Belgium is a popular destination for expats due to its high standard of living, multicultural atmosphere, and central location in Europe. As an expat in Belgium, you can expect a relatively high cost of living, but also a high standard of living with excellent healthcare, education, and public transport.
Belgium is a diverse country with three official languages (Dutch, French, and German), and the cost of living can vary depending on the region. Brussels, the capital city, is the most expensive city in Belgium, while smaller cities and rural areas tend to be more affordable.
Overall, Belgium is a relatively expensive country, but with careful budgeting and planning, it is possible to live comfortably as an expat.
The general cost of living in Belgium
Belgium has a relatively high cost of living compared to many other countries in Europe, but it is still considered affordable when compared to other Western European nations. The cost of living in Belgium can vary depending on the region you are in and the type of lifestyle you choose to lead.
Some of the factors that can contribute to the cost of living in Belgium include:
- Housing: The cost of renting or buying a home in Belgium can be quite high, particularly in major cities such as Brussels, Antwerp, and Ghent.
- Food: The cost of food in Belgium is generally moderate, but dining out at restaurants can be quite expensive.
- Transportation: Public transportation in Belgium is generally affordable, but owning a car can be quite expensive due to high taxes and fuel prices.
- Healthcare: Healthcare in Belgium is generally of a high standard, but it can be quite expensive, particularly for those who do not have Belgian health insurance.
- Taxes: Belgium has a high tax rate, particularly for those who earn high salaries.
Overall, the cost of living in Belgium can be quite high, but it is generally considered to be a safe and welcoming country with a high quality of life.
Wages and salary in Belgium
Belgium has a highly developed economy with a well-educated workforce and a high standard of living. The minimum wage in Belgium varies depending on the age and sector of the worker, but it is generally around €1,680 per month for a full-time employee over the age of 21. The average monthly salary in Belgium is around €3,500, although this can vary significantly depending on the sector and the individual’s qualifications and experience. Executive-level positions in large companies and industries such as finance, pharmaceuticals, and technology can pay much higher salaries.
Housing costs in Belgium
Housing costs in Belgium can vary depending on the region and city you choose to live in. Brussels, the capital city, tends to be the most expensive place to live, followed by other major cities like Antwerp, Ghent, and Bruges.
In general, rental costs can be quite high, especially in urban areas, with a one-bedroom apartment in the city center typically costing between 700-1200 EUR per month. Outside of the city center, the cost can be lower, ranging from 550-900 EUR per month.
If you are considering buying a property, the cost will depend on the location, size, and type of property. In Brussels, for example, the average price per square meter for an apartment is around 3,500-4,500 EUR, while outside the city center, it can be around 2,500-3,000 EUR per square meter.
It’s worth noting that Belgium also has some additional costs associated with housing, such as property tax and garbage tax, which can add up to a few hundred euros per year.
Rental costs in Belgium
Rental costs in Belgium can vary greatly depending on the region and city. In general, the larger cities such as Brussels, Antwerp, and Ghent tend to have higher rental prices than smaller cities or rural areas.
As of 2021, the average monthly rent for a one-bedroom apartment in Brussels is around €900-€1,200, while a two-bedroom apartment can cost between €1,200-€2,000 per month. In Antwerp and Ghent, the prices are slightly lower, with a one-bedroom apartment ranging from €700-€1,200 per month and a two-bedroom apartment costing between €1,000-€1,800 per month.
It’s important to note that these are average prices and that actual rental costs can vary widely depending on factors such as the size and location of the apartment, as well as its age and condition. Additionally, rental prices in popular areas can be much higher than the average, so it’s important to do research and budget accordingly.
Property prices in Belgium
The property prices in Belgium vary greatly depending on the region and the type of property. Generally, property prices in Brussels, the capital of Belgium, and other major cities tend to be higher than in other parts of the country. According to recent statistics, the average price per square meter for an apartment in Brussels is around €3,700, while the average price for a house is around €4,200 per square meter. In other parts of the country, such as Flanders and Wallonia, property prices are generally lower. However, it’s important to note that these are just averages and that actual property prices can vary significantly depending on location, size, and other factors.
Cost of domestic bills in Belgium
The cost of domestic bills in Belgium can vary depending on the size of your property, your usage habits, and your location. On average, a monthly bill for electricity, gas, and water for a small apartment can cost around 100-150 euros. Internet and television services cost approximately 50-70 euros per month.
Additionally, it is mandatory to have home insurance in Belgium, and the cost varies depending on the coverage and the insurer. On average, the cost can range from 15-30 euros per month.
It’s important to note that the cost of domestic bills in Belgium may be higher in certain regions or cities, such as Brussels or Antwerp. It’s always a good idea to research the specific costs in your area before moving to Belgium.
