Last update: Nov 2026

Cost of Living Comparison Between Hamburg and Gummersbach

For one person, living is cheaper in Gummersbach: $1,819 a month against $2,364 in Hamburg, rent and utilities included – about $6,500 less a year. Rent and utilities account for most of the difference.

113

Cost of Living Index in Hamburg
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Hamburg Living Index
87

Cost of Living Index in Gummersbach
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Gummersbach Living Index

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Hamburg

🇩🇪 Germany

$2,364

/mo nomad

Gummersbach

🇩🇪 Germany

$1,819

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamburg and in Gummersbach

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

A single person spends $2,364 per month in Hamburg vs $1,819 in Gummersbach, rent included.

Hamburg $2,364
Gummersbach $1,819

A couple spends around $3,490 per month in Hamburg vs $2,756 in Gummersbach, rent included.

Hamburg $3,490
Gummersbach $2,756

A family of three spends $4,615 per month in Hamburg vs $3,693 in Gummersbach, rent included.

Hamburg $4,615
Gummersbach $3,693

Hamburg costs about 30% more than Gummersbach, and outside of rent the biggest gap is in eating out.

Both Hamburg and Gummersbach sit above the global median – Hamburg by 75%, Gummersbach by 35%.

Meal at Budget Restaurant

$18.17 €16.14

$16.63 €14.77

9.26%

Three-Course Dinner for Two, Mid-Range

$71.6 €63.6

$68.2 €60.5

5.02%

Fast Food Meal (McDonalds, etc)

$13.50 €11.99

$9.60 €8.52

40.63%

Cappuccino

$4.55 €4.04

$3.84 €3.41

18.49%

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

$4.10 €3.64

$2.51 €2.23

63.35%

Water (0.33 liter bottle)

$3.33 €2.96

$1.66 €1.47

100.60%

Local Beer (0.5 liter draught)

$5.56 €4.94

$2.58 €2.29

115.50%

Imported Beer (0.33 liter bottle)

$5.06 €4.50

$3.01 €2.67

68.11%

Milk (1 liter)

$1.23 €1.09

$1.17 €1.04

5.13%

White Bread (500g)

$2.70 €2.40

$1.90 €1.69

42.11%

Rice (white) (1kg)

$2.87 €2.55

$3.83 €3.40

-25.07%

Eggs

$4.35 €3.87

$2.93 €2.60

48.46%

Local Cheese (1kg)

$12.37 €10.99

$12.93 €11.49

-4.33%

Chicken Fillets (1kg)

$11.82 €10.50

$11.30 €10.04

4.60%

Beef Round Steak (1kg)

$18.72 €16.63

$23.12 €20.54

-19.03%

Apples (1kg)

$3.19 €2.84

$2.25 €2.00

41.78%

Banana (1kg)

$2.30 €2.04

$2.14 €1.90

7.48%

Oranges (1kg)

$2.98 €2.65

$2.11 €1.87

41.23%

Tomato (1kg)

$4.05 €3.60

$4.11 €3.65

-1.46%

Potato (1kg)

$1.89 €1.68

$1.24 €1.10

52.42%

Onion (1kg)

$1.74 €1.55

$1.58 €1.40

10.13%

Lettuce (1 head)

$1.71 €1.52

$0.74 €0.66

131.08%

Water (1.5 liter bottle)

$1.23 €1.09

$0.51 €0.46

141.18%

Cigarettes 20 Pack (Marlboro, Camel)

$10.36 €9.20

$9.84 €8.74

5.28%

Wine (Bottle)

$6.55 €5.81

$6.57 €5.84

-0.30%

Local Beer (0.5 liter bottle)

$1.18 €1.05

$1.04 €0.92

13.46%

Imported Beer (0.33 liter bottle)

$1.50 €1.33

$1.63 €1.44

-7.98%

One-way Ticket (Public Transport)

$4.29 €3.82

$3.38 €3.01

26.92%

Public Transport Monthly Pass (Regular Price)

$71.5 €63.5

$63.3 €56.2

12.93%

Taxi Start (Normal Tariff)

$5.41 €4.80

$8.67 €7.70

-37.60%

Taxi (Normal Tariff) (1km)

$3.07 €2.73

$3.33 €2.96

-7.81%

Taxi 1hour Waiting (Normal Tariff)

$41.82 €37.15

$49.18 €43.68

-14.97%

Gasoline (1 liter)

