What is the Cost of Living for a Couple in Berlin – Incl Monthly Expenses 2020

  • Last Updated on March 13, 2020
a couple enjoying the low cost of living in Berlin
Compare the cost of a couple living in Berlin, Germany.

Comparing the cost of living in Berlin with your city is a great way to get an idea of what things costs abroad.

If you’re planning to move to Germany, you may be wondering how much it costs to live in Berlin. As a couple who has recently relocated, we’ll demystify if Berlin is affordable compared to the city you live in.

Perhaps you’re thinking of taking up a new job, moving your business or maybe you’re planning to further your studies. Whatever your reason may be, this guide will list every expense you’ll need to consider to live in Berlin.

This comprehensive guide includes what you can expect to pay for rent, groceries, healthcare, transport, gym, entertainment and more. We’ve also included a list of the most cost effective companies we use, so you can easily settle into your new life abroad.

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Cost of Living in Berlin

Living in a vibrant European city like Berlin is exciting. Not only because of how diverse it is in terms of its population, but also because of the choice you have as a consumer.

Whether you like to live the high life or you prefer to spend carefully, Berlin has an option for you. We’ll cover all the options we came across when we looked at the cost of living in Berlin.

What is the Average Rent in Berlin

Even though rent in Berlin is still considered low compared to other cities in Western Europe, it’s no secret that prices have increased rapidly over the last decade. So much so that it’s caused unrest amongst residents, prompting government to introduce rent caps and rent freezes in the city.

This can only be good news for the cost of living in Berlin. But it’s not always the case. Some landlords ignore or try to find a way around these laws, demanding high rentals from unsuspecting tenants.

The average rent in the city recently breached €10 per square meter for an unfurnished apartment. You can expect to pay up to €13 in sought after areas (Friedrichshain and Mitte) and €8 in the city limits (Spandau and Marzahn). Average monthly utilities (water, gas, heating, electricity and waste disposal) cost €2.5 to €3 per square meter.

We found the perfect centrally located apartment on the property rental site Immobilienscout24. We pay €1,180 per month for a fully furnished 65m² (700 Sqft) apartment including all utilities (water, heating, electricity and TV tax).

Immobilienscout24 online property rental portal logo
Find your perfect new home online.

Buying Groceries in Berlin

If you’re a foodie like us, then you’ll be happy to hear that groceries in Berlin are amongst the cheapest in Europe. Mid-priced supermarkets such as Rewe and Edeka usually have the best deals for everything you’d need under the sun.

But there are what seems to be an infinite number of supermarkets to suit every pallet. These include budget supermarkets such as ALDI and Lidl. If you prefer organic food, you can find them at premium supermarkets such as BioMarkt and Bio Company.

In order to keep our cost of living low, we opt to cook most of our meals. Not only is dining in cheaper than eating out, it’s also healthier as you control what goes into your food.

Our grocery bill rarely exceeds €400 per month. And that also includes cleaning detergents, coffee beans, wine, and everything one would usually buy at a supermarket.

Cost of Health Insurance in Berlin

Choosing the right health insurance in a country you know very little about sounds daunting. Knowing which health insurance company is the best in Germany is important if you don’t want the fuss of reading through pages and pages of policy documents.

The gold standard of health insurance in Germany is Techniker Krankenkasse (TK). TK is the largest public health insurer in the country and it will set you back up to 15% of your monthly income. If you’re employed, your employer may contribute up to half of your monthly premium.

We opted for private health insurance because we don’t currently qualify for TK as they consider us to be freelancers. Long story short, we plan to join TK once we’re able to fulfil their criteria for self-employed individuals.

Best Health Insurance for Expats in Germany

We’re covered by Mawista for €59 per month per person. It’s the best basic medical insurance for expats we could find in Germany.

Mawista offers different plans which cover an array of insurance benefits. But unlike TK, you’ll have to pay for your medical treatment first and then send the invoice to Mawista for reimbursement.

Mawista is not as comprehensive as TK but covers all the essentials. It’s also a great option if you want good basic health care while reducing your cost of living in Berlin.

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Berlin Public Transport

Getting around Berlin is as easy as 1, 2, 3 or 4. The city boasts a well-connected public transport system, so getting around with tram, subway, train or bus is a breeze. Public transport also helps keep the cost of living in Berlin low as it’s cheaper than other European cities.

The public transport services in Berlin is managed by BVG. You’ll notice their bright yellow sign the minute you arrive in the city. They offer various commuter fare options which includes single trip, daily, weekly and monthly tickets.

BVG Berlin public transport logo
The easy way to get around in Berlin.

As we work from home, we take advantage of the BVG 10am flexible monthly ticket. It allows us to take any public transport, but only from 10am week days. And we only pay €61 per month for the ticket.

If you prefer to drive or need a car once in a while, you also have access to car sharing services such as ShareNow (previously DriveNow and Car2Go) and Miles. If driving is not your thing, no problem. You can pick-up a bicycle via bike sharing or scooter (Lime or Bird) along virtually any street in Berlin. If you opt for the bike sharing option, you can save €42 a month! Find out more in our Berlin bike sharing guide. And if you just want to get home after a night out, Uber or Taxi is the way to go.

Not sure if cycling is for you? Why not try cycling in Berlin for a day and see if the cycling lifestyle is for you. Follow our Berlin Wall by bike tour and follow the story of the Berlin Wall while visiting all the top historical attractions in the city.

Private Liability and Contents Insurance in Germany

Private liability insurance is the most important insurance in Germany, second only to mandatory health insurance. It simply covers you if you harm another person physically or damage their property in any way.

There are hundreds of insurers ready to offer you cover. A simple search online will reveal companies such as Coya offering private liability insurance from as little as €4.29 per month.

