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What My Life in Munich REALLY Costs Me in 2026

Between Places

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How much does my life in Munich actually cost?

After breaking down my real cost of living on Samos in Greece, I'm doing the same calculation in Germany.

I live in a 25 m² apartment in Munich and, once I add rent, health insurance, groceries, eating out, coffee, public transport and my phone, my monthly costs come to approximately €3,931.

These are my personal expenses—not average costs for Germany or Munich.

My situation is also unusual because my partner lives in Greece and I maintain parts of my life in both countries.

In this video, I'll show you exactly where the money goes—and explain why some of these German costs continue even when I'm living in Greece.

What surprised you most about these numbers?
— Between Places

3 Comments

@BetweenPlacesLiving Creator 3 weeks ago Pinned

🇩🇪 These are my actual Munich expenses—not an average German budget. And yes, €300 a month on coffee is definitely one area where I could save some money. 😄
What surprised you most: €1,500 for 25 m², €1,200 health insurance, or the €3,931 total?
And for those of you living in Germany: how does your monthly cost compare?
I'm also going to calculate what it really costs me to maintain a life in Germany AND Greece at the same time. That's where the numbers get particularly interesting.

@vonpfrentsch 3 weeks ago

Are you telling us that the kitchen was not fully equipped when you moved into this apartment?

@vonpfrentsch 3 weeks ago (edited)

First of all, I believe you. No question about that. But, imagine: 60€/m²/month is outreagous. And you don´t live in a especially expensive, fancy area. No offense intended. I think you live in Laim/Westend somewhere. Anyway. Also, you could do something on your health insurance. You´re young, you look healthy, get rid of clauses not needed, like "Krankengeld, Krankenhaustagegeld" or whatever makes your insurance so expensive. Imagine how a Lidl or Aldi or xx cashier could afford these expenses? So, together with Samos, you need roughly 5.600/month just for living? 90% of professionals have less than half alltogether per month.