Housing, energy, groceries, transport and health: the main expenses to plan for in Belgium, with tips to keep your budget under control.
How much does it cost to live in Belgium? The answer depends heavily on your city, your household and your lifestyle. Here are the main spending categories to plan for, and some ways to save.
| Category | What to plan for |
|---|---|
| Housing | Rent or mortgage, the largest item for most households |
| Energy | Electricity, gas or heating oil, water |
| Groceries | Supermarkets, local markets |
| Transport | Public transport pass, car costs or a bike |
| Health | Health insurance fund contribution, optional hospitalisation insurance, part of medical costs |
| Telecoms | Internet and mobile |
All amounts vary a lot between cities and neighbourhoods. Treat any figures you read as rough guides, and compare current listings and offers in your own area.
Rents are generally higher in Brussels and in some large cities than in smaller towns and rural areas. Remember to budget for the rental deposit (up to 2 months' rent on a blocked account) and for charges.
Energy bills depend on your home's insulation and heating system. Check the EPC / PEB certificate before renting: a better-rated home usually costs less to heat. Compare suppliers regularly.
Belgium has automatic wage indexation: salaries are adjusted to follow the cost of living. Rents can also be indexed once a year. This helps purchasing power keep pace with prices over time.
Belgium's public transport network is dense, and many people combine train, tram, bus and bike. Some employers contribute to commuting costs, so ask about it.
1000Click tip: a second-hand bike is one of the cheapest ways to get around town. Check the ads before buying new.
1000Click tip: before a big purchase, search the ads. Many items are sold almost new by people who are moving.
Want to stretch your budget? Browse second-hand bargains, sell your items or find a local professional on 1000Click.
