Cost Of Living For a Couple in Sweden 2025

Couple cost of living chart - average monthly expenditure in Sweden

Average Monthly Expenditure

Currency: SEK
16,000 48,000 260,000
MINIMUM AVERAGE MAXIMUM
$1,500 $4,600 $25,000

Average monthly spending for couples in Sweden

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

Couples in Sweden spend around 48,000 SEK per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 16,000 SEK or as high as 260,000 SEK. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Sweden


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

Dining, food, and beverages costs


Fast food combo meal

45 SEK 90 SEK 150 SEK
MINIMUM AVERAGE MAXIMUM
$4.3 $8.7 $14

Restaurant meal for one

150 SEK 230 SEK 450 SEK
MINIMUM AVERAGE MAXIMUM
$14 $22 $43

Fine dining meal for one

300 SEK 450 SEK 1,800 SEK
MINIMUM AVERAGE MAXIMUM
$29 $43 $170

Cappuccino or latte

38 SEK 60 SEK 90 SEK
MINIMUM AVERAGE MAXIMUM
$3.6 $5.8 $8.7

Grocery and market costs


Milk large bottle

30 SEK 36 SEK 45 SEK
MINIMUM AVERAGE MAXIMUM
$2.9 $3.5 $4.3

12 eggs

23 SEK 30 SEK 45 SEK
MINIMUM AVERAGE MAXIMUM
$2.2 $2.9 $4.3

Fresh whole chicken

51 SEK 66 SEK 94 SEK
MINIMUM AVERAGE MAXIMUM
$4.9 $6.4 $9

Pack of beef

60 SEK 90 SEK 180 SEK
MINIMUM AVERAGE MAXIMUM
$5.8 $8.7 $17

Medium bag of rice

24 SEK 33 SEK 47 SEK
MINIMUM AVERAGE MAXIMUM
$2.3 $3.2 $4.5

Bag of tomatos

9 SEK 12 SEK 23 SEK
MINIMUM AVERAGE MAXIMUM
$0.87 $1.2 $2.2

Bag of apples

16 SEK 21 SEK 35 SEK
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3.3
Chart showing the prices and cost of commute, travel, and transportation in Sweden


Commute, travel, and transportation costs


20 minutes taxi ride

38 SEK 45 SEK 90 SEK
MINIMUM AVERAGE MAXIMUM
$3.6 $4.3 $8.7

Average car full tank

230 SEK 300 SEK 600 SEK
MINIMUM AVERAGE MAXIMUM
$22 $29 $58

Average car 1-day rental

230 SEK 300 SEK 450 SEK
MINIMUM AVERAGE MAXIMUM
$22 $29 $43

Average car price

110,000 SEK 230,000 SEK 300,000 SEK
MINIMUM AVERAGE MAXIMUM
$11,000 $22,000 $29,000

Bus ticket one way

7.5 SEK 11 SEK 23 SEK
MINIMUM AVERAGE MAXIMUM
$0.72 $1.1 $2.2

Car Service

300 SEK 450 SEK 900 SEK
MINIMUM AVERAGE MAXIMUM
$29 $43 $87
Chart showing the prices and cost of utility, energy, water, and gas in Sweden


Utility cost (monthly)


Utility Bill - Couple

640 SEK 2,200 SEK 14,000 SEK
MINIMUM AVERAGE MAXIMUM
$61 $210 $1,400

Internet and cable

230 SEK 450 SEK 600 SEK
MINIMUM AVERAGE MAXIMUM
$22 $43 $58

Mobile phone charges

180 SEK 300 SEK 900 SEK
MINIMUM AVERAGE MAXIMUM
$17 $29 $87

Leisure and activities costs


Movie ticket

110 SEK 150 SEK 230 SEK
MINIMUM AVERAGE MAXIMUM
$11 $14 $22

One month gym membership

360 SEK 450 SEK 900 SEK
MINIMUM AVERAGE MAXIMUM
$35 $43 $87
Chart showing the prices and cost of clothing and accessories in Sweden


