Cost Of Living For a Couple in Netherlands 2024

Couple cost of living chart - average monthly expenditure in Netherlands

Average Monthly Expenditure

Currency: EUR
1,800 5,500 30,000
MINIMUM AVERAGE MAXIMUM
$2,000 $6,000 $32,000

Average monthly spending for couples in Netherlands

How much money does a couple need in a month to survive in Netherlands?

Couples in Netherlands spend around 5,500 EUR per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 1,800 EUR or as high as 30,000 EUR. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Netherlands


Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Netherlands

Dining, food, and beverages costs


Fast food combo meal

5.3 EUR 11 EUR 18 EUR
MINIMUM AVERAGE MAXIMUM
$5.7 $11 $19

Restaurant meal for one

18 EUR 26 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$19 $28 $57

Fine dining meal for one

35 EUR 53 EUR 210 EUR
MINIMUM AVERAGE MAXIMUM
$38 $57 $230

Cappuccino or latte

4.4 EUR 7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$4.7 $7.6 $11

Grocery and market costs


Milk large bottle

3.5 EUR 4.2 EUR 5.3 EUR
MINIMUM AVERAGE MAXIMUM
$3.8 $4.6 $5.7

12 eggs

2.6 EUR 3.5 EUR 5.3 EUR
MINIMUM AVERAGE MAXIMUM
$2.8 $3.8 $5.7

Fresh whole chicken

6 EUR 7.7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$6.5 $8.4 $12

Pack of beef

7 EUR 11 EUR 21 EUR
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

Medium bag of rice

2.8 EUR 3.9 EUR 5.5 EUR
MINIMUM AVERAGE MAXIMUM
$3.1 $4.2 $5.9

Bag of tomatos

1.1 EUR 1.4 EUR 2.6 EUR
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $2.8

Bag of apples

1.9 EUR 2.5 EUR 4 EUR
MINIMUM AVERAGE MAXIMUM
$2 $2.7 $4.4
Chart showing the prices and cost of commute, travel, and transportation in Netherlands


Commute, travel, and transportation costs


20 minutes taxi ride

4.4 EUR 5.3 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$4.7 $5.7 $11

Average car full tank

26 EUR 35 EUR 70 EUR
MINIMUM AVERAGE MAXIMUM
$28 $38 $76

Average car 1-day rental

26 EUR 35 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$28 $38 $57

Average car price

13,000 EUR 26,000 EUR 35,000 EUR
MINIMUM AVERAGE MAXIMUM
$14,000 $28,000 $38,000

Bus ticket one way

0.88 EUR 1.3 EUR 2.6 EUR
MINIMUM AVERAGE MAXIMUM
$0.95 $1.4 $2.8

Car Service

35 EUR 53 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$38 $57 $110
Chart showing the prices and cost of utility, energy, water, and gas in Netherlands


Utility cost (monthly)


Utility Bill - Couple

74 EUR 250 EUR 1,600 EUR
MINIMUM AVERAGE MAXIMUM
$80 $270 $1,800

Internet and cable

26 EUR 53 EUR 70 EUR
MINIMUM AVERAGE MAXIMUM
$28 $57 $76

Mobile phone charges

21 EUR 35 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$23 $38 $110

Leisure and activities costs


Movie ticket

13 EUR 18 EUR 26 EUR
MINIMUM AVERAGE MAXIMUM
$14 $19 $28

One month gym membership

42 EUR 53 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$46 $57 $110
Chart showing the prices and cost of clothing and accessories in Netherlands


Cloths and accessories costs


Pair of jeans or pants

31 EUR 44 EUR 66 EUR
MINIMUM AVERAGE MAXIMUM
$33 $47 $71

Woman dress

29 EUR 40 EUR 130 EUR
MINIMUM AVERAGE MAXIMUM
$32 $44 $140

Woman shoes

28 EUR 38 EUR 88 EUR
MINIMUM AVERAGE MAXIMUM
$30 $41 $95

Men's shoes

24 EUR 29 EUR 58 EUR
MINIMUM AVERAGE MAXIMUM
$26 $32 $63

Men suit

26 EUR 33 EUR 180 EUR
MINIMUM AVERAGE MAXIMUM
$28 $36 $190

Regular t-shirt

13 EUR 18 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$14 $19 $57
Chart showing the prices and cost of housing, accommodation, and rent in Netherlands


