Setting up a Household in Germany | How To Germany (2024)

A primer on the basics of moving into your new place

So, all the official paperwork is done. You’ve got the residence/work permit, the household goods have been shipped, you’ve arrived in Germany and, after perhaps a strenuous search, you’ve found just the right house or apartment you’ll be living in for the foreseeable future. And, you’ve taken the all-important step of registering your new address with the local authorities at the Einwohnermeldeamt.

Depending on the type of place you picked, your rental agreement may well determine what sort of responsibilities you’ll be facing in regards to utilities and other necessary services set up; numbers and types of individual agreements you may have to arrange with different suppliers; and the types and amounts of payments or deposits you may be required to make to get things going.

Apartment Rental

If you’ve rented an apartment in a multi-unit building, it’s most likely that your monthly rent payment is either cold (Kaltmiete) or warm (Warmmiete) or some variation of the two. Cold rent means that you pay basic rent for the residence and there are no extra costs included in your monthly payment. Warm rent means that your monthly payment includes the basic rent for the residence and additional costs – calledUmlagenorNebenkosten.Nebenkostencan include heating, water, wastewater disposal, trash and recycling pick-up, furnace inspection and other expenses. It is important to make sure you know exactly what is included in theNebenkostenand how the costs are for the various items are calculated before signing a lease.

Many of the services and utilities included in theNebenkostencan generally be considered “communal” services. In other words, the suppliers provide the service to the building owner and the owner then has to calculate the amount charged to each unit. Some other services, such as electricity, internet and phone service may be charged to individual units through separately installed meters and connections.

Stand-alone House Rental

If you’re moving into a stand-alone house as a renter, the number of different utilities and services companies that you may have to deal with directly could be quite different than if you were renting an apartment. Again, much depends on the rental agreement you have with the landlord. Outside of the electricity and telephone, you may be looking at having to buy your own heating oil, getting cable TV if it’s available in your area and contacting the local utility companies for trash and recycling bins, water, wastewater, furnace inspection and other services. You may be put in a position to continue existing contracts with suppliers, or having new ones put in place.

For information on “house rules” for apartment living and other aspects of housing in Germany clickhereto read our article on Housing in Germany.

Services and utilities; contracts and payments

Here’s a list of the basic services and utilities that you’ll probably need along with basic information on continuing contracts, transferring contracts, finding new suppliers and how these things are billed and paid:

Heating (Heizung)

Apartments- This is quite often part of theNebenkosten. The landlord determines the amount to be paid by using different calculations depending on the heating source (oil, natural gas, liquid gas) the size of the apartment or some sort of individual metering of the apartment radiators or other means. A price adjustment may be made from year-to-year based on consumption, price increases and other factors. The landlord normally chooses the supplier. (It may be possible that some apartment buildings have units that are directly connected to a natural gas supplier. In this case the tenant may have the option to choose a supplier. This is an issue that could be taken up with the landlord when negotiating the rental contract.)

Houses – Most houses are heated by heating oil, liquid gas or natural gas. There are some houses that use electricity for heating. Heating oil and liquid gas are pumped into tanks on the premises. There are many different suppliers and prices may vary depending on the time of year an order is placed and the vagaries of supply and demand. If your house is heated with piped in natural gas then the price is determined by a metering system based on consumption. Depending on your contract terms with the landlord, the heating costs may be treated asNebenkosten. If your contract stipulates that you are responsible for your own heating costs, it may be possible to pay for gas or oil delivered after receiving an invoice. Or, you may be able to enter in a long-term contract with a specific supplier and pay a fixed monthly rate through a standing payment order from your bank (Dauerauftrag). The amount paid over a year would then be adjusted based on the amount delivered in the previous 12 months. You could receive a refund or have to pay extra. The monthly payments would then be adjusted for the next year. If you move in with a tank partially filled, then arrangements will have to be made with the previous tenant or the landlord to pay for what’s in the tank already.

Some older houses and apartments in Germany may not have central heating and still have individual stoves/heaters in separate rooms that are run by coal or other fuels. These are calledOfenheizung. In this case the renter would have to purchase the necessary fuel.

