Cost Of Living For a Student in Tromso 2025
Average Monthly Expenditure
Currency: NOK
Average monthly spending for students in Tromso
How much money does a student need in a month to survive in Tromso?
Students in Tromso spend around 25,000 NOK per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 3,800 NOK or as high as 160,000 NOK. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Tromso
Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
| 370 NOK | 550 NOK | 2,200 NOK |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
Average car 1-day rental
Average car price
| 140,000 NOK | 280,000 NOK | 380,000 NOK |
Bus ticket one way
Car Service
| 360 NOK | 540 NOK | 1,100 NOK |
Utility cost (monthly)
Utility Bill - Student
| 150 NOK | 980 NOK | 6,500 NOK |
Internet and cable
Mobile phone charges
| 230 NOK | 380 NOK | 1,100 NOK |
Leisure and activities costs
Movie ticket
One month gym membership
| 430 NOK | 540 NOK | 1,100 NOK |
Cloths and accessories costs
Pair of jeans or pants
Woman dress
| 300 NOK | 410 NOK | 1,300 NOK |
Woman shoes
Men's shoes
Men suit
| 270 NOK | 340 NOK | 1,800 NOK |
Regular t-shirt
Housing costs / monthly rent
Studio apartment
| 4,500 NOK | 6,700 NOK | 18,000 NOK |
1-bedroom apartment
| 6,700 NOK | 11,000 NOK | 27,000 NOK |
2-bedroom apartment
| 9,000 NOK | 13,000 NOK | 36,000 NOK |
Housing costs / Buying
Studio apartment
| 900,000 NOK | 1.3M NOK | 2.7M NOK |
| $85,000 | $130,000 | $250,000 |
1-bedroom apartment
| 1.1M NOK | 1.8M NOK | 6.7M NOK |
| $100,000 | $170,000 | $630,000 |
2-bedroom apartment
| 1.8M NOK | 5.4M NOK | 11M NOK |
Furniture Costs
King Size Bed
| 5,700 NOK | 7,100 NOK | 9,400 NOK |
Double Bed
| 3,800 NOK | 5,700 NOK | 7,100 NOK |
Single Bed
| 3,300 NOK | 4,300 NOK | 5,700 NOK |
Living Room
| 6,300 NOK | 8,100 NOK | 28,000 NOK |
Dining Table
| 2,800 NOK | 3,800 NOK | 7,100 NOK |
Sofa or Couch
| 3,800 NOK | 5,100 NOK | 11,000 NOK |
Electronics and House Appliance Costs
TV Set
| 3,800 NOK | 5,700 NOK | 11,000 NOK |
Fridge or Freezer
| 3,300 NOK | 5,100 NOK | 7,100 NOK |
Washing Machine
| 4,300 NOK | 6,300 NOK | 11,000 NOK |
Stove or Cooker
| 4,000 NOK | 5,100 NOK | 7,100 NOK |
Mobile Phone
| 4,700 NOK | 5,700 NOK | 8,100 NOK |
Laptop or Computer
| 5,100 NOK | 6,300 NOK | 11,000 NOK |
How do students spend their money in Tromso?
We asked thousands of students about their spending habits and expenditure break down.
Housing and accomodation expenditure for students
Accomodation Cost21%
21% of total expenses on average (16% to 27%)
| LOW | $86 910 NOK |
| AVERAGE | $560 5,900 NOK |
| HIGH | $3,700 39,000 NOK |
| Per Month |
Students in Tromso typically spend from 16% to 27% of their total monthly expenditure on housing with 21% being the average. The average monthly spend on housing is 5,900 NOK with expenditure ranging from 910 NOK to 39,000 NOK. This cost mainly goes for rent but it also includes other accommodation-related expenses.
Electricity, utilities, energy, water, internet, and mobile expenditure for students
Cost of utilities5%
5% of total expenses on average (3% to 9%)
| LOW | $14 150 NOK |
| AVERAGE | $93 980 NOK |
| HIGH | $620 6,500 NOK |
| Per Month |
Utility expenditure like electricity, water, and gas in Tromso ranges from 3% to 9% of total expenses with 5% being the average for most students. The average monthly cost of utilities is 980 NOK with 150 NOK and 6,500 NOK being the upper and lower limits for a student of four.
