Last update: Oct 2026

Cost of Living Comparison Between Hertfordshire and Osnabruck

For one person, living is cheaper in Osnabruck: $1,913 a month against $2,520 in Hertfordshire, rent and utilities included – about $7,300 less a year. Rent and utilities account for most of the difference.

122

Cost of Living Index in Hertfordshire
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Hertfordshire Living Index
94

Cost of Living Index in Osnabruck
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Osnabruck Living Index

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Hertfordshire

🇬🇧 United Kingdom

$2,520

/mo nomad

Osnabruck

🇩🇪 Germany

$1,913

/mo nomad

Monthly Cost of Living

How much you'll spend in Hertfordshire 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 Hertfordshire and in Osnabruck actually costs, broken down by who's living it.

Monthly costs for one person with rent: $2,520 in Hertfordshire versus $1,913 in Osnabruck.

Hertfordshire $2,520
Osnabruck $1,913

Estimated couple costs with rent: $3,784 in Hertfordshire versus $2,887 in Osnabruck.

Hertfordshire $3,784
Osnabruck $2,887

Monthly costs for a family of three with rent: $5,048 in Hertfordshire versus $3,861 in Osnabruck.

Hertfordshire $5,048
Osnabruck $3,861

Living in Hertfordshire is roughly 32% more expensive than in Osnabruck, and outside of rent the biggest gap is in eating out.

Both cities are pricier than the global median: Hertfordshire 87% above, Osnabruck 42% above.

Meal at Budget Restaurant

$26.92 £20.19

$13.14 €11.69

104.87%

Three-Course Dinner for Two, Mid-Range

$78.9 £59.2

$79.3 €70.6

-0.60%

Fast Food Meal (McDonalds, etc)

$10.38 £7.78

$10.66 €9.48

-2.63%

Cappuccino

$4.87 £3.65

$3.80 €3.38

28.16%

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

$2.49 £1.87

$3.34 €2.97

-25.45%

Water (0.33 liter bottle)

$2.07 £1.55

$2.84 €2.53

-27.11%

Local Beer (0.5 liter draught)

$5.50 £4.13

$4.94 €4.40

11.34%

Imported Beer (0.33 liter bottle)

$5.31 £3.99

$3.97 €3.53

33.75%

Milk (1 liter)

$1.52 £1.14

$1.29 €1.15

17.83%

White Bread (500g)

$1.85 £1.39

$2.00 €1.78

-7.50%

Rice (white) (1kg)

$2.66 £2.00

$3.69 €3.28

-27.91%

Eggs

$3.48 £2.61

$3.46 €3.08

0.58%

Local Cheese (1kg)

$8.04 £6.03

$12.91 €11.49

-37.72%

Chicken Fillets (1kg)

$7.24 £5.43

$10.88 €9.68

-33.46%

Beef Round Steak (1kg)

$16.34 £12.26

$18.73 €16.66

-12.76%

Apples (1kg)

$3.38 £2.54

$3.42 €3.04

-1.17%

Banana (1kg)

$1.60 £1.20

$1.82 €1.62

-12.09%

Oranges (1kg)

$3.06 £2.30

$2.16 €1.92

41.67%

Tomato (1kg)

$3.52 £2.64

$4.05 €3.60

-13.09%

Potato (1kg)

$1.16 £0.87

$1.42 €1.26

-18.31%

Onion (1kg)

$1.77 £1.32

$1.23 €1.10

43.90%

Lettuce (1 head)

$1.24 £0.93

$1.59 €1.41

-22.01%

Water (1.5 liter bottle)

$1.58 £1.19

$0.84 €0.74

88.10%

Cigarettes 20 Pack (Marlboro, Camel)

$21.13 £15.85

$9.48 €8.43

122.89%

Wine (Bottle)

$9.78 £7.34

$5.48 €4.87

78.47%

Local Beer (0.5 liter bottle)

$1.93 £1.45

$0.98 €0.87

96.94%

Imported Beer (0.33 liter bottle)

$2.03 £1.52

$1.48 €1.32

37.16%

One-way Ticket (Public Transport)

$3.41 £2.56

$3.74 €3.33

-8.82%

Public Transport Monthly Pass (Regular Price)

$85.6 £64.3

$70.4 €62.6

21.68%

Taxi Start (Normal Tariff)

$4.07 £3.05

$3.03 €2.69

34.32%

Taxi (Normal Tariff) (1km)

$3.93 £2.95

$3.06 €2.72

28.43%

Taxi 1hour Waiting (Normal Tariff)

$31.53 £23.65

$42.76 €38.03

-26.26%

Gasoline (1 liter)

$2.00 £1.50

$2.26 €2.01

-11.50%

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

$38.1K £28.6K

$30.4K €27.0K

25.24%

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

$41.2K £30.9K

$37.6K €33.4K

9.79%

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

$157 £118

$279 €248

-43.79%

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

$17.46 £13.10

$30.53 €27.16

-42.81%

Internet (50+ Mbps, Unlimited Data)

$43.55 £32.67

$35.63 €31.69

22.23%

Gym Membership (Monthly)

$44.81 £33.62

$51.2 €45.54

-12.46%

Cinema Ticket

$13.11 £9.84

$13.26 €11.80

-1.13%

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

$1,584 £1,188

$400 €356

295.69%

International Primary School, 1 Child (Yearly)

