Cost of Living Comparison Between Tivat and Podgorica Cost of Living Comparison Between Tivat and Podgorica

Monthly Cost of Living

A single person spends $1,623 per month in Tivat vs $1,304 in Podgorica, rent included.

A couple spends around $2,430 per month in Tivat vs $1,983 in Podgorica, rent included.

A family of three spends $3,237 per month in Tivat vs $2,662 in Podgorica, rent included.

Tivat costs about 24% more than Podgorica, driven mainly by Eating Out.

Tivat sits 22% above the global median, while Podgorica is 2% below – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$13.97 €12.18

$9.62 €8.39

45.22%

Three-Course Dinner for Two, Mid-Range

$45.79 €39.92

$47.16 €41.12

-2.91%

Fast Food Meal (McDonalds, etc)

$9.90 €8.63

$9.46 €8.25

4.65%

Cappuccino

$2.88 €2.51

$2.11 €1.84

36.49%

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

$2.14 €1.86

$2.35 €2.05

-8.94%

Water (0.33 liter bottle)

$1.44 €1.25

$1.39 €1.21

3.60%

Local Beer (0.5 liter draught)

$2.81 €2.45

Imported Beer (0.33 liter bottle)

$3.38 €2.95

$3.48 €3.03

-2.87%

Milk (1 liter)

$1.37 €1.20

$1.36 €1.18

0.74%

White Bread (500g)

$1.09 €0.95

$1.00 €0.87

9.00%

Rice (white) (1kg)

$2.41 €2.10

$2.38 €2.08

1.26%

Eggs

$3.20 €2.79

$3.24 €2.82

-1.23%

Local Cheese (1kg)

$8.83 €7.70

$8.62 €7.52

2.44%

Chicken Fillets (1kg)

$8.15 €7.11

$8.30 €7.23

-1.81%

Beef Round Steak (1kg)

$11.78 €10.27

$12.06 €10.52

-2.32%

Apples (1kg)

$1.46 €1.27

$1.45 €1.26

0.69%

Banana (1kg)

$1.76 €1.53

$1.72 €1.50

2.33%

Oranges (1kg)

$1.69 €1.48

$1.66 €1.45

1.81%

Tomato (1kg)

$2.83 €2.47

$2.57 €2.24

10.12%

Potato (1kg)

$1.09 €0.95

$1.03 €0.90

5.83%

Onion (1kg)

$1.19 €1.04

$1.16 €1.01

2.59%

Lettuce (1 head)

$1.93 €1.68

$1.86 €1.62

3.76%

Water (1.5 liter bottle)

$1.23 €1.07

$0.79 €0.69

55.70%

Cigarettes 20 Pack (Marlboro, Camel)

$4.25 €3.71

$4.13 €3.60

2.91%

Wine (Bottle)

$6.94 €6.05

$5.81 €5.06

19.45%

Local Beer (0.5 liter bottle)

$1.23 €1.08

$1.05 €0.91

17.14%

Imported Beer (0.33 liter bottle)

$1.89 €1.65

$1.86 €1.62

1.61%

One-way Ticket (Public Transport)

$1.69 €1.47

$1.03 €0.89

64.08%

Public Transport Monthly Pass (Regular Price)

$40.75 €35.53

$34.78 €30.32

17.17%

Taxi Start (Normal Tariff)

$1.19 €1.04

$0.66 €0.57

80.30%

Taxi (Normal Tariff) (1km)

$1.01 €0.88

$0.75 €0.65

34.67%

Taxi 1hour Waiting (Normal Tariff)

$11.55 €10.07

$11.75 €10.24

-1.70%

Gasoline (1 liter)

$1.72 €1.50

$1.67 €1.45

2.99%

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

$28.9K €25.2K

$29.5K €25.7K

-2.07%

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

$28.5K €24.9K

$32.5K €28.3K

-12.32%

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

$139 €122

$115 €101

20.76%

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

$18.34 €15.99

$18.16 €15.83

0.99%

Internet (50+ Mbps, Unlimited Data)

$32.49 €28.32

$32.45 €28.29

0.12%

Gym Membership (Monthly)

$51.4 €44.82

$44.81 €39.07

14.73%

Tennis Court (1 Hour on Weekend)

$16.00 €13.95

$13.83 €12.06

15.69%

Cinema Ticket

$5.80 €5.06

$5.96 €5.20

-2.68%

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

$421 €367

$286 €249

47.40%

International Primary School, 1 Child (Yearly)

$10.1K €8,827

$7,453 €6,498

35.84%

Jeans (Levis 501 Or Similar)

$82.7 €72.1

$83.7 €73.0

-1.23%

Summer Dress (H&M, Zara, etc)

$38.19 €33.30

$45.82 €39.95

-16.65%

Sport Shoes (Adidas, Nike)

$109 €95.3

$96.1 €83.8

13.69%

Men's Leather Business Shoes

$128 €112

$109 €95.3

17.25%

1-bedroom Apartment, City Center (Monthly)

$1,079 €941

$641 €559

68.31%

1-bedroom Apartment, Outside City Center (Monthly)

$685 €598

$495 €431

38.49%

3-bedroom Apartment, City Center (Monthly)

$2,016 €1,758

$1,155 €1,007

74.57%

3-bedroom Apartment, Outside City Center (Monthly)

$1,163 €1,014

$849 €740

37.06%

Buy Apartment in City Center (m2)

$5,885 €5,130

$3,092 €2,695

90.34%

Buy Apartment Outside City Center (m2)

$2,688 €2,343

$2,378 €2,073

13.04%

Average Monthly Net Salary (After Tax)

$1,195 €1,042

$1,162 €1,013

2.82%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.73

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

Last update for Tivat: July 25, 2026

Last update for Podgorica: July 26, 2026

Cost Breakdown

A central one-bedroom costs $1,079 in Tivat versus $641 in Podgorica. 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 3% higher in Tivat, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $46.00 in Tivat versus $47.00 in Podgorica. Groceries tell a different story – $240 in Tivat vs $230 in Podgorica – so Podgorica wins on supermarket bills even if dining out costs more.

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 Podgorica: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,623 in Tivat, $1,304 in Podgorica – roughly 24% apart. Tivat costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $2,435 per month in Tivat and $1,956 in Podgorica. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Kindergarten costs $421 per month in Tivat and $286 in Podgorica. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Groceries cost about 5% more in Tivat, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A $2,000 monthly budget goes further in Podgorica, where all-in costs run around $1,304, than in Tivat at $1,623. In Podgorica it covers expenses comfortably, while in Tivat it requires careful planning or may not stretch far enough.

It depends on your priorities. Tivat has an edge in some lifestyle areas, with costs from $1,304 in Podgorica to $1,623 in Tivat. Climate, culture, job market, and personal taste all factor in.

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 Podgorica. 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.