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Luxembourg City, Luxembourg: Cost of Living, Healthcare, Local Clubs and Activities, Healthcare and What to Know About Living in Luxembourg City | Expat Exchange
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Flower Market in Luxembourg City

Luxembourg City, Luxembourg

By Joshua Wood, LPC

Last updated on Mar 01, 2024

Summary: Luxembourg City, Luxembourg is often described as a vibrant, cosmopolitan city with a unique blend of cultures and languages. Expats love the city's high quality of life, its excellent public transportation system, and its proximity to other European countries. The weather in Luxembourg City is generally mild, with temperatures ranging from the mid-30s to the mid-60s Fahrenheit. The cost of living for an expat in Luxembourg City is generally high, with an average monthly cost of around $3,000 USD. The cost of a one bedroom apartment in Luxembourg City is typically around $1,500 USD per month, while a two bedroom apartment can cost up to $2,500 USD per month. The population of Luxembourg City is approximately 115,000 people.

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What do I need to know about living in Luxembourg City?

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

"When considering retirement in Luxembourg City it is important to understand the cost of living, the tax burden, the healthcare system, the availability of public transportation and the ease of access for expats. Additionally, it is advisable to research what types of visas or permits may be required, and if special accommodations need to be made for non-European Union citizens. It is also important to understand how Luxembourg City's cultural, historical and sports activities while also gaining knowledge on the political, social and economic aspects of the city's lifestyle. Finally, it is always helpful to familiarize oneself with the language of the area; many Luxembourgers are native French and German speakers, so having some familiarity with the local languages is helpful," wrote a member in Luxembourg City.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What do I need to know before moving to Luxembourg City?

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

"-When you plan to move to Luxembourg City, it is important to be aware of the immigration laws and regulations. -You will need to obtain a residence permit and/or a work permit to live and work in Luxembourg City depending on your nationality and type of employment. -You need to familiarize yourself with the Luxembourgish language, although English is widely spoken in the city. -It is suggested to research the job market and housing options beforehand in order to make a smooth transition. -A valid EU driver’s license is necessary to drive while in Luxembourg City, as well as a valid form of identification. -Assuming you are not moving as an employee with a company, you may need to open a bank account in Luxembourg City. -The quality of healthcare in Luxembourg is generally deemed to be good, so registering for health insurance is recommended. -It is important to note that many documents like a passport and/or visa might be requested as part of the entry process. -The climate in Luxembourg city is typical of Central Europe, with moderate temperatures in summer, and cold temperatures in winter," wrote one member in Luxembourg City.

How do I find a place to live in Luxembourg City?

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

"If you are looking for a place to live in Luxembourg City, you can start by searching online for rental websites or listings. There are various websites that list apartments for rent and you can use the search filters to help you find the type of accommodation that best suits your needs and budget. Your local municipality should also have listings for available rentable properties. Additionally, you can look for classifieds in newspapers, or reach out to real estate agents to inquire about more options. You may also want to consider student housing if you are a student. Finally, word of mouth can be a great way to find out about available rental options in the city," wrote a member in Luxembourg City.

What is a typical expat home or apartment like in Luxembourg City?

"Expat housing in Luxembourg City ranges from studio apartments to houses and villas depending on the size and budget of the expat. Most expat apartments come with modern furnishings, multiple bathrooms, and balconies with views of the city or the surrounding countryside. Additionally, many expat homes come with modern kitchen appliances such as dishwashers, washer-dryers, and ovens. Housing here is relatively expensive, making it difficult for single expats to find more affordable apartments. Nonetheless, the country offers an excellent quality of life with an abundance of cultural activities and friendly locals," remarked one expat living in Luxembourg City, Luxembourg.

What is the average cost of housing in Luxembourg City?

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

"The average cost of housing in Luxembourg City is generally higher than other cities in the country due to its location and the premium for its high quality of life. Prices for apartments can range from around 1,000 euros per square meter in outskirts, up to 3,500 euros per square meter for luxury apartments in the city centre," wrote one member in Luxembourg City.

How do I meet people in Luxembourg City?

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

"There are many ways to meet people in Luxembourg City. You can join clubs or organisations such as sports clubs, volunteer organisations, language clubs, or cultural and religious groups. You can also attend social events and meet-ups that may be listed on websites such as Meetup.com. Networking and attending events organised by business organisations, chambers of commerce and professional associations can also be great ways to meet people. Finally, you can also meet people in Luxembourg City’s many cafés, bars, and restaurants," explained one expat living in Luxembourg City, Luxembourg.

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William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

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What should I bring when moving to Luxembourg City?

