Last update: Oct 2026

Cost of Living Comparison Between Tivat and Cakovec

For one person, living is cheaper in Cakovec: $1,335 a month against $1,651 in Tivat, rent and utilities included – about $3,800 less a year. Higher rent and utilities in Tivat outweigh lower spending on other living expenses.

80

Cost of Living Index in Tivat
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Tivat Living Index
64

Cost of Living Index in Cakovec
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Cakovec Living Index

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Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Cakovec

🇭🇷 Croatia

$1,335

/mo nomad

Monthly Cost of Living

How much you'll spend in Tivat and in Cakovec

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

A single person spends $1,651 per month in Tivat vs $1,335 in Cakovec, rent included.

Tivat $1,651
Cakovec $1,335

A couple spends around $2,494 per month in Tivat vs $1,949 in Cakovec, rent included.

Tivat $2,494
Cakovec $1,949

A family of three spends $3,338 per month in Tivat vs $2,564 in Cakovec, rent included.

Tivat $3,338
Cakovec $2,564

Tivat costs about 24% more than Cakovec, and outside of rent the biggest gap is in eating out.

Tivat sits 22% above the global median, while Cakovec is 1% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.18 €9.95

$7.07 €6.29

58.13%

Three-Course Dinner for Two, Mid-Range

$45.70 €40.65

$44.58 €39.65

2.51%

Fast Food Meal (McDonalds, etc)

$10.86 €9.66

$7.98 €7.10

36.09%

Cappuccino

$2.21 €1.97

$2.17 €1.93

1.84%

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

$2.58 €2.30

$2.08 €1.85

24.04%

Water (0.33 liter bottle)

$1.40 €1.25

$1.72 €1.53

-18.60%

Local Beer (0.5 liter draught)

$3.17 €2.82

$2.54 €2.26

24.80%

Imported Beer (0.33 liter bottle)

$3.31 €2.94

$3.28 €2.92

0.91%

Milk (1 liter)

$1.29 €1.14

$1.21 €1.08

6.61%

White Bread (500g)

$1.09 €0.97

$1.60 €1.42

-31.87%

Rice (white) (1kg)

$1.94 €1.72

$3.35 €2.98

-42.09%

Eggs

$3.36 €2.99

$3.47 €3.09

-3.17%

Local Cheese (1kg)

$8.92 €7.93

$15.98 €14.21

-44.18%

Chicken Fillets (1kg)

$8.07 €7.18

$10.35 €9.20

-22.03%

Beef Round Steak (1kg)

$12.30 €10.94

$9.97 €8.87

23.37%

Apples (1kg)

$1.62 €1.44

$1.63 €1.45

-0.61%

Banana (1kg)

$1.68 €1.50

$1.75 €1.56

-4.00%

Oranges (1kg)

$1.73 €1.54

$1.58 €1.41

9.49%

Tomato (1kg)

$2.88 €2.56

$1.61 €1.43

78.88%

Potato (1kg)

$0.92 €0.82

$1.38 €1.22

-33.33%

Onion (1kg)

$1.12 €1.00

$1.32 €1.17

-15.15%

Lettuce (1 head)

$1.67 €1.48

$0.82 €0.73

103.66%

Water (1.5 liter bottle)

$0.89 €0.79

$1.35 €1.20

-34.07%

Cigarettes 20 Pack (Marlboro, Camel)

$4.34 €3.86

$5.43 €4.83

-20.07%

Wine (Bottle)

$5.56 €4.94

$7.49 €6.66

-25.77%

Local Beer (0.5 liter bottle)

$1.09 €0.97

$1.26 €1.12

-13.49%

Imported Beer (0.33 liter bottle)

$1.68 €1.49

$1.92 €1.71

-12.50%

One-way Ticket (Public Transport)

$1.71 €1.52

$2.35 €2.09

-27.23%

Public Transport Monthly Pass (Regular Price)

$39.50 €35.14

$61.9 €55.1

-36.19%

Taxi Start (Normal Tariff)

$1.14 €1.01

$5.60 €4.98

-79.64%

Taxi (Normal Tariff) (1km)

$1.15 €1.02

$1.38 €1.23

-16.67%

Taxi 1hour Waiting (Normal Tariff)

$11.35 €10.10

$11.21 €9.98

1.25%

Gasoline (1 liter)

