Investing in Montenegro for 2025
31.01.2025
A Growing Market with Strong Demand
The Montenegrin property market continues to show strong demand, particularly in key coastal and urban areas. High-net-worth individuals, expats, and international investors are increasingly looking to Montenegro as a safe and lucrative place to invest.
- Luxury properties in Tivat, Kotor, and Budva are experiencing steady appreciation.
- New developments and resorts are expanding to accommodate the growing demand.
- Infrastructure improvements, such as new highways and expanded airports, are making Montenegro more accessible
- EU Accession talks continue to drive interest, as investors anticipate Montenegro’s eventual entry into the European Union
Tangible Assets: Investing in Real Estate
One of the primary reasons Montenegro remains an attractive investment destination is the tangibility of real estate assets. Unlike stocks or cryptocurrency, property provides a secure and physical investment that historically withstands economic fluctuations.
- Waterfront villas, apartments, and high-end developments continue to be highly sought after.
- Investing in Montenegro’s tourism sector through rental properties provides an excellent return on investment.
- Eco-friendly and sustainable developments are gaining popularity, appealing to conscious investors.
Steady Appreciation Over Time
Montenegro’s real estate market has demonstrated consistent growth, with property values steadily appreciating due to high demand and limited supply in key locations.
- Prime coastal areas have seen year-on-year price increases.
- The country’s favorable business environment makes it a desirable destination for both personal and commercial investments.
- The Montenegrin government is actively encouraging foreign investment, further stabilizing the market. This is compared to other countries in Europe, which have recently expressed proposals to curb foreign investment, especially in Property.
Passive Income: Rental Yield Potential
Investors looking for passive income will find Montenegro an excellent option, particularly due to its thriving tourism industry. With over 2.5 million visitors annually, short-term rentals provide high occupancy rates and strong rental yields.
- Luxury short-term rentals in prime locations like Porto Montenegro and Budva offer significant returns.
- Long-term rentals in cities like Podgorica provide stable monthly income.
- The introduction of new high-end resorts is increasing demand for holiday lets, ensuring continued profitability for investors.
Tax Benefits for Investors
Montenegro is known for its low taxation policies, making it highly attractive to international investors.
- Flat 9% income tax – one of the lowest in Europe.
- No property inheritance tax, making it an ideal destination for long-term property holding.
- Favorable tax treaties with numerous countries help prevent double taxation.
- Investor residency programs allow buyers to secure long-term visas and enjoy tax residency benefits.
Emerging Markets: Where to Invest in 2025
While traditional hotspots like Kotor, Budva, and Tivat remain popular, several emerging markets in Montenegro offer excellent investment potential in 2025.
- Luštica Bay: A luxury coastal development that continues to expand, with significant appreciation potential.
- Sunny Side Resort & Spa: Excellent location, with exceptional build quality offering a choice of pools, spa facilities, sauna, massage room and child’s playroom.
- Royal View Resort & Spa: Situated in Budva with potential for future growth. Fabulous views and within walking distance to the sea & all amenities. 24hr reception, heated pools, spa complex, fully equipped gym and conference rooms.
- Bar and Ulcinj: More affordable property options with high growth potential as new developments emerge.
- Ski Resorts in the North: Locations like Kolasin are gaining popularity as year-round destinations, offering both winter tourism and summer retreats.
- Podgorica: The capital city is seeing increased demand for residential and commercial real estate as Montenegro’s economy continues to grow.
Conclusion: Why Invest in Montenegro in 2025?
Montenegro remains a top-tier investment destination, offering secure tangible assets, long-term appreciation, passive income opportunities, tax benefits, and emerging market potential. With its booming tourism sector, favorable economic policies, and strategic location, now is the perfect time to invest in Montenegrin real estate.
At CMM Montenegro, we specialize in helping investors find the best opportunities that align with their financial goals. Whether you are looking for a luxury villa, rental property, or commercial investment, we provide expert guidance and local market insights.
Contact us today to explore the best investment opportunities in Montenegro for 2025!