Also, in some houses that have natural gas piped in, it may be possible to have gas stove.

An inspection of the furnaces and flues in apartment buildings and houses in done annually by aSchornfeinsteger(chimney sweep). For apartment dwellers this is normally part of theNebenkosten. It may be the same for some who rent houses. But, if it’s not, then the renter has to pay for this service. Payment can be made by bank transfer after receiving the invoice from the chimney sweep.

Electricity (Strom)

Apartments – Most apartment buildings have a separate electricity meter (Zähler) for each unit. This means that a new tenant has to set up an account with the electric company and is billed directly. The meter should be read when a renter moves in. Payment is usually made every month (in some cases every two months) and the preferred method is through a standing order from the bank. The amount paid is a fixed amount for a designated period of time. It is then adjusted after 12 months based on consumption. Meters are normally read once a year. Whether or not a renter can choose a different supplier may depend on the rental contract and the landlord.

Houses – The situation is about the same with houses as in apartment buildings. An account has to be set up with the electricity company; billing is done directly to the renter; fixed payments are made monthly (or every two months); adjustments are made based on consumption. The big difference is that the renter may have more flexibility in choosing a supplier. The German electricity market was deregulated several years ago and there are a number of different companies available to choose from. When changing suppliers there will probably be some sort of “notice period” required. Details of the length of the “notice period” may vary from company to company.

Water (Wasser)

Apartments – Water is normally supplied by the municipal waterworks and is almost always part of theNebenkosten. The landlord determines the cost to the renters based on consumption. Meters are read yearly and costs adjusted for the following 12 months. Some units may have their own meters. If not, the water bill may be based on the size in square meters of the apartment. How water consumption is billed may be part of the rental contract negotiations.

Houses – Houses normally have their own metering system for water. In some cases the cost of water may be part of theNebenkostenpaid to the landlord. In other cases, the renter may have to set up an account with the municipal waterworks. This would require a meter reading upon moving in and getting in contact with the local authorities to set up an account. Billing is normally done every two months and paid through a standing order from the bank. The payment is the same each two months for a year and then an adjustment is made after determining consumption through a meter reading each year.

Waste water (Wasserentsorgung)

Apartments – Waste water removal is normally part of theNebenkostenand is handled by the municipality. The rate calculation involves a number of different variables and the landlord normally sets the rate for each apartment. It can be adjusted from year to year.

Houses – The waste water removal costs can be part of theNebenkostenin your rental agreement. If is left up to the renter to cover these costs, then they have to contact the proper municipal office to set up an account. There is a complex formula that determines the cost for this service for a house. Bills are normally paid every quarter year by standing payment order. Adjustments are made yearly.

Trash removal and recycling pick-up (Abfallentsorgung)

Apartments – The removal of trash and the pick-up of recycled plastic and paper are normally part of theNebenkosten. The service is normally performed by municipality. The landlord is responsible for maintaining the bins that are used for trash and paper.

Houses – It’s quite possible that the trash and recycling pick-ups may be part of theNebenkosten. If not, then the renter will have to contact the local authorities responsible for this. Trash containers come in different sizes. The cost for pick up depends on the size of the container. Payment is made twice a year for this service and is best done by a standing payment order.

For more information on recycling in Germany clickhere.

Cable/Satellite Television (Kabel/Satellite Fernseh)

Apartments – In areas where cable television service is available it’s quite possible that an apartment building has a main cable connection box that allows the landlord to let renters have access to cable TV in individual rental units. Cable TV fees can be part of theNebenkostenor paid directly by the renter to the cable provider. It normally depends on the system that is set up and the agreement with the landlord. It the former tenant had the service and paid the provider directly, it would be necessary to have the account transferred to the new tenant to continue service. Fees are normally paid monthly by standing payment order.

Where cable service is not available, an apartment building could have a satellite dish installed and make the signal available through internal wiring. Access to the signal may be part of theNebenkosten. Once access is available a TV viewer may use a receiver to receive the channels that the dish picks up. It’s a good idea to find out what satellite signals the dish can pick up. There are receivers that can get the Free to Air (FTA) signals. A viewer has the option to get a paid service through various suppliers. This would entail getting a special receiver from the supplier and setting up an account with them.

