Cost of Living in Germany for Indian Students in 2025

Germany is a preferred destination for students and families from almost all parts of the world, owing to its various advantages. The cost of living in Germany for Indian students is relatively affordable compared to other Western nations, making it an attractive option for higher education. Germany offers a superior quality of life in tandem with ample job opportunities and interesting traditions and cultural facets. It has one of the world’s most well-developed and biggest economies with a stable and well-developed labour market. Germany is also one of the most preferred countries for research, innovation, and successful professional careers. Add to that its rich history, tourist landmarks, intriguing castles, and the beautiful architecture all around. The beautiful German towns aside, there are heritage castles and innumerable landmarks, including museums, cultural centres, and other buildings, which draw thousands from various corners of the planet. However, before zeroing in on anything, it is important to delve deeper into the cost of living in Germany.

An interesting fact to remember is that German university students usually stay closer to home while attending their universities and many people live in their parents’ homes. The remainder usually chooses cheaper rentals and apartments. A smaller chunk of students resides in dormitories. The cost of living in Germany for international students is mostly non-prohibitive, particularly when compared to average living costs in Europe. 

Being flexible with your budget and location will help you thrive in Germany on a budget. The average cost may hover around 850 Euros as living costs. Costs of clothing, food and cultural activities are just a little more than the average in the EU (European Union). Students in Germany usually spend roughly 850 Euros every month on average as living costs. You will require approximately 10, 300+ Euros annually in living costs and close to 40% of global students will want to find student residences owing to lower costs hovering around 300 EUR per month. Costs can increase to 1300 EUR every month, depending upon lifestyle preferences.

Cost of Living in Germany for Indian Students in 2025

For Indian students, the cost of living in Germany is approximately 10,200-12,000 EUR per year. The cost of living is also determined by the university’s location. Cities like Berlin and Munich, for example, are slightly more expensive if we compare them with the rest of Germany. In addition to low living costs, most universities do not charge tuition fees as they are state-run. Students will, however, be required to pay enrollment and administration fees each semester.

Here is a table summarizing the cost of living in Germany for Indian students in  2025:

Category	Average Monthly Cost (EUR)	Range (EUR)
Accommodation	350-700	250-1000
Food	250-350	200-500
Transportation	80-120	50-150
Health Insurance	80-100	70-120
Textbooks and Supplies	50-80	30-100
Entertainment and Leisure	100-200	50-300
Total	860-1550	650-2150

Additional Notes:

• These are average costs and may vary depending on your lifestyle, city, and individual needs.
• Some cities, such as Munich and Berlin, are more expensive than others.
• You may be able to save money by cooking at home, using public transportation, and taking advantage of student discounts.
• It is important to budget carefully and be aware of your spending habits.

Here are some additional tips for saving money in Germany:

• Apply for scholarships and grants.
• Work part-time.
• Take advantage of student discounts.
• Cook at home instead of eating out.
• Use public transportation instead of taxis or ride-sharing services.
• Avoid impulse purchases.

Country-Wise Cost of Living Guides

• Cost of Living in Australia
• Cost of Living in Ireland
• Cost of Living in Canada
• Cost of Living in Europe
• Cost of Living in United Kingdom
• Cost of Living Singapore
• Cost of Living in Netherlands
• Cost of Living in France
• Cost of Living in Switzerland
• Cost of Living in Spain
• Cost of Living in Quebec
• Cost of Living in Dublin

List of Necessary Items and Their Cost

In Germany, the cost of basic foods and beverages is not too expensive. The average cost of some of the necessary items and their costs is listed below:

Items	Cost
White bread (500g)	1.24 €
Milk (1 liter)	0.71 €
Eggs (12)	1.64 €
Rice (1kg, white)	2.03 €
Potato (1kg)	1.06 €
Onion (1kg)	1.09 €
Chicken (1kg)	7.53 €
Tomato (1kg)	2.62 €
Beef (1kg)	11.65 €
Apples (1kg)	2.22 €
Banana (1kg)	1.58 €
Oranges (1kg)	2.29 €

Average Rent in Germany

Accommodation is the most expensive part of living in Germany for international students. As a student, your costs vary depending on the type of housing and region you choose to live in. Munich and Stuttgart are the most costly cities in Germany to live in. Living in Dortmund, on the other hand, can be quite affordable.