Reviews
In period May-August 2022 we sold our flats in St-Petersburg Russia and have bought two ones here in Montenegro, Becici. We decided to move here and make new home and business with my husband. Our agent Milica Zugic is really became our angel - provider here in Montenegro. She is very reliable, responsible , professional employee of CMM Budva department. She has developed intuition and found very fast necessary properties which we needed. Also she helped us to speed up the process of registration documents in MUP.( list nepokretnosti, etc). She was our real provider here. Very appreciated her and all staff of Budva department for there assistance. Separately to lawyer Ivan and his legal team. Very recommended choose Milica Zugic as real estate manager when you search for assistant in this complicated and important field as buying property in Montenegro.
Liudmila Nosova St-Petersburg Russia , 13.09.2022 09:20:09
At the beginning of April 2022, our family living in Prague bought a house in Sutomore with the assistance of your company.
Let me express my gratitude to the management of your company for the service provided, and especially to your employees - Anastasia Zeyak, Alexei Grachev and Elena Bozhovich for their attention, patience and even care for the whole time of buying real estate and the services provided after the purchase.
I would really like all companies to work with the same quality of service. After coming into contact with this kind of attitude towards the client, all our environment, if necessary, will refer to your company only.
With gratitude on behalf of our family.A.V. Ter-Gazaryan, 12.07.2022 10:32:19
Based on my experience with CMM in Budva, Montenegro, I can say that they are reliable, fast, and they deliver what they promise. They take really good care of their clients. For instance, I was offered a lift from the airport, and they would take me back and forth from Tivat to Budva and Becici to see various properties. They would answer all of my questions and respond promptly. They have an excellent team: Katarina, Alexander, Natasha, Martin and some other guys whose names I don’t remember. Katarina, my wonderful agent, went to every length to help me find a perfect home. Unfortunately, my situation changed and I had to postpone my relocation to Montenegro.
I would strongly recommend this company to anyone who is looking for a property in Montenegro.Val , 13.05.2022 02:18:13
We were introduced to CMM by friends who had already done research on Montenegro and CMM. We purchased our apartment in Dobrota, just outside Kotor, all remotely from South Africa, during the lockdown. Everything was seamless without any problems at all. All the CMM departments work together well from the sales team, head office, legal, interior design and rental department. Every detail was well communicated with an abundance of zoom meetings, videos, emails etc
We are thrilled with the outcome and enjoyed working with the CMM team. They were incredibly professional.
After sales service is also excellent as we move into the rental phase of the apartment and over all management of the apartment including maintenance.
We have been directly and indirectly involved with many houses/apartments all over the world and this was the up there with the best service we have received.
Thanks to everyone we dealt with at CMM it has been an absolute pleasure dealing with you all. We look forward too many happy years working with you on our rental.Mandy and Antoine, 06.10.2021 08:56:22
Biz Montenegroda CMM komandayla tanish olmushug. Snejana ve Milan bize cox yaxshi destek olublar. Artig bizim burada evimiz de var. Bize gosterdiler cox yuksek service, ve artig butun bizim senedler de gaydasindadir. Boyuk hormetle onlara Cox sagol bildiririk!
Dilara, 01.10.2019 06:17:27
Last year we decided to find a new home close to the sea. It was quite difficult in the beginning to make the right choice. Once we found CMM Company was a great luck! We immediately received detailed consultation on the country and purchase opportunities. Being attracted by Kotor - one of the most amazing parts of the coast, we decided to take a family trip and maybe make our dream of new home come true. As just discoverers of Montenegro, we were accepted like at home which was a one more pleasant surprise. The most important, we received all detailed information about country regions and procedure of buying property during the first few days. And how beautiful the car journeys were! Difficult choice, but when you find the home you want you can't refuse it. CMM did best to help us with this finding! All the purchase procedure passed well with CMM professional work! Now we are happy owners of a wonderful house with a Kotor bay view, being perfectly served by CMM Management company (of course, we've chosen CMM as professional house manager). Hope our friends and relatives would also move to Montenegro with the CMM help soon !!!
Kate, 22.03.2019 11:06:21