Last update: Oct 2026

Cost of Living Comparison Between Osnabruck and Munich

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.

93

Cost of Living Index in Osnabruck
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Osnabruck Living Index
130

Cost of Living Index in Munich
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Munich Living Index

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Osnabruck

🇩🇪 Germany

$1,956

/mo nomad

Munich

🇩🇪 Germany

$2,681

/mo nomad

Monthly Cost of Living

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

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

Osnabruck $1,956
Munich $2,681

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

Osnabruck $2,925
Munich $4,080

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

Osnabruck $3,893
Munich $5,480

Osnabruck is about 27% cheaper than Munich, and outside of rent the biggest gap is in eating out.

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

Meal at Budget Restaurant

$13.51 €12.10

$18.66 €16.71

-27.60%

Three-Course Dinner for Two, Mid-Range

$77.5 €69.4

$89.2 €79.9

-13.09%

Fast Food Meal (McDonalds, etc)

$10.78 €9.66

$13.38 €11.99

-19.43%

Cappuccino

$3.92 €3.51

$4.32 €3.87

-9.26%

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

$2.91 €2.61

$3.86 €3.46

-24.61%

Water (0.33 liter bottle)

$2.89 €2.59

$3.35 €3.00

-13.73%

Local Beer (0.5 liter draught)

$4.90 €4.39

$5.22 €4.67

-6.13%

Imported Beer (0.33 liter bottle)

$4.00 €3.58

$5.74 €5.14

-30.31%

Milk (1 liter)

$1.25 €1.12

$1.28 €1.15

-2.34%

White Bread (500g)

$2.37 €2.12

$2.32 €2.08

2.16%

Rice (white) (1kg)

$3.66 €3.27

$2.69 €2.41

36.06%

Eggs

$3.49 €3.13

$4.57 €4.09

-23.63%

Local Cheese (1kg)

$14.47 €12.96

$17.92 €16.05

-19.25%

Chicken Fillets (1kg)

$10.64 €9.53

$13.29 €11.91

-19.94%

Beef Round Steak (1kg)

$18.59 €16.65

$21.85 €19.57

-14.92%

Apples (1kg)

$3.25 €2.91

$3.19 €2.85

1.88%

Banana (1kg)

$1.89 €1.69

$2.01 €1.80

-5.97%

Oranges (1kg)

$2.17 €1.94

$2.81 €2.52

-22.78%

Tomato (1kg)

$4.20 €3.76

$4.53 €4.05

-7.28%

Potato (1kg)

$1.42 €1.27

$1.85 €1.66

-23.24%

Onion (1kg)

$1.18 €1.06

$1.83 €1.64

-35.52%

Lettuce (1 head)

$1.62 €1.45

$1.50 €1.34

8.00%

Water (1.5 liter bottle)

$0.86 €0.77

Cigarettes 20 Pack (Marlboro, Camel)

$9.95 €8.91

$11.22 €10.05

-11.32%

Wine (Bottle)

$6.85 €6.13

$6.67 €5.97

2.70%

Local Beer (0.5 liter bottle)

$0.99 €0.89

$1.29 €1.16

-23.26%

Imported Beer (0.33 liter bottle)

$1.49 €1.33

$1.60 €1.44

-6.88%

One-way Ticket (Public Transport)

$3.89 €3.48

$4.74 €4.24

-17.93%

Public Transport Monthly Pass (Regular Price)

$70.9 €63.5

$70.1 €62.7

1.16%

Taxi Start (Normal Tariff)

$5.25 €4.70

$6.76 €6.06

-22.34%

Taxi (Normal Tariff) (1km)

$2.76 €2.47

$3.09 €2.77

-10.68%

Taxi 1hour Waiting (Normal Tariff)

$36.91 €33.05

$43.44 €38.90

-15.03%

Gasoline (1 liter)

