Last update: Oct 2026

Cost of Living Comparison Between Niksic and Zabljak

For one person, living is cheaper in Niksic: $986 a month against $1,128 in Zabljak, rent and utilities included – about $1,700 less a year. Higher rent and utilities in Zabljak outweigh lower spending on other living expenses.

47

Cost of Living Index in Niksic
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Niksic Living Index
55

Cost of Living Index in Zabljak
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Zabljak Living Index

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Niksic

🇲🇪 Montenegro

$986

/mo nomad

Zabljak

🇲🇪 Montenegro

$1,128

/mo nomad

Monthly Cost of Living

How much you'll spend in Niksic and in Zabljak

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

Monthly costs for one person with rent: $986 in Niksic versus $1,128 in Zabljak.

Niksic $986
Zabljak $1,128

Estimated couple costs with rent: $1,468 in Niksic versus $1,769 in Zabljak.

Niksic $1,468
Zabljak $1,769

Monthly costs for a family of three with rent: $1,950 in Niksic versus $2,410 in Zabljak.

Niksic $1,950
Zabljak $2,410

Living in Niksic costs roughly 13% less than in Zabljak, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Niksic 27% lower, Zabljak 17% lower.

Meal at Budget Restaurant

$7.94 €7.07

$7.95 €7.08

-0.13%

Three-Course Dinner for Two, Mid-Range

$30.49 €27.12

$31.82 €28.30

-4.18%

Fast Food Meal (McDonalds, etc)

$5.76 €5.12

$6.55 €5.82

-12.06%

Cappuccino

$1.70 €1.51

$1.63 €1.45

4.29%

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

$1.85 €1.65

$2.24 €2.00

-17.41%

Water (0.33 liter bottle)

$1.14 €1.02

$1.45 €1.29

-21.38%

Local Beer (0.5 liter draught)

$2.01 €1.79

$3.00 €2.66

-33.00%

Imported Beer (0.33 liter bottle)

$2.17 €1.93

$3.54 €3.15

-38.70%

Milk (1 liter)

$1.09 €0.97

$1.27 €1.13

-14.17%

White Bread (500g)

$0.88 €0.78

$0.65 €0.57

35.38%

Rice (white) (1kg)

$1.90 €1.69

$1.31 €1.17

45.04%

Eggs

$3.18 €2.83

$2.97 €2.64

7.07%

Local Cheese (1kg)

$7.59 €6.75

$7.08 €6.30

7.20%

Chicken Fillets (1kg)

$5.96 €5.30

$7.22 €6.42

-17.45%

Beef Round Steak (1kg)

$10.85 €9.65

$12.23 €10.88

-11.28%

Apples (1kg)

$1.09 €0.97

$1.32 €1.17

-17.42%

Banana (1kg)

$1.26 €1.12

$1.67 €1.49

-24.55%

Oranges (1kg)

$1.29 €1.15

$1.51 €1.34

-14.57%

Tomato (1kg)

$2.12 €1.88

$1.41 €1.26

50.35%

Potato (1kg)

$0.91 €0.81

$0.65 €0.58

40.00%

Onion (1kg)

$1.06 €0.95

$0.70 €0.62

51.43%

Lettuce (1 head)

$1.04 €0.93

$0.91 €0.81

14.29%

Water (1.5 liter bottle)

$0.84 €0.74

$0.96 €0.86

-12.50%

Cigarettes 20 Pack (Marlboro, Camel)

$4.22 €3.76

$4.01 €3.57

5.24%

Wine (Bottle)

$5.13 €4.56

$4.41 €3.92

16.33%

Local Beer (0.5 liter bottle)

$0.90 €0.80

$1.07 €0.95

-15.89%

Imported Beer (0.33 liter bottle)

$1.11 €0.99

$1.73 €1.54

-35.84%

One-way Ticket (Public Transport)

$1.09 €0.97

$1.63 €1.45

-33.13%

Public Transport Monthly Pass (Regular Price)

$33.41 €29.72

$39.55 €35.18

-15.52%

Taxi Start (Normal Tariff)

$0.58 €0.51

$1.14 €1.02

-49.12%

Taxi (Normal Tariff) (1km)

$0.54 €0.48

$0.64 €0.57

-15.62%

Taxi 1hour Waiting (Normal Tariff)

