---
title: "Montenegro Property owner residence 2026: assets €150k+ needed"
url: https://settleanywhere.com/countries/montenegro/property-owner/
lang: en
updated: 2026-10-12
---

Montenegro · Investing

# Montenegro Property owner residence

**Assets needed:** €150k+ ≈ $168k

Temporary residence on the basis of owning real estate (Law on Foreigners, Art. 56)

Checked against official sources on 12 Oct 2026 [Record corrected 11 Oct 2026](https://settleanywhere.com/changes/corrections/#change-me-property-owner) [Change log](https://settleanywhere.com/changes/)

- **Assets needed:** €150k+ ≈ $168k (Assets of at least EUR 150,000 (≈ $168,000) · Minimum tax base of the owned property in the property-transfer tax decision issued by the municipal tax office; the tax base in that decision is what counts, not the price in the purchase contract. Savings of at least EUR 20 a day (≈ $22) · Minimum funds for each day of the requested stay. A fee of EUR 40 (≈ $45) · Administrative fee for issuing a temporary residence permit (Tariff No. 13 of the Law on Administrative Fees). A fee of EUR 5 (≈ $6) · Fee for the permit form. A fee of EUR 2 (≈ $2) · Fee for the application.)
- **First stay:** 1 yr (Permit valid up to one year and extendable each year while the ownership continues and taxes are paid.)
- **Who can apply:** Any passport (Open to foreigners generally.)
- **Work:** Needs permit (The permit allows stay for the purpose of using and disposing of the property; work needs a separate work permit.)
- **Family:** Family can join (Family members can apply for family reunification with a foreigner holding temporary residence.)

## Key facts

Property owner residence is an investing route for Montenegro. Applicants need assets of €150k+ ≈ $168k. You can stay 1 yr, renewable. Local work: with a permit. Checked 2026-10-12 against the official source.

- **Money needed:** €150k+ ≈ $168k
- **Government fees:** €40 ≈ $45 · +2 more
- **Processing:** Up to 40 days
- **First stay:** 1 yr

## Cost, time and long term

To apply: government fees €47 ≈ $53 in total (3 fees); assets to show €150k+ ≈ $168k; decision: up to 40 days. No lawyer or agent fee is included.

**Government fees: €40 ≈ $45 · +2 more**

- EUR 40 (≈ $45) Administrative fee for issuing a temporary residence permit (Tariff No. 13 of the Law on Administrative Fees).
- EUR 5 (≈ $6) Fee for the permit form.
- EUR 2 (≈ $2) Fee for the application.

**Shown, not spent: €150k+ ≈ $168k · €20+/day ≈ $22**

- EUR 150,000 (≈ $168,000) Minimum tax base of the owned property in the property-transfer tax decision issued by the municipal tax office; the tax base in that decision is what counts, not the price in the purchase contract.
- EUR 20 a day (≈ $22) Minimum funds for each day of the requested stay.

**Renewal: Renewable**

The permit is valid up to one year and can be extended each year while ownership continues and taxes are paid. Apply to extend at least 30 days before expiry; since 2026 an extension must be on the same legal basis as the earlier permit.

[Official Gazette of Montenegro No. 12/2018](https://www.sluzbenilist.me/propisi/334183/download) [Official Gazette of Montenegro No. 3/2026](https://www.sluzbenilist.me/propisi/389913/download)

**Permanent residence: After 5 years of residence**

You can apply for a permanent residence permit after 5 years of continuous lawful temporary residence, with basic Montenegrin, sufficient income, health insurance and housing. Absences must total no more than 10 months, or one absence of up to 6 months.

[Official Gazette of Montenegro No. 12/2018](https://www.sluzbenilist.me/propisi/334183/download) [Official Gazette of Montenegro No. 3/2026](https://www.sluzbenilist.me/propisi/389913/download)

**Processing: Up to 40 days**

A temporary residence application is decided within 40 days of a complete application.

[Official Gazette of Montenegro No. 12/2018](https://www.sluzbenilist.me/propisi/334183/download)

**Where to apply: Inside the country**

Apply in person at the Ministry of Interior in your place of stay after entering lawfully; you may stay until the decision if you apply before your 90 days end.

[Official Gazette of Montenegro No. 12/2018](https://www.sluzbenilist.me/propisi/334183/download)

**Presence rules: Absence limits**

Continuous residence for permanent residence allows several absences totalling up to 10 months, or one absence of up to 6 months, within the 5 years.

