Last update: Oct 2026

Cost of Living Comparison Between Niksic and Kotor

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.

47

Cost of Living Index in Niksic
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Niksic Living Index
73

Cost of Living Index in Kotor
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Kotor Living Index

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Niksic

🇲🇪 Montenegro

$972

/mo nomad

Kotor

🇲🇪 Montenegro

$1,536

/mo nomad

Monthly Cost of Living

How much you'll spend in Niksic and in Kotor

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

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

Niksic $972
Kotor $1,536

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

Niksic $1,463
Kotor $2,437

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

Niksic $1,954
Kotor $3,338

Living in Niksic costs roughly 37% less than in Kotor, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$7.98 €7.15

$11.05 €9.90

-27.78%

Three-Course Dinner for Two, Mid-Range

$30.67 €27.49

$57.9 €51.9

-47.02%

Fast Food Meal (McDonalds, etc)

$5.49 €4.92

$11.11 €9.95

-50.59%

Cappuccino

$1.73 €1.55

$3.23 €2.89

-46.44%

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

$1.85 €1.65

$2.49 €2.23

-25.70%

Water (0.33 liter bottle)

$1.10 €0.98

$1.58 €1.41

-30.38%

Local Beer (0.5 liter draught)

$1.97 €1.77

$3.10 €2.78

-36.45%

Imported Beer (0.33 liter bottle)

$2.19 €1.96

$4.40 €3.94

-50.23%

Milk (1 liter)

$1.06 €0.95

$1.26 €1.13

-15.87%

White Bread (500g)

$0.90 €0.80

$0.99 €0.89

-9.09%

Rice (white) (1kg)

$1.96 €1.76

$1.91 €1.71

2.62%

Eggs

$3.05 €2.73

$3.57 €3.20

-14.57%

Local Cheese (1kg)

$7.37 €6.61

$8.98 €8.05

-17.93%

Chicken Fillets (1kg)

$6.07 €5.44

$8.51 €7.63

-28.67%

Beef Round Steak (1kg)

$10.82 €9.69

$12.51 €11.21

-13.51%

Apples (1kg)

$1.13 €1.02

$1.34 €1.20

-15.67%

Banana (1kg)

$1.26 €1.13

$1.72 €1.54

-26.74%

Oranges (1kg)

$1.32 €1.18

$1.55 €1.39

-14.84%

Tomato (1kg)

$2.08 €1.87

$2.42 €2.17

-14.05%

Potato (1kg)

$0.96 €0.86

$0.93 €0.83

3.23%

Onion (1kg)

$1.02 €0.91

$1.07 €0.96

-4.67%

Lettuce (1 head)

$1.01 €0.91

$1.49 €1.34

-32.21%

Water (1.5 liter bottle)

$0.85 €0.76

$0.80 €0.71

6.25%

Cigarettes 20 Pack (Marlboro, Camel)

$4.06 €3.63

$4.43 €3.97

-8.35%

Wine (Bottle)

$5.16 €4.62

$8.99 €8.06

-42.60%

Local Beer (0.5 liter bottle)

$0.97 €0.87

$1.09 €0.98

-11.01%

Imported Beer (0.33 liter bottle)

$1.17 €1.05

$1.82 €1.63

-35.71%

One-way Ticket (Public Transport)

$1.14 €1.02

$1.65 €1.48

-30.91%

Public Transport Monthly Pass (Regular Price)

$32.88 €29.47

$45.37 €40.65

-27.53%

Taxi Start (Normal Tariff)

$0.55 €0.49

$0.77 €0.69

-28.57%

Taxi (Normal Tariff) (1km)

$0.55 €0.49

$1.14 €1.02

-51.75%

Taxi 1hour Waiting (Normal Tariff)

$7.23 €6.48

$11.22 €10.05

-35.56%

Gasoline (1 liter)

$1.75 €1.57

$1.69 €1.52

3.55%

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

$21.1K €18.9K

$28.0K €25.0K

-24.48%

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

$25.5K €22.8K

$23.9K €21.4K

6.74%

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

$118 €106

$127 €114

-7.41%

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

$23.25 €20.83

$16.92 €15.17

37.41%

Internet (50+ Mbps, Unlimited Data)

$24.08 €21.58

$32.06 €28.73

-24.89%

Gym Membership (Monthly)

$32.96 €29.54

$44.81 €40.16

-26.44%

Tennis Court (1 Hour on Weekend)

$10.40 €9.32

$20.22 €18.12

-48.57%

Cinema Ticket

$5.63 €5.04

$6.56 €5.88

-14.18%

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

$81.7 €73.2

$340 €305

-75.98%

International Primary School, 1 Child (Yearly)

$4,474 €4,009

$7,381 €6,614

-39.38%

Jeans (Levis 501 Or Similar)

$82.5 €73.9

$85.5 €76.6

-3.51%

Summer Dress (H&M, Zara, etc)

$31.92 €28.60

$45.22 €40.52

-29.41%

Sport Shoes (Adidas, Nike)

$88.2 €79.0

$97.1 €87.0

-9.22%

Men's Leather Business Shoes

$111 €99.7

$104 €93.2

6.93%

1-bedroom Apartment, City Center (Monthly)

$411 €369

$659 €591

-37.58%

1-bedroom Apartment, Outside City Center (Monthly)

$263 €236

$659 €590

-60.01%

3-bedroom Apartment, City Center (Monthly)

$615 €551

$1,327 €1,189

-53.65%

3-bedroom Apartment, Outside City Center (Monthly)

$415 €372

$1,321 €1,184

-68.57%

Buy Apartment in City Center (m2)

$1,673 €1,499

$3,931 €3,523

-57.44%

Buy Apartment Outside City Center (m2)

$1,191 €1,068

$2,786 €2,496

-57.23%

Average Monthly Net Salary (After Tax)

$805 €722

$933 €836

-13.67%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

5.95

-7.56%

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

Last update for Niksic: October 24, 2026

Last update for Kotor: October 26, 2026

Monthly budget structure

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

Accommodation & Living

Niksic

$263 27.1%

Kotor

$659 42.9% 150% $395

Groceries & Markets

Niksic

$190 19.6%

Kotor

$234 15.3% 23.2% $44

Monthly Utilities & Internet

Niksic

$165 17%

Kotor

$176 11.5% 6.7% $11

Clothing & Footwear

Niksic

$141 14.5%

Kotor

$149 9.7% 5.7% $8.1

Eating Out

Niksic

$127 13.1%

Kotor

$201 13.1% 58.3% $74

Sport & Entertainment

Niksic

$44 4.6%

Kotor

$58 3.8% 31% $14

Getting Around

Niksic

$41 4.2%

Kotor

$58 3.8% 43.5% $18

Cost Breakdown

A one-bedroom apartment in the center runs $411 in Niksic and $659 in Kotor. 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: $31 in Niksic vs $58 in Kotor for a mid-range dinner for two. Groceries echo the gap at $190 vs $234 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Niksic

🇲🇪 Kotor

🕒 Local time

04:59 4:59 AM

Same time as Niksic

🌤 Weather

👥 Population

56,970

13,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Niksic Kotor 41 km

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Niksic
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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

Niksic vs Kotor: 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.

On paper, salaries run 14% lower in Niksic. 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: $411 in Niksic versus $659 in Kotor. Housing is usually the single largest factor when comparing overall living costs between the two.

Childcare runs $82 in Niksic versus $340 in Kotor. 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, Niksic and Kotor 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.