Latest update: Inflation in the Netherlands reached 4.1% YoY, driven by rising food and restaurant costs. This rate is higher than the eurozone average, impacting daily living expenses for residents and expats.
The cost of living in Netherlands varies based on city, lifestyle, and accommodation type. On average, international students or professionals may spend around €1,000 to €1,500 (₹90,000–₹1.3 lakh) per month, excluding tuition fees. Cities like Amsterdam, Utrecht, and Rotterdam tend to be more expensive, especially for housing. According to Numbeo 2025 data, rent for a one-bedroom apartment in Amsterdam city centre can go up to €1,600 (₹1.4 lakh) per month, while in smaller cities it ranges from €700–€900 (₹63,000–₹80,000).
Daily essentials like groceries cost around €200–€300, and public transport passes are roughly €70–€100/month. Health insurance, which is mandatory, may cost €100–€120/month. Understanding these expenses helps students and expats plan finances better and avoid surprises after moving.
With top universities, a strong economy, and a high standard of living, Netherlands remains a top choice for expats and students.
Cost of Living in Netherlands in 2025: An Overview
The cost of living in Netherlands varies widely depending on the city. While Amsterdam ranks among the most expensive places to live, cities like Groningen, Eindhoven, and Nijmegen provide more affordable lifestyles (CBS Netherlands, 2025). From housing to daily expenses, the key to managing your budget lies in smart planning and choosing the right location for your needs.
Students: €1,200–€1,800 (INR 114,000–INR 171,000) per month. Government-subsidized housing, part-time work, and student discounts help cut costs. Learn how to study abroad for free with scholarships.
Professionals: €2,000–€3,500 (INR 190,000–INR 332,500). Salaries in tech, finance, and healthcare are competitive, but taxes and social security contributions affect take-home income.
Families: €3,500–€5,500 (INR 332,500–INR 522,500). Public schooling is free, but international schools and childcare are expensive.
Cost of Living in Netherlands: Average Monthly Expenses (2025)
Expense Category
Average Monthly Cost (€)
Notes
Rent (Shared/Studio/2BHK)
€800–€1,800 (INR 76,000–INR 171,000)
Amsterdam costs 50% more than Rotterdam
Utilities (Electricity, Water, Internet)
€150–€250 (INR 14,250–INR 23,750)
Winter heating can push costs higher
Groceries
€250–€400 (INR 23,750–INR 38,000)
Albert Heijn, Lidl, and Jumbo are popular choices
Public Transport
€105–€150 (INR 9,975–INR 14,250)
Monthly NS train pass for intercity travel
Dining Out & Entertainment
€200–€500 (INR 19,000–INR 47,500)
Cafés and bars are pricier in tourist areas
Healthcare (Insurance & GP visits)
€120–€200 (INR 11,400–INR 19,000)
Basic insurance is mandatory (Zorginstituut Nederland, 2025)
Rent is a major contributor to the cost of living in Netherlands, especially for students and working professionals. According to CBS Netherlands (2025), rental prices have risen by 2.1% year-on-year due to growing demand from expats and international students.
Amsterdam remains the priciest city, with monthly rent for a one-bedroom apartment averaging around €1,500 (₹1.35 lakhs). In contrast, cities like Eindhoven and Groningen offer more affordable options, with rents starting from €800–€1,000 (₹72K–₹90K).
Average Monthly Rent in Netherlands (2025)
Accommodation Type
Average Monthly Rent (€)
Notes
Room in Shared Flat
€600–€1,000 (INR 57,000–INR 95,000)
Ideal for students and young professionals
Studio Apartment
€1,200–€1,800 (INR 114,000–INR 171,000)
Suitable for singles or couples
1-Bedroom Apartment
€1,600–€2,500 (INR 152,000–INR 237,500)
Higher prices in Amsterdam & Utrecht
2–3 Room Apartment
€2,400–€3,500 (INR 228,000–INR 332,500)
Popular among families & professionals
4+ Room Apartment/House
€3,500+ (INR 332,500+)
Limited availability in city centers
Conversion rates may vary.
Data Source:CBS Netherlands, Pararius, Dutch Rental Market Report (2025).
Upfront Costs & Rental Agreements
Security Deposit: Typically 1–2 months’ rent upfront.
Prepaid Rent: Some landlords ask for first and last month’s rent in advance.
Lease Duration: 12-month contracts are standard, with short-term leases priced 20–40% higher.
