Montenegro Retirement Visa 2025: Move, Live & Invest
With its serene coastal lifestyle, low cost of living, and growing healthcare infrastructure, Montenegro has become one of Europe’s top retirement destinations in 2025. The country offers a straightforward path to long-term residency for retirees, particularly those who invest in real estate. Here’s how to move, live, and invest in Montenegro through the retirement visa pathway.
1. What Is the Montenegro Retirement Visa?
The retirement visa is a form of Temporary Residence Permit available to non-EU citizens who wish to live in Montenegro long-term during their retirement years.
Key Benefits:
Valid for 12 months, renewable annually
Access to local healthcare and services
Ability to purchase and register property
Peaceful Mediterranean lifestyle
2. Who Can Apply for a Retirement Visa?
Applicants must:
Be retired or demonstrate stable income from pension, savings, or investments
Show proof of accommodation (owned or rented)
Have valid health insurance
Present a clean criminal background check
3. Why Retirees Are Buying Property in Montenegro
Affordable Prices: Coastal apartments start from €1,400/m² in towns like Ulcinj and Bar
Low Living Costs: Groceries, utilities, and healthcare are all reasonably priced
Scenic Quality of Life: Seaside promenades, mountain views, and tranquil living
Residency Eligibility: Real estate ownership can support your visa application
4. Best Places to Retire in Montenegro
Bar – Affordable and peaceful with excellent infrastructure
Herceg Novi – Scenic and health-focused coastal living
Tivat – Upscale marina lifestyle with modern amenities
Ulcinj – Warm climate and the best value on the coast
5. Required Documents for Retirement Visa
Valid passport
Proof of income or pension
Lease agreement or property title deed
Health insurance
Background check (from your country of origin)
6. Taxes & Property Fees for Retirees
Property Transfer Tax: 3% (resale properties)
VAT on New Builds: 21% if buying from a developer
Notary & Legal Fees: Around 1–2% of the property price
7. Why Work with Boka Real Estate
Boka Real Estate helps retirees:
Find affordable and scenic retirement homes
Navigate legal documentation and visa procedures
Connect with trusted healthcare, insurance, and legal providers
Contact Boka Real Estate Today
Call +38266195383 or visit bokarealestate.me for personalized advice on retiring and investing in Montenegro.
Enjoy your retirement years in peace and style — with Boka Real Estate as your trusted partner in Montenegro for 2025 and beyond.