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

"Clothing for all seasons, comfortable walking shoes, rain gear, toiletries, bedding, kitchen and bath items, phone and computer chargers, important documents, a first aid kit, any items necessary for a specific lifestyle (e.g. pet supplies, sports gear, etc.) and a selection of both local and international food items to get you started," wrote one member in Luxembourg City.

Where should I setup a bank account in Luxembourg City?

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

"To set up a bank account in Luxembourg City, you can choose from a variety of banks, including Banque de Luxembourg, Caisse d’Epargne Luxembourg, BNP Paribas Luxembourg, BCL Banque et Caisse d’Epargne, and Avaloq Luxembourg. Each bank offers a range of options to choose from, and most of them provide services in both English and French. Before establishing your account, it is important to explore the different features, fees, and services available. Additionally, each bank will have their own process for setting up an account, which could include digital registration and a personal visit, so be sure to read each banks’ terms and conditions carefully," wrote a member in Luxembourg City.

Will I be able to find a job in Luxembourg City?

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

"Yes, it is possible to find a job in Luxembourg City. The city is an important international business center, and it is home to many multinational companies, as well as a large number of European Union institutions. With its well-developed infrastructure, clean environment, and competitive salaries, Luxembourg City is an attractive destination for job seekers looking for work in Europe. Additionally, the city boasts one of the highest per capita GDPs in the world, making it an appealing place to find a job," said one expat in Luxembourg City.

What is life like in Luxembourg City?

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

"Living in Luxembourg City as an expat or digital nomad can be an exciting and rewarding experience. The city is a vibrant and cosmopolitan hub, with a diverse population of locals, expats, and digital nomads. The city is well-connected, with excellent public transportation, and is home to a wide range of cultural attractions, restaurants, and nightlife. Expats and digital nomads can find plenty of opportunities to network and socialize, as well as plenty of coworking spaces and other resources to help them stay productive. The cost of living in Luxembourg City is relatively high, but the city offers a high quality of life, with plenty of green spaces, parks, and outdoor activities," remarked one expat who made the move to Luxembourg City.

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SJB-Global is a top-rated financial advisory firm specializing in expat financial advice worldwide, offering retirement planning & tax-efficient solutions with a regressive fee model. Our clients benefit from their country’s most favorable tax environment by utilizing the efficient investment vehicles we offer. Our commitment to quality service is reflected in our stellar reviews, with over 300 testimonials boasting 95% five-star ratings.

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What do expats in Luxembourg City appreciate most about the local culture?

"We truly appreciate how kind people are here! That really surprised us. For the most part, people are very helpful and considerate. We love that it's a small country and that they take very good care of their people. The medical system is really good. The cost for all public transportation within all of Luxembourg is only 45euros for a monthly pass which to us is very reasonable. Students can purchase an annual, all access pass for a little more. The very first thing we noticed was how quiet it is here, even in the city. It's a very clean and neat country. It's fairly safe here too. We love the diversity of cultures that have merged here," wrote a member in Luxembourg City.

"Expats in Luxembourg City often appreciate the city’s mix of cultures and languages, as well as the cultural diversity of its population. Expats also appreciate the welcoming nature of Luxembourg’s locals, along with their willingness to assist newcomers in learning to fit in more seamlessly. Luxembourg also offers excellent public transport, which makes navigating the different areas of the city easier. Additionally, locals are known for their unusual appreciation of quality and creativity in many areas, from locally-produced food, to fashion, music, and artwork," commented one expat who made the move to Luxembourg City.

What do expats find most challenging?

"The biggest challenge we faced was trying to figure out how to shop and save money! In the beginning, our grocery budget doubled! Everything is VERY expensive here! New friends have helped us find the good and affordable ways to shop by going to Germany, France and Belgium on a regular basis. It's pretty cheap to take the train or bus. We go to Germany several times a month for everything from our washer (delivered and installed), to clothes, food and most recently Christmas gifts. We use Ikea in Beligum as well which is literally just over the border. Our country is so small, that within about 30 minutes in any direction, we can be in another country--so cool! Shopping outside of Luxembourg is the most common and widely shared "secret" to saving money," remarked one expat who made the move to Luxembourg City.

"Expats often find adjusting to the local customs and culture, language barriers, and financial issues to be the most challenging aspects of living abroad. Making new friends, managing homesickness, and dealing with bureaucratic systems can also be difficult. Additionally, expats may experience difficulty adjusting to a different climate and missing familiar food," explained one expat living in Luxembourg City, Luxembourg.

Is there a lot of crime in Luxembourg City?

