Let’s face it—when most of us hear “Monaco,” we picture mega yachts, designer boutiques, and Lamborghinis zooming past the famous Monte Carlo Casino.
It’s known as the playground of the ultra-rich, where even the air feels like it’s been taxed.
But here’s the twist: you don’t need a millionaire’s bank account to enjoy this glamorous slice of the French Riviera.
Solo traveller Camille Esteve, a writer for the Monaco Tribune, has cracked the code.
Despite the country’s sky-high income levels (Monaco topped $227,000 per capita GDP in 2024), she’s laid out practical tips that prove you can soak up the luxury without draining your wallet.
Whether it’s finding a cozy bed, enjoying gourmet food, or exploring top sights, here’s how Camille recommends doing Monaco the smart way.
Plan Your Trip Around the Seasons to Snag the Best Deals
Timing is everything in Monaco. Camille says your travel dates can make or break your budget, especially if you’re trying to avoid the Grand Prix crowds or the summer crush.
Prices for flights and stays skyrocket during peak season.
Her advice? “Aim for September or October when you can enjoy the warmth of an Indian summer, or visit between November and April when the weather is still mild.”
Those off-peak months come with fewer tourists, cooler vibes, and much better deals.
Stay Just Outside Monaco and Walk In Like a Local
Hotels in Monte Carlo can charge more for a single night than what some people pay for a month’s rent.
But here’s the good news: Monaco is tiny—only about two square kilometers—and surrounded by charming, affordable French towns.
Camille suggests staying in nearby spots like Beausoleil, Cap d’Ail, or Roquebrune-Cap-Martin.
These towns are close enough that you can walk right into the heart of Monaco in minutes while paying a fraction of the price for accommodation.
Eat Like Royalty for Less with Budget Gourmet Meals
Forget blowing your savings on flashy restaurants. Camille recommends making lunch your main event.
Many high-end restaurants in Monaco offer prix fixe lunch menus—we’re talking three courses for under €30 (£26).
For local flavor at unbeatable prices, head to La Condamine Market, located at the base of the Rock on Place d’Armes.
It’s where locals gather, and inside the food hall, you’ll find everything from Italian pasta and roast meats to Mediterranean dishes like socca and pissaladière, often for takeaway or quick bites.
Walk, Ride the Bus, or Take the Secret Lifts
Yes, you’ll see Ferraris all around, but Camille chose a more grounded route—literally.
Monaco is compact enough to explore on foot, and there’s a surprisingly helpful network of public lifts and escalators that help you tackle the steep terrain.
She notes that some lifts are hidden, so don’t hesitate to ask a local or look for signs.
For longer hauls or rainy days, Monaco’s buses are cheap and efficient. A single ride costs €1.50, valid for 30 minutes.
Want to skip confusion? Camille suggests using the Citymapper app, which gives real-time transit directions, and the Monapass app to buy tickets or just tap your bank card on the bus terminal.
Visit Iconic Sights Without Paying a Dime
You don’t need to gamble at the Casino to enjoy Monaco.
The principality is packed with cultural sites, gardens, and museums, many of which are free or very cheap.
Camille highlights must-sees like the Monaco Cathedral, Saint-Martin Gardens, Place du Palais (perfect for watching the daily changing of the guard at 11:55 AM), the Palais de Justice, and Princess Grace Irish Library.
If you’re into architecture or just want a scenic view, Fort Antoine is another gem—free when there’s no show on.
Other laid-back (and budget-friendly) stops include the Casino Gardens, Japanese Garden, Métropole Shopping Centre, and the New National Museum of Monaco at Villa Paloma and Villa Sauber.
Shop Savvy and Score Stylish Souvenirs
If shopping’s your thing, steer clear of Monte Carlo’s designer shops and head to Le Port, where prices are more forgiving.
Camille points out that prices here are lower and you might even stumble upon a great bargain.
Not fussed about fashion? Then put your spare euros towards day trips to nearby French towns, or pick up some easy souvenirs instead.
The Old Town area has tourist shops selling keepsakes like shirts for under €10, making it easy to bring home something special without overspending.
You Don’t Have to Be Rich to Feel Like Royalty
Camille’s tips prove that you don’t need a billionaire’s wallet to experience Monaco’s charm.
With a few smart strategies—like planning your trip during the shoulder season, staying just outside the city, and embracing local food and transit—you can explore the world’s wealthiest country without feeling financially wiped out.
So, whether you’re a solo traveller, a couple, or just someone curious about the glitz and glamour, take it from Camille: Monaco on a budget is not only possible—it’s surprisingly wonderful.