Retire in Luxembourg, Luxembourg
Last updated on Jun 14, 2025
Summary: Luxembourg, Luxembourg is an attractive destination for retirees due to its high quality of life, low cost of living, and excellent healthcare system. The country also offers a wide range of cultural activities and attractions, making it a great place to spend one's retirement. Retirement communities in Luxembourg are typically well-maintained and offer a variety of amenities, such as swimming pools, fitness centers, and social activities. The average cost of a nice two-bedroom home in Luxembourg is around $400,000 USD, while a nice three-bedroom home can cost up to $600,000 USD. The weather in Luxembourg is generally mild, with temperatures ranging from the mid-30s to the mid-60s Fahrenheit throughout the year.
What is it like to retire in Luxembourg?
"Retiring in Luxembourg offers retirees a high quality of life with numerous advantages. The country has a modern infrastructure, low crime rate, and culture that celebrates diversity. The cost of living is high but the average income is also high. There is excellent access to healthcare and social support, with pension and health insurance schemes guaranteeing financial security in retirement. Luxembourg offers plenty of activities and panoramic views of its rolling hills, deep forests and stunning castles make this a wonderful place to spend the golden years. The capital, Luxembourg City, is especially vibrant and offers a great selection of restaurants, museums and cultural activities," said a retiree who moved to Luxembourg, Luxembourg.
CitizenMLearn More
It's impossible to confuse citizenM with any other hotel. We don't look or sound like anyone else. Bold, vibrant, and artistic - that's us. Our rooms cater to modern travelers - enormous ultra-comfortable beds, unlimited free Wi-Fi and 24/7 food and drinks always waiting at canteenM. And best of all, our ambassadors are every guest's best friend.
CitizenMIt's impossible to confuse citizenM with any other hotel. We don't look or sound like anyone else. Bold, vibrant, and artistic - that's us. Our rooms cater to modern travelers - enormous ultra-comfortable beds, unlimited free Wi-Fi and 24/7 food and drinks always waiting at canteenM. And best of all, our ambassadors are every guest's best friend.
Learn More
What advice do overseas retirees have for others considering retiring abroad?
"When considering retiring abroad, it is important to carefully research the culture, cost of living, healthcare systems, housing, local weather, and quality of life. Additionally, travelers should consider contacting the local government to learn about residency and visa requirements. Expats should also explore the local options for transnational banking and taxation. It is important to take the time to research and speak to those who have experience in the country to get an understanding of how retirees can best transition. Additionally, retirees should plan on taking cultural language classes as a way to connect to the local community while integrating into the culture. Finally, open-mindedness, flexibility, and an enthusiasm for embracing the culture will make the transition much smoother," commented one retiree living in Luxembourg, Luxembourg.
What are the most challenging aspects of retiring in Luxembourg?
"One of the most challenging aspects of retiring in Luxembourg is the cost of living, which is high compared to other European countries. Additionally, the majority of the population speaks Luxembourgish, French, and German, so those who are not fluent in these languages may find it difficult to integrate into society. Other potential challenges include navigating the country's complex tax regulations, finding an appropriate residence, and securing health insurance for expats. Finally, it may be difficult for retirees to raise funds and transfer their current pensions or savings abroad due to Luxembourg's banking regulations," remarked one retiree in Luxembourg.
What are the most rewarding aspects of retiring in Luxembourg?
"Retiring in Luxembourg offers a range of unique benefits that can make it both rewarding and enjoyable. The country's healthcare system is among the best in the world, providing free medical care for the elderly. Additionally, its favorable tax environment for retirees makes it one of the top destinations for retirement in Europe. Government pensions schemes are very generous in Luxembourg, meaning retirees can enjoy a comfortable lifestyle. Furthermore, the country is home to a diverse array of cultural attractions, historic sites, and modern amenities that make it an ideal place for retirees to relax and explore. Luxembourg also has an excellent transportation network that enables easy access to neighboring countries and regions. Finally, with its strong language, culture, and rich selection of international cuisine, Luxembourg is a great place for retirees to stay connected to the rest of the world," said one retiree in living in Luxembourg, Luxembourg.
What are healthcare services like in Luxembourg?
We asked retirees if they have access to good medical care in Luxembourg. They wrote:
"Healthcare services in Luxembourg are of a high quality and are generally very accessible. All Luxembourg residents are covered by mandatory health insurance which is funded by taxes and contributions from the worker and employer. The main healthcare provider is the Luxembourg Health Insurance fund (Caisse Nationale de Sante), which covers the majority of medical costs for hospital admissions, medical treatments, medication and preventative care. Luxembourg also has a well developed private healthcare system, and many supplemental insurance packages are available for those who wish to have access to additional services. Healthcare professionals in Luxembourg also tend to be highly trained and experienced, often being bilingual and able to communicate in both German and French," explained a retiree in Luxembourg.
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:
"A great way to meet new people in Luxembourg is by attending local events such as festivals, cultural activities, and concerts. You can also join clubs and organizations related to your interests or become involved in a local sport. Additionally, there are many expat meet-up groups and networks available that allow you to connect with like-minded people from around the world. Finally, it is also easy to make friends by simply getting out and exploring different parts of the city. A cafés, bars, and other public spaces can be great places to start meet people," remarked one retiree 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:
"Life for expats and digital nomads in Luxembourg is generally quite pleasant. 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 variety of activities, from exploring the city's historic sites to taking advantage of the country's excellent outdoor activities. Luxembourg also offers a wide range of cultural events, from music festivals to art exhibitions. The country is also home to a vibrant nightlife, with plenty of bars, clubs, and restaurants to explore. With its excellent public transportation system, expats and digital nomads can easily get around the city and explore the surrounding countryside," explained one retiree living in Luxembourg.

