Last update: Oct 2026

Cost of Living Comparison Between London and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,237 a month against $4,086 in London, rent and utilities included – about $34,200 less a year. Rent and utilities account for most of the difference.

196

Cost of Living Index in London
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London Living Index
61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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London

🇬🇧 United Kingdom

$4,086

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,237

/mo nomad

Monthly Cost of Living

How much you'll spend in London 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 London and in Herceg Novi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $4,086 in London versus $1,237 in Herceg Novi.

London $4,086
Herceg Novi $1,237

Estimated couple costs with rent: $5,816 in London versus $1,973 in Herceg Novi.

London $5,816
Herceg Novi $1,973

Monthly costs for a family of three with rent: $7,546 in London versus $2,710 in Herceg Novi.

London $7,546
Herceg Novi $2,710

Living in London is roughly 230% more expensive than in Herceg Novi, and outside of rent the biggest gap is in transport.

The two cities straddle the global median: London is 205% above, Herceg Novi is 8% below.

Meal at Budget Restaurant

$26.62 £20.11

$11.23 €10.02

137.04%

Three-Course Dinner for Two, Mid-Range

$108 £81.3

$36.34 €32.43

196.06%

Fast Food Meal (McDonalds, etc)

$10.39 £7.85

$9.19 €8.20

13.06%

Cappuccino

$5.79 £4.38

$2.59 €2.31

123.55%

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

$3.01 £2.27

$2.47 €2.20

21.86%

Water (0.33 liter bottle)

$2.15 £1.63

$1.64 €1.46

31.10%

Local Beer (0.5 liter draught)

$9.35 £7.06

$2.82 €2.52

231.56%

Imported Beer (0.33 liter bottle)

$7.84 £5.93

$3.39 €3.02

131.27%

Milk (1 liter)

$1.79 £1.35

$1.16 €1.04

54.31%

White Bread (500g)

$2.06 £1.56

$1.02 €0.91

101.96%

Rice (white) (1kg)

$2.31 £1.74

$2.82 €2.52

-18.09%

Eggs

$5.05 £3.82

$3.03 €2.70

66.67%

Local Cheese (1kg)

$12.57 £9.50

$8.94 €7.98

40.60%

Chicken Fillets (1kg)

$10.66 £8.05

$7.27 €6.48

46.63%

Beef Round Steak (1kg)

$17.13 £12.94

$12.81 €11.43

33.72%

Apples (1kg)

$3.03 £2.29

$1.34 €1.20

126.12%

Banana (1kg)

$1.41 £1.07

$1.55 €1.38

-9.03%

Oranges (1kg)

$3.05 £2.31

$1.58 €1.41

93.04%

Tomato (1kg)

$3.38 £2.56

$3.02 €2.70

11.92%

Potato (1kg)

$1.67 £1.26

$0.89 €0.80

87.64%

Onion (1kg)

$1.73 £1.31

$1.30 €1.16

33.08%

Lettuce (1 head)

$1.41 £1.07

$1.52 €1.36

-7.24%

Water (1.5 liter bottle)

$1.79 £1.35

$0.93 €0.83

92.47%

Cigarettes 20 Pack (Marlboro, Camel)

$23.22 £17.55

$3.98 €3.55

483.42%

Wine (Bottle)

$12.99 £9.82

$4.43 €3.96

193.23%

Local Beer (0.5 liter bottle)

$3.18 £2.40

$1.24 €1.11

156.45%

Imported Beer (0.33 liter bottle)

$4.41 £3.33

$1.72 €1.54

156.40%

One-way Ticket (Public Transport)

$3.87 £2.93

$1.69 €1.51

128.99%

Public Transport Monthly Pass (Regular Price)

$250 £189

$45.08 €40.23

454.68%

Taxi Start (Normal Tariff)

$5.71 £4.31

$2.91 €2.60

96.22%

Taxi (Normal Tariff) (1km)

$3.33 £2.51

$1.09 €0.97

205.50%

Taxi 1hour Waiting (Normal Tariff)

$57.9 £43.76

$16.59 €14.81

249.07%

Gasoline (1 liter)

