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Costs and taxes: buying property in Montenegro

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.

A bright luxury apartment in Budva with a laptop, calculator and papers on an oak table in front of open glass doors to a sea-view terrace.

Costs and taxes - October 18, 2026

The Hidden Costs of Buying an Apartment in Montenegro

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.