Real Estate for Sale in Montenegro at Discount House
The catalog offers properties from developers, agencies, and owners. The filter selects them by city, type, price, area, sea view, pool, and installment plans. The labels "residence permit on purchase," "online viewing," "remote transaction," and "rental-ready property" show the terms right in the search results. Auction lots below market are collected separately. The office operates in Bar: the manager will select options based on your request and arrange a viewing.
What Housing in Montenegro Is Bought
Apartments in Montenegro — 891 listings. Studios and one-bedroom units at €100,000–140,000 are bought for tourists, so they are sought on the Budva Riviera, in Sutomore, and Dobra Voda among apartments within walking distance of the beach. Family apartments at €160,000–250,000 are the most in-demand segment: they meet the residence permit threshold and suit relocation.
Houses and villas with a plot — 637 listings, averaging €1,375 per m². A sea-view villa starts at €350,000; in gated club settlements on the Luštica peninsula — up to several million, where there is also a golf course and a marina.
Land — 137 plots, median €125,000. Agricultural land and plots near the border are registered by a foreigner through a Montenegrin company, which is set up within a few days. Commercial real estate — 80 properties, most often mini-hotels and apart-hotels for rental.
New Build or Resale Property
From a developer that is a legal entity, 21% VAT is already included in the price, and the transfer tax is not paid. Therefore, at an equal price, apartments from a developer cost less than resale. The main risk of the resale market is a house without a construction permit (građevinska dozvola): such a property does not qualify for a residence permit, is difficult to resell, and cannot be insured. This is checked before the deposit, because if the buyer withdraws, the deposit is not returned.
Residence Permit When Buying Real Estate in 2026
From January 17, 2026, a residence permit is granted to the owner of a property valued at €150,000 or more with a share of at least half. The value is calculated according to the municipal tax assessment, which can be lower than the transaction price: an apartment at €165,000 may be assessed at €120,000. The assessment certificate is obtained before the preliminary contract. The residence permit is issued for a year with renewal. It does not grant the right to work as an employee, does not open Schengen, and is not counted toward the service required for citizenship. More details — in the article Residence Permit in Montenegro When Buying Real Estate.
Real Estate in Montenegro for Russians and Other Foreigners
A foreigner can buy real estate in Montenegro on equal terms with locals: an apartment, a house, and a built-up plot are registered as full ownership. A passport, a Montenegrin tax number, and proof of the source of funds are required. Payments over €10,000 go only through a Montenegrin bank. The contract is certified by a notary, and ownership is registered by the cadastre. The cadastre extract has been converted to digital format, so the property check takes days. Traveling is not necessary: the transaction is conducted by power of attorney.
Taxes
- When buying resale housing — a progressive tax: up to €150,000 — 3%, up to €500,000 — €4,500 plus 5% of the excess, more expensive — €22,000 plus 6%. A property at €440,000 will cost €19,000 in tax. If the price in the contract is understated, the tax authority will recalculate the property value according to its own assessment.
- Every year — property tax from 0.25% to 1% of market value, the rate is set by the municipality.
- Rental income is taxed at 15%, but a quarter of the sum is deducted as expenses. The increase in value on sale — also 15%.
Property Prices in Montenegro and Investment Benefits
Housing prices in Montenegro have risen 8.3% over the year, and new builds have risen 19%. Yield does not grow with the price: entry is more expensive in Tivat and Budva, while the return is lower than in Bar. From November 1, 2026, Montenegro introduces visas for citizens of a number of countries, including China and Turkey — for them, a residence permit by real estate becomes a way to come to their own apartment without a visa. The most affordable housing by the sea — real estate in Bar.
Who It Does Not Suit: an investor expecting high yield in Tivat and Budva: entry there is more expensive, and the return is lower than in Bar. Also keep in mind that payments over €10,000 go only through a Montenegrin bank.
Hotel in Bar, Montenegro 299m2 #73077
