Where to Live in Montenegro - A Complete Guide to the Best Locations

Montenegro is a country of striking beauty, combining majestic mountains, crystal-clear Adriatic waters, and charming old towns. For many, the allure of the country isn’t just a passing fascination—it’s a reason to settle down and make a home. 

Thanks to its supportive business climate, incredible quality of life, low cost of living in Montenegro, and warm-hearted residents, this country stands out as the perfect place to spend your life. If you are wondering where to live in Montenegro, we vouch that after reading this blog, you will find the ideal place! Read on to discover what it is!

Prikaz kanjona Boka kotorskog zaliva

Boka Bay - Living in a Fairytale

Boka Bay (or Bay of Kotor) is a stunning fjord-like bay on Montenegro’s coast, known for its breathtaking views, verdant landscapes, and beautiful medieval towns. This region perfectly balances natural splendour with rich cultural heritage. Boka Bay has become an increasingly popular destination for both locals and expats in Montenegro seeking a high quality of life, where the old-world charm seamlessly blends with modern comforts.

Tivat - A Luxurious Lifestyle on the Waterfront

Tivat is rapidly becoming one of the most sought-after towns in Boka Bay. This coastal gem, located on the western edge of the bay, is best known for Porto Montenegro, a luxury Adriatic marina and residential development that has attracted a mix of affluent locals and international residents. 

Tivat’s development has transformed it into a cosmopolitan hub, boasting high-end restaurants, stylish boutiques, and a vibrant nightlife. Despite its modern appeal, Tivat has managed to retain its coastal charm, making it an excellent choice for those seeking an upscale lifestyle in Montenegro.

If you are considering living in Boka Bay, you should begin exploring opportunities to purchase luxury real estate within Porto Montenegro. The new urban quarter in Porto Montenegro – Boka Place is offering a perfect investment opportunity and the chance to acquire a flawless apartment in one of the most desirable parts of the country.

The SIRO residences in Porto Montenegro offer an elevated standard of living. Properties range from studio apartments to three-bedroom duplexes and penthouses, between 45m² and 170m².  

Beyond the opulence and beauty, one of the key reasons people choose Tivat is its convenience. The Tivat International Airport provides direct connections to major European cities, making it ideal for frequent travellers. Tivat offers a balanced lifestyle, combining tranquillity with a lively social scene, making it one of the best places to live in Montenegro for both young professionals and those who choose to retire in Montenegro.

Kotor - A Journey Back in Time

Kotor is an ancient town with a rich history that dates back to Roman times. The construction of the Kotor city walls began in the 9th century and concluded in the 19th century. Renowned for its Venetian architecture and UNESCO-listed old town, Kotor offers a unique living experience steeped in culture and history. 

Nestled between towering mountains and set along the calm waters of the bay, Kotor is both picturesque and vibrant. Its old town is a maze of narrow streets, historic churches, and bustling squares, while the surrounding area boasts hiking trails and nature excursions perfect for outdoor enthusiasts.

Living in Kotor appeals to those who cherish history and culture. The town hosts a variety of festivals throughout the year, including the renowned Kotor Carnival, offering residents a rich social and cultural life. While the summer months bring an influx of tourists, the off-season offers locals a quieter, more relaxed pace, creating a harmonious blend of excitement and tranquillity.

Herceg Novi - Serenity and Natural Beauty at the Bay’s Entrance

Herceg Novi, situated at the entrance of Boka Bay, and it’s known for its lush greenery, Mediterranean climate, and historic fortresses. This picturesque town offers a more relaxed lifestyle compared to Tivat and Kotor, making it particularly appealing to families and retirees who prefer a slower pace of life. With its beautiful beaches, botanical gardens, charming Herceg Novi old town and scenic promenade, Herceg Novi offers a pleasant atmosphere for those looking to enjoy Montenegro’s natural beauty.

Herceg Novi’s affordability is another factor that draws residents here. Real estate prices here are relatively lower compared to other parts of Boka Bay, making it a popular choice for people looking for a good quality of life without the premium costs. Additionally, Herceg Novi’s proximity to the Croatian border also ensures easy access to Dubrovnik, adding to the appeal of this charming coastal town.

What Distinguishes Boka from Other Montenegrin Cities?

Boka Bay, or simply Boka as locals call it, is a historical and geographical area in southwestern Montenegro. It encompasses the bay of the Adriatic Sea and the surrounding inhabited region. This area stands out as one of Montenegro’s main tourist attractions, thanks to its breathtaking natural environment and well-preserved historical heritage.

Inhabited since antiquity, Boka Bay boasts remarkable  Mediterranean architecture, and numerous medieval towns such as Kotor, Tivat, Perast, and Herceg Novi. Boka Bay offers the perfect mixture of ancient cities and modern, luxurious housing within luxury developments such as Porto Montenegro.