$21.9K £16.4K

$19.7K €17.5K

10.99%

Jeans (Levis 501 Or Similar)

$46.85 £35.14

$98.5 €87.6

-52.44%

Summer Dress (H&M, Zara, etc)

$39.06 £29.30

$39.32 €34.97

-0.66%

Sport Shoes (Adidas, Nike)

$72.4 £54.3

$88.2 €78.5

-17.91%

Men's Leather Business Shoes

$108 £81.2

$107 €95.4

0.94%

1-bedroom Apartment, City Center (Monthly)

$1,791 £1,344

$632 €562

183.54%

1-bedroom Apartment, Outside City Center (Monthly)

$1,339 £1,005

$687 €611

94.85%

3-bedroom Apartment, City Center (Monthly)

$2,798 £2,099

$1,625 €1,446

72.18%

3-bedroom Apartment, Outside City Center (Monthly)

$2,343 £1,758

$1,178 €1,048

98.92%

Buy Apartment in City Center (m2)

$5,076 £3,808

$3,928 €3,494

29.22%

Buy Apartment Outside City Center (m2)

$3,816 £2,863

$3,327 €2,960

14.68%

Average Monthly Net Salary (After Tax)

$3,200 £2,401

$1,663 €1,479

92.43%

20-Year Fixed Mortgage Interest Rate (Annual %)

5.21

3.92

32.91%

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

Last update for Hertfordshire: October 11, 2026

Last update for Osnabruck: October 10, 2026

Monthly budget structure

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

Accommodation & Living

Hertfordshire

$1.3K 53.1%

Osnabruck

$687 35.9% 48.7% $652

Eating Out

Hertfordshire

$361 14.3%

Osnabruck

$240 12.6% 33.6% $121

Groceries & Markets

Hertfordshire

$288 11.4%

Osnabruck

$310 16.2% 7.5% $22

Monthly Utilities & Internet

Hertfordshire

$218 8.6%

Osnabruck

$345 18% 58.4% $127

Getting Around

Hertfordshire

$123 4.9%

Osnabruck

$104 5.4% 15.7% $19

Clothing & Footwear

Hertfordshire

$120 4.8%

Osnabruck

$150 7.8% 25% $30

Sport & Entertainment

Hertfordshire

$71 2.8%

Osnabruck

$78 4.1% 9.4% $6.7

Cost Breakdown

A one-bedroom apartment in the center runs $1,791 in Hertfordshire and $632 in Osnabruck. Housing cost is often the main lever when comparing two cities.

Hertfordshire pays 92% more on average. The extra income cushions the higher costs, though housing choices and lifestyle decide how much of the gap is truly closed.

Dining out: $79.0 in Hertfordshire vs $79.0 in Osnabruck for a mid-range dinner for two. Groceries echo the gap at $288 vs $310 per month, with Hertfordshire cheaper across the board.

Good to know

🇬🇧 Hertfordshire

🇩🇪 Osnabruck

🕒 Local time

03:04 3:04 AM

04:04 4:04 AM

1 h ahead of Hertfordshire

🌤 Weather

👥 Population

33,990

169,108

💱 Currency

British Pound GBP £

Euro EUR €

📈 Exchange rate

1 GBP = 1.33 USD

1 GBP = 1.19 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to GBP – British Pound Converter

🇺🇸 United States Dollar ($)

🇬🇧 British Pound (£)

British Pound exchange rates as of October 20, 2026: 1 USD = 0.75 GBP (1 GBP = 1.33 USD). 1 EUR = 0.843 GBP (1 GBP = 1.19 EUR).

Euro exchange rates as of October 20, 2026: 1 USD = 0.889 EUR (1 EUR = 1.12 USD).

USD to GBP in detail →

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Hertfordshire Osnabruck 570 km ≈ 1 h 15 min nonstop flight

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Hertfordshire
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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

Hertfordshire vs Osnabruck: Cost of Living - Frequently Asked Questions

Osnabruck is cheaper overall, especially in eating out and transport. The 32% gap adds up to real monthly savings that compound significantly over time.

Average pay runs 92% higher in Hertfordshire, which matters when comparing affordability. Whether that higher income actually nets you more depends on your spending habits and housing choices.

Rent for a central apartment: $1,791 in Hertfordshire versus $632 in Osnabruck. Housing is usually the single largest factor when comparing overall living costs between the two.

Dining out is cheaper in Osnabruck – a meal for two runs $79.0 versus $79.0 in Hertfordshire. If you eat out regularly, this makes a real dent in your monthly spending.

All in, you'll spend $2,520 per month in Hertfordshire versus $1,913 in Osnabruck – a 32% gap that adds up to real savings over time for anyone picking the cheaper option.

At $1,913 in Osnabruck versus $2,520 in Hertfordshire, a $2,000 budget is realistic in Osnabruck but tight or insufficient in Hertfordshire. The gap between the two cities makes Osnabruck 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, Hertfordshire and Osnabruck are on par. Petty crime is typical for cities this size, and most residents feel comfortable going about their daily routines in either place.

Expats usually find Osnabruck gentler on the wallet – expenses run 32% less than in Hertfordshire. Beyond cost, consider language, visa policies, and how big the international community is in each city.