Moving to Montenegro from Bosnia and Herzegovina

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What to Expect

A comprehensive look at what changes when you move from Bosnia and Herzegovina to Montenegro — from daily expenses to quality of life.

If you moved from Bosnia and Herzegovina to Montenegro, you would find that Montenegro is 39.3% more expensive than Bosnia and Herzegovina overall. A BAM130,000 salary in Bosnia and Herzegovina would need to be roughly €92,600 in Montenegro to maintain the same lifestyle, and you’d need to navigate life in Montenegrin.

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Is Montenegro cheaper than Bosnia and Herzegovina?

The biggest cost differences at a glance

Restaurants

pay 45.5% more

Groceries

pay 0.7% more

Transportation

pay 7.2% more

Housing

pay 95.5% more

Childcare

pay 24.5% more

Entertainment and Sports

pay 40.5% more

See full cost of living breakdown
Exchange rate: 1 BAM = 0.5116 EUR (October 2026)

Data: MyLifeElsewhere's crowdsourced cost of living database, with prices submitted and updated by users worldwide. Exchange rates are refreshed regularly from public sources.

What salary do you need in Montenegro?

What does your salary buy?

BAM130,000 → €92,600

To maintain the same standard of living in Montenegro

Calculate with your salary →

Cost of living by city

Cost of living varies a lot by city. Each figure is a city's overall cost of living as a percentage of New York City (the priciest, = 100%).

On average, cities in Montenegro cost about 17% more than cities in Bosnia and Herzegovina.

Bosnia and Herzegovina

Mostar 34%

Montenegro

Tivat 43%
Kotor 42%

Compare cities head-to-head

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Who Else Is Making This Move?

Real numbers on people moving from Bosnia and Herzegovina to Montenegro, and how the trend has changed.

Living there in 2020
32,126

people born in Bosnia and Herzegovina live in Montenegro · UN DESA

Who's moving to Montenegro?

Top countries of origin for Montenegro's foreign-born residents.

Foreign-born population · UN DESA (2020)

Key Indicator Comparison

How Bosnia and Herzegovina and Montenegro stack up on safety, healthcare, jobs, and infrastructure.

Is it safe?

Homicide rate World Bank, 2023

per 100,000 people per year

BA
1.2
ME
0.8
Road traffic deaths United Nations SDG Indicators, 2021

per 100,000 people per year

BA
13.7
ME
9.1

Montenegro performs significantly better than Bosnia and Herzegovina across all safety metrics.

How's the healthcare?

Healthcare spending per person World Bank, 2023

annual government + private spending per person

BA
$1,989
ME
$2,908
Doctors per 10,000 people World Bank, 2023

affects wait times and access to care

BA
25.8
ME
27.8

Montenegro generally does better on health & wellbeing, though Bosnia and Herzegovina leads in healthcare spending per person.

What about the environment?

Air pollution deaths United Nations SDG Indicators, 2019

deaths attributable to air pollution per 100k people

BA
55.0
ME
60.0

Bosnia and Herzegovina performs better than Montenegro across all environment metrics.

Will I have good infrastructure?

Broadband per 100 people World Bank, 2024

fixed broadband subscriptions — key for remote work

BA
29.4
ME
32.3
Electricity per capita World Bank, 2023

annual consumption — reflects grid capacity

BA
3,677 kWh
ME
4,564 kWh

Montenegro performs significantly better than Bosnia and Herzegovina across all infrastructure metrics.

What are the job prospects?

Unemployment rate World Bank, 2025

percentage of the labour force without work

BA
11.0%
ME
13.6%
GDP per capita World Bank, 2025

a broad measure of economic output per person

BA
$10,382
ME
$14,817

Bosnia and Herzegovina generally does better on employment & economy, though Montenegro leads in gdp per capita.

Is it good for families?

Life expectancy World Bank, 2024

average years of life at birth

BA
78.0 yrs
ME
77.9 yrs
Infant mortality World Bank, 2024

deaths per 1,000 live births — lower is better

BA
5.5
ME
1.9

Montenegro generally does better on family life, though Bosnia and Herzegovina leads in life expectancy.

Sources: World Bank (2015–2025), United Nations SDG Indicators (2019–2021), World Health Organization (2024), The World Factbook (2021), Indirect Taxation Authority of Bosnia and Herzegovina (2016), Department of Public Revenues, Montenegro (2016). How we calculate this

Weather in Montenegro vs Bosnia and Herzegovina

Monthly averages — select a city to compare.

