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Living in Germany: Cost of Living, Healthcare and What to Know About Living in Germany | Expat Exchange
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Berlin, Germany

Living in Germany

By Joshua Wood, LPC

Last updated on Mar 10, 2024

Summary: People often describe life in Germany as modern, efficient, and organized. Expats love the high quality of life, excellent public transportation, and the fact that Germany is a safe and welcoming country. The average cost of living for an expat is around $2,000 per month, depending on the city and lifestyle. The population of Germany is approximately 83 million people, and the largest cities are Berlin, Hamburg, Munich, Cologne, and Frankfurt. The cons of living in Germany include the high cost of living in some cities, the language barrier, and the fact that the country is quite cold in the winter. Additionally, the bureaucracy can be difficult to navigate.

William Russell
William Russell
William Russell
William Russell

What do I need to know about living in Germany?

When we asked people what advice they would give someone preparing to move to Germany, they said:

"I've had a year to get re-acquainted with America after living almost 8 years in Germany and I fear I will never grow to love this country again. It is a country built on instant gratification, with an emphasis on wanton and pointless consumerism, coupled with an obnoxious, jingoistic self-identity. Most people are hopelessly ignorant of affairs outside their own county, nevermind outside the borders of their country. They are more concerned with the next sale at the mall than what's going on in the world. Everything is disposable here, including what few traditions that survived the first 200 years of our history. I shudder to think that my daughters must grow up in such a society. We will do our best to instill in our children proper values and respect for traditions at home, but I fear our battle against the shallowness and materialism of the American mass culture is a losing one. Fortunately, it is likely we will again have the opportunity to go overseas, and we will jump at that opportunity," remarked one expat who made the move to Dusseldorf.

"It is important to research the kinds of visas or other documents you may need to stay in Germany. You should also familiarise yourself with the cost of living in Germany, including that of any health care or other essential services you may require. It is also helpful to brush up on the language, as most Germans do not usually speak English. It is also a good idea to research any potential tax implications before retiring in Germany, as taxes can vary depending on income. Additionally, make sure to take advantage of all available benefits and services that Germany offers to retirees, such as pension schemes or rent subsidies. Finally, connect with other expats and join an expat forum to learn more about living in Germany," explained one expat living in Germany.

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How do I meet people in Germany?

When we asked people living in Germany about club and activities where newcomers can meet others, they responded:

"Deutsch-Amerikanische Gesellschaft, Volkshochschule (Adult Education classes), Univ of Erfurt (can also sign up as an auditor)," wrote a member in Erfurt.

"Expats in Germany can join international clubs and associations, including Toastmasters International and the International Women's Club. Other activities include attending events hosted by organizations such as InterNations or participating in local walking tours to meet other expats and learn more about the city. Expats can also find social opportunities through their employer or at language schools, as well as visit local meet-up groups, bars and restaurants that host expat gatherings in their area. Additionally, many expats in Germany explore local activities and hobbies, such as learning to dance with a professional dancing school or joining an intramural sports league," commented one expat who made the move to Germany.

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What is life like in Germany?

When we asked people living in Germany what life is like and how people spend their time, they said:

"Living as an expat or digital nomad in Germany can be both rewarding and challenging. The country offers excellent infrastructure, a well-developed public transportation system, and strong economic opportunities. Expats and digital nomads can benefit from the culture of order, accuracy and efficiency that is characteristic of German society. German cities offer world-class amenities, from lush parks and museums to high-end restaurants and shopping malls. Expats have access to a wide range of quality healthcare services, as well as a range of schools for children and young adults. Although the language barrier can sometimes be a challenge, expats can find a wealth of resources to help them settle in and feel at home. Despite the colder climate and sometimes difficult immigration process, the overall quality of life in Germany is very appealing to many expats and digital nomads," remarked one expat living in Germany.

"Capital of Thüringen / Thuringa. There are still many communters from the west who are here during the week. High unemployment of 14% and people tend to stay to themselves," wrote one member in Erfurt.

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Is there a lot of crime in Germany?