Housing costs / monthly rent


Studio apartment

440 EUR 660 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$470 $710 $1,900

1-bedroom apartment

660 EUR 1,100 EUR 2,600 EUR
MINIMUM AVERAGE MAXIMUM
$710 $1,100 $2,800

2-bedroom apartment

880 EUR 1,300 EUR 3,500 EUR
MINIMUM AVERAGE MAXIMUM
$950 $1,400 $3,800

Housing costs / Buying


Studio apartment

88,000 EUR 130,000 EUR 260,000 EUR
MINIMUM AVERAGE MAXIMUM
$95,000 $140,000 $280,000

1-bedroom apartment

110,000 EUR 180,000 EUR 660,000 EUR
MINIMUM AVERAGE MAXIMUM
$110,000 $190,000 $710,000

2-bedroom apartment

180,000 EUR 530,000 EUR 1.1M EUR
MINIMUM AVERAGE MAXIMUM
$190,000 $570,000 $1.1M
Chart showing the prices and cost of furniture in Netherlands


Furniture Costs


King Size Bed

530 EUR 660 EUR 880 EUR
MINIMUM AVERAGE MAXIMUM
$570 $710 $950

Double Bed

350 EUR 530 EUR 660 EUR
MINIMUM AVERAGE MAXIMUM
$380 $570 $710

Single Bed

310 EUR 400 EUR 530 EUR
MINIMUM AVERAGE MAXIMUM
$330 $440 $570

Living Room

580 EUR 750 EUR 2,600 EUR
MINIMUM AVERAGE MAXIMUM
$630 $810 $2,800

Dining Table

260 EUR 350 EUR 660 EUR
MINIMUM AVERAGE MAXIMUM
$280 $380 $710

Sofa or Couch

350 EUR 480 EUR 1,100 EUR
MINIMUM AVERAGE MAXIMUM
$380 $520 $1,100
Chart showing the prices and cost of electronic devices and appliances in Netherlands


Electronics and House Appliance Costs


TV Set

350 EUR 530 EUR 1,100 EUR
MINIMUM AVERAGE MAXIMUM
$380 $570 $1,100

Fridge or Freezer

310 EUR 480 EUR 660 EUR
MINIMUM AVERAGE MAXIMUM
$330 $520 $710

Washing Machine

400 EUR 580 EUR 1,100 EUR
MINIMUM AVERAGE MAXIMUM
$440 $630 $1,100

Stove or Cooker

380 EUR 480 EUR 660 EUR
MINIMUM AVERAGE MAXIMUM
$410 $520 $710

Mobile Phone

440 EUR 530 EUR 750 EUR
MINIMUM AVERAGE MAXIMUM
$470 $570 $810

Laptop or Computer

480 EUR 580 EUR 1,100 EUR
MINIMUM AVERAGE MAXIMUM
$520 $630 $1,100
Couple cost of living and expenditure to income ratio in Netherlands

Couple expenditure to income ratio in Netherlands

Analysing the how affordable it is for couples to live in Netherlands

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.


Spending to Income Ratio

77%

68% to 87%

( expenditure / income ) x 100


Couples in Netherlands spend around 77% of their monthly income. Some couples spend as low as 68% of their income while some as high as 87%.

Distribution of monthly cost of living expenses of a couple in Netherlands

How do couples spend their money in Netherlands?

We asked thousands of couples about their spending habits and expenditure break down.


The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing and accomodation expenditure for couples

Accomodation Cost32%

32% of total expenses on average (25% to 42%)

LOW$680   630 EUR
AVERAGE$2,000   1,900 EUR
HIGH$11,000   10,000 EUR
Per Month

Couples in Netherlands typically spend from 25% to 42% of their total monthly expenditure on housing with 32% being the average. The average monthly spend on housing is 1,900 EUR with expenditure ranging from 630 EUR to 10,000 EUR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Cost of utilities5%

5% of total expenses on average (3% to 9%)

LOW$80   74 EUR
AVERAGE$270   250 EUR
HIGH$1,800   1,600 EUR
Per Month

Utility expenditure like electricity, water, and gas in Netherlands ranges from 3% to 9% of total expenses with 5% being the average for most couples. The average monthly cost of utilities is 250 EUR with 74 EUR and 1,600 EUR being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel11%

11% of total expenses on average (5% to 16%)

LOW$240   220 EUR
AVERAGE$720   660 EUR
HIGH$3,800   3,500 EUR
Per Month

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 220 EUR to 3,500 EUR in a month on commuting with 660 EUR being the norm for most couples. This means that money spent on transport constitutes about 11% of total spending on average but can go as low as 5% or as high as 16%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost15%

15% of total expenses on average (10% to 20%)

LOW$280   260 EUR
AVERAGE$840   780 EUR
HIGH$4,500   4,100 EUR
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Netherlands is 780 EUR. The cost of groceries can range between 260 EUR to 4,100 EUR. Couples spend on average about 15% on food and groceries with upper and lower bounds of 10% and 20% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare12%

