Cost Of Living in Stuttgart 2025

cost of living chart - average monthly expenditure in Stuttgart

Average monthly spending for singles, couples, students, and families in Stuttgart

Whether you're living in Stuttgart or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Average Monthly Expenditure

Currency: EUR
310 3,100 47,000
MINIMUM AVERAGE MAXIMUM
$340 $3,400 $51,000

Monthly Expenditure ▶ Single

Currency: EUR
400 2,800 31,000
MINIMUM AVERAGE MAXIMUM
$440 $3,100 $34,000

Monthly Expenditure ▶ Couple

Currency: EUR
630 4,100 38,000
MINIMUM AVERAGE MAXIMUM
$680 $4,400 $41,000

Monthly Expenditure ▶ Family

Currency: EUR
950 4,800 48,000
MINIMUM AVERAGE MAXIMUM
$1,000 $5,200 $52,000

Monthly Expenditure ▶ Student

Currency: EUR
310 2,000 22,000
MINIMUM AVERAGE MAXIMUM
$340 $2,200 $24,000
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Stuttgart is 2,800 EUR. Expenses can range from 400 EUR at the minimum level to 31,000 EUR at the highest end.


Couples

The average monthly spending of couples in Stuttgart is 4,100 EUR. Expenditure can range from 630 EUR to 38,000 EUR per month.


Families

The average cost of living for families in Stuttgart is 4,800 EUR per month. Families spend anywhere from 950 EUR to 48,000 EUR.


Students

The average monthly expenditure for students in Stuttgart is 2,000 EUR. Students spend from 310 EUR to 22,000 EUR per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
Percentage of people who manage to save money from their income every month in Stuttgart

How much money can you save in Stuttgart every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.


What percentage of people in Stuttgart manage to save money from their income every month?


Saving Money
68%
Not Saving
32%

Almost 68% of the surveyed people in Stuttgart said that they can save some money at the end of each month while 32% said that aren't saving anything.


Percentage of people saving money by population group in Stuttgart

GroupSaversNon Savers
Singles74%26%
Couples69%31%
Families64%36%

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.


Savings to income ratio in Stuttgart

Saving to Income Ratio

15% 24% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

130 EUR
$140
1,300 EUR
$1,400
19,000 EUR
$21,000
MINIMUM AVERAGE MAXIMUM

For most people, 15% to 35% of their monthly income is what they can allocate to their savings, with 24% being the average. The amount of money that people can save is approximately 1,300 EUR on average with savings ranging from 130 EUR to 19,000 EUR.

74% of surveyed singles reported some of their income going to savings while 69% of couples said the same. 64% of families confirmed their ability to save money.


How much money do people actually save in Stuttgart?

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.


Singles

Saving to Income Ratio

18% 28% of income 37%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

130 EUR
$140
1,100 EUR
$1,200
13,000 EUR
$14,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%29%
10% - 20%23%
20% - 30%16%
30% - 40%16%
40% - 50%12%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 18% to 37% of their monthly income to savings, with 28% being the average for most singles. The average amount of money that singles are able to save is 1,100 EUR with 130 EUR and 13,000 EUR being the minimum and maximum respectively.


Couples

Saving to Income Ratio

16% 26% of income 36%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

260 EUR
$280
1,700 EUR
$1,800
15,000 EUR
$17,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%33%
10% - 20%25%
20% - 30%19%
30% - 40%11%
40% - 50%9%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 16% to 36% of their monthly income, with 26% being the average for most couples. The average amount of money that couples can save is 1,700 EUR with 260 EUR and 15,000 EUR being the minimum and maximum respectively.


Families

Saving to Income Ratio

13% 22% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

390 EUR
$420
1,900 EUR
$2,100
19,000 EUR
$21,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%36%
10% - 20%28%
20% - 30%20%
30% - 40%8%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Families in Stuttgart can save anywhere between 13% to 32% of their monthly income, with 22% being the average for most families. The average amount of money that families can put aside is 1,900 EUR with 390 EUR and 19,000 EUR being the minimum and maximum respectively.

Expenditure to Income Ratio in Stuttgart

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.

