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Living in Estonia: Cost of Living, Healthcare and What to Know About Living in Estonia | Expat Exchange
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City Center Tartu, Estonia

Living in Estonia

By Betsy Burlingame

Last updated on Jun 25, 2023

Summary: The approximate population of Estonia is 1.3 million people. The largest cities in Estonia are Tallinn, Tartu, Narva, Kohtla-Järve, and Pärnu. Expats love living in Estonia for its high quality of life, low cost of living, and friendly people. Life in Estonia is described as peaceful, safe, and relaxed. Popular foods in Estonia include rye bread, potatoes, pork, and fish. Soups, stews, and porridges are also popular. The cons of living in Estonia include the cold weather, the language barrier, and the lack of job opportunities. The average cost of living for an expat is around $1,500 to $2,000 per month. This includes rent, utilities, food, and other expenses.

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What are the pros and cons of living in Estonia?

Expats, digital nomads and retirees living in Estonia responded:

"I lived in Tartu for several years, married my Ex Estonian wife here in the US, where we had two daughters then moved to Tartu. My work schedule on TV 7-8 hours ahead meant being up at 2-3am, and 4 satellite hops, which were expensive. A lot of what has been said is true. Tartu is really nice and quaint, changing rapidly. I remember when the first Mcdonald's went in, and it's been invaded since then with all the junk food you can imagine. I spoke extremely little Estonian, which at times was difficult. My daughters and ex are fluent in English and Estonian, so I often had a translator. I grew up in Mn and Chicago, so Estonia is cold in Winter, but I have been colder. DARK, though, is absolutely pitch black. It can be depressing. There are indoor spas and things, but the darkness can take a toll. The opposite is true in summer when it's constantly light. I mean, at midnight, the sun is up, 2 am. It bothered me more than the dark. The good news and bad news is Tartu is small. With 120k people or so and the second biggest city in Estonia, well, anyone who dislikes small-town life, it's not for you. In fact, the entire country may not be, except for a visit. I remember when Estonia joined the EU and NATO. I remember when they didn't use the Euro, it all happened pretty fast. The Estonian economy changed rapidly. Prices came in line with Western Europe. Wages didn't meet the needs. And still don't for many people. In Tartu, employment can be hard to find. Anyway, I have mixed emotions about Tartu, little too small for me, but nice," remarked one expat in Tartu.

"Expats and digital nomads living in Estonia appreciate the country's high quality of life, with its low cost of living, excellent public transportation, and vibrant cultural scene. They also enjoy the fact that Estonia is a tech-savvy nation, with a strong digital infrastructure and a supportive environment for entrepreneurs. On the downside, some expats and digital nomads find the language barrier to be a challenge, as English is not widely spoken outside of the major cities. Additionally, the long, dark winters can be difficult to adjust to for those coming from warmer climates," explained one expat living in Estonia.

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What type of social life can someone expect in Estonia?

When we asked expats and global nomads about their social experiences in Estonia, they replied:

"Expats, retirees and digital nomads living in Estonia typically have an active social life. They often join local clubs and organizations, attend cultural events, and make friends with other expats, retirees and digital nomads. They also take advantage of the many outdoor activities available in Estonia, such as hiking, biking, and skiing. Additionally, they often take part in the vibrant nightlife of the cities, enjoying the many bars, clubs, and restaurants," wrote one expat in Estonia.

"The social scene in Estonia is vibrant and diverse. There are plenty of opportunities to meet people and make friends, whether it be through joining a club or attending a local event. There are also plenty of bars, clubs, and restaurants to explore, as well as a variety of cultural activities to take part in. Estonia is also home to a number of festivals throughout the year, which are great for meeting new people and having a good time," said one member in Estonia.

What are medical services in Estonia like?

When we asked expats and global nomads about the quality of medical care in Estonia, they replied:

"Estonia has a well-developed healthcare system that provides quality medical services to its citizens. The country has a network of hospitals, clinics, and health centers that offer a wide range of medical services, including preventive care, diagnosis, and treatment. Estonia also has a number of specialized medical centers that provide specialized care for specific conditions. In addition, Estonia has a number of private medical facilities that offer a variety of services, including cosmetic surgery and alternative medicine. The country also has a number of pharmacies that provide prescription and over-the-counter medications," said one in Estonia.

Are healthcare and health insurance expensive in Estonia?

