Kotor, Montenegro
A UNESCO World Heritage coastal town in Montenegro, known for its stunning Bay of Kotor, medieval old town, and the fortress of St. John.
Overview
Kotor is a city in Kotor with a population of 13,000. A UNESCO World Heritage coastal town in Montenegro, known for its stunning Bay of Kotor, medieval old town, and the fortress of St. John. Housing is more affordable than the national average. The overall cost of living is below the national average. Gardening thrives here — the 6a growing zone supports Cool to mild — apples, pears, berries, many vegetables. The city enjoys abundant sunshine, with about 250 sunny days a year. Reported crime rates are relatively low.
Last updated: August 30, 2026
Below Average vs Montenegro Avg (100)
Affordable
Household income
Job market health
Kotor vs Montenegro Average
Taxes
- State Income Tax: 9.0%
- Sales Tax: 21.0%
Economy & Jobs
- Median Income: €12,500
- Unemployment: 10.5%
- Population: 13,000
Climate
- Sunny Days: 250/year
- Summer High: 86°F
- Winter Low: 38°F
- Farming Zone: USDA Zone 6a
Housing
- Median Home: €220,000
- 1BR Rent: €650/mo
Cost of Living
Kotor's cost of living index is 78 (Montenegro average = 100).
| Category | Kotor | National Average | Difference |
|---|---|---|---|
| Overall | 78 | 100 | -22.0% |
| Housing | 75 | 100 | -25.0% |
Data source: MONSTAT / Numbeo, 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | €220,000 |
| Median Rent (1BR) | €650/mo |
| Median Rent (2BR) | €813/mo |
| Price per Sq Ft | €146 |
Data source: Nekretnine.me / Numbeo, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Kotor:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | €30 | |
| Heating & Cooling | €74 | Estimated based on local climate. |
| Cooling (AC) | €1 | Estimated based on local climate and electricity rates |
| Water | €15 | Includes sewer |
| Internet (100+ Mbps) | €25 | Broadband average |
| Garbage / Trash | Included in taxes | Municipal service (covered by property taxes) |
| Total Utilities | €145 | Monthly estimate (including heating & cooling) |
Data sources: REGAGEN, EPCG, Crnogorski Telekom 2025
Remote Work Score
Kotor scores —/100 for remote work readiness:
Climate
Kotor has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 58°F | 38°F | 2.5" |
| April | 71°F | 53°F | 2.8" |
| July | 86°F | 61°F | 1.5" |
| October | 66°F | 56°F | 2.2" |
Cool to mild — apples, pears, berries, many vegetables
Natural Hazards
Kotor faces the following natural hazards:
Extreme summer heat.
Moderate seismic activity with occasional earthquakes.
Adriatic coast with wildfire risk.
Dinaric Alps with landslides.
Montenegro experiences winter storms.
Dinaric Alps with avalanches.
Based on historical records and geographic risk assessment.
Taxes
- State Income Tax: 9%
- Sales Tax: 21%
- Property Tax: ~0.3% of assessed value
Economy & Jobs
Major industries include technology, healthcare, education, and manufacturing. The unemployment rate is 10.5%.
Crime & Safety
Crime rates in Kotor per 100,000 residents:
City-level crime data is not available for this location. The figure shown is the national average, which may differ significantly from actual conditions in this city.
Data source: Eurostat
Schools & Education
Academic Schedule
Standard academic calendar.
Demographics
The population of Kotor is diverse. The figures below show the ethnic, educational, and religious composition of the local population.
Ethnicity
Education
Religion
City-level demographic data is not available for this location. The figures shown are national averages, which may differ from actual conditions in this city.
Data source: Statistical Office of Montenegro (MONSTAT) (2021)
Important Disclaimer: All data on this page is for informational purposes only and does not constitute financial, legal, tax, or real estate advice. URCity and Northshore Press are not financial advisors, tax professionals, or real estate agents. Always consult qualified professionals before making relocation or financial decisions.
Frequently Asked Questions
What is the cost of living in Kotor, Montenegro?
The cost of living index in Kotor is 78, which is Lower the Montenegro national average of 100.
How much does it cost to buy a home in Kotor?
The median home price in Kotor is €220,000. The housing index is 75.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Kotor is approximately €650/mo.
Does Kotor, Kotor have income tax?
Kotor is in Kotor, which has an income tax rate of 9%.
What is the climate like in Kotor?
Kotor enjoys approximately 250 sunny days per year. Summer highs reach around 86°F, while winter lows can drop to around 38°F.
Data Sources
- Cost of Living: MONSTAT / Numbeo, 2026
- Housing Data: Nekretnine.me / Numbeo, 2026
- Income & Employment: MONSTAT Labour Force Survey, 2024
- Utilities REGAGEN, EPCG, Crnogorski Telekom 2025
Data last updated: September 13, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.