In Germany, the average monthly cost of rented accommodation is:

German City	Average Rent In Germany
Aachen	€535
Augsburg	€613.57
Berlin	€790
Bochum	€400
Bonn	€650
Cologne	€700- €800
Dresden	€500
Frankfurt	€860 – €870
Hamburg	€800 – €868
Leipzig	€500
Mainz	€650
Munich	€1000- €1200
Stuttgart	€850

Recommended Read: How to study in Germany for free for Indian Students?

Study Cost and University Tuition Fee in Germany

Public Universities:

Germany strongly believes that education should not be commercialized, which is why studying at public universities in Germany is free. The German government aspires to provide equitable educational opportunities for all citizens while also ensuring the country’s commercial and economic progress by providing free basic and higher education. Even for overseas students, academic programs are tuition-free, which has contributed significantly to the country’s attractiveness as a study destination. Apart from that, the immigration procedures for international students are relatively straightforward. The average cost of public university programs ranges from ₹12,000 (€147) to ₹130,000 (€1,597) a year.

The average tuition fees for public universities in Germany:

University	Average Tuition Fee
Ludwig Maximilian University	€244/year
Technical University of Munich	€144/year
University of Heidelberg	€364/year
Humboldt University Berlin	€620/year
Karlsruhe Institute of Technology	€1500/year
Technical University of Berlin	€308/year
Free University of Berlin	€354/year
RWTH Aachen University	No Tuition Fees for International Students

Private Universities:

Private universities levy tuition fees on both domestic and international students. The average cost of private university programs ranges from ₹1,21,000 (€1,486.99) to ₹28,30,000 (€34,778).

The average tuition fees for Private universities in Germany:

University	Average Tuition Fee
Bard College Berlin	€28,700
CODE University of Applied Sciences	€9800
Munich Business School	€24,000
EBC Hochschule	€10,000
GISMA Business School	€20,000
Friedensau Adventist University	€3,500
Hertie School of Governance	€32,500
SRH Hochschule Berlin	€10,000
University of Applied Sciences Europe	€1,400
WHU – Otto Beisheim School of Management	€15,000

Apply Now: Master in International Management in Germany

Transportation 

The cost of commuting around the city is included in the cost of living in Germany for students. Traveling across Germany and within Germany’s cities is relatively convenient because the country’s public transportation systems are well-planned and well-connected with trains and buses. As a result, transportation costs have little impact on the cost of living in Germany.

Mode of Transportation	Cost
Bus	€70/month
Train	€19-50/month
Taxi	€3-50 upwards

Cost of Utilities and Bills

Besides housing rent, there will be a need to cover monthly bills for heating, electricity, water, and garbage. In Germany, a person will have to pay 29.42 cents for a kilowatt-hour (CT/kWh). If living with roommates, of course, there will be sharing of these expenses. In some cases, these bills are included in the rent, so there is no need to pay any extras for these utilities.

More Resources to Read About Germany:

Germany Post Study Work Visa	Study in Germany after 12th	How to apply for German Universities
Salary after MS in Germany	Study MS in Germany without IELTS	Germany Job Seeker Visa
Free Education in Germany	Job Opportunities in Germany after MS	MBA Cost in Germany
Part time Jobs in Germany for Indian Students	Data Science Course in Germany	Cost of living in Germany

Affordable Cities to Live in Germany

The below table shows the 10 most affordable cities along with their estimated living costs in Germany for Indian students:

City	Estimated Cost of Living (Monthly in Euros)
Munich	1300-2000
Frankfurt	1150-1800
Hamburg	1100-1750
Berlin	1100-1750
Heidelberg	1100-1700
Cologne	1100-1650
Bonn	1100-1650
Stuttgart	1100-1650
Dusseldorf	1050-1600
Wiesbaden	1050-1550

Cost of living in Munich

Munich has the highest cost of living in Germany for a single person. The average monthly cost hovers around 890 EUR while most of the costs like food prices and cost of amenities remain almost the same across most German cities, what really makes the difference is the rent. Munich has the highest number of listed companies and major universities making it ideal for studies and well-paid work.

