How to Make Money on Real Estate in Montenegro in 2025

How to Become a Successful Investor in Montenegro Real Estate in 2025

With its picturesque landscapes, sunny beaches and rich history, Montenegro is becoming an increasingly attractive destination for real estate investment. In 2025, the Montenegrin real estate market promises to be stable and promising, opening up new opportunities for foreign investors. Investing in real estate in this country can not only bring profit, but also become a path to obtaining a residence permit or even citizenship.

Market research is the key to successful investments

Before making any decisions, it is necessary to conduct a thorough research of the Montenegrin real estate market. It is important to study current prices and trends, which may vary depending on the region and type of property. The average cost of an apartment in Montenegro is about 3,800 euros per square meter, and houses are approximately 3,600 euros per square meter. However, in popular tourist destinations such as Budva, Kotor, Herceg Novi and Tivat, prices can reach 6,000 euros per square meter.

Analyzing prestigious areas and price growth prospects will help you identify the most profitable investment opportunities. For example, the elite Porto Montenegro area in Tivat, with its luxury villas and yacht marina, can be a profitable investment for wealthy investors.

Setting goals and budget is a key step to success

• Before you start looking for a property, you need to clearly define the purpose of the purchase. Are you planning to rent out the property, move to Montenegro permanently, or buy a country house for vacation? Each goal requires a different approach and budget. It is important to carefully analyze your budget, taking into account not only the cost of the property itself, but also additional costs such as property tax (3-6% of the cadastral value), realtor, notary and translator fees.
• A clear idea of ​​your financial capabilities will help you avoid unnecessary risks and save time and money. After thoroughly researching the market and setting goals and budget, it is time to choose the desired property. Whether it is a luxury villa in the capital Podgorica, a modern house in a new part of the city or apartments in a prestigious resort complex.
• It is very important to find a reliable real estate agent. Cooperation with an experienced and reliable real estate agent can be the key to a successful transaction. A professional agent will not only help you find a suitable property, but will also advise you on all legal and financial aspects of the transaction. When choosing an agent, you should pay attention to their reputation, experience and the availability of an appropriate license. It is recommended to request reviews from other clients and review the agent's portfolio. A reliable specialist will be able to provide full advice and support at all stages of the purchase, saving time and money.

Download the mobile app!

Install our app and get all the tools you need to search for real estate abroad in your smartphone! The mobile application will allow you to quickly access your personal account, manage your favorite properties and track your requests, directly exchange messages with sellers and buyers.

Legal and tax aspects

Investing in real estate in Montenegro requires familiarization with current legislation and tax obligations. The Foreign Investment Act allows foreign investors to invest in commercial or residential real estate, but provides for certain requirements and additional fees.

Investments in the northern and central districts of Montenegro require an investment of at least €250,000, while in the coastal areas, it is €450,000. In addition, there is an additional government fee of €200,000. It is also important to consider tax obligations, such as property tax and rental income tax. Consulting a local lawyer or tax advisor will help you understand the intricacies of the legislation and avoid unnecessary risks.

Obtaining a residence permit

Investing in real estate in Montenegro can open the way to obtaining a residence permit (RP) in this country. To obtain a RP, you must maintain your investment for at least 5 years. After this period, you can apply for permanent residence. After 10 years of residence in Montenegro, subject to certain criteria, such as knowledge of the language and integration into society, foreign investors can apply for citizenship. A residence permit in Montenegro opens access to all the benefits of life in this picturesque country, including visa-free travel to the Schengen area, a high level of security and quality medical care.

In conclusion, investing in Montenegro real estate in 2025 opens up great opportunities for making a profit, diversifying your investment portfolio, and even obtaining a residence permit or citizenship in this picturesque country. However, successful investments require careful planning, market research, compliance with legal regulations, and the involvement of professional assistance. Given the growing demand for real estate, a favorable investment climate, and prospects for the development of the tourism industry, Montenegro remains an attractive destination for foreign investors.

In addition to traditional forms of investment, there are also alternative strategies, such as participation in construction projects, crowdfunding, or investment funds. Do not forget about environmental aspects — investing in «green» projects and sustainable development not only helps preserve Montenegro's natural resources, but can also bring financial benefits in the long term. The main thing is to carefully study all the possibilities, weigh the risks and benefits, and attract experienced professionals to ensure the safety and success of real estate investments in this amazing country.