We asked people if there is a lot of crime. They answered:

"Crime is a significant concern in Germany, as it is in many places around the world. Reports of various types of crime, from pickpocketing to theft to violent crimes, are common throughout the country. However, Germany is considered relatively safe, thanks to the effectiveness of its law enforcement agencies and its conscientious anti-crime initiatives," said one expat in Germany.

"Where we live there is hardly no crime. But in Cologne, which is some 55 Kilometers away, there is quite a bit. In all the big cities here, especially Berlin, there is a large amount of crime. Where there are migrational community, i.e. Turkish, there is a lot," said one expat who made the move to Eifel .

Is there a lot of diversity? Are people in Germany accepting of differences?

"Germany is a diverse country, with a wide variety of cultural backgrounds and religions represented throughout its population. The German people have been known to be accepting of differences and tolerant in their views, embracing the cultural and religious diversity that exists within the nation. German culture is open to hearing different perspectives, emphasizing openness, acceptance and mutual respect for all," wrote one member in Germany.

"Less than 2% of population are foreigners here as in most cities in East Germany. Less than 20% belong to any religious grp, since most were atheists before anyway. However, the city has a cathedral and over 20 churches with a rich history dating over 1250 yrs, incl Martin Luther, Goethe and Bach," remarked one expat who made the move to Erfurt.

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What are the schools in Germany like?

"As an American coming over to Germany, it was hard to understand the IB perspective at first. But I committed to it learning it and now I feel it is much better than a public school in the US. The school is friendly and welcoming, and Hannover is an amazing place to raise a family," commented one expat when asked about International School Hannover Region in Hannover.

"Elementary school is a positive environment for the children. The children are taught to help each other, hold the door open for the person behind you, say please and thank you, which is not always found in the German culture. Middle school is need of improvement, non-native English teacher teaching English. Math teachers non-motivating and non-inspirational. There is an advantage for the teachers, class sizes are small and yet they are unable to inspire. No IBO, or IGCSE proven programs," remarked one expat living in Gersthofen with children attending International school Augsburg.

"I would advise someone considering enrolling to do it early. Non-German speaking children are supposed to have priority. No German is required," said one expat in Berlin with children at Berlin Kids International Kindergarten.

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Is the cost of living in Germany high?

We asked people how much they someone comfortably live on in Germany, they wrote:

"This would fluctuate with currency ups and downs, lifestyles location and circumstances. These vary considerably so I cannot provide an accurate figure. But, a ballpark figure for one person, to be comfortable, would be about $50,000 a year," remarked one expat who made the move to Friedrichsdorf.

"The cost of living in Germany varies considerably depending on location and lifestyle. Food, clothing, and entertainment are generally affordable, while transportation and housing can be more expensive. Generally, the cost of living in Germany is below the European average and salaries tend to be higher than in other countries," explained one expat living in Germany.

"Overall, the cost of living in Germany is significantly lower than in many other European countries, however, there are still some areas that have a higher cost of living compared with the rest of the country, such as Munich, Hamburg, Cologne, and Stuttgart. The rental price for a nice one bedroom apartment in Germany is usually between $675 and $1100 US Dollars. For a nice two bedroom apartment, the price can range from $800 to $1300 US Dollars per month. Eating dinner at a moderately priced restaurant usually costs around $12 - $20 US Dollars, depending on the location and menu," commented one expat who moved to Germany.

"Here are some of the cost of living figures for Dusseldorf, Germany. Flat rent 1000-1500 Eur Flat buy 3000 Eur/m2 Avg Restaurant 8-10Eur/meal Car leasing 300-500 Eur/month Car insurance vary 1000-2000 Eur/year Insurances 300Eur/year Health insurance private 400 Eur/month Health insurance public 400-800 Eur/month Income tax vary depending family status," said one expat.

What type of recreational facilities are in Germany?