$2.27 €2.01

$1.98 €1.75

14.65%

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

$33.6K €29.9K

$33.3K €29.6K

0.92%

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

$38.0K €33.8K

$36.9K €32.7K

3.10%

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

$401 €356

$258 €229

55.73%

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

$19.94 €17.71

$31.29 €27.80

-36.27%

Internet (50+ Mbps, Unlimited Data)

$38.88 €34.54

$50.7 €45.07

-23.37%

Gym Membership (Monthly)

$42.28 €37.56

$38.94 €34.59

8.58%

Tennis Court (1 Hour on Weekend)

$28.73 €25.52

$26.06 €23.14

10.25%

Cinema Ticket

$16.16 €14.36

$6.78 €6.02

138.35%

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

$512 €455

$375 €333

36.51%

International Primary School, 1 Child (Yearly)

$18.3K €16.3K

$16.8K €14.9K

9.27%

Jeans (Levis 501 Or Similar)

$85.1 €75.6

$67.8 €60.2

25.51%

Summer Dress (H&M, Zara, etc)

$35.94 €31.93

$18.68 €16.59

92.40%

Sport Shoes (Adidas, Nike)

$105 €93.4

$86.6 €76.9

21.47%

Men's Leather Business Shoes

$118 €105

$70.3 €62.5

67.83%

1-bedroom Apartment, City Center (Monthly)

$1,242 €1,103

$530 €470

134.58%

1-bedroom Apartment, Outside City Center (Monthly)

$922 €819

$659 €586

39.86%

3-bedroom Apartment, City Center (Monthly)

$2,193 €1,948

$749 €666

192.68%

3-bedroom Apartment, Outside City Center (Monthly)

$1,621 €1,440

$1,152 €1,023

40.69%

Buy Apartment in City Center (m2)

$9,428 €8,375

$2,199 €1,953

328.73%

Buy Apartment Outside City Center (m2)

$5,259 €4,672

$1,928 €1,713

172.72%

Average Monthly Net Salary (After Tax)

$3,680 €3,269

$2,092 €1,858

75.95%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.75

3.95

-5.06%

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

Last update for Hamburg: November 1, 2026

Last update for Gummersbach: November 2, 2026

Monthly budget structure

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

Accommodation & Living

Hamburg

$922 39%

Gummersbach

$659 36.2% 28.5% $263

Monthly Utilities & Internet

Hamburg

$460 19.5%

Gummersbach

$340 18.7% 26.2% $120

Groceries & Markets

Hamburg

$335 14.2%

Gummersbach

$313 17.2% 6.6% $22

Eating Out

Hamburg

$308 13%

Gummersbach

$244 13.4% 21% $65

Clothing & Footwear

Hamburg

$155 6.6%

Gummersbach

$110 6% 29.3% $45

Getting Around

Hamburg

$109 4.6%

Gummersbach

$102 5.6% 6.6% $7.3

Sport & Entertainment

Hamburg

$75 3.2%

Gummersbach

$53 2.9% 29.6% $22

Cost Breakdown

A central one-bedroom costs $1,242 in Hamburg versus $530 in Gummersbach. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries run about 76% higher in Hamburg. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $72 in Hamburg versus $68 in Gummersbach. Monthly groceries follow the same trend: $335 vs $313 – making Gummersbach the more affordable choice for daily food spending.

Good to know

🇩🇪 Hamburg

🇩🇪 Gummersbach

🕒 Local time

01:56 1:56 AM

Same time as Hamburg

🌤 Weather

👥 Population

1,812,709

53,183

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.13 USD

Exchange rates and currency converter

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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

Hamburg vs Gummersbach: Cost of Living - Frequently Asked Questions

Hamburg costs about 30% more than Gummersbach, and outside of rent the gap comes mainly from eating out. That’s enough to noticeably affect everyday spending and lifestyle for anyone choosing between the two.

For a comfortable life, plan on about $3,546 per month in Hamburg and $2,729 in Gummersbach. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Gummersbach, especially for central apartments: a one-bedroom in the center costs $530 there versus $1,242 in Hamburg.

A mid-range dinner for two costs $72 in Hamburg and $68 in Gummersbach. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $2,364 in Hamburg and $1,819 in Gummersbach. That makes Gummersbach about 23% cheaper.

Families tend to lean toward Gummersbach – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Gummersbach. If higher salaries or specific career opportunities are the priority, Hamburg makes more sense. Both are solid long-term options with distinct trade-offs.