Can you buy a flat by the sea in Montenegro for under €200,000? Yes. On 9 November 2026, 1,421 of the 3,297 flats for sale by the sea in Montenegro on Fijaka asked €200,000 or less, about 43%. Their median asking price was €145,000 for 49 m² (€2,880 per m²).
The largest seller has 40% of these flats under €200,000; without its listings the median is €145,000.
Where the flats under €200,000 are
| Municipality | Flats up to €200,000 | Studios | One-bedroom | Two-bedroom | Median price |
| Budva | 540 | 65 | 295 | 156 | €150,000 |
| Bar | 517 | 82 | 201 | 145 | €135,000 |
| Tivat | 109 | 21 | 75 | 12 | €162,000 |
| Kotor | 107 | 27 | 50 | 28 | €147,000 |
| Herceg Novi | 93 | 10 | 51 | 19 | €145,000 |
| Ulcinj | 55 | 10 | 31 | 14 | €125,000 |
What €200,000 buys by the sea in Montenegro, by size
| Size | Flats up to €200,000 | Median price | Median size |
| Studio | 215 | €99,000 | 30 m² |
| One bedroom | 689 | €145,000 | 47 m² |
| Two bedrooms | 374 | €162,000 | 65 m² |
| Three bedrooms | 51 | €165,000 | 75 m² |
The largest flats at this budget are three-bedroom flats, with a median of 75 m².
The areas with the most flats at this price: Bečići (148), Petrovac (59), Sutomore (50), Ilino (44), Dobra Voda (29), Lazi (26).
Current listings: flats under €150,000 in Montenegro.
What it costs on top
- Transfer tax on a resale flat is 3% of the tax base up to €150,000. On €145,000 that is €4,350. See the property transfer tax guide.
- A new flat bought from a developer carries VAT in the price instead.
- Before any deposit, check the flat's legal status: what "legalizacija u toku" means.
Related answers
- Can you buy a flat by the sea in Montenegro for under €150,000?
- Can you buy a flat in Montenegro for under €100,000?
- Can you buy a flat in Budva for under €150,000?
- Can you buy a flat in Podgorica for under €150,000?
Frequently asked questions
How many flats by the sea in Montenegro cost less than €200,000? 1,421 of 3,297 on 9 November 2026, about 43%.
Where are most flats under €200,000 by the sea in Montenegro? In Budva, with 540 of the 1421.
How big is a flat by the sea in Montenegro for under €200,000? The median was 49 m².
Can I get a one-bedroom flat by the sea in Montenegro for under €200,000? Yes, 703 one-bedroom flats asked €200,000 or less.
How these numbers were measured
Asking prices of all active flats and studios for sale in Herceg Novi, Kotor, Tivat, Budva, Bar and Ulcinj on Fijaka on 9 November 2026. Medians leave out listings without a price. These are asking prices, not sale prices.