The blog
Every article answers one real question that foreign buyers ask about Montenegro: costs, taxes, residency, locations and the checks that protect your money. Written by an independent advisor who lives here and works only for buyers.
Locations and prices -
There is no official price for apartments in Kotor itself. The closest official figure is the average for new apartments on the Montenegrin coast: €2,838 per m² in Q2 2026, which puts a 60 m² new flat at about €170,000 before costs.
Buying process -
Yes. Foreigners can buy apartments, houses and building land in Montenegro in their own name, whether they come from the USA, the UK or Germany. A short list of property types is closed to them, and that list is where expensive mistakes happen.
Buying process -
Buying property in Montenegro as a foreigner comes down to eight steps, from checking the title deed to registration in the cadastre. The notarised contract matters, but you only become the owner when the cadastre registers you.
Costs and taxes -
The biggest hidden cost of buying an apartment in Montenegro is the transfer tax, which has been progressive since 2024 and is paid by the buyer. Add notary, translator, lawyer, property tax and currency costs, and plan the full budget before you make an offer.
