40 Stunning Retirement Spots That Are Surprisingly Affordable
22. Kotor, Montenegro: A Bayfront Gem

Kotor, nestled on the Adriatic coast, is a jewel of Montenegro that feels like stepping into a fairytale. Surrounded by steep mountains and the sparkling Bay of Kotor, this medieval town is one of Europe’s most stunning retirement destinations. Its well-preserved old town, with winding streets and historic churches, is a UNESCO World Heritage Site. Retirees are drawn to Kotor not only for its beauty but also for its affordability. Housing is reasonably priced, and daily expenses, including dining and transportation, are much lower than in Western Europe. The area’s mild Mediterranean climate ensures warm summers and mild winters, perfect for enjoying outdoor activities. Whether sailing on the bay, exploring nearby hiking trails, or sampling fresh seafood in waterfront restaurants, retirees can indulge in the simple pleasures of life. The town also serves as a gateway to other attractions, such as the nearby town of Perast and the historic Ostrog Monastery. Kotor’s peaceful atmosphere, combined with its natural and cultural treasures, makes it an ideal haven for retirees seeking tranquility and adventure.








