Last update: Oct 2026

Cost of Living Comparison Between Kotor and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,255 a month against $1,536 in Kotor, rent and utilities included – about $3,400 less a year. Rent and utilities account for most of the difference.

73

Cost of Living Index in Kotor
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Kotor Living Index
60

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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Kotor

🇲🇪 Montenegro

$1,536

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,255

/mo nomad

Monthly Cost of Living

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

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Kotor and in Herceg Novi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,536 in Kotor versus $1,255 in Herceg Novi.

Kotor $1,536
Herceg Novi $1,255

Estimated couple costs with rent: $2,437 in Kotor versus $1,980 in Herceg Novi.

Kotor $2,437
Herceg Novi $1,980

Monthly costs for a family of three with rent: $3,338 in Kotor versus $2,705 in Herceg Novi.

Kotor $3,338
Herceg Novi $2,705

Living in Kotor is roughly 22% more expensive than in Herceg Novi, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Kotor is 13% above, Herceg Novi is 8% below.

Meal at Budget Restaurant

$11.05 €9.90

$11.36 €10.18

-2.73%

Three-Course Dinner for Two, Mid-Range

$57.9 €51.9

$36.63 €32.82

58.04%

Fast Food Meal (McDonalds, etc)

$11.11 €9.95

$9.15 €8.20

21.42%

Cappuccino

$3.23 €2.89

$2.55 €2.28

26.67%

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

$2.49 €2.23

$2.46 €2.21

1.22%

Water (0.33 liter bottle)

$1.58 €1.41

$1.61 €1.44

-1.86%

Local Beer (0.5 liter draught)

$3.10 €2.78

$2.75 €2.46

12.73%

Imported Beer (0.33 liter bottle)

$4.40 €3.94

$3.26 €2.92

34.97%

Milk (1 liter)

$1.26 €1.13

$1.20 €1.07

5.00%

White Bread (500g)

$0.99 €0.89

$0.93 €0.84

6.45%

Rice (white) (1kg)

$1.91 €1.71

$2.94 €2.63

-35.03%

Eggs

$3.57 €3.20

$2.97 €2.67

20.20%

Local Cheese (1kg)

$8.98 €8.05

$8.83 €7.91

1.70%

Chicken Fillets (1kg)

$8.51 €7.63

$7.19 €6.44

18.36%

Beef Round Steak (1kg)

$12.51 €11.21

$12.60 €11.29

-0.71%

Apples (1kg)

$1.34 €1.20

Banana (1kg)

$1.72 €1.54

$1.51 €1.36

13.91%

Oranges (1kg)

$1.55 €1.39

Tomato (1kg)

$2.42 €2.17

$2.97 €2.66

-18.52%

Potato (1kg)

$0.93 €0.83

$0.88 €0.79

5.68%

Onion (1kg)

$1.07 €0.96

$1.29 €1.16

-17.05%

Lettuce (1 head)

$1.49 €1.34

$1.46 €1.31

2.05%

Water (1.5 liter bottle)

$0.80 €0.71

$0.94 €0.85

-14.89%

Cigarettes 20 Pack (Marlboro, Camel)

$4.43 €3.97

$3.82 €3.42

15.97%

Wine (Bottle)

$8.99 €8.06

$4.35 €3.90

106.67%

Local Beer (0.5 liter bottle)

$1.09 €0.98

$1.22 €1.10

-10.66%

Imported Beer (0.33 liter bottle)

$1.82 €1.63

$1.73 €1.55

5.20%

One-way Ticket (Public Transport)

$1.65 €1.48

$1.63 €1.46

1.23%

Public Transport Monthly Pass (Regular Price)

$45.37 €40.65

$44.07 €39.49

2.95%

Taxi Start (Normal Tariff)

$0.77 €0.69

$2.96 €2.65

-73.99%

Taxi (Normal Tariff) (1km)

$1.14 €1.02

$1.10 €0.98

3.64%

Taxi 1hour Waiting (Normal Tariff)