It's impossible to confuse citizenM with any other hotel. We don't look or sound like anyone else. Bold, vibrant, and artistic - that's us. Our rooms cater to modern travelers - enormous ultra-comfortable beds, unlimited free Wi-Fi and 24/7 food and drinks always waiting at canteenM. And best of all, our ambassadors are every guest's best friend.

It's impossible to confuse citizenM with any other hotel. We don't look or sound like anyone else. Bold, vibrant, and artistic - that's us. Our rooms cater to modern travelers - enormous ultra-comfortable beds, unlimited free Wi-Fi and 24/7 food and drinks always waiting at canteenM. And best of all, our ambassadors are every guest's best friend.
What do I need to know before retiring in Luxembourg?
When we asked people what advice they would give someone preparing to move to Luxembourg, they said:
"Before retiring in Luxembourg, you should be aware of the eligibility requirements and rules of the Luxembourg social security system, the potential benefits available and restrictions to those benefits, tax laws regarding income and investment income, long-term residency requirements, healthcare and pension system regulations, cost of living, availability of housing and transportation options, language and cultural requirements, and any other relevant information that may affect your retirement in Luxembourg," explained one retiree living in Luxembourg.
What type of recreational activities are there in Luxembourg?
"1. Parc Merveilleux: This is an amusement park in Luxembourg, featuring various attractions such as playgrounds, fairy tale scenes, exotic animals, and miniature trains. It is a popular destination for families with children. 2. Les Thermes: A modern water park and wellness center, Les Thermes offers a variety of indoor and outdoor pools, saunas, steam rooms, and relaxation areas. It also has a fitness center and offers various wellness treatments and massages. 3. Kinnekswiss Park: Located in the heart of Luxembourg City, Kinnekswiss Park is a large green space with walking paths, playgrounds, and sports facilities. It is a popular spot for picnics, sports, and outdoor activities. 4. Petrusse Park: This picturesque park is situated along the Petrusse River and offers beautiful views of the city's historic fortifications. It features walking paths, playgrounds, and sports facilities, making it a popular destination for both tourists and locals. 5. Bambesch Forest: A large forested area located just outside Luxembourg City, Bambesch Forest offers numerous walking and cycling trails, as well as picnic areas and playgrounds. It is a popular destination for nature lovers and outdoor enthusiasts. 6. Casino Luxembourg: This contemporary art institution is housed in a historic building and offers a variety of exhibitions, workshops, and events. It also features a café and a bookstore, making it a popular destination for art lovers and tourists. 7. Golf Club Grand Ducal de Luxembourg: This prestigious golf club offers an 18-hole course, a driving range, and a clubhouse with a restaurant and bar. It is a popular destination for golf enthusiasts and those looking to enjoy a relaxing day in a beautiful setting. 8. Skatepark Hollerich: This outdoor skate park features various ramps, rails, and obstacles for skateboarders, BMX riders, and inline skaters. It is a popular destination for both local and visiting skaters. 9. Kockelscheuer Ice Rink: This indoor ice rink offers public skating sessions, ice hockey games, and figure skating lessons. It is a popular destination for families and sports enthusiasts. 10. Luxembourg City History Museum: This museum showcases the history of Luxembourg City through various exhibits, interactive displays, and multimedia presentations. It is a popular destination for tourists and locals interested in learning more about the city's rich history," explained one retiree living in Luxembourg.
Where will I buy groceries and do other shopping in Luxembourg?
"Expats in Luxembourg can buy groceries and do other shopping at various locations. One popular option is Auchan, a large hypermarket located in the Kirchberg district, offering a wide range of products, including groceries, clothing, and electronics. Their website can be found at https://www.auchan.lu/. Another popular grocery store is Cactus, a local supermarket chain with several locations throughout Luxembourg. They offer a variety of fresh produce, meats, and other grocery items. Their website is https://www.cactus.lu/. For organic and health-conscious shoppers, Naturata is a popular choice. They offer a wide range of organic and natural products, including fresh produce, meats, and dairy. Their website is https://www.naturata.lu/. Expats can also visit the local markets, such as the Place Guillaume II Market, held every Wednesday and Saturday in the city center. Here, they can find fresh produce, meats, cheeses, and other local products. More information can be found at https://www.luxembourg-city.com/en/what-s-on/place-guillaume-ii-market. For other shopping needs, expats can visit the City Concorde Shopping Center, which offers a variety of shops, including clothing, electronics, and home goods. Their website is https://www.cityconcorde.lu/," explained one member in Luxembourg.
About the Author
Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC
Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.
Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.
Other Questions:
- What do I need to know before moving to 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 do I need to know before retiring in Luxembourg?
- What should I pack 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 as an expat in your area?
- What do people like (and dislike) about Luxembourg?
- What type of social life can someone expect in Luxembourg?
- What is the social scene like in Luxembourg?
- What advice to expats in Luxembourg have about housing?
- 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?



