Morinj Real Estate: Apartments and Houses on the Bay of Kotor

Morinj sits on the north-western shore of the Bay of Kotor, a fjord-like inlet ringed by mountains, with the old town of Kotor a short drive along the coast road and Tivat airport reachable in under an hour. The setting is quiet, with sea views a main selling point and a small-scale village feel compared with the busier resorts on the open Adriatic coast.

Buyers are mainly holiday-home owners, retirees and renters targeting summer visitors. The bay's narrow coast road is congested in summer, and mountainside homes can have steep access, so visit in peak season before deciding.

Foreigners can generally buy apartments and houses in Montenegro, though agricultural land and some categories are restricted. Property transfer tax is progressive: 3% up to €150,000, 5% from €150,000 to €500,000 and 6% above, while new builds from VAT-registered developers carry VAT instead. Add notary, legal and agency costs. Verify the figures with a local lawyer.

Check title carefully, since legalisation of informal builds has been an issue in parts of the country. See our Montenegro buying guide and financing guide.

Morinj is not next door to these places, so treat them as separate markets: Bar on the southern coast, Bečići on the Budva Riviera and Podgorica, the inland capital. Start from the Montenegro overview for the full country.