Cost of living and expenditure to income ratio in Stuttgart

Spending to Income Ratio

83%

74% to 94%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%6%
50% - 60%11%
60% - 70%18%
70% - 80%26%
80% - 90%16%
90% - 100%9%
100% - 110%5%
110% - 120%3%
120% - 130%2%
130% - 140%2%
> 140%1%

Interpretation and Analysis

The average spending-to-salary ratio in Stuttgart is 83% This means that on average, people spend around 83% of their income for living. According to the distribution table, 18% of the population spend approximately 60% to 70% of their income every month.


How can spending be more than income?

A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.



Individual
75%
Spending-Income-Ratio
67%
85%

Couple
80%
Spending-Income-Ratio
71%
90%

Family
87%
Spending-Income-Ratio
77%
98%

Emergency Funds

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 residents whether they have an emergency fund and the answers were as follows.

Yes73%

No27%


Based on the survey, 27% of the people living in Stuttgart said that they don't have an emergency fund while 73% said that they do.

Chart showing the percentage of people who are in debt in Stuttgart

Debt, loans, and mortgages in Stuttgart


Percentage of people who are in debt


In Debt
27%
Debt Free
73%

According to the survey, 27% of the people in Stuttgart have some kind of debt, loan, mortgage, or credit card payments while 73% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Stuttgart

Debt-to-income ratio in Stuttgart

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 the people's monthly income in Stuttgart goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%12%
40% - 50%12%
30% - 40%14%
20% - 30%15%
10% - 20%18%
0% - 10%27%

According to our data, 3% of the debtors in Stuttgart pay 60%+ of their income as debt settlement while 12% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% 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 Stuttgart

Debt% People
Real Estate Mortgage13%
Auto Loan22%
Student Loan3%
Credit Card25%
Personal Loan37%

13% of debtors in Stuttgart 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 22% of people and personal loans rose at 37%. Lastly, student loans are the main source of debt for 3% of debtors in Stuttgart.


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 Stuttgart

Besides measuring the loan-to-income ratio, we asked residents 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%
Reasons that make it difficult for people to save money in Stuttgart

Saving Challenges in Stuttgart

Reasons that make it difficult for people to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans18%
Lack of Budgeting Skills10%
Impulsive Spending10%
Financial Emergencies6%
Living the moment7%
Will do it later17%
Inflation11%
Social Pressure3%
Market Instability3%

Around 6% of the people 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. 10% 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. 11% 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.

How easily is cost-cutting. Are there plenty of low-cost options in Stuttgart

Low-cost alternatives in Stuttgart

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

Plenty of low-cost options61%

Few low-cost options39%


Based on the survey, 61% of the people living in Stuttgart have no problem finding low-cost alternatives to support a frugal lifestyle while 39% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

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 to live in Stuttgart

Affordable living in Stuttgart

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Stuttgart?


Yes
76%
No
24%

Around 76% of surveyed residents think that living in Stuttgart is affordable with proper budgeting while 24% reported that it is just too expensive and not affordable even with frugality and thriftness.

Prices and cost of goods and services in Stuttgart

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

Dining, food, and beverages costs


Fast food combo meal

4.3 EUR 8.5 EUR 14 EUR
MINIMUM AVERAGE MAXIMUM
$4.6 $9.2 $15

Restaurant meal for one

14 EUR 22 EUR 43 EUR
MINIMUM AVERAGE MAXIMUM
$16 $23 $47

Fine dining meal for one

28 EUR 43 EUR 170 EUR
MINIMUM AVERAGE MAXIMUM
$31 $46 $180

Cappuccino or latte

3.6 EUR 5.7 EUR 8.6 EUR
MINIMUM AVERAGE MAXIMUM
$3.9 $6.2 $9.3

Grocery and market costs


Milk large bottle

2.9 EUR 3.4 EUR 4.3 EUR
MINIMUM AVERAGE MAXIMUM
$3.1 $3.7 $4.7

12 eggs

2.1 EUR 2.8 EUR 4.3 EUR
MINIMUM AVERAGE MAXIMUM
$2.3 $3.1 $4.6

Fresh whole chicken

4.9 EUR 6.3 EUR 9 EUR
MINIMUM AVERAGE MAXIMUM
$5.3 $6.9 $9.7

Pack of beef

5.8 EUR 8.7 EUR 17 EUR
MINIMUM AVERAGE MAXIMUM
$6.3 $9.4 $19

Medium bag of rice

2.3 EUR 3.1 EUR 4.4 EUR
MINIMUM AVERAGE MAXIMUM
$2.5 $3.4 $4.8

Bag of tomatos

0.85 EUR 1.1 EUR 2.1 EUR
MINIMUM AVERAGE MAXIMUM
$0.93 $1.2 $2.3

Bag of apples

1.5 EUR 2 EUR 3.3 EUR
MINIMUM AVERAGE MAXIMUM
$1.7 $2.2 $3.6
Chart showing the prices and cost of commute, travel, and transportation in Stuttgart

