Last update: Oct 2026

Cost of Living Comparison Between Niksic and Tivat

For one person, living is cheaper in Niksic: $986 a month against $1,651 in Tivat, rent and utilities included – about $8,000 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
80

Cost of Living Index in Tivat
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Tivat Living Index

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Niksic

🇲🇪 Montenegro

$986

/mo nomad

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Monthly Cost of Living

How much you'll spend in Niksic and in Tivat

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

Monthly costs for one person with rent: $986 in Niksic versus $1,651 in Tivat.

Niksic $986
Tivat $1,651

Estimated couple costs with rent: $1,468 in Niksic versus $2,494 in Tivat.

Niksic $1,468
Tivat $2,494

Monthly costs for a family of three with rent: $1,950 in Niksic versus $3,338 in Tivat.

Niksic $1,950
Tivat $3,338

Living in Niksic costs roughly 40% less than in Tivat, and outside of rent the biggest gap is in eating out.

The two cities straddle the global median: Niksic is 27% below, Tivat is 22% above.

Meal at Budget Restaurant

$7.94 €7.07

$11.18 €9.95

-28.98%

Three-Course Dinner for Two, Mid-Range

$30.49 €27.12

$45.70 €40.65

-33.28%

Fast Food Meal (McDonalds, etc)

$5.76 €5.12

$10.86 €9.66

-46.96%

Cappuccino

$1.70 €1.51

$2.21 €1.97

-23.08%

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

$1.85 €1.65

$2.58 €2.30

-28.29%

Water (0.33 liter bottle)

$1.14 €1.02

$1.40 €1.25

-18.57%

Local Beer (0.5 liter draught)

$2.01 €1.79

$3.17 €2.82

-36.59%

Imported Beer (0.33 liter bottle)

$2.17 €1.93

$3.31 €2.94

-34.44%

Milk (1 liter)

$1.09 €0.97

$1.29 €1.14

-15.50%

White Bread (500g)

$0.88 €0.78

$1.09 €0.97

-19.27%

Rice (white) (1kg)

$1.90 €1.69

$1.94 €1.72

-2.06%

Eggs

$3.18 €2.83

$3.36 €2.99

-5.36%

Local Cheese (1kg)

$7.59 €6.75

$8.92 €7.93

-14.91%

Chicken Fillets (1kg)

$5.96 €5.30

$8.07 €7.18

-26.15%

Beef Round Steak (1kg)

$10.85 €9.65

$12.30 €10.94

-11.79%

Apples (1kg)

$1.09 €0.97

$1.62 €1.44

-32.72%

Banana (1kg)

$1.26 €1.12

$1.68 €1.50

-25.00%

Oranges (1kg)

$1.29 €1.15

$1.73 €1.54

-25.43%

Tomato (1kg)

$2.12 €1.88

$2.88 €2.56

-26.39%

Potato (1kg)

$0.91 €0.81

$0.92 €0.82

-1.09%

Onion (1kg)

$1.06 €0.95

$1.12 €1.00

-5.36%

Lettuce (1 head)

$1.04 €0.93

$1.67 €1.48

-37.72%

Water (1.5 liter bottle)

$0.84 €0.74

$0.89 €0.79

-5.62%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 €3.76

$4.34 €3.86

-2.76%

Wine (Bottle)

$5.13 €4.56

$5.56 €4.94

-7.73%

Local Beer (0.5 liter bottle)

$0.90 €0.80

$1.09 €0.97

-17.43%

Imported Beer (0.33 liter bottle)

$1.11 €0.99

$1.68 €1.49

-33.93%

One-way Ticket (Public Transport)

$1.09 €0.97

$1.71 €1.52

-36.26%

Public Transport Monthly Pass (Regular Price)

$33.41 €29.72

$39.50 €35.14

-15.42%

Taxi Start (Normal Tariff)

$0.58 €0.51

$1.14 €1.01

-49.12%

Taxi (Normal Tariff) (1km)

$0.54 €0.48

$1.15 €1.02

-53.04%

Taxi 1hour Waiting (Normal Tariff)

