Best Places to Live in Montenegro: Culture, Coastlines, and Tranquility

Best Places to Live in Montenegro
Explore Montenegro, where natural beauty meets serene, inspiring villages.|©iStock/narvikk

There are so many well-known European destinations renowned for their ability to inspire artists and other creative souls, where settings become a character unto themselves. Thanks to their tranquil ambiance and stunning natural settings, several Montenegrin hidden gems have become my muses—not only for my writing but also for my overall life.

If Montenegro is new to you, you aren’t alone. Despite its breathtaking landscapes, it somehow remains off the radar. Located in Southeastern Europe, Montenegro is a Balkan country bordering Croatia to the north, Albania to the south, and sharing its eastern borders with Serbia and Bosnia and Herzegovina. Positioned along the stunning Adriatic Sea, Montenegro boasts a rich cultural heritage and a natural beauty that is both diverse and dramatic.

The country’s appeal extends beyond its geography. Two international airports (in the capital Podgorica and Tivat), affordable public transportation, and easy bus connections to neighboring countries make it accessible. My first visit was driven by a need to exit the Schengen Zone to comply with visa rules. It was Montenegro’s beauty, charm, and tranquility that drew me back time and again.

The beauty of Montenegro is found not only in its landscapes but also in its alluring villages—each a unique reflection of its culture, history, and natural surroundings. The balance between the rugged outdoors and the welcoming warmth of its people makes it stand out. I’m honored to shed a shining light on some of the towns in Montenegro that are not only my favorite places in Montenegro but also rank high on my overall list of favorite destinations internationally.

Perast: Timeless Tranquility

Experience the fairytale charm of Perast with its stunning bay views and rich history.
Experience the fairytale charm of Perast with its stunning bay views and rich history.|©iStock/Kateryna Kolesnyk

Of all the places I have visited, few capture my heart like Perast. This diminutive, postcard-perfect village is the embodiment of tranquility and beauty. Although tiny in size, with only about 300 full-time residents, Perast offers a vast sense of peace and inspiration, making it a haven for those looking to slow down and reconnect with themselves.

Time seems to stand still in Perast; being here feels like being in a fairytale. It’s no wonder that I see innumerable newlyweds choosing the idyllic spot as the memorable backdrop for their photos. Visiting Perast reminds me of the quote by Leonardo da Vinci, “Simplicity is the ultimate sophistication.”

Perast, framed by the stunning Kotor Bay—often called Europe’s southernmost fjord—exudes an enchanting atmosphere shaped by the interplay of land, sea, and sky. The bay’s azure waters contrast with the dramatic mountains, which rise steeply from the shoreline and pierce the billowy white clouds above.

The town’s natural beauty vies with its architectural allure. A stroll along the pedestrianized seaside promenade reveals not only breathtaking scenery but also Perast’s elegant stone mansions, historic palaces, and inviting al fresco dining terraces.

Perast’s history, dating back to medieval times, is rooted in its prominence as a maritime and trading hub along the Adriatic coast. Its strategic location attracted empires throughout the centuries, and the town’s well-preserved architecture reflects Venetian, Austrian, and French influences. Among Perast’s most notable features are its collection of Baroque and Venetian-style palaces and churches. The town is home to 16 churches, many of which are architectural marvels, including the iconic Our Lady of the Rocks. This church, perched on a man-made island in the bay, is tied to a local legend that fishermen built the island by dropping stones into the sea after discovering a sacred icon of the Virgin Mary. Today, boats regularly ferry visitors to this picturesque pilgrimage site.

Notwithstanding its tiny size, Perast boasts an impressive array of restaurants and cafes, as well as accommodations. The culinary scene in Perast—an enticing mix of traditional Montenegrin fare and fresh seafood—makes it a destination in itself, particularly given the stunning views enjoyed by all of the restaurants. One of the most highly regarded restaurants is Conte, known for its fresh seafood and elegant terrace overlooking the bay. Another waterfront staple in Perast, with cozy inside dining as well, is Armonia. The restaurant is known for its Mediterranean cuisine and traditional fare, blending local flavors with international techniques.

Perast’s accommodations include elegant hotels housed in palaces, chic boutique hotels, and charming independent apartments. It seems that all the accommodations—positioned in a curve around the bay in a terraced-like manner—provide enviable sea views. It’s like an amphitheater of beautiful manor houses and palatial structures with distinguished terracotta-tiled roofs contrasting with the beautiful stone masonry.

The gracious Heritage Hotel Leon Coronato, housed in a former palace, offers gorgeous rooms, an inviting spacious terrace, and impeccable service. The stately Hotel Conte, with a range of suites and apartments, and a scrumptious breakfast is another excellent choice. For those seeking a more intimate experience, there are also several charming bed and breakfasts and Airbnbs for a home-away-from-home experience with a kitchen and stunning balcony views.

Perast is a showstopper for me for enjoying a tranquil day by the water and savoring local cuisine while basking in jaw-dropping natural beauty. My favorite part of each day, though, is early morning and at dusk in the evening. I love savoring Perast’s natural beauty and peaceful ambiance at sunrise, breathing in the energizing sea air, and feeling like I have the village all to myself before the day starts to unfold with businesses getting ready to welcome day-trippers.

