Last update: Oct 2026

Cost of Living Comparison Between Lübeck and Munich

For one person, living is cheaper in Lübeck: $2,185 a month against $2,663 in Munich, rent and utilities included – about $5,700 less a year. Rent and utilities account for most of the difference.

105

Cost of Living Index in Lübeck
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Lübeck Living Index
130

Cost of Living Index in Munich
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Munich Living Index

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Lübeck

🇩🇪 Germany

$2,185

/mo nomad

Munich

🇩🇪 Germany

$2,663

/mo nomad

Monthly Cost of Living

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

A single person spends $2,185 per month in Lübeck vs $2,663 in Munich, rent included.

Lübeck $2,185
Munich $2,663

A couple spends around $3,254 per month in Lübeck vs $4,043 in Munich, rent included.

Lübeck $3,254
Munich $4,043

A family of three spends $4,323 per month in Lübeck vs $5,423 in Munich, rent included.

Lübeck $4,323
Munich $5,423

Lübeck is about 18% cheaper than Munich, and outside of rent the biggest gap is in groceries.

Both Lübeck and Munich sit above the global median – Lübeck by 61%, Munich by 97%.

Meal at Budget Restaurant

$17.15 €15.26

$18.62 €16.56

-7.89%

Three-Course Dinner for Two, Mid-Range

$63.8 €56.7

$91.2 €81.1

-30.07%

Fast Food Meal (McDonalds, etc)

$13.10 €11.65

$13.60 €12.09

-3.68%

Cappuccino

$4.02 €3.58

$4.32 €3.84

-6.94%

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

$3.25 €2.89

$3.81 €3.39

-14.70%

Water (0.33 liter bottle)

$3.59 €3.20

$3.36 €2.99

6.85%

Local Beer (0.5 liter draught)

$5.54 €4.93

$4.91 €4.37

12.83%

Imported Beer (0.33 liter bottle)

$4.45 €3.96

$5.76 €5.13

-22.74%

Milk (1 liter)

$1.22 €1.08

$1.30 €1.15

-6.15%

White Bread (500g)

$2.14 €1.91

$2.42 €2.15

-11.57%

Rice (white) (1kg)

$3.66 €3.26

$2.70 €2.40

35.56%

Eggs

$3.54 €3.15

$4.63 €4.12

-23.54%

Local Cheese (1kg)

$14.62 €13.00

$18.25 €16.23

-19.89%

Chicken Fillets (1kg)

$11.39 €10.13

$13.41 €11.93

-15.06%

Beef Round Steak (1kg)

$19.10 €16.99

$21.95 €19.52

-12.98%

Apples (1kg)

$3.09 €2.75

$3.05 €2.71

1.31%

Banana (1kg)

$1.72 €1.53

$2.10 €1.86

-18.10%

Oranges (1kg)

$2.19 €1.95

$2.76 €2.45

-20.65%

Tomato (1kg)

$4.68 €4.16

$4.30 €3.82

8.84%

Potato (1kg)

$1.28 €1.14

$1.94 €1.73

-34.02%

Onion (1kg)

$1.19 €1.06

$1.79 €1.59

-33.52%

Lettuce (1 head)

$1.70 €1.52

$1.44 €1.28

18.06%

Water (1.5 liter bottle)

$0.89 €0.79

$0.88 €0.78

1.14%

Cigarettes 20 Pack (Marlboro, Camel)

$9.57 €8.51

$10.99 €9.78

-12.92%

Wine (Bottle)

$6.70 €5.96

$6.79 €6.04

-1.33%

Local Beer (0.5 liter bottle)

$1.04 €0.93

$1.23 €1.10

-15.45%

Imported Beer (0.33 liter bottle)

$1.38 €1.23

$1.54 €1.37

-10.39%

One-way Ticket (Public Transport)

$3.42 €3.04

$4.46 €3.97

-23.32%

Public Transport Monthly Pass (Regular Price)

$70.1 €62.3

$72.0 €64.1

-2.71%

Taxi Start (Normal Tariff)

$3.89 €3.46

$6.47 €5.76

-39.88%

Taxi (Normal Tariff) (1km)

$3.82 €3.39

$3.00 €2.67

27.33%

Taxi 1hour Waiting (Normal Tariff)

$17.02 €15.14

$43.32 €38.53

-60.71%

Gasoline (1 liter)

