The average cost of living in Netherlands in 2026 for a single person typically ranges between €1,200 and €1,600 (₹1.22L–1.63L) per month, depending on where you live, how you commute, and your lifestyle.
Here is a summary to explain the cost of living in Netherlands in 2026:
The estimated monthly cost for a couple (excluding rent) is around €2,200–2,500 (₹1.22L-1.63L) when factoring in shared expenses like groceries and utilities.
For a family of four, monthly expenses can go up to €4,000–5,000 (₹4.08L–5.10L), depending on the city and their housing choices.
While the Netherlands is one of the costlier European countries for daily living, it provides strong social support systems, high-quality public infrastructure, and good healthcare, making it a valued destination for expats and students.
In this blog, you’ll find a clear breakdown of monthly living costs in Netherlands, covering accommodation, food, transport, utilities, healthcare, and smart budgeting advice for students, working professionals, and families.
Monthly Breakdown of the Cost of Living in Netherlands
The average cost of living in the Netherlands in 2026 varies depending on the city, lifestyle, and household size. For a single person, monthly expenses (excluding rent) typically range from €1,200–1,600 (₹1,22,400–1,63,200). Couples can expect to spend around €2,200–2,500 (₹2,24,400–2,55,000), while a family of four may spend €4,000–5,000 (₹4,08,000–5,10,000), excluding housing.
Major factors influencing costs include food, transportation, utilities, insurance, and entertainment. Cities like Amsterdam and Utrecht are generally more expensive due to higher rent and daily expenses, while smaller towns such as Groningen or Eindhoven offer more affordable living.
Monthly Cost Breakdown in the Netherlands (2026)
Expense Category
Cost Range (€/INR)
Notes
Rent (1BHK)
€900–1,500
(₹91,800–1,53,000)
Central city apartments are pricier
Food & Groceries
€250–450
(₹25,500–45,900)
Home cooking vs dining out
Transportation
€70–150
(₹7,140–15,300)
Public transport monthly pass
Utilities (Electricity, Water, Internet)
€150–250
(₹15,300–25,500)
Depends on usage
Healthcare & Insurance
€100–250
(₹10,200–25,500)
Mandatory health insurance for residents
Miscellaneous
€100–300
(₹10,200–30,600)
Leisure, personal care, and shopping
Note: INR conversions are approximate and may vary based on the currency exchange rates.
The cost of living in the Netherlands varies significantly across cities due to differences in rent, transportation, and general daily expenses. Major urban centers like Amsterdam and Utrecht are more expensive, while cities such as Groningen, Eindhoven, and Maastricht are relatively affordable.
Understanding these variations helps students, expats, and professionals plan their monthly budgets more effectively.
Monthly Cost of Living in Major Dutch Cities (2026)
City
Monthly Cost Range (€/ INR)
Additional Information
Amsterdam
€1,500–2,500
(₹1,53,000–2,55,000)
High rent and living costs, popular among expats
Utrecht
€1,400–2,200
(₹1,42,800–2,24,400)
Central location, good public transport
Rotterdam
€1,300–2,000
(₹1,32,600–2,04,000)
Slightly lower than Amsterdam, modern amenities
The Hague
€1,300–2,100
(₹1,32,600–2,14,200)
Government hub, moderate cost of living
Eindhoven
€1,100–1,800
(₹1,12,200–1,83,600)
Tech city, more affordable housing options
Groningen
€1,000–1,700
(₹1,02,000–1,73,400)
Student-friendly, lower rent and food costs
Maastricht
€1,100–1,800
(₹1,12,200–1,83,600)
Tourist-friendly, but relatively affordable for families
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Accommodation is often the largest monthly expense for students, expats, and professionals in the Netherlands. Prices vary based on city, apartment size, and location.
Urban centers like Amsterdam and Utrecht are the most expensive, while smaller cities such as Groningen, Eindhoven, and Maastricht offer more affordable housing options.
