Cost of Living Comparison Between Tivat and Niksic Cost of Living Comparison Between Tivat and Niksic

Monthly Cost of Living

Monthly costs for one person with rent: $1,689 in Tivat versus $1,024 in Niksic.

Estimated couple costs with rent: $2,558 in Tivat versus $1,524 in Niksic.

Monthly costs for a family of three with rent: $3,427 in Tivat versus $2,024 in Niksic.

Living in Tivat is roughly 65% more expensive than in Niksic, driven mainly by Eating Out.

The two cities straddle the global median: Tivat is 23% above, Niksic is 25% below.

Meal at Budget Restaurant

$11.49 €9.89

$8.11 €6.98

41.68%

Three-Course Dinner for Two, Mid-Range

$45.64 €39.27

$31.48 €27.09

44.98%

Fast Food Meal (McDonalds, etc)

$10.67 €9.18

$5.92 €5.10

80.24%

Cappuccino

$2.28 €1.96

$1.73 €1.49

31.79%

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

$2.72 €2.34

$1.98 €1.70

37.37%

Water (0.33 liter bottle)

$1.43 €1.23

$1.18 €1.02

21.19%

Local Beer (0.5 liter draught)

$3.25 €2.80

$2.04 €1.76

59.31%

Imported Beer (0.33 liter bottle)

$3.52 €3.03

$2.34 €2.01

50.43%

Milk (1 liter)

$1.43 €1.23

$1.11 €0.95

28.83%

White Bread (500g)

$1.13 €0.97

$0.90 €0.77

25.56%

Rice (white) (1kg)

$2.11 €1.82

$2.05 €1.76

2.93%

Eggs

$3.56 €3.07

$3.25 €2.80

9.54%

Local Cheese (1kg)

$9.01 €7.76

$7.86 €6.77

14.63%

Chicken Fillets (1kg)

$8.49 €7.31

$6.32 €5.44

34.34%

Beef Round Steak (1kg)

$12.51 €10.77

$11.23 €9.66

11.40%

Apples (1kg)

$1.68 €1.44

$1.14 €0.98

47.37%

Banana (1kg)

$1.75 €1.51

$1.28 €1.10

36.72%

Oranges (1kg)

$1.97 €1.70

$1.37 €1.18

43.80%

Tomato (1kg)

$2.89 €2.49

$2.11 €1.81

36.97%

Potato (1kg)

$1.01 €0.87

$0.95 €0.82

6.32%

Onion (1kg)

$1.16 €1.00

$1.09 €0.94

6.42%

Lettuce (1 head)

$1.72 €1.48

$1.09 €0.94

57.80%

Water (1.5 liter bottle)

$0.99 €0.85

$0.87 €0.75

13.79%

Cigarettes 20 Pack (Marlboro, Camel)

$4.46 €3.84

$4.39 €3.78

1.59%

Wine (Bottle)

$5.98 €5.14

$5.22 €4.49

14.56%

Local Beer (0.5 liter bottle)

$1.17 €1.00

$0.94 €0.81

24.47%

Imported Beer (0.33 liter bottle)

$1.89 €1.62

$1.15 €0.99

64.35%

One-way Ticket (Public Transport)

$1.72 €1.48

$1.18 €1.01

45.76%

Public Transport Monthly Pass (Regular Price)

$40.01 €34.43

$35.18 €30.27

13.73%

Taxi Start (Normal Tariff)

$1.17 €1.01

$0.56 €0.48

108.93%

Taxi (Normal Tariff) (1km)

$1.18 €1.01

$0.56 €0.48

110.71%

Taxi 1hour Waiting (Normal Tariff)

$11.58 €9.96

$7.67 €6.60

50.98%

Gasoline (1 liter)

$1.81 €1.56

$1.69 €1.46

7.10%

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

$30.6K €26.3K

$22.1K €19.1K

37.98%

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

$27.8K €23.9K

$26.7K €23.0K

4.17%

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

$133 €115

$124 €107

7.32%

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

$15.37 €13.23

$23.43 €20.16

-34.40%

Internet (50+ Mbps, Unlimited Data)

$34.95 €30.07

$24.60 €21.17

42.07%

Gym Membership (Monthly)

$49.87 €42.91

$34.21 €29.44

45.78%

Tennis Court (1 Hour on Weekend)

$16.07 €13.82

$10.79 €9.29

48.93%

Cinema Ticket

$6.37 €5.48

$5.90 €5.08

7.97%

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

$416 €358

$86.5 €74.5

381.03%

International Primary School, 1 Child (Yearly)

$7,613 €6,551

$4,701 €4,045

61.93%

Jeans (Levis 501 Or Similar)

$91.3 €78.6

$84.7 €72.9

7.83%

Summer Dress (H&M, Zara, etc)

$41.37 €35.60

$33.46 €28.79

23.64%

Sport Shoes (Adidas, Nike)

$101 €87.1

$92.8 €79.8

9.09%

Men's Leather Business Shoes

$116 €100

$115 €98.8

1.36%

1-bedroom Apartment, City Center (Monthly)

$924 €795

$432 €372

113.67%

1-bedroom Apartment, Outside City Center (Monthly)

$848 €730

$278 €239

205.28%

3-bedroom Apartment, City Center (Monthly)

$2,007 €1,727

$625 €538

220.96%

3-bedroom Apartment, Outside City Center (Monthly)

$1,442 €1,241

$431 €371

234.66%

Buy Apartment in City Center (m2)

$6,208 €5,342

$1,683 €1,448

268.98%

Buy Apartment Outside City Center (m2)

$2,765 €2,379

$1,240 €1,067

123.02%

Average Monthly Net Salary (After Tax)

$1,245 €1,071

$823 €708

51.33%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

5.5

-2.18%

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

Last update for Tivat: September 1, 2026

Last update for Niksic: August 31, 2026

Cost Breakdown

A one-bedroom apartment in the center runs $924 in Tivat and $432 in Niksic. Housing cost is often the main lever when comparing two cities.

Tivat pays 51% 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 $31.00 in Niksic for a mid-range dinner for two. Groceries echo the gap at $242 vs $197 per month, with Niksic cheaper across the board.

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 Niksic: Cost of Living - Frequently Asked Questions

Tivat and Niksic differ by about 65% in total monthly costs ($1,689 vs $1,024 including rent). Niksic is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

Average pay runs 51% 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: $924 in Tivat versus $432 in Niksic. Housing is usually the single largest factor when comparing overall living costs between the two.

All in, you'll spend $1,689 per month in Tivat versus $1,024 in Niksic – a 65% gap that adds up to real savings over time for anyone picking the cheaper option.

A monthly transit pass in Niksic runs roughly 14% less than in Tivat. Both cities have functional networks, but the price difference matters if you're watching your budget.

At $1,024 in Niksic versus $1,689 in Tivat, a $2,000 budget is realistic in Niksic but tight or insufficient in Tivat. The gap between the two cities makes Niksic 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 Niksic 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 Niksic gentler on the wallet – expenses run 65% less than in Tivat. Beyond cost, consider language, visa policies, and how big the international community is in each city.