Cost of living in Germany, prices and what it is like to live for an Expat, quality of life / hardship, and compare cost of living for Expatriates as at April 2020. What is it like to live in Germany?
Germany is in Central Europe, bordering the Baltic Sea and the North Sea, between the Netherlands and Poland, south of Denmark.
The climate is temperate and marine with cool, cloudy, wet winters and summers and occasional warm mountain wind.
The official language is German. There are many regional accents and dialects, standard German is understood everywhere. English and French are also spoken in the country's western states while Russian is spoken in eastern states. Locals will appreciate an effort to express basic courtesies in German.
The main religion is Christianity.
The economy of Germany is the largest national economy in Europe, the fourth largest by nominal GDP in the world. The service sector contributes around 70% of the total GDP, industry 29.1%, and agriculture 0.9%. Most of the country's products are in engineering, especially in automobiles, machinery, metals, and chemical goods. Germany is the leading producer of wind turbines and solar power technology in the world.
Germans tend to be formal in business and social settings. Punctuality is particularly very important in Germany. Expatriates should address associates by their surname (such as Herr or Frau Beckenbauer) until invited to call them by their first name. Expatriate dress code is a suit for all meetings. The safety risk for expatriates in Germany is low. Risks include low levels of street crime, however violence is unusual, and expats are unlikely to be exposed to crime. There is risk of terrorism.
The currency of Germany is the Euro (EUR). Banking is on a par with that of the rest of Western Europe and North America.
Health care facilities are good, however the cost of treatment for expatriates from outside the EU can be high.
The population is 82.8 Million (2019 est.), and the inflation rate (CPI) is 1.4% for Germany as at March 2020.
The Xpatulator Hypothetical Tax for Germany is based on the current personal income tax rates for single taxpayers which are progressive up to 45%.
Within Germany we also cover
Berlin, Bonn, Cologne, Frankfurt, Hamburg, Munich, and Stuttgart.
Cost Of Living
What is the cost of living in Germany?
The cost of living for expatriates in Germany as at April 2020 is high in comparison to other places in the world. We have collected prices for the same items, world wide, based on Expat spending norms, in or closest to the location, and converted them to $USD so that we can compare the cost of 13 different baskets in 780 global locations. For each basket, compared to New York, the equivalent cost in Germany is as follows:
1) Alcohol and/or Tobacco: for items such as beer, spirits, wine and tobacco related products such as cigarettes. A basket costing USD$1000 in New York costs USD$710. Average price in a store for a midrange bottle of wine is USD$7.15, domestic/local beer (500ml) USD$1.11, imported/international beer (330ml) USD$1.74 and a pack of 20 cigarettes is USD$9.17. 2) Clothing: for items such as business, casual and children's clothing and footwear. A basket costing USD$1000 in New York costs USD$940. Average price for an international brand of mens jeans is USD$84, a quality international brand of running shoes USD$89, mens leather shoes suitable for office wear USD$113 while a medium size international summer dress from a global chain store is USD$36. 3) Communication: for various communication costs such as home telephone rental, internet subscription, mobile service provider tariff and data costs. A basket costing USD$200 in New York costs USD$182. Average price for a monthly standard plan internet subscription is USD$33, while the benchmark mobile tariff is USD$0.11 per minute. 4) Education: for items such as creche / pre-school fees, primary school fees, high school fees and tertiary study fees. A basket costing USD$30000 in New York costs USD$28500. Average annual private international school fee (excluding extras) USD$18,565 for Primary School, and USD$20,659 for High School. 5) Furniture & Appliances: for items such as dining table and chairs, home entertainment, kitchen appliances, and sofas. A basket costing USD$2500 in New York costs USD$1475. Average price for a 6kg front loader Washing Machine is USD$606, and USD$521 for a 46+'' LED UHD TV. 6) Groceries: for items such as consumables, cleaning products, dairy, fresh fruit & vegetables, general food products, snacks, soft drinks. A basket costing USD$1000 in New York costs USD$750. Average grocery prices in a major international retail store for 1 kg apples is USD$3.17, 1 kg oranges USD$3.06, 1 head lettuce USD$1.33, 1 kg potatos USD$1.42, 1 kg boneless, skinless, chicken breast USD$10.53, 1 kg cheddar cheese USD$12.83, 1 dozen large eggs USD$2.65, 500g loaf white bread USD$1.86, 1 L full cream milk USD$1.01, and 1.5 L water USD$0.49. 7) Healthcare: for general heath care, doctor visits, hospital stays, non-prescription medicine, and medical insurance. A basket costing USD$1000 in New York costs USD$650. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$53, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,629. 8) Household Accommodation: for items such as apartment rent, house rent, property purchase, mortgage rate, and utilities. A basket costing USD$5000 in New York costs USD$2300. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$2,983 in a central location, and USD$1,895 in a suburban location, per month, excluding utilities. 9) Miscellaneous: for items such as dry cleaning, linen, magazines, newspapers, office supplies, and postage stamps. A basket costing USD$500 in New York costs USD$460. Average price for dry cleaning (1 mens 2 pc suit) is USD$8.97, while an international newspaper is USD$2.76. 10) Personal Care: for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$390. Average cost for a mens haircut and blow dry is USD$31, while a womens hair colour, cut and blow dry - medium length is USD$157. 11) Recreation & Culture: for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$405. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$15.55, and an international fitness, recreation or sports club membership cost for one adult is USD$42 per month. 12) Restaurants Meals Out and Hotels: for items such as hotel daily room rates, meals and beverages in a restaurant, and take away food and beverages. A basket costing USD$1000 in New York costs USD$820. Average cappuccino price (regular, medium) is USD$3.85, coke/pepsi (330ml) USD$3.24, burger meal (international franchise or similar) USD$11.31, and a mid-range international restaurant meal for 2 USD$64.48. 13) Transport: for items such as fuel (petrol/gasoline), car hire, public transport, vehicle purchase and maintenance. A basket costing USD$1000 in New York costs USD$1090. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$1.57, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$22,045. How does the cost of living in Germany compare?
Germany is 0.2% more expensive than USA for groceries, -18.6% cheaper for household costs than UK, and 131.1% more expensive for transport costs than India.
What is the quality of life / hardship in Germany?
Germany is ranked as a minimal hardship location.The hardship premium for Germany for an expat from Australia, is for example 0%, i.e. host location (Germany) premium of 10% minus home (Australia) location premium of 10%.
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