Last update: Oct 2026

Cost of Living Comparison Between Tivat and Herceg Novi

For one person, living is cheaper in Herceg Novi: $1,257 a month against $1,651 in Tivat, rent and utilities included – about $4,700 less a year. Rent and utilities account for most of the difference.

80

Cost of Living Index in Tivat
Learn more

Tivat Living Index
61

Cost of Living Index in Herceg Novi
Learn more

Herceg Novi Living Index

Jump to prices

Tivat

🇲🇪 Montenegro

$1,651

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,257

/mo nomad

Monthly Cost of Living

How much you'll spend in Tivat and in Herceg Novi

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

Monthly costs for one person with rent: $1,651 in Tivat versus $1,257 in Herceg Novi.

Tivat $1,651
Herceg Novi $1,257

Estimated couple costs with rent: $2,494 in Tivat versus $1,997 in Herceg Novi.

Tivat $2,494
Herceg Novi $1,997

Monthly costs for a family of three with rent: $3,338 in Tivat versus $2,737 in Herceg Novi.

Tivat $3,338
Herceg Novi $2,737

Living in Tivat is roughly 31% more expensive than in Herceg Novi, and outside of rent the biggest gap is in clothing.

The two cities straddle the global median: Tivat is 22% above, Herceg Novi is 7% below.

Meal at Budget Restaurant

$11.18 €9.95

$11.23 €9.99

-0.45%

Three-Course Dinner for Two, Mid-Range

$45.70 €40.65

$36.29 €32.28

25.93%

Fast Food Meal (McDonalds, etc)

$10.86 €9.66

$9.16 €8.15

18.56%

Cappuccino

$2.21 €1.97

$2.65 €2.36

-16.60%

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

$2.58 €2.30

$2.50 €2.23

3.20%

Water (0.33 liter bottle)

$1.40 €1.25

$1.63 €1.45

-14.11%

Local Beer (0.5 liter draught)

$3.17 €2.82

$2.84 €2.53

11.62%

Imported Beer (0.33 liter bottle)

$3.31 €2.94

$3.34 €2.97

-0.90%

Milk (1 liter)

$1.29 €1.14

$1.20 €1.07

7.50%

White Bread (500g)

$1.09 €0.97

$1.01 €0.90

7.92%

Rice (white) (1kg)

$1.94 €1.72

$2.93 €2.61

-33.79%

Eggs

$3.36 €2.99

$2.98 €2.65

12.75%

Local Cheese (1kg)

$8.92 €7.93

$9.02 €8.02

-1.11%

Chicken Fillets (1kg)

$8.07 €7.18

$7.43 €6.61

8.61%

Beef Round Steak (1kg)

$12.30 €10.94

$12.99 €11.56

-5.31%

Apples (1kg)

$1.62 €1.44

$1.33 €1.18

21.80%

Banana (1kg)

$1.68 €1.50

$1.57 €1.39

7.01%

Oranges (1kg)

$1.73 €1.54

$1.63 €1.45

6.13%

Tomato (1kg)

$2.88 €2.56

$2.96 €2.63

-2.70%

Potato (1kg)

$0.92 €0.82

$0.95 €0.85

-3.16%

Onion (1kg)

$1.12 €1.00

$1.29 €1.15

-13.18%

Lettuce (1 head)

$1.67 €1.48

$1.54 €1.37

8.44%

Water (1.5 liter bottle)

$0.89 €0.79

$0.95 €0.85

-6.32%

Cigarettes 20 Pack (Marlboro, Camel)

$4.34 €3.86

$4.00 €3.56

8.50%

Wine (Bottle)

$5.56 €4.94

$4.37 €3.89

27.23%

Local Beer (0.5 liter bottle)

$1.09 €0.97

$1.28 €1.14

-14.84%

Imported Beer (0.33 liter bottle)

$1.68 €1.49

$1.74 €1.55

-3.45%

One-way Ticket (Public Transport)

$1.71 €1.52

$1.64 €1.46

4.27%

Public Transport Monthly Pass (Regular Price)

$39.50 €35.14

$44.46 €39.55

-11.16%

Taxi Start (Normal Tariff)

$1.14 €1.01

$2.84 €2.53

-59.86%

Taxi (Normal Tariff) (1km)

$1.15 €1.02

$1.10 €0.97

4.55%

Taxi 1hour Waiting (Normal Tariff)