Living in Boka Bay provides a unique opportunity to enjoy the serene and inspiring ambience of Montenegro’s ancient towns while experiencing a high-class lifestyle. This area is home to opulent residential villages that offer premium real estate, top-notch services, and exceptional amenities. 

Besides its well-known nature, rich Montenegrin culture, and historical significance, Boka Bay allows residents to immerse themselves in the authentic atmosphere of a European city. With its Mediterranean climate, traditional Montenegrin cuisine, and the vibrant nightlife that the Balkans are famous for, Boka Bay is truly one-of-a-kind.

Continental Part of Montenegro - Embracing Montenegro’s Heartland

While Boka Bay and the coastal region are undoubtedly popular, the continental part of Montenegro has its own charm and allure. These inland towns and cities provide a different lifestyle characterized by mountainous landscapes, cooler temperatures, and a strong cultural identity.

Pogled na planinu Durmitor i prirodu koja je okružuje

Podgorica - The Urban Heart of Montenegro

Podgorica, the capital of Montenegro, is the country’s largest city and serves as its administrative and economic hub. While it may not have the coastal allure of Boka Bay, Podgorica is an excellent option for those seeking urban conveniences and career opportunities. The city has a diverse social scene, with a mix of modern cafes, shopping malls, and cultural institutions like theatres and galleries.

The city features a diverse social scene, with modern cafes, shopping malls, and cultural institutions such as theatres and galleries. Its dynamic environment makes it especially appealing to young professionals and families who value access to amenities like international schools, healthcare facilities, and business centres. Podgorica’s central location is another key advantage, providing a convenient base for exploring both Montenegro’s coast and its mountains, allowing residents to enjoy the best of both worlds.

Nikšić - A Relaxed and Affordable Mountain Town

Nikšić is known for its industrial and cultural heritage. The city offers a more laid-back vibe compared to Podgorica and is surrounded by beautiful mountains, making it an ideal location for outdoor enthusiasts. Nikšić has a strong sense of community spirit, and residents enjoy a simple and relaxed lifestyle.

Living in Nikšić is highly affordable, with lower housing costs and everyday expenses compared to other parts of Montenegro. It’s a great choice for families or retirees looking for a peaceful environment with a slower pace of life. The city is also well-known for its local brewery, and the annual Lake Fest draws visitors from across the country, adding a vibrant touch to the community.

Cetinje - Montenegro’s Historic and Cultural Soul

Cetinje, the former royal capital of Montenegro, is a town rich in history and culture. Nestled among the mountains, Cetinje has a distinctly old-world charm, with well-preserved architecture, museums, and monasteries. Living in Cetinje feels like stepping back in time, and it’s an ideal choice for those who appreciate a slower, more reflective way of life.

The town is also known for its artistic community, and it’s home to  Montenegro’s national art academy. Cetinje attracts residents who value cultural enrichment, and it offers a unique living experience that contrasts with the more tourist-oriented coastal towns. For history enthusiasts and artists, Cetinje is one of the best places to live in Montenegro.

Vizual starog grada u Kotoru iz ptičije perspektive

Living in Other Coastal Towns of Montenegro - A Variety of Coastal Charms

Apart from Boka Bay, Montenegro’s coastline is dotted with other charming towns that offer a range of lifestyle options. Each town has its own character, appealing to different types of residents.

Budva - The Vibrant Coastal Hub

Budva is one of Montenegro’s most popular tourist destinations, celebrated for its vibrant nightlife, stunning beaches, and historic old town. The city comes alive during the summer months, bustling with tourists flocking to its beaches and entertainment venues. Living in Budva is perfect for those who thrive in an active social scene and don’t mind the seasonal influx of visitors.

Budva’s real estate market is diverse, offering everything from modern apartments to luxurious beachfront villas. It’s one of the best places to live in Montenegro for young adults and families who want to be close to the sea and enjoy a high-energy lifestyle.

Bar - The Quiet, Down-to-Earth Coastal Town

Bar is a port town located further down the coast, offering a blend of commercial activity and residential appeal. Unlike the busier coastal towns, Bar has a more relaxed and down-to-earth atmosphere. The town is known for its historic landmarks, such as the Old Town of Bar, and its affordable living costs.

Bar is suitable for those who want to live near the coast but prefer a quieter and more affordable setting. Its location, offering proximity to both the coastline and the inland regions, makes it an attractive option for retirees and families seeking a peaceful lifestyle.

Petrovac - A Family-Friendly Seaside Retreat

Petrovac is a small, picturesque town located between Budva and Bar. With its red-roofed buildings, beautiful beaches, and tranquil atmosphere, Petrovac is a favourite among families and retirees looking for a serene coastal lifestyle. The town’s friendly community and safe environment make it an excellent choice for raising children or enjoying a quiet retirement.