Transport, fuel, and commute expenditure for students
Cost of transport and fuel5%
5% of total expenses on average (5% to 11%)
| LOW | $25 270 NOK |
| AVERAGE | $160 1,700 NOK |
| HIGH | $1,100 11,000 NOK |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether a student resides near school and work, but roughly speaking a student would expect to spend from 270 NOK to 11,000 NOK in a month on commuting with 1,700 NOK being the norm for most students. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 5% or as high as 11%.
Food, groceries, and basic shopping expenditure for students
Food and Groceries Cost22%
22% of total expenses on average (16% to 26%)
| LOW | $72 760 NOK |
| AVERAGE | $460 4,900 NOK |
| HIGH | $3,100 33,000 NOK |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Tromso is 4,900 NOK. The cost of groceries can range between 760 NOK to 33,000 NOK. Students spend on average about 22% on food and groceries with upper and lower bounds of 16% and 26% respectively.
Healthcare and medical services expenditure for students
Cost of healthcare8%
8% of total expenses on average (5% to 11%)
| LOW | $22 230 NOK |
| AVERAGE | $140 1,500 NOK |
| HIGH | $930 9,800 NOK |
| Per Month |
Students in Tromso allocate 5% to 11% 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 8%. The range of medical expenses range from 230 NOK to 9,800 NOK with 1,500 NOK being the norm for most students.
Leisure and shopping expenditure for students
Cost of leisure and shopping4%
4% of total expenses on average (2% to 8%)
| LOW | $18 190 NOK |
| AVERAGE | $120 1,200 NOK |
| HIGH | $770 8,200 NOK |
| 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 190 NOK to 8,200 NOK with 1,200 NOK being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most students.
Education and schooling expenditure for students
Cost of education and schooling19%
19% of total expenses on average (12% to 24%)
| LOW | $68 720 NOK |
| AVERAGE | $440 4,700 NOK |
| HIGH | $2,900 31,000 NOK |
| Per Month |
Spending on education can vary drastically between different students. On average, education constitutes 19% of the monthly expenditure of students with 12% and 24% being the lower and upper bounds respectively. The average reported education cost is 4,700 NOK per month with 720 NOK being the minimum spent amount and 31,000 NOK being the maximum.
Other Expenses17%
17% of total expenses on average (11% to 23%)
| LOW | $54 570 NOK |
| AVERAGE | $350 3,700 NOK |
| HIGH | $2,300 25,000 NOK |
| Per Month |
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.
Affordable living in Tromso
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Tromso?
Around 75% of surveyed students think that living in Tromso is affordable with proper budgeting while 25% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Tromso
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 students how easily cost-cutting is and the answers were distributed as follows:
Plenty of low-cost options59%
Few low-cost options41%
Based on the survey, 59% of the students living in Tromso have no problem finding low-cost alternatives to support a frugal lifestyle while 41% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Emergency Funds For Students
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 students of Tromso whether they have an emergency fund and the answers were as follows.
Yes74%
No27%
Based on the survey, 27% of the students living in Tromso said that they don't have an emergency fund while 74% said that they do.
Financial Literacy in Norway
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 Leteracy74%
We asked student guardians and parents in Tromso whether they acquired any adequate personal financial training in their lives. Approximately 26% 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 74% 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 students of Norway have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 22% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 78% said that they have everything under control.
