What's the cost of living really like compared with the UK, EU, or US?

Montenegro offers a notably lower cost of living than most Western European countries and the US, though costs vary by location and lifestyle.

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Typical monthly costs (coastal areas, 2025):  

• Groceries: €300-500 for a couple; local produce and basics are affordable, but imported brands cost more  
• Dining out: €10-20 per person for a good meal; €30-50 for upscale dining  
• Utilities (2-bed apartment): Electricity ~€150/month, water ~€20/month, internet/telecoms ~€30/month.
• Broadband speeds: 20 Mbps in copper areas, 200 Mbps in expanding fiber-optic zones  
• Private health insurance: Local coverage ~€150/month; international coverage (Bupa, Alliance) ~€300-400/month  
• Gym/fitness: €30-60/month  
• International school (if applicable): €4,000-12,000/year depending on school and age.
• Local private kindergartens (e.g. NCT Montessori-style): ~€250/month including transport, meals; extra-curricular ~€30/month additional  Comparison to Western markets: - 30-40% cheaper than London, Munich, or Paris for daily living - 40-50% cheaper than major US cities (New York, San Francisco, Boston) - Roughly comparable to parts of Spain, Portugal, or southern Italy  
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Important notes: -

• Coastal property prices (especially Tivat, Kotor) have risen significantly
• Imported goods, electronics, and branded products cost similar to or more than in the EU
• Seasonal variation: summer months see price increases in tourist areas