Last update: Oct 2026

Cost of Living Comparison Between Tivat and Athens

For one person, living is cheaper in Tivat: $1,644 a month against $1,775 in Athens, rent and utilities included – about $1,600 less a year. The total is higher in Athens despite lower rent and utilities.

80

Cost of Living Index in Tivat
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Tivat Living Index
86

Cost of Living Index in Athens
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Athens Living Index

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Tivat

🇲🇪 Montenegro

$1,644

/mo nomad

Athens

🇬🇷 Greece

$1,775

/mo nomad

Monthly Cost of Living

How much you'll spend in Tivat and in Athens

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

Monthly costs for one person with rent: $1,644 in Tivat versus $1,775 in Athens.

Tivat $1,644
Athens $1,775

Estimated couple costs with rent: $2,486 in Tivat versus $2,721 in Athens.

Tivat $2,486
Athens $2,721

Monthly costs for a family of three with rent: $3,327 in Tivat versus $3,666 in Athens.

Tivat $3,327
Athens $3,666

Living in Tivat costs roughly 7% less than in Athens, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Tivat 22% above, Athens 31% above.

Meal at Budget Restaurant

$11.15 €9.91

$16.69 €14.84

-33.19%

Three-Course Dinner for Two, Mid-Range

$44.89 €39.93

$67.8 €60.3

-33.78%

Fast Food Meal (McDonalds, etc)

$10.51 €9.35

$11.14 €9.91

-5.66%

Cappuccino

$2.23 €1.98

$4.03 €3.58

-44.67%

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

$2.57 €2.28

$2.77 €2.46

-7.22%

Water (0.33 liter bottle)

$1.45 €1.29

$0.55 €0.49

163.64%

Local Beer (0.5 liter draught)

$3.11 €2.77

$5.74 €5.10

-45.82%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$5.45 €4.85

-37.06%

Milk (1 liter)

$1.27 €1.13

$1.82 €1.62

-30.22%

White Bread (500g)

$1.05 €0.93

$1.38 €1.23

-23.91%

Rice (white) (1kg)

$1.98 €1.76

$2.80 €2.49

-29.29%

Eggs

$3.31 €2.94

$4.83 €4.30

-31.47%

Local Cheese (1kg)

$8.45 €7.52

$15.05 €13.39

-43.85%

Chicken Fillets (1kg)

$8.42 €7.49

$10.63 €9.45

-20.79%

Beef Round Steak (1kg)

$12.33 €10.97

$18.43 €16.39

-33.10%

Apples (1kg)

$1.61 €1.43

$2.20 €1.96

-26.82%

Banana (1kg)

$1.66 €1.48

$1.90 €1.69

-12.63%

Oranges (1kg)

$1.74 €1.55

$1.37 €1.22

27.01%

Tomato (1kg)

$2.92 €2.60

$2.10 €1.87

39.05%

Potato (1kg)

$0.94 €0.84

$1.08 €0.96

-12.96%

Onion (1kg)

$1.10 €0.98

$1.12 €1.00

-1.79%

Lettuce (1 head)

$1.72 €1.53

$1.12 €1.00

53.57%

Water (1.5 liter bottle)

$0.94 €0.83

$0.88 €0.79

6.82%

Cigarettes 20 Pack (Marlboro, Camel)

$4.25 €3.78

$5.48 €4.88

-22.45%

Wine (Bottle)

$5.56 €4.94

$10.13 €9.01

-45.11%

Local Beer (0.5 liter bottle)

$1.12 €1.00

$2.13 €1.89

-47.42%

Imported Beer (0.33 liter bottle)

$1.66 €1.48

$2.25 €2.00

-26.22%

One-way Ticket (Public Transport)

$1.69 €1.51

$1.36 €1.21

24.26%

Public Transport Monthly Pass (Regular Price)

$39.69 €35.31

$29.89 €26.59

32.79%

Taxi Start (Normal Tariff)

$1.13 €1.01

$4.45 €3.96

-74.61%

Taxi (Normal Tariff) (1km)

$1.14 €1.01

$1.02 €0.90

11.76%

Taxi 1hour Waiting (Normal Tariff)

$11.22 €9.98

$16.92 €15.05

-33.69%

Gasoline (1 liter)

