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2023 International cost of living and hardship / quality of living data for 780 global locations. We provide internet friendly services and our employees work virtually, keeping you safe, enabling you with technology that delivers faster.


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Cost of Living Allowance Report Calculator
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Cost of Living Articles and Rankings

-International City Cost of Living Rankings

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America; Asia Pacific; Europe; Middle East)

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Cost of Living Reviews by City and Country for 780 International Locations

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Europe Expat Cost of Living Comparison

Europe Expat Cost of Living Comparison

With a few exceptions, the most expensive cities in Europe are mostly the Non-Euro countries.

The euro is the second most traded currency in the world, managed by one central bank, the European Central Bank. The cost of living is generally more reasonable in the larger countries in Europe who use the euro as their currency. Their larger companies produce more at a lower cost, thus benefiting from economies of scale. They export their cheaper goods to the less-developed eurozone nations. Smaller companies in smaller European countries find it difficult to compete with relatively low prices. On the other hand the euro allows countries with weaker or smaller economies to enjoy lower interest rates because the euro isn't as risky to investors as a currency with less demand. Over the years, lower interest rates have led to more foreign investment. This has boosted the smaller nations' economies.




Which city is the most expensive in Europe in 2023?

Zurich is the most expensive city in Europe for Expatriate's to live with an overall Cost of Living Index (COLI), for all 13 basket groups, of 107 (New York =100).







Second Most Expensive City in Europe

Geneva is the second most expensive city in Europe for Expatriate’s to live, with an overall cost of living index of 105.





Third Most Expensive City in Europe

Monaco is the third most expensive city in Europe for Expatriate’s to live, with an overall cost of living index of 104.





Where does this expat cost of living information for Europe come from?

Xpatulator.com has been created to calculate expatriate pay using online calculators and an extensive database of cost of living and hardship indexes, for 780 international locations. The database is updated quarterly. Subscribers use this information to ensure expatriate salary spending power is maintained when on an international assignment. Salary spending power is affected by cost of living, hardship and exchange rate differences between the home and host location.


What is the cost of living comparison for Europe?

A cost of living comparison involves using a Cost of Living Index (COLI) as a numerical way of comparing cost of living, either over time, or by comparing the cost of living in different geographical locations. When comparing the cost of living between different locations the difference in the cost of living is expressed as an index by dividing the cost of living in Location A by the cost of living in Location B. The cost of living index indicates the difference in the cost of living between the two locations. The COLI for the most expensive cities in Europe is the result of dividing each locations cost of living by the cost of living in New York NY (USA) using all 13 basket groups. New York therefore has a COLI of 100 for global comparison purposes.




What are the top 10 most expensive cities to live in Europe?

The top 10 most expensive cities in Europe for an Expat as at April 2023 are as follows:


Cost of Living Review for Europe

For more, read a free cost of living review for the following locations in Europe as at April 2023:


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