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Cost of Living in Waterloo - Updated Prices & Insights

Solo nomad: Estimated monthly costs are $1,199 (excluding rent), and $2,475 including rent.
Family of 3: Estimated monthly costs are $3,103 (excluding rent), and $4,356 including rent.
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๐Ÿฝ Eating Out
Cost
Range
Meal at Budget Restaurant
$28.92 โ‚ฌ24.92
$13.88 โ‚ฌ11.96
$40.49 โ‚ฌ34.89
Three-Course Dinner for Two, Mid-Range
$102 โ‚ฌ88
$68.1 โ‚ฌ58.7
$136 โ‚ฌ117
Fast Food Meal (McDonalds, etc)
$13.98 โ‚ฌ12.05
$11.64 โ‚ฌ10.03
$17.47 โ‚ฌ15.06
Cappuccino
$4.68 โ‚ฌ4.04
$3.18 โ‚ฌ2.74
$5.12 โ‚ฌ4.41
Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)
$3.57 โ‚ฌ3.08
$3.57 โ‚ฌ3.08
$4.17 โ‚ฌ3.59
Water (0.33 liter bottle)
$3.25 โ‚ฌ2.8
$2.29 โ‚ฌ1.98
$4.6 โ‚ฌ3.96
Local Beer (0.5 liter draught)
$5.86 โ‚ฌ5.05
$4.1 โ‚ฌ3.53
$7.61 โ‚ฌ6.55
Imported Beer (0.33 liter bottle)
$5.88 โ‚ฌ5.07
$4.12 โ‚ฌ3.55
$7.05 โ‚ฌ6.08
๐Ÿ›’ Groceries & Markets
Cost
Range
Milk (1 liter)
$1.48 โ‚ฌ1.28
$0.68 โ‚ฌ0.58
$1.71 โ‚ฌ1.47
White Bread (500g)
$2.72 โ‚ฌ2.35
$1.31 โ‚ฌ1.13
$4.65 โ‚ฌ4.01
Rice (white) (1kg)
$2.31 โ‚ฌ1.99
$1.15 โ‚ฌ0.99
$4.58 โ‚ฌ3.95
Eggs
$4.31 โ‚ฌ3.72
$2.62 โ‚ฌ2.26
$6.4 โ‚ฌ5.52
Local Cheese (1kg)
$16.39 โ‚ฌ14.12
$8.1 โ‚ฌ6.98
$57 โ‚ฌ49.14
Chicken Fillets (1kg)
$12.97 โ‚ฌ11.18
$7.07 โ‚ฌ6.09
$15.33 โ‚ฌ13.21
Beef Round Steak (1kg)
$18.85 โ‚ฌ16.24
$7.56 โ‚ฌ6.51
$27.93 โ‚ฌ24.07
Apples (1kg)
$3 โ‚ฌ2.59
$1.38 โ‚ฌ1.19
$3.45 โ‚ฌ2.97
Banana (1kg)
$2.38 โ‚ฌ2.05
$1.66 โ‚ฌ1.43
$4.56 โ‚ฌ3.93
Oranges (1kg)
$2.64 โ‚ฌ2.28
$1.7 โ‚ฌ1.46
$3.38 โ‚ฌ2.91
Tomato (1kg)
$3.06 โ‚ฌ2.64
$1.15 โ‚ฌ0.99
$6.88 โ‚ฌ5.93
Potato (1kg)
$1.9 โ‚ฌ1.64
$1.18 โ‚ฌ1.02
$4.7 โ‚ฌ4.05
Onion (1kg)
$2.07 โ‚ฌ1.78
$1.14 โ‚ฌ0.99
$3.42 โ‚ฌ2.95
Lettuce (1 head)
$1.31 โ‚ฌ1.13
$1.13 โ‚ฌ0.97
$2.24 โ‚ฌ1.93
Water (1.5 liter bottle)
$0.95 โ‚ฌ0.82
$0.53 โ‚ฌ0.46
$2.35 โ‚ฌ2.03
Cigarettes 20 Pack (Marlboro, Camel)
$12.66 โ‚ฌ10.91
$10.02 โ‚ฌ8.63
$14.14 โ‚ฌ12.18
Wine (Bottle)
$9.39 โ‚ฌ8.09
$5.9 โ‚ฌ5.08
$17.71 โ‚ฌ15.26
Local Beer (0.5 liter bottle)
$1.99 โ‚ฌ1.72
$1.17 โ‚ฌ1.01
$4.69 โ‚ฌ4.04
Imported Beer (0.33 liter bottle)
$3.01 โ‚ฌ2.59
$1.17 โ‚ฌ1.01
$5.84 โ‚ฌ5.03
๐ŸšŒ Getting Around
Cost
Range
One-way Ticket (Public Transport)
$2.92 โ‚ฌ2.51
$2.92 โ‚ฌ2.51
$3.5 โ‚ฌ3.02
Public Transport Monthly Pass (Regular Price)
$56 โ‚ฌ48.25
$25.71 โ‚ฌ22.16
$56 โ‚ฌ48.25
Taxi Start (Normal Tariff)
$7.56 โ‚ฌ6.51
$4.65 โ‚ฌ4.01
$17.45 โ‚ฌ15.04
Taxi (Normal Tariff) (1km)
