Transport Monthly Pass (Regular Price)

$44.46 €39.55

$39.55 €35.18

12.41%

Taxi Start (Normal Tariff)

$2.84 €2.53

$1.14 €1.02

149.12%

Taxi (Normal Tariff) (1km)

$1.10 €0.97

$0.64 €0.57

71.88%

Taxi 1hour Waiting (Normal Tariff)

$17.09 €15.20

$17.00 €15.12

0.53%

Gasoline (1 liter)

$1.72 €1.53

$1.77 €1.57

-2.82%

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

$32.3K €28.8K

$29.3K €26.1K

10.25%

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

$21.4K €19.0K

$25.6K €22.7K

-16.32%

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

$136 €121

$113 €101

20.31%

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

$13.14 €11.69

$15.02 €13.36

-12.52%

Internet (50+ Mbps, Unlimited Data)

$33.88 €30.14

$22.02 €19.58

53.86%

Gym Membership (Monthly)

$56.6 €50.3

$46.30 €41.18

22.18%

Tennis Court (1 Hour on Weekend)

$11.39 €10.13

$14.72 €13.10

-22.62%

Cinema Ticket

$7.81 €6.94

$6.21 €5.53

25.76%

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

$444 €395

$392 €349

13.13%

International Primary School, 1 Child (Yearly)

$7,024 €6,248

$9,812 €8,728

-28.41%

Jeans (Levis 501 Or Similar)

$84.3 €75.0

$22.65 €20.15

272.01%

Summer Dress (H&M, Zara, etc)

$33.74 €30.01

$27.47 €24.43

22.82%

Sport Shoes (Adidas, Nike)

$72.7 €64.7

$55.0 €48.89

32.24%

Men's Leather Business Shoes

$95.8 €85.2

$67.7 €60.2

41.49%

1-bedroom Apartment, City Center (Monthly)

$651 €579

$645 €573

1.00%

1-bedroom Apartment, Outside City Center (Monthly)

$399 €355

$455 €405

-12.34%

3-bedroom Apartment, City Center (Monthly)

$1,257 €1,118

$1,277 €1,135

-1.56%

3-bedroom Apartment, Outside City Center (Monthly)

$888 €790

$937 €834

-5.21%

Buy Apartment in City Center (m2)

$3,685 €3,278

$3,324 €2,956

10.87%

Buy Apartment Outside City Center (m2)

$2,421 €2,153

$2,357 €2,097

2.69%

Average Monthly Net Salary (After Tax)

$1,031 €917

$801 €713

28.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

-15.97%

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

Last update for Herceg Novi: October 19, 2026

Last update for Zabljak: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Herceg Novi

$399 31.7%

Zabljak

$455 40.3% 14.1% $56

Groceries & Markets

Herceg Novi

$228 18.1%

Zabljak

$196 17.4% 13.9% $32

Eating Out

Herceg Novi

$187 14.8%

Zabljak

$140 12.4% 25.1% $47

Monthly Utilities & Internet

Herceg Novi

$183 14.6%

Zabljak

$150 13.3% 18% $33

Clothing & Footwear

Herceg Novi

$129 10.3%

Zabljak

$78 6.9% 39.7% $51

Sport & Entertainment

Herceg Novi

$72 5.7%

Zabljak

$59 5.2% 18.6% $13

Getting Around

Herceg Novi

$59 4.7%

Zabljak

$50 4.5% 15.1% $8.9

Cost Breakdown

A one-bedroom apartment in the center runs $651 in Herceg Novi and $645 in Zabljak. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 29% 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 $32.00 in Zabljak for a mid-range dinner for two. Groceries echo the gap at $228 vs $196 per month, with Zabljak cheaper across the board.

Good to know

🇲🇪 Herceg Novi

🇲🇪 Zabljak

🕒 Local time

05:31 5:31 AM

Same time as Herceg Novi

🌤 Weather

👥 Population

11,059

1,900

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Herceg Novi Zabljak 92 km

From you

Herceg Novi
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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 Zabljak: Cost of Living - Frequently Asked Questions

Herceg Novi and Zabljak differ by about 11% in total monthly costs ($1,257 vs $1,128 including rent). Zabljak is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 29% 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: $651 in Herceg Novi versus $645 in Zabljak. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Herceg Novi. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Zabljak – a meal for two runs $32.00 versus $36.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,128 in Zabljak versus $1,257 in Herceg Novi, a $2,000 budget is realistic in Zabljak but tight or insufficient in Herceg Novi. The gap between the two cities makes Zabljak 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 Zabljak 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 Zabljak gentler on the wallet – expenses run 11% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.