Is it better to rent or buy a flat in Podgorica? The listings give the price of each option. On 9 November 2026, a one-bedroom flat in Podgorica asked a median €125,000 to buy or €500 a month to rent on Fijaka. The purchase price equals about 20.8 years of rent, a gross yield of 4.8% a year. Whether buying pays off depends on how long you stay, your financing and the costs below.
Buy or rent: the same flat, two prices
| Size | Median price to buy | Median rent a month | Years of rent for the price | Gross yield |
| One bedroom | €125,000 | €500 | 20.8 | 4.8% |
| Two bedrooms | €180,000 | €650 | see note | see note |
| Three bedrooms | €259,000 | €1,000 | 21.6 | 4.6% |
Listings: 171 one-bedroom flats for sale and 251 for rent; 168 two-bedroom flats for sale and 242 for rent; 88 three-bedroom flats for sale and 58 for rent.
Note: one seller has 60% of the two-bedroom rentals and 80% of the studio rentals, so we do not set those rents against prices. Studios asked a median €78,000 to buy and €350 a month to rent.
What buying costs that renting does not
- Transfer tax on a resale flat: 3% of the tax base up to €150,000. On a €125,000 flat that is €3,750, or 7.5 months of the median one-bedroom rent (transfer tax guide). New flats from a developer carry VAT in the price instead.
- Annual property tax, set by the municipality: see the property tax guide and the property tax calculator.
- Loan interest if you borrow: the mortgage calculator shows the monthly payment, and mortgages in Montenegro explains who can get one.
What renting costs that buying does not
Renting avoids the purchase costs, but the rent can change at each renewal. How to find a long-term let: long-term rental in Montenegro.
Frequently asked questions
How many years of rent does a flat in Podgorica cost? About 20.8 years for a one-bedroom flat and 21.6 years for a three-bedroom flat, at median asking prices and rents on 9 November 2026.
What is the rental yield in Podgorica? A gross 4.8% for one-bedroom flats and 4.6% for three-bedroom flats, before tax, empty months and running costs. City-by-city yields are in the Fijaka price per m² index.
How much is rent for a one-bedroom flat in Podgorica? A median €500 a month across 251 listings; half asked between €450 and €600.
How much does it cost to buy a one-bedroom flat in Podgorica? A median €125,000, plus transfer tax of €3,750 on a resale flat.
How these numbers were measured
Asking prices and long-term asking rents of all active flats in the municipality of Podgorica on Fijaka on 9 November 2026, by number of bedrooms. Medians leave out listings without a price. Years of rent is the median price divided by twelve months of median rent; gross yield is the inverse. A rent is set against a price only where no seller has 60% or more of the rentals. These are asking prices and rents, not transaction prices.
Current listings: flats for rent in Podgorica and flats for sale in Podgorica.