Type of cost	Monthly Cost (approx.)
Rent	890 EUR (INR 78,000)
Food	400 EUR (INR 35,000)
Transportation	180 EUR (INR 16,000)
Amenities (electricity, heating, water, garbage)	265 EUR (INR 23,000)

Cost of living in Berlin

Berlin is not only the capital of Germany but also the largest city in the country. While the cost of living in Berlin is lower than in cities like Munich and Frankfurt, it is still higher than most other German cities. The average monthly cost of living in Berlin hovers around 825 EUR.

Type of cost	Monthly Cost (approx.)
Rent	825 EUR (INR 72,000)
Food	355 EUR (INR 31,000)
Transportation	255 EUR (INR 22,000)
Amenities (electricity, heating, water, garbage)	250 EUR (INR 21,800)

Cost of living in Frankfurt

Frankfurt is a centrally located city and is close to many other cities. However, it is one of Germany’s most expensive cities. The average monthly cost of living in Frankfurt hovers around 880 EUR. With an industrial background, it does offer a lot of work opportunities.

Type of cost	Monthly Cost (approx.)
Rent	880 EUR (INR 77,800)
Food	360 EUR (INR 31,500)
Transportation	169 EUR (INR 15,000)
Amenities (electricity, heating, water, garbage)	275 EUR (INR 24,000)

Cost of Living in Germany Compared to other European Countries

The living expenses in Germany are lower than in most other European countries. It doesn’t mean the standard of living but the cost of living. It is influenced by many different aspects like food, transport, living amenities, etc. The following table will help you compare the cost of living in Germany for a single person with that of other popular open countries:

Country	Monthly cost of living (approx.)
Germany	861 EUR (INR 75,000)
France	1,300 EUR (INR 1,13,000)
UK	1,660 EUR (INR 1,45,000)
Switzerland	2,150 EUR (INR 1,88,000)
Denmark	1,580 EUR (INR 1,38,000)
Austria	1,390 EUR (INR 1,21,000)
Sweden	1,300 EUR (INR 1,13,000)

Cost of Living in Germany vs India

Reports suggest that living in Germany is over 200% costlier than living in India, on average. The cost is influenced by various factors like food, transport, rent, cost of amenities, etc. The following table of comparison of some of the basic aspects will shed some light on the cost of living in Germany for Indian students:

Cost type	Germany	India
Cost of living (One person)	861 EUR	365 EUR
Rent (One bedroom apartment)	650 EUR	140 EUR
Food Expenses	350 EUR	145 EUR
Transport Expenses	107 EUR	40 EUR
Internet connection	34 EUR	9.5 EUR
Basic utilities (garbage, water, electricity)	123 EUR	24 EUR

Costs and Types of Health Insurance in Germany for International Students

Health insurance expenditure affects the overall living cost in Germany for students. So, students aged under 30 years and who are admitted to a degree course in a recognized German institution can go for special student discounts for public health insurance. Students aged under 23 years can pay 105.05 EUR and those aged over 23 years can pay 106.93 as a part of their monthly living expenses in Germany. It covers both public healthcare and nursing care.

International students aged over 30 years can go for either public or private health insurance. It is possible to find private plans costing below the public healthcare premiums. It can cost as low as 40 EUR monthly along with a few variable costs.

However, it is ideal for students who have already found jobs to select public health insurance. It is paid in the form of social security contributions of around 14.6% of the gross salary. The overall amount is equally shared between the employer and employee and is capped at 360 EUR a month. The top public health insurance providers in Germany are TK, Barmer, KKH, and AOK.

Monthly public health insurance premiums for students aged below 30 years:

• KKH – Kaufmännische Krankenkasse 111.75 EUR
• Barmer 108.77 EUR
• AOK Baden Württemberg 107.29 EUR
• DAK Gesundheit 111.75 EUR
• TK – Techniker Krankenkasse 105.80 (103.94 for students aged 22 or below)

Students aged over 30 years, studying in postgraduate or non-graduate programs, and are without a job can opt for private health insurance like EDUCARE24. The premiums start at around 33 EUR and go up to 130 EUR monthly.