Average Monthly Rent in the Netherlands (2026)
Type of Accommodation
Rent Range (€/INR)
Additional Information
1 BHK Apartment (City Center)
€1,200–2,000
(₹1,22,400–2,04,000)
High demand in central locations
1 BHK Apartment (Outside Center)
€900–1,500
(₹91,800–1,53,000)
Affordable for students or singles
2 BHK Apartment (City Center)
€2,000–3,200
(₹2,04,000–3,26,400)
Suitable for small families or shared living
2 BHK Apartment (Outside Center)
€1,500–2,500
(₹1,53,000–2,55,000)
Budget-friendly suburban option
Student Dorm / Shared Room
€400–900
(₹40,800–91,800)
Common among students and interns
Studio Apartment
€1,000–1,800
(₹1,02,000–1,83,600)
Compact options for singles
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Monthly Food and Grocery Expenses in the Netherlands
Monthly food and grocery costs in the Netherlands depend on lifestyle, eating habits, and whether you cook at home or dine out frequently.
On average, a single person spends €250–450 (₹25,500–45,900) per month on groceries and essentials. Dining out regularly can increase overall costs, especially in major cities like Amsterdam.
Average Monthly Food & Grocery Costs in the Netherlands (2026)
Expense Category
Cost Range (€/INR)
Additional Information
Groceries (Monthly Essentials)
€200–350
(₹20,400–35,700)
For home-cooked meals and basic supplies
Eating Out (Low-Cost Restaurant)
€12–25 per meal
(₹1,224–2,550)
Budget-friendly dining options
Mid-Range Restaurant Meal
€25–50 per meal
(₹2,550–5,100)
For occasional outings or casual dining
Coffee / Snacks
€3–5
(₹306–510)
Daily café or snack expenses
Monthly Household Items
€30–60
(₹3,060–6,120)
Cleaning supplies, toiletries, etc.
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Utilities and internet are essential monthly expenses in the Netherlands, and costs vary depending on apartment size, household consumption, and internet speed.
On average, a single person or small household spends €150–250 (₹15,300–25,500) on utilities, while internet plans start from €30–60 (₹3,060–6,120) per month.
Average Utilities & Internet Costs in the Netherlands (2026)
Expense Type
Cost Range (€/INR)
Additional Information
Electricity & Gas
€100–180
(₹10,200–18,360)
Depends on usage and season
Water Bill
€20–40
(₹2,040–4,080)
Monthly household water consumption
Internet (Basic Plan)
€30–50
(₹3,060–5,100)
50–100 Mbps
Internet (High-Speed)
€50–80
(₹5,100–8,160)
100 Mbps and above
Mobile Recharge / SIM Plan
€10–30
(₹1,020–3,060)
Data and calling packs included
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Transportation Costs in the Netherlands
Transportation in the Netherlands is efficient and well-connected. Most residents rely on public transport, bicycles, or private vehicles. Monthly costs depend on travel frequency, city, and mode of transport. Public transport is affordable for daily commuting, while owning a car increases expenses due to fuel, parking, and insurance.
Average Transportation Costs in the Netherlands (2026)
Transportation Type
Cost Range (€/INR)
Additional Information
Monthly Public Transport Pass
€70–100
(₹7,140–10,200)
Covers buses, trams, and metro within cities
One-way Ticket (City)
€3–5
(₹306–510)
Short-distance travel
Taxi (Per km)
€2–3
(₹204–306)
Fares increase during peak hours
Fuel (1 Liter Petrol)
€1.80–2.00
(₹184–204)
Prices fluctuate based on global rates
Car Maintenance (Monthly Average)
€100–200
(₹10,200–20,400)
Includes minor repairs and servicing
Ride-hailing (Uber/Bolt)
€10–30 per trip
(₹1,020–3,060)
Depends on distance and surge pricing
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Healthcare and Insurance Costs in the Netherlands
Healthcare in the Netherlands is high-quality and accessible, but it comes at a cost. Health insurance is mandatory for residents and most expats, including international students. Monthly expenses depend on coverage type and personal health needs, with additional costs for doctor visits, specialist consultations, and medications.