$11.22 €10.05

$16.88 €15.13

-33.53%

Gasoline (1 liter)

$1.69 €1.52

$1.71 €1.53

-1.17%

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

$28.0K €25.0K

$32.6K €29.2K

-14.21%

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

$23.9K €21.4K

$21.1K €18.9K

13.34%

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

$127 €114

$132 €118

-3.19%

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

$16.92 €15.17

$12.90 €11.56

31.16%

Internet (50+ Mbps, Unlimited Data)

$32.06 €28.73

$33.39 €29.92

-3.98%

Gym Membership (Monthly)

$44.81 €40.16

$55.8 €50.0

-19.72%

Tennis Court (1 Hour on Weekend)

$20.22 €18.12

$11.10 €9.95

82.16%

Cinema Ticket

$6.56 €5.88

$7.69 €6.89

-14.69%

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

$340 €305

$444 €398

-23.49%

International Primary School, 1 Child (Yearly)

$7,381 €6,614

$7,034 €6,304

4.92%

Jeans (Levis 501 Or Similar)

$85.5 €76.6

$83.8 €75.1

2.02%

Summer Dress (H&M, Zara, etc)

$45.22 €40.52

$33.75 €30.25

33.99%

Sport Shoes (Adidas, Nike)

$97.1 €87.0

$72.6 €65.0

33.82%

Men's Leather Business Shoes

$104 €93.2

$93.7 €83.9

11.05%

1-bedroom Apartment, City Center (Monthly)

$659 €591

$659 €590

0.05%

1-bedroom Apartment, Outside City Center (Monthly)

$659 €590

$411 €368

60.43%

3-bedroom Apartment, City Center (Monthly)

$1,327 €1,189

$1,255 €1,124

5.77%

3-bedroom Apartment, Outside City Center (Monthly)

$1,321 €1,184

$879 €788

50.25%

Buy Apartment in City Center (m2)

$3,931 €3,523

$3,651 €3,271

7.68%

Buy Apartment Outside City Center (m2)

$2,786 €2,496

$2,351 €2,107

18.47%

Average Monthly Net Salary (After Tax)

$933 €836

$1,040 €932

-10.34%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

19.00%

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

Last update for Kotor: October 26, 2026

Last update for Herceg Novi: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Kotor

$659 42.9%

Herceg Novi

$411 32.7% 37.7% $248

Groceries & Markets

Kotor

$234 15.3%

Herceg Novi

$223 17.8% 5% $12

Eating Out

Kotor

$201 13.1%

Herceg Novi

$186 14.8% 7.7% $15

Monthly Utilities & Internet

Kotor

$176 11.5%

Herceg Novi

$178 14.2% 0.9% $1.5

Clothing & Footwear

Kotor

$149 9.7%

Herceg Novi

$128 10.2% 14.5% $22

Getting Around

Kotor

$58 3.8%

Herceg Novi

$59 4.7% 1.1% $0.6

Sport & Entertainment

Kotor

$58 3.8%

Herceg Novi

$71 5.7% 22.9% $13

Cost Breakdown

A one-bedroom apartment in the center runs $659 in Kotor and $659 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 12% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $58 in Kotor vs $37 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $234 vs $223 per month, with Herceg Novi cheaper across the board.

Good to know

🇲🇪 Kotor

🇲🇪 Herceg Novi

🕒 Local time

04:16 4:16 AM

Same time as Kotor

🌤 Weather

👥 Population

13,000

11,059

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Kotor Herceg Novi 19 km

From you

Kotor
Herceg Novi

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

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

Total monthly costs including rent come to $1,536 in Kotor and $1,255 in Herceg Novi, so Herceg Novi is about 18% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 10% lower in Kotor. 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: $659 in Kotor versus $659 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 5% 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 $37 versus $58 in Kotor. If you eat out regularly, this makes a real dent in your monthly spending.

Either city works on $2,000 a month, though Herceg Novi gives you more room to save. At this income level, the choice is more about lifestyle than financial pressure.

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 both considered safe, so it’s unlikely to be the deciding factor between them.