Podgorica, is the capital and largest city of Montenegro. Podgorica's favourable position at the confluence of the Ribnica and Morača rivers and the meeting point of the fertile Zeta Plain and Bjelopavlići Valley has encouraged settlement. The city is close to winter ski centres in the north and seaside resorts on the Adriatic Sea. A census in 2003 put the city's population at 136,473. The Podgorica Municipality contains 10.4% of Montenegro's territory and 27.3% of its population.

The Bay of Kotor in south-western Montenegro is a winding bay on the Adriatic Sea. The bay, sometimes called Europe's southernmost fjord, is in fact a ria of the disintegrated Bokelj River which used to run from the high mountain plateaus of Mount Orjen. It is an important tourist attraction in Montenegro. The Verige strait represent the narrowest section of the bay and is located between Cape St.

Kotor is a coastal town in Montenegro. It is located in a secluded part of the Gulf of Kotor. The city has a population of 13,510 and is the administrative center of Kotor Municipality. The old Mediterranean port of Kotor is surrounded by fortifications built during the Venetian period. It is located on the Bay of Kotor (Boka Kotorska), one of the most indented parts of the Adriatic Sea. Some have called it the southern-most fjord in Europe, but it is a ria, a submerged river canyon. Together with the nearly overhanging limestone cliffs of Orjen and Lovćen, Kotor and its surrounding area form an impressive and picturesque Mediterranean landscape. In recent years, Kotor has seen a steady increase in tourists, many of them coming by cruise ship. Visitors are attracted both by the natural beauty of the Gulf of Kotor and by the old town of Kotor. Kotor is part of the World Heritage Site dubbed the Natural and Culturo-Historical Region of Kotor.

Herceg Novi is a coastal town in Montenegro located at the entrance to the Bay of Kotor and at the foot of Mount Orjen. It is the administrative center of the Herceg Novi Municipality with around 33,000 inhabitants. Herceg Novi was known as Castelnuovo ("New castle" in Italian) between 1420 and 1797 when it was part of the Albania Veneta of the Republic of Venice. Herceg Novi has had a turbulent past, despite being one of the youngest settlements on the Adriatic. A history of varied occupations has created a blend of diverse and picturesque architectural style in the city. The city administration is formed by a coalition of the SNP, SNS, NS and DSS political parties.