Commute, travel, and transportation costs


20 minutes taxi ride

3.6 EUR 4.3 EUR 8.6 EUR
MINIMUM AVERAGE MAXIMUM
$3.9 $4.7 $9.3

Average car full tank

21 EUR 28 EUR 57 EUR
MINIMUM AVERAGE MAXIMUM
$23 $31 $62

Average car 1-day rental

21 EUR 28 EUR 42 EUR
MINIMUM AVERAGE MAXIMUM
$23 $30 $46

Average car price

11,000 EUR 21,000 EUR 28,000 EUR
MINIMUM AVERAGE MAXIMUM
$11,000 $23,000 $31,000

Bus ticket one way

0.70 EUR 1.1 EUR 2.1 EUR
MINIMUM AVERAGE MAXIMUM
$0.76 $1.1 $2.3

Car Service

28 EUR 42 EUR 85 EUR
MINIMUM AVERAGE MAXIMUM
$31 $46 $92
Chart showing the prices and cost of utility, energy, water, and gas in Stuttgart

Utility cost (monthly)


Utility Bill - Individual

23 EUR 160 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$25 $180 $2,000

Utility Bill - Couple

24 EUR 180 EUR 2,000 EUR
MINIMUM AVERAGE MAXIMUM
$26 $190 $2,200

Utility Bill - Family

46 EUR 230 EUR 2,300 EUR
MINIMUM AVERAGE MAXIMUM
$50 $250 $2,500

Internet and cable

22 EUR 43 EUR 57 EUR
MINIMUM AVERAGE MAXIMUM
$23 $47 $62

Mobile phone charges

17 EUR 28 EUR 83 EUR
MINIMUM AVERAGE MAXIMUM
$18 $30 $89

Leisure and activities costs


Movie ticket

10 EUR 14 EUR 21 EUR
MINIMUM AVERAGE MAXIMUM
$11 $15 $23

One month gym membership

34 EUR 43 EUR 86 EUR
MINIMUM AVERAGE MAXIMUM
$37 $46 $93
Chart showing the prices and cost of clothing and accessories in Stuttgart

Cloths and accessories costs


Pair of jeans or pants

25 EUR 36 EUR 54 EUR
MINIMUM AVERAGE MAXIMUM
$27 $39 $58

Woman dress

24 EUR 33 EUR 110 EUR
MINIMUM AVERAGE MAXIMUM
$26 $36 $120

Woman shoes

22 EUR 30 EUR 71 EUR
MINIMUM AVERAGE MAXIMUM
$24 $33 $77

Men's shoes

19 EUR 24 EUR 48 EUR
MINIMUM AVERAGE MAXIMUM
$21 $26 $52

Men suit

22 EUR 27 EUR 140 EUR
MINIMUM AVERAGE MAXIMUM
$23 $29 $160

Regular t-shirt

11 EUR 14 EUR 43 EUR
MINIMUM AVERAGE MAXIMUM
$12 $16 $47
Chart showing the prices and cost of housing, accommodation, and rent in Stuttgart

Housing costs / monthly rent


Studio apartment

370 EUR 550 EUR 1,500 EUR
MINIMUM AVERAGE MAXIMUM
$400 $600 $1,600

1-bedroom apartment

550 EUR 880 EUR 2,200 EUR
MINIMUM AVERAGE MAXIMUM
$600 $960 $2,400

2-bedroom apartment

740 EUR 1,100 EUR 3,000 EUR
MINIMUM AVERAGE MAXIMUM
$800 $1,200 $3,200

Housing costs / Buying


Studio apartment

74,000 EUR 110,000 EUR 220,000 EUR
MINIMUM AVERAGE MAXIMUM
$80,000 $120,000 $240,000

1-bedroom apartment

89,000 EUR 150,000 EUR 560,000 EUR
MINIMUM AVERAGE MAXIMUM
$97,000 $160,000 $600,000

2-bedroom apartment

150,000 EUR 440,000 EUR 880,000 EUR
MINIMUM AVERAGE MAXIMUM
$160,000 $480,000 $950,000
Chart showing the prices and cost of furniture in Stuttgart

