Last update: Oct 2026

Cost of Living Comparison Between Kotor and Niksic

For one person, living is cheaper in Niksic: $972 a month against $1,536 in Kotor, rent and utilities included – about $6,800 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
47

Cost of Living Index in Niksic
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Niksic Living Index

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Kotor

🇲🇪 Montenegro

$1,536

/mo nomad

Niksic

🇲🇪 Montenegro

$972

/mo nomad

Monthly Cost of Living

How much you'll spend in Kotor and in Niksic

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

Monthly costs for one person with rent: $1,536 in Kotor versus $972 in Niksic.

Kotor $1,536
Niksic $972

Estimated couple costs with rent: $2,437 in Kotor versus $1,463 in Niksic.

Kotor $2,437
Niksic $1,463

Monthly costs for a family of three with rent: $3,338 in Kotor versus $1,954 in Niksic.

Kotor $3,338
Niksic $1,954

Living in Kotor is roughly 58% more expensive than in Niksic, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Kotor is 13% above, Niksic is 29% below.

Meal at Budget Restaurant

$11.05 €9.90

$7.98 €7.15

38.47%

Three-Course Dinner for Two, Mid-Range

$57.9 €51.9

$30.67 €27.49

88.75%

Fast Food Meal (McDonalds, etc)

$11.11 €9.95

$5.49 €4.92

102.37%

Cappuccino

$3.23 €2.89

$1.73 €1.55

86.71%

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

$2.49 €2.23

$1.85 €1.65

34.59%

Water (0.33 liter bottle)

$1.58 €1.41

$1.10 €0.98

43.64%

Local Beer (0.5 liter draught)

$3.10 €2.78

$1.97 €1.77

57.36%

Imported Beer (0.33 liter bottle)

$4.40 €3.94

$2.19 €1.96

100.91%

Milk (1 liter)

$1.26 €1.13

$1.06 €0.95

18.87%

White Bread (500g)

$0.99 €0.89

$0.90 €0.80

10.00%

Rice (white) (1kg)

$1.91 €1.71

$1.96 €1.76

-2.55%

Eggs

$3.57 €3.20

$3.05 €2.73

17.05%

Local Cheese (1kg)

$8.98 €8.05

$7.37 €6.61

21.85%

Chicken Fillets (1kg)

$8.51 €7.63

$6.07 €5.44

40.20%

Beef Round Steak (1kg)

$12.51 €11.21

$10.82 €9.69

15.62%

Apples (1kg)

$1.34 €1.20

$1.13 €1.02

18.58%

Banana (1kg)

$1.72 €1.54

$1.26 €1.13

36.51%

Oranges (1kg)

$1.55 €1.39

$1.32 €1.18

17.42%

Tomato (1kg)

$2.42 €2.17

$2.08 €1.87

16.35%

Potato (1kg)

$0.93 €0.83

$0.96 €0.86

-3.12%

Onion (1kg)

$1.07 €0.96

$1.02 €0.91

4.90%

Lettuce (1 head)

$1.49 €1.34

$1.01 €0.91

47.52%

Water (1.5 liter bottle)

$0.80 €0.71

$0.85 €0.76

-5.88%

Cigarettes 20 Pack (Marlboro, Camel)

$4.43 €3.97

$4.06 €3.63

9.11%

Wine (Bottle)

$8.99 €8.06

$5.16 €4.62

74.22%

Local Beer (0.5 liter bottle)

$1.09 €0.98

$0.97 €0.87

12.37%

Imported Beer (0.33 liter bottle)

$1.82 €1.63

$1.17 €1.05

55.56%

One-way Ticket (Public Transport)

$1.65 €1.48

$1.14 €1.02

44.74%

Public Transport Monthly Pass (Regular Price)

$45.37 €40.65

$32.88 €29.47

37.99%

Taxi Start (Normal Tariff)

$0.77 €0.69

$0.55 €0.49

40.00%

Taxi (Normal Tariff) (1km)

$1.14 €1.02

$0.55 €0.49

107.27%

Taxi 1hour Waiting (Normal Tariff)