Tips to Save Money in Germany 

Here are some handy tips for saving money during your time in Germany: 

1. Sports –

A gym membership at a neighbouring location is often prohibitively expensive. Finding outdoor sports clubs can help students save money while also meeting new people and staying in shape.

2. Choosing supermarkets wisely –

Numerous supermarkets in Germany sell low-cost grocery items. These places can be preferred over pricey shopping centres. Inquire with locals or native students about farmers’ markets, where fresh produce can be found at reasonable prices. Pay attention to supermarket sales and special offers, and buy in bulk. Students in Germany are entitled to discounts at cafes, restaurants, theatres, libraries, and museums, among other places, if they present their student ID cards.

3. Transportation –

Students should go to their local transportation provider’s website. In most cases, special student fares are significantly less expensive than ordinary fares. The semester ticket is sometimes cited as why students aspire to study in Germany. Bicycling is a common and comfortable way to commute short to medium distances.

4. Share when you can-

It is always cheaper and more fun to share with roommates and friends. This arrangement is common in Germany where it is known as Wohngemeinschaft or WG. Here, flatmates usually join forces to sign their tenancy agreements, thereby saving a whopping EUR 100-200 individually in several scenarios. There are several online portals such as WG-Gesucht and other communities for finding flatmates. 

5. Arrange for an additional source of income –

Students can work part-time after college or on weekends to supplement their income. It may or may not be high-paying or relevant to their academics, but it should be able to assist them in earning some extra pocket money that they can either save or use for personal purposes. International students can work up to 120 full days and 240 half-days every year.

Related Reads:

• How important is the German language to survive in Germany?
• Germany vs. Canada: Which is better for study abroad?
• How to Build a Career in Data Science in Germany even if you are not an Engineer?
• Germany: A Dream Study Abroad Destination

Work Opportunities After Studying in Germany

Germany offers excellent work opportunities for international students after graduation, making it a top choice for career-focused individuals. With a strong economy and a thriving job market, Germany provides numerous employment prospects across industries like engineering, IT, healthcare, and finance. The country’s demand for skilled professionals, coupled with favorable immigration policies, makes it easier for international graduates to transition into the workforce. Moreover, Germany's work regulations, such as the Blue Card scheme and entrepreneurship opportunities, further enhance career prospects for students looking to build a future in the country.

Below are key aspects of working in Germany after graduation:

1. Job Market
Germany has a stable and growing job market with a high demand for skilled workers in STEM fields, healthcare, and business management. Many global companies have their headquarters in Germany, offering attractive employment options for international graduates.

2. Work Permit Regulations
After completing their studies, international students can apply for an 18-month job-seeking visa to find suitable employment. Once employed, they can obtain a work permit or a Blue Card for long-term stay.

3. Blue Card Scheme
The EU Blue Card is designed for highly skilled workers and allows non-EU graduates to live and work in Germany with a competitive salary. It provides a pathway to permanent residency.

4. Entrepreneurship
Germany encourages international graduates to start their own businesses. With access to funding, startup hubs, and government support, students with innovative ideas can build successful ventures in Germany.

5. Long-Term Prospects
Graduates who work in Germany for several years can apply for permanent residency, making it an ideal destination for those looking to settle in Europe.

Important Resources to Read for Study in Germany:

Student Visa for Germany	Education System in Germany	Scholarship for MS in Germany
Master in Automotive Engineering in Germany	Scholarships for Indian Students in Germany	Student Accommodation in Berlin
MBA in Germany Without GMAT	Reasons to Study at IU Germany	MS in Data Science in Germany
Master of Business Administration in Germany	Master in Computer Science in Germany	MIM in Germany

CONCLUSION

Germany remains one of the most affordable study destinations in Europe, offering high-quality education with low or no tuition fees at public universities. While the cost of living in Germany for Indian students in 2025 depends on the city and lifestyle, essential expenses such as accommodation, food, transportation, and health insurance typically range between €900-€1,500 per month.

Students can manage their expenses through part-time jobs, scholarships, and student discounts on travel and essentials. With a strong economy, excellent academic institutions, and abundant job opportunities, Germany continues to be an attractive destination for Indian students seeking quality education at an affordable cost. If you are planning to study in Germany, proper financial planning and exploring funding options can help make your academic journey smooth and cost-effective.