Last update: Oct 2026

Cost of Living Comparison Between Tivat and Austin, TX

For one person, living is cheaper in Tivat: $1,644 a month against $2,663 in Austin, TX, rent and utilities included – about $12,200 less a year. Rent and utilities account for most of the difference.

80

Cost of Living Index in Tivat
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Tivat Living Index
130

Cost of Living Index in Austin, TX
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Austin, TX Living Index

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Tivat

🇲🇪 Montenegro

$1,644

/mo nomad

Austin, TX

🇺🇸 United States

$2,663

/mo nomad

Monthly Cost of Living

How much you'll spend in Tivat and in Austin, TX

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

Monthly costs for one person with rent: $1,644 in Tivat versus $2,663 in Austin, TX.

Tivat $1,644
Austin, TX $2,663

Estimated couple costs with rent: $2,486 in Tivat versus $4,133 in Austin, TX.

Tivat $2,486
Austin, TX $4,133

Monthly costs for a family of three with rent: $3,327 in Tivat versus $5,603 in Austin, TX.

Tivat $3,327
Austin, TX $5,603

Living in Tivat costs roughly 38% less than in Austin, TX, and outside of rent the biggest gap is in groceries.

Both cities are pricier than the global median: Tivat 22% above, Austin, TX 97% above.

Meal at Budget Restaurant

$11.15 €9.91

$20.77 $20.77

-46.32%

Three-Course Dinner for Two, Mid-Range

$44.89 €39.93

$84.6 $84.6

-46.93%

Fast Food Meal (McDonalds, etc)

$10.51 €9.35

$12.32 $12.32

-14.69%

Cappuccino

$2.23 €1.98

$5.63 $5.63

-60.39%

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

$2.57 €2.28

$3.72 $3.72

-30.91%

Water (0.33 liter bottle)

$1.45 €1.29

$2.50 $2.50

-42.00%

Local Beer (0.5 liter draught)

$3.11 €2.77

$8.05 $8.05

-61.37%

Imported Beer (0.33 liter bottle)

$3.43 €3.05

$9.01 $9.01

-61.93%

Milk (1 liter)

$1.27 €1.13

$1.12 $1.12

13.39%

White Bread (500g)

$1.05 €0.93

$3.75 $3.75

-72.00%

Rice (white) (1kg)

$1.98 €1.76

$3.26 $3.26

-39.26%

Eggs

$3.31 €2.94

$4.17 $4.17

-20.62%

Local Cheese (1kg)

$8.45 €7.52

$12.90 $12.90

-34.50%

Chicken Fillets (1kg)

$8.42 €7.49

$14.16 $14.16

-40.54%

Beef Round Steak (1kg)

$12.33 €10.97

$16.22 $16.22

-23.98%

Apples (1kg)

$1.61 €1.43

$4.33 $4.33

-62.82%

Banana (1kg)

$1.66 €1.48

$1.46 $1.46

13.70%

Oranges (1kg)

$1.74 €1.55

$4.51 $4.51

-61.42%

Tomato (1kg)

$2.92 €2.60

$4.34 $4.34

-32.72%

Potato (1kg)

$0.94 €0.84

$2.58 $2.58

-63.57%

Onion (1kg)

$1.10 €0.98

$2.35 $2.35

-53.19%

Lettuce (1 head)

$1.72 €1.53

$1.78 $1.78

-3.37%

Water (1.5 liter bottle)

$0.94 €0.83

$2.22 $2.22

-57.66%

Cigarettes 20 Pack (Marlboro, Camel)

$4.25 €3.78

$9.88 $9.88

-56.98%

Wine (Bottle)

$5.56 €4.94

$15.08 $15.08

-63.13%

Local Beer (0.5 liter bottle)

$1.12 €1.00

$2.92 $2.92

-61.64%

Imported Beer (0.33 liter bottle)

$1.66 €1.48

$3.46 $3.46

-52.02%

One-way Ticket (Public Transport)

$1.69 €1.51

$1.49 $1.49

13.42%

Public Transport Monthly Pass (Regular Price)

$39.69 €35.31

$41.72 $41.72

-4.87%

Taxi Start (Normal Tariff)

$1.13 €1.01

$2.73 $2.73

-58.61%

Taxi (Normal Tariff) (1km)

$1.14 €1.01

$1.66 $1.66

-31.33%

Taxi 1hour Waiting (Normal Tariff)

$11.22 €9.98

$35.30 $35.30

-68.22%

Gasoline (1 liter)