12% of total expenses on average (6% to 16%)

LOW$220   200 EUR
AVERAGE$660   610 EUR
HIGH$3,500   3,200 EUR
Per Month

Couples in Netherlands allocate 6% to 16% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 12%. The range of medical expenses range from 200 EUR to 3,200 EUR with 610 EUR being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping6%

6% of total expenses on average (3% to 9%)

LOW$120   110 EUR
AVERAGE$360   330 EUR
HIGH$1,900   1,800 EUR
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 110 EUR to 1,800 EUR with 330 EUR being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 6% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling2%

2% of total expenses on average (1% to 4%)

LOW$40   37 EUR
AVERAGE$120   110 EUR
HIGH$640   590 EUR
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 2% of the monthly expenditure of couples with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 110 EUR per month with 37 EUR being the minimum spent amount and 590 EUR being the maximum.

Other Expenses18%

18% of total expenses on average (12% to 24%)

LOW$340   310 EUR
AVERAGE$1,000   940 EUR
HIGH$5,400   5,000 EUR
Per Month
Percentage of couples who manage to save money from their income every month in Netherlands

What percentage of couples in Netherlands are able to save money and how much can they save?


Percentage of couples that reported their ability to save money


Saving Money
69%
Not Saving
31%

Almost 69% of surveyed couples in Netherlands said that they can save some money at the end of each month while 31% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Netherlands

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


How much money do couples manage to add to their savings?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.

Saving to Income Ratio

14% 24% of income 34%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

780 EUR
$850
2,300 EUR
$2,500
12,000 EUR
$14,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%31%
10% - 20%24%
20% - 30%18%
30% - 40%13%
40% - 50%10%
> 50%4%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 14% to 34% of their monthly income to their savings, with 24% being the average for most couples. The average monthly amount of money that couples can put aside is 2,300 EUR with 780 EUR and 12,000 EUR being the minimum and maximum respectively.

Reasons that make it difficult for couples to save money in Netherlands

Saving Challenges in Netherlands

Reasons that make it difficult for couples to save money

We wanted to understand what is stopping couples from maximizing their savings in Netherlands. Listed below are the answers given by the survey participants.


Reason% People
Low Income7%
High Expenses10%
Debt and Loans21%
Lack of Budgeting Skills9%
Impulsive Spending8%
Financial Emergencies5%
Living the moment8%
Will do it later14%
Inflation9%
Social Pressure4%
Market Instability4%

Around 7% of the couples said that their salary is too low to accommodate a portion for savings while 10% said that the high cost of living leaves little room for savings. 21% of the residents said that they are burdened with debt and find it challenging to save money. 9% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 8% of couples blamed impulsive spending as the reason for saving inability. Around 5% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 8% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 14% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 9% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 4% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 4% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Netherlands

Typical saving choices for couples in Netherlands

Where do people choose to put their savings?


Saving Type% People
Emergency Funds10%
Gold8%
Savings Accounts18%
Retirement Accounts12%
Cash Savings13%
Real Estate11%
Investment7%
Stocks7%
Bonds7%
Mutual Funds4%
Certificates of Deposit4%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical for couples to live in Netherlands

Affordable living in Netherlands

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Netherlands?


Yes
83%
No
17%

Around 83% of surveyed couples think that living in Netherlands is affordable with proper budgeting while 17% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for couples. Are there plenty of low-cost options in Netherlands

Low-cost alternatives in Netherlands

People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options64%

Few low-cost options36%


Based on the survey, 64% of the couples living in Netherlands have no problem finding low-cost alternatives to support a frugal lifestyle while 36% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples of Netherlands whether they have an emergency fund and the answers were as follows.

Yes83%

No17%


Based on the survey, 17% of the couples living in Netherlands said that they don't have an emergency fund while 83% said that they do.

Financial literacy and difficulty in budgeting and financial planning for couples in Netherlands

Financial Literacy in Netherlands

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy78%


We asked couple guardians and parents in Netherlands whether they acquired any adequate personal financial training in their lives. Approximately 22% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 78% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of Netherlands have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 12% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 88% said that they have everything under control.

