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      Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

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      The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

      Super Cheap

      • Chitré, Panama
      • Santa Marta, Colombia
      • Phuket, Thailand
      • Dumaguete, The Philippines

      Cheap

      • Medellin, Colombia
      • Boquete, Panama
      • Kyrenia, Cyprus
      • Hua Hin, Thailand
      • The Algarve, Portugal

      Affordable

      • Valencia, Spain
      • Cascais, Portugal
      • Las Terrenas, The DR
      • Pisa, Italy
      • La Rochelle, France
      • Mazatlán, Mexico

      Luxury

      • Ambergris Caye, Belize
      • Kotor, Montenegro
      • The Panama City Beaches
      • Paris, France
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      • Home
      • Countries

        Top Destinations:

        Whether you’re looking for fun and sun, a peaceful retirement, or the chance to earn some extra income, you’ve got a real world of opportunity open to you… In short, we’ve done our best to narrow down your best options, but only you can decide the right country for you.

        • Spain
        • Portugal
        • Panama
        • Belize
        • Colombia
        • Cyprus
        • Mexico
        • France
        • Montenegro
        • Browse All Countries

        Best For:

        • The Best Places To Retire
        • Health Care Abroad
        • Cost Of Living
        • Investing in Real Estate
        • Establishing Residency
        • Gun Laws In The World
        • English-Speaking Countries
        • Safest Places For Retirement
        • Best Places In Latin America
      • Budgets

        How Much Will It Cost You To Live Overseas?

        The only honest answer is, we have no idea. And neither does anyone else. The only one who can answer that question is you. Here’s the most important thing to understand about budgeting your new life overseas…

        Super Cheap

        • Chitré, Panama
        • Santa Marta, Colombia
        • Phuket, Thailand
        • Dumaguete, The Philippines

        Cheap

        • Medellin, Colombia
        • Boquete, Panama
        • Kyrenia, Cyprus
        • Hua Hin, Thailand
        • The Algarve, Portugal

        Affordable

        • Valencia, Spain
        • Cascais, Portugal
        • Las Terrenas, The DR
        • Pisa, Italy
        • La Rochelle, France
        • Mazatlán, Mexico

        Luxury

        • Ambergris Caye, Belize
        • Kotor, Montenegro
        • The Panama City Beaches
        • Paris, France
      • Resources

        Global Living

        • Living & Retiring Overseas
        • Raising A Family Abroad
        • Foreign Residency & Citizenship
        • Offshore & Diversification

        Making Money

        • International Real Estate
        • Banking
        • Employment
        • Investing

        Follow Us:

        • Meet Our Experts
      • Real Estate

        Join our Weekly Newsletter
        Overseas Property Alert

        Sign up for our weekly newsletter to receive expert insights on the best international real estate investment opportunities.






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          Buying Real Estate For Cashflow

          • Discover tips and strategies used by global property investing veterans

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          International Property Summit

          Caribbean Virtual Conference

          Live and Invest In Spain Conference

          PANAMA CITY, PANAMA

          June 18-20, 2025

          VIRTUAL

          July 17-19, 2025

          Valencia, Spain

          Sep. 17-19, 2025

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          Home Countries Montenegro

          Bay Of Kotor, Montenegro: The New Jet-Set Destination

          Bargain Rentals In A Millionaire’s Playground

          by Sophia Titley
          Jul 03, 2023
          in Montenegro, Retirement/Living
          0 0
          Kotor, Montenegro

          iStock/Bogdan Lazar

          Overlooking the same stretch of water as Southeastern Italy, Montenegro’s Kotor Bay boasts 57 miles (107 kms) of sparkling coastline that features towering mountains and stunning fjords.

          Northern California is the only other landscape that compares…

          The Bay is dotted by a charming mix of medieval towns and luxe modern developments, complete with super-yacht marinas. The ultra-wealthy treat this yachting paradise like their own private riviera.

          We identify Kotor Bay as the area with the best investment potential in Montenegro right now…

          But with its affordable cost of living, gorgeous scenery, easy residency policies, budding expat community, and endless recreation opportunities, it also has major lifestyle appeal.

          Despite having so much to offer, only those in the know have heard of this tiny Adriatic country. With 5,300 square miles (13,800 square kms), Montenegro is about the size of Connecticut. It’s home to about 620,000 people, and it only officially became a country in 2006 when it got its independence from Serbia.

          But big things are on Montenegro’s horizon…

          It’s widely expected to join the European Union in the next few years. (Some say it will happen in 2025; some say 2030.)

          If you establish residency or citizenship before then, Montenegro could become the fastest backdoor to an EU passport.

          Plus, residency is easy. It only requires a property purchase of any value… and property can be had here for as little as 50,000 euros.

          What else makes Montenegro so special?

          Kotor Bay is in southwestern Montenegro. It’s one of the most indented areas of the Adriatic Sea, and it’s full of nooks and crannies that contain hidden villages and unique sights.

          Jaw-dropping vistas are available from almost every vantage point because of the mountainous geography, and access to the sea is abundant.

          Mountains near town Perast, Kotor Nay, Montenegro
          Adobe Stock/Olena Zn

          The Adriatic is the same body of water that laps the shores of southeastern Italy. It’s part of the Mediterranean. The waters are clear and warm, perfect for swimming, boating, any water-based recreation… or just providing a beautiful backdrop for daily life.

          The boating lifestyle is a major draw, with luxury marinas dispersed about the Bay. Even the Saudi royal family relocated its golden fleet of mega-yachts from Monaco here.

