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Montenegro
Mountains two hours from the sea: a small country where Budva and Tivat live off the summer while Podgorica and the north run all year. Prices sit below the Croatian coast, but in winter services shut down and the rental choice becomes a matter of luck. Mediterranean summers are dry and hot, the coast gets winter rain and the mountains get snow. Residence through work, a company or property is a well-worn path; healthcare, schooling and jobs outside tourism are the narrow parts.
Facts about the destination
€925
Living solo, economy
Mediterranean
Climate
Cost of living3
- Living solo, economy
- €925 per month
- Living as a couple, comfort
- €2,588 per month
- Living as a family, premium
- €4,792 per month
Entry and visas7
- Nomad visa
- Open
- Work visa
- Open
- Student visa
- Open
- Retirement visa
- No such programme
- Paid residency program
- No such programme
- Investment residency
- Open
- ВНЖ через недвижимость от €150 000 (порог поднят с января 2026) → ПМЖ через 5 лет → гражданство через 10.
- Residency by investment: entry threshold
- from $150,000
Money and housing7
- Median rent
- $550 per month
- Tax system
- Worldwide income taxed
- Income tax, maximum
- up to 15%
- Price per square metre
- $2,900 per m²
- Property ownership for foreigners
- Allowed
- Special regime for new residents
- No
- Mortgage for non-residents
- No
Safety and environment6
- Air quality
- AQI 75
- Safety
- 4 out of 5
- Armed conflict
- None
- Healthcare
- 3 out of 5
- Internet
- 3 out of 5
- Insurance required for a visa
- No
Language and daily life4
- English
- 3 out of 5
- Russian-speaking
- 4 out of 5
- Крупная русскоязычная община на побережье, языкового барьера почти нет.
- Banking
- 4 out of 5
- MIR cards
- No
Legalization9
- Years to permanent residency
- 5 years
- Years to citizenship
- 10 years
- Remote work for foreign clients
- Yes
- Citizenship by investment
- Discontinued
- Программа гражданства за инвестиции закрыта в конце 2021 года — вместо неё остался только путь через недвижимость и обычную натурализацию.
- Hiring a foreigner
- Realistic
- Ease of legalization
- 4 out of 5
- Пока безвиз жив, ВНЖ через недвижимость/фирму остаётся исторически одним из самых простых треков в Европе — но всё изменится 1 октября 2026.
- Second passport kept after naturalisation
- No
- Citizenship for a child born here
- Not granted
- Fast-track naturalisation
- No
Climate and region3
- Climate
- Mediterranean
- Kind of destination
- To live in
- Region
- Europe
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