"Healthcare in Estonia is generally considered to be of a high quality and is relatively affordable. The Estonian government provides universal health insurance coverage to all citizens and permanent residents, which covers most medical services. Private health insurance is also available, but it is not as widely used as the public system. In general, healthcare and health insurance in Estonia are considered to be reasonably priced and accessible," remarked one expat in Estonia.

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Is the cost of living in Estonia high?

We asked people about the cost of living in Estonia, they wrote:

"The cost of living in Estonia is generally considered to be quite affordable. The capital city of Tallinn is the most expensive place to live in the country, with prices for goods and services being higher than in other parts of Estonia. The rental price for a nice 1 bedroom apartment in Tallinn is around $600 USD per month, while a nice 2 bedroom apartment can cost around $800 USD per month. Eating dinner at a moderately priced restaurant in Estonia can cost around $15 USD per person," explained one expat living in Estonia.

What are the visa & residency requirements in Estonia?

"In order to visit Estonia, foreign nationals must obtain a visa from an Estonian embassy or consulate prior to their arrival. The process of applying for a visa involves submitting a completed application form, a valid passport, a passport-sized photograph, and any other documents required by the embassy or consulate. In order to obtain residency in Estonia, foreign nationals must apply for a residence permit. The process of applying for a residence permit involves submitting a completed application form, a valid passport, a passport-sized photograph, proof of financial means, proof of health insurance, and any other documents required by the Estonian Immigration Office," wrote one expat in Estonia.

Why do people move to Estonia?

When we asked people why foreigners move to Estonia, they responded:

"Estonia is an attractive destination for expats due to its high quality of life, low cost of living, and excellent infrastructure. The country is known for its vibrant culture, beautiful landscapes, and friendly people. Additionally, Estonia is a great place to start a business, as it has a business-friendly environment and a highly educated workforce. Furthermore, the country offers a wide range of activities and attractions, from outdoor activities to cultural events. Finally, Estonia is a safe and secure country with a low crime rate, making it an ideal place to live and work," explained one expat living in Estonia.

What do I need to know about living in Estonia?

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

"Before retiring in Estonia, expats should familiarize themselves with the local language, as English is not widely spoken. It is also important to research the cost of living in Estonia, as prices can vary significantly depending on the city or region. Additionally, expats should be aware of the healthcare system in Estonia, as private health insurance may be necessary. Finally, expats should research the visa and residency requirements for Estonia, as these can vary depending on the individual's nationality," said one expat in Estonia.

"Come here first and meet the people, and see how you like it. For winter, bring heaps of extremely warm clothes. Culturally it is a dream, with the concert hall and opera house performing 9 mos of the year, and best seats at only 11 dollars. Dining out at fine restaurants is no bargain. Bring Seasoning Salt in abundance, and boxes of seasoned stuffing if you like roast chook )or you'll have to make your own). MORE cigarettes also canä' be found here. You can join the Academic Library and check out books in English and many other languages," said a person living in Tallinn.

What do I need to know before moving to Estonia?

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

"Estonia is a small country in Northern Europe with a population of 1.3 million people. It is a member of the European Union and the Schengen Area, and has a modern economy with a high standard of living. The official language is Estonian, but English is widely spoken. The currency is the Euro. Estonia has a temperate climate with cold winters and mild summers. Expats should be aware that the cost of living in Estonia is relatively high compared to other countries in the region. Healthcare is of a high standard and is free for EU citizens. Expats should also be aware that the country has a high rate of internet penetration, making it one of the most digitally advanced countries in the world," said one expat in Estonia.

How do I find a place to live in Estonia?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"One of the best ways to find a place to live in Estonia is to use online resources such as websites and real estate agents. Websites such as kv.ee and city24.ee are great for finding rental properties, while real estate agents can help you find a place to buy. Additionally, you can search for rental properties on social media sites such as Facebook and Twitter. It is also possible to find a place to live through word of mouth, so don't be afraid to ask around. Finally, you can also look for rental properties in newspapers and magazines," said a person living in Estonia.

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What is a typical expat home or apartment like in Estonia?

"Expat homes and apartments in Estonia tend to be modern and comfortable, with plenty of natural light and open spaces. Many expats choose to live in the capital city of Tallinn, which offers a wide range of housing options, from traditional wooden houses to modern high-rise apartments. Expats can also find homes in the countryside, where they can enjoy the peace and quiet of rural life. Most expat homes and apartments come with all the necessary amenities, such as internet access, washing machines, and air conditioning," remarked one in Estonia.

What is the average cost of housing in Estonia?

