Last update: Oct 2026

Cost of Living Comparison Between Podgorica and Tivat

For one person, living is cheaper in Podgorica: $1,331 a month against $1,657 in Tivat, rent and utilities included – about $3,900 less a year. Rent and utilities account for most of the difference.

64

Cost of Living Index in Podgorica
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Podgorica Living Index
80

Cost of Living Index in Tivat
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Tivat Living Index

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Podgorica

🇲🇪 Montenegro

$1,331

/mo nomad

Tivat

🇲🇪 Montenegro

$1,657

/mo nomad

Monthly Cost of Living

How much you'll spend in Podgorica 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 Podgorica and in Tivat actually costs, broken down by who's living it.

A single person spends $1,331 per month in Podgorica vs $1,657 in Tivat, rent included.

Podgorica $1,331
Tivat $1,657

A couple spends around $2,096 per month in Podgorica vs $2,496 in Tivat, rent included.

Podgorica $2,096
Tivat $2,496

A family of three spends $2,860 per month in Podgorica vs $3,335 in Tivat, rent included.

Podgorica $2,860
Tivat $3,335

Podgorica is about 20% cheaper than Tivat, and outside of rent the biggest gap is in groceries.

Podgorica sits 2% below the global median, while Tivat is 22% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.27 €10.13

$11.20 €10.06

0.63%

Three-Course Dinner for Two, Mid-Range

$44.27 €39.78

$44.43 €39.92

-0.36%

Fast Food Meal (McDonalds, etc)

$10.56 €9.49

$10.41 €9.35

1.44%

Cappuccino

$2.12 €1.91

$2.13 €1.91

-0.47%

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

$2.48 €2.23

$2.51 €2.26

-1.20%

Water (0.33 liter bottle)

$1.45 €1.31

$1.47 €1.32

-1.36%

Local Beer (0.5 liter draught)

$3.15 €2.83

$3.03 €2.72

3.96%

Imported Beer (0.33 liter bottle)

$3.31 €2.98

$3.43 €3.09

-3.50%

Milk (1 liter)

$1.26 €1.13

$1.28 €1.15

-1.56%

White Bread (500g)

$0.99 €0.89

$1.07 €0.96

-7.48%

Rice (white) (1kg)

$1.99 €1.78

$1.91 €1.71

4.19%

Eggs

$3.59 €3.22

$3.35 €3.01

7.16%

Local Cheese (1kg)

$8.85 €7.95

$8.91 €8.01

-0.67%

Chicken Fillets (1kg)

$8.08 €7.26

$8.43 €7.58

-4.15%

Beef Round Steak (1kg)

$12.07 €10.84

$12.34 €11.09

-2.19%

Apples (1kg)

$1.63 €1.46

$1.60 €1.44

1.87%

Banana (1kg)

$1.72 €1.54

$1.76 €1.58

-2.27%

Oranges (1kg)

$1.80 €1.62

$1.70 €1.53

5.88%

Tomato (1kg)

$2.33 €2.09

$2.78 €2.50

-16.19%

Potato (1kg)

$0.95 €0.85

$1.00 €0.90

-5.00%

Onion (1kg)

$1.07 €0.96

$1.08 €0.97

-0.93%

Lettuce (1 head)

$1.50 €1.35

$1.67 €1.50

-10.18%

Water (1.5 liter bottle)

$0.83 €0.74

$1.09 €0.98

-23.85%

Cigarettes 20 Pack (Marlboro, Camel)

$4.28 €3.85

$4.56 €4.10

-6.14%

Wine (Bottle)

$5.72 €5.14

$8.90 €7.99

-35.73%

Local Beer (0.5 liter bottle)

$1.07 €0.96

$1.14 €1.02

-6.14%

Imported Beer (0.33 liter bottle)

$1.61 €1.45

$1.85 €1.66

-12.97%

One-way Ticket (Public Transport)

$1.03 €0.92

$1.70 €1.53

-39.41%

Public Transport Monthly Pass (Regular Price)

$32.90 €29.56

$39.27 €35.28

-16.22%

Taxi Start (Normal Tariff)

$0.76 €0.68

$1.15 €1.04

-33.91%

Taxi (Normal Tariff) (1km)

$0.81 €0.73

$1.10 €0.99

-26.36%

Taxi 1hour Waiting (Normal Tariff)