$2.04 £1.54

$1.72 €1.53

18.60%

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

$37.5K £28.4K

$33.0K €29.5K

13.63%

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

$40.9K £30.9K

$20.9K €18.7K

95.39%

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

$376 £284

$131 €117

186.02%

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

$17.88 £13.51

$12.86 €11.48

39.04%

Internet (50+ Mbps, Unlimited Data)

$40.01 £30.24

$33.38 €29.79

19.86%

Gym Membership (Monthly)

$61.2 £46.22

$55.7 €49.71

9.78%

Tennis Court (1 Hour on Weekend)

$21.07 £15.93

$11.00 €9.81

91.55%

Cinema Ticket

$17.95 £13.57

$8.00 €7.14

124.37%

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

$2,865 £2,165

$443 €395

546.66%

International Primary School, 1 Child (Yearly)

$35.3K £26.7K

$7,028 €6,272

402.86%

Jeans (Levis 501 Or Similar)

$116 £87.7

$82.5 €73.7

40.54%

Summer Dress (H&M, Zara, etc)

$54.1 £40.87

$33.95 €30.30

59.29%

Sport Shoes (Adidas, Nike)

$127 £95.7

$73.9 €65.9

71.36%

Men's Leather Business Shoes

$159 £120

$94.6 €84.4

68.49%

1-bedroom Apartment, City Center (Monthly)

$2,853 £2,156

$657 €587

334.07%

1-bedroom Apartment, Outside City Center (Monthly)

$2,301 £1,739

$395 €353

482.55%

3-bedroom Apartment, City Center (Monthly)

$5,201 £3,931

$1,232 €1,100

322.14%

3-bedroom Apartment, Outside City Center (Monthly)

$3,723 £2,813

$886 €791

320.10%

Buy Apartment in City Center (m2)

$19.0K £14.4K

$3,642 €3,250

422.00%

Buy Apartment Outside City Center (m2)

$7,881 £5,955

$2,415 €2,155

226.27%

Average Monthly Net Salary (After Tax)

$4,818 £3,641

$1,037 €926

364.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

4.65

-7.00%

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

Last update for London: October 4, 2026

Last update for Herceg Novi: October 6, 2026

Monthly budget structure

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

Accommodation & Living

London

$2.3K 56.5%

Herceg Novi

$395 31.8% 82.8% $1.9K

Monthly Utilities & Internet

London

$434 10.7%

Herceg Novi

$178 14.3% 59% $256

Eating Out

London

$397 9.7%

Herceg Novi

$186 14.9% 53.1% $211

Groceries & Markets

London

$349 8.6%

Herceg Novi

$225 18.1% 35.5% $124

Getting Around

London

$288 7.1%

Herceg Novi

$60 4.8% 79.1% $228

Clothing & Footwear

London

$205 5%

Herceg Novi

$128 10.3% 37.5% $77

Sport & Entertainment

London

$97 2.4%

Herceg Novi

$72 5.8% 26.1% $25

Cost Breakdown

A one-bedroom apartment in the center runs $2,853 in London and $657 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

London pays 364% 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: $108 in London vs $36.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $349 vs $225 per month, with Herceg Novi cheaper across the board.

Good to know

🇬🇧 London

🇲🇪 Herceg Novi

🕒 Local time

08:56 8:56 AM

09:56 9:56 AM

1 h ahead of London

🌤 Weather

👥 Population

8,908,083 Capital

11,059

💱 Currency

British Pound GBP £

Euro EUR €

📈 Exchange rate

1 GBP = 1.32 USD

1 GBP = 1.18 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 10, 2026: 1 USD = 0.756 GBP (1 GBP = 1.32 USD). 1 EUR = 0.848 GBP (1 GBP = 1.18 EUR).

Euro exchange rates as of October 10, 2026: 1 USD = 0.892 EUR (1 EUR = 1.12 USD).

USD to GBP in detail →

On the map

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Between locations

London Herceg Novi 1,730 km ≈ 2 h 45 min nonstop flight

From you

London
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

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

London and Herceg Novi differ by about 230% in total monthly costs ($4,086 vs $1,237 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 364% higher in London, 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: $2,853 in London versus $657 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 55% higher in London. 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 $36.00 versus $108 in London. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,237 in Herceg Novi versus $4,086 in London, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in London. 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, London 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 230% less than in London. Beyond cost, consider language, visa policies, and how big the international community is in each city.