Struggles with finance12%

Easily manages finances88%

Financial goals and targets of couples living in Netherlands

Financial goals of couples in Netherlands

In an attempt to understand the economic situation in Netherlands, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund6%
Debt Reduction27%
Retirement Savings6%
Education Funding9%
Homeownership16%
Investing10%
Travel or Lifestyle13%
Healthcare Expenses6%
Financial Independence11%

Around 6% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 27% said their number one priority is to pay off high-interest debt or loans and improve credit. 6% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 9% reported that their priority is saving for the tuition fees and education costs of their children while 16% choose to buy a home or pay off existing mortgage before other things. 10% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 13% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 6% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of couples who are in debt in Netherlands

Debt, loans, and mortgages in Netherlands


Percentage of couples who are in debt


In Debt
21%
Debt Free
79%

According to the survey, 21% of the couples in Netherlands have some kind of debt, loan, mortgage, or credit card payments while 79% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Netherlands

Debt-to-income ratio in Netherlands

Debt to income ratio

26%

17% to 36%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 26% of a couple's monthly income in Netherlands goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%2%
50% - 60%7%
40% - 50%9%
30% - 40%11%
20% - 30%18%
10% - 20%23%
0% - 10%29%

According to our data, 2% of the debtors in Netherlands pay 60%+ of their income as debt settlement while 7% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 9% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 11% dedicated 30% to 40% of income for same. Things are looking brighter for 18% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Netherlands

Debt% People
Real Estate Mortgage16%
Auto Loan27%
Student Loan2%
Credit Card22%
Personal Loan32%

16% of debtors in Netherlands confirm that real estate mortgages constitutes the main part of their outstanding debt while 22% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 27% of people and personal loans rose at 32%. Lastly, student loans are the main source of debt for 2% of debtors in Netherlands.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Netherlands

Besides measuring the loan-to-income ratio, we asked couples of Netherlands how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never58%
Once a year21%
Twice a year10%
Three times a year7%
Four times a year3%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Netherlands

Housing costs, accommodation, and housing affordability in Netherlands

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Netherlands

Monthly Rent Prices

Studio apartment monthly rent cost

440 EUR 660 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$470 $710 $1,900

1-bedroom apartment monthly rent cost

660 EUR 1,100 EUR 2,600 EUR
MINIMUM AVERAGE MAXIMUM
$710 $1,100 $2,800

2-bedroom apartment monthly rent cost

880 EUR 1,300 EUR 3,500 EUR
MINIMUM AVERAGE MAXIMUM
$950 $1,400 $3,800

3-bedroom apartment monthly rent cost

1,100 EUR 1,800 EUR 4,800 EUR
MINIMUM AVERAGE MAXIMUM
$1,100 $1,900 $5,200

Furnished apartment monthly rent cost

2,100 EUR 5,300 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,300 $5,700 $11,000

Townhouse monthly rent cost

1,800 EUR 2,600 EUR 7,500 EUR
MINIMUM AVERAGE MAXIMUM
$1,900 $2,800 $8,100

House monthly rent cost

2,100 EUR 5,300 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,300 $5,700 $11,000

Villa monthly rent cost

2,600 EUR 6,600 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,800 $7,100 $11,000

The monthly rental cost of a studio apartment in Netherlands ranges between 440 EUR and 1,800 EUR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 660 EUR to 2,600 EUR. Two-bedroom rentals rate ranges between 880 EUR and 3,500 EUR per month. The monthly rental for a three-bedroom apartment ranges from 1,100 EUR to 4,800 EUR. The average rent of a townhouse in Netherlands is around 2,600 EUR while house rental costs can be as high as 5,300 EUR per month. Finally, if you want to rent a villa, expect to pay anywhere from 2,600 EUR to 11,000 EUR per month.



Apartment and house prices in Netherlands

Cost of buying a property

Studio apartment price

88,000 EUR 130,000 EUR 260,000 EUR
MINIMUM AVERAGE MAXIMUM
$95,000 $140,000 $280,000

1-bedroom apartment price

110,000 EUR 180,000 EUR 660,000 EUR
MINIMUM AVERAGE MAXIMUM
$110,000 $190,000 $710,000

2-bedroom apartment price

180,000 EUR 530,000 EUR 1.1M EUR
MINIMUM AVERAGE MAXIMUM
$190,000 $570,000 $1.1M

3-bedroom apartment price

580,000 EUR 880,000 EUR 2.6M EUR
MINIMUM AVERAGE MAXIMUM
$630,000 $950,000 $2.8M

Townhouse price

750,000 EUR 1.8M EUR 6.6M EUR
MINIMUM AVERAGE MAXIMUM
$810,000 $1.9M $7.1M

House price

880,000 EUR 5.3M EUR 7.5M EUR
MINIMUM AVERAGE MAXIMUM
$950,000 $5.7M $8.1M

Villa price

1.1M EUR 5.8M EUR 8.8M EUR
MINIMUM AVERAGE MAXIMUM
$1.1M $6.3M $9.5M

The average price of a studio apartment in Netherlands can range from 88,000 EUR to 260,000 EUR depending on location. One bedroom cost can be anywhere from 110,000 EUR to 660,000 EUR. A villa can cost you 5.8M EUR on average with prices ranging from 1.1M EUR to 8.8M EUR.