If an apartment building does not have a satellite dish that feeds a signal to the units, it might be possible to install your own satellite dish. However, you would need to have permission from the landlord and have a proper place for installation that would allow your dish to receive a signal.

Houses – If cable television is available in your area and your rented house is connected, you can receive the available programming provided you have the right equipment. Cable costs may be part of theNebenkostenor you may have to set up your own account with the provider. This depends on the terms of your rental contract.

If a house is outfitted with a satellite dish and you have the proper equipment, you can get reception. Whether or not the landlord charges for the use of the satellite dish is part of the rental agreement negotiations. As in apartments, it should be possible to sign up for a paid satellite service directly with a provider.

If there isn’t a dish installed on the house and you want to put up your own, then you’ll have to get permission form the landlord.

For more information on TV and Radio in Germany clickhere.

Telephone/Internet Connections (Telefon/Internet Anschluss)

Apartments – Telephone/Internet connections are almost always the responsibility of the tenant. There is a multitude of different telecom/internet providers offering a wide variety of different plans. It is best to check before committing to a place to see exactly what types of connections are available – especially for the Internet. Some areas are rapidly installing high-speed DSL lines and many cities are installing fiber optic lines. Some companies offer special combination packages at good rates. It may be possible to get Internet from your cable TV provider. You may also have the option of taking over an existing connection in the rental unit. Pay attention to the details of contracts when transferring an existing connection, giving notice to a current provider and signing up with a new provider. It can get complicated.

Payments to providers are normally made through a Direct Debit (Lastschrift) from your bank. A Direct Debit differs from Standing order because the amounts taken out may vary from month to month.

Houses – The tenant in a house, like those in apartments, will most likely be responsible for setting up their telephone/internet connections and paying for them. The procedures are the same; the number of companies offering services is substantial and the speed of Internet can vary from location to location. It may be possible to get Internet from your cable TV provider. In rural areas that may not have any high-speed lines installed, it might be possible to get Internet via satellite. You may also have the option of taking over an existing connection in the rental house. Pay attention to the details of contracts when transferring an existing connection, giving notice to a current provider and signing up with a new provider. It can get complicated.

For more information on telephone and internet in Germany clickhere.

It is a good idea for all tenants to look into insurances of different kinds. There are different types of policies that cover liability, household goods and contents and there is even legal insurance to help protect you in the event of disputes with a landlord. You can find out more about these at thislink.

Household set-up involves a lot of moving parts and can get complicated at times. If you feel overwhelmed, there are specialist companies that can, for a fee, assist you in getting all of this taken care of.

Setting up a Household in Germany | How To Germany (2024)

FAQs

Can an American buy a house in Germany? ›

Unlike in other countries, such as Denmark and Switzerland, there are no restrictions to foreigners to purchase real estate in Germany. Currently, many foreign purchasers acquire properties in large German cities such as Berlin, Frankfurt and Munich.

Is it hard to own a home in Germany? ›

The housing market in Germany is very competitive; however, it is not impossible to find and buy a house in Germany as a foreigner. When you set your mind to it, you will be able to find and buy the house you want, even in Germany. Most likely you won't be a new house owner within a month though.

What does it mean cold rent in Germany? ›

Cold rent means that you pay basic rent for the residence and there are no extra costs included in your monthly payment. Warm rent means that your monthly payment includes the basic rent for the residence and additional costs – called Umlagen or Nebenkosten.

Is it a good idea to move to Germany? ›

All in all, Germany is a country where you can find both the fast city life or the quiet sub-urban experience, all from a position of safety, security and stability. In short, the country's safety, highly developed infrastructure and robust economy allow Germany to offer you a very stable reason to move to the country.

Can a US citizen live permanently in Germany? ›

A residence visa is required if you intend to stay in Germany for more than 90 days for work or study or if you intend to move to Germany permanently.

Can US citizens retire in Germany? ›

Germany has become a popular destination for American retirees due to its reasonable costs, excellent healthcare system and well-kept infrastructure. The weather may not be on the level of Thailand or Portugal, but if you don't mind some chilly winters, Germany could be the retirement destination you're looking for.

