Can foreign nationals buy property in Montenegro?

Montenegro allows both EU and non-EU citizens to own real estate in their own name, with some restrictions on certain types of land.  You can normally buy directly as an individual:

• Apartments and houses in urban areas  
• Commercial premises (shops, offices, etc.)
• Urban construction land that is zoned for building and included in detailed urban plans

Foreigners are treated broadly the same as Montenegrin citizens for these asset types, subject to standard due diligence and registration in the Real Estate Cadastre.  There are restrictions on:

• Certain categories of agricultural and forest land, especially above a defined size
• Some border and strategic zones  
• Land and properties in protected areas or cultural-heritage zones  

For larger agricultural holdings or more complex developments, foreigners often incorporate a Montenegrin company and buy the land through the company, which is treated as a domestic legal entity.  

Important: Ownership is not the same as residency. You can own property without any residence permit. If you want residency on the basis of property, the dwelling must be legally registered and, under current rules, needs to meet a minimum value threshold of €200,000.