How Much Does It Cost to Live in Hamburg for a Family?

Hamburg, a city located in one of the richest countries in the world, is known for its quality of life, cultural sites, and robust infrastructure. Many dream of moving to Hamburg, and the first question is perhaps the same: “What about the cost of living?”. This question worries any individual, but it can be even more concerning to families considering relocation. So, with this article, we aim to answer the question “How much does it cost to live in Hamburg for a family?”. Also, we’ll explore the various expenses that you and your family may encounter living in this vibrant city.

Is Rent Expensive in Hamburg?

To begin with, the major factor on this subject is the location and size of the property, and depending on the borough you wish to move to, the prices can vary from €1550/month flat, 63 m², 1 bedroom, or €1900/month for a flat, 83 m², 4 Bedrooms jumping to €2,800/month for a flat, 94 m², 3 bedrooms or €7000/month for a flat, 154 m², 2 Bedrooms. These figures highlight the considerable portion of monthly expenses that go towards housing in Hamburg, making it essential for families to budget accordingly.

How Much Does a Couple Need to Live Comfortably in Germany?

The cost of living in Hamburg can be slightly lower for couples planning to live there, especially without the added expenses of children. A couple might comfortably live on a budget ranging from €2,500 to €3,000 per month, covering all basic expenses, including leisure and occasional dining out. To give you an overview, check out the possible situations and how much they cost for two people with an average salary of €  41.976.

Rent: The final result can be quite relative. It could be higher or lower depending on the city you choose. For example, a simple 1-bedroom, 40 m² in Hamburg could cost you € 950

Electricity:  The average price per kWh in 2023 was 40 cents per kWh for two people (2500kWh).

Grocery and eating out: The average price for two people in 2021 was € 453. Since then, the prices have gone up by 22.3, and now the price per person is € 554. Eating out, a simple meal can cost you € 45: a burger, fries, and a beer. 

Public Transportation: Monthly transportation (Deutschland) costs € 49. But if you prefer to drive, the petrol price is currently € 1.77 per litre.

Mobile Phone and Internet: for a basic monthly plan € 24.10

Leisure: For a movie date prepare to pay 25 € a pair of tickets plus popcorn 9 €

Private Liability Insurance: 11 €  per person 

After going through all these costs, we come to a total of 2788 € for 2 people.

What is a Good Salary in Germany for a Family of Three?

To maintain a comfortable lifestyle in Hamburg, a family of three would ideally have a monthly net income of around €4,000. This figure should cover all basic needs, including housing, food, transport, health insurance, and other regular expenses, allowing for a decent standard of living.

How Much Does a Family of 4 Need in Germany?

When evaluating how much it costs for a family to live in Hamburg, it’s crucial to consider daily expenses beyond rent. These include groceries, utilities, transportation, and healthcare. For a family of four, monthly groceries can average about €600, while utilities might come to around €220. Transportation costs, particularly if using public transit, can add approximately €200 to monthly expenses. Given these figures, a rough estimate would suggest that a family of four would need between approximately €3,000 and €5,500 monthly to live comfortably in Hamburg, excluding any luxury expenses or savings. This estimate places Hamburg as a city with a moderately high cost of living compared to other cities globally, providing a good quality of life but requiring careful financial planning​.

Educational Costs

Education is another significant factor. Hamburg offers various educational institutions, from public schools (which are free) to private international schools, where tuition can range from €15,000 to €25,000 annually. This variance in educational costs significantly affects families’ overall budgets.

Healthcare Costs

According to the European Observatory on Health Systems and Policies, health insurance is mandatory in Germany and has nearly universal coverage. Whether you choose the statutory public healthcare, private, or other valid form for tourists, for example, you must have health insurance in Germany, irrespective of whether you are employed or unemployed. 

Family costs will depend on whether they choose public or private insurance. In public insurance, costs are relatively predictable and linked to income, while in private insurance, costs can vary widely based on many personal factors. Public health insurance is often more cost-effective for families, especially considering the coverage for dependents.

Where Do Expats Live in Hamburg?

In Hamburg, expatriates often gravitate towards neighbourhoods that balance vibrant community life with the convenience of urban amenities. Establishing a strong community connection is crucial, especially for families with children who benefit from forming relationships that foster personal identity and social integration. Neighbourhoods like Hamburg-Nord, Eimsbüttel and Wandsbek are particularly popular among ex-pats.

Hamburg-Nord provides a serene setting close to natural landscapes, ideal for families looking for tranquillity without straying far from the urban core. The area is known for its spacious parks and recreational areas, offering plenty of opportunities for outdoor activities and community engagement.

Eimsbüttel is renowned for its blend of historic charm and modern conveniences, offering numerous cafes, shops, and local services, all encapsulated within a friendly community atmosphere. This district’s appeal lies in its accessibility and family-friendly environment, making it an attractive choice for expats.

Wandsbek offers a quieter lifestyle than the bustling city centre. It is favoured for its affordability and solid community infrastructure, including schools, parks, and shopping areas. It perfectly balances those seeking a suburban feel with convenient city access.

Shifting to Hamburg

Working with a reliable international European removal company can streamline the process when considering a move to Hamburg. Our services ensure that your transition is as smooth as possible. Whether relocating for work or family or just seeking a new life in one of Germany’s most attractive cities, understanding how much it costs to live in Hamburg for a family is crucial in planning your move. Our team offers expert advice and efficient services to help you settle into your new home without hassle.

So, Will You and Your Family Relocate to Hamburg?

While Hamburg offers a high quality of life, preparing for the city’s relatively high living costs is also important. By understanding the various expenses and planning accordingly, families can enjoy all that this innovative city has to offer.