Cost of living in Germany vs UK 2027: moving guide

Germany often surprises people from the UK: it is one of Europe's largest economies, yet many everyday costs, especially rent outside the big cities and public transport, can be lower than at home. If you are moving to Germany from the UK in 2027, the short answer is that your costs depend heavily on where you settle. Munich and Frankfurt can feel as expensive as parts of London, while Berlin, Leipzig and many smaller cities remain more affordable.

This guide compares the cost of living in Germany and the UK side by side, then looks at four popular cities. If you are still deciding where to settle, our guide to the best places to live in Germany covers the cities and towns British movers choose most often.

Germany vs UK cost of living: side by side (2026 figures)

The table below uses the latest official or reputable figures available in 2026. Exchange rates move, so compare costs in the same currency at the time you plan your budget.

Note: The German salary figure is an average (mean) and the UK figure is a median, so the German number is pulled upwards by high earners. Taken together, take-home pay in Germany tends to be lower as a share of gross salary than in the UK because of higher social contributions, while rent and transport often cost less.

What is the cost of living in Germany?

There is no single figure, because costs change sharply between regions. Rent is the biggest variable. Census data from the Federal Statistical Office shows that existing tenants in Munich pay well over one and a half times the national average per square metre, while Berlin sits close to the national figure. New tenancies are usually more expensive than these averages, because they reflect current market rents.

Energy is the cost most likely to catch British movers out. German household electricity is among the most expensive in Europe, so look closely at the "Nebenkosten" (additional costs for heating, water and building services) when you compare flats. A "Warmmiete" (warm rent) includes these, while "Kaltmiete" (cold rent) does not.

Transport is where many people save. The Deutschlandticket covers buses, trams, U-Bahn, S-Bahn and regional trains across the whole country for one monthly price, which compares very well with UK commuting costs.

Cost of living in Berlin

Berlin remains one of the more affordable major capitals in Western Europe, although rents have risen strongly over the past decade and demand for flats is high. Prices vary by district: areas such as Charlottenburg and Mitte are typically pricier than districts further out.

Eating out is good value, helped by a large international population and a thriving street food scene. Many British movers find that everyday spending on food and drink is lower than in London.

Cost of living in Munich

Munich has the highest rents of any large German city, and finding a flat can take time. Salaries in sectors such as engineering, technology and finance are also among the highest in Germany, which helps balance the books for many professionals.

Beyond rent, budget for health insurance contributions, energy and eating out, which are all noticeably higher than in most other German cities.

Cost of living in Hamburg

Hamburg sits between Berlin and Munich on cost. It is a wealthy port city and a hub for media, logistics and trade, which supports both salaries and rents. Rent is generally higher than in Berlin and lower than in Munich, and food and leisure costs follow a similar pattern.

Cost of living in Frankfurt

Frankfurt is one of Germany's most expensive cities, driven by its role as a financial centre and home of the European Central Bank. Expect higher rents than most German cities and a competitive rental market for furnished flats.

Your first few months can feel more expensive, as you may pay a rental deposit (often up to three months' cold rent), furniture and registration costs at once. Groceries are manageable if you shop around, as the city has a wide range of supermarkets from discount to premium.

Moving to Germany from the UK: what you need to know

Visas and residence after Brexit

Since 1 January 2021, UK nationals need a residence permit to live in Germany for more than 90 days in any 180. According to GOV.UK's Living in Germany guide, you can get a visa or residence permit to work, study, join family, volunteer or carry out research. If you did not apply before leaving the UK, you must book an appointment with your local Foreigners' Authority (Ausländerbehörde) within 90 days of arriving. Always check the current rules with the German missions in the UK before you book your move.

Registering your address (Anmeldung)

You must register your address at your local registration office (Bürgeramt) within 14 days of moving in. You will need a confirmation from your landlord (Wohnungsgeberbestätigung). After registering, you receive your tax ID number (Steueridentifikationsnummer) by post, which your employer needs to pay you correctly.

Health insurance, tax and driving

Health insurance is compulsory for residents, usually through a statutory health insurer (Krankenkasse) arranged with your employer. The UK has a double taxation agreement with Germany. You can drive on a UK licence for up to six months after becoming resident, after which you need to exchange it for a German licence, as set out by GOV.UK.

Removals to Germany from the UK

Most UK to Germany moves travel by road, which means your belongings can be collected from your home and delivered to your new address without being transferred between containers. Smaller moves can share space on a vehicle (groupage), which is often more economical, while larger moves may justify a dedicated vehicle. Costs depend on the volume of your belongings, the distance and the services you choose, such as packing.

Our international removals team can survey your home, pack your belongings with our packing services and deliver to your new address in Germany. If you are not taking everything straight away, self storage from £18 lets you keep items safely in the UK. Choose a secure facility to keep your belongings safe at all times. Our moving abroad checklist helps you plan each stage.

Moving from Germany to the UK

If you are moving from Germany to the UK, deregister your address (Abmeldung) at the Bürgeramt before you leave and cancel German contracts such as health insurance, broadband and the broadcasting fee. Non-UK nationals need the right UK immigration status before moving. When you arrive, our guide to who to inform when moving house helps you update your details in the UK.

Tips to keep costs down in Germany

• Compare warm rent, not cold rent, when choosing a flat
• Buy a Deutschlandticket if you commute regularly
• Shop at discount supermarkets and local markets
• Check your energy contract and switch supplier if you can
• Consider smaller cities with good rail links, such as Leipzig, Hanover or Düsseldorf

Frequently asked questions

• Is Germany cheaper to live in than the UK?

In many areas, yes, mainly because rent and public transport cost less. Electricity is usually more expensive, and social contributions reduce take-home pay. Munich and Frankfurt can be as costly as parts of London.

• How much do I need to earn to live comfortably in Germany?

It depends on the city and your household. A salary that feels comfortable in Leipzig may be tight in Munich. Build your budget around local warm rent, health insurance and tax, then add food, transport and energy.

• Can I move to Germany from the UK without a job?

Possibly, but you need a residence permit that suits your plans, such as for study, family or job seeking. Check the current options with the German missions in the UK before you move.

• Do I have to register my address in Germany?

Yes. You must register at your local Bürgeramt within 14 days of moving in. You need this registration for many other tasks, including receiving your tax ID.

• How long do removals to Germany from the UK take?

Road moves to Germany typically take days rather than weeks, depending on whether you have a dedicated vehicle or share space. Your removal company will give you a timescale after surveying your belongings.

• Can I drive in Germany on my UK licence?

Yes, for up to six months after becoming resident. After that, you need to exchange your UK licence for a German one.

Thinking about moving to Germany from the UK? Request a free quote for your international move, or get in touch with our expert team for personalised advice.