Last update: Oct 2026

Cost of Living Comparison Between Hamm and Munich

For one person, living is cheaper in Hamm: $1,475 a month against $2,681 in Munich, rent and utilities included – about $14,500 less a year. Rent and utilities account for most of the difference.

71

Cost of Living Index in Hamm
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Hamm Living Index
130

Cost of Living Index in Munich
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Munich Living Index

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Hamm

🇩🇪 Germany

$1,475

/mo nomad

Munich

🇩🇪 Germany

$2,681

/mo nomad

Monthly Cost of Living

How much you'll spend in Hamm and in Munich

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

Monthly costs for one person with rent: $1,475 in Hamm versus $2,681 in Munich.

Hamm $1,475
Munich $2,681

Estimated couple costs with rent: $2,214 in Hamm versus $4,080 in Munich.

Hamm $2,214
Munich $4,080

Monthly costs for a family of three with rent: $2,954 in Hamm versus $5,480 in Munich.

Hamm $2,954
Munich $5,480

Living in Hamm costs roughly 45% less than in Munich, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Hamm 8% above, Munich 97% above.

Meal at Budget Restaurant

$13.36 €11.96

$18.66 €16.71

-28.40%

Three-Course Dinner for Two, Mid-Range

$67.1 €60.1

$89.2 €79.9

-24.78%

Fast Food Meal (McDonalds, etc)

$17.82 €15.96

$13.38 €11.99

33.18%

Cappuccino

$4.35 €3.89

$4.32 €3.87

0.69%

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

$2.71 €2.42

$3.86 €3.46

-29.79%

Water (0.33 liter bottle)

$2.38 €2.13

$3.35 €3.00

-28.96%

Local Beer (0.5 liter draught)

$2.77 €2.48

$5.22 €4.67

-46.93%

Imported Beer (0.33 liter bottle)

$4.01 €3.59

$5.74 €5.14

-30.14%

Milk (1 liter)

$1.25 €1.12

$1.28 €1.15

-2.34%

White Bread (500g)

$2.02 €1.81

$2.32 €2.08

-12.93%

Rice (white) (1kg)

$3.80 €3.40

$2.69 €2.41

41.26%

Eggs

$3.39 €3.03

$4.57 €4.09

-25.82%

Local Cheese (1kg)

$14.53 €13.01

$17.92 €16.05

-18.92%

Chicken Fillets (1kg)

$10.39 €9.31

$13.29 €11.91

-21.82%

Beef Round Steak (1kg)

$24.98 €22.37

$21.85 €19.57

14.32%

Apples (1kg)

$3.42 €3.06

$3.19 €2.85

7.21%

Banana (1kg)

$2.24 €2.01

$2.01 €1.80

11.44%

Oranges (1kg)

$2.30 €2.06

$2.81 €2.52

-18.15%

Tomato (1kg)

$4.15 €3.71

$4.53 €4.05

-8.39%

Potato (1kg)

$1.46 €1.31

$1.85 €1.66

-21.08%

Onion (1kg)

$1.20 €1.08

$1.83 €1.64

-34.43%

Lettuce (1 head)

$1.79 €1.60

$1.50 €1.34

19.33%

Water (1.5 liter bottle)

$1.06 €0.95

$0.86 €0.77

23.26%

Cigarettes 20 Pack (Marlboro, Camel)

$8.95 €8.02

$11.22 €10.05

-20.23%

Wine (Bottle)

$6.55 €5.87

$6.67 €5.97

-1.80%

Local Beer (0.5 liter bottle)

$1.07 €0.96

$1.29 €1.16

-17.05%

Imported Beer (0.33 liter bottle)

$1.40 €1.25

$1.60 €1.44

-12.50%

One-way Ticket (Public Transport)

$3.20 €2.87

$4.74 €4.24

-32.49%

Public Transport Monthly Pass (Regular Price)

$61.3 €54.9

$70.1 €62.7

-12.57%

Taxi Start (Normal Tariff)

$5.05 €4.52

$6.76 €6.06

-25.30%

Taxi (Normal Tariff) (1km)

$2.22 €1.99

$3.09 €2.77

-28.16%

Taxi 1hour Waiting (Normal Tariff)

