Living in Luxembourg: Cost of Living, Healthcare and What to Know About Living in Luxembourg

Summary: People describe life in Luxembourg as peaceful, safe, and prosperous. Expats love the high quality of life, the excellent public transportation, the low crime rate, and the diverse cultural activities. The average cost of living for an expat is around $3,000 per month. The approximate population of Luxembourg is 626,108 and the largest cities are Luxembourg City, Esch-sur-Alzette, Differdange, Dudelange, and Ettelbruck. The cons of living in Luxembourg include the high cost of living, the lack of affordable housing, and the limited job opportunities for expats.

What are the pros and cons of living in Luxembourg?

Expats, digital nomads and retirees living in Luxembourg responded:

"Expats and digital nomads in Luxembourg appreciate the country's high quality of life, with its excellent infrastructure, low crime rate, and excellent public transportation system. They also enjoy the country's diverse cultural offerings, with its many museums, galleries, and festivals. Additionally, the country's strong economy and low taxes make it an attractive place to live and work. On the downside, expats and digital nomads may find the cost of living in Luxembourg to be quite high, and the language barrier can be a challenge," remarked one expat in Luxembourg.

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What type of social life can someone expect in Luxembourg?

When we asked expats and global nomads about their social experiences in Luxembourg, they replied:

"Expats, retirees and digital nomads living in Luxembourg typically have an active social life. They often join local clubs and organizations to meet people with similar interests, attend cultural events, and explore the city. They also take advantage of the many networking opportunities available in Luxembourg, such as business and social gatherings, to meet new people and build relationships. Additionally, expats, retirees and digital nomads often join online communities to connect with other expats and digital nomads living in Luxembourg," said one expat in Luxembourg.

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"Luxembourg is a small country with a vibrant social scene. There are plenty of opportunities to meet people and make friends, whether it be through joining a club, attending a local event, or simply exploring the city. The nightlife in Luxembourg is lively and diverse, with plenty of bars, clubs, and restaurants to choose from. The city also hosts a variety of cultural events throughout the year, such as music festivals, art exhibitions, and theatre performances. Luxembourg is also home to a number of international organizations, which often host social events and gatherings. All in all, Luxembourg is a great place to meet people and make friends," explained one expat in Luxembourg.

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What are medical services in Luxembourg like?

When we asked expats and global nomads about the quality of medical care in Luxembourg, they replied:

"Luxembourg offers a comprehensive range of medical services, including both public and private healthcare. The public healthcare system is funded by the government and provides free or low-cost medical care to all citizens. Private healthcare is also available and is generally of a high standard. Luxembourg has a wide range of medical specialists, including general practitioners, specialists in internal medicine, paediatrics, obstetrics and gynaecology, and many more. The country also has a number of well-equipped hospitals and clinics, offering a range of treatments and services. Luxembourg also has a number of pharmacies, providing access to a wide range of medications," wrote one expat in Luxembourg.

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Are healthcare and health insurance expensive in Luxembourg?

"Healthcare and health insurance in Luxembourg are generally considered to be expensive. The cost of healthcare is high due to the country's high standards of care, and the cost of health insurance is also high due to the country's high cost of living. However, the government does provide subsidies to help make healthcare and health insurance more affordable for those who need it. Additionally, there are a number of private health insurance companies that offer competitive rates," explained one expat living in Luxembourg.

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Is the cost of living in Luxembourg high?

We asked people about the cost of living in Luxembourg, they wrote:

"The cost of living in Luxembourg is generally high, with prices for goods and services being higher than in many other European countries. The capital city of Luxembourg City is the most expensive place to live in the country, with prices for goods and services being higher than in the rest of the country. The rental price for a nice 1 bedroom apartment in Luxembourg City is around $1,500 USD per month, while a nice 2 bedroom apartment is around $2,000 USD per month. Eating dinner at a moderately priced restaurant in Luxembourg City can cost around $30 USD per person," remarked one expat in Luxembourg.

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What are the visa & residency requirements in Luxembourg?

"In order to visit Luxembourg, foreign nationals must obtain a Schengen visa from the Luxembourgish Embassy or Consulate in their home country. The process of applying for a visa involves submitting a completed application form, a valid passport, two passport-sized photographs, proof of accommodation, proof of financial means, and a travel itinerary. In order to obtain residency in Luxembourg, foreign nationals must apply for a residence permit. The process of applying for residency involves submitting a completed application form, a valid passport, two passport-sized photographs, proof of accommodation, proof of financial means, proof of health insurance, and a criminal record check. Depending on the purpose of the stay, additional documents may be required," explained one expat living in Luxembourg.