Cloths and accessories costs


Pair of jeans or pants

260 SEK 380 SEK 560 SEK
MINIMUM AVERAGE MAXIMUM
$25 $36 $54

Woman dress

250 SEK 350 SEK 1,100 SEK
MINIMUM AVERAGE MAXIMUM
$24 $33 $110

Woman shoes

240 SEK 320 SEK 750 SEK
MINIMUM AVERAGE MAXIMUM
$23 $31 $72

Men's shoes

200 SEK 250 SEK 500 SEK
MINIMUM AVERAGE MAXIMUM
$20 $24 $48

Men suit

230 SEK 280 SEK 1,500 SEK
MINIMUM AVERAGE MAXIMUM
$22 $27 $140

Regular t-shirt

110 SEK 150 SEK 450 SEK
MINIMUM AVERAGE MAXIMUM
$11 $14 $43
Chart showing the prices and cost of housing, accommodation, and rent in Sweden


Housing costs / monthly rent


Studio apartment

3,800 SEK 5,600 SEK 15,000 SEK
MINIMUM AVERAGE MAXIMUM
$360 $540 $1,400

1-bedroom apartment

5,600 SEK 9,000 SEK 23,000 SEK
MINIMUM AVERAGE MAXIMUM
$540 $870 $2,200

2-bedroom apartment

7,500 SEK 11,000 SEK 30,000 SEK
MINIMUM AVERAGE MAXIMUM
$720 $1,100 $2,900

Housing costs / Buying


Studio apartment

750,000 SEK 1.1M SEK 2.3M SEK
MINIMUM AVERAGE MAXIMUM
$72,000 $110,000 $220,000

1-bedroom apartment

900,000 SEK 1.5M SEK 5.6M SEK
MINIMUM AVERAGE MAXIMUM
$87,000 $140,000 $540,000

2-bedroom apartment

1.5M SEK 4.5M SEK 9M SEK
MINIMUM AVERAGE MAXIMUM
$140,000 $430,000 $870,000
Chart showing the prices and cost of furniture in Sweden


Furniture Costs


King Size Bed

4,500 SEK 5,600 SEK 7,500 SEK
MINIMUM AVERAGE MAXIMUM
$430 $540 $720

Double Bed

3,000 SEK 4,500 SEK 5,600 SEK
MINIMUM AVERAGE MAXIMUM
$290 $430 $540

Single Bed

2,600 SEK 3,500 SEK 4,500 SEK
MINIMUM AVERAGE MAXIMUM
$250 $330 $430

Living Room

5,000 SEK 6,400 SEK 23,000 SEK
MINIMUM AVERAGE MAXIMUM
$480 $620 $2,200

Dining Table

2,300 SEK 3,000 SEK 5,600 SEK
MINIMUM AVERAGE MAXIMUM
$220 $290 $540

Sofa or Couch

3,000 SEK 4,100 SEK 9,000 SEK
MINIMUM AVERAGE MAXIMUM
$290 $390 $870
Chart showing the prices and cost of electronic devices and appliances in Sweden


Electronics and House Appliance Costs


TV Set

3,000 SEK 4,500 SEK 9,000 SEK
MINIMUM AVERAGE MAXIMUM
$290 $430 $870

Fridge or Freezer

2,600 SEK 4,100 SEK 5,600 SEK
MINIMUM AVERAGE MAXIMUM
$250 $390 $540

Washing Machine

3,500 SEK 5,000 SEK 9,000 SEK
MINIMUM AVERAGE MAXIMUM
$330 $480 $870

Stove or Cooker

3,200 SEK 4,100 SEK 5,600 SEK
MINIMUM AVERAGE MAXIMUM
$310 $390 $540

Mobile Phone

3,800 SEK 4,500 SEK 6,400 SEK
MINIMUM AVERAGE MAXIMUM
$360 $430 $620

Laptop or Computer

4,100 SEK 5,000 SEK 9,000 SEK
MINIMUM AVERAGE MAXIMUM
$390 $480 $870
Couple cost of living and expenditure to income ratio in Sweden

Couple expenditure to income ratio in Sweden

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

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 Sweden 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 Sweden

How do couples spend their money in Sweden?