$7.21 €6.41

$11.35 €10.10

-36.48%

Gasoline (1 liter)

$1.77 €1.57

$1.79 €1.60

-1.12%

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

$21.5K €19.1K

$27.8K €24.7K

-22.67%

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

$25.7K €22.8K

$25.6K €22.8K

0.36%

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

$123 €109

$127 €113

-3.44%

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

$23.36 €20.78

$15.03 €13.37

55.42%

Internet (50+ Mbps, Unlimited Data)

$23.80 €21.17

$33.55 €29.84

-29.06%

Gym Membership (Monthly)

$33.17 €29.51

$46.87 €41.69

-29.23%

Tennis Court (1 Hour on Weekend)

$10.53 €9.37

$15.38 €13.68

-31.53%

Cinema Ticket

$5.64 €5.02

$6.00 €5.33

-6.00%

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

$81.9 €72.9

$407 €362

-79.86%

International Primary School, 1 Child (Yearly)

$4,517 €4,018

$7,455 €6,632

-39.41%

Jeans (Levis 501 Or Similar)

$82.3 €73.2

$87.0 €77.4

-5.47%

Summer Dress (H&M, Zara, etc)

$31.53 €28.05

$39.46 €35.10

-20.10%

Sport Shoes (Adidas, Nike)

$89.4 €79.5

$97.8 €87.0

-8.60%

Men's Leather Business Shoes

$112 €99.5

$104 €92.4

7.65%

1-bedroom Apartment, City Center (Monthly)

$412 €366

$884 €786

-53.42%

1-bedroom Apartment, Outside City Center (Monthly)

$271 €241

$797 €709

-65.95%

3-bedroom Apartment, City Center (Monthly)

$600 €534

$1,996 €1,775

-69.94%

3-bedroom Apartment, Outside City Center (Monthly)

$403 €359

$1,433 €1,275

-71.86%

Buy Apartment in City Center (m2)

$1,667 €1,483

$5,841 €5,196

-71.46%

Buy Apartment Outside City Center (m2)

$1,215 €1,081

$2,688 €2,391

-54.80%

Average Monthly Net Salary (After Tax)

$806 €717

$1,214 €1,080

-33.65%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.5

5.38

2.23%

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

Last update for Niksic: October 18, 2026

Last update for Tivat: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Niksic

$271 27.5%

Tivat

$797 48.3% 194% $526

Groceries & Markets

Niksic

$190 19.3%

Tivat

$231 14% 21.5% $41

Monthly Utilities & Internet

Niksic

$170 17.3%

Tivat

$176 10.7% 3.4% $5.8

Clothing & Footwear

Niksic

$142 14.4%

Tivat

$148 9% 4.2% $5.9

Eating Out

Niksic

$128 12.9%

Tivat

$187 11.3% 46.6% $59

Sport & Entertainment

Niksic

$44 4.5%

Tivat

$59 3.6% 32.4% $14

Getting Around

Niksic

$41 4.2%

Tivat

$53 3.2% 29.6% $12

Cost Breakdown

A one-bedroom apartment in the center runs $412 in Niksic and $884 in Tivat. Housing cost is often the main lever when comparing two cities.

Tivat pays 51% 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: $30.00 in Niksic vs $46.00 in Tivat for a mid-range dinner for two. Groceries echo the gap at $190 vs $231 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Niksic

🇲🇪 Tivat

🕒 Local time

13:43 1:43 PM

Same time as Niksic

🌤 Weather

👥 Population

56,970

9,500

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Niksic
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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

Niksic vs Tivat: Cost of Living - Frequently Asked Questions

Niksic and Tivat differ by about 67% in total monthly costs ($986 vs $1,651 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 51% lower in Tivat. 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: $412 in Niksic versus $884 in Tivat. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $986 per month in Niksic versus $1,651 in Tivat – a 67% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Niksic runs roughly 18% less than in Tivat. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $986 in Niksic versus $1,651 in Tivat, a $2,000 budget is realistic in Niksic but tight or insufficient in Tivat. 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 Tivat 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 67% less than in Tivat. Beyond cost, consider language, visa policies, and how big the international community is in each city.