Struggles with finance22%
Easily manages finances78%
Housing costs, accommodation, and housing affordability in Tromso
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Tromso
Monthly Rent Prices
Studio apartment monthly rent cost
| 4,500 NOK | 6,700 NOK | 18,000 NOK |
1-bedroom apartment monthly rent cost
| 6,700 NOK | 11,000 NOK | 27,000 NOK |
2-bedroom apartment monthly rent cost
| 9,000 NOK | 13,000 NOK | 36,000 NOK |
3-bedroom apartment monthly rent cost
| 11,000 NOK | 18,000 NOK | 49,000 NOK |
Furnished apartment monthly rent cost
| 21,000 NOK | 54,000 NOK | 110,000 NOK |
Townhouse monthly rent cost
| 18,000 NOK | 27,000 NOK | 77,000 NOK |
House monthly rent cost
| 21,000 NOK | 54,000 NOK | 110,000 NOK |
Villa monthly rent cost
| 27,000 NOK | 67,000 NOK | 110,000 NOK |
The monthly rental cost of a studio apartment in Tromso ranges between 4,500 NOK and 18,000 NOK, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 6,700 NOK to 27,000 NOK. Two-bedroom rentals rate ranges between 9,000 NOK and 36,000 NOK per month. The monthly rental for a three-bedroom apartment ranges from 11,000 NOK to 49,000 NOK. The average rent of a townhouse in Tromso is around 27,000 NOK while house rental costs can be as high as 54,000 NOK per month. Finally, if you want to rent a villa, expect to pay anywhere from 27,000 NOK to 110,000 NOK per month.
Apartment and house prices in Tromso
Cost of buying a property
Studio apartment price
| 900,000 NOK | 1.3M NOK | 2.7M NOK |
| $85,000 | $130,000 | $250,000 |
1-bedroom apartment price
| 1.1M NOK | 1.8M NOK | 6.7M NOK |
| $100,000 | $170,000 | $630,000 |
2-bedroom apartment price
| 1.8M NOK | 5.4M NOK | 11M NOK |
3-bedroom apartment price
Townhouse price
House price
Villa price
The average price of a studio apartment in Tromso can range from 900,000 NOK to 2.7M NOK depending on location. One bedroom cost can be anywhere from 1.1M NOK to 6.7M NOK. A villa can cost you 60M NOK on average with prices ranging from 11M NOK to 90M NOK.
If you're leasing or purchasing, housing costs in Tromso 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
| 43 | x129 monthly income | 211 |
Property prices in Tromso can be x129 to x211 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x129 multiples of the average monthly salary in Tromso.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Tromso is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% to 41% 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
29% 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.
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.
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 Tromso
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Tromso
Utility Bill Cost / Electricity + Water + Gas / Student
| 150 NOK | 980 NOK | 6,500 NOK |
Internet and cable cost
Mobile phone bill and charges
| 230 NOK | 380 NOK | 1,100 NOK |
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 students is around 980 NOK. The cost of internet and WiFi ranges from 280 NOK to 750 NOK with 570 NOK being the average internet bill. Finally, the average monthly mobile charges is around 380 NOK but can range between 230 NOK and 1,100 NOK 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
The average utility-to-income ratio in Tromso is around 4.8%. This means that people pay 4.8% of their income for energy, water, internet, and mobile charges. Those figures can range from 1.9% to 8.6% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Tromso
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Tromso
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Tromso is approximatly 110 NOK with meal cost ranging from 57 NOK to 190 NOK. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 180 NOK and 550 NOK with 280 NOK being the average price of a plate for one person at a regular restaurant in Tromso.
Fine dining meal for one price
| 370 NOK | 550 NOK | 2,200 NOK |
The price range of a meal at fine-dining restaurant is 370 NOK to 2,200 NOK with the average cost being 550 NOK for one person. This is what you would expect to pay a top-tier diner in Tromso.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Tromso is around 75 NOK. Price ranges between 47 NOK and 110 NOK depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Tromso is 45 NOK. The maximum what you would pay for milk is 57 NOK and the minimum being 38 NOK depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 38 NOK on average with 28 NOK and 57 NOK being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Tromso is between 64 NOK and 120 NOK depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 83 NOK.
Pack of beef price
The price of a regular pack of beef or meat is around 110 NOK. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Tromso costs around 42 NOK on average with prices rangeing between 30 NOK and 59 NOK depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 11 NOK to 28 NOK. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 26 NOK 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
The average grocery-to-income ratio in Tromso is around 24%. This means that students 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 students
Students' spending on grocery ranges from 760 NOK to 33,000 NOK with the location, income, and size of the student being the most determinite factors.
