Montenegro Golden Visa

InvestorActiveMontenegroData updated Nov 12, 2026

Processing Time

up to 6 wks

Duration

12 months

Overview

Montenegro grants temporary residence to foreigners who own real estate in the country. The Law on Foreigners names the ground as use and disposal of owned property.

Applicants from outside the EU, Iceland, Liechtenstein, Norway and Switzerland must show a municipal tax decision with a tax base of at least €150,000, a rule in force since 17 January 2026. Nationals of those states and EU family members are exempt from that value test.

The permit lasts up to one year and is renewed on the same ground. It carries no work rights, and applications are filed in person at the Ministry of Interior.

Eligibility Requirements

NationalityOpen to all nationalities

Min Investment

€150,000

≈ $167,791

Duration

12 months

Max Absence

30 days

RenewableYesDependentsYesLocal WorkNoHealth InsuranceRequired

Requirements Checklist

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How and where to apply

In-person steps required

Ministry of Interior office in the place of residence, filed in person

Tax Information

US Tax Treaty:No treaty

US tax position

The foreign earned income exclusion is US$132,900 for 2026 and applies to earned income only.

Living in Montenegro

COL Index vs NYC

42.7

Monthly Cost (excl. rent)

$702

1BR Rent (City Center)

$668

Safety Index

58.7

Healthcare Index

56.4

Quality of Life Index

129.8

Time Zone

UTC+01:00

Capital

Podgorica

Population

621.7K

Official Languages

Montenegrin

Avg Internet Speed

92 Mbps

Public Transit Quality

Fair

With a budget covering rent and living costs, you'd need roughly $1,370/mo for a comfortable single-person lifestyle in Montenegro.See how far your money goes →

🏙️ Best Cities in Montenegro for Investors & FIRE Seekers

🏙️
✦ 82
Kolasin
💰 $652/mo🌐 50 Mbps🏠 $393/mo

🔥 FIRE Score 82

Bijelo Polje✦ 83
Bijelo Polje
💰 $662/mo🌐 30 Mbps🏠 $224/mo

🔥 FIRE Score 83

🏙️
✦ 79
Zabljak
💰 $671/mo🌐 45 Mbps🏠 $320/mo

🔥 FIRE Score 79

Berane✦ 78
Berane
💰 $672/mo🌐 55 Mbps🏠 $250/mo

🔥 FIRE Score 78

Niksic✦ 83
Niksic
💰 $742/mo🌐 52.3 Mbps🏠 $419/mo

🔥 FIRE Score 83

Danilovgrad✦ 77
Danilovgrad
💰 $745/mo🌐 45 Mbps🏠 $320/mo

🔥 FIRE Score 77

Eligibility and qualifying property

The permit rests on ownership of real estate in Montenegro. Qualifying property includes family houses, weekend houses, villas, apartments, catering premises, residential and business buildings, and business premises.

Applicants from outside the EU, Iceland, Liechtenstein, Norway and Switzerland must show a tax decision on real estate transfer tax, issued by the local authority responsible for collecting tax. Since the amendment adopted on 31 December 2025, the tax base in that decision must be at least €150,000.

Application route

The application goes to the Ministry of Interior in the place where the applicant lives and is filed in person on the prescribed form. A photo, two fingerprints and a digital signature are taken when the application is filed. The Ministry must decide within 40 days of a complete application.

Duration and renewal

The permit is issued for up to one year. Extension requests are filed no earlier than 60 days and no later than 30 days before the permit expires, with proof that property tax obligations were paid during the permit.

Family members

Close family of a permit holder can apply for family reunification. Close family means spouses, their minor children, children of one spouse, adopted children up to 18 years of age, and parents or adopters of minor children. A family permit is tied to the holder’s permit and ends when it expires.

Work rights

The Law on Foreigners allows foreigners to work on a combined residence and work permit or a work notification. The property permit is a residence permit only, so it carries no work rights.

Work Permissions

·Local employment: Not permitted

Application Steps

  1. 1

    📬 File the application in person

  2. 2

    ⏳ Wait for the Ministry decision

    Up to 40 days

  3. 3

    🏛️ Receive the permit

FAQ

Frequently Asked Questions

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At a Glance

Renewable✓ Yes
Dependents✓ Allowed
Local Work✗ Not permitted
Health InsuranceRequired
Max Absence30 days
Bureaucracy friction3.1/5

Last verified: November 12, 2026