Cost Of Living in Stuttgart 2025

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.

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 options62%

Few low-cost options38%

Based on the survey, 62% of the people living in Stuttgart have no problem finding low-cost alternatives to support a frugal lifestyle while 38% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Singles

The average monthly expense for a single person living in Stuttgart is 2,700 EUR. Expenses can range from 380 EUR at the minimum level to 18,000 EUR at the highest end.

Couples

The average monthly spending of couples in Stuttgart is 4,500 EUR. Expenditure can range from 1,500 EUR to 24,000 EUR per month.

Families

The average cost of living for families in Stuttgart is 6,000 EUR per month. Families spend anywhere from 2,100 EUR to 39,000 EUR.

Students

The average monthly expenditure for students in Stuttgart is 1,900 EUR. Students spend from 300 EUR to 13,000 EUR per month.

SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Stuttgart

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.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Stuttgart is 82% This means that on average, people spend around 82% of their income for living. According to the distribution table, 18% of the population spend approximately 60% to 70% of their income every month.

Individual
74%
Spending-Income-Ratio

---

66%

83%

Couple
78%
Spending-Income-Ratio

---

69%

88%

Family
86%
Spending-Income-Ratio

---

77%

97%

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?

Almost 67% of the surveyed people in Stuttgart said that they can save some money at the end of each month while 33% said that aren't saving anything.

Percentage of people saving money by population group in Stuttgart

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 14% to 35% of their monthly income is what they can allocate to their savings, with 23% being the average. The amount of money that people can save is approximately 1,600 EUR on average with savings ranging from 120 EUR to 16,000 EUR.

73% of surveyed singles reported some of their income going to savings while 68% of couples said the same. 63% of families confirmed their ability to save money.

How much money do people actually save in Stuttgart?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 17% to 37% of their monthly income to savings, with 27% being the average for most singles. The average amount of money that singles are able to save is 1,100 EUR with 120 EUR and 7,300 EUR being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 15% to 36% of their monthly income, with 25% being the average for most couples. The average amount of money that couples can save is 1,800 EUR with 600 EUR and 9,700 EUR being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Stuttgart can save anywhere between 13% to 32% of their monthly income, with 21% being the average for most families. The average amount of money that families can put aside is 2,400 EUR with 850 EUR and 16,000 EUR being the minimum and maximum respectively.

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.

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.

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?

Around 77% of surveyed residents think that living in Stuttgart is affordable with proper budgeting while 23% reported that it is just too expensive and not affordable even with frugality and thriftness.

Debt, loans, and mortgages in Stuttgart

Percentage of people who are in debt

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.

Debt-to-income ratio in Stuttgart

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

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

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.

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.

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 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.

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.

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

Food Prices, Dining Expenses, and Grocery Costs in Stuttgart

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

4.1 EUR

8.2 EUR

14 EUR

MINIMUM

AVERAGE

MAXIMUM

$4.5

$8.9

$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 8.2 EUR with meal cost ranging from 4.1 EUR to 14 EUR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

14 EUR

21 EUR

41 EUR

MINIMUM

AVERAGE

MAXIMUM

$15

$22

$45

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 14 EUR and 41 EUR with 21 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

41 EUR

170 EUR

MINIMUM

AVERAGE

MAXIMUM

$30

$45

$180

The price range of a meal at fine-dining restaurant is 28 EUR to 170 EUR with the average cost being 41 EUR for one person. This is what you would expect to pay a top-tier diner in Stuttgart.

Beverage prices, cappuccino, latte etc..

3.4 EUR

5.5 EUR

8.2 EUR

MINIMUM

AVERAGE

MAXIMUM

$3.7

$5.9

$8.9

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Stuttgart is around 5.5 EUR. Price ranges between 3.4 EUR and 8.2 EUR depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

2.7 EUR

3.3 EUR

4.1 EUR

MINIMUM

AVERAGE

MAXIMUM

$3

$3.6

$4.5

The average price of a large bottle of milk in Stuttgart is 3.3 EUR. The maximum what you would pay for milk is 4.1 EUR and the minimum being 2.7 EUR depending on the brand of milk and other properties.

12 eggs price

2.1 EUR

2.7 EUR

4.1 EUR

MINIMUM

AVERAGE

MAXIMUM

$2.2

$3

$4.5

A dozen eggs costs around 2.7 EUR on average with 2.1 EUR and 4.1 EUR being the lower and upper limits respectively.

