Can foreigners get a mortgage loan to buy a house in Kotor?

It might be tricky for a foreigner to obtain a mortgage loan for property in Montenegro . Erste Bank is the only bank lending to foreign property buyers, yet the primary qualification for an eligible foreign applicant is to have a residence permit in the country.

How much do utilities cost in Kotor?

House maintenance costs are not so high in Kotor as compared to the rest of Europe. Read more about major housing and home ownership costs in Montenegro.

Can buying a house in Kotor also get foreigners a residence permit in Montenegro?

A property purchase in Montenegro will get residence in the country (except for property for further development that would not qualify a buyer for a residence permit). There is no minimum investment threshold for a residence permit. The purchased property should be free and clear of any encumbrances. Read more in our article .

How to get citizenship in Montenegro by buying a house in Kotor?

To get citizenship in Montenegro , you would have both to purchase a property out of the government-approved pool investing at least € 250,000 and donate at least € 100,000 to the government fund.

What is the process of buying a house in Montenegro?

It will take 2–4 months in average to register property ownership in Montenegro. To close a transaction, a foreign buyer needs to present a foreign passport of the home country, an individual seller is to produce a legal proof of property ownership and the excerpt from record in the local property registry, and a corporate seller should additionally provide the buyer with its corporate documents. See details here .

What are the house prices in Kotor?

The house prices in Kotor vary in a range of €2500-3500 for a square metre depending on the region and distance from the sea.

What taxes are charged on house purchase, ownership, and sale in Kotor?

A transfer tax at 3% is charged on real estate transfers in Montenegro, and 21% VAT is levied if property has not been sold before. The real estate tax is levied for the use of the property at the rates ranging from 0.25 to 1% of the property value. Read more about the taxes charged on house purchase, ownership, rent, and sale in Kotor on the website .

Key takeaways about Kotor to know before property purchase: what makes the region special?

Kotor is a finely-preserved historic town, and the old city of Kotor is a UNESCO World Heritage site. It is the administrative, cultural, religious, education, and economic centre of the Bay of Kotor, and a good destination for city tours and excursions. Kotor is a walled town with the longest wall walk in Europe, and is remarkably scenic with abundant historic sights and monuments of architecture against the background of the mountains plunging almost vertically into the sea. There are no arranged beaches with kempt facilities in Kotor, and the coastal water here is not so clean as in the other resort towns.

Kotor House for Sale

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4-bedroom cottage 120 m² in Kotor city

Kotor city, Kotor, Montenegro

600,000 €

Total area 120 m² · 4 bedrooms

The first line

4-bedroom villa 149 m² in Kotor city

Kotor city, Kotor, Montenegro

470,000 €

Total area 149 m² · Land area: 168 m² · 4 bedrooms · 3 bathrooms

3-bedroom villa 206 m² in Kotor city

Kotor city, Kotor, Montenegro

1,350,000 €

Total area 206 m² · Land area: 280 m² · 3 bedrooms · 3 bathrooms

4-bedroom villa 175 m² in Kotor city

Kotor city, Kotor, Montenegro

750,000 €

Total area 175 m² · Land area: 241 m² · 4 bedrooms · 2 bathrooms

The first line

5-bedroom villa 400 m² in Stoliv

Stoliv, Kotor, Montenegro

1,500,000 €

Total area 400 m² · Land area: 370 m² · 5 bedrooms · 6 bathrooms

With swimming pool

6-bedroom villa 240 m² in Stoliv

Stoliv, Kotor, Montenegro

750,000 €

Total area 240 m² · Land area: 680 m² · 6 bedrooms · 5 bathrooms

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With swimming pool

6-bedroom villa 300 m² in Dobrota

Dobrota, Kotor, Montenegro

1,920,000 €

Total area 300 m² · Land area: 325 m² · 6 bedrooms · 6 bathrooms

4-bedroom villa 414 m² in Dobrota for 2,450,000 €

With swimming pool

3 months ago

4-bedroom villa 414 m² in Dobrota

Dobrota, Kotor, Montenegro

2,450,000 €

Total area 414 m² · Land area: 656 m² · 4 bedrooms · 4 bathrooms

Sea view

3-bedroom house 136 m² in Perast

Perast, Kotor, Montenegro

880,000 €

Total area 136 m² · Land area: 150 m² · 3 bedrooms · 3 bathrooms

With swimming pool

5-bedroom villa 400 m² in Stoliv

Stoliv, Kotor, Montenegro

1,500,000 €

Total area 400 m² · Land area: 370 m² · 5 bedrooms · 6 bathrooms

Sea view

2-bedroom house 160 m² in Kotor city

Kotor city, Kotor, Montenegro

425,000 €

Total area 160 m² · 2 bedrooms · 3 bathrooms

The first line

Authentic stone villa with a pool on the first line to the sea in Orahovac, Kotor, Montenegro

Orahovac, Kotor, Montenegro

1,750,000 €

Total area 500 m² · Land area: 657 m² · 6 bedrooms · 7 bathrooms

With swimming pool

Furnished three-storey villa with a swimming pool in Krimovica, Kotor, Montenegro