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Why do people move to Luxembourg?

When we asked people why foreigners move to Luxembourg, they responded:

"Luxembourg is an attractive destination for expats due to its high standard of living, excellent infrastructure, and strong economy. The country is also known for its low taxes, making it an attractive option for those looking to save money. Additionally, Luxembourg is a multilingual country, with French, German, and Luxembourgish all spoken, making it a great place for those looking to learn a new language. The country also offers a wide range of cultural activities, from museums and galleries to festivals and concerts, making it a great place to explore and experience new things. Finally, Luxembourg is a safe and secure country, with a low crime rate and a strong sense of community, making it an ideal place to live and work," said one expat in living in Luxembourg.

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What do I need to know about living in Luxembourg?

When we asked people what advice they would give someone preparing to move to Luxembourg, they said:

"Before retiring in Luxembourg, expats should familiarize themselves with the country's tax system, as well as the cost of living and healthcare. It is also important to research the availability of public transportation, as well as the availability of leisure activities and cultural attractions. Additionally, expats should consider the language barrier, as Luxembourgish is the official language, although French, German, and English are also widely spoken. Finally, expats should research the visa and residency requirements for retirees," explained one expat living in Luxembourg.

What do I need to know before moving to Luxembourg?

When we asked people what advice they would give someone preparing to move to Luxembourg, they said:

"Expats should be aware that Luxembourg is a multilingual country, with French, German, and Luxembourgish being the official languages. It is important to learn at least one of these languages before moving to Luxembourg. Expats should also be aware that Luxembourg has a high cost of living, so it is important to budget accordingly. Additionally, Luxembourg has a strong economy and a high standard of living, so expats should be prepared to pay higher taxes than they may be used to. Finally, expats should be aware that Luxembourg is a small country, so it is important to take advantage of the many cultural and recreational activities available," said one person in Luxembourg.

"We were fortunate that we had a professional transition specialist who spoke many languages. I still call her to order oil or to help out when I have trouble. Try to learn a little French before you come. The Luxembourgers are very polite. Always say merci, au revoir when you leave any place, including the grocery store. Say bon jour or bon soir whenever entering an establishment and make eye contact. A little of that and some apologetic English and everyone will try to help you out! Most of the expats I know are all at the same level as my husband. We all have access to these transition people which makes life easier all around. They are helpful when moving in and especially when we need to update our Visas and when paperwork has to be filed at the commune. I can't read the forms, nevermind fill them in. Ensure you ask for a neighborhood or at least town where more expats or school attendees go. The school can tell you where most of the students come from. I have 2 high schoolers so being local to their friends is key," remarked one expat in Bertrange.

How do I find a place to live in Luxembourg?

We asked expats how they chose their neighborhood and found a place to live. They answered:

"Finding a place to live in Luxembourg can be a daunting task. The best way to start is by researching the different neighborhoods and areas of the country to determine which one best suits your needs. You can also look into local real estate agents who specialize in helping expats find a place to live. Additionally, there are a number of websites and online forums dedicated to helping expats find a place to live in Luxembourg. These websites often have listings of available apartments and houses, as well as helpful advice from other expats who have gone through the process. Finally, you can also look into local newspapers and classifieds for listings of available properties," replied an expat in Luxembourg.

"We have been here nearly 2 years. When my husband got the job offer to come over here, it was late August. The company flew us over in early September to look at housing. There was only one house in this town. After looking at houses that were 30 minutes from the school, we chose the first one. It's all about location, location, location. Our town has many expat families, so the carpooling opportunities are numerous. Besides, it is not our house, it is someone elses. Our time here is temporary. You don't want to spend weekends (Saturdays only as Sundays you can't use any power equipment!) worrying about the house. It's closer to school and a bit older, but conveniently located and serves the purpose," remarked one in Bertrange.

What is a typical expat home or apartment like in Luxembourg?