[Official Gazette of Montenegro No. 12/2018](https://www.sluzbenilist.me/propisi/334183/download)

## Why this route may not fit

Check this before you apply.

- Working needs a separate permit

### What you'll need

#### Who can apply

- Applicant owns real estate in Montenegro or is co-owner of at least one half of it.
- Eligible property is a family house, holiday house, villa, flat, hospitality building, mixed residential-business building or business premises.

#### What you must show

- The property-transfer tax decision from the local tax authority shows a tax base of at least EUR 150,000 (≈ $168,000).
- Funds of at least EUR 20 (≈ $22) for each day of the requested stay.

#### Documents

- Real-estate register extract or other proof of ownership under the cadastre law.
- Property-transfer tax decision issued by the local tax authority, showing the tax base.
- Proof of accommodation, valid passport, travel health insurance and criminal record certificate.

#### Steps

1. Apply in person at the Ministry of Internal Affairs unit in the place of residence; the decision is made within 40 days.
2. Citizens of EU member states and their family members, and nationals of Iceland, Liechtenstein, Norway and Switzerland, do not have to show the property value.

#### After you arrive

- The permit is issued for up to one year; each extension needs proof that tax obligations for the permit period were paid.
- Holders of a property permit issued before 17 January 2026 have their extension requests decided under the earlier rules.

## What happens at day 183

How Montenegro decides tax residence and treats foreign-source income, from its tax records.

- **Stay on this route:** **Up to 1 year at first, renewable**
- **Tax residence:** - **More than 183 days in a tax year** Stay on Montenegrin territory of more than 183 days in the tax year makes a person resident.
- **Foreign-source income:** Residents of Montenegro are taxed on income earned in Montenegro and abroad.

[All tax rules for Montenegro](https://settleanywhere.com/countries/montenegro/tax/) Tax records checked 10 Oct 2026

## What you need to arrange

- **Health insurance** Proof of accommodation, valid passport, travel health insurance and criminal record certificate
- **Accommodation** Proof of accommodation, valid passport, travel health insurance and criminal record certificate
- **Police certificate and civil documents** Proof of accommodation, valid passport, travel health insurance and criminal record certificate
- **Money to show** This route asks for savings of €20+ a day ≈ $22.

Taken from this route's requirements above. The authority's own list is the one that counts.

**Full official text**

Temporary residence for foreigners who own, or co-own at least one half of, a house, flat, villa, business or hospitality property in Montenegro with a tax base of at least EUR 150,000 (≈ $168,000). (sources 1, 2, 3, 4, 5)

#### What you must show and pay

- Assets of at least EUR 150,000 (≈ $168,000) · Minimum tax base of the owned property in the property-transfer tax decision issued by the municipal tax office; the tax base in that decision is what counts, not the price in the purchase contract. (source 3)
- Savings of at least EUR 20 a day (≈ $22) · Minimum funds for each day of the requested stay. (source 4)
- A fee of EUR 40 (≈ $45) · Administrative fee for issuing a temporary residence permit (Tariff No. 13 of the Law on Administrative Fees). (source 7)
- A fee of EUR 5 (≈ $6) · Fee for the permit form. (source 5)
- A fee of EUR 2 (≈ $2) · Fee for the application. (source 5)

#### Requirements

- Applicant owns real estate in Montenegro or is co-owner of at least one half of it. (sources 1, 2)
- Eligible property is a family house, holiday house, villa, flat, hospitality building, mixed residential-business building or business premises. (source 1)
- The property-transfer tax decision from the local tax authority shows a tax base of at least EUR 150,000 (≈ $168,000). (source 3)
- Funds of at least EUR 20 (≈ $22) for each day of the requested stay. (source 4)
- Real-estate register extract or other proof of ownership under the cadastre law. (source 1)
- Property-transfer tax decision issued by the local tax authority, showing the tax base. (source 3)
- Proof of accommodation, valid passport, travel health insurance and criminal record certificate. (sources 1, 6, 4)
- Apply in person at the Ministry of Internal Affairs unit in the place of residence; the decision is made within 40 days. (source 1)
- Citizens of EU member states and their family members, and nationals of Iceland, Liechtenstein, Norway and Switzerland, do not have to show the property value. (source 3)
- The permit is issued for up to one year; each extension needs proof that tax obligations for the permit period were paid. (sources 1, 3)
- Holders of a property permit issued before 17 January 2026 have their extension requests decided under the earlier rules. (source 3)

#### Stay

- Permit valid up to one year and extendable each year while the ownership continues and taxes are paid.
- First stay: up to 12 months, decided case by case.
- Renewable, subject to the conditions in force at renewal.