$33.01 €29.56

$43.44 €38.90

-24.01%

Gasoline (1 liter)

$2.15 €1.93

$2.31 €2.07

-6.93%

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

$32.2K €28.9K

$33.9K €30.3K

-4.90%

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

$37.3K €33.4K

$39.3K €35.2K

-5.02%

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

$465 €416

$350 €313

32.90%

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

$25.78 €23.08

$18.57 €16.63

38.83%

Internet (50+ Mbps, Unlimited Data)

$40.16 €35.96

$39.33 €35.22

2.11%

Gym Membership (Monthly)

$28.47 €25.50

$51.8 €46.39

-45.04%

Tennis Court (1 Hour on Weekend)

$33.64 €30.13

Cinema Ticket

$13.25 €11.86

$15.92 €14.26

-16.77%

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

$169 €151

$868 €778

-80.52%

International Primary School, 1 Child (Yearly)

$25.7K €23.0K

$16.5K €14.7K

56.20%

Jeans (Levis 501 Or Similar)

$97.9 €87.6

$87.7 €78.6

11.55%

Summer Dress (H&M, Zara, etc)

$48.25 €43.21

$42.09 €37.70

14.64%

Sport Shoes (Adidas, Nike)

$111 €99.2

$102 €91.2

8.81%

Men's Leather Business Shoes

$197 €177

$114 €102

72.91%

1-bedroom Apartment, City Center (Monthly)

$1,664 €1,490

1-bedroom Apartment, Outside City Center (Monthly)

$1,254 €1,123

3-bedroom Apartment, City Center (Monthly)

$3,113 €2,788

3-bedroom Apartment, Outside City Center (Monthly)

$2,352 €2,107

Buy Apartment in City Center (m2)

$12.5K €11.2K

Buy Apartment Outside City Center (m2)

$8,605 €7,707

Average Monthly Net Salary (After Tax)

$2,082 €1,865

$4,072 €3,647

-48.87%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.96

3.82

3.66%

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

Last update for Hamm: October 25, 2026

Last update for Munich: October 24, 2026

Monthly budget structure

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

Monthly Utilities & Internet

Hamm

$531 36%

Munich

$407 15.2% 23.2% $123

Groceries & Markets

Hamm

$340 23.1%

Munich

$361 13.5% 6.2% $21

Eating Out

Hamm

$255 17.3%

Munich

$308 11.5% 20.8% $53

Clothing & Footwear

Hamm

$204 13.9%

Munich

$156 5.8% 23.9% $49

Getting Around

Hamm

$90 6.1%

Munich

$111 4.2% 23.3% $21

Sport & Entertainment

Hamm

$55 3.7%

Munich

$84 3.1% 52.2% $29

Accommodation & Living

Hamm

- * 0%

Munich

$1.3K 46.8%

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

Cost Breakdown

Munich pays 96% more on average. How far that income stretches comes down to housing choices and lifestyle.

Dining out: $67 in Hamm vs $89 in Munich for a mid-range dinner for two. Groceries echo the gap at $340 vs $361 per month, with Hamm cheaper across the board.

Good to know

🇩🇪 Hamm

🇩🇪 Munich

🕒 Local time

15:59 3:59 PM

Same time as Hamm

🌤 Weather

👥 Population

180,000

1,484,226

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

On the map

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Between locations

Hamm Munich 480 km

From you

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Distances are measured in a straight line. Your location is detected approximately.

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

Hamm vs Munich: Cost of Living - Frequently Asked Questions

Total monthly costs including rent come to $1,475 in Hamm and $2,681 in Munich, so Hamm is about 45% cheaper – a gap that matters a lot on a fixed or modest income.

On paper, salaries run 49% lower in Hamm. That’s worth factoring in alongside costs, though remote workers earning in a stronger currency may not notice the difference at all.

Childcare runs $169 in Hamm versus $868 in Munich. Over years of preschool, even a modest monthly gap compounds into a major financial factor for families.

Supermarket bills run roughly 6% higher in Munich. For households that cook at home regularly, that difference adds up over a month.

At $1,475 in Hamm versus $2,681 in Munich, a $2,000 budget is realistic in Hamm but tight or insufficient in Munich. 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, Hamm and Munich are both considered safe, so it’s unlikely to be the deciding factor between them.

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