Last update: Oct 2026

Cost of Living Comparison Between Hamburg and Osnabruck

For one person, living is cheaper in Osnabruck: $1,956 a month against $2,332 in Hamburg, rent and utilities included – about $4,500 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
93

Cost of Living Index in Osnabruck
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Osnabruck Living Index

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Hamburg

🇩🇪 Germany

$2,332

/mo nomad

Osnabruck

🇩🇪 Germany

$1,956

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamburg and in Osnabruck

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 Osnabruck actually costs, broken down by who's living it.

A single person spends $2,332 per month in Hamburg vs $1,956 in Osnabruck, rent included.

Hamburg $2,332
Osnabruck $1,956

A couple spends around $3,481 per month in Hamburg vs $2,925 in Osnabruck, rent included.

Hamburg $3,481
Osnabruck $2,925

A family of three spends $4,631 per month in Hamburg vs $3,893 in Osnabruck, rent included.

Hamburg $4,631
Osnabruck $3,893

Hamburg costs about 19% more than Osnabruck, and outside of rent the biggest gap is in eating out.

Both Hamburg and Osnabruck sit above the global median – Hamburg by 71%, Osnabruck by 44%.

Meal at Budget Restaurant

$17.03 €15.26

$13.51 €12.10

26.05%

Three-Course Dinner for Two, Mid-Range

$73.6 €66.0

$77.5 €69.5

-5.07%

Fast Food Meal (McDonalds, etc)

$13.65 €12.24

$10.78 €9.66

26.62%

Cappuccino

$4.67 €4.19

$3.92 €3.51

19.13%

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

$4.18 €3.75

$2.91 €2.61

43.64%

Water (0.33 liter bottle)

$3.24 €2.90

$2.89 €2.59

12.11%

Local Beer (0.5 liter draught)

$5.96 €5.34

$4.90 €4.39

21.63%

Imported Beer (0.33 liter bottle)

$4.98 €4.47

$4.00 €3.58

24.50%

Milk (1 liter)

$1.20 €1.07

$1.25 €1.12

-4.00%

White Bread (500g)

$2.60 €2.33

$2.37 €2.13

9.70%

Rice (white) (1kg)

$2.79 €2.50

$3.66 €3.28

-23.77%

Eggs

$4.24 €3.80

$3.49 €3.13

21.49%

Local Cheese (1kg)

$12.36 €11.08

$14.47 €12.96

-14.58%

Chicken Fillets (1kg)

$12.02 €10.77

$10.64 €9.53

12.97%

Beef Round Steak (1kg)

$18.94 €16.97

$18.59 €16.66

1.88%

Apples (1kg)

$3.24 €2.90

$3.25 €2.92

-0.31%

Banana (1kg)

$2.33 €2.09

$1.89 €1.69

23.28%

Oranges (1kg)

$2.95 €2.65

$2.17 €1.94

35.94%

Tomato (1kg)

$4.12 €3.69

$4.20 €3.76

-1.90%

Potato (1kg)

$1.83 €1.64

$1.42 €1.27

28.87%

Onion (1kg)

$1.75 €1.56

$1.18 €1.06

48.31%

Lettuce (1 head)

$1.73 €1.55

$1.62 €1.45

6.79%

Water (1.5 liter bottle)

$1.17 €1.05

$0.86 €0.77

36.05%

Cigarettes 20 Pack (Marlboro, Camel)

$10.07 €9.02

$9.95 €8.91

1.21%

Wine (Bottle)

$6.61 €5.92

$6.85 €6.14

-3.50%

Local Beer (0.5 liter bottle)

$1.13 €1.02

$0.99 €0.89

14.14%

Imported Beer (0.33 liter bottle)

$1.50 €1.34

$1.49 €1.33

0.67%

One-way Ticket (Public Transport)

$4.43 €3.97

$3.89 €3.49

13.88%

Public Transport Monthly Pass (Regular Price)

$69.4 €62.2

$70.9 €63.5

-2.06%

Taxi Start (Normal Tariff)

$6.79 €6.08

$5.25 €4.71

29.33%

Taxi (Normal Tariff) (1km)

$2.98 €2.67

$2.76 €2.47

7.97%

Taxi 1hour Waiting (Normal Tariff)