#### Nationality

Open to foreigners generally.

#### Work

The permit allows stay for the purpose of using and disposing of the property; work needs a separate work permit.

#### Family

Family members can apply for family reunification with a foreigner holding temporary residence.

Checked 2026-10-12

## Official sources

1. [Law on Foreigners (Official Gazette of Montenegro 12/18)](https://www.sluzbenilist.me/propisi/334183/download) · Official Gazette of Montenegro No. 12/2018 · checked 2026-10-11 · published 2018-02-23
2. [Law amending the Law on Foreigners (Official Gazette of Montenegro 3/19)](https://www.sluzbenilist.me/propisi/336186/download) · Official Gazette of Montenegro No. 3/2019 · checked 2026-10-11 · published 2019-01-15
3. [Law amending the Law on Foreigners (Official Gazette of Montenegro 3/2026)](https://www.sluzbenilist.me/propisi/389913/download) · Official Gazette of Montenegro No. 3/2026 · checked 2026-10-11 · published 2026-01-09
4. [Rulebook amendment: daily means of support, minimum pay and health insurance (Official Gazette of Montenegro 12/25)](https://www.sluzbenilist.me/propisi/378542/download) · Official Gazette of Montenegro No. 12/2025 · checked 2026-10-11 · published 2025-02-11
5. [Temporary residence and work (work permit)](https://psc.gov.me/me/sektorske-informacije/ministarstvo-unutrasnjih-poslova/privremeni-boravak-i-rad-radna-dozvola) · Government of Montenegro, Single Contact Point for services · checked 2026-10-11 · published 2024-04-26
6. [Rulebook amendment: proof of accommodation (Official Gazette of Montenegro 145/22)](https://www.sluzbenilist.me/propisi/292855/download) · Official Gazette of Montenegro No. 145/2022 · checked 2026-10-11 · published 2022-12-27
7. [Law on Administrative Fees, Tariff No. 13: fees for permits for foreigners (adopted 6 March 2019)](https://www.sluzbenilist.me/propisi/334575/download) · Official Gazette of Montenegro (Law proclaimed 11 March 2019) · checked 2026-10-11 · published 2019-03-11

## Property owner residence and its alternatives

| Route | Money needed | Stay | Work |
| --- | --- | --- | --- |
| Property owner residence | Needs assets of €150k+ ≈ $168k | 1 yr, renewable | With a permit |
| [Golden Visa · €250k arts](https://settleanywhere.com/countries/portugal/ari-arts-250k/) Portugal | Needs an investment of €250k+ ≈ $279k | 2 yr, renewable | – |
| [D5 · Property over $150k](https://settleanywhere.com/countries/georgia/d5-real-estate-residence/) Georgia | Needs assets of $150k+ | 1 yr, renewable | No |
| [Investor Visa · €1M donation](https://settleanywhere.com/countries/italy/investor-philanthropy-1m/) Italy | Needs an investment of €1M+ ≈ $1.1M | 2 yr, renewable | – |
| [Golden Visa · €350k mutual fund](https://settleanywhere.com/countries/greece/fin-mutual-fund/) Greece | Needs an investment of €350k+ ≈ $391k | 5 yr, renewable | – |

## Questions people ask

### How much money do I need for the Property owner residence?

Assets of at least EUR 150,000 (≈ $168,000). Minimum tax base of the owned property in the property-transfer tax decision issued by the municipal tax office; the tax base in that decision is what counts, not the price in the purchase contract. Savings of at least EUR 20 a day (≈ $22). Minimum funds for each day of the requested stay. A fee of EUR 40 (≈ $45). Administrative fee for issuing a temporary residence permit (Tariff No. A fee of EUR 5 (≈ $6). Fee for the permit form.

### How long can I stay on the Property owner residence?

Permit valid up to one year and extendable each year while the ownership continues and taxes are paid.

### How long does the Property owner residence take to process?

A temporary residence application is decided within 40 days of a complete application.

### Can I work on the Property owner residence?

With a permit. The permit allows stay for the purpose of using and disposing of the property; work needs a separate work permit.

### Can I bring my family on the Property owner residence?

Family members can apply for family reunification with a foreigner holding temporary residence.

### Does the Property owner residence lead to permanent residence in Montenegro?

Time on the Property owner residence counts toward permanent residence in Montenegro, which the rules allow after 5 years of residence.