Tips for Finding Affordable Rent
Student Housing: DUWO & SSH offer rooms from €500 (INR 47,500) per month.
Government Rent Subsidies: If your annual income is below €33,000 (INR 3,510,440), you may qualify for Huurtoeslag (Dutch Rent Allowance) (Belastingdienst, 2025).
Best Rental Platforms: Funda, Pararius, Kamernet list verified properties.
Social Media & Local Groups: Facebook groups like Expats in Netherlands help find sublets and house shares.
Cost of Living in Netherlands: Food and Grocery Prices
When it comes to the cost of living in Netherlands, food expenses vary based on your lifestyle. Home cooking is far more affordable than eating out, especially in major cities. According to Numbeo (2025), dining at restaurants can cost 2–3 times more than preparing meals at home.
Eating Out: Meals at budget restaurants cost €15–€25 (INR 1,425–2,375), while a three-course dinner for two at mid-range spots costs €60–€90 (INR 5,700–8,550). Amsterdam is priciest; Eindhoven and Groningen are more affordable.
Cooking at Home: Weekly groceries for one person cost €50–€90 (INR 4,750–8,550). Lidl, Aldi, and Jumbo are cheaper options compared to premium stores like Albert Heijn.
Average Grocery Prices in Netherlands (2025)
Grocery Item
Average Price (€)
Where to Buy
Milk (1L)
€1.20 (INR 114)
Albert Heijn, Jumbo, Lidl
Bread (500g)
€2.00 (INR 190)
Jumbo, Aldi, Local Bakeries
Eggs (12)
€3.50 (INR 332.5)
Lidl, Jumbo, Albert Heijn
Chicken (1kg)
€9.00 (INR 855)
Albert Heijn, Jumbo, Butcher Shops
Apples (1kg)
€3.00 (INR 285)
Lidl, Aldi, Weekly Farmers’ Markets
Rice (1kg)
€2.50 (INR 237.5)
Jumbo, Lidl, Asian Grocery Stores
Coffee (250g)
€4.50 (INR 427.5)
Albert Heijn, Lidl, Jumbo
Beer (500ml)
€2.80 (INR 266)
Supermarkets, Local Liquor Stores
Conversion rates may vary.
Data Source:Numbeo, Dutch Supermarket Price Lists, CBS Netherlands (2025)
The Netherlands has one of the best public transport networks in Europe, covering buses, trams, metros, and trains operated by NS (Nederlandse Spoorwegen), GVB (Amsterdam), RET (Rotterdam), and HTM (The Hague). Cycling remains the most affordable and convenient mode of transport, with over 36% of Dutch residents using bicycles for daily commutes (Dutch Transport Authority, 2025).
Average Monthly Transportation Costs in Netherlands (2025)
Mode of Transport
Monthly Cost (€)
Additional Notes
Public Transport Pass
€105–€150 (INR 9,975–INR 14,250)
Covers bus, tram, metro, & local trains
Single Bus/Tram Ticket
€2.90 (INR 275.5)
Valid for 60–90 minutes
Taxi (per km)
€2.50 (INR 237.5)
Higher in Amsterdam & The Hague
Fuel (per liter)
€1.85 (INR 175.75)
Petrol & diesel prices fluctuate
Car Insurance
€80–€200 (INR 7,600–INR 19,000)
Based on age & vehicle type
Road Tax
€600–€1,200 (INR 57,000–INR 114,000) per year
Depends on car emissions
Parking Fees (Amsterdam city center)
€3–€7 per hour (INR 285–INR 665)
Monthly passes available
Bicycle Rental (OV-fiets)
€4.45 per day (INR 422.75)
Available at train stations
Conversion rates may vary. Data Source:NS Netherlands, Dutch Transport Authority, CBS Netherlands (2025).
Curious about study-abroad myths? Read Common Study Abroad Myths to clear up misconceptions before planning your move.
Cost of Living in Netherlands: Utility Bills and Internet Charges
Utility expenses in the Netherlands vary by household size, city, and season. Heating costs rise by 40–60% in winter, especially in colder regions like Groningen and Friesland (CBS Netherlands, 2025). On average, utility bills (electricity, heating, cooling, water, garbage) range from €150–€250/month (INR 14,250–23,750).
The cost of living in Netherlands can be optimized with energy-saving solutions. The Dutch government offers tax benefits for households using solar panels or energy-efficient heating systems (Dutch Energy Authority, 2025).