Sarajevo Rain: 37.4 in/yr (950 mm)
62° / 42°F

Avg. annual high / low

Podgorica Rain: 65.4 in/yr (1661 mm)
69° / 51°F

Avg. annual high / low

Months Sarajevo Podgorica
Jan–Mar 45°/30°F (7°/-1°C) 53°/38°F (12°/3°C)
Apr–Jun 70°/48°F (21°/9°C) 75°/56°F (24°/13°C)
Jul–Sep 79°/56°F (26°/13°C) 86°/66°F (30°/19°C)
Oct–Dec 51°/37°F (11°/3°C) 61°/45°F (16°/7°C)
View all months
Month Sarajevo Podgorica
Jan 39°/27°F (4.1°/-2.9°C) 49°/35°F (9.5°/1.4°C)
Feb 44°/29°F (6.6°/-1.9°C) 52°/38°F (11.3°/3.1°C)
Mar 53°/35°F (11.5°/1.4°C) 59°/42°F (15.1°/5.8°C)
Apr 62°/41°F (16.5°/5.1°C) 66°/48°F (19.1°/9.1°C)
May 71°/48°F (21.4°/9.0°C) 76°/56°F (24.3°/13.5°C)
Jun 78°/55°F (25.4°/12.6°C) 83°/63°F (28.2°/17.3°C)
Jul 82°/58°F (27.8°/14.2°C) 89°/69°F (31.8°/20.3°C)
Aug 83°/58°F (28.3°/14.3°C) 89°/68°F (31.7°/20.2°C)
Sep 72°/51°F (22.5°/10.4°C) 81°/62°F (27.3°/16.5°C)
Oct 63°/44°F (17.3°/6.5°C) 71°/53°F (21.7°/11.6°C)
Nov 51°/37°F (10.6°/2.8°C) 60°/44°F (15.4°/6.8°C)
Dec 40°/29°F (4.3°/-1.7°C) 52°/37°F (11.1°/2.9°C)

Data: Federal Hydrometeorological Service of the Federation of Bosnia and Herzegovina Federal Hydrometeorological Service of the Federation of Bosnia and Herzegovina, Institute of Hydrometeorology and Seismology Institute of Hydrometeorology and Seismology

Can you move from Bosnia and Herzegovina to Montenegro?

Short-stay tourist visa rules between Bosnia and Herzegovina and Montenegro. To live, work, or study long-term in Montenegro, you'll need a separate residence or work visa — check Montenegro's immigration authority.

Bosnia and Herzegovina passport

Bosnia and Herzegovina passport holder visiting Montenegro

Visa Free
Bosnia and Herzegovina passport holders can enter Montenegro without a visa.
Montenegro passport

Montenegro passport holder visiting Bosnia and Herzegovina

Visa Free
Montenegro passport holders can enter Bosnia and Herzegovina without a visa.

Data: Henley Passport Index. Check with the destination country's embassy for the most current requirements.

Frequently Asked Questions

Is it cheaper to live in Montenegro than Bosnia and Herzegovina?

Day-to-day costs in Montenegro run about 39% higher than Bosnia and Herzegovina on average; specific cities can swing further.

How much money do I need to move to Montenegro?

A safe rule of thumb is 3 months of local expenses plus relocation costs. On a BAM130,000 comparable salary, that's around €23,150 in Montenegro for everyday spending, before flights, shipping, a rental deposit, and visa fees.

Can I work remotely from Montenegro?

With 32.3 fixed broadband subscriptions per 100 people, Montenegro can support video calls in major cities. The hard part is paperwork — visa category, employer policy on overseas staff, and tax residency in Bosnia and Herzegovina and Montenegro.

Is Montenegro safe for expats?

Montenegro performs significantly better than Bosnia and Herzegovina across all safety metrics. The homicide rate in Montenegro is 0.8 per 100,000 people, compared to 1.2 in Bosnia and Herzegovina.

How is healthcare in Montenegro compared to Bosnia and Herzegovina?

Montenegro generally does better on health & wellbeing, though Bosnia and Herzegovina leads in healthcare spending per person. There are 27.8 doctors per 10,000 people in Montenegro, compared to 25.8 in Bosnia and Herzegovina. Montenegro scores 72 on the WHO universal health coverage index (Bosnia and Herzegovina: 66).

What's the weather like in Montenegro compared to Bosnia and Herzegovina?

The average high temperature in Podgorica is 69°F, compared to 62°F in Sarajevo. Podgorica receives around 65.4 in of rainfall per year, while Sarajevo gets 37.4 in.

What language do they speak in Montenegro?

The official language in Montenegro is Montenegrin. In Bosnia and Herzegovina, the official languages are Bosnian, Croatian and Serbian.

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At a Glance

BA ME
Population 3,140,095 623,129
Currency Bosnia-Herzegovina Convertible Mark (BAM) Euro (€)
Languages Bosnian, Croatian, Serbian Montenegrin
Driving side Right Right
Calling code +387 +382
Time zones 1 1
Emergency number 112 112