Retirement in Montenegro 2025: Healthcare, Residency & Property
Montenegro’s stunning coastline, affordable property prices, and robust healthcare system make it an increasingly popular retirement destination for 2025. With simplified residency options and attractive tax benefits, Montenegro offers retirees a peaceful and rewarding lifestyle. This guide outlines essential information on healthcare, residency, and property ownership for retirees.
1. Best Beachfront Locations for Retirees in Montenegro
1. Budva Riviera – Coastal Comfort with Vibrant Living
Ideal for retirees seeking a lively atmosphere with easy access to beaches, restaurants, and cultural events.
Popular developments like Dukley Gardens offer premium seafront apartments and villas.
Average Property Prices:
Apartments: €3,500 – €6,000/m²
Villas: €5,000 – €8,000/m²
2. Herceg Novi – Relaxed Coastal Lifestyle
Herceg Novi’s charming promenade, mild climate, and stunning sea views make it a peaceful yet social retirement destination.
Affordable property options and proximity to Croatia make it highly desirable.
Average Property Prices:
Apartments: €1,800 – €3,000/m²
Villas: €3,000 – €5,000/m²
3. Bar – Affordable Coastal Living
Bar offers budget-friendly seafront properties in a peaceful setting.
Ideal for retirees seeking low-cost living without sacrificing coastal charm.
Average Property Prices:
Apartments: Starting from €1,500/m²
Villas: €2,500 – €4,500/m²
2. Best Mountain Retreats for Retirees in Montenegro
1. Kolasin – Scenic Mountain Escape
Kolasin is ideal for retirees seeking fresh mountain air, skiing opportunities, and quiet surroundings.
Affordable chalets and mountain homes make this a cost-effective retirement option.
Average Property Prices:
Apartments: Starting from €1,200/m²
Villas/Chalets: €2,000 – €4,000/m²
2. Zabljak – Nature Lover’s Paradise
Located near the stunning Durmitor National Park, Zabljak is perfect for retirees who enjoy outdoor activities.
Offers tranquil living with easy access to hiking, skiing, and mountain retreats.
Average Property Prices:
Apartments: Starting from €1,300/m²
Villas/Chalets: €2,500 – €4,500/m²
3. Healthcare in Montenegro for Retirees
Montenegro provides quality healthcare services at affordable rates, with both public and private options available:
Public Healthcare System:
Access is available to all residents with a health insurance card.
Public healthcare is ideal for routine check-ups and general treatments.
Private Healthcare System:
Offers faster access to specialists and modern medical facilities.
Costs for private care are significantly lower than in Western Europe.
Tip: Many retirees opt for private healthcare insurance to access premium services.
4. Residency for Property Owners in Montenegro
Buying property in Montenegro can qualify you for a Temporary Residence Permit, offering key advantages:
Long-term stay rights for retirees.
Easier access to Schengen countries for travel.
Simple renewal process with proof of property ownership and financial stability.
Tip: Partner with Boka Real Estate for expert assistance with the residency process and finding ideal retirement properties. Contact us at +38266195383 or visit bokarealestate.me.
5. Tax Benefits for Retirees in Montenegro
Property Taxes:
Property Transfer Tax: 3% on resale properties.
VAT: 21% on newly built properties purchased directly from developers.
Rental Income Tax:
A flat 9% tax on rental income for retirees who wish to rent their property part-time.
No Inheritance Tax:
Montenegro does not impose inheritance tax for immediate family members, making it easier to pass property to loved ones.
6. Why Choose Boka Real Estate for Your Retirement Investment?
Boka Real Estate specializes in helping retirees secure affordable beachfront and mountain property deals in Montenegro. Our experienced team offers expert insights, exclusive listings, and seamless support to ensure a stress-free buying process.
Contact Boka Real Estate Today
For expert advice, property listings, and personalized retirement investment support, contact Boka Real Estate at +38266195383 or visit bokarealestate.me.
Find your perfect retirement property in Montenegro with Boka Real Estate — your trusted property partner for 2025 and beyond.
