Cost of Living Comparison Between Munich and Kempten Cost of Living Comparison Between Munich and Kempten

Monthly Cost of Living

A single person spends $2,865 per month in Munich vs $2,146 in Kempten, rent included.

A couple spends around $4,348 per month in Munich vs $3,162 in Kempten, rent included.

A family of three spends $5,831 per month in Munich vs $4,178 in Kempten, rent included.

Munich costs about 34% more than Kempten, driven mainly by Eating Out.

Both Munich and Kempten sit above the global median – Munich by 114%, Kempten by 60%.

Meal at Budget Restaurant

$20.50 €17.66

$18.48 €15.92

10.93%

Three-Course Dinner for Two, Mid-Range

$92.7 €79.9

$56.7 €48.85

63.44%

Fast Food Meal (McDonalds, etc)

$13.75 €11.84

$9.91 €8.53

38.75%

Cappuccino

$4.27 €3.68

$3.80 €3.27

12.37%

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

$4.01 €3.45

$2.97 €2.56

35.02%

Water (0.33 liter bottle)

$3.77 €3.25

$2.38 €2.05

58.40%

Local Beer (0.5 liter draught)

$5.80 €5.00

$4.72 €4.07

22.88%

Imported Beer (0.33 liter bottle)

$5.69 €4.90

$3.48 €3.00

63.51%

Milk (1 liter)

$1.42 €1.22

$1.18 €1.02

20.34%

White Bread (500g)

$2.18 €1.88

$2.25 €1.94

-3.11%

Rice (white) (1kg)

$3.28 €2.82

$3.15 €2.72

4.13%

Eggs

$3.85 €3.31

$3.68 €3.17

4.62%

Local Cheese (1kg)

$17.84 €15.36

$15.18 €13.07

17.52%

Chicken Fillets (1kg)

$10.61 €9.14

$14.64 €12.61

-27.53%

Beef Round Steak (1kg)

$19.51 €16.80

$17.65 €15.20

10.54%

Apples (1kg)

$3.23 €2.78

$2.54 €2.19

27.17%

Banana (1kg)

$2.26 €1.95

$1.45 €1.25

55.86%

Oranges (1kg)

$2.61 €2.25

$1.64 €1.42

59.15%

Tomato (1kg)

$3.87 €3.33

$4.96 €4.27

-21.98%

Potato (1kg)

$1.74 €1.50

$1.77 €1.52

-1.69%

Onion (1kg)

$1.55 €1.33

$1.71 €1.47

-9.36%

Lettuce (1 head)

$1.60 €1.38

$1.95 €1.68

-17.95%

Water (1.5 liter bottle)

$0.96 €0.83

$0.55 €0.48

74.55%

Cigarettes 20 Pack (Marlboro, Camel)

$9.89 €8.52

$9.66 €8.32

2.38%

Wine (Bottle)

$7.41 €6.38

$5.74 €4.94

29.09%

Local Beer (0.5 liter bottle)

$1.20 €1.04

$1.08 €0.93

11.11%

Imported Beer (0.33 liter bottle)

$1.68 €1.45

$1.15 €0.99

46.09%

One-way Ticket (Public Transport)

$4.59 €3.95

$3.28 €2.82

39.94%

Public Transport Monthly Pass (Regular Price)

$65.9 €56.7

$55.8 €48.07

18.04%

Taxi Start (Normal Tariff)

$6.43 €5.54

$3.18 €2.74

102.20%

Taxi (Normal Tariff) (1km)

$2.63 €2.27

$2.66 €2.29

-1.13%

Taxi 1hour Waiting (Normal Tariff)

$44.71 €38.50

$35.28 €30.38

26.73%

Gasoline (1 liter)

$1.98 €1.71

$2.03 €1.75

-2.46%

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

$31.4K €27.0K

$34.1K €29.4K

-7.91%

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

$37.1K €31.9K

$35.0K €30.1K

5.94%

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

$403 €347

$354 €304

14.01%

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

$17.06 €14.69

$28.97 €24.95

-41.11%

Internet (50+ Mbps, Unlimited Data)

$46.40 €39.95

$52.7 €45.39

-11.99%

Gym Membership (Monthly)

$51.7 €44.52

$58.9 €50.8

-12.27%

Tennis Court (1 Hour on Weekend)

$34.14 €29.39

$35.24 €30.35

-3.12%

Cinema Ticket

$16.02 €13.80

$12.63 €10.88

26.84%

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

$994 €856

$328 €282

203.45%

International Primary School, 1 Child (Yearly)

$15.3K €13.2K

$18.1K €15.6K

-15.33%

Jeans (Levis 501 Or Similar)

$107 €91.8

$88.0 €75.8

21.14%

Summer Dress (H&M, Zara, etc)

$44.96 €38.71

$26.31 €22.65

70.89%

Sport Shoes (Adidas, Nike)

$98.6 €84.9

$117 €101

-15.88%

Men's Leather Business Shoes

$135 €116

$172 €148

-21.48%

1-bedroom Apartment, City Center (Monthly)

$1,793 €1,544

$926 €798

93.55%

1-bedroom Apartment, Outside City Center (Monthly)

$1,304 €1,123

$728 €627

79.15%

3-bedroom Apartment, City Center (Monthly)

$3,426 €2,950

$1,598 €1,376

114.43%

3-bedroom Apartment, Outside City Center (Monthly)

$2,582 €2,224

$1,213 €1,045

112.86%

Buy Apartment in City Center (m2)

$13.1K €11.3K

$6,439 €5,545

103.48%

Buy Apartment Outside City Center (m2)

$8,953 €7,710

$5,018 €4,321

78.42%

Average Monthly Net Salary (After Tax)

$4,319 €3,719

$4,083 €3,516

5.78%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.97

2.6

52.69%

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

Last update for Munich: June 1, 2026

Last update for Kempten: May 31, 2026

Cost Breakdown

A central one-bedroom costs $1,793 in Munich versus $926 in Kempten. 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 6% 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 $93.0 in Munich versus $57.0 in Kempten. Monthly groceries follow the same trend: $340 vs $328 – making Kempten the more affordable choice for daily food spending.

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

Munich vs Kempten: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,865 in Munich, $2,146 in Kempten – roughly 34% apart. Munich costs more across the board, with Eating Out showing the biggest gap.

For a comfortable life, plan on about $4,297 per month in Munich and $3,218 in Kempten. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

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

Public transport costs about 18% less in Kempten. For daily commuters, that gap adds up to noticeable savings over a year.

Kindergarten costs $994 per month in Munich and $328 in Kempten. For families with young kids, this one expense can tip the scales when choosing between the two cities.

A $3,000 monthly budget goes further in Kempten, where all-in costs run around $2,146, than in Munich at $2,865. In Kempten it covers expenses comfortably, while in Munich it requires careful planning or may not stretch far enough.

It depends on your priorities. Munich has an edge in some lifestyle areas, with costs from $2,146 in Kempten to $2,865 in Munich. Climate, culture, job market, and personal taste all factor in.

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 Kempten. 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.