When we asked people living in Germany about recreational activities, they mentioned:

"In Germany, residents enjoy a variety of recreational facilities, such as public parks, swimming pools, sports fields, and playgrounds. There are also many outdoor activities available, such as hiking, biking, and camping. For those who prefer indoor activities, there are bowling alleys, movie theaters, and arcades. Germany also has a wide variety of cultural attractions, such as museums, galleries, and theaters. Additionally, there are many festivals and events throughout the year, such as Oktoberfest and Christmas markets," said one expat living in Germany.

What is the weather like in Germany?

"The weather in Germany varies depending on the season. In the summer, temperatures can reach up to 30 degrees Celsius, while in the winter temperatures can drop to below freezing. Rainfall is common throughout the year, with the most rain occurring in the summer months. Snowfall is also common in the winter months, especially in the mountainous regions," remarked one expat living in Germany.

"The temperature in Dusseldorf in the summer ranges from +22 to +35C. In the winter in ranges from -2 to +10C," said one expat living in Dusseldorf.

Are there good restaurants in Germany?

"One of the most popular restaurants in Germany is the Ratskeller in Berlin. Located in the heart of the city, this restaurant serves traditional German cuisine in a cozy atmosphere. The menu includes a variety of dishes such as schnitzel, sauerbraten, and potato pancakes. The restaurant also offers a selection of German beers and wines. Another popular restaurant in Germany is the Zum Goldenen Stern in Munich. This restaurant has been serving traditional Bavarian dishes since the 16th century. The menu includes dishes such as roast pork, sausages, and dumplings. The restaurant also offers a selection of German beers and wines. The Schlossberg Restaurant in Stuttgart is another popular restaurant in Germany. This restaurant serves traditional German cuisine in a luxurious setting. The menu includes dishes such as venison, beef roulade, and spaetzle. The restaurant also offers a selection of German beers and wines. Finally, the Restaurant Schlossberg in Heidelberg is a popular restaurant in Germany. This restaurant serves traditional German cuisine in a romantic setting. The menu includes dishes such as schnitzel, sauerbraten, and potato pancakes. The restaurant also offers a selection of German beers and wines," said an expat in Germany.

"Many restaurants. Night clubs for 30+. Jazz club, live music. Special parties for 40+ ages," remarked one expat in Dusseldorf.

Where will I buy groceries and do other shopping in Germany?

"People living in Germany typically buy groceries from supermarkets, discount stores, and local markets. Other shopping can be done at department stores, specialty stores, and online retailers. Many people also shop at local farmers markets for fresh produce and other items," remarked one expat living in Germany.

What are the visa & residency requirements in Germany?

"If you are from the EU, you don't need a visa nor are their residency requirements. If you are from outside of the EE, a visa & work permit are needed, but easy to get if you come to work," said one expat living in Dusseldorf.

"To visit Germany, visitors typically need to apply for a visa, depending on their nationality and the purpose of their trip. Generally, visitors from a number of non-EU countries must apply for a Schengen visa, while UK citizens and citizens of some other countries may enter Germany without a visa. The Schengen visa application process requires documents such as a valid passport, a passport-sized photograph and a covering letter outlining the purpose of the visit. In addition, applicants may need to provide documents such as proof of accommodation and proof of sufficient funds to cover their stay in the country. Those wishing to reside in Germany for a longer period may apply for a national visa or residence permit. To apply for a residence permit, applicants must submit an application form to the relevant German Embassy in their home country, along with copies of passport biometric pages, proof of accommodation, a valid health insurance policy, and proof of sufficient funds to support their stay in the country. Applicants may also need to provide documents related to the purpose of their stay, such as a work offer, if applicable. Depending on the nature of the visa sought, additional documents might be requested before the application can be processed," mentioned one expat inGermany.

Are healthcare and health insurance expensive in Germany?

"Healthcare in Germany is generally considered to be of high quality and is relatively affordable. Most people in Germany are required to have health insurance, which is usually provided by a public health insurance provider. The cost of health insurance depends on the type of coverage and the individual's income, but it is generally affordable. In addition, there are private health insurance providers that offer more comprehensive coverage, but these plans tend to be more expensive," wrote one expat living in Germany.

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About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

Berlin, Germany

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