Average Monthly Utility & Internet Costs in Netherlands (2025)
Utility Type
Average Monthly Cost (€)
Provider Examples
Electricity (3-person household)
€150–€250 (INR 14,250–INR 23,750)
Eneco, Vattenfall, Essent
Heating (Gas)
€100–€180 (INR 9,500–INR 17,100)
GasTerra, Vattenfall
Water
€30–€60 (INR 2,850–INR 5,700)
Vitens, Waternet, Brabant Water
Internet (100 Mbps)
€40–€70 (INR 3,800–INR 6,650)
Ziggo, KPN, T-Mobile
Mobile Plan (Unlimited Data)
€25–€50 (INR 2,375–INR 4,750)
Vodafone, KPN, T-Mobile
Conversion rates may vary. Data Source:CBS Netherlands, Dutch Utility Providers, ISP Reports (2025).
Studying in Netherlands? Prepare for entrance exams with IELTS Preparation or explore alternatives like PTE and GRE for university admissions.
Cost of Living in Netherlands: Healthcare Expenses
Healthcare is a key component of the cost of living in Netherlands, as all residents—including international students and expats, must have basic health insurance (Zorgverzekeringswet). The Dutch system provides high-quality public healthcare, covering GP visits, hospital care, and emergencies (Dutch Healthcare Authority, 2025).
While public insurance is mandatory, private plans offer faster access to specialists and dental services.
Average Healthcare Costs in Netherlands (2025)
Healthcare Service
Cost (€)
Notes
Basic Health Insurance
€140–€165 (INR 13,300–INR 15,675)
Mandatory for residents
GP Visit
€30–€50 (INR 2,850–INR 4,750)
Free under basic insurance
Emergency Treatment
Free
Covered by public insurance
Specialist Consultation
€100–€200 (INR 9,500–INR 19,000)
Referral required
Prescription Medication
€10–€40 (INR 950–INR 3,800)
Prices vary by medication
Dental Check-up
€50–€100 (INR 4,750–INR 9,500)
Not covered under public insurance
Private Health Insurance
€50–€150 (INR 4,750–INR 14,250)
Covers dental, physiotherapy
Conversion rates may vary. Data Source:Dutch Healthcare Authority, Zorgverzekeraars Nederland, CBS Netherlands (2025).
Tips to Manage Healthcare Costs:
Compare Insurance Plans – Check providers like Zilveren Kruis, Menzis, and VGZ for affordable policies.
Use Dutch GP Referrals – Seeing a huisarts (GP) first is mandatory to avoid extra specialist fees.
Apply for Healthcare Allowance (Zorgtoeslag) – If earning below €32,500 annually, you may qualify for €110 per month in subsidies.
Use Public Healthcare When Possible – Private hospitals cost 50–100% more for non-urgent procedures.
Applying for Dutch universities? Improve your test scores with GMAT Preparation to boost your chances of getting into top business schools.
Cost of Living in Netherlands: Schools and Universities
The Netherlands is a top study destination, but tuition fees for non-EU students, including Indian students, are higher than for EU residents (Dutch Ministry of Education, 2025).
Public Universities: Bachelor's degrees cost €6,000–€15,000 (INR 570,000–INR 1,425,000) per year, while master's programs range from €8,000–€20,000 (INR 760,000–INR 1,900,000) per year.
Private Universities: Institutions like Nyenrode Business University charge up to €35,000(INR 3,325,000) per year.
Scholarships: Options like the Orange Tulip Scholarship, Holland Scholarship, and Erasmus+ help reduce costs.
Schooling for Families: Public schools are free for residents, while international schools cost €7,000–€20,000 (INR 665,000–INR 1,900,000)per year.
Tuition Fees in Netherlands (2025) – Non-EU Students
Cost of Living in Netherlands: Entertainment and Leisure
The Netherlands offers a range of activities, from dining out to museums and outdoor sports. Eating out is expensive, but budget-friendly options like FEBO, Wok to Walk, and Albert Heijn To-Go make meals affordable.
Restaurants: A mid-range meal costs €15–€25 (INR 1,425–INR 2,375) per person.
Movies & Events: Cinema tickets range from €12–€15 (INR 1,140–INR 1,425), while concerts cost €40–€120 (INR 3,800–INR 11,400).
Gyms & Sports: Memberships start at €30–€60 (INR 2,850–INR 5,700) per month.
