An apartment in Montenegro is a studio, a one-to-three-bedroom unit, or a penthouse in a residential building or resort complex, in full ownership by a foreigner. You can buy an apartment in Montenegro from €86,000; by the sea, a meter averages around €3,000: from €2,000 in Sutomore to €3,300–3,500 in Budva and Bečići, and from €11,000 in club complexes. Most often, buyers look for sea-view housing up to €150,000: for short-term rental in Budva, for living in Bar and Herceg Novi.
| City | Apartments in the Catalog | Who It Suits · What to Consider |
|---|---|---|
| Budva | 33–53 m² 1–1.1 km from the sea — €122,000–157,000 | Short-term rental · the largest choice, 252 apartments |
| Bečići | 43 m² in a new building with a garage — €149,000 | Rental by the beach · parking decides everything in summer |
| Petrovac | 85 m² with a sea panorama — €195,000 | Family holidays · a quiet resort |
| Bar and Dobra Voda | 45 m² 400 m from the beach — €143,000; 127 m² with three bedrooms — €330,200 | Year-round living · a large apartment passes the residence permit threshold with a margin |
| Sutomore | 43 m² in a new build 700 m from the beach — €86,000 | First purchase · the lowest entry |
| Herceg Novi, Baošići | 37 m² studio 300 m from the sea — €120,000 | Permanent residence, tranquility · descent to the sea by stairs |
| Tivat | two bedrooms 53–74 m² — €242,000–252,000; club settlement 104 m² — €1,150,000 | Airport, marina · the fastest resale |
| Podgorica | 46 m² in a new complex with an installment plan — €113,950 | Long-term rental · demand without a season |
Yes, an apartment in Montenegro can be bought with an installment plan from the developer. They split the payment until the building is completed: usually a down payment and stage payments as construction progresses. In club complexes, the down payment starts at 20%. Before signing the contract, the construction permit and the completion schedule are checked. Owners also sometimes agree to an installment payment plan for a short term.
Some properties in the catalog carry the "payment in another currency" label — the payment scheme is clarified by the manager. The price in the contract is always in euros, so the cost of an apartment in Montenegro, for example in dollars, today depends on the exchange rate on the day of payment.
A studio or one-bedroom apartment within 5–10 minutes of the beach in Budva, Bečići, or Tivat. Larger apartments in residential neighborhoods take longer to rent out but are better suited to living and to a residence permit.
This section offers 891 apartments. The most listings are in apartments in Budva and Bečići; Bar and Dobra Voda come second. The filter sorts apartments by number of bedrooms, floor, distance to the sea, view, and installment plans. The labels on the cards show whether the apartment qualifies for a residence permit, whether it is already rented out, and whether payment in rubles is possible. The office and consultant are in Bar: you can view apartments in Bar in person or by video call. Some listings have a "Remote transaction" option.
Apartment prices in Montenegro are higher in new buildings, but they have an elevator, underground parking, air conditioners, and installment plans until the building is completed — see the selection in the section apartments in buildings under construction. Apartments in 1980s–2000s buildings are cheaper per meter, but there is usually no parking with them, and that is Budva's main problem in summer. If the price is close to the residence permit threshold, choose an apartment with a margin: the municipal assessment can be lower than the transaction price. Detailed conditions are in the section residence permit and taxes on purchase.
Who It Does Not Suit: an apartment in a 1980s–2000s building in Budva — for a car owner: such buildings usually have no parking.
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