Utility bills in Belgium
The cost of utility bills in Belgium can vary depending on the region, the type of dwelling, and the size of the household.
In general, the monthly cost of electricity, gas, and water bills for a small apartment in Brussels can range from €100 to €200, depending on the time of year and usage. For larger apartments or houses, the cost can be higher, up to €300 or more per month.
Additionally, there may be additional fees for services like garbage collection and sewage. These fees can vary by municipality and can range from €50 to €150 per year.
It’s important to note that in Belgium, utility bills are usually paid by direct debit, and some providers offer discounted rates for customers who set up automatic payments.
Telecommunications in Belgium
Belgium has a well-developed telecommunications infrastructure, offering a range of services including landline, mobile, and internet. The cost of these services can vary depending on the provider and the package chosen.
For internet, prices typically start at around €20-€30 per month for a basic package with speeds of around 50-100 Mbps. For more advanced packages with faster speeds and added features such as television or phone, prices can range from €50 to €100 per month or more.
Mobile phone plans vary greatly in price depending on the amount of data and other features included. A basic package with around 2-3 GB of data can cost as little as €10-€15 per month, while more advanced packages with unlimited data and international calling can cost upwards of €50 per month.
Landline services are less commonly used in Belgium, with many households opting to use mobile phones as their primary means of communication. However, for those who do use landlines, prices can start at around €20 per month for a basic package.
It is worth noting that some providers offer bundle packages that combine internet, mobile, and/or landline services, which can often result in savings compared to purchasing each service separately.
Healthcare costs in Belgium
Belgium has a comprehensive healthcare system that covers all residents, including expats, who are registered with a Belgian health insurance provider. The healthcare system is funded by a combination of government subsidies and mandatory contributions from individuals and employers.
The cost of healthcare in Belgium can vary depending on the type of service required and the level of insurance coverage. Basic medical consultations typically cost around 25-30 euros, while more specialized consultations and treatments can cost several hundred euros or more. Prescription medication is also generally more expensive in Belgium than in some other countries.
Expats who are employed in Belgium may have access to private health insurance through their employer, which can provide additional coverage for medical expenses. Some expats may also choose to purchase private health insurance independently to supplement their basic coverage.
Overall, the cost of healthcare in Belgium is generally considered to be high compared to many other countries. However, the quality of care is generally considered to be very high, with a strong emphasis on preventative medicine and early intervention.
Childcare costs in Belgium
Childcare costs in Belgium can be quite high, particularly for families with young children. The government provides subsidies to help with the cost of childcare, but these subsidies are means-tested and may not cover the full cost of care.
The cost of childcare varies depending on a number of factors, including the age of the child, the type of childcare, and the location. In general, daycare centers and nannies tend to be more expensive than after-school programs or babysitters.
According to a study by Eurostat, the average monthly cost of full-time childcare for children under the age of three in Belgium was around €770 in 2020. For children between the ages of three and six, the average monthly cost was around €440. These costs can vary significantly depending on the region and the specific type of childcare.
Study costs in Belgium
Studying in Belgium can be expensive for international students, but costs vary depending on the type of program, institution, and level of study.
Tuition fees for bachelor’s and master’s programs at public universities in Belgium are relatively low compared to other European countries. The average annual tuition fee for EU students is around €900, while non-EU students can expect to pay between €3,000 and €4,000 per year. Private universities and specialized schools may have higher tuition fees.
PhD programs in Belgium are usually fully funded, which means that students do not have to pay tuition fees and may receive a monthly stipend.
Living expenses in Belgium can be high, especially in major cities like Brussels and Antwerp. According to Study in Flanders, an organization that provides information to international students, the average monthly living expenses for a student in Belgium are around €800-€1,200, including accommodation, food, transportation, and other costs. Students may be able to reduce their expenses by living in shared apartments or university housing, cooking their own meals, and using public transportation.
The cost of food and drink in Belgium
The cost of food and drink in Belgium can vary depending on factors such as location, type of establishment, and whether it is a chain or independent.
Groceries
The cost of groceries in Belgium can vary depending on the type and quality of the products you are purchasing, as well as the store where you shop. Generally, supermarkets like Colruyt, Delhaize, and Carrefour offer a range of products at different price points, and discount stores like Aldi and Lidl can also be good options for budget-conscious shoppers.
Here are some estimated prices for common grocery items in Belgium:
- Milk (1 liter): 0.80-1.20 EUR
- Loaf of bread (500g): 1.50-2.50 EUR
- Rice (1kg): 1.50-3 EUR
- Eggs (12): 1.50-3 EUR
- Chicken breast (1kg): 7-10 EUR
- Ground beef (1kg): 10-15 EUR
- Potatoes (1kg): 1-2 EUR
- Apples (1kg): 1.50-3 EUR
- Bananas (1kg): 1.50-2.50 EUR
- Tomatoes (1kg): 2-3 EUR
Note that prices can be higher in tourist areas or in convenience stores, so it can be helpful to compare prices between stores to find the best deals.