$1.75 €1.56

$0.95 $0.95

84.21%

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

$29.6K €26.3K

$36.0K $36.0K

-17.98%

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

$26.2K €23.3K

$27.1K $27.1K

-3.24%

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

$128 €114

$229 $229

-44.14%

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

$14.97 €13.31

$59.4 $59.4

-74.79%

Internet (50+ Mbps, Unlimited Data)

$33.55 €29.84

$69.9 $69.9

-52.01%

Gym Membership (Monthly)

$46.68 €41.53

$57.2 $57.2

-18.45%

Tennis Court (1 Hour on Weekend)

$15.45 €13.74

$16.33 $16.33

-5.39%

Cinema Ticket

$6.20 €5.51

$14.28 $14.28

-56.58%

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

$405 €360

$1,506 $1,506

-73.13%

International Primary School, 1 Child (Yearly)

$7,300 €6,494

$21.5K $21.5K

-65.98%

Jeans (Levis 501 Or Similar)

$86.3 €76.8

$52.8 $52.8

63.49%

Summer Dress (H&M, Zara, etc)

$39.25 €34.91

$43.82 $43.82

-10.43%

Sport Shoes (Adidas, Nike)

$97.4 €86.6

$84.8 $84.8

14.90%

Men's Leather Business Shoes

$104 €92.4

$103 $103

0.80%

1-bedroom Apartment, City Center (Monthly)

$882 €784

$1,907 $1,907

-53.76%

1-bedroom Apartment, Outside City Center (Monthly)

$791 €704

$1,274 $1,274

-37.91%

3-bedroom Apartment, City Center (Monthly)

$1,973 €1,755

$3,664 $3,664

-46.17%

3-bedroom Apartment, Outside City Center (Monthly)

$1,428 €1,270

$2,538 $2,538

-43.75%

Buy Apartment in City Center (m2)

$5,914 €5,260

$7,614 $7,614

-22.33%

Buy Apartment Outside City Center (m2)

$2,633 €2,342

$3,157 $3,157

-16.60%

Average Monthly Net Salary (After Tax)

$1,198 €1,066

$5,121 $5,121

-76.60%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

6.79

-20.77%

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

Last update for Tivat: October 11, 2026

Last update for Austin, TX: October 12, 2026

Monthly budget structure

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

Accommodation & Living

Tivat

$791 48.1%

Austin, TX

$1.3K 47.8% 61.1% $483

Groceries & Markets

Tivat

$232 14.1%

Austin, TX

$405 15.2% 74.7% $173

Eating Out

Tivat

$186 11.3%

Austin, TX

$354 13.3% 90.4% $168

Monthly Utilities & Internet

Tivat

$176 10.7%

Austin, TX

$358 13.5% 103% $182

Clothing & Footwear

Tivat

$147 8.9%

Austin, TX

$128 4.8% 13% $19

Sport & Entertainment

Tivat

$59 3.6%

Austin, TX

$86 3.2% 45.2% $27

Getting Around

Tivat

$53 3.2%

Austin, TX

$59 2.2% 10.1% $5.4

Cost Breakdown

A one-bedroom apartment in the center runs $882 in Tivat and $1,907 in Austin, TX. Housing cost is often the main lever when comparing two cities.

Austin, TX pays 327% 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 $85.0 in Austin, TX for a mid-range dinner for two. Groceries echo the gap at $232 vs $405 per month, with Tivat cheaper across the board.

Good to know

🇲🇪 Tivat

🇺🇸 Austin, TX

🕒 Local time

08:53 8:53 AM

01:53 1:53 AM

7 h behind Tivat

🌤 Weather

👥 Population

9,500

974,447

💱 Currency

Euro EUR €

United States Dollar USD $

📈 Exchange rate

1 EUR = 1.12 USD

1 USD = 0.89 EUR

Exchange rates and currency converter

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Between locations

Tivat Austin, TX 9,650 km ≈ 13 h nonstop flight

From you

Tivat
Austin, TX

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

Tivat vs Austin, TX: Cost of Living - Frequently Asked Questions

Tivat wins on cost – living expenses run 62% lower than in Austin, TX. 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 327% lower in Austin, TX. 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 $1,907 in Austin, TX. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,644 per month in Tivat versus $2,663 in Austin, TX – a 62% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Tivat runs roughly 5% less than in Austin, TX. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,644 in Tivat versus $2,663 in Austin, TX, a $2,000 budget is realistic in Tivat but tight or insufficient in Austin, TX. 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 Austin, TX 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 62% less than in Austin, TX. Beyond cost, consider language, visa policies, and how big the international community is in each city.