Cost Of Living For a Single Person in Utrecht 2024

Single person cost of living chart - individual average monthly expenditure in Utrecht

Average Monthly Expenditure

Currency: EUR
490 3,400 23,000
MINIMUM AVERAGE MAXIMUM
$530 $3,700 $25,000

Average monthly spending for a single person or individual in Utrecht

How much money does an individual need in a month to survive in Utrecht?

A single person in Utrecht spends around 3,400 EUR per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 490 EUR or as high as 23,000 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 Utrecht


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

Dining, food, and beverages costs


Fast food combo meal

5.2 EUR 10 EUR 17 EUR
MINIMUM AVERAGE MAXIMUM
$5.7 $11 $19

Restaurant meal for one

18 EUR 27 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$19 $29 $58

Fine dining meal for one

36 EUR 53 EUR 210 EUR
MINIMUM AVERAGE MAXIMUM
$39 $58 $230

Cappuccino or latte

4.4 EUR 7 EUR 10 EUR
MINIMUM AVERAGE MAXIMUM
$4.7 $7.6 $11

Grocery and market costs


Milk large bottle

3.5 EUR 4.2 EUR 5.2 EUR
MINIMUM AVERAGE MAXIMUM
$3.8 $4.5 $5.7

12 eggs

2.6 EUR 3.5 EUR 5.2 EUR
MINIMUM AVERAGE MAXIMUM
$2.8 $3.8 $5.7

Fresh whole chicken

5.9 EUR 7.7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$6.4 $8.3 $12

Pack of beef

7 EUR 10 EUR 21 EUR
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

Medium bag of rice

2.8 EUR 3.8 EUR 5.4 EUR
MINIMUM AVERAGE MAXIMUM
$3 $4.2 $5.9

Bag of tomatos

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

Bag of apples

1.9 EUR 2.4 EUR 4 EUR
MINIMUM AVERAGE MAXIMUM
$2 $2.6 $4.4
Chart showing the prices and cost of commute, travel, and transportation in Utrecht


Commute, travel, and transportation costs


20 minutes taxi ride

4.4 EUR 5.3 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$4.8 $5.8 $12

Average car full tank

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

Average car 1-day rental

27 EUR 36 EUR 54 EUR
MINIMUM AVERAGE MAXIMUM
$29 $39 $59

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

0.91 EUR 1.4 EUR 2.7 EUR
MINIMUM AVERAGE MAXIMUM
$0.98 $1.5 $2.9

Car Service

36 EUR 54 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$39 $59 $120
Chart showing the prices and cost of utility, energy, water, and gas in Utrecht


Utility cost (monthly)


Utility Bill - Individual

29 EUR 210 EUR 1,400 EUR
MINIMUM AVERAGE MAXIMUM
$32 $220 $1,500

Internet and cable

26 EUR 52 EUR 70 EUR
MINIMUM AVERAGE MAXIMUM
$28 $57 $76

Mobile phone charges

21 EUR 35 EUR 100 EUR
MINIMUM AVERAGE MAXIMUM
$23 $38 $110

Leisure and activities costs


Movie ticket

13 EUR 17 EUR 26 EUR
MINIMUM AVERAGE MAXIMUM
$14 $19 $28

One month gym membership

43 EUR 54 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$47 $59 $120
Chart showing the prices and cost of clothing and accessories in Utrecht


Cloths and accessories costs


Pair of jeans or pants

32 EUR 45 EUR 68 EUR
MINIMUM AVERAGE MAXIMUM
$35 $49 $74

Woman dress

30 EUR 42 EUR 140 EUR
MINIMUM AVERAGE MAXIMUM
$33 $45 $150

Woman shoes

29 EUR 39 EUR 91 EUR
MINIMUM AVERAGE MAXIMUM
$31 $42 $98

Men's shoes

25 EUR 30 EUR 60 EUR
MINIMUM AVERAGE MAXIMUM
$27 $33 $65

Men suit

27 EUR 34 EUR 180 EUR
MINIMUM AVERAGE MAXIMUM
$29 $37 $200

Regular t-shirt

14 EUR 18 EUR 54 EUR
MINIMUM AVERAGE MAXIMUM
$15 $20 $59
Chart showing the prices and cost of housing, accommodation, and rent in Utrecht