Can I get residency in Germany if I buy a house? ›

Germany does not grant visas or residence permits based on real estate investment alone. So this option is NOT available to foreign investors. Residence permit holders may freely purchase real estate in Germany as a business investor.

What is the average house cost in Germany? ›

The average sales price of single-family and duplex homes in the biggest cities in Germany varied between approximately 5,000 euros and 11,000 euros per square meter in the third quarter of 2022.

How much is a downpayment on a house in Germany? ›

However, it's important when purchasing property in Germany to show that you have managed to save at least some of the required funds as a down payment for the mortgage. Although every situation is different, lenders generally like to see at least 5% of the loan value put forward.

Are bills included in rent in Germany? ›

Utilities are calculated apart from the rent in Germany

Usually, the first price you see for an apartment is the cold rent. However, this is not the final price you will end up paying, as you still need to add utilities (Nebenkosten) for water, heating, garbage pick-up, sometimes TV cable, etc., to the rental price.

How are homes heated in Germany? ›

Most homes in Germany are equipped with central heating, which means that water is heated centrally, normally in the basem*nt, and distributed to radiators in each apartment and room through a network of pipes. You can control the heating in your apartment by adjusting the thermostat on each radiator.

What is the minimum apartment size for a family in Germany? ›

In general, according to the German Act on Foreign Nationals it has to be guaranteed that the family has sufficient financial means to support itself, that adequate accommodation is available (at least 13 square meters per person), and that all family members are sufficiently covered by a health insurance.

What is the downside of living in Germany? ›

Con #1 – ☔️ Weather

Weather in Germany can be tough to get used to. Winters are long, and sunny days feel like very little compared to the grey and gloomy days. During the winter months, the sun goes down at like 4 pm. Depending on where you live, you can experience consecutive days of snow or rain.

How hard is it for an American to move to Germany? ›

Do I Need a Visa to Move to Germany From The US? As a US citizen, you do not need a long-stay visa to enter Germany. But, if you plan to stay longer than three months, you must apply for a residence permit in the first few days of your arrival.

Where is better to live USA or Germany? ›

USA is better in terms of annual salaries and job opportunities. Also, Germany has higher taxes than the US so it is better to work in US after completing your studies. Ques. What are the top courses to study in USA vs Germany?

Do I have to pay US taxes if I live in Germany? ›

When living abroad in Germany, many American expats wonder whether they should file taxes with the US government, Germany, or both. In most cases, the answer is both, as virtually all US citizens are required to file a US Federal Tax Return, and most expats in Germany will also need to file a German tax return.

Where do most Americans live in Germany? ›

Berlin is, of course, the number one place to find expats in Germany. For many, many years, Berlin has been home to international artists. But in recent years, the development of the tech industry has seen a growing number of expats move there.

Does Germany allow dual US citizenship? ›

A child born to an American parent and a German parent acquires both American and German citizenship at birth, regardless of place of birth, if the parents satisfy the jus soli or jus sanguinis requirements of their respective countries.

Can I collect Social Security and live in Germany? ›

If you have Social Security credits in both the United States and Germany, you may be eligible for benefits from one or both countries. If you meet all the basic requirements under one country's system, you will get a regular benefit from that country.

How much money do you need to live comfortably in Germany? ›

As a basic estimate, you can expect your total costs to be between €1200 – €3000 per month as an individual living in Germany. At the cheaper end of this range, you would likely be living in a flatshare outside of the city centre.

How much income do you need to retire in Germany? ›

Example: Your optimal monthly pension income is 3.790 € based on your expected monthly income before retirement at age 67. To maintain your pre-retirement lifestyle, you need to cover a pension gap of 1.074 €.

What is the new citizenship law in Germany 2023? ›

Plans to simplify the citizenship law

Immigrants legally living in Germany will be allowed to apply for citizenship after five rather than eight years. This shall go down to only three years if the applicant can show special integration achievements.

What is the golden visa in Germany? ›

The Golden visa in Germany allows foreign investors, entrepreneurs, and family members to live and work in the country freely. They also become eligible to run a business on the ground, given they have made the necessary investment.