Furniture Costs


King Size Bed

430 EUR 530 EUR 710 EUR
MINIMUM AVERAGE MAXIMUM
$460 $580 $770

Double Bed

290 EUR 430 EUR 530 EUR
MINIMUM AVERAGE MAXIMUM
$310 $460 $580

Single Bed

250 EUR 330 EUR 430 EUR
MINIMUM AVERAGE MAXIMUM
$270 $360 $470

Living Room

480 EUR 620 EUR 2,200 EUR
MINIMUM AVERAGE MAXIMUM
$520 $670 $2,300

Dining Table

210 EUR 280 EUR 530 EUR
MINIMUM AVERAGE MAXIMUM
$230 $310 $580

Sofa or Couch

290 EUR 390 EUR 860 EUR
MINIMUM AVERAGE MAXIMUM
$310 $420 $930
Chart showing the prices and cost of electronic devices and appliances in Stuttgart

Electronics and House Appliance Costs


TV Set

290 EUR 430 EUR 860 EUR
MINIMUM AVERAGE MAXIMUM
$310 $460 $930

Fridge or Freezer

250 EUR 390 EUR 540 EUR
MINIMUM AVERAGE MAXIMUM
$270 $420 $580

Washing Machine

330 EUR 470 EUR 850 EUR
MINIMUM AVERAGE MAXIMUM
$350 $510 $920

Stove or Cooker

300 EUR 390 EUR 530 EUR
MINIMUM AVERAGE MAXIMUM
$330 $420 $580

Mobile Phone

360 EUR 430 EUR 610 EUR
MINIMUM AVERAGE MAXIMUM
$390 $460 $660

Laptop or Computer

390 EUR 480 EUR 860 EUR
MINIMUM AVERAGE MAXIMUM
$420 $520 $930

Monthly costs and expenses of energy and basic utilities in Stuttgart

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

23 EUR 160 EUR 1,800 EUR
MINIMUM AVERAGE MAXIMUM
$25 $180 $2,000

Utility Bill Cost / Electricity + Water + Gas / Couple

24 EUR 180 EUR 2,000 EUR
MINIMUM AVERAGE MAXIMUM
$26 $190 $2,200

Utility Bill Cost / Electricity + Water + Gas / Family

46 EUR 230 EUR 2,300 EUR
MINIMUM AVERAGE MAXIMUM
$50 $250 $2,500

Internet and cable cost

22 EUR 43 EUR 57 EUR
MINIMUM AVERAGE MAXIMUM
$23 $47 $62

Mobile phone bill and charges

17 EUR 28 EUR 83 EUR
MINIMUM AVERAGE MAXIMUM
$18 $30 $89

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 expenditure for individuals on electricty, water, and gas in Stuttgart ranges between 23 EUR and 1,800 EUR with average being 160 EUR, meanwhile the expenditure of couples is slightly higher at 180 EUR with 24 EUR and 2,000 EUR being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 230 EUR. The cost of internet and WiFi is unchanged among the three groups and ranges from 22 EUR to 57 EUR with 43 EUR being the average internet bill. Finally, the average monthly mobile charges is around 28 EUR but can range between 17 EUR and 83 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 Stuttgart 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.

Where do people choose to put their savings in Stuttgart

Typical saving choices for people in Stuttgart

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%
Financial literacy and difficulty in budgeting and financial planning in Stuttgart

Financial Literacy in

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 residents of 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 residents of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 28% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 72% said that they have everything under control.

Struggles with finance28%

Easily manages finances72%

Financial goals and targets of people living in Stuttgart

Financial goals of people in Stuttgart

In an attempt to understand the economic situation in Stuttgart, 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 Reduction34%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses9%
Financial Independence8%

Around 7% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 34% said their number one priority is to pay off high-interest debt or loans and improve credit. 8% 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. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 10% 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.

Retirement, pension plans, and life after work in Stuttgart

What does the retirement lifestyle look like in Stuttgart and how much retirement savings are required?

Retirement age

The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.