$11.22 €10.05

$7.23 €6.48

55.19%

Gasoline (1 liter)

$1.69 €1.52

$1.75 €1.57

-3.43%

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

$28.0K €25.0K

$21.1K €18.9K

32.41%

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

$23.9K €21.4K

$25.5K €22.8K

-6.31%

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

$127 €114

$118 €106

8.00%

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

$16.92 €15.17

$23.25 €20.83

-27.23%

Internet (50+ Mbps, Unlimited Data)

$32.06 €28.73

$24.08 €21.58

33.14%

Gym Membership (Monthly)

$44.81 €40.16

$32.96 €29.54

35.95%

Tennis Court (1 Hour on Weekend)

$20.22 €18.12

$10.40 €9.32

94.42%

Cinema Ticket

$6.56 €5.88

$5.63 €5.04

16.52%

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

$340 €305

$81.7 €73.2

316.39%

International Primary School, 1 Child (Yearly)

$7,381 €6,614

$4,474 €4,009

64.96%

Jeans (Levis 501 Or Similar)

$85.5 €76.6

$82.5 €73.9

3.64%

Summer Dress (H&M, Zara, etc)

$45.22 €40.52

$31.92 €28.60

41.67%

Sport Shoes (Adidas, Nike)

$97.1 €87.0

$88.2 €79.0

10.15%

Men's Leather Business Shoes

$104 €93.2

$111 €99.7

-6.48%

1-bedroom Apartment, City Center (Monthly)

$659 €591

$411 €369

60.20%

1-bedroom Apartment, Outside City Center (Monthly)

$659 €590

$263 €236

150.03%

3-bedroom Apartment, City Center (Monthly)

$1,327 €1,189

$615 €551

115.73%

3-bedroom Apartment, Outside City Center (Monthly)

$1,321 €1,184

$415 €372

218.14%

Buy Apartment in City Center (m2)

$3,931 €3,523

$1,673 €1,499

134.97%

Buy Apartment Outside City Center (m2)

$2,786 €2,496

$1,191 €1,068

133.83%

Average Monthly Net Salary (After Tax)

$933 €836

$805 €722

15.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

5.5

8.18%

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

Last update for Kotor: October 26, 2026

Last update for Niksic: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Kotor

$659 42.9%

Niksic

$263 27.1% 60% $395

Groceries & Markets

Kotor

$234 15.3%

Niksic

$190 19.6% 18.9% $44

Eating Out

Kotor

$201 13.1%

Niksic

$127 13.1% 36.8% $74

Monthly Utilities & Internet

Kotor

$176 11.5%

Niksic

$165 17% 6.3% $11

Clothing & Footwear

Kotor

$149 9.7%

Niksic

$141 14.5% 5.4% $8.1

Getting Around

Kotor

$58 3.8%

Niksic

$41 4.2% 30.3% $18

Sport & Entertainment

Kotor

$58 3.8%

Niksic

$44 4.6% 23.7% $14

Cost Breakdown

A one-bedroom apartment in the center runs $659 in Kotor and $411 in Niksic. Housing cost is often the main lever when comparing two cities.

Kotor pays 16% 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: $58 in Kotor vs $31 in Niksic for a mid-range dinner for two. Groceries echo the gap at $234 vs $190 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Kotor

🇲🇪 Niksic

🕒 Local time

04:07 4:07 AM

Same time as Kotor

🌤 Weather

👥 Population

13,000

56,970

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Kotor Niksic 41 km

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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 about 37% cheaper overall, especially in eating out, groceries, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 16% higher in Kotor, 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: $659 in Kotor versus $411 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $340 in Kotor versus $82 in Niksic. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 23% higher in Kotor. For households that cook at home regularly, that difference adds up over a month.

At $972 in Niksic versus $1,536 in Kotor, a $1,200 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.

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

Expats usually find Niksic gentler on the wallet – expenses run 37% less than in Kotor. Beyond cost, consider language, visa policies, and how big the international community is in each city.