Housing costs / monthly rent


Studio apartment

450 EUR 680 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$490 $740 $2,000

1-bedroom apartment

680 EUR 1,100 EUR 2,700 EUR
MINIMUM AVERAGE MAXIMUM
$740 $1,200 $2,900

2-bedroom apartment

910 EUR 1,400 EUR 3,600 EUR
MINIMUM AVERAGE MAXIMUM
$980 $1,500 $3,900

Housing costs / Buying


Studio apartment

91,000 EUR 140,000 EUR 270,000 EUR
MINIMUM AVERAGE MAXIMUM
$98,000 $150,000 $290,000

1-bedroom apartment

110,000 EUR 180,000 EUR 680,000 EUR
MINIMUM AVERAGE MAXIMUM
$120,000 $200,000 $740,000

2-bedroom apartment

180,000 EUR 540,000 EUR 1.1M EUR
MINIMUM AVERAGE MAXIMUM
$200,000 $590,000 $1.2M
Chart showing the prices and cost of furniture in Utrecht


Furniture Costs


King Size Bed

520 EUR 650 EUR 870 EUR
MINIMUM AVERAGE MAXIMUM
$570 $710 $940

Double Bed

350 EUR 520 EUR 650 EUR
MINIMUM AVERAGE MAXIMUM
$380 $570 $710

Single Bed

310 EUR 400 EUR 520 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 650 EUR
MINIMUM AVERAGE MAXIMUM
$280 $380 $710

Sofa or Couch

350 EUR 470 EUR 1,000 EUR
MINIMUM AVERAGE MAXIMUM
$380 $520 $1,100
Chart showing the prices and cost of electronic devices and appliances in Utrecht


Electronics and House Appliance Costs


TV Set

350 EUR 520 EUR 1,000 EUR
MINIMUM AVERAGE MAXIMUM
$380 $570 $1,100

Fridge or Freezer

310 EUR 470 EUR 650 EUR
MINIMUM AVERAGE MAXIMUM
$330 $520 $710

Washing Machine

400 EUR 580 EUR 1,000 EUR
MINIMUM AVERAGE MAXIMUM
$440 $630 $1,100

Stove or Cooker

370 EUR 470 EUR 650 EUR
MINIMUM AVERAGE MAXIMUM
$400 $520 $710

Mobile Phone

440 EUR 520 EUR 750 EUR
MINIMUM AVERAGE MAXIMUM
$470 $570 $810

Laptop or Computer

470 EUR 580 EUR 1,000 EUR
MINIMUM AVERAGE MAXIMUM
$520 $630 $1,100
Single person or Individual cost of living and expenditure to income ratio in Utrecht

Single person expenditure to income ratio in Utrecht

Analysing the how affordable it is for an individual to live in Utrecht

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. Individuals usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a single individual ranges between 70% to 80%.


Spending to Income Ratio

76%

67% to 85%

( expenditure / income ) x 100


Individuals in Utrecht spend around 76% of their monthly income. Some individuals spend as low as 67% of their income while some as high as 85%.

Distribution of monthly cost of living expenses of a single person in Utrecht

How do individuals spend their money in Utrecht?

We asked thousands of individuals 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 individuals

Accomodation Cost33%

33% of total expenses on average (21% to 45%)

LOW$190   180 EUR
AVERAGE$1,300   1,200 EUR
HIGH$9,000   8,300 EUR
Per Month

Individuals in Utrecht typically spend from 21% to 45% of their total monthly expenditure on housing with 33% being the average. The average monthly spend on housing is 1,200 EUR with expenditure ranging from 180 EUR to 8,300 EUR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Cost of utilities7%

7% of total expenses on average (3% to 12%)

LOW$32   29 EUR
AVERAGE$220   210 EUR
HIGH$1,500   1,400 EUR
Per Month

Utility expenditure like electricity, water, and gas in Utrecht ranges from 3% to 12% of total expenses with 7% being the average for most individuals. The average monthly cost of utilities is 210 EUR with 29 EUR and 1,400 EUR being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Cost of transport and fuel6%

6% of total expenses on average (4% to 12%)

LOW$43   39 EUR
AVERAGE$300   280 EUR
HIGH$2,000   1,800 EUR
Per Month

Fuel consumption and cost of transport depend heavily on whether a single person resides near school and work, but roughly speaking a single person would expect to spend from 39 EUR to 1,800 EUR in a month on commuting with 280 EUR being the norm for most individuals. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 4% or as high as 12%.

