Tivat, Montenegro
A glamorous coastal town on the Bay of Kotor, home to the Porto Montenegro marina, luxury yachts, and a vibrant nautical tourism scene.
Below Average vs Montenegro Avg (100)
Affordable
Household income
Job market health
Tivat vs Montenegro Average
Taxes
- State Income Tax: 9.0%
- Sales Tax: 21.0%
Economy & Jobs
- Median Income: €13,000
- Unemployment: 10.0%
- Population: 14,000
Climate
- Sunny Days: 240/year
- Summer High: 89°F
- Winter Low: 39°F
- Farming Zone: USDA Zone 6a
Housing
- Median Home: €200,000
- 1BR Rent: €550/mo
Cost of Living
Tivat's cost of living index is 72 (Montenegro average = 100).
| Category | Tivat | National Average | Difference |
|---|---|---|---|
| Overall | 72 | 100 | -28.0% |
| Housing | 70 | 100 | -30.0% |
Data source: MONSTAT / Numbeo, 2026
Housing Market
| Metric | Value |
|---|---|
| Median Home Price | €200,000 |
| Median Rent (1BR) | €550/mo |
| Median Rent (2BR) | €688/mo |
| Price per Sq Ft | €133 |
Data source: Nekretnine.me / Numbeo, 2026
True Cost of Home Ownership
Utilities
Estimated monthly utility costs for a typical household in Tivat:
| Utility | Estimated Monthly Cost | Notes |
|---|---|---|
| Electricity | €30 | |
| Heating & Cooling | €63 | Estimated based on local climate. |
| Cooling (AC) | €7 | 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 | €140 | Monthly estimate (including heating & cooling) |
Data sources: REGAGEN, EPCG, Crnogorski Telekom 2025
Remote Work Score
Tivat scores —/100 for remote work readiness:
Climate
Tivat has a varied climate with distinct seasons.
| Month | Avg High | Avg Low | Rainfall |
|---|---|---|---|
| January | 59°F | 39°F | 2.5" |
| April | 74°F | 54°F | 2.8" |
| July | 89°F | 64°F | 1.5" |
| October | 69°F | 57°F | 2.2" |
Cool to mild — apples, pears, berries, many vegetables
Natural Hazards
Tivat 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 10.0%.
Crime & Safety
Crime rates in Tivat 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: UN Office on Drugs and Crime
Schools & Education
Academic Schedule
Standard academic calendar.
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 Tivat, Montenegro?
The cost of living index in Tivat is 72, which is Lower the Montenegro national average of 100.
How much does it cost to buy a home in Tivat?
The median home price in Tivat is €200,000. The housing index is 70.
What is the average rent for a 1-bedroom apartment?
The average rent for a 1-bedroom apartment in Tivat is approximately €550/mo.
Does Tivat, Tivat have income tax?
Tivat is in Tivat, which has an income tax rate of 9%.
What is the climate like in Tivat?
Tivat enjoys approximately 240 sunny days per year. Summer highs reach around 89°F, while winter lows can drop to around 39°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: August 12, 2026. Data may not reflect current market conditions. Always verify with local sources before making relocation decisions.