At sunset, the village takes on an ethereal quality as I stroll along the lovely promenade lined with imposing graceful pine trees, ubiquitous pomegranate trees, regal palaces, and stone mansions with balconies adorned with perfectly manicured flowers, accompanied by the sound of waves lapping against the shore and the melodious church bells. The sun casts an ethereal glow over exquisite Perast with a cascade of pretty pastel colors. Picturesque serenity captures the essence of Perast for me at these times, and that’s why I highly recommend at least an overnight stay.

Perast’s unhurried pace, stunning vistas, and rich heritage make it the perfect destination for those looking to experience the Adriatic’s timeless charm.

Kotor: A Medieval Masterpiece

Step into history in Kotor’s Old Town, surrounded by sea and mountains.
Step into history in Kotor’s Old Town, surrounded by sea and mountains.|©iStock/holgs

Just a short drive or bus ride from Perast lies the larger, but equally charming, town of Kotor. This UNESCO World Heritage site is famous for its well-preserved Old Town. Kotor blends the best of antiquity with old-world charm and modernity with the finest amenities. The town’s history is palpable in its labyrinthine streets, medieval walls, and well-preserved buildings.

Founded by the Romans in the 3rd century BC, Kotor has witnessed the rise and fall of empires, from the Byzantines to the Venetians, and the Austro-Hungarians to the Yugoslav era, resulting in a fascinating fusion of architectural styles. The town’s architectural splendor is best exemplified by St. Tryphon Cathedral, a majestic structure that towers over the main square.

The heart of Kotor’s historical charm lies within the winding cobblestone streets of the Old Town, replete with numerous lovely squares, ornate palaces, and medieval churches. The inviting maze of narrow streets, charming squares, and beautifully preserved Venetian buildings are lined with inviting cozy cafes and cosmopolitan restaurants.

My favorite thing to do in Kotor is simply wandering throughout its atmospheric Old Town, soaking in its pristine sophistication, enjoying the energy of its many piazzas, and window shopping at its boutique shops. If you’re lucky, you’ll be here on market day where locals line up along the medieval walls with a lively display of local products, most notably the cured meats and cheeses the country is known for.

One of Kotor’s greatest draws is its stunning location, tucked between the Adriatic Sea and the towering mountains. The combination of sea and mountains creates a dramatic backdrop that changes hues with the shifting sunlight. The hike up to the San Giovanni Fortress above the Old Town is well worth the effort for the panoramic views of Kotor, its bay, and the surrounding mountains.

For those looking to stay in Kotor, Pearl Apartments in the heart of the Old Town is a favorite. Spacious and elegant, these apartments make you feel as though you’re living in a historical palace. Another excellent option in the Old Town is Hotel Astoria, housed in a 13th-century palace and blending modern luxury with old-world charm.

The Astoria restaurant is one of my restaurant recommendations as well. The interior is chic and al fresco dining in the pretty outdoor terrace puts you in the heart of the action. Another option for a memorable dining experience is Galion. One of Kotor’s top five dining establishments, Galion is revered for its fresh seafood and Mediterranean flavors. Situated along the waterfront, Galion boasts stunning views of the bay and Old Town and is a perfect spot for a romantic candlelit dinner. Kotor also has many bakeries with freshly made pastries like börek. Strolling through the Old Town early in the morning before the town becomes crowded, enjoying a crisp warm rolled pastry filled with sweet zucchini, is one of my favorite memories of Kotor.

Kotor’s enchanting Old Town, scenic hikes, and idyllic bay make it an unforgettable experience. Surrounded by natural beauty, Kotor offers the best of all worlds, making it a great base for anyone interested in a sophisticated and charming Old Town with world-class amenities and options for dining and shopping.

Petrovac na Moru: Coastal Serenity

Find peace in Petrovac, where quiet beaches and cultural charm await.
Find peace in Petrovac, where quiet beaches and cultural charm await.|©iStock/Pilat666

For travelers seeking a less touristy place than Perast and a quieter alternative to Kotor, Petrovac na Moru is a hidden gem along the Adriatic coast. This tranquil town, nestled between dramatic cliffs and the sparkling sea, offers a peaceful escape for those seeking serenity and nature.

Petrovac is characterized by its pristine beaches and crystalline waters. The laid-back town endearingly wraps around the main crescent-shaped sandy beach like a protective embrace. The pretty beach has crystal-clear waters and is surrounded by lush greenery. The lovely olive-tree-lined promenade imparts a buzzing energy throughout the day with vibrant cafes and bars.

Despite its modest size, Petrovac boasts a rich cultural scene. The iconic St. Peter’s Church, with its red-tiled roof and timeless beauty, is a testament to the town’s historical significance, as well as being Petrovac’s namesake. There is also a museum with archaeological artifacts and exhibits providing insights into the area’s past.