Living in Petrovac provides a slower pace of life, allowing residents to bask in Montenegro’s natural beauty without the crowds. Its proximity to Budva ensures easy access to amenities while preserving its relaxed, small-town charm.

Why Choose to Live in Montenegro?

Mediterranean Climate and Impressive Nature of Montenegro

Montenegro is renowned for its beautiful and untouched natural treasures. For most, the first image that comes to mind is the long, broad sandy beaches and the crystal-clear Adriatic Sea. However, this is only a glimpse of the incredible natural potential that Montenegro has to offer.

Despite being one of the smallest countries in Europe, Montenegro boasts five registered national parks, many of which are conveniently close to Boka Bay. One of these is the majestic Lovćen Mountain, which rises above Boka Bay and offers breathtaking views. 

Just a few hours away lies Durmitor National Park and the Tara River Canyon, a UNESCO-designated biosphere reserve. Additionally, Skadar Lake, one of Montenegro’s many stunning lakes, is listed as a Ramsar Wetland of International Importance. Notably, Montenegro declared itself an ecological state in 1991, underscoring its commitment to environmental preservation.

As a Mediterranean country, Montenegro enjoys hot, dry summers on the coast, punctuated by occasional intense storms. Daytime temperatures range from 20 to 39°C, with warm evenings cooled by gentle sea breezes. Winters are mild, with temperatures ranging from 0 to 15°C, occasionally accompanied by light snowfall in higher regions.

The Great Cultural and Historical Heritage

Montenegro is a country rich in history and culture, with monuments and sites that bear witness to its heritage from antiquity to modern times. Its diverse cultural offerings include medieval towns, historic fortresses, churches, and monasteries, as well as unique customs and traditions.

The Bay of Kotor is one of Montenegro’s most renowned cultural regions. The city of Kotor, with its well-preserved medieval Old Town and 4.5-kilometer-long walls, has been listed as a UNESCO World Heritage Site since 1979. Near Kotor, the islands of St. George and Our Lady of the Rocks near Perast further enrich the region’s historical appeal.

In Cetinje, Montenegro’s royal capital, there is a significant number of historical buildings, museums, and the Cetinje Monastery, including Biljarda – the former residence of Petar II Petrović Njegoš. The city is the cultural hub of Montenegro and is often referred to as an “open-air museum.”

In the northern part of the country, towns like Nikšić and Pljevlja preserve a rich legacy of Orthodox and Islamic cultural monuments. The Ostrog Monastery, nestled in the rocky cliffs above Danilovgrad and Nikšić, is one of the most important Orthodox pilgrimage sites in the region.

Additionally, Lake Skadar is not only a natural phenomenon but also a significant cultural site. Its shores are home to numerous churches, monasteries, and fortresses that testify to the history of this area.

Well-preserved medieval structures, Mediterranean and continental architecture, as well the rich folklore and traditions throughout the country, create an authentic atmosphere. Montenegro provides a unique sense of belonging to a part of history much larger than everyday life.

Activities for Every Preference

If you want to hike through Montenegro, Durmitor offers the opportunity for rafting and kayaking on the Tara River, one of Montenegro’s natural wonders and part of a UNESCO-protected area.

At Durmitor, you can also try ziplining or camping under the clear night sky. During the winter months, you can ski down Mount Lovćen, which surrounds Boka Bay or enjoy the adventure park designed for sports and extreme activities, perfect for adrenaline lovers.

Here, you can also try mountain biking and hiking along numerous walking routes and marked trails suitable for all skill levels.

In summer, Montenegro offers even more activities – including yachting, fishing, snorkelling, paragliding, sailing the Mediterranean Sea, and many other sports available to both tourists and locals.

There are so many activities that it would be a true challenge to try them all, and for those searching for a new hobby – Montenegro is the perfect place to discover new adventures!

The Best Places to Live in Montenegro Based on Your Preferences

Choosing where to live in Montenegro depends on your personal preferences and priorities. Whether you’re drawn to the lively energy of Budva, the cultural richness of Kotor, the affordability of Bar, or the artistic atmosphere of Cetinje, Montenegro has something for everyone.

For those seeking an international community and modern amenities, Tivat is a standout choice, while history enthusiasts might find themselves gravitating toward Kotor or Cetinje.

Ultimately, Montenegro’s charm lies in its diversity. From the fjord-like beauty of Boka Bay to the tranquil coastal towns and the cultural richness of its continental areas, each region offers a unique experience. Wherever you choose to settle, Montenegro promises a fulfilling lifestyle, blending nature, culture, and community into one harmonious package.