$1.75 €1.56

$2.25 €2.00

-22.22%

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

$29.6K €26.3K

$28.0K €24.9K

5.48%

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

$26.2K €23.3K

$28.2K €25.1K

-7.21%

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

$128 €114

$205 €182

-37.48%

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

$14.97 €13.31

$26.65 €23.71

-43.83%

Internet (50+ Mbps, Unlimited Data)

$33.55 €29.84

$30.38 €27.02

10.43%

Gym Membership (Monthly)

$46.68 €41.53

$54.5 €48.47

-14.33%

Tennis Court (1 Hour on Weekend)

$15.45 €13.74

$25.88 €23.02

-40.30%

Cinema Ticket

$6.20 €5.51

$10.42 €9.27

-40.50%

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

$405 €360

$569 €506

-28.92%

International Primary School, 1 Child (Yearly)

$7,300 €6,494

$12.6K €11.2K

-41.99%

Jeans (Levis 501 Or Similar)

$86.3 €76.8

$88.7 €78.9

-2.62%

Summer Dress (H&M, Zara, etc)

$39.25 €34.91

$40.46 €35.99

-2.99%

Sport Shoes (Adidas, Nike)

$97.4 €86.6

$105 €93.3

-7.16%

Men's Leather Business Shoes

$104 €92.4

$121 €108

-14.41%

1-bedroom Apartment, City Center (Monthly)

$882 €784

$741 €659

19.04%

1-bedroom Apartment, Outside City Center (Monthly)

$791 €704

$655 €582

20.86%

3-bedroom Apartment, City Center (Monthly)

$1,973 €1,755

$1,300 €1,156

51.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,428 €1,270

$1,148 €1,021

24.38%

Buy Apartment in City Center (m2)

$5,914 €5,260

$4,014 €3,570

47.34%

Buy Apartment Outside City Center (m2)

$2,633 €2,342

$3,460 €3,078

-23.90%

Average Monthly Net Salary (After Tax)

$1,198 €1,066

$1,242 €1,105

-3.55%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

4.48

20.09%

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

Last update for Tivat: October 11, 2026

Last update for Athens: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Tivat

$791 48.1%

Athens

$655 36.9% 17.3% $137

Groceries & Markets

Tivat

$232 14.1%

Athens

$310 17.5% 34.1% $79

Eating Out

Tivat

$186 11.3%

Athens

$268 15.1% 44.3% $82

Monthly Utilities & Internet

Tivat

$176 10.7%

Athens

$262 14.7% 48.3% $85

Clothing & Footwear

Tivat

$147 8.9%

Athens

$160 9% 8.7% $13

Sport & Entertainment

Tivat

$59 3.6%

Athens

$75 4.2% 27.5% $16

Getting Around

Tivat

$53 3.2%

Athens

$45 2.5% 15.8% $8.4

Cost Breakdown

A one-bedroom apartment in the center runs $882 in Tivat and $741 in Athens. Housing cost is often the main lever when comparing two cities.

Athens pays 4% 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: $45.00 in Tivat vs $68.0 in Athens for a mid-range dinner for two. Groceries echo the gap at $232 vs $310 per month, with Tivat cheaper across the board.

Good to know

🇲🇪 Tivat

🇬🇷 Athens

🕒 Local time

08:43 8:43 AM

09:43 9:43 AM

1 h ahead of Tivat

🌤 Weather

👥 Population

9,500

3,090,508 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Between locations

Tivat Athens 650 km ≈ 1 h 15 min nonstop flight

From you

Tivat
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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

Tivat vs Athens: Cost of Living - Frequently Asked Questions

Tivat wins on cost – living expenses run 8% lower than in Athens. Housing and daily spending are where you'll feel the difference most, making Tivat the obvious pick if budget is a priority.

On paper, salaries run 4% lower in Athens. 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: $882 in Tivat versus $741 in Athens. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Tivat – a meal for two runs $45.00 versus $68.0 in Athens. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $1,644 per month in Tivat versus $1,775 in Athens – a 8% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,644 in Tivat versus $1,775 in Athens, a $2,000 budget is realistic in Tivat but tight or insufficient in Athens. The gap between the two cities makes Tivat the clear choice for anyone on this budget.

Both work as nomad bases, but Tivat delivers better value – similar infrastructure at $1,644 monthly. If stretching your runway or maximizing savings is the goal, the price difference makes Tivat hard to pass up.

Safety-wise, Tivat and Athens 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 Tivat gentler on the wallet – expenses run 8% less than in Athens. Beyond cost, consider language, visa policies, and how big the international community is in each city.