If you're leasing or purchasing, housing costs in Netherlands will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


46 x138 monthly income 223
MINIMUM AVERAGE MAXIMUM

Property prices in Netherlands can be x138 to x223 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x138 multiples of the average monthly salary in Netherlands.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


24% 34% of income 44%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Netherlands is around 34%. This means that people pay 34% of their income for rent. Those figures can range from 24% to 44% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
32%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
2.4%
AVERAGE
3.4%
TO
4.4%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


7.4 EUR 96 EUR 960 EUR
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Monthly costs and expenses of energy and basic utilities in Netherlands

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Netherlands

Utility Bill Cost / Electricity + Water + Gas / Couple

74 EUR 250 EUR 1,600 EUR
MINIMUM AVERAGE MAXIMUM
$80 $270 $1,800

Internet and cable cost

26 EUR 53 EUR 70 EUR
MINIMUM AVERAGE MAXIMUM
$28 $57 $76

Mobile phone bill and charges

21 EUR 35 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$23 $38 $110

Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.


The average monthly energy and water consumption of couples is around 250 EUR. The cost of internet and WiFi ranges from 26 EUR to 70 EUR with 53 EUR being the average internet bill. Finally, the average monthly mobile charges is around 35 EUR but can range between 21 EUR and 110 EUR depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


1% 4% of income 8%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Netherlands is around 4%. This means that people pay 4% of their income for energy, water, internet, and mobile charges. Those figures can range from 1% to 8% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Netherlands

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Netherlands

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

5.3 EUR 11 EUR 18 EUR
MINIMUM AVERAGE MAXIMUM
$5.7 $11 $19

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Netherlands is approximatly 11 EUR with meal cost ranging from 5.3 EUR to 18 EUR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

18 EUR 26 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$19 $28 $57

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 18 EUR and 53 EUR with 26 EUR being the average price of a plate for one person at a regular restaurant in Netherlands.

Fine dining meal for one price

35 EUR 53 EUR 210 EUR
MINIMUM AVERAGE MAXIMUM
$38 $57 $230

The price range of a meal at fine-dining restaurant is 35 EUR to 210 EUR with the average cost being 53 EUR for one person. This is what you would expect to pay a top-tier diner in Netherlands.

Beverage prices, cappuccino, latte etc..

4.4 EUR 7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$4.7 $7.6 $11

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Netherlands is around 7 EUR. Price ranges between 4.4 EUR and 11 EUR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

3.5 EUR 4.2 EUR 5.3 EUR
MINIMUM AVERAGE MAXIMUM
$3.8 $4.6 $5.7

The average price of a large bottle of milk in Netherlands is 4.2 EUR. The maximum what you would pay for milk is 5.3 EUR and the minimum being 3.5 EUR depending on the brand of milk and other properties.

12 eggs price

2.6 EUR 3.5 EUR 5.3 EUR
MINIMUM AVERAGE MAXIMUM
$2.8 $3.8 $5.7

A dozen eggs costs around 3.5 EUR on average with 2.6 EUR and 5.3 EUR being the lower and upper limits respectively.

Fresh whole chicken price

6 EUR 7.7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$6.5 $8.4 $12

The price range of a fresh whole chicken in Netherlands is between 6 EUR and 11 EUR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 7.7 EUR.

Pack of beef price

7 EUR 11 EUR 21 EUR
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

The price of a regular pack of beef or meat is around 11 EUR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

2.8 EUR 3.9 EUR 5.5 EUR
MINIMUM AVERAGE MAXIMUM
$3.1 $4.2 $5.9

A bag of rice in Netherlands costs around 3.9 EUR on average with prices rangeing between 2.8 EUR and 5.5 EUR depending on the brand and quality.

Bag of tomatos price

1.1 EUR 1.4 EUR 2.6 EUR
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $2.8

A bag of tomatoes costs anywhere from 1.1 EUR to 2.6 EUR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1.9 EUR 2.5 EUR 4 EUR
MINIMUM AVERAGE MAXIMUM
$2 $2.7 $4.4

A bag of apples costs 2.5 EUR on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


17% 25% of income 31%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Netherlands is around 25%. This means that couples spend 25% of their income on grocery and basic household items. The expenditure can range from 17% to 31% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 260 EUR to 4,100 EUR with the location, income, and size of the couple being the most determinite factors.

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