The typical saved amount of money you should have at every age as multiples of monthly salary:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Stuttgart:
AgeAmount
258,400 EUR
3017,000 EUR
3530,000 EUR
4043,000 EUR
4563,000 EUR
5089,000 EUR
55110,000 EUR
60130,000 EUR
65160,000 EUR

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Source% People
Pensions13%
Savings22%
Investments13%
Social Security8%
Annuities8%
Part-time Job10%
Real Estate17%
Dividends and Interest8%

Retirement Monthly Expenses in Stuttgart

230 EUR
$240
2,000 EUR
$2,200
23,000 EUR
$24,000
MINIMUM AVERAGE MAXIMUM
Distribution of monthly cost of living expenses in Stuttgart

How do people spend their money in Stuttgart?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

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 Expenditure26%

26% of total expenses on average (15% to 34%)

LOW$100   94 EUR
AVERAGE$1,000   940 EUR
HIGH$15,000   14,000 EUR
Per Month

People living in Stuttgart typically spend from 15% to 34% of their total monthly expenditure on housing with 26% being the average. The average spend on housing is 940 EUR with expenditure ranging from 94 EUR to 14,000 EUR. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utilities, Electricity, Water, Internet, Mobile6%

6% of total expenses on average (3% to 10%)

LOW$17   15 EUR
AVERAGE$170   150 EUR
HIGH$2,500   2,300 EUR
Per Month

Utility expenditure like electricity, water, and gas in Stuttgart ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 150 EUR with 15 EUR and 2,300 EUR being the upper and lower limits.

Transport, Fuel, Commute8%

8% of total expenses on average (4% to 12%)

LOW$34   31 EUR
AVERAGE$340   310 EUR
HIGH$5,000   4,600 EUR
Per Month

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 31 EUR to 4,600 EUR on commuting with 310 EUR being the norm for most people in one month. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 4% or as high as 12%.

Food and Groceries Cost27%

27% of total expenses on average (19% to 33%)

LOW$83   77 EUR
AVERAGE$830   770 EUR
HIGH$13,000   12,000 EUR
Per Month

The average outlay on groceries in a month in Stuttgart is 770 EUR. The cost of groceries can range between 77 EUR to 12,000 EUR. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

Healthcare and Medical Services9%

9% of total expenses on average (4% to 12%)

LOW$23   21 EUR
AVERAGE$230   210 EUR
HIGH$3,400   3,200 EUR
Per Month

People in Stuttgart allocate 4% to 12% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 9%. The range of medical expenses range from 21 EUR to 3,200 EUR with 210 EUR being the norm.

Leisure and Shopping6%

6% of total expenses on average (3% to 10%)

LOW$13   12 EUR
AVERAGE$130   120 EUR
HIGH$2,000   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 12 EUR to 1,800 EUR with 120 EUR being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.

Education and Schooling6%

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

LOW$20   18 EUR
AVERAGE$200   180 EUR
HIGH$3,000   2,800 EUR
Per Month

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 180 EUR per month with 18 EUR being the minimum spent amount and 2,800 EUR being the maximum.

Other Expenses12%

12% of total expenses on average (7% to 19%)

LOW$44   40 EUR
AVERAGE$440   400 EUR
HIGH$6,600   6,100 EUR
Per Month
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Stuttgart

