Can you buy a flat in Montenegro for under €100,000? Yes. On 9 November 2026, 324 of the 3,923 flats for sale in Montenegro on Fijaka asked €100,000 or less, about 8%. Their median asking price was €85,000 for 33 m² (€2,500 per m²).
The largest seller has 40% of these flats under €100,000; without its listings the median is €86,000.
Where the flats under €100,000 are
| Municipality | Flats up to €100,000 | Studios | One-bedroom | Two-bedroom | Median price |
| Bar | 107 | 54 | 25 | 16 | €85,000 |
| Podgorica | 81 | 36 | 29 | 6 | €82,000 |
| Budva | 57 | 37 | 16 | 3 | €85,000 |
| Kotor | 19 | 13 | 5 | 1 | €95,000 |
| Ulcinj | 13 | 6 | 7 | 0 | €86,000 |
| Herceg Novi | 10 | 3 | 6 | 0 | €82,000 |
| Kolašin | 8 | 5 | 2 | 0 | €80,000 |
| Tivat | 5 | 4 | 1 | 0 | €92,000 |
In Ulcinj one seller has 77% of these flats. In Tivat all of these come from one seller.
What €100,000 buys in Montenegro, by size
| Size | Flats up to €100,000 | Median price | Median size |
| Studio | 159 | €81,000 | 28 m² |
| One bedroom | 97 | €89,000 | 40 m² |
| Two bedrooms | 32 | €84,000 | 55 m² |
| Three bedrooms | 7 | €88,000 | 68 m² |
The largest flats at this budget are three-bedroom flats, with a median of 68 m².
The areas with the most flats at this price: Zabjelo (24), Sutomore (22), Dobra Voda (10), Stari Aerodrom (8), Šušanj (7), Mali Robit (6).
Current listings: flats under €150,000 in Montenegro (set the price filter to €100,000).
What it costs on top
- Transfer tax on a resale flat is 3% of the tax base up to €150,000. On €85,000 that is €2,550. 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 €200,000?
- Can you buy a flat by the sea in Montenegro for under €150,000?
- 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 in Montenegro cost less than €100,000? 324 of 3,923 on 9 November 2026, about 8%.
Where are most flats under €100,000 in Montenegro? In Bar, with 107 of the 324.
How big is a flat in Montenegro for under €100,000? The median was 33 m².
Can I get a one-bedroom flat in Montenegro for under €100,000? Yes, 94 one-bedroom flats asked €100,000 or less.
Does a flat for under €100,000 give a residence permit? No. The property route to residence needs a tax-assessed value of €150,000; see investing in Montenegro property: key numbers.
How these numbers were measured
Asking prices of all active flats and studios for sale in Montenegro on Fijaka on 9 November 2026. Medians leave out listings without a price. These are asking prices, not sale prices.