Average Healthcare & Insurance Costs in the Netherlands (2026)
Expense Type
Cost Range (€/INR)
Additional Information
Basic Health Insurance (Mandatory)
€100–150
(₹10,200–15,300)
Covers essential medical services
Comprehensive Health Insurance
€200–350
(₹20,400–35,700)
Includes private hospitals, specialists, and dental coverage
General Practitioner Visit
€30–50
(₹3,060–5,100)
Most visits are partially covered by insurance
Specialist Consultation
€50–100
(₹5,100–10,200)
Depending on specialty
Prescription Medicines (Monthly)
€20–50
(₹2,040–5,100)
For common medications
Emergency Visit (Hospital)
€100–250
(₹10,200–25,500)
Costs vary if insurance coverage applies
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Education Costs for International Students in the Netherlands
Education in the Netherlands is globally recognized, with many universities offering programs in English. Tuition fees vary depending on the institution, program, and student nationality. International students should also consider living expenses, including accommodation, food, transport, and insurance.
Average Tuition Fees in the Netherlands (2026)
Program Type
Annual Tuition (€?INR)
Additional Information
Bachelor’s Degree
€6,000–15,000
(₹6,12,000–15,30,000)
Public universities offer lower fees; private universities are higher
Master’s Degree
€8,000–20,000 (₹8,16,000–20,40,000)
Tuition depends on program and university
PhD Programs
€12,000–18,000 (₹12,24,000–18,36,000)
Often includes research funding or assistantships
MBA Programs
€15,000–35,000 (₹15,30,000–35,70,000)
Private and international programs are more expensive
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Planning to Study in the Netherlands? Know about IELTS or TOEFL to meet university requirements and start your study abroad journey with confidence.
Cost of Living in Netherlands vs India
The cost of living in the Netherlands is generally higher than in India across most categories, mainly due to rent, groceries, transportation, and healthcare. On average, living in the Netherlands is 2–3 times more expensive than in India, though salaries and quality of infrastructure are proportionally higher.
Monthly Cost Comparison: Netherlands vs India (2026)
Expense Category
Netherlands (€/INR)
India (Average INR)
Rent (1 BHK)
€900–1,500
(₹91,800–1,53,000)
₹10,000–20,000
Food & Groceries
€250–450
(₹25,500–45,900)
₹6,000–10,000
Transportation
€70–150
(₹7,140–15,300)
₹1,000–3,000
Utilities & Internet
€150–250
(₹15,300–25,500)
₹2,000–5,000
Healthcare & Insurance
€100–250
(₹10,200–25,500)
₹1,000–3,000
Eating Out
€12–25 per meal (₹1,224–2,550)
₹200–500
Miscellaneous
€100–300
(₹10,200–30,600)
₹3,000–7,000
Note: INR conversions are approximate and may vary based on the currency exchange rates.
Budgeting Tips for Expats and Students in the Netherlands
Managing expenses in the Netherlands requires planning, as the cost of living is higher than in India. Smart budgeting can help students and expats live comfortably while keeping monthly costs under control. By prioritizing essentials, choosing affordable housing, and using local services, you can stretch your budget effectively.
Practical Budgeting Tips for Netherlands (2026)
Choose Suburban Housing: Living slightly outside city centers like Amsterdam or Utrecht can save 20–30% on rent without sacrificing convenience.
Cook at Home: Prepare meals using groceries from local supermarkets to reduce food expenses. Avoid dining out frequently in tourist-heavy areas.
Use Public Transport: Monthly passes for buses, trams, and trains are more affordable than taxis or ride-hailing apps.
Share Accommodation: Split rent, utilities, and internet with roommates to lower costs, especially for students.
Track Expenses: Use budget apps to monitor monthly spending and avoid unnecessary purchases.
Buy Local Products: Choose local brands over imported items to save on groceries and household goods.
Take Advantage of Student Discounts: Many museums, transport services, and stores offer discounts for students.
Basic Health Insurance: Opt for mandatory student health plans rather than comprehensive private plans unless necessary.
Plan Tuition and Visa Payments Early: Avoid last-minute financial strain by scheduling education-related payments in advance.
Limit Luxury Spending: Reduce leisure or entertainment costs by enjoying free or low-cost local events, parks, and cultural activities.
Tip: Combining these strategies can help keep your cost of living in the Netherlands within your budget, making it easier to enjoy a comfortable lifestyle while studying or working abroad.