$2.14 €1.90

$2.29 €2.04

-6.55%

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

$30.8K €27.4K

$33.3K €29.6K

-7.47%

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

$38.5K €34.2K

$38.9K €34.6K

-1.09%

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

$339 €302

$353 €314

-3.96%

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

$34.84 €30.99

$18.28 €16.26

90.59%

Internet (50+ Mbps, Unlimited Data)

$52.9 €47.06

$40.60 €36.11

30.30%

Gym Membership (Monthly)

$41.41 €36.83

$53.5 €47.57

-22.57%

Tennis Court (1 Hour on Weekend)

$27.74 €24.67

$33.12 €29.46

-16.24%

Cinema Ticket

$13.68 €12.17

$15.87 €14.12

-13.80%

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

$457 €407

$815 €725

-43.85%

International Primary School, 1 Child (Yearly)

$16.2K €14.4K

Jeans (Levis 501 Or Similar)

$79.4 €70.6

$88.2 €78.4

-9.99%

Summer Dress (H&M, Zara, etc)

$39.46 €35.10

$42.95 €38.21

-8.13%

Sport Shoes (Adidas, Nike)

$126 €112

$103 €91.6

22.16%

Men's Leather Business Shoes

$148 €131

$114 €102

29.22%

1-bedroom Apartment, City Center (Monthly)

$783 €697

$1,664 €1,480

-52.92%

1-bedroom Apartment, Outside City Center (Monthly)

$793 €706

$1,228 €1,093

-35.42%

3-bedroom Apartment, City Center (Monthly)

$1,814 €1,614

$2,969 €2,641

-38.89%

3-bedroom Apartment, Outside City Center (Monthly)

$1,427 €1,269

$2,274 €2,023

-37.27%

Buy Apartment in City Center (m2)

$3,891 €3,461

$12.9K €11.4K

-69.75%

Buy Apartment Outside City Center (m2)

$4,133 €3,676

$8,927 €7,941

-53.71%

Average Monthly Net Salary (After Tax)

$3,509 €3,121

$4,185 €3,723

-16.16%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.97

3.82

3.93%

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

Last update for Lübeck: October 17, 2026

Last update for Munich: October 19, 2026

Monthly budget structure

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

Accommodation & Living

Lübeck

$793 36.3%

Munich

$1.2K 46.1% 54.8% $435

Monthly Utilities & Internet

Lübeck

$427 19.6%

Munich

$412 15.5% 3.5% $15

Groceries & Markets

Lübeck

$324 14.8%

Munich

$363 13.6% 12.1% $39

Eating Out

Lübeck

$289 13.2%

Munich

$306 11.5% 6.1% $18

Clothing & Footwear

Lübeck

$177 8.1%

Munich

$157 5.9% 11.2% $20

Getting Around

Lübeck

$107 4.9%

Munich

$111 4.2% 4.3% $4.6

Sport & Entertainment

Lübeck

$69 3.2%

Munich

$85 3.2% 23.9% $16

Cost Breakdown

A central one-bedroom costs $783 in Lübeck versus $1,664 in Munich. 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 19% higher in Munich, 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 $64.0 in Lübeck versus $91.0 in Munich. Monthly groceries follow the same trend: $324 vs $363 – making Lübeck the more affordable choice for daily food spending.

Good to know

🇩🇪 Lübeck

🇩🇪 Munich

🕒 Local time

22:21 10:21 PM

Same time as Lübeck

🌤 Weather

👥 Population

212,958

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

Lübeck Munich 640 km ≈ 1 h 15 min nonstop flight

From you

Lübeck
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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

Lübeck vs Munich: Cost of Living - Frequently Asked Questions

Yes – Munich is pricier by about 22%, and outside of rent the gap shows up most in groceries.

For a comfortable life, plan on about $3,277 per month in Lübeck and $3,995 in Munich. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Groceries cost about 12% more in Munich, though it depends on what you buy. Local produce may be comparable; imported and premium items show the biggest price gap.

A mid-range dinner for two costs $64.0 in Lübeck and $91.0 in Munich. That's a good indicator of the overall restaurant and café pricing gap between the two cities.

A $2,500 monthly budget goes further in Lübeck, where all-in costs run around $2,185, than in Munich at $2,663. In Lübeck it covers expenses comfortably, while in Munich it requires careful planning or may not stretch far enough.

Families tend to lean toward Lübeck – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

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 Lübeck. If higher salaries, better infrastructure, or specific career opportunities are the priority, Munich makes more sense. Both are solid long-term options with distinct trade-offs.