How Much Does It Cost to Live in Hamburg, Germany?

Hamburg is a large city located in Germany with a metropolitan area population of 1,762,791. A couple could live a moderate lifestyle in Hamburg on a budget of $3,121 per month, or $37,456 per year.

Cost of Living in Hamburg, Germany

As noted above, the cost of living in Hamburg, Germany is $3,121 per month for a couple living a moderate lifestyle. This budget consists of $1,747 for housing related costs, $489 for food, and $885 for other costs, all of which will be broken down below.


  • A one-bedroom apartment in the city center of Hamburg is estimated to cost $1,365
  • Basic utilities including electricity, water, and gas will run about $336
  • High-speed internet averages $46


  • Typical grocery costs of $365 per month include things like bread, eggs, milk, cheese, rice, chicken breast, bottled water, fruits, and vegetables
  • Alcohol including beer and wine for moderate home consumption costs about $41
  • Frequent coffees in a neighborhood café are estimated to be about $84


  • Meals out are estimated to be $456 per month, including 4 meals in mid-range restaurants and 8 in inexpensive restaurants
  • Transportation costs of $260 for public transport passes and occasional taxis
  • Fitness center memberships of $99
  • Cinema tickets of $69 include several outings for international releases

Note that Hamburg, Germany is a very walkable city with a Walk Score of 93/100, which means you won’t need a car if you are living in the city center and you may even save some money by not using public transportation and taxis very often.

Amount of Money Needed to Retire in Hamburg, Germany

Many people searching the internet for the cost of living in Hamburg, Germany are doing so to see if and when they can quit their jobs and retire. A popular and easy way to calculate your retirement number is using the 4% Rule.

The 4% Rule estimates that a person(s) could withdraw 4% of their retirement nest egg and never run out of money. Using this calculation, a couple would need an investment portfolio of $936,411 to live a moderate lifestyle in Hamburg, Germany.

Annual expenses of $37,456 ÷ 4% = $936,411 portfolio needed.

Of course, everyone’s financial situation is different, and the above calculation could change based on any other sources of passive income and social security income.


Overall, the cost of living in Hamburg, Germany is affordable coming in at $3,121 for a couple living a moderate lifestyle. Those seeking to retire could do so comfortably with a retirement portfolio of $936,411.