Last update: Oct 2026

Cost of Living Comparison Between Zabljak and Herceg Novi

For one person, living is cheaper in Zabljak: $1,128 a month against $1,257 in Herceg Novi, rent and utilities included – about $1,500 less a year. The total is higher in Herceg Novi despite lower rent and utilities.

55

Cost of Living Index in Zabljak
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Zabljak Living Index
61

Cost of Living Index in Herceg Novi
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Herceg Novi Living Index

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Zabljak

🇲🇪 Montenegro

$1,128

/mo nomad

Herceg Novi

🇲🇪 Montenegro

$1,257

/mo nomad

Monthly Cost of Living

How much you'll spend in Zabljak 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 Zabljak and in Herceg Novi actually costs, broken down by who's living it.

Monthly costs for one person with rent: $1,128 in Zabljak versus $1,257 in Herceg Novi.

Zabljak $1,128
Herceg Novi $1,257

Estimated couple costs with rent: $1,769 in Zabljak versus $1,997 in Herceg Novi.

Zabljak $1,769
Herceg Novi $1,997

Monthly costs for a family of three with rent: $2,410 in Zabljak versus $2,737 in Herceg Novi.

Zabljak $2,410
Herceg Novi $2,737

Living in Zabljak costs roughly 10% less than in Herceg Novi, and outside of rent the biggest gap is in clothing.

Both cities sit below the global median: Zabljak 17% lower, Herceg Novi 7% lower.

Meal at Budget Restaurant

$7.95 €7.08

$11.23 €9.99

-29.21%

Three-Course Dinner for Two, Mid-Range

$31.82 €28.30

$36.29 €32.28

-12.32%

Fast Food Meal (McDonalds, etc)

$6.55 €5.82

$9.16 €8.15

-28.49%

Cappuccino

$1.63 €1.45

$2.65 €2.36

-38.49%

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

$2.24 €2.00

$2.50 €2.23

-10.40%

Water (0.33 liter bottle)

$1.45 €1.29

$1.63 €1.45

-11.04%

Local Beer (0.5 liter draught)

$3.00 €2.66

$2.84 €2.53

5.63%

Imported Beer (0.33 liter bottle)

$3.54 €3.15

$3.34 €2.97

5.99%

Milk (1 liter)

$1.27 €1.13

$1.20 €1.07

5.83%

White Bread (500g)

$0.65 €0.57

$1.01 €0.90

-35.64%

Rice (white) (1kg)

$1.31 €1.17

$2.93 €2.61

-55.29%

Eggs

$2.97 €2.64

$2.98 €2.65

-0.34%

Local Cheese (1kg)

$7.08 €6.30

$9.02 €8.02

-21.51%

Chicken Fillets (1kg)

$7.22 €6.42

$7.43 €6.61

-2.83%

Beef Round Steak (1kg)

$12.23 €10.88

$12.99 €11.56

-5.85%

Apples (1kg)

$1.32 €1.17

$1.33 €1.18

-0.75%

Banana (1kg)

$1.67 €1.49

$1.57 €1.39

6.37%

Oranges (1kg)

$1.51 €1.34

$1.63 €1.45

-7.36%

Tomato (1kg)

$1.41 €1.26

$2.96 €2.63

-52.36%

Potato (1kg)

$0.65 €0.58

$0.95 €0.85

-31.58%

Onion (1kg)

$0.70 €0.62

$1.29 €1.15

-45.74%

Lettuce (1 head)

$0.91 €0.81

$1.54 €1.37

-40.91%

Water (1.5 liter bottle)

$0.96 €0.86

$0.95 €0.85

1.05%

Cigarettes 20 Pack (Marlboro, Camel)

$4.01 €3.57

$4.00 €3.56

0.25%

Wine (Bottle)

$4.41 €3.92

$4.37 €3.89

0.92%

Local Beer (0.5 liter bottle)

$1.07 €0.95

$1.28 €1.14

-16.41%

Imported Beer (0.33 liter bottle)

$1.73 €1.54

$1.74 €1.55

-0.57%

One-way Ticket (Public Transport)

$1.63 €1.45

$1.64 €1.46

-0.61%

Public Transport Monthly Pass (Regular Price)

$39.55 €35.18

$44.46 €39.55

-11.04%

Taxi Start (Normal Tariff)

$1.14 €1.02

$2.84 €2.53

-59.86%

Taxi (Normal Tariff) (1km)

$0.64 €0.57

$1.10 €0.97

-41.82%

Taxi 1hour Waiting (Normal Tariff)

$17.00 €15.12

$17.09 €15.20

-0.53%

Gasoline (1 liter)