"Expat homes and apartments in Luxembourg tend to be modern and well-equipped, with many featuring open-plan living areas and modern kitchens. Many expat homes and apartments also have access to balconies or terraces, providing stunning views of the city and countryside. Expats can also expect to find plenty of storage space, as well as high-speed internet and cable TV. In addition, many expat homes and apartments come with access to communal facilities such as swimming pools, gyms, and saunas," remarked one in Luxembourg.

"We live in a single family 4 bedroom 2.5 bath brick house painted white. The whole neighborhood has painted white brick single family homes. It is European looking from the outside, but modern design on the inside. Most expats that I know in this small country live in similiar homes. Most of the homes here are duplexes with one mutual wall. In the city there are apartments of various sizes and row house style homes," explained one expat.

What is the average cost of housing in Luxembourg?

If you are thinking about moving to Luxembourg, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The average cost of housing in Luxembourg is relatively high compared to other countries in Europe. Renting an apartment in Luxembourg can cost anywhere from €800 to €2,000 per month, depending on the size and location. Buying a property in Luxembourg can be even more expensive, with prices ranging from €2,000 to €4,000 per square meter," remarked one expat in Luxembourg.

"Our rental is higher than our mortgage. The euro is about 1.5 times the dollar. The average similiar sized home rents for between 3500 and 4200 euro per month. We get paid in US dollars with a subsidy to equalize the cost of living here. Our home is rented in the US, so we contribute to our rent payment here. Then get an adjustment to cover the increased cost of fuel, electricity, food etc," explained one expat living in Bertrange.

How do I meet people in Luxembourg?

When we asked people living in Luxembourg about club and activities where newcomers can meet others, they responded:

"Expats in Luxembourg often join clubs and activities such as sports teams, language classes, and cultural events. Expats can also meet people by attending local festivals, joining meetup groups, or attending networking events. Additionally, many expats find it helpful to join online forums and social media groups related to their interests. This can be a great way to connect with other expats and locals in Luxembourg," said a person living in Luxembourg.

What should I bring when moving to Luxembourg?

People living in Luxembourg were asked what three things they wish they had brought and three they wish they had left behind. They wrote:

"When moving to Luxembourg, it is important to pack items that will help you feel comfortable in your new home. Consider bringing clothing for all seasons, as the weather can vary greatly throughout the year. It is also a good idea to bring any necessary documents, such as a passport, visa, and any other important paperwork. Additionally, it is helpful to bring items that will help you feel at home, such as pictures, books, and other personal items. Finally, it is important to bring any necessary electronics, such as a laptop, phone, and any other devices you may need," said a person living in Luxembourg.

"Wish I brought a snow shovel, gardening stuff- (rakes, edger, lawn mower) and more plug adapters. Wish I left behind all the winter boots, gloves and clothes we haven't used," explained one expat living in Bertrange.

Where should I setup a bank account in Luxembourg?

We asked expats in Luxembourg what banks they use and there advice about banking. They advised:

"Before retiring in Luxembourg, expats should familiarize themselves with the country's tax system, as well as the cost of living and healthcare. It is also important to research the availability of public transportation, as well as the availability of leisure activities and cultural attractions. Additionally, expats should consider the language barrier, as Luxembourgish is the official language, although French, German, and English are also widely spoken. Finally, expats should research the visa and residency requirements for retirees," replied an expat in Luxembourg.

Will I be able to find a job in Luxembourg?

When we asked people about industries and career opportunities in Luxembourg, they reponded:

"Foreigners often have jobs in Luxembourg in a variety of fields, such as finance, banking, IT, engineering, hospitality, and retail. Many foreigners also work in the service industry, such as restaurants, hotels, and transportation. Additionally, there are many opportunities for foreign professionals to work in Luxembourg's growing tech sector," explained one expat living in Luxembourg.

"Finance, IT, engineering companies, a little bit of all industries actually. Most people find employment from the administration offices and contacts," said one expat in Luxembourg.

What is life like in Luxembourg?

When we asked people living in Luxembourg what life is like and how people spend their time, they said:

"Living in Luxembourg as an expat or digital nomad can be a great experience. The country is known for its high quality of life, with excellent infrastructure, a safe and secure environment, and a diverse and welcoming population. Expats and digital nomads can enjoy a wide range of activities, from exploring the city's many cultural attractions to taking advantage of the country's excellent outdoor activities. The cost of living in Luxembourg is relatively high, but the country's high wages and generous social benefits make it an attractive destination for expats and digital nomads. Additionally, Luxembourg is a great place to start a business, with a strong economy and a supportive business environment," said one expat in Luxembourg.

