Cost of Living Comparison Between Hamburg and Osnabruck Cost of Living Comparison Between Hamburg and Osnabruck

Monthly Cost of Living

A single person spends $2,379 per month in Hamburg vs $1,979 in Osnabruck, rent included.

A couple spends around $3,568 per month in Hamburg vs $2,955 in Osnabruck, rent included.

A family of three spends $4,757 per month in Hamburg vs $3,930 in Osnabruck, rent included.

Hamburg costs about 20% more than Osnabruck, driven mainly by Eating Out.

Both Hamburg and Osnabruck sit above the global median – Hamburg by 74%, Osnabruck by 45%.

Meal at Budget Restaurant

$17.00 €14.82

$13.27 €11.56

28.11%

Three-Course Dinner for Two, Mid-Range

$70.5 €61.4

$82.0 €71.5

-14.03%

Fast Food Meal (McDonalds, etc)

$13.90 €12.12

$10.07 €8.78

38.03%

Cappuccino

$4.80 €4.18

$3.75 €3.27

28.00%

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

$4.16 €3.63

$3.50 €3.05

18.86%

Water (0.33 liter bottle)

$3.43 €2.99

$2.72 €2.37

26.10%

Local Beer (0.5 liter draught)

$5.88 €5.13

$5.17 €4.51

13.73%

Imported Beer (0.33 liter bottle)

$4.92 €4.29

$4.03 €3.51

22.08%

Milk (1 liter)

$1.24 €1.08

$1.38 €1.20

-10.14%

White Bread (500g)

$2.43 €2.12

$1.89 €1.65

28.57%

Rice (white) (1kg)

$3.13 €2.73

$3.66 €3.19

-14.48%

Eggs

$4.37 €3.81

$3.48 €3.03

25.57%

Local Cheese (1kg)

$12.80 €11.15

$13.28 €11.58

-3.61%

Chicken Fillets (1kg)

$12.49 €10.89

$10.88 €9.48

14.80%

Beef Round Steak (1kg)

$19.81 €17.27

$18.77 €16.36

5.54%

Apples (1kg)

$3.33 €2.90

$3.50 €3.05

-4.86%

Banana (1kg)

$2.41 €2.10

$1.95 €1.70

23.59%

Oranges (1kg)

$3.14 €2.73

$2.09 €1.83

50.24%

Tomato (1kg)

$4.13 €3.60

$4.01 €3.49

2.99%

Potato (1kg)

$1.92 €1.68

$1.45 €1.27

32.41%

Onion (1kg)

$1.90 €1.66

$1.22 €1.06

55.74%

Lettuce (1 head)

$1.78 €1.55

$1.69 €1.47

5.33%

Water (1.5 liter bottle)

$1.22 €1.06

$0.95 €0.83

28.42%

Cigarettes 20 Pack (Marlboro, Camel)

$10.31 €8.99

$10.14 €8.84

1.68%

Wine (Bottle)

$5.71 €4.98

Local Beer (0.5 liter bottle)

$1.21 €1.05

$1.02 €0.89

18.63%

Imported Beer (0.33 liter bottle)

$1.41 €1.23

$1.54 €1.35

-8.44%

One-way Ticket (Public Transport)

$4.45 €3.88

$4.03 €3.52

10.42%

Public Transport Monthly Pass (Regular Price)

$73.6 €64.2

$72.5 €63.2

1.55%

Taxi Start (Normal Tariff)

$7.10 €6.19

$3.06 €2.66

132.03%

Taxi (Normal Tariff) (1km)

$3.09 €2.70

$3.19 €2.78

-3.13%

Taxi 1hour Waiting (Normal Tariff)

$43.30 €37.74

$44.16 €38.49

-1.95%

Gasoline (1 liter)

$2.33 €2.03

$2.16 €1.89

7.87%

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

$34.1K €29.7K

$30.9K €26.9K

10.26%

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

$40.5K €35.3K

$39.9K €34.8K

1.71%

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

$386 €337

$285 €249

35.34%

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

$20.66 €18.01

$34.95 €30.47

-40.89%

Internet (50+ Mbps, Unlimited Data)

$40.09 €34.95

$36.92 €32.19

8.59%

Gym Membership (Monthly)

$44.73 €38.99

$46.26 €40.32

-3.31%

Tennis Court (1 Hour on Weekend)

$29.18 €25.44

Cinema Ticket

$16.13 €14.06

$13.78 €12.01

17.05%

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

$517 €450

$409 €356

26.37%

International Primary School, 1 Child (Yearly)

$14.2K €12.4K

$19.8K €17.3K

-28.50%

Jeans (Levis 501 Or Similar)

$83.8 €73.0

$104 €91.0

-19.78%

Summer Dress (H&M, Zara, etc)

$43.32 €37.76

$40.81 €35.57

6.15%

Sport Shoes (Adidas, Nike)

$98.0 €85.4

$90.7 €79.1

8.01%

Men's Leather Business Shoes

$117 €102

$110 €96.0

5.98%

1-bedroom Apartment, City Center (Monthly)

$1,364 €1,189

$649 €566

110.04%

1-bedroom Apartment, Outside City Center (Monthly)

$982 €856

$682 €594

44.15%

3-bedroom Apartment, City Center (Monthly)

$2,381 €2,076

$1,689 €1,472

40.97%

3-bedroom Apartment, Outside City Center (Monthly)

$1,705 €1,486

$1,232 €1,074

38.39%

Buy Apartment in City Center (m2)

$9,783 €8,528

$4,111 €3,583

137.99%

Buy Apartment Outside City Center (m2)

$5,278 €4,601

$3,495 €3,047

51.02%

Average Monthly Net Salary (After Tax)

$3,765 €3,282

$1,720 €1,499

118.88%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.63

3.96

-8.33%

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

Last update for Hamburg: September 12, 2026

Last update for Osnabruck: September 12, 2026

Cost Breakdown

A central one-bedroom costs $1,364 in Hamburg versus $649 in Osnabruck. 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 119% higher in Hamburg, which partly offsets the higher cost of living there. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $70.0 in Hamburg versus $82.0 in Osnabruck. Groceries tell a different story – $343 in Hamburg vs $314 in Osnabruck – so Osnabruck wins on supermarket bills even if dining out costs more.

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 Osnabruck: Cost of Living - Frequently Asked Questions

Hamburg costs about 20% more than Osnabruck, with the gap driven mainly by 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 $3,568 per month in Hamburg and $2,969 in Osnabruck. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Osnabruck, especially for central apartments. Housing is actually the single biggest factor behind the overall cost gap between these two cities.

Monthly expenses with rent come to $2,379 in Hamburg and $1,979 in Osnabruck. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 2% less in Osnabruck. For daily commuters, that gap adds up to noticeable savings over a year.

A $2,000 monthly budget goes further in Osnabruck, where all-in costs run around $1,979, than in Hamburg at $2,379. In Osnabruck it covers expenses comfortably, while in Hamburg it requires careful planning or may not stretch far enough.

For digital nomads, it depends on budget. Osnabruck costs $1,979 versus $2,379 in Hamburg. Both have workable remote work infrastructure, but the cost gap matters when income varies month to month.

Both have safer and rougher neighborhoods, but overall safety is comparable to other large cities. Neighborhood choice matters more than the city-level comparison – central, well-trafficked areas feel secure in both.

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