Last update: Oct 2026

Cost of Living Comparison Between Tivat and Podgorica

For one person, living is cheaper in Podgorica: $1,331 a month against $1,657 in Tivat, rent and utilities included – about $3,900 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
64

Cost of Living Index in Podgorica
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Podgorica Living Index

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Tivat

🇲🇪 Montenegro

$1,657

/mo nomad

Podgorica

🇲🇪 Montenegro

$1,331

/mo nomad

Monthly Cost of Living

How much you'll spend in Tivat and in Podgorica

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

A single person spends $1,657 per month in Tivat vs $1,331 in Podgorica, rent included.

Tivat $1,657
Podgorica $1,331

A couple spends around $2,496 per month in Tivat vs $2,096 in Podgorica, rent included.

Tivat $2,496
Podgorica $2,096

A family of three spends $3,335 per month in Tivat vs $2,860 in Podgorica, rent included.

Tivat $3,335
Podgorica $2,860

Tivat costs about 24% more than Podgorica, and outside of rent the biggest gap is in groceries.

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

$11.20 €10.06

$11.27 €10.13

-0.62%

Three-Course Dinner for Two, Mid-Range

$44.43 €39.92

$44.27 €39.78

0.36%

Fast Food Meal (McDonalds, etc)

$10.41 €9.35

$10.56 €9.49

-1.42%

Cappuccino

$2.13 €1.91

$2.12 €1.91

0.47%

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

$2.51 €2.26

$2.48 €2.23

1.21%

Water (0.33 liter bottle)

$1.47 €1.32

$1.45 €1.31

1.38%

Local Beer (0.5 liter draught)

$3.03 €2.72

$3.15 €2.83

-3.81%

Imported Beer (0.33 liter bottle)

$3.43 €3.09

$3.31 €2.98

3.63%

Milk (1 liter)

$1.28 €1.15

$1.26 €1.13

1.59%

White Bread (500g)

$1.07 €0.96

$0.99 €0.89

8.08%

Rice (white) (1kg)

$1.91 €1.71

$1.99 €1.78

-4.02%

Eggs

$3.35 €3.01

$3.59 €3.22

-6.69%

Local Cheese (1kg)

$8.91 €8.01

$8.85 €7.95

0.68%

Chicken Fillets (1kg)

$8.43 €7.58

$8.08 €7.26

4.33%

Beef Round Steak (1kg)

$12.34 €11.09

$12.07 €10.84

2.24%

Apples (1kg)

$1.60 €1.44

$1.63 €1.46

-1.84%

Banana (1kg)

$1.76 €1.58

$1.72 €1.54

2.33%

Oranges (1kg)

$1.70 €1.53

$1.80 €1.62

-5.56%

Tomato (1kg)

$2.78 €2.50

$2.33 €2.09

19.31%

Potato (1kg)

$1.00 €0.90

$0.95 €0.85

5.26%

Onion (1kg)

$1.08 €0.97

$1.07 €0.96

0.93%

Lettuce (1 head)

$1.67 €1.50

$1.50 €1.35

11.33%

Water (1.5 liter bottle)

$1.09 €0.98

$0.83 €0.74

31.33%

Cigarettes 20 Pack (Marlboro, Camel)

$4.56 €4.10

$4.28 €3.85

6.54%

Wine (Bottle)

$8.90 €7.99

$5.72 €5.14

55.59%

Local Beer (0.5 liter bottle)

$1.14 €1.02

$1.07 €0.96

6.54%

Imported Beer (0.33 liter bottle)

$1.85 €1.66

$1.61 €1.45

14.91%

One-way Ticket (Public Transport)

$1.70 €1.53

$1.03 €0.92

65.05%

Public Transport Monthly Pass (Regular Price)

$39.27 €35.28

$32.90 €29.56

19.36%

Taxi Start (Normal Tariff)

$1.15 €1.04

$0.76 €0.68

51.32%

Taxi (Normal Tariff) (1km)

$1.10 €0.99

$0.81 €0.73

35.80%

Taxi 1hour Waiting (Normal Tariff)

$11.14 €10.01

$11.08 €9.95

0.54%

Gasoline (1 liter)