If you are thinking about moving to Estonia, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Estonia is generally considered to be quite affordable compared to other European countries. The average cost of renting an apartment in Estonia is usually around €400-€600 per month, while the average cost of buying a home is around €1,000-€1,500 per square meter," explained one expat living in Estonia.

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How do I meet people in Estonia?

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

"British Chamber of Commerce American and Canadian Chambers of Commerce. Get a hold of This Week in Tallinn )a bimonthly puiblication) and Baltic Times weekly newspaper to find names of clubs and churches that might be of interest," remarked one expat in Tallinn.

"Expats in Estonia often join clubs and activities such as sports teams, language classes, and cultural events. Expats can also meet people by attending local festivals, joining meetup groups, or attending networking events. Additionally, many expats find it helpful to join online forums and social media groups related to their interests. This can be a great way to connect with other expats and locals alike," explained one expat living in Estonia.

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What should I bring when moving to Estonia?

People living in Estonia were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Estonia, it is important to pack warm clothing, as the climate is cold and wet. It is also a good idea to bring a raincoat and waterproof shoes. Additionally, it is recommended to bring a few items of casual clothing, as well as some formal attire for special occasions. It is also important to bring any necessary documents, such as a passport, visa, and any other paperwork required for the move. Finally, it is a good idea to bring some basic toiletries and personal items to make the transition to a new home easier," replied an expat in Estonia.

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Where should I setup a bank account in Estonia?

We asked expats in Estonia what banks they use and there advice about banking. They advised:

"Before retiring in Estonia, expats should familiarize themselves with the local language, as English is not widely spoken. It is also important to research the cost of living in Estonia, as prices can vary significantly depending on the city or region. Additionally, expats should be aware of the healthcare system in Estonia, as private health insurance may be necessary. Finally, expats should research the visa and residency requirements for Estonia, as these can vary depending on the individual's nationality," said one expat in Estonia.

Will I be able to find a job in Estonia?

When we asked people about industries and career opportunities in Estonia, they reponded:

"Foreigners often have jobs in Estonia in the fields of technology, finance, hospitality, and education. They may also work in retail, customer service, and other service-oriented industries. Additionally, many foreigners find employment in the creative industries, such as design, media, and music," replied an expat in Estonia.

"The city is one of the most hi-tech in the world. The timber and shipping industries are also of great importance," remarked one in Tallinn.

What is life like in Estonia?

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

"Life for expats and digital nomads in Estonia is generally quite pleasant. The country is known for its high quality of life, with a low cost of living and a vibrant culture. The country is also very welcoming to foreigners, with a large expat community and plenty of opportunities for networking. The country is also very tech-savvy, making it an ideal place for digital nomads to work remotely. The capital city of Tallinn is particularly popular with expats and digital nomads, offering a wide range of activities and attractions. Overall, Estonia is a great place for expats and digital nomads to live and work," explained one expat.

"Life here is family oriented up to a point, but many marriages are broken. Young people go out frequently to bars and clubs where English is generally well spoken. Foreigners are received in a friendly and welcome manner. In fact, they are plesantly surprised to see you here. Do not be shy about opening conversations," said one person in Tallinn.

What do expats in Estonia appreciate most about the local culture?

"Their song festivals, Beautiful native language, Love of Nature, Long lived history, Story of survival of a culture," replied an expat in Tallinn.

"Expats in Estonia appreciate the country's strong sense of community and the welcoming attitude of the locals. They also enjoy the country's rich cultural heritage, with its many festivals, museums, and galleries. Additionally, expats appreciate the country's natural beauty, with its forests, lakes, and coastline. The country's vibrant nightlife and excellent food scene are also popular among expats. Finally, Estonia's high-tech infrastructure and digital-friendly environment make it an attractive destination for those looking to work remotely," remarked one in Estonia.

What do expats find most challenging?

"Expats in Estonia often find the language barrier to be the most challenging aspect of the local culture. Estonian is the official language, and while English is widely spoken, it is not as commonly used as in other European countries. Additionally, the local culture can be quite reserved and formal, which can be difficult for expats to adjust to. Furthermore, the weather in Estonia can be quite extreme, with cold winters and short summers, which can be difficult to get used to," said one person in Estonia.

