Affordable entry threshold
Prices for seaside real estate start at € 2,000 per square meter, and in the premium complexes of Porto Montenegro and Lustica Bay, they start at € 5,000 per square meter
Capital growth
Real estate prices increase by 3−7% annually, with some projects seeing growth of up to 11%
Simple residency application process
Purchasing real estate entitles you to an annual residence permit, and after 5 years of residence, you can apply for permanent residence
Tax advantages
One of the lowest tax rates in the region makes Montenegro particularly attractive to foreign investors
High rental income
The average return is 6−7% per annum, and up to 10% for short-term rentals and in the premium segment
In 2025, Montenegro will be one of the most promising investment destinations in the region, thanks to its low entry threshold, high returns, and combination of resort lifestyle with European standards
Advantages of the country from an investment perspective
Montenegro is a place where investment is not only a financial decision, but also a choice in favor of quality of life, comfort, and the unique atmosphere of the Adriatic
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ROI from real estate
up to
10
Short-term rentals
up to
7
Long-term lease
up to
20
Resale
Top 3 best locations for investment in Montenegro in 2025
Tivat (Тиват)
A prestigious resort with yacht marinas and premium infrastructure
Stable demand from wealthy tenants and foreign investors
Why invest:
- ROI from rentals — up to 10% per season
- High liquidity of properties in Porto Montenegro and Lustica Bay
Ideal for those looking for a premium asset with high returns
Kotor & Bay of Kotor (Котор и Бока-Которская бухта)
A historic location protected by UNESCO with panoramic views
Valued for its limited supply and unique location on the bay
Why invest:
- Short-term rental income — up to 8% per annum
- Property value growth — up to 7% per annum
Ideal for those looking for a rare property with cultural value and stable returns
Budva & Budva Riviera (Будва и Будванская Ривьера)
Main tourist center
A location with beaches, architecture, and a rich resort life, stable seasonal demand, and an active rental market
Why invest:
- Return on short-term rentals — 8−10% per annum
- Real estate price growth — 3−7% per annum, up to 11% in some projects
Ideal for those looking for active resort income and growing capitalisation
Top 3 best locations for investment in Montenegro in 2025
Best real estate offers
The investment process with us
4
We launch the rental
Through management companies and connect trusted partners for stable income
3
We accompany the transaction
From reservation to registration — complete control of the turnkey process
2
We conduct due diligence
We check the property and the developer. Legal expertise and document analysis
1
We select real estate
Investment, rental, or personal residence—we will find the best option for your goals
FAQ
- New buildings VAT — 21% of the transaction amount
- Secondary real estate, transfer of ownership tax — 3% of the transaction amount
- Notary and legal support for the transaction — 0.02%
Property owners in Montenegro pay an annual property tax of 0.25−1% of the market value of the property. The rate depends on the type, location, and year of construction.
Income tax of 9% is paid on income from renting out real estate.
The specific amount of property tax is calculated based on the location of the property, the quality of the premises, the distance from the sea, and other factors.
For example, an apartment worth € 100,000 will be taxed at € 200−250 per year.
The main forms are direct ownership of the property (apartment/house). If the goal is to purchase a significant amount of land or agricultural land, a corporate structure (a company registered in Montenegro) is often used, followed by the purchase. Such a structure can provide additional legal and tax opportunities, but requires careful configuration and risk assessment.
Yes, foreigners can buy apartments, houses, and urban plots; however, there are separate rules for purchasing agricultural land and large plots of land.
Residence permit — yes (through the purchase of residential real estate and other grounds). Direct "citizenship by investment" in the classic form on a permanent basis is not widespread and requires the fulfillment of naturalization conditions; however, real estate ownership provides a strong basis for temporary/permanent residence, subject to local requirements.
