Last update: Oct 2026

Cost of Living Comparison Between Frankfurt and Hamm

For one person, living is cheaper in Hamm: $1,475 a month against $2,510 in Frankfurt, rent and utilities included – about $12,400 less a year. Rent and utilities account for most of the difference.

121

Cost of Living Index in Frankfurt
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Frankfurt Living Index
71

Cost of Living Index in Hamm
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Hamm Living Index

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Frankfurt

🇩🇪 Germany

$2,510

/mo nomad

Hamm

🇩🇪 Germany

$1,475

/mo nomad

Monthly Cost of Living

How much you'll spend in Frankfurt and in Hamm

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Frankfurt and in Hamm actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,510 in Frankfurt versus $1,475 in Hamm.

Frankfurt $2,510
Hamm $1,475

Estimated couple costs with rent: $3,732 in Frankfurt versus $2,214 in Hamm.

Frankfurt $3,732
Hamm $2,214

Monthly costs for a family of three with rent: $4,954 in Frankfurt versus $2,954 in Hamm.

Frankfurt $4,954
Hamm $2,954

Living in Frankfurt is roughly 70% more expensive than in Hamm, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Frankfurt 84% above, Hamm 8% above.

Meal at Budget Restaurant

$16.83 €15.07

$13.36 €11.96

25.97%

Three-Course Dinner for Two, Mid-Range

$88.1 €78.9

$67.1 €60.1

31.24%

Fast Food Meal (McDonalds, etc)

$13.28 €11.90

$17.82 €15.96

-25.48%

Cappuccino

$4.54 €4.06

$4.35 €3.89

4.37%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$3.68 €3.29

$2.71 €2.42

35.79%

Water (0.33 liter bottle)

$3.61 €3.24

$2.38 €2.13

51.68%

Local Beer (0.5 liter draught)

$5.71 €5.11

$2.77 €2.48

106.14%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$4.01 €3.59

43.14%

Milk (1 liter)

$1.31 €1.17

$1.25 €1.12

4.80%

White Bread (500g)

$2.20 €1.97

$2.02 €1.81

8.91%

Rice (white) (1kg)

$3.09 €2.77

$3.80 €3.40

-18.68%

Eggs

$3.65 €3.27

$3.39 €3.03

7.67%

Local Cheese (1kg)

$13.55 €12.14

$14.53 €13.01

-6.74%

Chicken Fillets (1kg)

$11.86 €10.62

$10.39 €9.31

14.15%

Beef Round Steak (1kg)

$21.79 €19.52

$24.98 €22.37

-12.77%

Apples (1kg)

$3.10 €2.78

$3.42 €3.06

-9.36%

Banana (1kg)

$2.09 €1.87

$2.24 €2.01

-6.70%

Oranges (1kg)

$1.94 €1.74

$2.30 €2.06

-15.65%

Tomato (1kg)

$3.83 €3.43

$4.15 €3.71

-7.71%

Potato (1kg)

$1.78 €1.59

$1.46 €1.31

21.92%

Onion (1kg)

$1.86 €1.66

$1.20 €1.08

55.00%

Lettuce (1 head)

$1.57 €1.40

$1.79 €1.60

-12.29%

Water (1.5 liter bottle)

$1.05 €0.94

$1.06 €0.95

-0.94%

Cigarettes 20 Pack (Marlboro, Camel)

$9.49 €8.50

$8.95 €8.02

6.03%

Wine (Bottle)

$5.61 €5.03

$6.55 €5.87

-14.35%

Local Beer (0.5 liter bottle)

$1.12 €1.00

$1.07 €0.96

4.67%

Imported Beer (0.33 liter bottle)

$1.45 €1.30

$1.40 €1.25

3.57%

One-way Ticket (Public Transport)

$4.29 €3.85

$3.20 €2.87

34.06%

Public Transport Monthly Pass (Regular Price)

$69.3 €62.1

$61.3 €54.9

13.16%

Taxi Start (Normal Tariff)

$4.42 €3.96

$5.05 €4.52

-12.48%

Taxi (Normal Tariff) (1km)

$2.27 €2.03

$2.22 €1.99

2.25%

Taxi 1hour Waiting (Normal Tariff)

$23.89 €21.40

$33.01 €29.56

-27.63%

Gasoline (1 liter)

