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

Monthly Cost of Living

Monthly costs for one person with rent: $1,569 in Kotor versus $1,450 in Herceg Novi.

Estimated couple costs with rent: $2,511 in Kotor versus $2,139 in Herceg Novi.

Monthly costs for a family of three with rent: $3,454 in Kotor versus $2,829 in Herceg Novi.

Living in Kotor is roughly 8% more expensive than Herceg Novi, driven mainly by Eating Out.

Both cities are pricier than the global median: Kotor 17% above, Herceg Novi 8% above.

Meal at Budget Restaurant

$16.49 €14.20

$11.54 €9.94

42.89%

Three-Course Dinner for Two, Mid-Range

$57.9 €49.85

$37.78 €32.55

53.15%

Fast Food Meal (McDonalds, etc)

$9.43 €8.12

$10.44 €8.99

-9.67%

Cappuccino

$2.68 €2.31

$2.54 €2.19

5.51%

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

$2.28 €1.97

$2.84 €2.44

-19.72%

Water (0.33 liter bottle)

$1.49 €1.29

$1.92 €1.65

-22.40%

Local Beer (0.5 liter draught)

$2.88 €2.48

$2.81 €2.42

2.49%

Imported Beer (0.33 liter bottle)

$3.70 €3.19

$2.81 €2.42

31.67%

Milk (1 liter)

$1.41 €1.22

$1.38 €1.19

2.17%

White Bread (500g)

$1.02 €0.88

$0.95 €0.82

7.37%

Rice (white) (1kg)

$2.40 €2.07

$2.59 €2.24

-7.34%

Eggs

$3.13 €2.70

$3.18 €2.74

-1.57%

Local Cheese (1kg)

$8.90 €7.67

$8.87 €7.64

0.34%

Chicken Fillets (1kg)

$8.14 €7.02

$7.74 €6.67

5.17%

Beef Round Steak (1kg)

$12.05 €10.38

$11.76 €10.14

2.47%

Apples (1kg)

$1.25 €1.08

$1.27 €1.10

-1.57%

Banana (1kg)

$1.82 €1.57

$1.65 €1.42

10.30%

Oranges (1kg)

$1.60 €1.38

Tomato (1kg)

$2.57 €2.21

$2.88 €2.48

-10.76%

Potato (1kg)

$0.96 €0.83

$1.09 €0.94

-11.93%

Onion (1kg)

$1.10 €0.95

$1.42 €1.23

-22.54%

Lettuce (1 head)

$1.72 €1.48

$1.51 €1.31

13.91%

Water (1.5 liter bottle)

$0.80 €0.69

$0.76 €0.65

5.26%

Cigarettes 20 Pack (Marlboro, Camel)

$4.21 €3.62

$3.67 €3.16

14.71%

Wine (Bottle)

$6.51 €5.61

$4.63 €3.99

40.60%

Local Beer (0.5 liter bottle)

$1.28 €1.10

$1.19 €1.03

7.56%

Imported Beer (0.33 liter bottle)

$1.85 €1.60

$1.79 €1.54

3.35%

One-way Ticket (Public Transport)

$1.46 €1.26

$1.15 €0.99

26.96%

Public Transport Monthly Pass (Regular Price)

$37.30 €32.14

$58.4 €50.3

-36.13%

Taxi Start (Normal Tariff)

$0.67 €0.58

$2.28 €1.96

-70.61%

Taxi (Normal Tariff) (1km)

$1.07 €0.92

$0.74 €0.64

44.59%

Taxi 1hour Waiting (Normal Tariff)

$11.77 €10.14

$17.65 €15.21

-33.31%

Gasoline (1 liter)

$1.67 €1.44

$1.70 €1.46

-1.76%

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

$28.9K €24.9K

$33.1K €28.6K

-12.84%

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

$26.9K €23.1K

$22.2K €19.1K

20.93%

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

$125 €108

$142 €123

-12.13%

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

$18.06 €15.56

$17.08 €14.72

5.74%

Internet (50+ Mbps, Unlimited Data)

$32.58 €28.07

$31.16 €26.84

4.56%

Gym Membership (Monthly)

$44.84 €38.64

$58.2 €50.1

-22.93%

Tennis Court (1 Hour on Weekend)

$14.54 €12.53

$11.70 €10.08

24.27%

Cinema Ticket

$5.68 €4.90

$7.94 €6.84

-28.46%

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

$281 €242

$530 €457

-47.00%

International Primary School, 1 Child (Yearly)

$7,488 €6,452

$7,724 €6,655

-3.06%

Jeans (Levis 501 Or Similar)

$83.9 €72.3

$85.2 €73.4

-1.48%

Summer Dress (H&M, Zara, etc)

$45.46 €39.17

$35.37 €30.48

28.53%

Sport Shoes (Adidas, Nike)

$95.2 €82.0

$75.3 €64.9

26.49%

Men's Leather Business Shoes

$110 €95.1

$97.3 €83.8

13.51%

1-bedroom Apartment, City Center (Monthly)

$703 €606

$739 €637

-4.90%

1-bedroom Apartment, Outside City Center (Monthly)

$670 €577

$553 €477

21.07%

3-bedroom Apartment, City Center (Monthly)

$1,243 €1,071

$1,356 €1,168

-8.37%

3-bedroom Apartment, Outside City Center (Monthly)

$1,349 €1,163

$974 €839

38.56%

Buy Apartment in City Center (m2)

$3,959 €3,411

$3,702 €3,189

6.94%

Buy Apartment Outside City Center (m2)

$2,886 €2,487

$2,535 €2,184

13.84%

Average Monthly Net Salary (After Tax)

$987 €850

$1,099 €947

-10.20%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.93

18.60%

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

Last update for Kotor: June 9, 2026

Last update for Herceg Novi: June 8, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $703 in Kotor and $739 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 11% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $58.0 in Kotor vs $38.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $231 vs $224 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

Kotor vs Herceg Novi: Cost of Living - Frequently Asked Questions

Kotor and Herceg Novi differ by about 8% in total monthly costs ($1,569 vs $1,450 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, Herceg Novi earns 11% 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: $703 in Kotor versus $739 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 3% higher in Kotor. 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 $38.00 versus $58.0 in Kotor. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,450 in Herceg Novi versus $1,569 in Kotor, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Kotor. 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, Kotor and Herceg Novi 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 8% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.