Managing your expenses is an essential part of settling into life in Austria. Whether you're an expat getting used to a new cost of living, a local professional, or someone helping others manage their finances, understanding Austria’s typical expenses will help you budget with confidence. This guide provides an overview of common living costs in Austria so you can plan effectively and avoid surprises.

Average costs of living in Austria 

To give you a quick overview: the average cost of living in Austria excluding rent is around €1,000–€1,200 per month for a single person, and €3,000–€3,500 for a family of four.
These expenses include groceries, transportation, utilities, insurance, and everyday costs. As expected, Vienna is generally more expensive than smaller cities like Graz, Linz, or Klagenfurt, while rural areas tend to be more affordable.

Groceries

Austria’s supermarkets offer a wide range of products at stable prices. Expect to spend €250–€350 per month per person on groceries.

Here are typical prices for staple items:

• Loaf of bread (500g): €2.00–€2.80

• 1 litre of milk: €1.40

• A dozen eggs: €3.50–€4.00

• 1kg chicken breast: €8.50–€11.00

• 1kg cheese: €12.00–€14.50

• Fresh fruits (apples, bananas, etc.): €2.00–€3.50

• 1kg potatoes: €1.30–€1.80

• Bottle of wine: €4.50–€8.00

Local farmers’ markets (Bauernmärkte) are excellent for fresh produce, especially in regions like Styria, Tyrol, and Upper Austria.

Utilities

Utilities in Austria typically cost €150–€250 per month for a medium-sized apartment, depending on the season and energy usage.

Winter heating costs can increase total utility bills, especially in colder regions.

For a deeper breakdown, see our detailed guide to setting up utilities in Austria.

Insurance

Austria offers both public and private insurance options, and some types are mandatory.

Health Insurance

Public health insurance (ÖGK) is included automatically if you are employed.
For those who need private coverage, expect to pay:

• €60–€150 per month, depending on age and coverage.

Car Insurance

Mandatory liability insurance costs:

• €400–€700 per year for basic coverage.
  Comprehensive plans can range from €800–€1,500 annually, depending on the car and region.

Home Insurance

Not legally required but highly recommended.

• Typical cost: €200–€450 per year

• In large cities, premiums may be slightly higher, especially for older or historic buildings.

Transportation

Austria’s public transportation system is excellent, efficient, and highly affordable.

Typical costs:

• Single metro/bus/tram ticket: €2.40–€3.00

• Monthly public transport pass: €30–€55 depending on the city

• Vienna yearly pass: €365 (€1 per day)

Driving

• Petrol: €1.45–€1.70 per litre

• Tolls apply on highways

• Parking fees in Vienna and Salzburg should be factored into the monthly budget

Dining and Entertainment

Austria offers a rich café culture, traditional cuisine, and modern dining options at a range of prices.

Dining

• Mittagsmenü (set lunch): €10–€15

• Dinner for two (mid-range): €50–€80

• Coffee in a café: €3.50–€4.50

Entertainment

• Cinema ticket: €10–€14

• Gym membership: €25–€45 per month

• Beer at a pub: €3.50–€5.00

• Cocktail: €10–€14

Rent costs in Austria

Rent tends to be the biggest expense for residents, especially in Vienna, Salzburg, and Innsbruck.

Average monthly rental costs:

• 1-bedroom in city centre: €850–€1,500

• 1-bedroom outside centre: €650–€1,100

• 3-bedroom in city centre: €1,600–€2,700

• 3-bedroom outside centre: €1,100–€1,800

For detailed housing tips, see our guide to finding a home in Austria.

Essential tips for expense management in Austria

Shop smart

• Hofer and Lidl offer the best value for groceries.

• Farmers’ markets are great for seasonal food at good prices.

Use public transport

• It’s efficient, clean, and much cheaper than owning a car.

• In Vienna, the yearly pass is one of the best deals in Europe.

Compare insurance providers

• Prices vary significantly between companies, comparison sites help you find the best price.

Plan for winter

• Heating costs can spike from November to March.

• Choose energy-efficient apartments if possible.

Conclusion

Understanding Austria’s cost of living is simpler than it looks. With smart planning and good budgeting habits, you can significantly reduce your monthly expenses. Take advantage of public transport, compare insurance policies, and stay mindful of utilities. Soon you’ll be enjoying Austria’s rich culture, stunning landscapes, and high quality of life while keeping your budget on track.