          The Bay also offers diverse lifestyle opportunities. One option is the Old World historical appeal found in Kotor Old Town. This UNESCO World Heritage Site is widely regarded as the best-preserved medieval town in the Mediterranean. It’s a compact, triangular area that you access via three gateways through thick stone walls. It’s dense with ancient architecture, plazas, and churches. Behind it, crumbling city walls zigzag up the steep mountain, and in front of it is the sea.

          Another option is the all-new, high-end, flashy private developments that around found scattered around the Bay.

          One of the best known is Porto Montenegro, developed by Canadian gold billionaire Peter Munk into the largest marina in Southern Europe.

          Luxury penthouses now sell for millions of dollars… the shopping center features high-end brands such as Dior, Rolex, Burberry, and Balenciaga… A-listers flock here to dock their super yachts.

          Between Kotor Old Town’s historical charm and projects like Porto Montenegro that target the 1%, there are half-measures, of course, like the normal towns of Tivat, Kotor, and the areas surrounding them.

          Inland from Kotor Bay, Montenegro houses even more surprises. Only a few hours’ drive away, there are two ski resorts. This is a place where you can ski in the morning and then swim in the Mediterranean in the afternoon.

          Montenegro has a burgeoning reputation as an extreme sports destination.

          One look at the topography and you’ll understand why… Sharp peaks create opportunities to practice wind sports, while national parks, like the UNESCO-recognized Durmitor National Park, provide hiking, abseiling, rock climbing, and whitewater rafting opportunities.

          On top of all of this, the cost of living in Kotor Bay is low. A couple can live comfortably here on a budget of about 2,000 euros per month.

          Compared to places in Croatia and Italy, where what’s on offer is roughly the same, prices here are a downright bargain, especially when it comes to real estate.

          On average, you can expect to pay about 800 to 1,000 euros per month in rent for a standard two-bedroom apartment.

          You can buy a modest, two-bedroom home, albeit one likely in need of some TLC, for as little as 50,000 euros. Inland, this price can go even lower.

          For high-end property, luxury condos with a wealth of on-site luxury amenities located just minutes from Porto Montenegro Marina, are on the market for under 140,000 euros.

          If you announce to friends and family, “I’m moving to Montenegro,” you’ll probably get some funny looks… Not many people have heard of Montenegro; to move here, you’ve got to be a little adventurous…

          But you’ll be rewarded for your boldness.

          You’ll be among the first to arrive in a place that we predict is going to explode in popularity over the coming years.

          You’ll enjoy stunning sea and mountain vistas every day… You’ll lower your current cost of living… You’ll enjoy mild temperatures year-round as well as access to untouched nature…

          You’ll be able to choose the lifestyle that suits you best among a diverse array of opportunities… you’ll have a friendly expat community to lean on… and you’ll be making a smart move, as property is still affordable, and it gets you residency and potentially a backdoor to the EU…

          Sincerely,

          Sophia Titley signature

          Sophia Titley
          Editor, Overseas Living Letter

          Share125Tweet78
          Sophia Titley

          Sophia Titley

          For Sophia Titley, home is a subjective concept. She was born in Singapore but grew up in Indonesia and Saudi Arabia… and has since lived in Canada, Spain, Colombia, and, most recently, Panama. She studied political science and Spanish at the University of British Columbia, and in her free time enjoys trying new recipes, playing soccer, and salsa dancing.

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                HOME

                Top Countries

                • Spain
                • Portugal
                • Panama
                • Belize
                • Colombia
                • Cyprus
                • Mexico
                • France
                • Montenegro

                Best For:

                • Health Care Abroad
                • Retirement Living
                • Cost Of Living
                • Investing in Real Estate
                • Establishing Residency
                • Gun Ownership
                • English Speakers
                • Safety
                BROWSE ALL COUNTRIES

                Budgets

                How Much Will It Cost
                To Live Overseas?

                Super Cheap

                • Chitré, Panama
                • Santa Marta, Colombia
                • Phuket, Thailand
                • Dumaguete, The Philippines

                Cheap

                • Medellin, Colombia
                • Boquete, Panama
                • Kyrenia, Cyprus
                • Hua Hin, Thailand
                • The Algarve, Portugal

                Affordable

                • Valencia, Spain
                • Cascais, Portugal
                • Las Terrenas, The DR
                • Pisa, Italy
                • La Rochelle, France
                • Mazatlán, Mexico

                Luxury

                • Ambergris Caye, Belize
                • Kotor, Montenegro
                • The Panama City Beaches
                • Paris, France

                Resources

                Global Living

                • Living & Retiring Overseas
                • Raising A Family Abroad
                • Foreign Residency & Citizenship
                • Offshore & Diversification

                Making Money

                • International Real Estate
                • Banking
                • Employment
                • Investing
                Meet Our Experts

                Real Estate

                Overseas Property Alert 

                 

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                VISIT SITE

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                Discover tips and strategies used by global property investing veterans

                READ MORE

                Explore Our Latest Posts

                 

                Learn how to invest and purchase property abroad…

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                PRE-REGISTER

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                PRE-REGISTER
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                Contact Our Events Team:

                Toll-Free U.S. and Canada:
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                From Outside North America:
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                Working Hours
                Monday – Friday 08:00 am – 17:00 pm EST.

                Reach us with your questions by email at: events@liveandinvestoverseas.com

                Store

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                • Hours of coverage  from our latests conferences

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                THE 10 BEST PLACES TO RETIRE IN 2025

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