Average Entertainment & Leisure Costs in Netherlands (2025)
Activity
Average Cost (€)
Notes
Meal at Mid-Range Restaurant
€15–€25 (INR 1,425–INR 2,375)
Per person
Fast Food (McDonald's, FEBO)
€8–€12 (INR 760–INR 1,140)
Combo meal
Coffee at a Café
€3–€5 (INR 285–INR 475)
Cappuccino or latte
Cinema Ticket
€12–€15 (INR 1,140–INR 1,425)
Standard screening
Gym Membership
€30–€60 (INR 2,850–INR 5,700)
Monthly
Concert Ticket
€40–€120 (INR 3,800–INR 11,400)
Depends on artist & venue
Bike Rental (Monthly)
€15–€30 (INR 1,425–INR 2,850)
Swapfiets, OV-fiets
On a budget? Many museums have free entry days, and cycling is the cheapest way to explore Dutch cities.
Salaries in Netherlands vary widely based on industry, experience, and location. The average gross salary in 2025 is €3,500–€4,000 (INR 332,500–INR 380,000) per month, but after taxes, take-home pay is lower due to income tax (up to 49.5%), social security, and pension contributions (CBS - Statistics Netherlands, 2025).
Important tax rule for expats: The 30% ruling allows highly skilled workers to receive 30% of their salary tax-free, making Netherlands attractive for professionals in IT, engineering, and finance (Dutch Tax Authority, 2025).
Student Tip: If you work part-time while studying, your hourly wage is around €12–€15 (INR 1,140–INR 1,425). EU students can work without restrictions, but non-EU students can work a maximum of 16 hours per week (IND Netherlands, 2025).
Student Tip: Eindhoven and Groningen offer cheaper rent, with student housing from €600 (₹52K) per month.
How Does Netherlands’ Cost of Living Compare to Other European Countries?
The Netherlands is more expensive than Spain and Sweden but cheaper than the UK and parts of Germany (Eurostat, 2025). Rent in Amsterdam is as high as London’s, while cities like Eindhoven and Rotterdam offer more affordable living options.
Cost of Living: Netherlands vs. Other European Countries (2025)
Country
Average Monthly Cost (€)
Key Differences
Netherlands
€2,200–€3,200 (INR 209,000–INR 304,000)
High rent in Amsterdam, lower in other cities
Germany
€1,800–€2,800 (INR 171,000–INR 266,000)
Cheaper rent, lower healthcare costs
France
€2,100–€3,000 (INR 199,500–INR 285,000)
Affordable groceries, higher taxes
Spain
€1,500–€2,500 (INR 142,500–INR 237,500)
Lowest rent and food costs
Sweden
€2,000–€3,000 (INR 190,000–INR 285,000)
High taxes but good public benefits
United Kingdom (London)
€2,800–€4,000 (INR 266,000–INR 380,000)
Most expensive, costly public transport
Looking for a budget-friendly study destination? Read Cost of Living in Europe for a complete comparison.
Check Out upGrad Abroad’s Expense Calculator
Not sure how much you’ll need? The upGrad Abroad Expense Calculator helps you estimate living costs based on your study destination, lifestyle, and expected expenses.
What Does It Cover?
Tuition Fees – Based on university and program selection.
Accommodation – On-campus vs. private apartments.
Food & Groceries – Eating out vs. cooking at home.
Transport Costs – Public transport vs. owning a vehicle.
Entertainment & Lifestyle – Gym, Wi-Fi, social events, shopping.
The cost of living in Netherlands can vary greatly depending on your city, lifestyle, and budgeting habits. While Amsterdam remains one of the pricier options, student-friendly cities like Eindhoven, Groningen, and Nijmegen offer more affordable living without compromising on quality. From rent and groceries to transportation and healthcare, understanding your expenses beforehand helps you plan better and live smarter.
Planning to study in the Netherlands? upGrad can help you choose the right program, secure admission, and navigate student life abroad, without financial surprises. Learn more and begin your journey today with expert guidance from upGrad.
Download Country Guides (FREE PDFs)
Study in the USA
Check out top courses & program in USA. [Complete Guide]/
How much does a single person need per month to live comfortably in Netherlands?
A single person needs at least €1,800-€2,500 (₹1.6L-₹2.2L) per month, including rent, food, and transport. Living costs are higher in Amsterdam (€2,500+), while smaller cities like Eindhoven and Utrecht are slightly cheaper.
Is it possible to live in Netherlands on a student budget?
Yes, students can live on €900-€1,500 (₹80,000-₹1.3L) per month, depending on the city. Rent for student housing ranges from €400-€800, and part-time jobs help cover expenses.
