Montenegro's climate changes from region to region, often with sharp contrast, based on terrain. While coastal regions enjoy the warm, dry summers and mild, rainy winters typical of the Mediterranean, the mountainous areas only a few air-kilometers away have predominantly continental climate. Due to steep Dinaric mountains rising above the coast, the Mediterranean climate is not present in the north. Those same mountains are responsible for high rainfall, hence Crkvice, just above Kotor is known as a place with the most rainfall in all of Europe (annual precipitation 4,928 millimeters / 194 inches).

The temperature in Montenegro varies greatly with elevation. The coastal region has a typical Mediterranean climate, with average temperatures in July of 23°C to 26°C (73°F to 79°F). Summers are predominantly long and dry, forcing people to the rural areas to store water for the upcoming summers. Winters are short, mild and wet with average temperatures of 0°C to 5°C (32°F to 41°F).

The central Montenegro region usually does not escape hot summers, and the capital, Podgorica, is known for its summer heat. It is known as the hottest city in Montenegro and July temperatures can sometimes reach 40°C (104°F). Average winter temperatures are -5°C to 5°C (23°F to 41°F), while the absolute minimum is -10°C (14°F).

The mountainous regions of Montenegro are mostly uninhabited and covered in snow most of the year, and at higher elevations (Mt. Durmitor), snow is present year-round. While coastal and Skadar Lake regions generally do not exhibit any snowfall (any that does happen to fall melts within an hour), high limestone mountains, especially Mt. Durmitor, are known for ski resorts and snow fall that can reach five meters (16 feet).