$1.77 €1.57

$1.72 €1.53

2.91%

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

$29.3K €26.1K

$32.3K €28.8K

-9.30%

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

$25.6K €22.7K

$21.4K €19.0K

19.51%

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

$113 €101

$136 €121

-16.88%

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

$15.02 €13.36

$13.14 €11.69

14.31%

Internet (50+ Mbps, Unlimited Data)

$22.02 €19.58

$33.88 €30.14

-35.01%

Gym Membership (Monthly)

$46.30 €41.18

$56.6 €50.3

-18.15%

Tennis Court (1 Hour on Weekend)

$14.72 €13.10

$11.39 €10.13

29.24%

Cinema Ticket

$6.21 €5.53

$7.81 €6.94

-20.49%

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

$392 €349

$444 €395

-11.61%

International Primary School, 1 Child (Yearly)

$9,812 €8,728

$7,024 €6,248

39.69%

Jeans (Levis 501 Or Similar)

$22.65 €20.15

$84.3 €75.0

-73.12%

Summer Dress (H&M, Zara, etc)

$27.47 €24.43

$33.74 €30.01

-18.58%

Sport Shoes (Adidas, Nike)

$55.0 €48.89

$72.7 €64.7

-24.38%

Men's Leather Business Shoes

$67.7 €60.2

$95.8 €85.2

-29.32%

1-bedroom Apartment, City Center (Monthly)

$645 €573

$651 €579

-0.99%

1-bedroom Apartment, Outside City Center (Monthly)

$455 €405

$399 €355

14.08%

3-bedroom Apartment, City Center (Monthly)

$1,277 €1,135

$1,257 €1,118

1.58%

3-bedroom Apartment, Outside City Center (Monthly)

$937 €834

$888 €790

5.50%

Buy Apartment in City Center (m2)

$3,324 €2,956

$3,685 €3,278

-9.80%

Buy Apartment Outside City Center (m2)

$2,357 €2,097

$2,421 €2,153

-2.62%

Average Monthly Net Salary (After Tax)

$801 €713

$1,031 €917

-22.28%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.95

19.00%

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

Last update for Zabljak: October 18, 2026

Last update for Herceg Novi: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Zabljak

$455 40.3%

Herceg Novi

$399 31.7% 12.3% $56

Groceries & Markets

Zabljak

$196 17.4%

Herceg Novi

$228 18.1% 16.2% $32

Monthly Utilities & Internet

Zabljak

$150 13.3%

Herceg Novi

$183 14.6% 21.9% $33

Eating Out

Zabljak

$140 12.4%

Herceg Novi

$187 14.8% 33.6% $47

Clothing & Footwear

Zabljak

$78 6.9%

Herceg Novi

$129 10.3% 65.8% $51

Sport & Entertainment

Zabljak

$59 5.2%

Herceg Novi

$72 5.7% 22.9% $13

Getting Around

Zabljak

$50 4.5%

Herceg Novi

$59 4.7% 17.7% $8.9

Cost Breakdown

A one-bedroom apartment in the center runs $645 in Zabljak and $651 in Herceg Novi. Housing cost is often the main lever when comparing two cities.

Herceg Novi pays 29% 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: $32.00 in Zabljak vs $36.00 in Herceg Novi for a mid-range dinner for two. Groceries echo the gap at $196 vs $228 per month, with Zabljak cheaper across the board.

Good to know

🇲🇪 Zabljak

🇲🇪 Herceg Novi

🕒 Local time

04:50 4:50 AM

Same time as Zabljak

🌤 Weather

👥 Population

1,900

11,059

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Zabljak Herceg Novi 92 km

From you

Zabljak
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

Zabljak vs Herceg Novi: Cost of Living - Frequently Asked Questions

Zabljak and Herceg Novi differ by about 11% in total monthly costs ($1,128 vs $1,257 including rent). Zabljak is meaningfully more affordable – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 29% lower in Herceg Novi. That's worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Rent for a central apartment: $645 in Zabljak versus $651 in Herceg Novi. Housing is usually the single largest factor when comparing overall living costs between the two.

Supermarket bills run roughly 16% higher in Herceg Novi. For households that cook at home regularly, that difference adds up over a month.

Dining out is cheaper in Zabljak – a meal for two runs $32.00 versus $36.00 in Herceg Novi. If you eat out regularly, this makes a real dent in your monthly spending.

At $1,128 in Zabljak versus $1,257 in Herceg Novi, a $2,000 budget is realistic in Zabljak but tight or insufficient in Herceg Novi. The gap between the two cities makes Zabljak 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, Zabljak 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 Zabljak gentler on the wallet – expenses run 11% less than in Herceg Novi. Beyond cost, consider language, visa policies, and how big the international community is in each city.