What is the average utility bill in Netherlands for a one-bedroom apartment?
Utilities (electricity, water, heating, internet) cost €150-€250 per month (₹13,000-₹22,000) for a one-bedroom apartment, depending on usage and location.
How much does public transport cost in Netherlands, and is there a student discount?
A one-way ticket costs €2.50-€4 in major cities.
A monthly transport pass is around €75-€120 (₹6,600-₹10,600).
Students get free or discounted travel with the OV-chipkaart, but only if they qualify for Dutch student loans.
How much do expats pay for health insurance in Netherlands?
Health insurance is mandatory for all residents. Expats pay around €110-€140 per month (₹9,700-₹12,300) for basic coverage. Employers usually partially reimburse healthcare costs.
What is the difference in cost between living in Amsterdam and Rotterdam?
Amsterdam is 25-40% more expensive than Rotterdam. A one-bedroom apartment in Amsterdam costs €1,500-€2,200, while in Rotterdam, it ranges from €1,100-€1,600. Groceries and entertainment are also pricier in Amsterdam.
Is it cheaper to eat out or cook at home in Netherlands?
Cooking at home is significantly cheaper.
Groceries for a week: €50-€80 (₹4,400-₹7,000).
Meal at a mid-range restaurant: €20-€35 (₹1,800-₹3,100) per person.
Are there affordable suburbs near major Dutch cities where expats can live?
Yes, expats looking for lower rent can consider:
Zaandam (near Amsterdam) – 20% cheaper.
Delft (near The Hague) – Cheaper rent and student-friendly.
Breda (near Rotterdam) – Good expat community and affordable housing.
Is living in the Netherlands expensive?
Yes, living in the Netherlands can feel expensive compared to India, especially in cities like Amsterdam. However, with proper budgeting and city selection, costs become manageable. For reference, a monthly expense of €1,500–€2,500 equals ₹1,42,500–₹2,37,500, which supports a modest to comfortable lifestyle.
Is 5000 euros a good salary in the Netherlands?
Absolutely. A €5,000 monthly salary (~₹4,75,000) is considered high in the Netherlands. It allows for a premium lifestyle covering rent, savings, travel, and more. Post-tax income might be slightly lower, but it still supports families or individuals with ease.
What is the average cost of living in the Netherlands for couples?
Couples typically spend €2,500–€3,800 (₹2,37,500–₹3,61,000) per month. This covers rent, groceries, transport, insurance, and leisure. Sharing accommodation reduces overall cost, and couples living in secondary cities often spend even less.
How much does a family of 4 need to live comfortably in the Netherlands?
A family of four may require €4,000–€5,500 per month, i.e., ₹3,80,000–₹5,22,500. Costs include rent, food, transportation, school fees, and healthcare. Living outside major cities helps reduce housing and schooling expenses significantly.
What is the monthly cost of living in the Netherlands for Indian students?
Indian students spend around €800–€1,200 (₹76,000–₹1,14,000) monthly. Choosing shared rooms, public transport, and student discounts helps stretch the budget. Cities like Enschede or Tilburg are more affordable than Amsterdam or Rotterdam.
Is the Netherlands affordable for a single person?
Yes, a single person typically needs €1,200–€1,800 (₹1,14,000–₹1,71,000) per month. Those who choose student dorms or shared housing and cycle instead of driving can save significantly while enjoying a good quality of life.
How expensive is the Netherlands for Indians?
For Indians, the Netherlands may feel expensive due to the high euro-to-rupee conversion. However, the country offers better salaries, quality education, and infrastructure. With a budget of €1,500 (₹1,42,500), most Indian expats manage their lifestyle effectively.
What is the average living cost per month in the Netherlands?
On average, an individual spends €1,500–€2,500 (₹1,42,500–₹2,37,500) per month in the Netherlands. Rent and food are the biggest expenses. Costs are lower in cities like Groningen or Nijmegen compared to Amsterdam or Utrecht.
Ireland( study abroad expert) |54 articles published
Honey Gupta is a leading consultant with over 10 years of experience in helping students navigate the complexities of studying overseas, with a specialized focus on Ireland. Honey brings a wealth of a...
Keshav is a budding content strategist with a keen interest in technology and education. He excels in producing engaging content and developing effective strategies. His knack for crafting compelling ...
Refer Your Friend & Earn upto ₹15000
Help your friend upgrade to a Global Career and earn rewards together.