$41.72 €37.39

$36.91 €33.07

13.03%

Gasoline (1 liter)

$2.29 €2.05

$2.09 €1.87

9.57%

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

$33.0K €29.6K

$30.2K €27.0K

9.25%

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

$38.9K €34.9K

$39.1K €35.1K

-0.50%

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

$383 €343

$283 €254

35.29%

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

$19.47 €17.45

$30.62 €27.44

-36.41%

Internet (50+ Mbps, Unlimited Data)

$38.79 €34.76

$40.12 €35.95

-3.32%

Gym Membership (Monthly)

$42.26 €37.87

$50.3 €45.08

-16.00%

Tennis Court (1 Hour on Weekend)

$28.37 €25.43

Cinema Ticket

$15.46 €13.85

$13.22 €11.85

16.94%

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

$502 €450

$409 €367

22.75%

International Primary School, 1 Child (Yearly)

$13.8K €12.3K

$27.5K €24.6K

-49.91%

Jeans (Levis 501 Or Similar)

$86.6 €77.6

$89.5 €80.2

-3.24%

Summer Dress (H&M, Zara, etc)

$36.18 €32.42

$39.13 €35.06

-7.54%

Sport Shoes (Adidas, Nike)

$101 €90.2

$86.9 €77.9

15.79%

Men's Leather Business Shoes

$117 €105

$108 €96.7

8.79%

1-bedroom Apartment, City Center (Monthly)

$1,212 €1,086

$626 €561

93.71%

1-bedroom Apartment, Outside City Center (Monthly)

$919 €823

$712 €638

28.98%

3-bedroom Apartment, City Center (Monthly)

$2,155 €1,931

$1,675 €1,501

28.62%

3-bedroom Apartment, Outside City Center (Monthly)

$1,667 €1,494

$1,190 €1,067

40.09%

Buy Apartment in City Center (m2)

$9,358 €8,385

$3,897 €3,492

140.11%

Buy Apartment Outside City Center (m2)

$5,163 €4,627

$3,302 €2,959

56.35%

Average Monthly Net Salary (After Tax)

$3,622 €3,245

$1,678 €1,504

115.84%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.69

3.95

-6.58%

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

Last update for Hamburg: October 26, 2026

Last update for Osnabruck: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Hamburg

$919 39.4%

Osnabruck

$712 36.4% 22.5% $206

Monthly Utilities & Internet

Hamburg

$441 18.9%

Osnabruck

$354 18.1% 19.8% $87

Groceries & Markets

Hamburg

$335 14.3%

Osnabruck

$319 16.3% 4.5% $15

Eating Out

Hamburg

$303 13%

Osnabruck

$243 12.4% 19.7% $60

Clothing & Footwear

Hamburg

$153 6.6%

Osnabruck

$146 7.4% 5.1% $7.8

Getting Around

Hamburg

$109 4.7%

Osnabruck

$105 5.4% 3.1% $3.3

Sport & Entertainment

Hamburg

$73 3.1%

Osnabruck

$77 3.9% 4.9% $3.6

Cost Breakdown

A central one-bedroom costs $1,212 in Hamburg versus $626 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 in Hamburg are about 2.2 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $74 in Hamburg versus $78 in Osnabruck. Groceries tell a different story – $335 in Hamburg vs $319 in Osnabruck – so Osnabruck wins on supermarket bills even if dining out costs more.

Good to know

🇩🇪 Hamburg

🇩🇪 Osnabruck

🕒 Local time

05:06 5:06 AM

Same time as Hamburg

🌤 Weather

👥 Population

1,812,709

169,108

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 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 Osnabruck: Cost of Living - Frequently Asked Questions

Hamburg costs about 19% more than Osnabruck, 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 $3,499 per month in Hamburg and $2,935 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: a one-bedroom in the center costs $626 there versus $1,212 in Hamburg.

Monthly expenses with rent come to $2,332 in Hamburg and $1,956 in Osnabruck. That makes Osnabruck about 16% cheaper.

Kindergarten costs $502 per month in Hamburg and $409 in Osnabruck. For families with young kids, this one expense can tip the scales when choosing between the two cities.

Families tend to lean toward Osnabruck – 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 Osnabruck. If higher salaries or specific career opportunities are the priority, Hamburg makes more sense. Both are solid long-term options with distinct trade-offs.