$2.43 โ‚ฌ2.09
$2.11 โ‚ฌ1.82
$5.27 โ‚ฌ4.54
Taxi 1hour Waiting (Normal Tariff)
$34.36 โ‚ฌ29.61
$27.49 โ‚ฌ23.69
$67.6 โ‚ฌ58.2
Gasoline (1 liter)
$1.84 โ‚ฌ1.59
$1.76 โ‚ฌ1.51
$2.02 โ‚ฌ1.74
Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)
$33.5K โ‚ฌ28.9K
$28.6K โ‚ฌ24.6K
$37.5K โ‚ฌ32.3K
Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)
$35.8K โ‚ฌ30.8K
$28.8K โ‚ฌ24.8K
$38.1K โ‚ฌ32.8K
๐Ÿงพ Monthly Utilities & Internet
Cost
Range
Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)
$229 โ‚ฌ197
$133 โ‚ฌ114
$323 โ‚ฌ279
SIM Card Monthly Plan (Calls and 10GB+ Data)
$22.02 โ‚ฌ18.98
$13.91 โ‚ฌ11.99
$28.97 โ‚ฌ24.97
Internet (50+ Mbps, Unlimited Data)
$51.4 โ‚ฌ44.29
$38.84 โ‚ฌ33.47
$72.3 โ‚ฌ62.3
๐ŸŽ‰ Sport & Entertainment
Cost
Range
Gym Membership (Monthly)
$33.08 โ‚ฌ28.5
$29.18 โ‚ฌ25.15
$35.03 โ‚ฌ30.18
Tennis Court (1 Hour on Weekend)
$16.73 โ‚ฌ14.42
$9.13 โ‚ฌ7.87
$16.73 โ‚ฌ14.42
Cinema Ticket
$14.9 โ‚ฌ12.84
$9.17 โ‚ฌ7.9
$20.62 โ‚ฌ17.77
๐Ÿงธ Childcare & Education
Cost
Range
Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)
$802 โ‚ฌ691
$802 โ‚ฌ691
$974 โ‚ฌ840
International Primary School, 1 Child (Yearly)
$22.2K โ‚ฌ19.1K
$11.5K โ‚ฌ9,889
$34.4K โ‚ฌ29.7K
๐Ÿ‘•๐Ÿ‘Ÿ Clothing & Footwear
Cost
Range
Jeans (Levis 501 Or Similar)
$107 โ‚ฌ92.3
$58.5 โ‚ฌ50.4
$133 โ‚ฌ115
Summer Dress (H&M, Zara, etc)
$48.88 โ‚ฌ42.12
$17.3 โ‚ฌ14.91
$80.7 โ‚ฌ69.6
Sport Shoes (Adidas, Nike)
$117 โ‚ฌ101
$76 โ‚ฌ65.5
$152 โ‚ฌ131
Men's Leather Business Shoes
$156 โ‚ฌ134
$88.3 โ‚ฌ76.1
$177 โ‚ฌ152
๐Ÿ  Accommodation & Living
Cost
Range
1-bedroom Apartment, City Center (Monthly)
$1,062 โ‚ฌ915
$1,024 โ‚ฌ883
$1,138 โ‚ฌ981
1-bedroom Apartment, Outside City Center (Monthly)
$1,041 โ‚ฌ897
$925 โ‚ฌ797
$1,156 โ‚ฌ996
3-bedroom Apartment, City Center (Monthly)
$1,352 โ‚ฌ1,165
$1,098 โ‚ฌ946
$1,618 โ‚ฌ1,394
3-bedroom Apartment, Outside City Center (Monthly)
$1,108 โ‚ฌ955
$933 โ‚ฌ804
$1,283 โ‚ฌ1,106
Buy Apartment in City Center (m2)
$3,431 โ‚ฌ2,956
-
๐Ÿ’ต Salaries & Financials
Cost
Range
Average Monthly Net Salary (After Tax)
$2,539 โ‚ฌ2,188
-
20-Year Fixed Mortgage Interest Rate (Annual %)
3.74
3
4

Citycost data is based on AI and user input โ€“ minor inaccuracies may occur.

Last update: November 24, 2025

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Cost of Living in Waterloo - Frequently Asked Questions
How does Waterloo compare in overall affordability for travelers, expats, and digital nomads?