$11.08 €9.95

$11.14 €10.01

-0.54%

Gasoline (1 liter)

$1.89 €1.70

$1.72 €1.55

9.88%

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

$28.5K €25.6K

$28.0K €25.1K

1.87%

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

$23.8K €21.3K

$26.0K €23.3K

-8.51%

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

$130 €117

$131 €118

-0.65%

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

$18.48 €16.61

$14.87 €13.36

24.28%

Internet (50+ Mbps, Unlimited Data)

$32.17 €28.90

$33.75 €30.32

-4.68%

Gym Membership (Monthly)

$50.2 €45.14

$47.70 €42.86

5.32%

Tennis Court (1 Hour on Weekend)

$13.34 €11.98

$15.54 €13.96

-14.16%

Cinema Ticket

$6.61 €5.94

$6.03 €5.42

9.62%

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

$343 €308

$399 €359

-14.06%

International Primary School, 1 Child (Yearly)

$7,326 €6,583

$7,369 €6,621

-0.58%

Jeans (Levis 501 Or Similar)

$85.9 €77.2

$86.7 €77.9

-0.97%

Summer Dress (H&M, Zara, etc)

$46.72 €41.98

$39.08 €35.11

19.55%

Sport Shoes (Adidas, Nike)

$98.1 €88.1

$99.5 €89.4

-1.43%

Men's Leather Business Shoes

$105 €94.1

$106 €95.4

-1.40%

1-bedroom Apartment, City Center (Monthly)

$663 €596

$874 €785

-24.06%

1-bedroom Apartment, Outside City Center (Monthly)

$483 €434

$789 €709

-38.84%

3-bedroom Apartment, City Center (Monthly)

$1,361 €1,223

$1,959 €1,760

-30.50%

3-bedroom Apartment, Outside City Center (Monthly)

$976 €877

$1,414 €1,271

-30.99%

Buy Apartment in City Center (m2)

$3,122 €2,805

$5,808 €5,218

-46.24%

Buy Apartment Outside City Center (m2)

$2,388 €2,146

$2,699 €2,425

-11.51%

Average Monthly Net Salary (After Tax)

$1,152 €1,035

$1,168 €1,050

-1.39%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.22

5.38

-2.97%

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

Last update for Podgorica: October 25, 2026

Last update for Tivat: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Podgorica

$483 36.2%

Tivat

$789 47.6% 63.5% $306

Groceries & Markets

Podgorica

$226 17%

Tivat

$242 14.6% 6.9% $16

Eating Out

Podgorica

$186 13.9%

Tivat

$184 11.1% 0.7% $1.2

Monthly Utilities & Internet

Podgorica

$181 13.6%

Tivat

$180 10.9% 0.7% $1.2

Clothing & Footwear

Podgorica

$151 11.3%

Tivat

$149 9% 1.2% $1.8

Sport & Entertainment

Podgorica

$63 4.8%

Tivat

$60 3.6% 5.8% $3.7

Getting Around

Podgorica

$42 3.1%

Tivat

$53 3.2% 26.1% $11

Cost Breakdown

A central one-bedroom costs $663 in Podgorica versus $874 in Tivat. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $44 in Podgorica versus $44 in Tivat. Monthly groceries follow the same trend: $226 vs $242 – making Podgorica the more affordable choice for daily food spending.

Good to know

🇲🇪 Podgorica

🇲🇪 Tivat

🕒 Local time

11:21 11:21 AM

Same time as Podgorica

🌤 Weather

👥 Population

150,799 Capital

9,500

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

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Between locations

Podgorica Tivat 46 km

From you

Podgorica
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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

Podgorica vs Tivat: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,331 in Podgorica, $1,657 in Tivat – roughly 24% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $1,997 per month in Podgorica and $2,485 in Tivat. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Podgorica, especially for central apartments: a one-bedroom in the center costs $663 there versus $874 in Tivat.

Public transport costs about 16% less in Podgorica. For daily commuters, that gap adds up to noticeable savings over a year.

Groceries cost about 7% more in Tivat, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,000 covers both cities comfortably – all-in costs are $1,331 in Podgorica and $1,657 in Tivat, leaving budget for savings and extras in both cases.

Families tend to lean toward Podgorica – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.