Here’s What It Really Costs to Live the Expat Dream in These 8 European Countries

Thinking about trading your current routine for café mornings, scenic strolls, and a dash of European flair? Living abroad can be a thrilling journey—but it’s never just about the postcard-perfect scenes.

Before you pack your bags, you’ll want an honest breakdown of rent, groceries, healthcare, and other real-world expenses. Below, we explore 8 European countries that continue to draw expats, providing updated 2025 costs to help you plan realistically.

For years, Spain has topped the list of dream destinations for expats looking for sunshine, culture, and affordable living. But as the cost of living rises and some of the most popular Spanish cities become crowded with tourists and fellow expats, many are starting to look elsewhere in Europe for a better balance of affordability, lifestyle, and opportunity. The reality is, Spain may no longer be the unbeatable bargain it once was.

Across the continent, lesser-known countries are offering a more attractive cost of living, thriving local cultures, and expat communities that feel authentic rather than overrun. Whether it’s Eastern Europe’s charming capitals, the laid-back Mediterranean coastlines, or vibrant smaller cities with affordable rents, these destinations are emerging as smart choices for those chasing the expat dream without breaking the bank.

In this post, we’ll take a closer look at the real cost of living in eight European countries that often fly under the radar. From housing and healthcare to dining out and daily expenses, we’ll reveal what life really costs in these places — and why they may just be the better option for your next chapter abroad.

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Quick & Easy Tips for Managing Living Costs as an Expat

Research Local Housing Markets Before You Move — Look beyond expat forums and check local listings to get a realistic idea of rent prices.

Learn the Basics of the Local Language — It can save you money on everything from shopping to negotiating leases.

Understand Healthcare Systems — Some countries have affordable, high-quality public healthcare, while others may require private insurance.

Be Flexible About Location — Living just outside major cities often means significantly lower costs with little compromise on lifestyle.

Factor in Currency Fluctuations — Exchange rates can impact your cost of living, especially if your income comes from abroad.

One widespread misconception is that living in a cheaper country automatically means a lower quality of life. In reality, many of Europe’s more affordable countries offer excellent healthcare, vibrant culture, and strong communities. The key difference is often in the cost of luxury goods or big-city living — not in basic quality of life.

Another debated belief is that Spain and Portugal are still the cheapest options for expats in Europe. While they do offer an attractive lifestyle, both countries have seen significant price increases in housing and cost of living, particularly in popular regions like the Algarve, Lisbon, Barcelona, and Madrid. Meanwhile, countries like Bulgaria, Romania, or Slovakia offer comparable or better affordability without the tourist markup.

Perhaps most surprising is the assumption that cheaper countries mean fewer opportunities for integration or community. In fact, many of these lesser-known destinations have growing expat communities, lively cultural scenes, and locals who welcome newcomers. The expat dream isn’t just alive in these places — it’s often more accessible, authentic, and affordable.

1. Portugal

Intro & Lifestyle
Portugal has long been the darling of digital nomads, retirees, and creatives seeking a relaxed Mediterranean climate—though technically, it’s the Atlantic that laps at Portugal’s shores. Lisbon buzzes with tech startups and artistic enclaves, while Porto’s riverfront offers charming cobblestone lanes and world-class wine cellars. The Algarve remains a retiree’s paradise for sun and golf, and smaller coastal towns let you tap into a slower pace of life.

Costs & Practicalities
Rent for a one-bedroom in central Lisbon often ranges €950–1,400, reflecting Portugal’s property boom—though suburbs and smaller cities can be more budget-friendly. A monthly grocery spend typically sits around €180–250 per person if you shop local markets and cook at home. Utilities and internet might run €90–140, especially if you’re using air conditioning in Lisbon’s hot summers. A monthly transport pass (Lisbon/Porto) costs around €40–50. Eating out is comparatively reasonable: you can find a “prato do dia” (dish of the day) for €8–10, with full dinner menus in the €15–25 range at mid-range restaurants.

Visas & Cultural Quirks
Portugal’s “D7 visa” is popular with remote workers and retirees, but you’ll need proof of regular income. Healthcare is decent; EU citizens can utilize the public system, while non-EU folks often opt for private insurance (starting ~€40/month). Prepare for laid-back café culture, late dinners, and a sprinkling of English speakers—especially in tourist areas. Don’t be surprised if friends linger over coffee for hours; that’s simply the Portuguese way.