Fresh whole chicken price

4.7 EUR

6 EUR

8.6 EUR

MINIMUM

AVERAGE

MAXIMUM

$5.1

$6.5

$9.3

The price range of a fresh whole chicken in Stuttgart is between 4.7 EUR and 8.6 EUR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 6 EUR.

Pack of beef price

5.5 EUR

8.2 EUR

16 EUR

MINIMUM

AVERAGE

MAXIMUM

$5.9

$8.9

$18

The price of a regular pack of beef or meat is around 8.2 EUR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

2.2 EUR

3 EUR

4.3 EUR

MINIMUM

AVERAGE

MAXIMUM

$2.4

$3.3

$4.6

A bag of rice in Stuttgart costs around 3 EUR on average with prices rangeing between 2.2 EUR and 4.3 EUR depending on the brand and quality.

Bag of tomatos price

0.82 EUR

1.1 EUR

2.1 EUR

MINIMUM

AVERAGE

MAXIMUM

$0.89

$1.2

$2.2

A bag of tomatoes costs anywhere from 0.82 EUR to 2.1 EUR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1.5 EUR

1.9 EUR

3.2 EUR

MINIMUM

AVERAGE

MAXIMUM

$1.6

$2.1

$3.4

A bag of apples costs 1.9 EUR on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Stuttgart is around 25%. This means that people spend 25% of their income on grocery and basic household items. The expenditure can range from 17% to 32% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 430 EUR per month on grocery and food with expenditure fluctuating between 61 EUR and 2,900 EUR depending on location and the type of person. The average cost of food and groceries for a couple is around 630 EUR per month. That number can be get as low as 210 EUR or a high as 3,300 EUR. Families' spending on grocery ranges from 380 EUR to 7,000 EUR with the location, income, and size of the family being the most determinite factors.

Typical saving choices for people in Stuttgart

Where do people choose to put their savings?

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.

Yes74%

No26%

Based on the survey, 26% of the people living in Stuttgart said that they don't have an emergency fund while 74% said that they do.

Housing costs, accommodation, and housing affordability in Stuttgart

Rent Cost in Stuttgart

Monthly Rent Prices

Studio apartment monthly rent cost

350 EUR

520 EUR

1,400 EUR

MINIMUM

AVERAGE

MAXIMUM

$380

$570

$1,500

1-bedroom apartment monthly rent cost

520 EUR

840 EUR

2,100 EUR

MINIMUM

AVERAGE

MAXIMUM

$570

$910

$2,300

2-bedroom apartment monthly rent cost

700 EUR

1,000 EUR

2,800 EUR

MINIMUM

AVERAGE

MAXIMUM

$760

$1,100

$3,000

3-bedroom apartment monthly rent cost

840 EUR

1,400 EUR

3,800 EUR

MINIMUM

AVERAGE

MAXIMUM

$910

$1,500

$4,100

Furnished apartment monthly rent cost

1,700 EUR

4,200 EUR

8,400 EUR

MINIMUM

AVERAGE

MAXIMUM

$1,800

$4,500

$9,100

Townhouse monthly rent cost

1,400 EUR

2,100 EUR

6,000 EUR

MINIMUM

AVERAGE

MAXIMUM

$1,500

$2,300

$6,500

House monthly rent cost

1,700 EUR

4,200 EUR

8,400 EUR

MINIMUM

AVERAGE

MAXIMUM

$1,800

$4,500

$9,100

Villa monthly rent cost

2,100 EUR

5,200 EUR

8,400 EUR

MINIMUM

AVERAGE

MAXIMUM

$2,300

$5,700

$9,100

The monthly rental cost of a studio apartment in Stuttgart ranges between 350 EUR and 1,400 EUR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 520 EUR to 2,100 EUR. Two-bedroom rentals rate ranges between 700 EUR and 2,800 EUR per month. The monthly rental for a three-bedroom apartment ranges from 840 EUR to 3,800 EUR. The average rent of a townhouse in Stuttgart is around 2,100 EUR while house rental costs can be as high as 4,200 EUR per month. Finally, if you want to rent a villa, expect to pay anywhere from 2,100 EUR to 8,400 EUR per month.

