Cost of Living Comparison Between Kotor and Niksic Cost of Living Comparison Between Kotor and Niksic

Monthly Cost of Living

Monthly costs for one person with rent: $1,538 in Kotor versus $966 in Niksic.

Estimated couple costs with rent: $2,448 in Kotor versus $1,481 in Niksic.

Monthly costs for a family of three with rent: $3,359 in Kotor versus $1,996 in Niksic.

Living in Kotor is roughly 59% more expensive than Niksic, driven mainly by Eating Out.

The two cities straddle the global median: Kotor is 15% above, Niksic is 28% below.

Meal at Budget Restaurant

$16.26 €13.88

$7.91 €6.76

105.56%

Three-Course Dinner for Two, Mid-Range

$58.9 €50.3

$31.82 €27.17

85.23%

Fast Food Meal (McDonalds, etc)

$9.29 €7.94

$5.88 €5.02

57.99%

Cappuccino

$2.63 €2.24

$1.69 €1.45

55.62%

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

$2.27 €1.94

$1.89 €1.62

20.11%

Water (0.33 liter bottle)

$1.47 €1.26

$1.13 €0.97

30.09%

Local Beer (0.5 liter draught)

$2.88 €2.46

$2.06 €1.76

39.81%

Imported Beer (0.33 liter bottle)

$3.81 €3.25

$2.38 €2.03

60.08%

Milk (1 liter)

$1.41 €1.21

$1.12 €0.96

25.89%

White Bread (500g)

$1.00 €0.85

$0.91 €0.77

9.89%

Rice (white) (1kg)

$2.38 €2.04

$2.05 €1.75

16.10%

Eggs

$3.13 €2.67

$3.10 €2.65

0.97%

Local Cheese (1kg)

$8.82 €7.54

$7.50 €6.40

17.60%

Chicken Fillets (1kg)

$8.11 €6.92

$6.21 €5.30

30.60%

Beef Round Steak (1kg)

$11.87 €10.14

$10.60 €9.05

11.98%

Apples (1kg)

$1.24 €1.06

$1.25 €1.07

-0.80%

Banana (1kg)

$1.75 €1.49

$1.38 €1.18

26.81%

Oranges (1kg)

$1.59 €1.36

$1.50 €1.28

6.00%

Tomato (1kg)

$2.54 €2.17

$2.09 €1.79

21.53%

Potato (1kg)

$1.01 €0.87

$1.04 €0.89

-2.88%

Onion (1kg)

$1.15 €0.99

$1.09 €0.93

5.50%

Lettuce (1 head)

$1.72 €1.47

$1.08 €0.93

59.26%

Water (1.5 liter bottle)

$0.81 €0.69

$0.85 €0.73

-4.71%

Cigarettes 20 Pack (Marlboro, Camel)

$4.16 €3.56

$4.22 €3.61

-1.42%

Wine (Bottle)

$6.39 €5.45

$5.13 €4.38

24.56%

Local Beer (0.5 liter bottle)

$1.29 €1.10

$0.97 €0.83

32.99%

Imported Beer (0.33 liter bottle)

$1.88 €1.60

$1.16 €0.99

62.07%

One-way Ticket (Public Transport)

$1.49 €1.27

$1.19 €1.02

25.21%

Public Transport Monthly Pass (Regular Price)

$37.48 €32.01

$35.33 €30.17

6.09%

Taxi Start (Normal Tariff)

$0.67 €0.57

$0.60 €0.52

11.67%

Taxi (Normal Tariff) (1km)

$1.06 €0.91

$0.53 €0.46

100.00%

Taxi 1hour Waiting (Normal Tariff)

$11.76 €10.04

$7.41 €6.33

58.70%

Gasoline (1 liter)

$1.73 €1.48

$1.69 €1.45

2.37%

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

$29.3K €25.0K

$21.6K €18.4K

35.78%

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

$26.4K €22.5K

$27.1K €23.2K

-2.75%

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

$126 €108

-0.19%

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

$18.67 €15.95

$23.97 €20.47

-22.11%

Internet (50+ Mbps, Unlimited Data)

$31.76 €27.12

$24.81 €21.19

28.01%

Gym Membership (Monthly)

$44.20 €37.74

$34.51 €29.47

28.08%

Tennis Court (1 Hour on Weekend)

$14.39 €12.29

$10.66 €9.10

34.99%

Cinema Ticket

$5.83 €4.98

$5.66 €4.83

3.00%

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

$289 €247

$85.4 €72.9

238.88%

International Primary School, 1 Child (Yearly)

$7,608 €6,497

$4,696 €4,010

62.02%

Jeans (Levis 501 Or Similar)

$84.1 €71.9

$84.3 €72.0

-0.24%

Summer Dress (H&M, Zara, etc)

$44.55 €38.04

$32.42 €27.69

37.42%

Sport Shoes (Adidas, Nike)

$95.0 €81.1

$94.0 €80.3

1.02%

Men's Leather Business Shoes

$113 €96.2

$115 €98.1

-1.90%

1-bedroom Apartment, City Center (Monthly)

$706 €603

$374 €319

88.88%

1-bedroom Apartment, Outside City Center (Monthly)

$672 €574

$230 €196

192.88%

3-bedroom Apartment, City Center (Monthly)

$1,247 €1,065

$540 €461

131.16%

3-bedroom Apartment, Outside City Center (Monthly)

$1,346 €1,150

$370 €316

263.88%

Buy Apartment in City Center (m2)

$4,039 €3,450

$1,372 €1,172

194.36%

Buy Apartment Outside City Center (m2)

$2,935 €2,506

$989 €845

196.76%

Average Monthly Net Salary (After Tax)

$988 €843

$833 €712

18.54%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.93

5.5

7.82%

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

Last update for Kotor: April 26, 2026

Last update for Niksic: April 25, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $706 in Kotor and $374 in Niksic. Housing cost is often the main lever when comparing two cities.

Kotor pays 19% 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: $59.0 in Kotor vs $32.00 in Niksic for a mid-range dinner for two. Groceries echo the gap at $229 vs $195 per month, with Niksic 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 Niksic: Cost of Living - Frequently Asked Questions

Niksic is cheaper overall, especially in Groceries & Markets, Eating Out, Clothing & Footwear, Sport & Entertainment, Monthly Utilities & Internet. The 59% gap adds up to real monthly savings that compound significantly over time.

Kotor pays 19% 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: $706 in Kotor versus $374 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $289 in Kotor versus $85.4 in Niksic. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 18% higher in Kotor. For households that cook at home regularly, that difference adds up over a month.

At $966 in Niksic versus $1,538 in Kotor, a $2,000 budget is realistic in Niksic but tight or insufficient in Kotor. The gap between the two cities makes Niksic the clear choice for anyone on this budget.

For families, Niksic is more practical. Housing and childcare are both notably cheaper than in Kotor, and the savings on those two alone free up budget for education, activities, and family trips.

Safety-wise, Kotor and Niksic 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 Niksic gentler on the wallet – expenses run 59% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.