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

Monthly Cost of Living

Monthly costs for one person with rent: $1,454 in Herceg Novi versus $1,246 in Zabljak.

Estimated couple costs with rent: $2,172 in Herceg Novi versus $1,848 in Zabljak.

Monthly costs for a family of three with rent: $2,889 in Herceg Novi versus $2,451 in Zabljak.

Living in Herceg Novi is roughly 17% more expensive than Zabljak, driven mainly by Clothing & Footwear.

The two cities straddle the global median: Herceg Novi is 9% above, Zabljak is 7% below.

Meal at Budget Restaurant

$11.63 €9.92

$8.14 €6.94

42.87%

Three-Course Dinner for Two, Mid-Range

$38.17 €32.56

$32.49 €27.71

17.48%

Fast Food Meal (McDonalds, etc)

$10.39 €8.86

$6.99 €5.96

48.64%

Cappuccino

$2.54 €2.17

$1.77 €1.51

43.50%

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

$2.96 €2.52

$2.24 €1.91

32.14%

Water (0.33 liter bottle)

$1.88 €1.60

$1.42 €1.21

32.39%

Local Beer (0.5 liter draught)

$2.84 €2.42

$3.23 €2.76

-12.07%

Imported Beer (0.33 liter bottle)

$2.86 €2.44

$3.81 €3.25

-24.93%

Milk (1 liter)

$1.42 €1.21

White Bread (500g)

$0.91 €0.78

$0.66 €0.56

37.88%

Rice (white) (1kg)

$2.55 €2.17

$1.42 €1.21

79.58%

Eggs

$3.15 €2.68

$3.09 €2.64

1.94%

Local Cheese (1kg)

$9.00 €7.68

$7.33 €6.25

22.78%

Chicken Fillets (1kg)

$7.57 €6.46

$7.53 €6.42

0.53%

Beef Round Steak (1kg)

$11.89 €10.15

$11.63 €9.92

2.24%

Apples (1kg)

$1.34 €1.14

$1.24 €1.06

8.06%

Banana (1kg)

$1.65 €1.41

$1.75 €1.49

-5.71%

Oranges (1kg)

$1.66 €1.41

$1.60 €1.37

3.75%

Tomato (1kg)

$2.93 €2.50

$1.53 €1.31

91.50%

Potato (1kg)

$1.12 €0.96

$0.72 €0.62

55.56%

Onion (1kg)

$1.35 €1.15

$0.71 €0.60

90.14%

Lettuce (1 head)

$1.56 €1.33

$0.95 €0.81

64.21%

Water (1.5 liter bottle)

$0.77 €0.66

$1.22 €1.04

-36.89%

Cigarettes 20 Pack (Marlboro, Camel)

$3.85 €3.28

$4.08 €3.48

-5.64%

Wine (Bottle)

$4.61 €3.93

$4.83 €4.12

-4.55%

Local Beer (0.5 liter bottle)

$1.25 €1.07

$1.23 €1.05

1.63%

Imported Beer (0.33 liter bottle)

$1.71 €1.46

$1.79 €1.53

-4.47%

One-way Ticket (Public Transport)

$1.18 €1.01

$1.43 €1.22

-17.48%

Public Transport Monthly Pass (Regular Price)

$60.0 €51.2

$38.21 €32.59

57.05%

Taxi Start (Normal Tariff)

$2.28 €1.94

$1.14 €0.97

100.00%

Taxi (Normal Tariff) (1km)

$0.71 €0.60

$0.59 €0.50

20.34%

Taxi 1hour Waiting (Normal Tariff)

$17.02 €14.52

$17.68 €15.08

-3.73%

Gasoline (1 liter)

$1.69 €1.44

$1.79 €1.52

-5.59%

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

$33.5K €28.5K

$29.9K €25.5K

12.03%

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

$21.9K €18.7K

$26.7K €22.8K

-17.84%

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

$143 €122

$118 €101

20.99%

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

$16.84 €14.37

$18.57 €15.84

-9.32%

Internet (50+ Mbps, Unlimited Data)

$31.36 €26.75

$22.78 €19.43

37.66%

Gym Membership (Monthly)

$56.9 €48.54

$44.86 €38.26

26.86%

Tennis Court (1 Hour on Weekend)

$11.44 €9.76

$14.55 €12.41

-21.37%

Cinema Ticket

$7.95 €6.78

$5.73 €4.89

38.74%

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

$526 €449

$422 €360

24.69%

International Primary School, 1 Child (Yearly)

$7,669 €6,541

$10.1K €8,581

-23.77%

Jeans (Levis 501 Or Similar)

$86.9 €74.1

$22.75 €19.40

281.93%

Summer Dress (H&M, Zara, etc)

$34.55 €29.47

$29.26 €24.96

18.08%

Sport Shoes (Adidas, Nike)

$75.8 €64.6

$59.0 €50.3

28.35%

Men's Leather Business Shoes

$99.3 €84.7

$70.4 €60.0

41.06%

1-bedroom Apartment, City Center (Monthly)

$748 €638

$720 €615

3.82%

1-bedroom Apartment, Outside City Center (Monthly)

$551 €470

$545 €464

1.23%

3-bedroom Apartment, City Center (Monthly)

$1,372 €1,170

$1,278 €1,090

7.30%

3-bedroom Apartment, Outside City Center (Monthly)

$973 €830

$917 €782

6.08%

Buy Apartment in City Center (m2)

$3,650 €3,114

$3,935 €3,357

-7.24%

Buy Apartment Outside City Center (m2)

$2,478 €2,113

$2,628 €2,241

-5.71%

Average Monthly Net Salary (After Tax)

$1,115 €951

$856 €730

30.15%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.93

-15.68%

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

Last update for Herceg Novi: April 21, 2026

Last update for Zabljak: April 21, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $748 in Herceg Novi and $720 in Zabljak. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 30% 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: $38 in Herceg Novi vs $32 in Zabljak for a mid-range dinner for two. Groceries echo the gap at $225 vs $206 per month, with Zabljak 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 Zabljak: Cost of Living - Frequently Asked Questions

Herceg Novi and Zabljak differ by about 17% in total monthly costs ($1,454 vs $1,246 including rent). Zabljak is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Herceg Novi pays 30% more on average, 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: $748 in Herceg Novi versus $720 in Zabljak. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 9% 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 $38.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,246 in Zabljak versus $1,454 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 17% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.