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

"Luxembourg City has an exceptionally low rate of crime. This was stated in a 2016 survey which ranked Luxembourg City as the second safest city in Europe with just 9 reported crimes per 1,000 people. Despite its tiny size, Luxembourg City is renowned for its security and stability as a result of a strong economy, low rates of corruption and a high quality of living," explained one expat living in Luxembourg City, Luxembourg.

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

"Luxembourg City is a very diverse city, with over 170 nationalities represented in its population. Residents come from the Grand Duchy of Luxembourg, from neighbouring countries, from neighbouring EU countries, and from further away. People are generally accepting of differences in Luxembourg City, since cultural diversity and being open to other cultures has long been part of the country's history," wrote a member in Luxembourg City.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What are the schools in Luxembourg City like?

"In Luxembourg City schools offer a rigorous curriculum to meet the demands of the high standards of the Luxembourg educational system. Students are well prepared for post-secondary education and the world of work. Education in the city follows the nationally prescribed curriculum, starting with kindergarten, progressing to primary and secondary school in three distinct stages. Secondary education is offered in a variety of specialized and vocational tracks. All students study a core curriculum of math, science, languages, history, and physical education. English is taught as a second language, and French and German are both national languages. There is a well-developed international school offering instruction in English. Additionally, Luxembourg City boasts a host of private institutions for students of all backgrounds, including Montessori schools, religious academies, arts schools, language schools, and more," commented one expat when asked about in Luxembourg City.

"Starting a new school is scary, but everyone in this school has been new at one time. I was so impressed with how accepting, mature and driven all the kids were. Truly impressive," remarked one expat living in Luxembourg City with children attending International School of Luxembourg.

What are the pros and cons of living in Luxembourg City?

Expats, digital nomads and retirees living in Luxembourg City responded:

"Expats and digital nomads generally like living in Luxembourg City for its high standard of living, safety, and cleanliness. They appreciate the city's rich history, beautiful architecture, and numerous green spaces. Luxembourg City is also known for its multicultural environment, with a large expat community and locals who are often multilingual, making it easier for newcomers to adapt and make friends. The city's central location in Europe is another advantage, as it allows for easy travel to neighboring countries like France, Germany, and Belgium. The public transportation system is efficient and affordable, making it convenient for expats and digital nomads to get around. However, there are some aspects of living in Luxembourg City that expats and digital nomads may dislike. The cost of living is quite high, particularly when it comes to housing, which can be a challenge for those on a tight budget. The job market can also be competitive, especially for those who do not speak the local languages. The weather in Luxembourg City can be unpredictable, with cold winters and rainy days throughout the year, which may not be appealing to everyone. Additionally, some expats and digital nomads may find the city to be relatively small and quiet, with limited nightlife and entertainment options compared to larger European cities. In summary, Luxembourg City offers a high quality of life, safety, and a multicultural environment, but it also comes with a high cost of living and a competitive job market. The city's size and weather may also be less appealing to some expats and digital nomads," mentioned one expat inLuxembourg City.

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William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

William RussellWilliam Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.
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What type of social life can someone expect in Luxembourg City?

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

"Expats, retirees, and digital nomads living in Luxembourg City typically enjoy a vibrant and diverse social life. They often connect with fellow expats and locals through various clubs, associations, and social events. Language exchange groups, sports clubs, and cultural events provide opportunities to meet new people and make friends. Networking events and business meetups cater to professionals looking to expand their connections. Additionally, the city's lively restaurant and bar scene offers a chance to socialize and unwind with friends and colleagues. Luxembourg City's multicultural environment and welcoming atmosphere make it easy for expats, retirees, and digital nomads to build a fulfilling social life," remarked one expat living in Luxembourg City.

"The social scene in Luxembourg City is diverse, vibrant, and cosmopolitan, reflecting the city's status as a melting pot of cultures and nationalities. The city offers a wide range of social activities, including numerous bars, clubs, and restaurants that cater to various tastes and preferences. Luxembourg City is also known for its lively arts and culture scene, with numerous galleries, museums, and theaters hosting events and performances throughout the year. The city's historic center, with its picturesque streets and squares, is a popular gathering spot for both locals and tourists, offering a relaxed atmosphere for socializing and enjoying the city's charm. The Grund and Clausen districts are particularly popular for their lively nightlife, with a mix of trendy bars, clubs, and live music venues. Luxembourg City also hosts several annual events and festivals that attract large crowds and create a festive atmosphere, such as the National Day celebrations, the Schueberfouer funfair, and the Christmas markets. These events provide excellent opportunities for socializing and enjoying the city's unique blend of tradition and modernity. Outdoor enthusiasts can also enjoy the city's numerous parks and green spaces, which provide a perfect setting for picnics, sports, and leisurely strolls. The city's location along the Alzette and Pétrusse rivers also offers opportunities for socializing while enjoying scenic views and outdoor activities. Overall, Luxembourg City's social scene is characterized by its multiculturalism, rich cultural offerings, and lively atmosphere, making it an attractive destination for those looking to experience a unique blend of European cultures and traditions," remarked one expat living in Luxembourg City.