2. Spain

Intro & Lifestyle
Spain conjures visions of sunny plazas, flamenco rhythms, and tapas galore. It’s a tapestry of distinct cultures—from Catalan pride in Barcelona to Andalusian flair in Seville and the bustling capital vibe of Madrid. Many expats are lured by the warm climate, vibrant nightlife, and storied traditions like the famous “fiestas” throughout the year.

Costs & Practicalities
A one-bedroom apartment in central Madrid can cost €1,000–1,500, while cities like Valencia or Granada may be cheaper. Groceries usually land around €180–250 a month, with utilities averaging €100–160 (summer AC spikes included). Public transport in Madrid is roughly €55 for a monthly pass, and restaurants typically offer a budget-friendly “menú del día” for €12–15. Dinners out can range from €20–30 at a decent spot.

Visas & Cultural Quirks
For non-EU citizens, the “Non-Lucrative Visa” is a favorite among retirees and remote workers; Spain’s newly introduced digital nomad options also simplify extended stays. Healthcare ranks high, but you may need private coverage until you’re fully registered. A word on schedules: Spaniards often eat lunch around 2–3 PM and dinner as late as 9–10 PM. Yes, siestas exist, but mostly in smaller towns—cities keep a more modern pace these days.

3. Germany

Intro & Lifestyle
Germany is synonymous with efficiency, cutting-edge industries, and a robust job market. From the eclectic art scene in Berlin to financial powerhouses in Frankfurt or engineering hubs in Stuttgart, there’s a region for every professional niche. Beer gardens, Christmas markets, and a rich classical music heritage round out an appealing expat life.

Costs & Practicalities
Expect €1,200–1,700 for a one-bedroom in central Berlin—Munich can be even steeper, while smaller cities like Leipzig often cost less. Monthly groceries come in around €200–300 per person. Utilities, including heating in colder months, can total €150–220, and a city transport pass might be €60–90. Dining out can vary, but a mid-range restaurant meal might run €15–25, with beer around €3–5.

Visas & Cultural Quirks
Germany’s job seeker visa and EU Blue Card pave the way for skilled professionals. Public healthcare is mandatory; employees can pay around 14–15% of wages into it, or opt for private if they earn above certain thresholds. Sundays are a designated rest day—shops and supermarkets close, so plan your groceries in advance. Once you grasp the direct communication style, you’ll find Germans surprisingly warm beneath that reserved exterior.

4. The Netherlands

Intro & Lifestyle
Famous for its bike-friendly infrastructure, laid-back canals, and progressive culture, the Netherlands draws in expats for jobs in creative industries and tech. Amsterdam might get tourist-packed, but cities like Utrecht or Rotterdam offer modern living with fewer crowds. Almost everyone speaks solid English, which eases daily life.

Costs & Practicalities
Rent for a one-bedroom in central Amsterdam ranges €1,400–2,000—pricier than you might expect—while smaller towns cost less. Groceries usually fall around €200–280 monthly per person. Utilities and internet hover around €120–180, and a public transport pass can be €90 (though many rely on a bike). Dining out is also on the high side: a basic meal out ~€15–25, coffee ~€3–4.

Visas & Cultural Quirks
Non-EU expats need a sponsored work permit or a “Dutch orientation year” visa if they graduated from a Dutch university. Basic healthcare insurance is mandatory at €110–130/month. Embrace the cycling lifestyle (and sturdy locks) to fit right in. Dutch directness can be refreshing, but some foreigners interpret it as blunt—go in with an open mind.

5. Czech Republic

Intro & Lifestyle
The Czech Republic offers storybook charm—Prague’s iconic skyline, fairytale castles, and a lively expat community. Beyond the capital, smaller cities like Brno blend modern tech scenes with historical backdrops. Beer culture is huge, yet cultural festivals and a growing arts scene keep life vibrant year-round.

Costs & Practicalities
In central Prague, a 1-bedroom might cost €800–1,200; in Brno or elsewhere, €500–700 is common. Expect €150–220 on groceries, plus €100–150 for utilities. Public transport is a bargain at €25 for a monthly pass in Prague. A simple lunch might run €5–8, and a mid-range dinner about €10–15.