Krimovica, Kotor, Montenegro

370,000 €

Total area 300 m² · Land area: 550 m² · 6 bedrooms · 6 bathrooms

3-bedroom villa 460 m² in Kotor city

Kotor city, Kotor, Montenegro

620,000 €

Total area 460 m² · Land area: 930 m² · 3 bedrooms · 3 bathrooms

6-bedroom house 264 m² in Kotor city

Kotor city, Kotor, Montenegro

Price on request

Total area 264 m² · Land area: 324 m² · 6 bedrooms · 6 bathrooms

With swimming pool

Tourist complex with a swimming pool and a lush garden in Krimovica, Montenegro

Krimovica, Kotor, Montenegro

320,000 €

Total area 296 m² · Land area: 2,000 m² · 8 bedrooms · 7 bathrooms

With swimming pool

Two two-storey houses with a swimming pool and a garden in Zagora, Krimovica, Montenegro

Krimovica, Kotor, Montenegro

180,000 €

Total area 96 m² · Land area: 1,000 m² · 4 bedrooms · 4 bathrooms

With garden

Two-storey modern villa with a landscaped garden and mountain views in Krimovica, Kotor, Montenegro

Krimovica, Kotor, Montenegro

400,000 €

Total area 200 m² · Land area: 1,000 m² · 3 bedrooms · 3 bathrooms

6-bedroom house 213 m² in Kotor city

Kotor city, Kotor, Montenegro

790,000 €

Total area 213 m² · Land area: 291 m² · 6 bedrooms · 3 bathrooms

4-bedroom villa 146 m² in Kotor city

Kotor city, Kotor, Montenegro

1,200,000 €

Total area 146 m² · 4 bedrooms · 3 bathrooms

With garden

Furnished house with an attic in Krimovica, Budva Riviera, Montenegro

Krimovica, Kotor, Montenegro

159,000 €

Total area 77 m² · Land area: 170 m² · 1 bedroom · 1 bathroom

With garden

Two-storey modern villa with a garden in Krimovica, Budva Riviera, Montenegro

Krimovica, Kotor, Montenegro

450,000 €

Total area 200 m² · Land area: 1,000 m²

With garden

Two-storey furnished house in Krimovica, Kotor, Montenegro

Krimovica, Kotor, Montenegro

230,000 €

Total area 110 m² · Land area: 500 m² · 2 bedrooms · 2 bathrooms

6-bedroom cottage 200 m² in Stoliv

Stoliv, Kotor, Montenegro

950,000 €

Total area 200 m² · 6 bedrooms

4-bedroom villa 92 m² in Kotor city

Kotor city, Kotor, Montenegro

400,000 €

Total area 92 m² · 4 bedrooms

1-25 of 95 listings, page 1 of 4

Tranio’s client cases

All cases

08 February 2016
Holidays on the Adriatic: this client bought a sea-view flat in Montenegro
Beautiful Montenegro is one of the less-travelled Eastern European countries. Its magnificent coast, nestled in the mountains, is a perfect getaway from the bustle of big tourist resorts.
02 June 2015
From France to Montenegro: comparative apartmentology of a flat owner’s life
Daria (30), a financial expert from Moscow, Russia, and her husband knew Europe well by the time they bought their first flat there: an apartment in the South of France along the Mediterranean.
18 March 2026
Turnkey EU Residence Permit: How a Family Bought an Apartment in Tranio’s Filosofia Project and Received a Greek...
In 2025, a family came to us: a married couple and their adult son. Their goal was to obtain a European residence permit. Initially, they were choosing between Cyprus and Greece. Ultimately, the Greek Golden Visa programme...
29 July 2025
From Old Office to Modern Apartment: Securing Property and a Greek Residence Permit in Five Months under the...
Once again, a Tranio client has chosen Greece Golden Visa programme as the most affordable European residency option through real estate investment. The programme was revised in 2024. Now, the most accessible route is through...
14 July 2025
London as a Second Home: Three Families Buy Apartments for Their Student Children
In recent months, we have received three similar requests to source property in London. This article features real client stories and a look at how property is purchased in the UK capital with Tranio.
06 May 2025
The Art of Renovation in Northern Athens and One-Stop-Shop Service of Tranio Hellas: Why Investor Bought Apartment...
Tranio has been operating in the Greek property market since 2010, selecting homes for clients from trusted partners across different regions — both in cities and in coastal resort locations.
28 February 2025
The Master Key: How a Tranio Client Optimised Taxes Through Real Estate Investment in Cyprus
Cyprus is one of the most sought-after destinations for tax optimisation, offering a transparent legal framework, full EU membership, and attractive conditions for foreign investors.
28 February 2025
The Final Lap: Returns Secured by Investors in The Community, Motor City
In October 2022, Tranio proudly unveiled a co-investment opportunity in The Community, a residential development in Motor City. This exclusive proposition invited discerning partners and clients to engage at the project’s...
21 February 2025
Exploring Oman's Office Real Estate Market: A Client's Perspective
Economic diversification has long been a priority for Gulf nations, with each country adopting its own strategy. The UAE leverages soft power and flexibility, Saudi Arabia pursues an aggressive approach with ambitious megaprojects...
13 May 2024
Tranio client's experience: apartment on the French Riviera and obtaining a residence permit for financially...
France is a country known for its quality of life, economic strength, progressive social welfare, developed infrastructure, high environmental standards and care for historical heritage. A residence permit in France allows...

Houses for Sale in Kotor