Housing costs, accommodation, and housing affordability in Stuttgart

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


Rent Cost in Stuttgart

Monthly Rent Prices

Studio apartment monthly rent cost

370 EUR 550 EUR 1,500 EUR
MINIMUM AVERAGE MAXIMUM
$400 $600 $1,600

1-bedroom apartment monthly rent cost

550 EUR 880 EUR 2,200 EUR
MINIMUM AVERAGE MAXIMUM
$600 $960 $2,400

2-bedroom apartment monthly rent cost

740 EUR 1,100 EUR 3,000 EUR
MINIMUM AVERAGE MAXIMUM
$800 $1,200 $3,200

3-bedroom apartment monthly rent cost

890 EUR 1,500 EUR 4,100 EUR
MINIMUM AVERAGE MAXIMUM
$970 $1,600 $4,400

Furnished apartment monthly rent cost

1,800 EUR 4,400 EUR 8,800 EUR
MINIMUM AVERAGE MAXIMUM
$1,900 $4,800 $9,600

Townhouse monthly rent cost

1,500 EUR 2,200 EUR 6,300 EUR
MINIMUM AVERAGE MAXIMUM
$1,600 $2,400 $6,800

House monthly rent cost

1,800 EUR 4,400 EUR 8,800 EUR
MINIMUM AVERAGE MAXIMUM
$1,900 $4,800 $9,600

Villa monthly rent cost

2,200 EUR 5,500 EUR 8,800 EUR
MINIMUM AVERAGE MAXIMUM
$2,400 $6,000 $9,500

The monthly rental cost of a studio apartment in Stuttgart ranges between 370 EUR and 1,500 EUR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 550 EUR to 2,200 EUR. Two-bedroom rentals rate ranges between 740 EUR and 3,000 EUR per month. The monthly rental for a three-bedroom apartment ranges from 890 EUR to 4,100 EUR. The average rent of a townhouse in Stuttgart is around 2,200 EUR while house rental costs can be as high as 4,400 EUR per month. Finally, if you want to rent a villa, expect to pay anywhere from 2,200 EUR to 8,800 EUR per month.



Apartment and house prices in Stuttgart

Cost of buying a property

Studio apartment price

74,000 EUR 110,000 EUR 220,000 EUR
MINIMUM AVERAGE MAXIMUM
$80,000 $120,000 $240,000

1-bedroom apartment price

89,000 EUR 150,000 EUR 560,000 EUR
MINIMUM AVERAGE MAXIMUM
$97,000 $160,000 $600,000

2-bedroom apartment price

150,000 EUR 440,000 EUR 880,000 EUR
MINIMUM AVERAGE MAXIMUM
$160,000 $480,000 $950,000

3-bedroom apartment price

490,000 EUR 740,000 EUR 2.2M EUR
MINIMUM AVERAGE MAXIMUM
$530,000 $800,000 $2.4M

Townhouse price

630,000 EUR 1.5M EUR 5.5M EUR
MINIMUM AVERAGE MAXIMUM
$690,000 $1.6M $6M

House price

740,000 EUR 4.5M EUR 6.4M EUR
MINIMUM AVERAGE MAXIMUM
$810,000 $4.8M $6.9M

Villa price

890,000 EUR 5M EUR 7.4M EUR
MINIMUM AVERAGE MAXIMUM
$970,000 $5.4M $8.1M

The average price of a studio apartment in Stuttgart can range from 74,000 EUR to 220,000 EUR depending on location. One bedroom cost can be anywhere from 89,000 EUR to 560,000 EUR. A villa can cost you 5M EUR on average with prices ranging from 890,000 EUR to 7.4M EUR.


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


50 x148 monthly income 238
MINIMUM AVERAGE MAXIMUM

Property prices in Stuttgart can be x148 to x238 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x148 multiples of the average monthly salary in Stuttgart.



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 Stuttgart 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
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.


6.3 EUR 63 EUR 940 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.

Food Prices, Dining Expenses, and Grocery Costs in Stuttgart

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


Prices and cost of goods and services in Stuttgart

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

Fast food combo meal price

4.3 EUR 8.5 EUR 14 EUR
MINIMUM AVERAGE MAXIMUM
$4.6 $9.2 $15

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Stuttgart is approximatly 8.5 EUR with meal cost ranging from 4.3 EUR to 14 EUR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

14 EUR 22 EUR 43 EUR
MINIMUM AVERAGE MAXIMUM
$16 $23 $47

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 14 EUR and 43 EUR with 22 EUR being the average price of a plate for one person at a regular restaurant in Stuttgart.

Fine dining meal for one price

28 EUR 43 EUR 170 EUR
MINIMUM AVERAGE MAXIMUM
$31 $46 $180

The price range of a meal at fine-dining restaurant is 28 EUR to 170 EUR with the average cost being 43 EUR for one person. This is what you would expect to pay a top-tier diner in Stuttgart.

Beverage prices, cappuccino, latte etc..

3.6 EUR 5.7 EUR 8.6 EUR
MINIMUM AVERAGE MAXIMUM
$3.9 $6.2 $9.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Stuttgart is around 5.7 EUR. Price ranges between 3.6 EUR and 8.6 EUR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

2.9 EUR 3.4 EUR 4.3 EUR
MINIMUM AVERAGE MAXIMUM
$3.1 $3.7 $4.7

The average price of a large bottle of milk in Stuttgart is 3.4 EUR. The maximum what you would pay for milk is 4.3 EUR and the minimum being 2.9 EUR depending on the brand of milk and other properties.

12 eggs price

2.1 EUR 2.8 EUR 4.3 EUR
MINIMUM AVERAGE MAXIMUM
$2.3 $3.1 $4.6

A dozen eggs costs around 2.8 EUR on average with 2.1 EUR and 4.3 EUR being the lower and upper limits respectively.

