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Montenegro
Podgorica · Montenegrin
Tiny Montenegro packs dramatic scenery, the lowest tax rate in Europe (9%), and Adriatic coastline into one accessible package.
Cost of living
$700/mo
Rent (1-bed)
$560/mo
Income tax
9%
Currency
EUR (Euro)
Safety
7
Internet
40 Mbps
Quality of Life
6
Pros
- Lowest flat tax in Europe (9%)
- Stunning Bay of Kotor
- Adriatic beaches
- Small and easy to navigate
- EU candidate country
- Safe
Cons
- −Small country — limited social scene
- −Internet less reliable than W. Europe
- −Limited job market
- −Seasonal tourism dominates
Visa Options
Visa-free 90 days (most)Temporary ResidenceWork PermitCitizenship by Investment
✈️ Pre-departure checklist
- ✅Visa-free entry: up to 90 days — no visa needed
- 🏥Get health insurance (~$30–80/mo premium; coverage limit from $50,000)
- 💳Notify your bank; get a no-foreign-fee card (Wise, Revolut)
- 📱Get an eSIM or local SIM on arrival (avg internet 40 Mbps) get eSIM →
- 🏠Book accommodation for first 3–7 days (easier to find long-term rental on the ground)
- 📄Make copies of passport, insurance, bookings — store in cloud & email to yourself
- 💰Bring some EUR (Euro) cash for the first few days
- 📡Internet speed is moderate — consider a portable 4G router as backup
Planning your move to Montenegro? Everything you need
AdFrequently asked questions
How much does it cost to live in Montenegro?
The average cost of living in Montenegro is about $700/month per person, with rent from $560/month. The exact amount depends on the city and lifestyle.
What is the tax rate in Montenegro?
The income tax rate in Montenegro is 9%. The country is considered tax-friendly for expats and entrepreneurs.
Is Montenegro safe?
The safety index of Montenegro is 7/10. Moderate — take normal precautions.
How fast is the internet in Montenegro?
The average internet speed in Montenegro is 40 Mbps, may be slow for video calls.