Restaurants in Belgium
Belgium has a rich culinary culture with many excellent restaurants, ranging from small and cozy local eateries to Michelin-starred establishments. As a result, restaurant prices in Belgium can vary widely depending on the type of restaurant and location.
On average, a meal at an inexpensive restaurant in Belgium would cost around €15-20 per person, while a three-course meal for two at a mid-range restaurant would cost between €50-70. In high-end restaurants, the prices can go up to €100 or more per person, especially if wine is included.
It’s also worth noting that many restaurants in Belgium offer a fixed-price menu, which can be a good value if you’re looking to try a range of dishes. Additionally, some restaurants offer a “menu du jour” (menu of the day) for lunch, which is usually a more affordable option.
In terms of tipping, it’s customary to leave a small tip of 5-10% for good service, though it’s not mandatory.
Beer, wine, and spirits in Belgium
Belgium is famous for its beer, with a wide variety of locally brewed options available. The cost of beer, wine, and spirits can vary depending on the location and establishment. In general, beer in a pub or restaurant can cost anywhere from €3-€6 for a small draft, with bottled beers typically costing more. Wine and spirits tend to be more expensive, with a glass of wine typically costing €4-€6 and cocktails costing €8 or more. It’s worth noting that prices can be higher in tourist areas and in the larger cities such as Brussels and Antwerp.
Coffee in Belgium
Belgium is known for its rich coffee culture, and you can find a variety of coffee options in many cafes and restaurants throughout the country. The cost of coffee varies depending on the location and the type of coffee you order.
In general, a cup of coffee in a cafe can cost anywhere from €2 to €4, while a cappuccino or latte can cost around €3 to €5. If you opt for a takeaway coffee, the price may be slightly lower.
It’s also worth noting that Belgium is known for its chocolate, and many cafes and chocolatiers offer hot chocolate and other chocolate-based drinks. The cost of these drinks can vary, but you can expect to pay around €3 to €5 for a cup of hot chocolate.
Transport costs in Belgium
Transport costs in Belgium can vary depending on various factors such as the mode of transportation, distance traveled, and time of travel. It’s worth noting that Belgium is a relatively small country, so travel times between cities are relatively short. Additionally, many cities in Belgium have good public transport systems, making it easy to get around without a car.
Public transport in Belgium
Public transport in Belgium is generally reliable, affordable, and efficient. The country has an extensive network of buses, trams, and trains that connect cities and towns across the country, as well as metro systems in Brussels, Antwerp, and Charleroi.
In terms of ticketing, most public transport services in Belgium operate on a pay-as-you-go basis, with passengers purchasing tickets for each journey. However, many cities also offer daily or weekly passes that provide unlimited travel on all forms of public transport within a designated zone.
The cost of public transport in Belgium varies depending on the city or region. For example, in Brussels, a single ticket costs €2.10, while a 10-journey ticket costs €15. In Antwerp, a single ticket costs €3, while a 10-journey ticket costs €27.
It’s worth noting that some employers in Belgium offer their employees an “ecopass,” which provides free or reduced-price public transport as an employment benefit. Additionally, students under 25 years old can purchase a “Campus” card, which offers discounts on public transport.
Private transport in Belgium
In Belgium, owning a car can be expensive due to the high taxes on vehicles, fuel, and insurance. However, if you still choose to have a car, the costs for purchasing one and maintaining it will depend on factors such as the make and model of the vehicle, its age, and your driving history. It’s also important to note that in larger cities such as Brussels, Antwerp, and Ghent, parking can be expensive, and traffic can be heavy, so using public transport or cycling may be more convenient and cost-effective.
Cycling is a popular mode of transportation in Belgium, and many cities have bike rental services and dedicated bike lanes. The cost of purchasing a new bicycle can range from a few hundred to a few thousand euros, depending on the model and features. If you use your bike regularly, you’ll need to budget for maintenance costs such as replacing tires and brake pads.
As for public transport, Belgium has a well-developed network of buses, trams, and trains that cover the entire country. Fares for public transport vary depending on the distance travelled and the mode of transport used. In general, using public transport can be more cost-effective than owning a car, especially if you take advantage of multi-journey tickets or season passes.
Taxi services are also available in Belgium, but they can be expensive compared to public transport. The cost of a taxi ride will depend on the distance travelled, the time of day, and whether any additional fees or surcharges apply.