Food, groceries, and basic shopping expenditure for individuals

Food and Groceries Cost18%

18% of total expenses on average (12% to 23%)

LOW$85   79 EUR
AVERAGE$600   550 EUR
HIGH$4,000   3,700 EUR
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Utrecht is 550 EUR. The cost of groceries can range between 79 EUR to 3,700 EUR. Individuals spend on average about 18% on food and groceries with upper and lower bounds of 12% and 23% respectively.

Healthcare and medical services expenditure for individuals

Cost of healthcare11%

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

LOW$48   44 EUR
AVERAGE$340   310 EUR
HIGH$2,200   2,100 EUR
Per Month

Individuals in Utrecht 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 44 EUR to 2,100 EUR with 310 EUR being the norm for most individuals.

Leisure and shopping expenditure for individuals

Cost of leisure and shopping4%

4% of total expenses on average (3% to 7%)

LOW$27   25 EUR
AVERAGE$190   170 EUR
HIGH$1,200   1,100 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 25 EUR to 1,100 EUR with 170 EUR being the average. Speaking of percentages, that equates to 3% to 7% of total expenses with an average of 4% for most individuals.

Education and schooling expenditure for individuals

Cost of education and schooling2%

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

LOW$11   9.8 EUR
AVERAGE$75   69 EUR
HIGH$500   460 EUR
Per Month

Spending on education can vary drastically between different individuals. On average, education constitutes 2% of the monthly expenditure of individuals with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 69 EUR per month with 9.8 EUR being the minimum spent amount and 460 EUR being the maximum.

Other Expenses20%

20% of total expenses on average (12% to 24%)

LOW$96   88 EUR
AVERAGE$670   620 EUR
HIGH$4,500   4,100 EUR
Per Month
Percentage of individuals who manage to save money from their income every month in Utrecht

What percentage of individuals in Utrecht are able to save money and how much can they save?


Percentage of individuals that reported their ability to save money


Saving Money
77%
Not Saving
23%

Almost 77% of surveyed individuals in Utrecht said that they can save some money at the end of each month while 23% reported that they have to utilize their whole income to survive.


A single person savings to income ratio in Utrecht

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 individuals 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

17% 27% of income 36%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

160 EUR
$170
1,500 EUR
$1,600
9,700 EUR
$10,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

Saving To Income Ratio% Individuals
0% - 10%28%
10% - 20%22%
20% - 30%16%
30% - 40%17%
40% - 50%13%
> 50%4%

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 17% to 36% of their monthly income to their savings, with 27% being the average for most individuals. The average monthly amount of money that individuals can put aside is 1,500 EUR with 160 EUR and 9,700 EUR being the minimum and maximum respectively.

Reasons that make it difficult for individuals to save money in Utrecht

Saving Challenges in Utrecht

Reasons that make it difficult for individuals to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans18%
Lack of Budgeting Skills10%
Impulsive Spending9%
Financial Emergencies6%
Living the moment7%
Will do it later17%
Inflation10%
Social Pressure3%
Market Instability3%

Around 6% of the individuals said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 18% of the residents said that they are burdened with debt and find it challenging to save money. 10% 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. 9% of individuals blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 17% 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. 10% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Where do individuals choose to put their savings in Utrecht

Typical saving choices for individuals in Utrecht

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold10%
Savings Accounts17%
Retirement Accounts11%
Cash Savings16%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
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 individuals to live in Utrecht

Affordable living in Utrecht

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Utrecht?


Yes
86%
No
14%

Around 86% of surveyed individuals think that living in Utrecht is affordable with proper budgeting while 14% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for individuals. Are there plenty of low-cost options in Utrecht

Low-cost alternatives in Utrecht

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 individuals how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options66%

Few low-cost options34%


Based on the survey, 66% of the individuals living in Utrecht have no problem finding low-cost alternatives to support a frugal lifestyle while 34% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Individuals

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 individuals of Utrecht whether they have an emergency fund and the answers were as follows.

Yes86%

No14%


Based on the survey, 14% of the individuals living in Utrecht said that they don't have an emergency fund while 86% said that they do.