Apartment and house prices in Stuttgart

Cost of buying a property

Studio apartment price

70,000 EUR

100,000 EUR

210,000 EUR

MINIMUM

AVERAGE

MAXIMUM

$76,000

$110,000

$230,000

1-bedroom apartment price

84,000 EUR

140,000 EUR

520,000 EUR

MINIMUM

AVERAGE

MAXIMUM

$91,000

$150,000

$570,000

2-bedroom apartment price

140,000 EUR

420,000 EUR

840,000 EUR

MINIMUM

AVERAGE

MAXIMUM

$150,000

$450,000

$910,000

3-bedroom apartment price

470,000 EUR

700,000 EUR

2.1M EUR

MINIMUM

AVERAGE

MAXIMUM

$500,000

$760,000

$2.3M

Townhouse price

600,000 EUR

1.4M EUR

5.2M EUR

MINIMUM

AVERAGE

MAXIMUM

$650,000

$1.5M

$5.7M

House price

700,000 EUR

4.2M EUR

6M EUR

MINIMUM

AVERAGE

MAXIMUM

$760,000

$4.5M

$6.5M

Villa price

840,000 EUR

4.7M EUR

7M EUR

MINIMUM

AVERAGE

MAXIMUM

$910,000

$5M

$7.6M

The average price of a studio apartment in Stuttgart can range from 70,000 EUR to 210,000 EUR depending on location. One bedroom cost can be anywhere from 84,000 EUR to 520,000 EUR. A villa can cost you 4.7M EUR on average with prices ranging from 840,000 EUR to 7M EUR.

House / apartment prices to income ratio

Property prices in Stuttgart can be x141 to x226 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x141 multiples of the average monthly salary in Stuttgart.

Rent to income ratio

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 24% to 45% depending on the salary, location, and type of property.

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.

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.

How do people spend their money in Stuttgart?

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

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 1,200 EUR with expenditure ranging from 89 EUR to 12,000 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.

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 190 EUR with 15 EUR and 1,900 EUR being the upper and lower limits.

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 30 EUR to 3,900 EUR on commuting with 390 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%.

The average outlay on groceries in a month in Stuttgart is 970 EUR. The cost of groceries can range between 74 EUR to 9,700 EUR. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

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 2,700 EUR with 270 EUR being the norm.

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 1,500 EUR with 150 EUR being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.

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 230 EUR per month with 18 EUR being the minimum spent amount and 2,300 EUR being the maximum.

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.

Retirement Income Distribution

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

Retirement Monthly Expenses in Stuttgart

Monthly costs and expenses of energy and basic utilities in Stuttgart

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

Utility Bill Cost / Electricity + Water + Gas / Individual

23 EUR

160 EUR

1,100 EUR

MINIMUM

AVERAGE

MAXIMUM

$25

$170

$1,200

Utility Bill Cost / Electricity + Water + Gas / Couple

60 EUR

200 EUR

1,300 EUR

MINIMUM

AVERAGE

MAXIMUM

$65

$220

$1,400

Utility Bill Cost / Electricity + Water + Gas / Family

100 EUR

300 EUR

1,900 EUR

MINIMUM

AVERAGE

MAXIMUM

$110

$320

$2,100

Internet and cable cost

21 EUR

41 EUR

55 EUR

MINIMUM

AVERAGE

MAXIMUM

$22

$45

$59

Mobile phone bill and charges

16 EUR

27 EUR

82 EUR

MINIMUM

AVERAGE

MAXIMUM

$18

$30

$89

The average monthly expenditure for individuals on electricty, water, and gas in Stuttgart ranges between 23 EUR and 1,100 EUR with average being 160 EUR, meanwhile the expenditure of couples is slightly higher at 200 EUR with 60 EUR and 1,300 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 300 EUR. The cost of internet and WiFi is unchanged among the three groups and ranges from 21 EUR to 55 EUR with 41 EUR being the average internet bill. Finally, the average monthly mobile charges is around 27 EUR but can range between 16 EUR and 82 EUR depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

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 8.1% depending on salary and location.

StudentCost of living and expenses break down for students living in Stuttgart

CoupleAverage monthly living expenditure breaks and spending patterns for couples in Stuttgart

FamilyAverage monthly expenses and break out of spending for families living in Stuttgart