Fresh whole chicken price

4.9 EUR 6.3 EUR 9 EUR
MINIMUM AVERAGE MAXIMUM
$5.3 $6.9 $9.7

The price range of a fresh whole chicken in Stuttgart is between 4.9 EUR and 9 EUR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 6.3 EUR.

Pack of beef price

5.8 EUR 8.7 EUR 17 EUR
MINIMUM AVERAGE MAXIMUM
$6.3 $9.4 $19

The price of a regular pack of beef or meat is around 8.7 EUR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

2.3 EUR 3.1 EUR 4.4 EUR
MINIMUM AVERAGE MAXIMUM
$2.5 $3.4 $4.8

A bag of rice in Stuttgart costs around 3.1 EUR on average with prices rangeing between 2.3 EUR and 4.4 EUR depending on the brand and quality.

Bag of tomatos price

0.85 EUR 1.1 EUR 2.1 EUR
MINIMUM AVERAGE MAXIMUM
$0.93 $1.2 $2.3

A bag of tomatoes costs anywhere from 0.85 EUR to 2.1 EUR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1.5 EUR 2 EUR 3.3 EUR
MINIMUM AVERAGE MAXIMUM
$1.7 $2.2 $3.6

A bag of apples costs 2 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 Stuttgart is around 26%. This means that people 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 every population group

A single person living alone spends approximately 440 EUR per month on grocery and food with expenditure fluctuating between 63 EUR and 4,900 EUR depending on location and the type of person. The average cost of food and groceries for a couple is around 560 EUR per month. That number can be get as low as 86 EUR or a high as 5,200 EUR. Families' spending on grocery ranges from 170 EUR to 8,300 EUR with the location, income, and size of the family being the most determinite factors.

Cost of living comparison by city

#1 Nurnberg

The average cost of living in Nurnberg is 2,000 EUR, which is 33% less than the country average. Nurnberg is ranked first in Germany in terms of expendenture and cost of living.


#2 Hannover

The average cost of living in Hannover is 2,100 EUR, which is 33% less than the country average. Hannover is ranked second in Germany in terms of expendenture and cost of living.


#3 Dresden

The average cost of living in Dresden is 2,300 EUR, which is 33% less than the country average. Dresden is ranked third in Germany in terms of expendenture and cost of living.


#4 Leipzig

The average cost of living in Leipzig is 2,400 EUR, which is 33% less than the country average. Leipzig is ranked fourth in Germany in terms of expendenture and cost of living.


#5 Dortmund

The average cost of living in Dortmund is 2,600 EUR, which is 33% less than the country average. Dortmund is ranked fifth in Germany in terms of expendenture and cost of living.


#6 Bremen

The average cost of living in Bremen is 2,800 EUR, which is 33% less than the country average. Bremen is ranked sixth in Germany in terms of expendenture and cost of living.


#7 Essen

The average cost of living in Essen is 2,900 EUR, which is 33% less than the country average. Essen is ranked seventh in Germany in terms of expendenture and cost of living.


#8 Stuttgart

The average cost of living in Stuttgart is 3,100 EUR, which is same as the country average. Stuttgart is ranked eighth in Germany in terms of expendenture and cost of living.


#9 Dusseldorf

The average cost of living in Dusseldorf is 3,300 EUR, which is same as the country average. Dusseldorf is ranked ninth in Germany in terms of expendenture and cost of living.


#10 Frankfurt

The average cost of living in Frankfurt is 3,500 EUR, which is same as the country average. Frankfurt is ranked tenth in Germany in terms of expendenture and cost of living.


#11 Koln

The average cost of living in Koln is 3,700 EUR, which is same as the country average. Koln is ranked eleventh in Germany in terms of expendenture and cost of living.


#12 Munchen

The average cost of living in Munchen is 4,000 EUR, which is 33% more than the country average. Munchen is ranked twelfth in Germany in terms of expendenture and cost of living.


#13 Hamburg

The average cost of living in Hamburg is 4,200 EUR, which is 33% more than the country average. Hamburg is ranked thirteenth in Germany in terms of expendenture and cost of living.


#14 Berlin

The average cost of living in Berlin is 4,500 EUR, which is 33% more than the country average. Berlin is ranked fourteenth in Germany in terms of expendenture and cost of living.


Published: May 23, 2024   Last Update: March 12, 2025



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