Waterloo offers a calm base with easy access to Brussels, appealing for travelers and remote workers who want lower noise and costs than the city center. The townโ€™s compact, walkable layout, reliable services, and diverse dining options make daily life simple. Housing tends toward apartment living in friendly neighborhoods, often with good value relative to larger cities. For budgeting, youโ€™ll appreciate flexible transit, local markets, and a mix of cafรฉs and coworking spaces that reduce daily expenses while staying productive. Cost of Living in Waterloo tends to be approachable for longer stays when you prioritize local options over tourist spots. Tip: Start with a short-term stay in one neighborhood, then expand your search by rail to nearby towns.
What does a typical day look like in Waterloo for housing search, food, transport, and coworking?
On a typical day in Waterloo, you might start with a cafรฉ breakfast, pick up fresh produce at a local market, then settle into a productive work session at a nearby coworking space or a quiet apartment desk. Housing searches usually happen through local listings or agency help, with proximity to the train station or a bus line guiding your choice. For meals, Belgian staples and international options sit within easy reach, and youโ€™ll find bakeries ideal for quick lunches. Waterloo living cost tends to be predictable, helping you budget groceries, transit, and occasional outings. Transport links to Brussels are efficient, with cycling lanes and pleasant walking routes completing a comfortable routine. Tip: Keep a flexible plan and book longer tickets for regular trips.
Whatโ€™s your recommended approach to quality of life, budgeting, and neighborhood fit in Waterloo?
Quality of life in Waterloo depends on finding a neighborhood that matches your pace, whether you want easy rail access to Brussels, quiet residential streets, or proximity to parks and cafรฉs. A practical budgeting framework blends housing, utilities, groceries, transport passes, and occasional social activities. Start with a shortlist of neighborhoods by walkability, access to a station, and noise levels at different times of day; visit at weekends and evenings to sense rhythm. Seasonality matters: summers bring outdoor markets and longer daylight, winters favor indoor options like libraries and coworking venues. Tip: use a two- to three-month trial to compare neighborhoods before committing to a longer lease.
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