Apartments for sale in Tivat to live in and invest
The most interesting apartments on sale now, from an apartment by the marina to a frontline new build in Donja Lastva, price per m² and yield by area, costs on top of the price and residence through owning a home.
In 2026 a square metre of an apartment in Tivat costs about $4,320 (3,850 euros) in listings, and by area from $3,510 in Seljanovo to $7,840 in the centre by the marina. Long-term letting brings 4.2% a year before tax, and 5.0% in Seljanovo. A two-bedroom apartment costs $129,000, and a home from $169,000 gives residence.
Below are the most interesting offers on sale now, price per m² and rental yield by area, and all the costs on top of the price. A manager will find a property for your requirements.
The market in brief
Data for 2026.
What apartments are for sale in Tivat
The most interesting apartments from $129,000 to $404,000 in the centre, Seljanovo, Kava, Donja Lastva and on Luštica, from an apartment to renovate by the marina to a frontline new build. A manager will find an apartment for your requirements and send the documents, floor plans and similar options in the chat.
A 48 m² two-bedroom to renovate in Seljanovo
$129,000
A 48 m² apartment on the 5th, top floor of a building without a lift in Seljanovo, the quarter by the marina: two bedrooms, sold furnished and in need of renovation, with title registered in the cadastre. A square metre here costs $2,690 (2,390 euros), 23% below the Seljanovo median of $3,510, and the long-term rental yield here is 5.0% a year before tax.
A 40 m² one-bedroom with parking in Radovići
$135,000
A 40 m² apartment on the 3rd, top floor of a 2016 building with a lift in Radovići on the Luštica peninsula: a bedroom, a living room with a kitchen and a bathroom, sold furnished, with its own parking space. Title is registered in the cadastre. A square metre here costs $3,370 (3,000 euros), 17% below the median for Luštica and the outskirts of $4,070.
A renovated 28 m² studio in central Tivat
$168,000
A 28 m² studio on the 2nd floor of a five-storey 2021 building with a lift, opposite the old municipality building in central Tivat. It is renovated and furnished, faces south, and title is registered in the cadastre. A square metre here costs $6,010 (5,360 euros), 23% below the centre median of $7,840. The price is right at the residence threshold, so the tax value is checked before the deposit.
A 78 m² three-bedroom in a new building opposite the bus station
$223,000
A 78 m² apartment on the 1st floor of a new building opposite the Tivat bus station: three bedrooms, a bathroom and a separate toilet, windows facing south-east, with title registered in the cadastre. It is sold unfurnished, ready for your own furniture. A square metre here costs $2,860 (2,550 euros), 34% below the Tivat median of $4,320, and by price the apartment meets the residence threshold.
A 48 m² two-bedroom with a roof terrace and sea views
$253,000
A 48 m² apartment on the 2nd floor in Kava, close to the centre and the marina: a living room with a dining area and kitchen, two bedrooms, a bathroom and a terrace, plus a private 25 m² roof terrace with sea views. It is sold furnished with air conditioning, and a garage space is included in the price. A square metre here costs $5,260 (4,690 euros), 22% above the Tivat median of $4,320: the premium is for the terrace with a view and the garage.
A 44 m² one-bedroom in a new frontline building
$269,000
A 44 m² apartment on the 2nd floor of a new building with a lift on the front line in Donja Lastva: the sea is 50 m away and the beach one street away. A living room with a kitchen and dining area, a bedroom and a bathroom, windows on the quiet side, and its own parking space. It is ready to move into, with title in order. A square metre here costs $6,120 (5,450 euros), 37% above the Donja Lastva and Lepetani median of $4,470.
A 67 m² two-bedroom with three terraces in central Tivat
$320,000
A 67 m² apartment on the 3rd floor of a seven-storey building with a lift in central Tivat: an entrance hall, a living room, a separate kitchen with a dining area, two bedrooms, a bathroom and three terraces. It faces south with a partial sea view, is sold partly furnished, and title is registered in the cadastre. A square metre here costs $4,770 (4,250 euros), 39% below the centre median of $7,840.
A fully renovated 70 m² two-bedroom
$404,000
A 70 m² apartment on the 2nd floor of a building with a lift in the central part of Tivat, fully renovated: a living and dining room opening onto a terrace, a separate kitchen, two bedrooms, one with its own terrace, a bathroom with a laundry area and a separate toilet. Underfloor heating in the bathroom, toilet, hallways and kitchen, air conditioning in every room, windows facing south. A square metre here costs $5,770 (5,140 euros), 34% above the Tivat median of $4,320.
How much a square metre costs in Tivat areas
A square metre of an apartment in Tivat costs about $4,320 (3,850 euros) in listings, and $7,840 in the centre by the marina, where there are many new buildings by the yacht harbour. In Donja Lastva and Lepetani on the shore of the bay a square metre costs $4,470, and in the town quarters outside the centre $4,240. A square metre is cheapest in Seljanovo, $3,510: the quarter is next to the marina, but its buildings are old and mostly without lifts. So we value an apartment by its area, not by the city.
| Area | Per m², $ | Per m², euros | 60 m² apartment, $ |
|---|---|---|---|
| Centre | $7,840 | 6,990 | $470,000 |
| Donja Lastva and Lepetani | $4,470 | 3,980 | $268,000 |
| Town quarters outside the centre | $4,240 | 3,770 | $254,000 |
| Luštica and the outskirts | $4,070 | 3,620 | $244,000 |
| Kalimanj | $3,940 | 3,510 | $236,000 |
| Mrčevac, Dumidran and Gradiošnica | $3,740 | 3,330 | $224,000 |
| Seljanovo | $3,510 | 3,130 | $211,000 |
| All of Tivat | $4,320 | 3,850 | $259,000 |
Data for 2026: areas are medians of the price per m² in apartment sale listings on 20 October 2026, all of Tivat is the median price per m² in all apartment sale listings in Tivat on the same date, with repeat listings of the same apartment removed. Dollars at 1.1225 per euro.