$1.72 €1.55

$1.89 €1.70

-8.99%

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

$28.0K €25.1K

$28.5K €25.6K

-1.84%

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

$26.0K €23.3K

$23.8K €21.3K

9.30%

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

$131 €118

$130 €117

0.65%

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

$14.87 €13.36

$18.48 €16.61

-19.53%

Internet (50+ Mbps, Unlimited Data)

$33.75 €30.32

$32.17 €28.90

4.91%

Gym Membership (Monthly)

$47.70 €42.86

$50.2 €45.14

-5.06%

Tennis Court (1 Hour on Weekend)

$15.54 €13.96

$13.34 €11.98

16.49%

Cinema Ticket

$6.03 €5.42

$6.61 €5.94

-8.77%

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

$399 €359

$343 €308

16.36%

International Primary School, 1 Child (Yearly)

$7,369 €6,621

$7,326 €6,583

0.58%

Jeans (Levis 501 Or Similar)

$86.7 €77.9

$85.9 €77.2

0.98%

Summer Dress (H&M, Zara, etc)

$39.08 €35.11

$46.72 €41.98

-16.35%

Sport Shoes (Adidas, Nike)

$99.5 €89.4

$98.1 €88.1

1.45%

Men's Leather Business Shoes

$106 €95.4

$105 €94.1

1.42%

1-bedroom Apartment, City Center (Monthly)

$874 €785

$663 €596

31.68%

1-bedroom Apartment, Outside City Center (Monthly)

$789 €709

$483 €434

63.50%

3-bedroom Apartment, City Center (Monthly)

$1,959 €1,760

$1,361 €1,223

43.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,414 €1,271

$976 €877

44.90%

Buy Apartment in City Center (m2)

$5,808 €5,218

$3,122 €2,805

86.00%

Buy Apartment Outside City Center (m2)

$2,699 €2,425

$2,388 €2,146

13.01%

Average Monthly Net Salary (After Tax)

$1,168 €1,050

$1,152 €1,035

1.41%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.38

5.22

3.07%

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

Last update for Tivat: October 24, 2026

Last update for Podgorica: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Tivat

$789 47.6%

Podgorica

$483 36.2% 38.8% $306

Groceries & Markets

Tivat

$242 14.6%

Podgorica

$226 17% 6.5% $16

Eating Out

Tivat

$184 11.1%

Podgorica

$186 13.9% 0.7% $1.2

Monthly Utilities & Internet

Tivat

$180 10.9%

Podgorica

$181 13.6% 0.7% $1.2

Clothing & Footwear

Tivat

$149 9%

Podgorica

$151 11.3% 1.2% $1.8

Sport & Entertainment

Tivat

$60 3.6%

Podgorica

$63 4.8% 6.2% $3.7

Getting Around

Tivat

$53 3.2%

Podgorica

$42 3.1% 20.7% $11

Cost Breakdown

A central one-bedroom costs $874 in Tivat versus $663 in Podgorica. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

A mid-range dinner for two costs $44 in Tivat versus $44 in Podgorica. Groceries tell a different story – $242 in Tivat vs $226 in Podgorica – so Podgorica wins on supermarket bills even if dining out costs more.

Good to know

🇲🇪 Tivat

🇲🇪 Podgorica

🕒 Local time

10:26 10:26 AM

Same time as Tivat

🌤 Weather

👥 Population

9,500

150,799 Capital

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.11 USD

Exchange rates and currency converter

On the map

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Between locations

Tivat Podgorica 46 km

From you

Tivat
Podgorica

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 Podgorica: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,657 in Tivat, $1,331 in Podgorica – roughly 24% apart. Outside of rent, the biggest gap is in groceries.

For a comfortable life, plan on about $2,485 per month in Tivat and $1,997 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: a one-bedroom in the center costs $663 there versus $874 in Tivat.

Public transport costs about 16% less in Podgorica. For daily commuters, that gap adds up to noticeable savings over a year.

Groceries cost about 7% more in Tivat, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

$2,000 covers both cities comfortably – all-in costs are $1,657 in Tivat and $1,331 in Podgorica, leaving budget for savings and extras in both cases.

Families tend to lean toward Podgorica – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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.