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

Monthly Cost of Living

A single person spends $2,453 per month in Hamburg vs $1,754 in Osnabruck, rent included.

A couple spends around $3,776 per month in Hamburg vs $2,828 in Osnabruck, rent included.

A family of three spends $5,099 per month in Hamburg vs $3,902 in Osnabruck, rent included.

Hamburg costs about 40% more than Osnabruck, driven mainly by Eating Out.

Both Hamburg and Osnabruck sit above the global median – Hamburg by 84%, Osnabruck by 32%.

Meal at Budget Restaurant

$19.89 €17.23

$12.03 €10.42

65.34%

Three-Course Dinner for Two, Mid-Range

$93.0 €80.5

$69.3 €60.0

34.24%

Fast Food Meal (McDonalds, etc)

$14.12 €12.22

$9.37 €8.12

50.69%

Cappuccino

$4.64 €4.02

$3.62 €3.14

28.18%

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

$3.58 €3.10

$3.37 €2.92

6.23%

Water (0.33 liter bottle)

$3.10 €2.69

$2.76 €2.39

12.32%

Local Beer (0.5 liter draught)

$5.92 €5.13

$5.31 €4.60

11.49%

Imported Beer (0.33 liter bottle)

$5.55 €4.80

$4.45 €3.85

24.72%

Milk (1 liter)

$1.42 €1.23

$1.16 €1.00

22.41%

White Bread (500g)

$2.17 €1.88

$2.35 €2.03

-7.66%

Rice (white) (1kg)

$3.42 €2.96

$3.81 €3.30

-10.24%

Eggs

$3.72 €3.22

$3.91 €3.39

-4.86%

Local Cheese (1kg)

$14.25 €12.34

$15.18 €13.15

-6.13%

Chicken Fillets (1kg)

$13.26 €11.49

$14.81 €12.83

-10.47%

Beef Round Steak (1kg)

$21.35 €18.49

$19.09 €16.53

11.84%

Apples (1kg)

$3.37 €2.92

$3.31 €2.87

1.81%

Banana (1kg)

$2.15 €1.86

$1.67 €1.45

28.74%

Oranges (1kg)

$2.32 €2.01

$2.33 €2.01

-0.43%

Tomato (1kg)

$4.63 €4.01

$4.92 €4.26

-5.89%

Potato (1kg)

$1.63 €1.41

$1.57 €1.36

3.82%

Onion (1kg)

$1.56 €1.35

$1.65 €1.43

-5.45%

Lettuce (1 head)

$2.06 €1.79

$1.95 €1.69

5.64%

Water (1.5 liter bottle)

$1.05 €0.91

$1.24 €1.08

-15.32%

Cigarettes 20 Pack (Marlboro, Camel)

$9.59 €8.30

$10.25 €8.87

-6.44%

Wine (Bottle)

$6.36 €5.51

$5.59 €4.84

13.77%

Local Beer (0.5 liter bottle)

$1.09 €0.95

$1.04 €0.90

4.81%

Imported Beer (0.33 liter bottle)

$1.59 €1.38

One-way Ticket (Public Transport)

$4.02 €3.49

$3.35 €2.90

20.00%

Public Transport Monthly Pass (Regular Price)

$66.4 €57.5

$54.9 €47.51

21.11%

Taxi Start (Normal Tariff)

$6.98 €6.04

$4.99 €4.32

39.88%

Taxi (Normal Tariff) (1km)

$2.78 €2.41

$2.12 €1.83

31.13%

Taxi 1hour Waiting (Normal Tariff)

$43.41 €37.59

$27.49 €23.81

57.91%

Gasoline (1 liter)

$2.04 €1.77

$1.97 €1.71

3.55%

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

$31.6K €27.4K

$31.2K €27.0K

1.33%

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

$39.4K €34.1K

$40.7K €35.3K

-3.28%

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

$374 €323

$235 €203

59.17%

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

$21.63 €18.73

$46.35 €40.14

-53.33%

Internet (50+ Mbps, Unlimited Data)

$38.40 €33.26

$55.9 €48.42

-31.33%

Gym Membership (Monthly)

$47.20 €40.88

$34.91 €30.23

35.20%

Tennis Court (1 Hour on Weekend)

$24.12 €20.89

$26.50 €22.95

-8.98%

Cinema Ticket

$15.99 €13.85

$13.91 €12.05

14.95%

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

$260 €225

$252 €218

2.99%

International Primary School, 1 Child (Yearly)

$26.9K €23.3K

$11.5K €9,956

134.21%

Jeans (Levis 501 Or Similar)

$92.7 €80.3

$99.8 €86.4

-7.08%

Summer Dress (H&M, Zara, etc)

$58.7 €50.8

$76.9 €66.6

-23.66%

Sport Shoes (Adidas, Nike)

$123 €106

$99.9 €86.5

23.14%

Men's Leather Business Shoes

$185 €160

$135 €117

37.21%

1-bedroom Apartment, City Center (Monthly)

$1,397 €1,210

$716 €620

95.04%

1-bedroom Apartment, Outside City Center (Monthly)

$957 €829

$514 €445

86.29%

3-bedroom Apartment, City Center (Monthly)

$2,392 €2,072

$1,511 €1,308

58.34%

3-bedroom Apartment, Outside City Center (Monthly)

$1,806 €1,564

$1,199 €1,038

50.62%

Buy Apartment in City Center (m2)

$9,932 €8,601

$3,995 €3,459

148.63%

Buy Apartment Outside City Center (m2)

$5,263 €4,558

$3,347 €2,898

57.27%

Average Monthly Net Salary (After Tax)

$3,514 €3,043

$1,742 €1,509

101.73%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.9

3.98

-2.01%

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

Last update for Hamburg: July 26, 2026

Last update for Osnabruck: July 25, 2026

Cost Breakdown

A central one-bedroom costs $1,397 in Hamburg versus $716 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 102% 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 $93.0 in Hamburg versus $69.0 in Osnabruck. Groceries tell a different story – $350 in Hamburg vs $354 in Osnabruck – so Hamburg 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 40% 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 $3,679 per month in Hamburg and $2,631 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 $2,453 in Hamburg and $1,754 in Osnabruck. The difference isn't just one category – it shows up across housing, food, transport, and services.

Public transport costs about 21% 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 $1,754, than in Hamburg at $2,453. 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 $1,754 versus $2,453 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.