$11.35 €10.10

$17.09 €15.20

-33.59%

Gasoline (1 liter)

$1.79 €1.60

$1.72 €1.53

4.07%

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

$27.8K €24.7K

$32.3K €28.8K

-14.10%

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

$25.6K €22.8K

$21.4K €19.0K

19.66%

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

$127 €113

$136 €121

-6.50%

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

$15.03 €13.37

$13.14 €11.69

14.38%

Internet (50+ Mbps, Unlimited Data)

$33.55 €29.84

$33.88 €30.14

-0.97%

Gym Membership (Monthly)

$46.87 €41.69

$56.6 €50.3

-17.15%

Tennis Court (1 Hour on Weekend)

$15.38 €13.68

$11.39 €10.13

35.03%

Cinema Ticket

$6.00 €5.33

$7.81 €6.94

-23.18%

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

$407 €362

$444 €395

-8.31%

International Primary School, 1 Child (Yearly)

$7,455 €6,632

$7,024 €6,248

6.14%

Jeans (Levis 501 Or Similar)

$87.0 €77.4

$84.3 €75.0

3.26%

Summer Dress (H&M, Zara, etc)

$39.46 €35.10

$33.74 €30.01

16.95%

Sport Shoes (Adidas, Nike)

$97.8 €87.0

$72.7 €64.7

34.53%

Men's Leather Business Shoes

$104 €92.4

$95.8 €85.2

8.44%

1-bedroom Apartment, City Center (Monthly)

$884 €786

$651 €579

35.76%

1-bedroom Apartment, Outside City Center (Monthly)

$797 €709

$399 €355

99.92%

3-bedroom Apartment, City Center (Monthly)

$1,996 €1,775

$1,257 €1,118

58.81%

3-bedroom Apartment, Outside City Center (Monthly)

$1,433 €1,275

$888 €790

61.36%

Buy Apartment in City Center (m2)

$5,841 €5,196

$3,685 €3,278

58.52%

Buy Apartment Outside City Center (m2)

$2,688 €2,391

$2,421 €2,153

11.01%

Average Monthly Net Salary (After Tax)

$1,214 €1,080

$1,031 €917

17.77%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

7.60%

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

Last update for Tivat: October 19, 2026

Last update for Herceg Novi: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Tivat

$797 48.3%

Herceg Novi

$399 31.7% 50% $398

Groceries & Markets

Tivat

$231 14%

Herceg Novi

$228 18.1% 1.1% $2.6

Eating Out

Tivat

$187 11.3%

Herceg Novi

$187 14.8% 0.2% $0.4

Monthly Utilities & Internet

Tivat

$176 10.7%

Herceg Novi

$183 14.6% 4.1% $7.3

Clothing & Footwear

Tivat

$148 9%

Herceg Novi

$129 10.3% 12.7% $19

Sport & Entertainment

Tivat

$59 3.6%

Herceg Novi

$72 5.7% 22.6% $13

Getting Around

Tivat

$53 3.2%

Herceg Novi

$59 4.7% 11.5% $6.1

Cost Breakdown

A one-bedroom apartment in the center runs $884 in Tivat and $651 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Tivat pays 18% 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: $46.00 in Tivat vs $36.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $231 vs $228 per month, with Herceg Novi cheaper across the board.

Good to know

🇲🇪 Tivat

🇲🇪 Herceg Novi

🕒 Local time

10:47 10:47 AM

Same time as Tivat

🌤 Weather

👥 Population

9,500

11,059

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

Lowest

Highest

Between locations

Tivat Herceg Novi 14 km

From you

Tivat
Herceg Novi

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 Herceg Novi: Cost of Living - Frequently Asked Questions

Tivat and Herceg Novi differ by about 31% in total monthly costs ($1,651 vs $1,257 including rent). Herceg Novi is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 18% higher in Tivat, 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: $884 in Tivat versus $651 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 1% higher in Tivat. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Herceg Novi – a meal for two runs $36.00 versus $46.00 in Tivat. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,257 in Herceg Novi versus $1,651 in Tivat, a $2,000 budget is realistic in Herceg Novi but tight or insufficient in Tivat. The gap between the two cities makes Herceg Novi 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, Tivat and Herceg Novi 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 Herceg Novi gentler on the wallet – expenses run 31% less than in Tivat. Beyond cost, consider language, visa policies, and how big the international community is in each city.