$7.21 €6.41

$17.00 €15.12

-57.59%

Gasoline (1 liter)

$1.77 €1.57

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

$21.5K €19.1K

$29.3K €26.1K

-26.77%

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

$25.7K €22.8K

$25.6K €22.7K

0.49%

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

$123 €109

$113 €101

8.61%

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

$23.36 €20.78

$15.02 €13.36

55.53%

Internet (50+ Mbps, Unlimited Data)

$23.80 €21.17

$22.02 €19.58

8.08%

Gym Membership (Monthly)

$33.17 €29.51

$46.30 €41.18

-28.36%

Tennis Court (1 Hour on Weekend)

$10.53 €9.37

$14.72 €13.10

-28.46%

Cinema Ticket

$5.64 €5.02

$6.21 €5.53

-9.18%

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

$81.9 €72.9

$392 €349

-79.11%

International Primary School, 1 Child (Yearly)

$4,517 €4,018

$9,812 €8,728

-53.96%

Jeans (Levis 501 Or Similar)

$82.3 €73.2

$22.65 €20.15

263.13%

Summer Dress (H&M, Zara, etc)

$31.53 €28.05

$27.47 €24.43

14.78%

Sport Shoes (Adidas, Nike)

$89.4 €79.5

$55.0 €48.89

62.61%

Men's Leather Business Shoes

$112 €99.5

$67.7 €60.2

65.18%

1-bedroom Apartment, City Center (Monthly)

$412 €366

$645 €573

-36.13%

1-bedroom Apartment, Outside City Center (Monthly)

$271 €241

$455 €405

-40.33%

3-bedroom Apartment, City Center (Monthly)

$600 €534

$1,277 €1,135

-53.01%

3-bedroom Apartment, Outside City Center (Monthly)

$403 €359

$937 €834

-56.96%

Buy Apartment in City Center (m2)

$1,667 €1,483

$3,324 €2,956

-49.84%

Buy Apartment Outside City Center (m2)

$1,215 €1,081

$2,357 €2,097

-48.47%

Average Monthly Net Salary (After Tax)

$806 €717

$801 €713

0.54%

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 18, 2026

Last update for Zabljak: October 18, 2026

Monthly budget structure

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

Accommodation & Living

Niksic

$271 27.5%

Zabljak

$455 40.3% 67.6% $183

Groceries & Markets

Niksic

$190 19.3%

Zabljak

$196 17.4% 3.3% $6.4

Monthly Utilities & Internet

Niksic

$170 17.3%

Zabljak

$150 13.3% 11.7% $20

Clothing & Footwear

Niksic

$142 14.4%

Zabljak

$78 6.9% 45.1% $64

Eating Out

Niksic

$128 12.9%

Zabljak

$140 12.4% 9.5% $12

Sport & Entertainment

Niksic

$44 4.5%

Zabljak

$59 5.2% 32.1% $14

Getting Around

Niksic

$41 4.2%

Zabljak

$50 4.5% 22.8% $9.4

Cost Breakdown

A one-bedroom apartment in the center runs $412 in Niksic and $645 in Zabljak. Housing cost is often the main lever when comparing two cities.

Niksic pays 1% more on average while also being the cheaper of the two. The combined effect is a noticeably stronger local purchasing power.

Dining out: $30.00 in Niksic vs $32.00 in Zabljak for a mid-range dinner for two. Groceries echo the gap at $190 vs $196 per month, with Niksic cheaper across the board.

Good to know

🇲🇪 Niksic

🇲🇪 Zabljak

🕒 Local time

04:50 4:50 AM

Same time as Niksic

🌤 Weather

👥 Population

56,970

1,900

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Niksic Zabljak 45 km

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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 Zabljak: Cost of Living - Frequently Asked Questions

Niksic and Zabljak differ by about 14% in total monthly costs ($986 vs $1,128 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 1% higher in Niksic, 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: $412 in Niksic versus $645 in Zabljak. 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 $1,128 in Zabljak – a 14% 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 Zabljak. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $986 in Niksic versus $1,128 in Zabljak, a $2,000 budget is realistic in Niksic but tight or insufficient in Zabljak. 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 Zabljak 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 14% less than in Zabljak. Beyond cost, consider language, visa policies, and how big the international community is in each city.