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The Montenegrin coast is becoming an increasingly attractive destination for property buyers. Whether you’re looking for a seaside apartment, a luxury home to live in, or a smart investment opportunity, this beautiful coastline has it all. Montenegro is a country rich in breathtaking landscapes, stunning natural beauty, and a fascinating history — and each year, more and more people are choosing to make its coast their new home.
In this guide, we’ve put together the most important tips and information to help you make an easier, smarter decision when buying real estate in Montenegro, especially along its popular coastline.

Tips for future property owners on the Montenegrin coast

1. Research the market and choose the right location. Budva, Kotor, and Tivat are towns where you can always expect more tourists, crowds, and generally a faster, more dynamic pace of life. On the other hand, Ulcinj, Bar, and Herceg Novi are known as quieter towns, ideal for a more peaceful lifestyle. It’s important to match your property choice to your lifestyle, needs, and long-term plans.
2. Verify the ownership and legal status of the property. Always thoroughly check whether the property is registered in the land registry, and if there are any mortgages, shared ownership, or other legal restrictions on it.
3. Consider the rental potential of the property. If you plan to rent out your property, check what would be most profitable for you. Keep in mind that the Montenegrin coast has a strong tourist season.
4. Research the developers. When buying a property still under construction, which is often the case with new builds, make sure to check the developers’ background. Verifying their reputation helps reduce the risk of scams, construction delays, or quality issues.
5. Choose an agency with strong market knowledge. This is crucial, as understanding market conditions and trends greatly simplifies the property buying process. Thanks to its many years of experience, Amfora Agency can be your reliable partner throughout this journey. We have excellent knowledge of the Montenegrin real estate market, especially along the coast, where the majority of our properties are located. You can view our property listings here. For any questions, feel free to contact us or visit our office in Budva — we’re always open and ready to assist you!

Advantages of buying property on the Montenegrin coast

The real estate market in Montenegro, especially along the coast, is experiencing steady growth. More and more foreigners are showing interest in properties on the Montenegrin coast, which appeals equally to retirees and those who take advantage of remote work opportunities. This consistent growth and demand ensure a stable and secure real estate market on the Montenegrin coast.
Simple buying process and favorable tax policy. Purchasing property in Montenegro is straightforward and accessible for both locals and foreigners. Foreign buyers can purchase apartments, houses, and commercial spaces without restrictions, and the process is fast and transparent. According to the current Property Transfer Tax Law, article 11 states that the tax rates are progressive and as follows:
- up to €150,000: 3%;
- over €150,000.01: €4,500 plus 5% on the amount exceeding €150,000.01;
- over €500,000.01: €22,000 plus 6% on the amount exceeding €500,000.01.
What is subject to taxation, and who is exempt from paying this tax, read here: https://wapi.gov.me/download-preview/bb71f5de-1ab4-49a5-8cd3-edc736c6076e?version=1.0. 
Investing in real estate on the Montenegrin coast today is a blend of personal satisfaction and a smart business decision with long-term benefits.

Start your journey to your dream real estate on the Montenegrin coast — contact the Amfora Real Estate team today for all the information you need!