Last update: Oct 2026

Cost of Living Comparison Between Munich and Osnabruck

For one person, living is cheaper in Osnabruck: $1,956 a month against $2,681 in Munich, rent and utilities included – about $8,700 less a year. Rent and utilities account for most of the difference.

130

Cost of Living Index in Munich
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Munich Living Index
93

Cost of Living Index in Osnabruck
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Osnabruck Living Index

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Munich

🇩🇪 Germany

$2,681

/mo nomad

Osnabruck

🇩🇪 Germany

$1,956

/mo nomad

Monthly Cost of Living

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

A single person spends $2,681 per month in Munich vs $1,956 in Osnabruck, rent included.

Munich $2,681
Osnabruck $1,956

A couple spends around $4,080 per month in Munich vs $2,925 in Osnabruck, rent included.

Munich $4,080
Osnabruck $2,925

A family of three spends $5,480 per month in Munich vs $3,893 in Osnabruck, rent included.

Munich $5,480
Osnabruck $3,893

Munich costs about 37% more than Osnabruck, and outside of rent the biggest gap is in eating out.

Both Munich and Osnabruck sit above the global median – Munich by 97%, Osnabruck by 44%.

Meal at Budget Restaurant

$18.66 €16.72

$13.51 €12.10

38.12%

Three-Course Dinner for Two, Mid-Range

$89.2 €79.9

$77.5 €69.5

15.07%

Fast Food Meal (McDonalds, etc)

$13.38 €11.99

$10.78 €9.66

24.12%

Cappuccino

$4.32 €3.87

$3.92 €3.51

10.20%

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

$3.86 €3.46

$2.91 €2.61

32.65%

Water (0.33 liter bottle)

$3.35 €3.00

$2.89 €2.59

15.92%

Local Beer (0.5 liter draught)

$5.22 €4.68

$4.90 €4.39

6.53%

Imported Beer (0.33 liter bottle)

$5.74 €5.14

$4.00 €3.58

43.50%

Milk (1 liter)

$1.28 €1.15

$1.25 €1.12

2.40%

White Bread (500g)

$2.32 €2.08

$2.37 €2.13

-2.11%

Rice (white) (1kg)

$2.69 €2.41

$3.66 €3.28

-26.50%

Eggs

$4.57 €4.09

$3.49 €3.13

30.95%

Local Cheese (1kg)

$17.92 €16.06

$14.47 €12.96

23.84%

Chicken Fillets (1kg)

$13.29 €11.91

$10.64 €9.53

24.91%

Beef Round Steak (1kg)

$21.85 €19.58

$18.59 €16.66

17.54%

Apples (1kg)

$3.19 €2.86

$3.25 €2.92

-1.85%

Banana (1kg)

$2.01 €1.80

$1.89 €1.69

6.35%

Oranges (1kg)

$2.81 €2.52

$2.17 €1.94

29.49%

Tomato (1kg)

$4.53 €4.06

$4.20 €3.76

7.86%

Potato (1kg)

$1.85 €1.66

$1.42 €1.27

30.28%

Onion (1kg)

$1.83 €1.64

$1.18 €1.06

55.08%

Lettuce (1 head)

$1.50 €1.34

$1.62 €1.45

-7.41%

Water (1.5 liter bottle)

$0.86 €0.77

Cigarettes 20 Pack (Marlboro, Camel)

$11.22 €10.06

$9.95 €8.91

12.76%

Wine (Bottle)

$6.67 €5.98

$6.85 €6.14

-2.63%

Local Beer (0.5 liter bottle)

$1.29 €1.16

$0.99 €0.89

30.30%

Imported Beer (0.33 liter bottle)

$1.60 €1.44

$1.49 €1.33

7.38%

One-way Ticket (Public Transport)

$4.74 €4.25

$3.89 €3.49

21.85%

Public Transport Monthly Pass (Regular Price)

$70.1 €62.8

$70.9 €63.5

-1.14%

Taxi Start (Normal Tariff)

$6.76 €6.06

$5.25 €4.71

28.76%

Taxi (Normal Tariff) (1km)

$3.09 €2.77

$2.76 €2.47

11.96%

Taxi 1hour Waiting (Normal Tariff)