What rental yield an apartment in Tivat gives
Gross long-term rental yield in Tivat is 4.2% a year before tax. It is highest in Seljanovo and the town quarters outside the centre, 5.0%: a square metre there is cheaper, and apartments by the marina and in town are rented all year round. Yield is lowest in the centre, 3.2%, and Donja Lastva, 3.6%: a square metre there is the most expensive, and rents lag behind prices.
| Area | Monthly rent of a 60 m² apartment | Yield a year |
|---|---|---|
| Seljanovo | $880 (780 €) | 5.0% |
| Town quarters outside the centre | $1,060 (940 €) | 5.0% |
| Kalimanj | $840 (750 €) | 4.3% |
| Luštica and the outskirts | $850 (760 €) | 4.2% |
| Mrčevac, Dumidran and Gradiošnica | $750 (670 €) | 4.0% |
| Donja Lastva and Lepetani | $810 (720 €) | 3.6% |
| Centre | $1,260 (1,120 €) | 3.2% |
| All of Tivat | $900 (800 €) | 4.2% |
Data for 2026: rent is the median monthly rent per m² in long-term apartment rental listings in the area on 20 October 2026 multiplied by 60 m², the area yield is the annual rent per m² divided by the median price per m² in sale listings, and for all of Tivat the same across all city listings. Daily letting is not included. The yield is gross, before rental income tax, building costs and vacancy.
Apartments in Tivat are let all year round to marina and airport staff and to families who have moved to the sea, and to tourists by the day in summer. Rental income is taxed at 15% plus a municipal surtax of up to 13% of the tax amount, and for daily letting the apartment is registered with the municipal tourist organisation and a tourist tax is paid for guests. The annual property tax is 0.25-1% of the market value by municipal decision.
In 2023 Russia suspended the main articles of its double taxation agreement with Montenegro, so the tax on rent is paid in Montenegro. Rates and examples are on the page Montenegro taxes.
What costs to add to the price of an apartment
The main payment on resale is the transfer tax: 3% up to $169,000 (150,000 euros), 5% on the part of the price up to $562,000 (500,000 euros) and 6% on the part above. For an apartment at $223,000 (199,000 euros) it is $7,810 (6,950 euros), 3.5% of the price. In a new building from a developer, 21% VAT is already in the price and there is no transfer tax.
| Payment | Apartment for $223,000 (199,000 euros) | Share of price |
|---|---|---|
| Transfer tax on resale | $7,810 (6,950 euros) | 3.5% |
| Notary | by tariff from the deal price | by tariff |
| Registration of title in the cadastre | cadastre fee | by tariff |
| New building from a developer | 21% VAT already in the price | no transfer tax |
Data for 2026: the transfer tax is calculated on the market value assessed by the tax administration, which can be higher than the contract price; a notary certifies the sale contract, and title is confirmed by a cadastre extract. A manager will calculate the costs for a specific apartment.
In Tivat the apartment is checked against the cadastre before the deposit
Mistakes cost more than the tax: a smaller area registered in the cadastre than in the listing, an apartment in a building still under construction instead of finished ownership, a building without an occupancy permit, a tax value below $169,000 (150,000 euros) that does not give residence, or debts on property tax and utility bills. Murblz support removes these risks: we find an apartment, check the cadastre, encumbrances, permits and the seller, check the tax value before the deposit, and handle the deal at the notary up to the title registration and residence permit documents together with locally licensed partners.
The cost of support depends on the budget and the goal of the purchase; a manager will calculate it in the chat.
Does buying an apartment give a residence permit
Yes, from $169,000. An owner of a home with a tax value of at least $169,000 (150,000 euros) receives a temporary residence permit, renewed while the home stays in their ownership. The tax value is set by the tax administration and does not always match the contract price, so an apartment near the threshold is checked before the deposit. By price, the apartments in the cards from the studio in the centre for $168,000 to the renovated apartment for $404,000 meet the threshold.
From 1 November 2026 citizens of Russia and Belarus need a visa to enter Montenegro, and a residence card replaces it. Spending more than 30 days in a row outside Montenegro ends a residence permit based on a home, so trips are planned in advance; permanent residence is granted after 5 years of continuous living in the country. More on the page Montenegro residence permit.
How we find an apartment
- Goal and budget: living by the sea, letting, a residence permit or all of these. The manager clarifies the area, the distance to the sea, the size, the floor and how you will pay.
- Shortlist: apartments at the seller's price, with the construction stage for new buildings and a yield calculation from rents in the area.
- Checks: the cadastre extract and encumbrances, the occupancy permit of the building, the tax value for the residence permit, and debts on property tax and utility bills.
- Deal in person or by power of attorney: a contract with a deposit, the sale contract at the notary, the transfer tax, the cadastre entry and residence permit documents.
The manager sends the shortlist in the chat, with the sellers' prices on the date of the shortlist.
Read also
- Investment property in Montenegro: what to buy and what it costs
- Apartments for sale in Podgorica to live in and invest
- Apartments for sale in Budva to live in and invest
- Apartments for sale in Bar to live in and invest
- Buying a flat in Montenegro in 2026: prices, tax, residency
- How to get a Montenegro residence permit in 2026
All countries and budgets compared - on the page Investment property abroad.
FAQ
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