Living Cost in Germany

Living Cost in Germany

Aditee NeupaneTue Mar 09 2021

Living Cost in Germany

Germany is beautiful with rich culture, widespread history, famous tourist destinations, and a highly tech-savvy country. Located in Central and Western Europe, this country might seem to look like a very costly place, but the cost of living here is quite reasonable. 

If you choose to apply smarter spending patterns and utilize the public facilities and student facilities in the best way possible, you will have no difficulty in managing your finances. The lifestyle in Germany may differ from where you live - since big cities are costly in comparison to small cities or towns.

In relation to tuition fees in Germany, most of the universities offer higher education at no cost or incur low-budget tuition fees. The only educational expense an international student would have to incur is the yearly administrative fees, which helps to stabilize your budget and reduce your financial costs to a certain extent.

To add the cherry on top, international students generally manage to cover up the living expenses in Germany by the money they earn through the part-time job during their study period.  


As finding a suitable place to live is the foremost concern of a student, let’s focus on German accommodation facilities in detail.

 In comparison to other expenses, finding a place to rent might turn out to be a little expensive. However, if you choose wisely, you might save yourself from excess spending. For instance, renting a single bedroom flat in a metropolitan area is much more expensive (around €700 per month) whereas, it costs around €500 per month (in the outermost parts of Germany). 

Living in student hostels, dorms, and sharing a flat are other alternatives to help decrease one’s living expenses. Along with rent, utility and rubbish disposal bills are also some miscellaneous expenses you have to potentially take into consideration. On average, the electricity bill in Germany is comparatively higher than other utilities, hence it may cost you more than 200 euros a month.

It might take some time to hunt down a suitable place to live in that meets all your requirements and fits within your budget, but will surely help you reduce expenses in accommodation.


As a student, instead of eating out on a frequent basis, cooking on your own helps decrease food expenses. An average breakfast meal inclusive of milk, bread, meat is rather budget-friendly than a meal at an average restaurant which may cost you around €23. 

Learning to cook basic food items will save you tons of euros on a long term basis and also in controlling your food expenses which in return, helps you save up for a good meal in an average restaurant. Universities also provide good food services at low cost in their cafeteria, where a card system is used for students. 

An average meal costs around 5 euros and the same card can be re-charged on a regular basis. 

Travel expenses

Going back and forth from your flat to university, travelling to places, meeting your friends and buying your groceries can be a tough task. Therefore, choosing the best option for your commute - can save you from spending more. As a student, public transportation in Germany is the cheapest and most reliable option to choose from. On a local public transport, a one-way ticket costs you €2 on average. 

Health insurance

Health insurance in Germany is compulsory from the day of your arrival, and you can opt for a health insurance plan. You can choose from provided two insurance plans (private insurance plan and public insurance plan) and according to the premium you can pay and look after your health needs.

 As for public health insurance, you are required to pay a monthly premium of around €80, whereas, for private health insurance, you can set a fixed monthly premium fee with the insurance company in advance.


This includes all the extra expenses you incur after all your basic expenses are met. If you want to roam around Germany for shopping, it might bring some changes within your budget for other expenses as well because the clothing brands are of high quality and pricey. 

You’ll get an opportunity to experience various festivals and carnivals here since these will be a good escape for students from their hectic study life. In order to participate in such festivals and travel within the country, make sure to keep some money aside from your budget.

Overall, Germany is not an expensive country if you spend money wisely, not even for a student to live and sustain.

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