Visas & Cultural Quirks
EU nationals can move freely, while non-EU freelancers often opt for a Zivnostensky list (trade license), though it requires bureaucratic patience. Healthcare is generally good; you’ll need private coverage if you’re not in the public system. Beer might be cheaper than water in restaurants (seriously), so watch out if you want to maintain a balanced lifestyle.

6. Poland

Intro & Lifestyle
Poland’s modern cities—Warsaw, Kraków, Wrocław—are rising tech and cultural hotspots. A deep historical legacy meets a younger generation driving trendy cafés, coworking spaces, and nightlife. Affordable living costs plus an expanding economy make it an underrated expat option.

Costs & Practicalities
A 1-bedroom in Warsaw center: €700–1,000; smaller cities clock in lower. Groceries hover around €150–200 monthly, utilities about €100–150. Public transport in big cities typically costs €25–30 for a monthly pass. Local lunch specials go for €5–8, with nicer dinners around €10–20.

Visas & Cultural Quirks
EU citizens waltz in freely; non-EU folks usually need a work permit or a business visa if they’re self-employed. Healthcare is a mix of public (ZUS) for those employed plus private insurance for extras. Poles take pride in homemade cooking, so prepare for hearty meals if you’re invited to a “domówka” (house party).

7. Italy

Intro & Lifestyle
From the fashion streets of Milan to Rome’s ancient wonders or Tuscany’s rolling hills, Italy remains a dream for many. Cuisine is a major attraction—beyond just pizza and pasta, you’ll find gastronomic wonders in every region. The pace can be slow, especially in rural areas, balanced by intense hustle in big cities.

Costs & Practicalities
Rent in a Rome city-center 1-bedroom typically €900–1,400, Milan might edge higher. Groceries: €200–250 monthly per person. Utilities average €120–180, but older apartments can have hefty winter heating bills. Public transport monthly passes around €35–50, and dinners range €15–25 for a mid-range eatery.

Visas & Cultural Quirks
It can be tough for non-EU expats to get a work visa without a firm job offer. Italy’s “elective residence visa” is popular for retirees and those with steady remote income. Public healthcare is robust; once you establish residency, you can generally enroll. Cultural note: cappuccino is a morning affair—don’t be shocked if locals side-eye a 2 PM cappuccino order.

8. Sweden

Intro & Lifestyle
Scandinavian minimalism, top-tier social services, and a healthy work-life balance define Sweden. Stockholm’s archipelago, hipster-friendly Södermalm district, or cozy university towns (Uppsala, Lund) are magnets for expats who crave order, nature, and progressive values.

Costs & Practicalities
A 1-bedroom in central Stockholm: €1,200–1,800; smaller cities can be €900–1,300. Groceries typically land at €250–300 monthly per person, with utilities €140–200 (long winters mean more heating). Public transport hovers around €80–90 for a monthly pass in major urban areas. A “dagens lunch” is €10–14, while a casual dinner out can reach €20–35.

Visas & Cultural Quirks
Non-EU folks often need a job offer to secure a work permit; Sweden is picky but welcomes skilled workers. Healthcare is publicly funded once you have a personal ID number (personnummer). “Fika”—a social coffee break with pastries—is a daily ritual, highlighting the Swedish reverence for balance.

Final Thoughts: Balancing Dreams & Reality

Europe’s charm extends far beyond scenic squares and artisanal cheeses. If you’re chasing the “expat dream,” remember that each of these 8 countries has its own visa rules, job markets, and day-to-day quirks. Our 2025 cost estimates are ballparks; real prices vary by city, neighborhood, and personal lifestyle.

• Visa Requirements: Check official websites or consult an immigration lawyer, especially if you’re non-EU.
• Language: English can get you far in northern/central Europe, but learning the local language makes life smoother (and more fun).
• Lifestyle Adjustments: Whether it’s late dinners in Spain, quiet Sundays in Germany, or biking mania in the Netherlands, be ready for shifts in daily rhythm.

Pro Tip
Craft a realistic budget before taking the leap. Factor in rent, groceries, transport, healthcare, plus a buffer for unexpected expenses (like deposit fees or visa application costs). The expat dream can be thrilling—just ensure you’re well-informed to handle the less glamorous details. Buona fortuna, viel Erfolg, and best of luck on your European adventure!

Pack your sense of curiosity (and an updated budget spreadsheet), and embark on that journey. Europe’s cultural tapestry is waiting—just mind the numbers alongside the daydreams!