Best places to retire in Montenegro
For retirees, Herceg Novi ranks highest in Montenegro (retire score 77/100), balancing affordability, a mild climate and safety. The most affordable option is Tivat. Our retire score = 40% cost + 30% climate + 30% safety.
Top retirement cities in Montenegro
- Herceg Novi — retire score 77/100 (cost 58, climate 100, safety 79)
- Cetinje — retire score 77/100 (cost 59, climate 98, safety 80)
- Tivat — retire score 77/100 (cost 61, climate 98, safety 78)
- Budva — retire score 76/100 (cost 59, climate 98, safety 78)
- Kotor — retire score 76/100 (cost 61, climate 92, safety 79)
- Bar — retire score 75/100 (cost 59, climate 97, safety 75)
- Podgorica — retire score 72/100 (cost 53, climate 92, safety 76)
- Nikšić — retire score 72/100 (cost 56, climate 87, safety 78)
- Pljevlja — retire score 72/100 (cost 58, climate 82, safety 79)
- Bijelo Polje — retire score 72/100 (cost 59, climate 81, safety 79)
Retire score weights affordability, climate comfort and disaster+crime safety. It does not include healthcare quality or retirement-visa rules — verify those separately.
FAQ
Where is the best place to retire in Montenegro?
Herceg Novi ranks highest in our retirement score (77/100), balancing affordability, mild climate and safety.
Is Montenegro a good place to retire?
Montenegro's best retirement city scores 77/100; the most affordable is Tivat (cost 61/100). We weigh cost, climate and natural-disaster + crime safety — not healthcare or visas, which you should check separately.
What's the cheapest place to retire in Montenegro?
Tivat has the lowest cost of living in Montenegro in our data.
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