Financial literacy and difficulty in budgeting and financial planning for individuals in Utrecht

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 individuals in Utrecht 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 single people 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 single people living in Utrecht

Financial goals of individuals in Utrecht

In an attempt to understand the economic situation in Utrecht, 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 Fund7%
Debt Reduction32%
Retirement Savings7%
Education Funding8%
Homeownership17%
Investing9%
Travel or Lifestyle11%
Healthcare Expenses9%
Financial Independence9%

Around 7% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 32% said their number one priority is to pay off high-interest debt or loans and improve credit. 7% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 9% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 11% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 9% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of individuals who are in debt in Utrecht

Debt, loans, and mortgages in Utrecht


Percentage of individuals who are in debt


In Debt
22%
Debt Free
78%

According to the survey, 22% of the individuals in Utrecht have some kind of debt, loan, mortgage, or credit card payments while 78% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Utrecht

Debt-to-income ratio in Utrecht

Debt to income ratio

27%

18% to 37%

( 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 27% of a single person's monthly income in Utrecht goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%11%
40% - 50%11%
30% - 40%13%
20% - 30%15%
10% - 20%19%
0% - 10%28%

According to our data, 3% of the debtors in Utrecht pay 60%+ of their income as debt settlement while 11% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 11% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 13% dedicated 30% to 40% of income for same. Things are looking brighter for 15% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Utrecht

Debt% People
Real Estate Mortgage13%
Auto Loan23%
Student Loan3%
Credit Card25%
Personal Loan36%

13% of debtors in Utrecht confirm that real estate mortgages constitutes the main part of their outstanding debt while 25% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 23% of people and personal loans rose at 36%. Lastly, student loans are the main source of debt for 3% of debtors in Utrecht.


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 Utrecht

Besides measuring the loan-to-income ratio, we asked individuals of Utrecht 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
Never55%
Once a year22%
Twice a year11%
Three times a year8%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Utrecht

Housing costs, accommodation, and housing affordability in Utrecht

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


Rent Cost in Utrecht

Monthly Rent Prices

Studio apartment monthly rent cost

450 EUR 680 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$490 $740 $2,000

1-bedroom apartment monthly rent cost

680 EUR 1,100 EUR 2,700 EUR
MINIMUM AVERAGE MAXIMUM
$740 $1,200 $2,900

2-bedroom apartment monthly rent cost

910 EUR 1,400 EUR 3,600 EUR
MINIMUM AVERAGE MAXIMUM
$980 $1,500 $3,900

3-bedroom apartment monthly rent cost

1,100 EUR 1,800 EUR 4,900 EUR
MINIMUM AVERAGE MAXIMUM
$1,200 $2,000 $5,400

Furnished apartment monthly rent cost

2,200 EUR 5,400 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,400 $5,900 $12,000

Townhouse monthly rent cost

1,800 EUR 2,700 EUR 7,800 EUR
MINIMUM AVERAGE MAXIMUM
$2,000 $2,900 $8,400

House monthly rent cost

2,200 EUR 5,400 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,400 $5,900 $12,000

Villa monthly rent cost

2,700 EUR 6,800 EUR 11,000 EUR
MINIMUM AVERAGE MAXIMUM
$2,900 $7,400 $12,000

The monthly rental cost of a studio apartment in Utrecht ranges between 450 EUR and 1,800 EUR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 680 EUR to 2,700 EUR. Two-bedroom rentals rate ranges between 910 EUR and 3,600 EUR per month. The monthly rental for a three-bedroom apartment ranges from 1,100 EUR to 4,900 EUR. The average rent of a townhouse in Utrecht is around 2,700 EUR while house rental costs can be as high as 5,400 EUR per month. Finally, if you want to rent a villa, expect to pay anywhere from 2,700 EUR to 11,000 EUR per month.



