Moving to Montenegro from Pakistan

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What to Expect

Everything you need to know before relocating from Pakistan to Montenegro — costs, safety, healthcare, and practical first steps.

If you moved from Pakistan to Montenegro, you would find that Montenegro is 2.9 times more expensive than Pakistan overall. A PKR21,000,000 salary in Pakistan would need to be roughly €199,000 in Montenegro to maintain the same lifestyle, and you’d need to navigate life in Montenegrin. You’ll also switch from driving on the left to the right. Expect a noticeable climate shift — Podgorica averages 69°F vs 84°F in Islamabad, making it significantly cooler.

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How Far Will Your Money Go?

What to expect for your wallet after moving from Pakistan to Montenegro.

What does your salary buy?

PKR21,000,000 → €199,000

To maintain the same standard of living in Montenegro

Calculate with your salary →

Where you'll feel the difference day-to-day

Restaurants

pay 3.8 times more

Groceries

pay 2.2 times more

Transportation

pay 73.3% more

Housing

pay 4.2 times more

Childcare

pay 6.1 times more

Entertainment and Sports

pay 67.9% more

See full cost of living breakdown
Exchange rate: 1 PKR = 0.0032 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.

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 69% more than cities in Pakistan.

Pakistan

Lahore 19%
Karachi 19%

Montenegro

Tivat 43%
Kotor 42%

Compare cities head-to-head

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Key Indicator Comparison

Key indicators for anyone considering a move from Pakistan to Montenegro.

Is it safe?

Homicide rate World Bank, 2023

per 100,000 people per year

PK
4.3
ME
0.8
Road traffic deaths United Nations SDG Indicators, 2021

per 100,000 people per year

PK
11.9
ME
9.1

Montenegro performs significantly better than Pakistan across all safety metrics.

How's the healthcare?

Healthcare spending per person World Bank, 2023

annual government + private spending per person

PK
$152
ME
$2,908
Doctors per 10,000 people World Bank, 2023

affects wait times and access to care

PK
11.6
ME
27.8

Montenegro generally does better on health & wellbeing, though Pakistan 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

PK
105.0
ME
60.0

Montenegro performs significantly better than Pakistan across all environment metrics.

Will I have good infrastructure?

Broadband per 100 people World Bank, 2024

fixed broadband subscriptions — key for remote work

PK
1.5
ME
32.3
Electricity per capita World Bank, 2023

annual consumption — reflects grid capacity

PK
518 kWh
ME
4,564 kWh

Montenegro performs significantly better than Pakistan across all infrastructure metrics.

What are the job prospects?

Unemployment rate World Bank, 2025

percentage of the labour force without work

PK
5.4%
ME
13.6%
GDP per capita World Bank, 2025

a broad measure of economic output per person

PK
$1,596
ME
$14,817

Montenegro generally does better on employment & economy, though Pakistan leads in unemployment rate.

Is it good for families?

Life expectancy World Bank, 2024

average years of life at birth

PK
67.8 yrs
ME
77.9 yrs
Infant mortality World Bank, 2024

deaths per 1,000 live births — lower is better

PK
48.2
ME
1.9

Montenegro performs significantly better than Pakistan across all family life metrics.

Sources: World Bank (2021–2025), United Nations SDG Indicators (2019–2021), World Health Organization (2024), Federal Board of Revenue, Government of Pakistan (2016), Department of Public Revenues, Montenegro (2016), The World Factbook (2021). How we calculate this

What's the Climate Like?

Monthly averages — select a city to compare.

Islamabad Rain: 49.1 in/yr (1247 mm)
84° / 58°F

Avg. annual high / low

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

Avg. annual high / low

Months Islamabad Podgorica
Jan–Mar 69°/44°F (21°/7°C) 53°/38°F (12°/3°C)
Apr–Jun 95°/68°F (35°/20°C) 75°/56°F (24°/13°C)
Jul–Sep 94°/74°F (34°/23°C) 86°/66°F (30°/19°C)
Oct–Dec 78°/48°F (26°/9°C) 61°/45°F (16°/7°C)
View all months
Month Islamabad Podgorica
Jan 64°/38°F (17.9°/3.2°C) 49°/35°F (9.5°/1.4°C)
Feb 68°/43°F (19.8°/6.0°C) 52°/38°F (11.3°/3.1°C)
Mar 76°/51°F (24.5°/10.7°C) 59°/42°F (15.1°/5.8°C)
Apr 87°/60°F (30.5°/15.8°C) 66°/48°F (19.1°/9.1°C)
May 97°/69°F (36.0°/20.7°C) 76°/56°F (24.3°/13.5°C)
Jun 101°/75°F (38.4°/23.8°C) 83°/63°F (28.2°/17.3°C)
Jul 96°/76°F (35.3°/24.4°C) 89°/69°F (31.8°/20.3°C)
Aug 93°/75°F (33.7°/23.8°C) 89°/68°F (31.7°/20.2°C)
Sep 93°/70°F (33.7°/21.1°C) 81°/62°F (27.3°/16.5°C)
Oct 88°/58°F (30.9°/14.5°C) 71°/53°F (21.7°/11.6°C)
Nov 79°/47°F (25.9°/8.3°C) 60°/44°F (15.4°/6.8°C)
Dec 68°/40°F (20.2°/4.3°C) 52°/37°F (11.1°/2.9°C)

Data: Institute of Hydrometeorology and Seismology Institute of Hydrometeorology and Seismology

Visitor Visa Requirements

Short-stay tourist visa rules between Pakistan 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.

Pakistan passport

Pakistan passport holder visiting Montenegro

Visa Required
Pakistan passport holders need a visa to enter Montenegro.
Montenegro passport

Montenegro passport holder visiting Pakistan

Visa Online (e-Visa)
Montenegro passport holders need to apply for an e-Visa before travelling to Pakistan.

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 Pakistan?

No — Montenegro is on average about 193% more expensive than Pakistan. City-level variation matters.

How much money do I need to move to Montenegro?

Plan for at least 3 months of living expenses — roughly €49,750 in Montenegro on a PKR21,000,000 comparable salary — plus one-off moving costs (flights, shipping, a rental deposit, and visa fees).

Can I work remotely from Montenegro?

Internet is rarely the blocker — Montenegro has 32.3 fixed broadband subscriptions per 100 people. The real questions are legal: digital nomad visa eligibility, your employer's overseas-work policy, and tax residency in both countries.

Is Montenegro safe for expats?

Montenegro performs significantly better than Pakistan across all safety metrics. The homicide rate in Montenegro is 0.8 per 100,000 people, compared to 4.3 in Pakistan.

How is healthcare in Montenegro compared to Pakistan?

Montenegro generally does better on health & wellbeing, though Pakistan leads in healthcare spending per person. There are 27.8 doctors per 10,000 people in Montenegro, compared to 11.6 in Pakistan. Montenegro scores 72 on the WHO universal health coverage index (Pakistan: 45).

What's the weather like in Montenegro compared to Pakistan?

The average high temperature in Podgorica is 69°F, compared to 84°F in Islamabad. Podgorica receives around 65.4 in of rainfall per year, while Islamabad gets 49.1 in.

What language do they speak in Montenegro?

The official language in Montenegro is Montenegrin. In Pakistan, the official languages are English and Urdu.

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At a Glance

PK ME
Population 255,219,554 623,129
Currency Pakistani Rupee (PKR) Euro (€)
Languages English, Urdu Montenegrin
Driving side Left Right
Calling code +92 +382
Time zones 1 1
Emergency number 15 112