$1.79 €1.60

$1.68 €1.50

6.55%

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

$27.8K €24.7K

$26.2K €23.3K

6.10%

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

$25.6K €22.8K

$24.7K €21.9K

3.81%

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

$127 €113

$190 €169

-32.86%

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

$15.03 €13.37

$18.04 €16.05

-16.69%

Internet (50+ Mbps, Unlimited Data)

$33.55 €29.84

$33.29 €29.61

0.78%

Gym Membership (Monthly)

$46.87 €41.69

$52.6 €46.80

-10.93%

Tennis Court (1 Hour on Weekend)

$15.38 €13.68

$22.41 €19.93

-31.37%

Cinema Ticket

$6.00 €5.33

$7.94 €7.07

-24.43%

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

$407 €362

$129 €115

215.60%

International Primary School, 1 Child (Yearly)

$7,455 €6,632

$8,329 €7,409

-10.49%

Jeans (Levis 501 Or Similar)

$87.0 €77.4

$97.2 €86.4

-10.44%

Summer Dress (H&M, Zara, etc)

$39.46 €35.10

$41.05 €36.51

-3.87%

Sport Shoes (Adidas, Nike)

$97.8 €87.0

$86.9 €77.3

12.55%

Men's Leather Business Shoes

$104 €92.4

$108 €96.2

-3.98%

1-bedroom Apartment, City Center (Monthly)

$884 €786

$480 €427

84.07%

1-bedroom Apartment, Outside City Center (Monthly)

$797 €709

$381 €339

109.11%

3-bedroom Apartment, City Center (Monthly)

$1,996 €1,775

$691 €615

188.79%

3-bedroom Apartment, Outside City Center (Monthly)

$1,433 €1,275

$518 €461

176.50%

Buy Apartment in City Center (m2)

$5,841 €5,196

$3,160 €2,810

84.88%

Buy Apartment Outside City Center (m2)

$2,688 €2,391

$2,235 €1,988

20.25%

Average Monthly Net Salary (After Tax)

$1,214 €1,080

$1,295 €1,152

-6.23%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

3.73

44.24%

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

Last update for Tivat: October 19, 2026

Last update for Cakovec: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Tivat

$797 48.3%

Cakovec

$381 28.6% 52.2% $416

Groceries & Markets

Tivat

$231 14%

Cakovec

$269 20.2% 16.7% $39

Eating Out

Tivat

$187 11.3%

Cakovec

$141 10.6% 24.5% $46

Monthly Utilities & Internet

Tivat

$176 10.7%

Cakovec

$241 18.1% 37% $65

Clothing & Footwear

Tivat

$148 9%

Cakovec

$150 11.2% 1.6% $2.3

Sport & Entertainment

Tivat

$59 3.6%

Cakovec

$69 5.1% 16.4% $9.6

Getting Around

Tivat

$53 3.2%

Cakovec

$84 6.3% 57.4% $31

Cost Breakdown

A central one-bedroom costs $884 in Tivat versus $480 in Cakovec. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 7% higher in Cakovec, which reinforces the cost advantage – you earn more and spend less. Purchasing power leans clearly in its favor.

A mid-range dinner for two costs $46.00 in Tivat versus $45.00 in Cakovec. Groceries tell a different story – $231 in Tivat vs $269 in Cakovec – so Tivat wins on supermarket bills even if dining out costs more.

Good to know

🇲🇪 Tivat

🇭🇷 Cakovec

🕒 Local time

15:16 3:16 PM

Same time as Tivat

🌤 Weather

👥 Population

9,500

27,122

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Tivat Cakovec 480 km

From you

Tivat
Cakovec

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 Cakovec: Cost of Living - Frequently Asked Questions

Tivat costs about 24% more than Cakovec, and outside of rent the gap comes mainly from eating out. That's enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $2,476 per month in Tivat and $2,002 in Cakovec. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Cakovec, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Interestingly, groceries are about 17% cheaper in Tivat – one category where the pricier city actually offers better value, probably thanks to stronger retail competition or local farming.

A mid-range dinner for two costs $46.00 in Tivat and $45.00 in Cakovec. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $1,000 monthly budget goes further in Cakovec, where all-in costs run around $1,335, than in Tivat at $1,651. In Cakovec it covers expenses comfortably, while in Tivat it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Cakovec costs $1,335 versus $1,651 in Tivat. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

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.

If budget matters most, go with Cakovec. If higher salaries, better infrastructure, or specific career opportunities are the priority, Tivat makes more sense. Both are solid long-term options with distinct trade-offs.