$2.09 €1.87

$2.31 €2.07

-9.52%

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

$30.2K €27.0K

$33.9K €30.3K

-10.91%

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

$39.1K €35.0K

$39.3K €35.2K

-0.37%

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

$283 €253

$350 €313

-19.05%

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

$30.62 €27.42

$18.57 €16.63

64.89%

Internet (50+ Mbps, Unlimited Data)

$40.12 €35.93

$39.33 €35.22

2.01%

Gym Membership (Monthly)

$50.3 €45.06

$51.8 €46.39

-2.88%

Tennis Court (1 Hour on Weekend)

$33.64 €30.13

Cinema Ticket

$13.22 €11.84

$15.92 €14.26

-16.96%

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

$409 €367

$868 €778

-52.85%

International Primary School, 1 Child (Yearly)

$27.5K €24.6K

$16.5K €14.7K

66.99%

Jeans (Levis 501 Or Similar)

$89.5 €80.1

$87.7 €78.6

1.97%

Summer Dress (H&M, Zara, etc)

$39.13 €35.04

$42.09 €37.70

-7.03%

Sport Shoes (Adidas, Nike)

$86.9 €77.8

$102 €91.2

-14.68%

Men's Leather Business Shoes

$108 €96.6

$114 €102

-5.48%

1-bedroom Apartment, City Center (Monthly)

$626 €560

$1,664 €1,490

-62.41%

1-bedroom Apartment, Outside City Center (Monthly)

$712 €638

$1,254 €1,123

-43.18%

3-bedroom Apartment, City Center (Monthly)

$1,675 €1,500

$3,113 €2,788

-46.19%

3-bedroom Apartment, Outside City Center (Monthly)

$1,190 €1,066

$2,352 €2,107

-49.40%

Buy Apartment in City Center (m2)

$3,897 €3,490

$12.5K €11.2K

-68.70%

Buy Apartment Outside City Center (m2)

$3,302 €2,958

$8,605 €7,707

-61.62%

Average Monthly Net Salary (After Tax)

$1,678 €1,503

$4,072 €3,647

-58.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

3.95

3.82

3.40%

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

Last update for Osnabruck: October 25, 2026

Last update for Munich: October 24, 2026

Monthly budget structure

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

Accommodation & Living

Osnabruck

$712 36.4%

Munich

$1.3K 46.8% 76% $541

Monthly Utilities & Internet

Osnabruck

$354 18.1%

Munich

$407 15.2% 15.2% $54

Groceries & Markets

Osnabruck

$319 16.3%

Munich

$361 13.5% 13.1% $42

Eating Out

Osnabruck

$243 12.4%

Munich

$308 11.5% 26.6% $65

Clothing & Footwear

Osnabruck

$146 7.4%

Munich

$156 5.8% 6.9% $10

Getting Around

Osnabruck

$105 5.4%

Munich

$111 4.2% 5.4% $5.7

Sport & Entertainment

Osnabruck

$77 3.9%

Munich

$84 3.1% 9% $6.9

Cost Breakdown

A central one-bedroom costs $626 in Osnabruck 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 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 $78 in Osnabruck versus $89 in Munich. Monthly groceries follow the same trend: $319 vs $361 – making Osnabruck the more affordable choice for daily food spending.

Good to know

🇩🇪 Osnabruck

🇩🇪 Munich

🕒 Local time

12:09 12:09 PM

Same time as Osnabruck

🌤 Weather

👥 Population

169,108

1,484,226

💱 Currency

Euro EUR €

📈 Exchange rate

1 EUR = 1.12 USD

Exchange rates and currency converter

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Between locations

Osnabruck Munich 520 km ≈ 1 h 15 min nonstop flight

From you

Osnabruck
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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

Osnabruck vs Munich: Cost of Living - Frequently Asked Questions

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

For a comfortable life, plan on about $2,935 per month in Osnabruck and $4,021 in Munich. 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 $1,956 in Osnabruck and $2,681 in Munich. That makes Osnabruck about 27% cheaper.

Kindergarten costs $409 per month in Osnabruck and $868 in Munich. 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.