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$520   5,400 SEK
AVERAGE$1,600   16,000 SEK
HIGH$8,400   87,000 SEK
Per Month

Couples in Sweden 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 16,000 SEK with expenditure ranging from 5,400 SEK to 87,000 SEK. 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$61   640 SEK
AVERAGE$210   2,200 SEK
HIGH$1,400   14,000 SEK
Per Month

Utility expenditure like electricity, water, and gas in Sweden ranges from 3% to 9% of total expenses with 5% being the average for most couples. The average monthly cost of utilities is 2,200 SEK with 640 SEK and 14,000 SEK being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel12%

12% of total expenses on average (6% to 17%)

LOW$180   1,900 SEK
AVERAGE$550   5,700 SEK
HIGH$2,900   31,000 SEK
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 1,900 SEK to 31,000 SEK in a month on commuting with 5,700 SEK being the norm for most couples. This means that money spent on transport constitutes about 12% of total spending on average but can go as low as 6% or as high as 17%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost14%

14% of total expenses on average (9% to 19%)

LOW$210   2,200 SEK
AVERAGE$640   6,700 SEK
HIGH$3,400   36,000 SEK
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Sweden is 6,700 SEK. The cost of groceries can range between 2,200 SEK to 36,000 SEK. Couples spend on average about 14% on food and groceries with upper and lower bounds of 9% and 19% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare11%

11% of total expenses on average (5% to 15%)

LOW$170   1,800 SEK
AVERAGE$510   5,300 SEK
HIGH$2,700   28,000 SEK
Per Month

Couples in Sweden allocate 5% to 15% 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 11%. The range of medical expenses range from 1,800 SEK to 28,000 SEK with 5,300 SEK 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$92   960 SEK
AVERAGE$280   2,900 SEK
HIGH$1,500   15,000 SEK
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 960 SEK to 15,000 SEK with 2,900 SEK 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$31   320 SEK
AVERAGE$92   960 SEK
HIGH$490   5,100 SEK
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 960 SEK per month with 320 SEK being the minimum spent amount and 5,100 SEK being the maximum.

Other Expenses18%

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

LOW$260   2,700 SEK
AVERAGE$780   8,100 SEK
HIGH$4,200   43,000 SEK
Per Month
Percentage of couples who manage to save money from their income every month in Sweden

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


Percentage of couples that reported their ability to save money


Saving Money
68%
Not Saving
32%

Almost 68% of surveyed couples in Sweden said that they can save some money at the end of each month while 32% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Sweden

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

15% 25% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

6,500 SEK
$630
20,000 SEK
$1,900
100,000 SEK
$10,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%30%
10% - 20%23%
20% - 30%18%
30% - 40%14%
40% - 50%11%
> 50%4%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 15% to 35% of their monthly income to their savings, with 25% being the average for most couples. The average monthly amount of money that couples can put aside is 20,000 SEK with 6,500 SEK and 100,000 SEK being the minimum and maximum respectively.

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

Saving Challenges in Sweden

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income8%
High Expenses11%
Debt and Loans22%
Lack of Budgeting Skills9%
Impulsive Spending8%
Financial Emergencies5%
Living the moment8%
Will do it later14%
Inflation9%
Social Pressure4%
Market Instability4%

Around 8% of the couples said that their salary is too low to accommodate a portion for savings while 11% said that the high cost of living leaves little room for savings. 22% 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 Sweden

Typical saving choices for couples in Sweden

Where do people choose to put their savings?


Saving Type% People
Emergency Funds9%
Gold8%
Savings Accounts18%
Retirement Accounts13%
Cash Savings12%
Real Estate11%
Investment7%
Stocks7%
Bonds8%
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 Sweden

Affordable living in Sweden

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Sweden?


Yes
76%
No
24%

Around 76% of surveyed couples think that living in Sweden is affordable with proper budgeting while 24% 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 Sweden

Low-cost alternatives in Sweden

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 options60%

Few low-cost options40%


Based on the survey, 60% of the couples living in Sweden have no problem finding low-cost alternatives to support a frugal lifestyle while 40% 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 Sweden whether they have an emergency fund and the answers were as follows.

Yes72%

No28%


Based on the survey, 28% of the couples living in Sweden said that they don't have an emergency fund while 72% said that they do.

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

Financial Literacy in Sweden

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 Leteracy71%


We asked couple guardians and parents in Sweden whether they acquired any adequate personal financial training in their lives. Approximately 29% 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 71% 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 Sweden have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 31% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 69% said that they have everything under control.