Apartment and house prices in Utrecht

Cost of buying a property

Studio apartment price

91,000 EUR 140,000 EUR 270,000 EUR
MINIMUM AVERAGE MAXIMUM
$98,000 $150,000 $290,000

1-bedroom apartment price

110,000 EUR 180,000 EUR 680,000 EUR
MINIMUM AVERAGE MAXIMUM
$120,000 $200,000 $740,000

2-bedroom apartment price

180,000 EUR 540,000 EUR 1.1M EUR
MINIMUM AVERAGE MAXIMUM
$200,000 $590,000 $1.2M

3-bedroom apartment price

600,000 EUR 910,000 EUR 2.7M EUR
MINIMUM AVERAGE MAXIMUM
$650,000 $980,000 $2.9M

Townhouse price

780,000 EUR 1.8M EUR 6.8M EUR
MINIMUM AVERAGE MAXIMUM
$840,000 $2M $7.4M

House price

910,000 EUR 5.4M EUR 7.8M EUR
MINIMUM AVERAGE MAXIMUM
$980,000 $5.9M $8.4M

Villa price

1.1M EUR 6M EUR 9.1M EUR
MINIMUM AVERAGE MAXIMUM
$1.2M $6.5M $9.8M

The average price of a studio apartment in Utrecht can range from 91,000 EUR to 270,000 EUR depending on location. One bedroom cost can be anywhere from 110,000 EUR to 680,000 EUR. A villa can cost you 6M EUR on average with prices ranging from 1.1M EUR to 9.1M EUR.


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


48 x143 monthly income 231
MINIMUM AVERAGE MAXIMUM

Property prices in Utrecht can be x143 to x231 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x143 multiples of the average monthly salary in Utrecht.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


25% 35% of income 46%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Utrecht is around 35%. This means that people pay 35% of their income for rent. Those figures can range from 25% to 46% 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
33%

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.


7.6 EUR 99 EUR 990 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 Utrecht

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / A single person

29 EUR 210 EUR 1,400 EUR
MINIMUM AVERAGE MAXIMUM
$32 $220 $1,500

Internet and cable cost

26 EUR 52 EUR 70 EUR
MINIMUM AVERAGE MAXIMUM
$28 $57 $76

Mobile phone bill and charges

21 EUR 35 EUR 100 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 individuals is around 210 EUR. The cost of internet and WiFi ranges from 26 EUR to 70 EUR with 52 EUR being the average internet bill. Finally, the average monthly mobile charges is around 35 EUR but can range between 21 EUR and 100 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% 4.1% of income 8.3%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Utrecht is around 4.1%. This means that people pay 4.1% of their income for energy, water, internet, and mobile charges. Those figures can range from 1% to 8.3% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Utrecht

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


Prices and cost of goods and services in Utrecht

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

Fast food combo meal price

5.2 EUR 10 EUR 17 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 Utrecht is approximatly 10 EUR with meal cost ranging from 5.2 EUR to 17 EUR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

18 EUR 27 EUR 53 EUR
MINIMUM AVERAGE MAXIMUM
$19 $29 $58

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 27 EUR being the average price of a plate for one person at a regular restaurant in Utrecht.

Fine dining meal for one price

36 EUR 53 EUR 210 EUR
MINIMUM AVERAGE MAXIMUM
$39 $58 $230

The price range of a meal at fine-dining restaurant is 36 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 Utrecht.

Beverage prices, cappuccino, latte etc..

4.4 EUR 7 EUR 10 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 Utrecht is around 7 EUR. Price ranges between 4.4 EUR and 10 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 5.2 EUR
MINIMUM AVERAGE MAXIMUM
$3.8 $4.5 $5.7

The average price of a large bottle of milk in Utrecht is 4.2 EUR. The maximum what you would pay for milk is 5.2 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 5.2 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 5.2 EUR being the lower and upper limits respectively.

Fresh whole chicken price

5.9 EUR 7.7 EUR 11 EUR
MINIMUM AVERAGE MAXIMUM
$6.4 $8.3 $12

The price range of a fresh whole chicken in Utrecht is between 5.9 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 10 EUR 21 EUR
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

The price of a regular pack of beef or meat is around 10 EUR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

2.8 EUR 3.8 EUR 5.4 EUR
MINIMUM AVERAGE MAXIMUM
$3 $4.2 $5.9

A bag of rice in Utrecht costs around 3.8 EUR on average with prices rangeing between 2.8 EUR and 5.4 EUR depending on the brand and quality.

Bag of tomatos price

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

Bag of apples price

1.9 EUR 2.4 EUR 4 EUR
MINIMUM AVERAGE MAXIMUM
$2 $2.6 $4.4

A bag of apples costs 2.4 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


18% 26% of income 32%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Utrecht is around 26%. This means that individuals spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 32% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 79 EUR to 3,700 EUR with the location, income being the most determinite factors.

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