Like the other towns, Petrovac’s charming streets captivatingly blend antiquity and modernity with traditional stone houses juxtapositioned with modern restaurants and shops, adding a lively atmosphere to the tranquil setting.

Petrovac’s history—which stretches back more than 2,000 years—is evident throughout the town’s architecture and landscape. One of the most notable landmarks is Castello Fortress, perched at the edge of the main beach. Originally built by the Venetians in the 16th century, the fortress offers panoramic views of the town and the azure sea beyond. Another must-see is the Roman Mosaics, a 4th-century archaeological site located just a short walk from the beach. These well-preserved mosaics showcase intricate patterns and tell a story of the Roman influence that once spread throughout the region.

My favorite part of Petrovac is leisurely hiking the surrounding trails, which wind through the lush hills encircling the town, providing breathtaking panoramic views of the coastline. Fragrant pine trees, olive groves, and vineyards offer a serene backdrop. The fresh sea air and vistas of stunning cliffs and turquoise waters will always draw me back to this hidden gem. Kayaking along the coast is another popular way to enjoy the area’s secluded beaches and stunning cliffs.

Petrovac boasts several delightful restaurants along the promenade and seafront, with many focusing on fresh seafood and Mediterranean flavors. For an elegant dining experience with a stunning view of the sea, Restaurant Kastel, located within Castello Fortress, specializes in seafood dishes like grilled octopus. Another excellent choice is Konoba Katic, a family-run restaurant known for its traditional Montenegrin cuisine. With a cozy atmosphere and warm hospitality, it’s the perfect place to try Montenegrin specialties such as lamb cooked under the bell (sač) and Njeguški steak. For a more casual bite, Pizzeria Lazaret offers mouth-watering pizza with a Montenegrin twist. Their wood-fired pizzas, made with local ingredients, are perfect for a laid-back meal after a long day at the beach.

Petrovac offers a range of accommodations, from luxurious seaside hotels to cozy guesthouses. For those seeking luxury, Hotel Riva is a top choice. A stylish beachfront hotel with a central prime location offers modern amenities, spacious rooms with sea views, and excellent service. Travelers looking for a more intimate experience may prefer Vila V Lux, a family-run guesthouse just a short walk from the beach. With its welcoming atmosphere and spacious, well-appointed apartments, it’s perfect for those who want a more home-like feel during their stay. For budget-conscious travelers, Hotel Castellastva offers great value without compromising on comfort. Set within lush gardens, this charming hotel is just a few minutes from the beach and features comfortable rooms, a lovely terrace, and friendly staff.

For me, seaside Petrovac offers the best of all worlds. It has all the amenities I want while oozing laid-back charm in a breathtaking setting. Similar to Perast, Petrovac has an aura of tranquility, but it also has more of a local feel than Perast, with more modern conveniences and fewer day-tripping tourists. This hidden gem, with a perfect balance of relaxation and adventure, offers an idyllic retreat for those who want to enjoy the coast and the warm hospitality that Montenegro is known for.

Europe at a Relative Bargain

Montenegro offers stunning landscapes and a low cost of living for expats and travelers.
Montenegro offers stunning landscapes and a low cost of living for expats and travelers.|©iStock/Bogdan Lazar

The average cost of living in Montenegro varies depending on location and season, but generally, it’s more affordable compared to many Western countries—particularly in Europe. Monthly rent for a one-bedroom apartment ranges between $500 and $1,800, depending on whether you’re in a city or more tourist-heavy area, with utilities averaging between $100 and $200. Dining out is quite affordable as well, with an inexpensive meal costing between $7 and $15, while a three-course meal for two at a mid-range restaurant with wine can range from $30 to $70.

To get the most out of Montenegro, having a car would be ideal for easily visiting its alluring towns. However, most major towns are serviced by relatively inexpensive buses, and there are intercountry buses to neighboring countries like Croatia. The Montenegrin border is conveniently close to the international airport in Dubrovnik. Although the border crossings can be lengthy, many companies offer day trips between the two neighboring countries. The driving distance between Dubrovnik and Perast, for instance, is less than 50 miles and should take less than two hours.

The Essence of Montenegro

Wander through the enchanting cobblestone streets of Kotor’s historic Old Town.
Wander through the enchanting cobblestone streets of Kotor’s historic Old Town.|©iStock/Starcevic

What makes Montenegro so special is its ability to offer a rich variety of experiences within such a small area. Montenegro is characterized by a rare sense of serenity and almost magical quality. Its charm is not just in its breathtaking landscapes but in the way it makes you feel. It invites you to slow down, breathe deeply, and appreciate the beauty of nature and life in all its simplicity. For me, it has become a place of inspiration and renewal—a place where I can reconnect with my creative spirit and find peace in the world around me.

Montenegro offers visitors and retirees a relatively low cost of living, breathtaking coastal and mountain landscapes, charming villages, gorgeous hiking and boat rides, a mostly Mediterranean climate, and friendly, inviting locals. Additionally, Montenegro’s two international airports, straightforward residency process, tax incentives, and growing expat community make it a welcoming and user-friendly choice for retirement.

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