Struggles with finance31%

Easily manages finances69%

Financial goals and targets of couples living in Sweden

Financial goals of couples in Sweden

In an attempt to understand the economic situation in Sweden, 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 Fund5%
Debt Reduction26%
Retirement Savings6%
Education Funding10%
Homeownership15%
Investing10%
Travel or Lifestyle14%
Healthcare Expenses5%
Financial Independence11%

Around 5% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 26% 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 10% reported that their priority is saving for the tuition fees and education costs of their children while 15% 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 14% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 5% 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 Sweden

Debt, loans, and mortgages in Sweden


Percentage of couples who are in debt


In Debt
29%
Debt Free
71%

According to the survey, 29% of the couples in Sweden have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Sweden

Debt-to-income ratio in Sweden

Debt to income ratio

26%

16% 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 Sweden 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%19%
10% - 20%23%
0% - 10%29%

According to our data, 2% of the debtors in Sweden 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 19% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Sweden

Debt% People
Real Estate Mortgage17%
Auto Loan28%
Student Loan2%
Credit Card21%
Personal Loan32%

17% of debtors in Sweden confirm that real estate mortgages constitutes the main part of their outstanding debt while 21% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 28% of people and personal loans rose at 32%. Lastly, student loans are the main source of debt for 2% of debtors in Sweden.


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 Sweden

Besides measuring the loan-to-income ratio, we asked couples of Sweden 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
Never59%
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 Sweden

Housing costs, accommodation, and housing affordability in Sweden

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


Rent Cost in Sweden

Monthly Rent Prices

Studio apartment monthly rent cost

3,800 SEK 5,600 SEK 15,000 SEK
MINIMUM AVERAGE MAXIMUM
$360 $540 $1,400

1-bedroom apartment monthly rent cost

5,600 SEK 9,000 SEK 23,000 SEK
MINIMUM AVERAGE MAXIMUM
$540 $870 $2,200

2-bedroom apartment monthly rent cost

7,500 SEK 11,000 SEK 30,000 SEK
MINIMUM AVERAGE MAXIMUM
$720 $1,100 $2,900

3-bedroom apartment monthly rent cost

9,000 SEK 15,000 SEK 41,000 SEK
MINIMUM AVERAGE MAXIMUM
$870 $1,400 $3,900

Furnished apartment monthly rent cost

18,000 SEK 45,000 SEK 90,000 SEK
MINIMUM AVERAGE MAXIMUM
$1,700 $4,300 $8,700

Townhouse monthly rent cost

15,000 SEK 23,000 SEK 64,000 SEK
MINIMUM AVERAGE MAXIMUM
$1,400 $2,200 $6,200

House monthly rent cost

18,000 SEK 45,000 SEK 90,000 SEK
MINIMUM AVERAGE MAXIMUM
$1,700 $4,300 $8,700

Villa monthly rent cost

23,000 SEK 56,000 SEK 90,000 SEK
MINIMUM AVERAGE MAXIMUM
$2,200 $5,400 $8,700

The monthly rental cost of a studio apartment in Sweden ranges between 3,800 SEK and 15,000 SEK, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 5,600 SEK to 23,000 SEK. Two-bedroom rentals rate ranges between 7,500 SEK and 30,000 SEK per month. The monthly rental for a three-bedroom apartment ranges from 9,000 SEK to 41,000 SEK. The average rent of a townhouse in Sweden is around 23,000 SEK while house rental costs can be as high as 45,000 SEK per month. Finally, if you want to rent a villa, expect to pay anywhere from 23,000 SEK to 90,000 SEK per month.



Apartment and house prices in Sweden

Cost of buying a property

Studio apartment price

750,000 SEK 1.1M SEK 2.3M SEK
MINIMUM AVERAGE MAXIMUM
$72,000 $110,000 $220,000

1-bedroom apartment price

900,000 SEK 1.5M SEK 5.6M SEK
MINIMUM AVERAGE MAXIMUM
$87,000 $140,000 $540,000

2-bedroom apartment price

1.5M SEK 4.5M SEK 9M SEK
MINIMUM AVERAGE MAXIMUM
$140,000 $430,000 $870,000

3-bedroom apartment price

5M SEK 7.5M SEK 23M SEK
MINIMUM AVERAGE MAXIMUM
$480,000 $720,000 $2.2M

Townhouse price

6.4M SEK 15M SEK 56M SEK
MINIMUM AVERAGE MAXIMUM
$620,000 $1.4M $5.4M

House price

7.5M SEK 45M SEK 64M SEK
MINIMUM AVERAGE MAXIMUM
$720,000 $4.3M $6.2M

Villa price

9M SEK 50M SEK 75M SEK
MINIMUM AVERAGE MAXIMUM
$870,000 $4.8M $7.2M

The average price of a studio apartment in Sweden can range from 750,000 SEK to 2.3M SEK depending on location. One bedroom cost can be anywhere from 900,000 SEK to 5.6M SEK. A villa can cost you 50M SEK on average with prices ranging from 9M SEK to 75M SEK.