Conclusion
The cost of living in the Netherlands in 2026 ranges between €1,200–2,000 (₹1,22,400–2,04,000) per month, depending on city, lifestyle, and housing. Major expenses include accommodation, food, transportation, utilities, healthcare, and education for international students.
Cities like Amsterdam, Utrecht, and The Hague are more expensive, while Groningen, Eindhoven, and Maastricht offer affordable options without compromising quality of life. With careful budgeting, shared housing, and smart spending, students and expats can live comfortably and manage finances effectively.
The cost of living in Netherlands is higher than many countries, but students can manage with part-time work, shared accommodation, and smart budgeting. University cities often provide discounts on transport and cultural activities to ease living expenses.
How much should I save monthly as a student in the Netherlands?
On average, students should budget around €1,000–1,500 (₹1,02,000–1,53,000) per month for rent, food, transport, and utilities. Understanding the average cost of living in Netherlands helps students plan their finances efficiently.
Are there affordable cities to live in the Netherlands?
Yes, cities like Groningen, Eindhoven, and Maastricht have lower living costs compared to Amsterdam or Utrecht. These locations help reduce the cost of living in Netherlands for Indian families and international students.
Can international students work in the Netherlands to cover expenses?
Yes, international students can work part-time up to 16 hours per week during study periods. Earnings can help offset the cost of living in Netherlands, especially for rent, food, and transportation.
How reliable is public transport in the Netherlands?
Public transport is efficient and punctual, including buses, trams, and trains. While monthly passes help reduce costs, students often combine cycling with public transport to manage the average cost of living in Netherlands.
Do I need health insurance in the Netherlands?
Yes, health insurance is mandatory. Basic plans cover essential care, while comprehensive plans include private clinics and specialist consultations. Insurance is a significant part of the monthly cost of living in Netherlands for Indian families and students.
Are groceries expensive in the Netherlands?
Groceries are moderately priced, with local markets and supermarkets offering affordable options. Imported products can be costlier. Students can reduce costs by choosing seasonal produce, cooking at home, and managing the average cost of living in Netherlands.
Is it expensive to eat out in the Netherlands?
Eating out is generally more expensive than home cooking, especially in tourist areas. Budget-friendly cafés, student canteens, and local eateries help manage dining costs, contributing to the cost of living in Netherlands for Indian families.
Is it cheaper to bike or use public transport daily?
Cycling is the cheapest option. A used bike costs €150–€300 (INR 13,500–27,000) with minimal maintenance, while a monthly public transport pass costs €105–€150 (INR 9,450–13,500). Biking also saves time in city traffic.
Do expats find it easy to adapt financially in the Netherlands?
Expats can adapt well by understanding local prices, using public services, and budgeting. Combining shared housing, meal planning, and local shopping reduces expenses, making the cost of living in Netherlands manageable.
How much does mobile and internet cost monthly?
Internet and mobile plans range from €30–80 (₹3,060–8,160) per month depending on speed and data. Students often share broadband in apartments to lower costs, helping manage the average cost of living in Netherlands effectively.
Can international students open a bank account easily?
Yes, students can open Dutch bank accounts with proof of enrollment and ID. Monthly fees are usually €0–€5 (INR 0–450), making it easy to receive scholarships, pay rent, and manage daily expenses efficiently.
Are there student discounts for transportation and activities?
Many cities and universities offer student discounts for public transport, museums, cinemas, and cultural events. Utilizing these discounts helps reduce overall monthly expenses and manage the average cost of living in Netherlands for students.
Do utilities significantly impact monthly expenses?
Utilities like electricity, water, and heating vary with apartment size and usage. Sharing accommodation and monitoring consumption helps manage these costs, lowering the cost of living in Netherlands for Indian families and students.
Is owning a car necessary for expats?
Not always. Public transport and cycling cover most commuting needs. Owning a car increases expenses due to fuel, insurance, and parking, significantly raising the cost of living in Netherlands.
Can students and expats live comfortably on a tight budget?
Yes, careful planning, shared accommodation, home cooking, public transport, and using local services allow both students and expats to live comfortably. Proper budgeting ensures the cost of living in Netherlands vs India remains manageable.
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