$2.22 €1.99

$2.15 €1.93

3.26%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$33.7K €30.2K

$32.2K €28.9K

4.50%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$39.2K €35.1K

$37.3K €33.4K

4.96%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$385 €345

$465 €416

-17.16%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$19.76 €17.70

$25.78 €23.08

-23.35%

Internet (50+ Mbps, Unlimited Data)

$46.58 €41.72

$40.16 €35.96

15.99%

Gym Membership (Monthly)

$63.4 €56.8

$28.47 €25.50

122.55%

Tennis Court (1 Hour on Weekend)

$29.55 €26.46

Cinema Ticket

$16.84 €15.08

$13.25 €11.86

27.09%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$1,097 €982

$169 €151

548.55%

International Primary School, 1 Child (Yearly)

$22.6K €20.2K

$25.7K €23.0K

-12.07%

Jeans (Levis 501 Or Similar)

$86.3 €77.3

$97.9 €87.6

-11.78%

Summer Dress (H&M, Zara, etc)

$33.24 €29.77

$48.25 €43.21

-31.11%

Sport Shoes (Adidas, Nike)

$82.5 €73.8

$111 €99.2

-25.59%

Men's Leather Business Shoes

$108 €96.5

$197 €177

-45.43%

1-bedroom Apartment, City Center (Monthly)

$1,418 €1,270

1-bedroom Apartment, Outside City Center (Monthly)

$1,092 €978

3-bedroom Apartment, City Center (Monthly)

$2,713 €2,429

3-bedroom Apartment, Outside City Center (Monthly)

$1,920 €1,719

Buy Apartment in City Center (m2)

$7,738 €6,930

Buy Apartment Outside City Center (m2)

$4,482 €4,014

Average Monthly Net Salary (After Tax)

$4,024 €3,604

$2,082 €1,865

93.30%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.64

3.96

-8.08%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Frankfurt: October 26, 2026

Last update for Hamm: October 25, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Frankfurt

$1.1K 43.5%

Hamm

- * 0% 100%

Monthly Utilities & Internet

Frankfurt

$451 18%

Hamm

$531 36% 17.6% $79

Groceries & Markets

Frankfurt

$330 13.2%

Hamm

$340 23.1% 3.1% $10

Eating Out

Frankfurt

$298 11.9%

Hamm

$255 17.3% 14.6% $43

Clothing & Footwear

Frankfurt

$139 5.6%

Hamm

$204 13.9% 46.7% $65

Getting Around

Frankfurt

$102 4.1%

Hamm

$90 6.1% 11.8% $12

Sport & Entertainment

Frankfurt

$97 3.9%

Hamm

$55 3.7% 43.4% $42

Categories marked with * are only partly priced – their share counts the items that do have prices.

Cost Breakdown

Frankfurt pays 93% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $88 in Frankfurt vs $67 in Hamm. Groceries flip the comparison at $330 vs $340, with Frankfurt cheaper for home cooking.

Good to know

🇩🇪 Frankfurt

🇩🇪 Hamm

🕒 Local time

20:39 8:39 PM

Same time as Frankfurt

🌤 Weather

👥 Population

701,350

180,000

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Frankfurt vs Hamm: Cost of Living - Frequently Asked Questions

Hamm is about 41% cheaper overall, especially in eating out, leisure, and transport. That difference adds up to real monthly savings that compound significantly over time.

Average pay runs 93% higher in Frankfurt, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Dining out is cheaper in Hamm – a meal for two runs $67 versus $88 in Frankfurt. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you’ll spend $2,510 per month in Frankfurt versus $1,475 in Hamm – Hamm is about 41% cheaper, which adds up to real savings over time.

At $1,475 in Hamm versus $2,510 in Frankfurt, a $2,000 budget is realistic in Hamm but tight or insufficient in Frankfurt. The gap between the two cities makes Hamm the clear choice for anyone on this budget.

Both cities offer a good standard of living with different trade-offs. Neither is objectively better – the right pick depends on what matters most: affordability, career, cultural scene, or climate.

Safety-wise, Frankfurt and Hamm are both considered safe, so it’s unlikely to be the deciding factor between them.

It comes down to priorities – Hamm wins on affordability, Frankfurt on earning potential. Factor in climate, language, visa rules, and proximity to places that matter to you before deciding.