If you're leasing or purchasing, housing costs in Sweden 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


47 x140 monthly income 224
MINIMUM AVERAGE MAXIMUM

Property prices in Sweden can be x140 to x224 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x140 multiples of the average monthly salary in Sweden.



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 Sweden 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.


64 SEK 830 SEK 8,300 SEK
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 Sweden

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

640 SEK 2,200 SEK 14,000 SEK
MINIMUM AVERAGE MAXIMUM
$61 $210 $1,400

Internet and cable cost

230 SEK 450 SEK 600 SEK
MINIMUM AVERAGE MAXIMUM
$22 $43 $58

Mobile phone bill and charges

180 SEK 300 SEK 900 SEK
MINIMUM AVERAGE MAXIMUM
$17 $29 $87

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 2,200 SEK. The cost of internet and WiFi ranges from 230 SEK to 600 SEK with 450 SEK being the average internet bill. Finally, the average monthly mobile charges is around 300 SEK but can range between 180 SEK and 900 SEK 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 Sweden 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 Sweden

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


Prices and cost of goods and services in Sweden

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

Fast food combo meal price

45 SEK 90 SEK 150 SEK
MINIMUM AVERAGE MAXIMUM
$4.3 $8.7 $14

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Sweden is approximatly 90 SEK with meal cost ranging from 45 SEK to 150 SEK. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

150 SEK 230 SEK 450 SEK
MINIMUM AVERAGE MAXIMUM
$14 $22 $43

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 150 SEK and 450 SEK with 230 SEK being the average price of a plate for one person at a regular restaurant in Sweden.

Fine dining meal for one price

300 SEK 450 SEK 1,800 SEK
MINIMUM AVERAGE MAXIMUM
$29 $43 $170

The price range of a meal at fine-dining restaurant is 300 SEK to 1,800 SEK with the average cost being 450 SEK for one person. This is what you would expect to pay a top-tier diner in Sweden.

Beverage prices, cappuccino, latte etc..

38 SEK 60 SEK 90 SEK
MINIMUM AVERAGE MAXIMUM
$3.6 $5.8 $8.7

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Sweden is around 60 SEK. Price ranges between 38 SEK and 90 SEK depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

30 SEK 36 SEK 45 SEK
MINIMUM AVERAGE MAXIMUM
$2.9 $3.5 $4.3

The average price of a large bottle of milk in Sweden is 36 SEK. The maximum what you would pay for milk is 45 SEK and the minimum being 30 SEK depending on the brand of milk and other properties.

12 eggs price

23 SEK 30 SEK 45 SEK
MINIMUM AVERAGE MAXIMUM
$2.2 $2.9 $4.3

A dozen eggs costs around 30 SEK on average with 23 SEK and 45 SEK being the lower and upper limits respectively.

Fresh whole chicken price

51 SEK 66 SEK 94 SEK
MINIMUM AVERAGE MAXIMUM
$4.9 $6.4 $9

The price range of a fresh whole chicken in Sweden is between 51 SEK and 94 SEK depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 66 SEK.

Pack of beef price

60 SEK 90 SEK 180 SEK
MINIMUM AVERAGE MAXIMUM
$5.8 $8.7 $17

The price of a regular pack of beef or meat is around 90 SEK. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

24 SEK 33 SEK 47 SEK
MINIMUM AVERAGE MAXIMUM
$2.3 $3.2 $4.5

A bag of rice in Sweden costs around 33 SEK on average with prices rangeing between 24 SEK and 47 SEK depending on the brand and quality.

Bag of tomatos price

9 SEK 12 SEK 23 SEK
MINIMUM AVERAGE MAXIMUM
$0.87 $1.2 $2.2

A bag of tomatoes costs anywhere from 9 SEK to 23 SEK. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

16 SEK 21 SEK 35 SEK
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3.3

A bag of apples costs 21 SEK 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


16% 24% of income 30%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Sweden is around 24%. This means that couples spend 24% of their income on grocery and basic household items. The expenditure can range from 16% to 30% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 2,200 SEK to 36,000 SEK with the location, income, and size of the couple being the most determinite factors.

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