### How are Property owner residence holders taxed in Montenegro?

No special regime in our records is tied to the Property owner residence. The standard rules apply: Residents of Montenegro are taxed on income earned in Montenegro and abroad. From 1 January 2026 taxable employment income is taxed at 0% up to EUR 700 (≈ $780) a month, 9% from EUR 700.01 (≈ $780) to EUR 1,000 (≈ $1,120) and 15% above; employee social contributions are 10.5% (10% pension, 0.5% unemployment) and a municipal surtax of up to 13% of the tax (up to 15% in the Capital City and the Old Royal Capital) is added.

## More in Montenegro

[Digital nomad permit](https://settleanywhere.com/countries/montenegro/digital-nomad/) [Company owner permit](https://settleanywhere.com/countries/montenegro/entrepreneur-owner/) [Domestic work permit](https://settleanywhere.com/countries/montenegro/employment-domestic/) [Work permit](https://settleanywhere.com/countries/montenegro/employment/) [Healthcare work permit](https://settleanywhere.com/countries/montenegro/employment-healthcare/) [IT work permit](https://settleanywhere.com/countries/montenegro/employment-it/) [Intra-company transfer](https://settleanywhere.com/countries/montenegro/intra-company/) [Contracted services permit](https://settleanywhere.com/countries/montenegro/contracted-services/)

## Investment visas elsewhere

[🇫🇷 Talent · €300k investment](https://settleanywhere.com/countries/france/talent-economic-investment/) [🇨🇾 PR · €300k fund units](https://settleanywhere.com/countries/cyprus/invest-fund-units/) [🇦🇱 Strategic investor residence](https://settleanywhere.com/countries/albania/strategic-investor-permanent/) [🇲🇹 MPRP · Buy property](https://settleanywhere.com/countries/malta/mprp-purchase/) [🇪🇪 Large investor · €1M](https://settleanywhere.com/countries/estonia/business-large-investor/) [🇨🇿 Significant investment permit](https://settleanywhere.com/countries/czechia/investment/)

≈ USD figures are approximate: daily reference rates from ExchangeRate-API, dated 12 Oct 2026, refreshed when the site is updated.

## How this was checked

**Checked on 2026-10-12 against 7 official sources.** Status: verified against the official sources.

Every figure on this page comes from the official source it links to. The record was researched against these sources, then reviewed separately, with special attention to effective dates and amendments. Where a source does not state something, the page leaves it out.

1. [Law on Foreigners (Official Gazette of Montenegro 12/18)](https://www.sluzbenilist.me/propisi/334183/download) · Official Gazette of Montenegro No. 12/2018 · checked 2026-10-11
2. [Law amending the Law on Foreigners (Official Gazette of Montenegro 3/19)](https://www.sluzbenilist.me/propisi/336186/download) · Official Gazette of Montenegro No. 3/2019 · checked 2026-10-11
3. [Law amending the Law on Foreigners (Official Gazette of Montenegro 3/2026)](https://www.sluzbenilist.me/propisi/389913/download) · Official Gazette of Montenegro No. 3/2026 · checked 2026-10-11
4. [Rulebook amendment: daily means of support, minimum pay and health insurance (Official Gazette of Montenegro 12/25)](https://www.sluzbenilist.me/propisi/378542/download) · Official Gazette of Montenegro No. 12/2025 · checked 2026-10-11
5. [Temporary residence and work (work permit)](https://psc.gov.me/me/sektorske-informacije/ministarstvo-unutrasnjih-poslova/privremeni-boravak-i-rad-radna-dozvola) · Government of Montenegro, Single Contact Point for services · checked 2026-10-11
6. [Rulebook amendment: proof of accommodation (Official Gazette of Montenegro 145/22)](https://www.sluzbenilist.me/propisi/292855/download) · Official Gazette of Montenegro No. 145/2022 · checked 2026-10-11
7. [Law on Administrative Fees, Tariff No. 13: fees for permits for foreigners (adopted 6 March 2019)](https://www.sluzbenilist.me/propisi/334575/download) · Official Gazette of Montenegro (Law proclaimed 11 March 2019) · checked 2026-10-11

Tracked since 2026-10-10. Rule changes and corrections are listed on the [changes page](https://settleanywhere.com/changes/), and the [methodology page](https://settleanywhere.com/methodology/) explains how facts are checked. Found something out of date? Email [contact@stayglobe.app](mailto:contact@stayglobe.app?subject=Correction) with a link to the official source.