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If you’re considering relocating to Europe, Germany often ranks as a top choice. But before you pack your bags, one question matters most:What is the actual cost of living in Germany? From rent and groceries to healthcare and taxes, we’ve got you covered with realistic numbers and practical tips.
Rent in Germany: The Largest Living Expense
Rent is typically the biggest monthly cost for residents. Based on data from Expatica and Numbeo:
- Munich: €1,500+ for a one-bedroom in the city center
- Berlin: Around €1,200, rising fast
- Hamburg & Frankfurt: €1,100–€1,300
- Leipzig or Dresden: €600–€800
Pro Tip: Consider shared apartments (Wohngemeinschaft or WG). A room can cost as little as €400–€700, depending on the location.
Utilities and Internet
Basic utilities (electricity, heating, water, garbage) cost around €150–€300 per month depending on apartment size and usage. Internet packages are competitively priced, starting from €30–€50/month.
Grocery Prices in Germany
Discount chains like Aldi and Lidl keep prices low, but your monthly spend will depend on your preferences. A solo shopper typically spends €200–€350/month.
Item Average Price
Bread €1–€3 Milk (1L) €1.20
Eggs (12) €3–€5 Chicken (1kg) €8–€10 Cheese (1kg) €10
Farmers’ markets offer fresher produce, though often at higher prices.
Health Insurance in Germany
Health insurance is mandatory. Public insurance (GKV) costs about 14.6% of your gross salary. Private plans range from €200–€600/month, depending on your age and coverage.
Public Transportation: Reliable and Affordable
Germany has one of the most efficient public transport systems in Europe.
- Deutschland Ticket: €49/month for unlimited travel on regional networks
- Without the ticket:
- Berlin: €86
- Munich: €90
- Smaller cities: €50–€70
Taxis are pricey (€3–€5/km), but many cities are bike-friendly.
Eating Out: From Street Food to Fine Dining
Germany offers variety in food, from affordable street eats to elegant restaurants.
Meal Type Cost Estimate
Döner Kebab/Bratwurst €4–€8
Casual Meal €12–€18
3-Course Mid-range €30–€50
Coffee €3–€4
Beer €4–€6
Tip: Look out for Mittagsangebote (lunch deals) for great value meals.
Childcare and Education
- Public schools: Free
- Private schools: €5,000–€20,000/year
- Childcare: €100–€400/month (varies with location & subsidies)
Leisure & Entertainment Costs
- Gym: €20–€60/month
- Cinema: €10–€15
- Festivals & concerts: €30–€100+
- Museums: €5–€15 (many offer student discounts)
Salary, Taxes, and Living Standards
Income taxes in Germany range from 14% to 45%, depending on earnings. The average net salary after taxes is about €2,500–€3,000/month.
Despite high taxes, residents benefit from strong public services, excellent healthcare, and solid social infrastructure.
Final Verdict: Is The Cost Of Living In Germany Affordable?
When compared to countries like the United States, United Kingdom, or Australia, the cost of living in Germany stands out as one of the most affordable places to study and live—especially for international students. Public universities charge little to no tuition fees, even for non-EU citizens, and that alone makes a significant difference. Additionally, students benefit from discounted public transport, subsidized health insurance, and access to state-funded housing options.
In larger cities such as Munich, Berlin, or Hamburg, living expenses in Germany tend to make rent the most significant monthly expense. However, many students reduce costs by living in shared apartments (WGs) or dormitories. Monthly living expenses in these cities typically range from €950 to €1,300. Smaller cities like Dresden, Jena, or Aachen offer even lower costs—sometimes under €800 per month—with the same access to high-quality education and infrastructure.
Groceries, dining, and entertainment are generally affordable, especially when choosing budget-friendly supermarkets like ALDI, Lidl, or Rewe. Public transport is reliable and widely used, with student passes covering most regional travel.
With careful budgeting and smart lifestyle choices, the cost of living in Germany offers an exceptional balance of affordability and quality of life. It’s no surprise many international students see it not only as a study destination but a long-term home.
I will be sure to read this because it will help me create a budget.
Thank you HelloGerman for giving me an estimate. This will help me make a good budget plan before visiting!