What advice to expats in Luxembourg City have about housing?

"Expats in Luxembourg City advise newcomers to start their housing search early, as the rental market can be quite competitive. They recommend exploring different neighborhoods to find the one that best suits your lifestyle and budget. Some popular areas for expats include Kirchberg, Limpertsberg, and Belair. It's essential to have a clear understanding of your housing needs, such as the size, type of property, and proximity to work or schools. Expats suggest using online platforms, local newspapers, and real estate agencies to find available properties. Engaging a real estate agent can be helpful, as they have extensive knowledge of the local market and can assist with the rental process. When renting a property, expats should be prepared to provide proof of income, identification, and a security deposit, which is typically equivalent to one to three months' rent. It's also important to carefully review the rental contract and be aware of any additional costs, such as utility bills and maintenance fees. Expats also advise considering the option of sharing an apartment or house with other people, as this can significantly reduce living expenses. Additionally, they recommend being open to living in nearby towns or villages outside of Luxembourg City, as these areas often offer more affordable and spacious housing options. Lastly, expats emphasize the importance of networking with other expats and locals, as word-of-mouth can sometimes lead to great housing opportunities that may not be advertised publicly," said an expat in Luxembourg City.

What are medical services in Luxembourg City like?

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

"Medical services in Luxembourg City are of high quality, with well-equipped hospitals, clinics, and healthcare centers. The city has both public and private healthcare facilities, offering a wide range of services, including general practitioners, specialists, and emergency care. Healthcare professionals are highly trained, and many of them speak multiple languages, including English. The healthcare system in Luxembourg is funded through a social security system, which covers most medical expenses for residents. Private health insurance is also available for additional coverage. Pharmacies are easily accessible throughout the city, and many are open 24 hours for emergencies. Overall, Luxembourg City provides excellent medical services to its residents and visitors," mentioned one expat inLuxembourg City.

Are healthcare and health insurance expensive in Luxembourg City?

"Healthcare and health insurance in Luxembourg City, can be considered relatively expensive, especially for expats and non-residents. The country has a high standard of living, which contributes to the overall cost of healthcare services. However, residents and employees in Luxembourg benefit from a comprehensive social security system that covers a significant portion of medical expenses, making healthcare more affordable for them. Private health insurance is also available, which can be costly but offers additional coverage and faster access to specialists and private hospitals. Overall, while healthcare and health insurance can be expensive in Luxembourg City, the quality of care and coverage provided by the social security system help to offset these costs for residents," said one expat.

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

William Russell

William Russell's private medical insurance will cover you and your family wherever you may be. Whether you need primary care or complex surgery, you'll have access to the best hospitals & doctors available. Unlike some insurers, we also include medical evacuation and mental health cover in our plans (except SilverLite). Get a quote from our partner, William Russell.

Learn MoreGet Quote

Why do people move to Luxembourg City?

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

"Expats are attracted to Luxembourg City for various reasons, including its high standard of living, strong economy, and excellent job opportunities, particularly in the finance and technology sectors. The city is known for its multicultural environment, with a large percentage of the population being foreign nationals, making it easier for expats to integrate and feel at home. Luxembourg City also offers a high-quality education system, with numerous international schools catering to different nationalities and languages. The city's strategic location in the heart of Europe allows for easy travel to neighboring countries, such as France, Germany, and Belgium, making it an ideal base for exploring the continent. Luxembourg City boasts a rich cultural scene, with numerous museums, galleries, and theaters, as well as a vibrant dining scene featuring diverse international cuisine. Luxembourg City is also known for its safety and cleanliness, making it an attractive place for families to settle down. The city offers a wide range of outdoor activities, such as hiking and cycling, thanks to its picturesque landscapes and well-maintained parks and green spaces. Additionally, the country's healthcare system is highly regarded, providing residents with access to top-quality medical care. Finally, the attractive tax system in Luxembourg is another factor that draws expats to the city, as it offers favorable conditions for both individuals and businesses. Overall, Luxembourg City's combination of economic stability, high quality of life, and diverse cultural offerings make it an appealing destination for expats from around the world," mentioned an expat living in Luxembourg City.

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.

Flower Market in Luxembourg City

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