How hard is it to get residency in Germany? ›

To be eligible for this permit, you must have lived in Germany for at least five years (or three years if you are married to a German citizen). You must also be able to provide proof of your employment, financial resources, and German language skills.

How much is tax on house in Germany? ›

All types of real estate, including undeveloped land, are subject to these taxes. The good news is that property tax rates in Germany are generally low, typically ranging from 0.26% to 1%. The assessed value, also known as the “Einheitswert” in German, is usually lower than the market value of the property.

Where is the best place to buy a house in Germany? ›

It goes without saying that Berlin represents currently THE PLACE to buy a property in Germany, either for investment or for self-use. The city enjoys not only an outstanding economic dynamism backed by its digital sector, but the capital of Germany is by far the most popular and international city of Germany.

What is the minimum house rent in Germany? ›

The minimum house rent in Germany varies depending on location and size. However, in Berlin, you can get a very basic three-room (not three-bedroom) house for as little as 900 EUR (970 USD), while you can get a more attractive four-room house in cheaper Leipzig for 850 EUR (920 USD).

Can you get 100% mortgage in Germany? ›

Mortgage lenders in Germany allow you to borrow up to 100% of the property value (although you will have to cover some other costs of buying a house, such as purchase fees, with your own equity).

What is the average size of a house in Germany? ›

Germany. Germany is number six. The European nation's houses have an average size of 1,470 square feet. Germans like building multi-family houses both in the rural and urban areas.

How long is a mortgage in Germany? ›

The maturity or "Laufzeit" is the length of time between the payout of the mortgage and the end of the mortgage. This is usually 30 years in Germany.

Do you have to pay for water in Germany? ›

As with all utilities in Germany, water is more expensive than the US, and you can expect to pay four times more than you would in the US. Potable water is usually metered and you can expect to pay around 1.60 Euro per cubic meter (1000 Liters).

How do you pay for heating in Germany? ›

In Germany, you pay two energy bills.

Heating and hot water costs are included in your “warm” rent (Warmmiete). You pay this to your landlord every month. The cost of your warm rent is adjusted once a year. If you use more energy, you will get an invoice.

How much is electricity per month in Germany? ›

The average household with an annual electricity consumption of 3,500 kWh was charged 116.86 euros per month in the second half of 2022, the BDEW said.

Do most homes in Germany have air conditioning? ›

Most German homes do not have air conditioning and while there are many factors to consider, primarily: air conditioning is highly inefficient; it's expensive to install and operate; it's not cost effective, and it's only really beneficial for a few weeks out of each summer.

What is the average summer heat in Germany? ›

Temperatures could reach the high twenties and the average of 24°C shows how brilliant the weather in Germany in July is. With the sun not setting until nearly 9.30pm for much of the month, you can make the most of long, warm days in cities like Munich, Berlin and Cologne.

How do you stay warm in Germany in the winter? ›

Dress in layers

It is always better to be too dressed up than underdressed when heading outside in the winter. Thick socks, jeans, and a jumper are highly recommended. Instead of opting for full-length jeans, go for jeggings instead. They have the same effect but will keep you warmer in colder temperatures.

What is the average age of a homeowner in Germany? ›

The average age of home purchase in Europe

These include Iceland and Belgium. In France – 31 years, in Italy – 33 years, and the UK and Germany, although these are the largest investor markets, they become homeowners only at 34.

How much money do you need to live comfortably in Germany with family? ›

In general, the average monthly expenses in Germany can add up to €1,698 for a single person or €3,561 for a family of 4. However, these averages can vary depending on where you live, as rental prices are higher in cities popular among expats. For instance, the average rent in Germany is €800 per month.

Do most Germans live in houses or apartments? ›

The distribution of the population in Germany in the period between 2015 and 2021 varied greatly among dwelling types. In 2021, approximately 56 percent of the German population lived in apartments (flats) while only 13.7 percent lived in semi-detached housing.

Which is the most English speaking city in Germany? ›

These are the German cities with best English skills. If you're an international looking to move to Germany, you'll want to find a city where English is spoken a lot. Which cities are these in Germany? A study shows: The German cities with best English are Karlsruhe, Munich, Dresden, Bremen and Düsseldorf.