Leisure activities in Belgium
Belgium offers a wide range of leisure activities, ranging from cultural events to outdoor activities. Here are some examples:
- Museums and galleries: Belgium is known for its art and history, and there are many museums and galleries to explore. Some of the most famous include the Royal Museums of Fine Arts of Belgium, the Magritte Museum, and the Museum of Modern Art in Brussels.
- Music festivals: Belgium is home to several world-renowned music festivals, such as Tomorrowland and Rock Werchter. These festivals attract thousands of visitors from around the world every year.
- Outdoor activities: Belgium’s countryside is perfect for hiking, cycling, and horseback riding. The Ardennes region, in particular, is known for its beautiful forests and picturesque villages.
- Sporting events: Belgium is home to several professional sports teams, including football clubs Anderlecht and Club Brugge. The country also hosts the annual Tour de France cycling race and the Belgian Grand Prix Formula One race.
- Food and drink: Belgium is famous for its chocolate, waffles, and beer. Visitors can indulge in the local cuisine by visiting traditional Belgian cafes, bakeries, and chocolatiers.
Overall, Belgium has something to offer for everyone in terms of leisure activities.
Clothing in Belgium
The cost of clothing in Belgium varies depending on where you shop and what you are looking to buy. High-end designer clothing is generally more expensive, while fast fashion and budget-friendly clothing can be found at lower prices.
Here are some examples of average prices for clothing in Belgium:
- Jeans: €50-€100
- T-shirts: €15-€30
- Dresses: €50-€150
- Shoes: €50-€150
Of course, these prices are just estimates, and you can find both more expensive and more affordable options depending on where you shop. It’s worth noting that Belgium is known for its fashion industry and many high-end designer brands, so you may be tempted to splurge on some luxury clothing items while living there.
Sports in Belgium
Belgium is a country with a strong sporting culture, and there are many opportunities for expats to participate in sports and physical activities. The most popular sports in Belgium are soccer, cycling, and tennis. Other popular sports include basketball, volleyball, and field hockey.
Belgium has numerous sports clubs and facilities where expats can join and participate in various activities. Some of the most popular sports clubs in Belgium include Royal Sporting Club Anderlecht, Club Brugge KV, and Standard Liege. Additionally, expats can join fitness centers and gyms, which are widely available throughout the country.
In addition to participating in sports, expats can also enjoy watching various sporting events in Belgium, including the Belgian Grand Prix, the Tour of Flanders cycling race, and the Belgian Open tennis tournament.
Overall, there are many opportunities for expats to stay active and engage in sports and physical activities while living in Belgium.
Taxation and social security in Belgium
In Belgium, taxes and social security contributions are relatively high compared to some other countries. The country has a progressive tax system, meaning that people with higher incomes pay a higher percentage of their income in taxes than those with lower incomes.
Employers are required to withhold income tax and social security contributions from their employees’ salaries and remit them to the government. Social security contributions include contributions for health insurance, pension, and disability insurance.
The income tax rate ranges from 25% to 50%, depending on income level, and there are also municipal taxes that can vary by location. There is also a value-added tax (VAT) of 21% on most goods and services, and a reduced rate of 6% on certain items such as food and some types of transportation.
In terms of social security, both employees and employers are required to make contributions to the system. The contributions go towards health insurance, pensions, and disability insurance. The exact amount of the contributions varies depending on the employee’s income level and the specific benefits being received.
Overall, while taxes and social security contributions in Belgium may be relatively high, they go towards providing a strong social safety net and a high standard of living for Belgian residents.
Assistance with living costs in Belgium
As an expat in Belgium, there are various forms of assistance available to help with living costs.
- Child Benefits: Families with children who reside in Belgium are entitled to receive child benefits. The amount varies based on the age of the child and the number of children.
- Social Security: The Belgian social security system provides benefits to those who are unable to work due to illness, disability or unemployment. The system is financed through contributions from employees, employers and the self-employed.
- Housing Allowances: Low-income families or individuals who have high housing costs may be eligible for housing allowances. The amount of the allowance is based on income and the size of the household.
- Healthcare Benefits: The Belgian healthcare system is funded through a combination of contributions from employees, employers and the government. Those who are not covered by social security can opt for private healthcare insurance. Low-income households may be eligible for healthcare allowances.
- Job Seekers Allowances: If you are an expat who has lost your job in Belgium, you may be eligible for job seekers’ allowances. The amount of the allowance is based on the length of time you have been working in Belgium and your previous earnings.
- Study Grants: International students who are studying in Belgium may be eligible for study grants. The amount of the grant is based on income and the type of course you are studying.
- Tax Credits: There are several tax credits available to expats in Belgium, including those for childcare expenses, mortgage interest payments and donations to charitable organizations.
It is important to note that eligibility for these benefits and allowances may vary based on individual circumstances.