$43.44 €38.92

$36.91 €33.07

17.69%

Gasoline (1 liter)

$2.31 €2.07

$2.09 €1.87

10.53%

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

$33.9K €30.4K

$30.2K €27.0K

12.25%

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

$39.3K €35.2K

$39.1K €35.1K

0.37%

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

$350 €313

$283 €254

23.54%

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

$18.57 €16.64

$30.62 €27.44

-39.35%

Internet (50+ Mbps, Unlimited Data)

$39.33 €35.24

$40.12 €35.95

-1.97%

Gym Membership (Monthly)

$51.8 €46.42

$50.3 €45.08

2.96%

Tennis Court (1 Hour on Weekend)

$33.64 €30.15

Cinema Ticket

$15.92 €14.27

$13.22 €11.85

20.42%

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

$868 €778

$409 €367

112.08%

International Primary School, 1 Child (Yearly)

$16.5K €14.7K

$27.5K €24.6K

-40.12%

Jeans (Levis 501 Or Similar)

$87.7 €78.6

$89.5 €80.2

-1.93%

Summer Dress (H&M, Zara, etc)

$42.09 €37.72

$39.13 €35.06

7.56%

Sport Shoes (Adidas, Nike)

$102 €91.3

$86.9 €77.9

17.21%

Men's Leather Business Shoes

$114 €102

$108 €96.7

5.80%

1-bedroom Apartment, City Center (Monthly)

$1,664 €1,491

$626 €561

166.03%

1-bedroom Apartment, Outside City Center (Monthly)

$1,254 €1,124

$712 €638

76.00%

3-bedroom Apartment, City Center (Monthly)

$3,113 €2,789

$1,675 €1,501

85.83%

3-bedroom Apartment, Outside City Center (Monthly)

$2,352 €2,108

$1,190 €1,067

97.64%

Buy Apartment in City Center (m2)

$12.5K €11.2K

$3,897 €3,492

219.45%

Buy Apartment Outside City Center (m2)

$8,605 €7,711

$3,302 €2,959

160.58%

Average Monthly Net Salary (After Tax)

$4,072 €3,649

$1,678 €1,504

142.68%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.82

3.95

-3.29%

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

Last update for Munich: October 24, 2026

Last update for Osnabruck: October 25, 2026

Monthly budget structure

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

Accommodation & Living

Munich

$1.3K 46.8%

Osnabruck

$712 36.4% 43.2% $541

Monthly Utilities & Internet

Munich

$407 15.2%

Osnabruck

$354 18.1% 13.2% $54

Groceries & Markets

Munich

$361 13.5%

Osnabruck

$319 16.3% 11.6% $42

Eating Out

Munich

$308 11.5%

Osnabruck

$243 12.4% 21% $65

Clothing & Footwear

Munich

$156 5.8%

Osnabruck

$146 7.4% 6.5% $10

Getting Around

Munich

$111 4.2%

Osnabruck

$105 5.4% 5.2% $5.7

Sport & Entertainment

Munich

$84 3.1%

Osnabruck

$77 3.9% 8.2% $6.9

Cost Breakdown

A central one-bedroom costs $1,664 in Munich 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 Munich are about 2.4 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $89 in Munich versus $78 in Osnabruck. Monthly groceries follow the same trend: $361 vs $319 – making Osnabruck the more affordable choice for daily food spending.

Good to know

🇩🇪 Munich

🇩🇪 Osnabruck

🕒 Local time

07:09 7:09 AM

Same time as Munich

🌤 Weather

👥 Population

1,484,226

169,108

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Between locations

Munich Osnabruck 520 km ≈ 1 h 15 min nonstop flight

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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

Munich vs Osnabruck: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $2,681 in Munich, $1,956 in Osnabruck – Osnabruck comes out roughly 27% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $4,021 per month in Munich 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 $1,664 in Munich.

Monthly expenses with rent come to $2,681 in Munich and $1,956 in Osnabruck. That makes Osnabruck about 27% cheaper.

Kindergarten costs $868 per month in Munich 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, Munich makes more sense. Both are solid long-term options with distinct trade-offs.