What do expats in Luxembourg appreciate most about the local culture?

"Expats in Luxembourg appreciate the country's strong sense of community and the welcoming attitude of the locals. They also enjoy the country's rich cultural heritage, with its many festivals, museums, and galleries. Additionally, expats appreciate the country's excellent infrastructure, with its efficient public transportation system and modern amenities. Finally, expats enjoy the country's high quality of life, with its low crime rate, excellent healthcare system, and high standard of living," remarked one expat in Luxembourg.

"We truly appreciate how kind people are here! That really surprised us. For the most part, people are very helpful and considerate. We love that it's a small country and that they take very good care of their people. The medical system is really good. The cost for all public transportation within all of Luxembourg is only 45euros for a monthly pass which to us is very reasonable. Students can purchase an annual, all access pass for a little more. The very first thing we noticed was how quiet it is here, even in the city. It's a very clean and neat country. It's fairly safe here too. We love the diversity of cultures that have merged here," explained one expat living in Luxembourg City.

What do expats find most challenging?

"Expats in Luxembourg often find the local culture to be quite different from what they are used to. The language barrier can be a challenge, as Luxembourgish is the official language, and many locals do not speak English. Additionally, the cost of living in Luxembourg is high, and expats may find it difficult to adjust to the high prices. Furthermore, the local culture is quite formal, and expats may find it difficult to adjust to the more formal way of interacting with people. Finally, the local culture is quite conservative, and expats may find it difficult to adjust to the more traditional values and customs," remarked one expat in Luxembourg.

"The biggest challenge we faced was trying to figure out how to shop and save money! In the beginning, our grocery budget doubled! Everything is VERY expensive here! New friends have helped us find the good and affordable ways to shop by going to Germany, France and Belgium on a regular basis. It's pretty cheap to take the train or bus. We go to Germany several times a month for everything from our washer (delivered and installed), to clothes, food and most recently Christmas gifts. We use Ikea in Beligum as well which is literally just over the border. Our country is so small, that within about 30 minutes in any direction, we can be in another country--so cool! Shopping outside of Luxembourg is the most common and widely shared "secret" to saving money," explained one expat living in Luxembourg City.

Is there a lot of crime in Luxembourg?

"Luxembourg is generally considered to be a safe country with low levels of crime. However, there have been reports of pickpocketing and other petty crimes in the capital city of Luxembourg City. Additionally, there have been some reports of drug-related crime in the country," remarked one expat in Luxembourg.

Is there a lot of diversity? Are people in Luxembourg accepting of differences?

"Luxembourg is a small, diverse country with a population of just over 600,000 people. It is home to a variety of ethnic and religious backgrounds, including German, French, Portuguese, Italian, and Luxembourgish. People in Luxembourg are generally accepting of differences and are known for their hospitality and openness to different cultures. The country has a long history of welcoming immigrants and refugees, and its government has taken steps to ensure that all people are treated equally and with respect," remarked one in Luxembourg.

What are the schools in Luxembourg like?

"Starting a new school is scary, but everyone in this school has been new at one time. I was so impressed with how accepting, mature and driven all the kids were. Truly impressive," wrote an expat with kids at International School of Luxembourg in Luxembourg City.

Living in Luxembourg

What are the pros and cons of living in Luxembourg?

What type of social life can someone expect in Luxembourg?

What are medical services in Luxembourg like?

Are healthcare and health insurance expensive in Luxembourg?

Is the cost of living in Luxembourg high?

What are the visa & residency requirements in Luxembourg?

Why do people move to Luxembourg?

What do I need to know about living in Luxembourg?

What do I need to know before moving to Luxembourg?

How do I find a place to live in Luxembourg?

What is a typical expat home or apartment like in Luxembourg?

What is the average cost of housing in Luxembourg?

How do I meet people in Luxembourg?

What should I bring when moving to Luxembourg?

Where should I setup a bank account in Luxembourg?

Will I be able to find a job in Luxembourg?

What is life like in Luxembourg?

What do expats in Luxembourg appreciate most about the local culture?

What do expats find most challenging?

Is there a lot of crime in Luxembourg?

Is there a lot of diversity? Are people in Luxembourg accepting of differences?

What are the schools in Luxembourg like?

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