"1. There was tension surrounding the language and I was harrassed a couple of times because I didn't speak Estonian. The worst part about this is that they were medical professionals. The situation with the language has changed and I haven't had a bad experience for awhile but it was the most challenging part. 2. There's tension between Estonians of Russian decent and Estonians that are not of Russian decent. This could also play into the language being made out to be something to hold over others who don't speak the language. It's not everyone though. It's just loud by a small few and it has gotten better. Estonia is a place of improvement and progression at a rapid speed. So this and the above challenge might not even exist anymore. 3. The quality of medical care is below westernized standards. It's not just with equipment but also with the professionalism and the education of some of the medical staff. I'm also going to include customer service in general with this one. The customer service has gotten better and in the bigger cities it's great but the more rural areas could still use some changing. I heard it was so much worse in the soviet times. I am looking forward to this aspect to continue getting better and just as rapidly as everything else," remarked one expat in Tartu.

Is there a lot of crime in Estonia?

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

"Estonia is generally considered to be a safe country with low levels of crime. However, there have been reports of petty crime such as pickpocketing and theft in some areas, particularly in larger cities. Additionally, there have been some reports of cybercrime, such as online fraud and identity theft," said one person in Estonia.

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

"Estonia is a culturally diverse country, with a population that includes Estonians, Russians, Ukrainians, Belarusians, Finns, and Jews. People in Estonia are generally accepting of differences, and the country has a long history of multiculturalism. The government has taken steps to ensure that all citizens are treated equally, regardless of their background," explained one expat.

"About 35% are of Russian ancestry, and that is their usual language. They like going to Karaoki bars and paying a little to sing their hearts out. Many businesses function as much in Russian as in Estonian. It is hard to tell Estonians from Russian ancestry people unless you listen to them speaking with each other. Many Estonians do not like this group of people, and have made laws concerning their obtaining a total Estonian passport, with passing an Estonian language test )which the EU will probably rule to be a violation of human rights on Estonia joining that body). The Russian oriented people here are very different from Russians in Russia, in fact they think more or less alike with fellow Estonians. Religion is not strong here. The population is pretty broad minded in a Scandinavian manner in terms of sexual mores, which anyone will find out quickly if they get cable TV, as after midnight anything is shown. They think of sex as a completely norman bodily function, like eating breakfast, and they are not prudes. There is also a high level of gay tolerance, with as many clubs here in this city of only 500,000 as are found in Moscow with its 15m. I do not think black people would find problems here like they do in Russia, but I haven't direct experience on this subject in this 100% white nation. I think there is very little experience here in meeting black people, as they have only been free of the ex Soviet Union for 11 years. I know there is no prejudice against Hispanic peoples," said one person in Tallinn.

What are the schools in Estonia like?

"I would encourage anyone considering bring their kids to Estonia to visit the school and see them in action. It is a great little school with a faculty that cares," wrote an expat with kids at International School of Estonia in Tallinn.

"The International School of Estonia (ISE) is one of the best international schools in Estonia. Located in Tallinn, ISE offers a comprehensive education for students from pre-school to grade 12. The school follows the International Baccalaureate (IB) curriculum, which is designed to develop students’ critical thinking and problem-solving skills. ISE also offers a range of extracurricular activities, such as sports, music, and art. The British School of Tallinn is another excellent international school in Estonia. The school follows the National Curriculum of England and Wales, and offers a range of extracurricular activities, such as sports, music, and art. The school also offers a range of language courses, including English, French, and Spanish. The International School of Tartu is a bilingual school in Estonia. The school follows the International Baccalaureate (IB) curriculum, and offers a range of extracurricular activities, such as sports, music, and art. The school also offers a range of language courses, including English, French, and Spanish. The International School of Estonia is a great choice for international students looking for a quality education in Estonia. The school offers a comprehensive education for students from pre-school to grade 12, and follows the International Baccalaureate (IB) curriculum. The school also offers a range of extracurricular activities, such as sports, music, and art," commented one expat when asked about in Estonia.

About the Author

Betsy Burlingame Betsy Burlingame is the Founder and President of Expat Exchange and is one of the Founders of Digital Nomad Exchange. She launched Expat Exchange in 1997 as her Master's thesis project at NYU. Prior to Expat Exchange, Betsy worked at AT&T in International and Mass Market Marketing. She graduated from Ohio Wesleyan University with a BA in International Business and German.

Some of Betsy's articles include 12 Best Places to Live in Portugal, 7 Best Places to Live in Panama and 12 Things to Know Before Moving to the Dominican Republic. Betsy loves to travel and spend time with her family. Connect with Betsy on LinkedIn.

City Center Tartu, Estonia

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