Coya liability insurance logo
Get private liability insurance easily online.

While it’s not mandatory to get contents insurance, it’s still a good idea if you own valuable possessions. Insurance companies such as Lemonade even cover your items when they’re outside your home.

And if you want to cover the shortfall from your health insurance, you can take out dental insurance from companies such as Getsafe. These are just a handful of insurers out of many that offer an array of cover in Germany.

If you’d like to maximise your cost of living in Berlin, consider spreading your cover across Coya, Getsafe and Lemonade. We did precisely that in order to get the cheapest premiums for each type of cover. Our cover for contents and liability insurance sets us back a total of €10 per month.

Internet Providers in Berlin

If you’re reading this article, it means that you can’t live without the internet. Don’t feel bad, we also rely on the Internet for pretty much everything we do.

Although Internet is not Germany’s strongest point, (strange, right?) there is connectivity at the end of the tunnel. Just don’t expect uninterrupted connectivity 100% of the time. Allow a 10% margin of error.

Internet is super cheap which helps reduce your cost of living in Berlin. Companies such as Vodafone, T-Mobile and O2 offer speeds up to 1000mbps. We pay €20 per month for a 200mbps line which is more than sufficient to run our online business.

Which German Bank is the Best for You

Banks know that banking in general is a very competitive industry in Germany. So they’re always looking for ways to lure you in with the best deals to suit your spending habits.

The best deal for us is paying zero banking fees. That’s right, €0.00 per month! With Revolut, we haven’t paid any fees since arriving in Berlin. And that really helps us keep our cost of living low.

Revolut mobile bank logo
Pay zero fees with the best bank in Berlin.

Mobile banks offering accounts with zero bank charges include Revolut, N26 and Monese. If you prefer a traditional bank and don’t mind paying fees, check out Deutsche Bank, Sparkasse or Postbank.

Gym in Berlin

If you’re looking to join a gym in Berlin, then you’ll be spoilt for choice. There are literally hundreds of gyms spread across the city so joining a gym will be quick and easy.

The only hard part about joining a gym is choosing which one to join. As not one single company dominates the city, you’ll have to consider deals from gyms trying to out-do each other.

A 12 month membership at gyms such as McFit, John Reed and SuperFit cost no more than €20 per month. But if you prefer premium gyms such as Fitness First, be prepared to pay upwards of €50 per month.

We decided to go with Holmes Place because they have a sauna, pool and are quieter compared to cheaper gyms. Our gym memberships sets us back €59 per month, but it’s totally worth it at less than €2 per day. Your body is your temple after all.

Cost of a Night Out in Berlin

Eating out, clubbing, exploring Christmas markets and entertainment in general all costs money. The frequency at which you partake in these things will determine the amount of money you should budget.

As the cost of living in Berlin is lower compared to other European cities, you’ll be pleasantly surprised that things cost less. Here’s a range of prices from lowest to most expensive you can expect to pay for entertainment in Berlin:

  • Meal for Two (including wine): €30 – €250
  • Night Club Entrance: €5 – €18
  • Glass of Wine: €3 – €8
  • Cocktail: €5 – €13
  • Beer: €3 – €6
  • Movie: €5 – €12
  • Fast Food: €1 – €10
  • Theatre: €10 – €100
  • Cup of Coffee: €2 – €5

As you can see, the range of the cost of entertainment in Berlin is quite broad. How much to budget will depend on where your preferences lie between the low and high end of these ranges.

On average, we spend €200 per month on entertainment which includes dining out at least once a week. But because it’s not illegal to drink in public in Berlin, we often pre-drink along the way before painting the city red.

Other Costs to Consider when Living in Berlin

If you haven’t heard about it yet, then we’ll be happy to be the horse’s mouth. German TV Tax is a real thing. So don’t be surprised if you receive a letter in the post requesting payment after you move into your new home.

We’ve personally don’t pay for the TV licence fee because it’s included in our rent. But we’ve heard stories about the insistent letters demanding payment of €17.50 per month. There are ways of avoiding the fee, but rather budget for it so there are no surprises when you arrive.

Another cost to consider is coffee. The coffee drinking culture in Berlin is huge (said in a Trump voice). It’s simply what people do. Coffee can easily set you back over €100 per month blowing the lid of your cost of living in Berlin wide open.

We brew our own coffee every morning using appliances we bought from Amazon. At less than €0.40 per cup, we keep our cost of living in check while sipping on the best lattes in Deutschland.

Summary: Our Cost of Living in Berlin

We’ve been living in Berlin for half a year and we’ve settled quite well into our new life as expats.

We’ve also worked out that cost of living in Berlin is low compared to most in-demand cities around the world.

Here’s a summary of our monthly expenses for two in Berlin:

ItemProviderAmount
Rentvia Immobilienscout24€1,180
GroceriesRewe / Edeka€400
EntertainmentN/A€200
Health InsuranceMawista€118 (€59 per Person)
GymHolmes Place€119.80 (€59.90 per Person)
TransportBVG€122 (€61 per Person)
Internet (200 mbps)Vodafone€20
Insurance (Contents & Liability)Coya / Lemonade€10
BankingRevolut€0
CoffeeUs€0
Total€2,169.80 (€1,084.90 per Person)

Whatever your reason is for moving to Berlin, we hope that our cost of living will help you decide if the city is for you.

When you arrive, check out our guide about how to open a bank account in Germany without a permanent address. And when you’ve found that perfect apartment, check out this guide about how to register your address in Germany.

In the meantime, you may want to practise your German on Duolingo. And if you like this article, you may be interested in how you can use VPN to travel for cheap.

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