Why do expats leave Germany? ›

Better climate & climate change

According to a survey, the weather is a major reason why German expatriates left their country. For many people, rain, snow, clouds, and low temperatures drive people out, so they decide to escape German winter and have a pleasant climate and sunshine all year round.

Will I lose my American citizenship if I move to Germany? ›

A U.S. citizen may naturalize in a foreign state without any risk to his or her U.S. citizenship. However, persons who acquire a foreign nationality after age 18 by applying for it may relinquish their U.S. nationality if they wish to do so.

How long can a US citizen stay in Germany? ›

A Schengen visa is required if you intend to stay in the Schengen area for up to 90 days within a 180 day period for business, visitor or tourist purposes.

How much would it cost for an American to move to Germany? ›

Moving to Germany from the US costs between $1,500 and $12,000. The cost of moving to Germany or other European destinations depends on how much you take and where you're going.

How are taxes in Germany compared to the US? ›

55.9% against 37-50,3%, depending on the state. As for the Germany's tax rate vs. the US, the result is 45% (plus a 5.5% solidarity surcharge on top of income tax). On the other hand, when US taxes are compared to other countries, mostly Eastern European ones, the former are clearly higher.

Are salaries in US higher than Germany? ›

In general, wages in the United States tend to be higher than those in Europe, particularly for skilled and high-paying jobs. Part of the reason for this is that the cost of living in the U.S. is usually higher than in Europe. This means that workers need to make more money to keep their standard of living the same.

Is food cheaper in Germany than USA? ›

Going out for an inexpensive meal in an average German town is affordable by most European standards; it will set you back USD$11-$13, whereas the average in the US is $14.50-$17.50. Eating out in Munich is more expensive, with the prices being much more comparable to the U.S. than those in Hamburg or Frankfurt.

Can I buy a house in Germany as a non resident? ›

Unlike other countries in the European Union, there are no restrictions for foreigners to buy real estate there. This is a safe investment, and you can benefit from rising house prices. This guide explains what you need to know about buying property in Germany as a foreigner.

How can an American get residence in Germany? ›

As a US citizen, you do not need a long-stay visa to enter Germany. But, if you plan to stay longer than three months, you must apply for a residence permit in the first few days of your arrival. Remember that you can stay in Germany visa-free for up to three months, and only for tourist reasons.

Is it hard to live in Germany as an American? ›

Thankfully, emigrating to this wonderful land is easy enough, even for those who live outside the European Union. The first step is to apply for a Standard Residence Permit, which is easy enough to get if you have a job waiting for you in Germany.

What is the average price of a house in Germany? ›

The average sales price of single-family and duplex homes in the biggest cities in Germany varied between approximately 5,000 euros and 11,000 euros per square meter in the third quarter of 2022.

How much is property tax in Germany? ›

Real Property Tax Rate

The German Assessment Code refers to historical property values that are usually significantly lower than current market value. The tax rate varies between 0.26 percent and 1 percent depending on the Federal State (the real property is located at) and the use of the property.

Does Germany allow dual residency? ›

Under the current law, only those with an EU passport or those who have one parent from Germany are eligible to hold dual German citizenship.

How much does it cost for a US citizen to live in Germany? ›

Cost of living in Germany vs the USA
ExpenseAverage cost in Germany ($ USD)
Rent (1-bed apartment)$950
Monthly utilities (gas, water, internet, electricity, phone)$270
Public transport monthly pass$74
Groceries (for a single person)$211
4 more rows
May 16, 2023

How can I move to Germany permanently from the US? ›

In simple steps, the process of immigrating to Germany as a non-EU citizen is as follows:
  1. Find and apply for a job. ...
  2. Apply for a work visa and work permit. ...
  3. Register for German health insurance. ...
  4. Obtain a German residence permit. ...
  5. Start working.

What country is easiest for an American to move to? ›

According to the 2022 Global Peace Index, Portugal stands sixth globally. Portugal has a warm climate and a much lower cost of living than the US, which makes it one of the easiest countries to immigrate to from the US. Portugal is well known for its beautiful beaches, rich culture and history, and vibrant cities.

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