Can you buy a flat in Podgorica for under €100,000? Yes. On 9 November 2026, 81 of the 537 flats for sale in Podgorica on Fijaka asked €100,000 or less, about 15%. Their median asking price was €82,000 for 36 m² (€2,400 per m²). At this budget the choice is a studio or a compact one-bedroom flat.
What €100,000 buys in Podgorica
| Type | Flats up to €100,000 |
| Studio | 36 |
| One-bedroom flat | 29 |
| Two-bedroom flat | 6 |
The 29 one-bedroom flats under €100,000 asked a median €90,000 for 42 m². Up to €80,000 there were 35 flats, nearly all studios.
For comparison, the median one-bedroom flat in Podgorica asked €125,000: see one-bedroom flat prices in Podgorica.
Where the flats under €100,000 are
| Area | Flats up to €100,000 |
| Zabjelo | 24 |
| Stari Aerodrom | 8 |
| Tološi | 6 |
| Zagorič | 5 |
| Masline | 4 |
Zabjelo has the most affordable flats in the city: almost a third of those under €100,000 are there.
Current listings: flats under €150,000 in Podgorica (filter the price to €100,000) and all flats for sale in Podgorica.
What it costs on top
Transfer tax on a resale flat at this price is 3% of the tax base: €2,460 on an €82,000 flat (transfer tax guide). A new flat from a developer carries VAT in the price instead. Montenegrin citizens buying a first home are exempt for up to 20 m² per household member; the exemption does not apply to foreigners.
Frequently asked questions
What is the cheapest flat in Podgorica? On 9 November 2026, 35 flats asked €80,000 or less, nearly all of them studios.
Can I buy a one-bedroom flat in Podgorica for under €100,000? Yes, 29 one-bedroom flats asked €100,000 or less, at a median €90,000 for 42 m².
Which part of Podgorica has the cheapest flats? Zabjelo had 24 of the 81 flats under €100,000, more than any other area.
How big is a flat in Podgorica for under €100,000? The median was 36 m².
Is a €100,000 flat enough for 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 the municipality of Podgorica on Fijaka on 9 November 2026. Listings without a price are left out. These are asking prices, not sale prices.