Estonia is a popular destination for expats due to its beautiful natural scenery, modern infrastructure, and favorable business climate. Here is some information about the cost of living and other important considerations for expats in Estonia:


Wages and salary in Estonia

The average gross monthly salary in Estonia was around 1,500 EUR in 2021. However, the actual salary can vary depending on the industry and the level of experience.

The highest paying industries in Estonia are the financial sector, technology sector, and healthcare sector. In these industries, the average monthly gross salary can range from 2,000-3,000 EUR or even more for senior positions. On the other hand, the average monthly gross salary in the retail and hospitality sectors can range from 800-1,200 EUR.

It’s worth noting that salaries in Estonia are subject to income tax, which is progressive and ranges from 20-32%. Employees also need to contribute to social security, which is around 33% of the gross salary.

Overall, the cost of living in Estonia is relatively low compared to other European countries, and the salaries are competitive in certain industries. However, it’s important to research and consider the cost of living and taxes before accepting a job offer in Estonia.


Housing costs in Estonia

Housing costs in Estonia can vary depending on the location, size, and condition of the property. In general, the cost of renting or buying a property in the capital city of Tallinn is higher than in smaller towns or rural areas.

The average cost of renting a one-bedroom apartment in Tallinn city center is around 500-700 EUR per month, while a three-bedroom apartment can cost around 1,200-1,500 EUR per month. Outside of Tallinn, the rental prices can be significantly lower, with a one-bedroom apartment costing around 300-500 EUR per month.

Buying a property in Estonia is also relatively affordable, with the average price per square meter ranging from 1,500-2,500 EUR in Tallinn and 1,000-1,500 EUR in other parts of the country. It’s worth noting that there are additional costs associated with buying a property, such as a one-time real estate tax of 2% of the purchase price and various transaction fees.

Overall, the housing costs in Estonia are lower than in many other European countries, but it’s important to research the specific location and property type before making any decisions.


Cost of domestic bills in Estonia

The cost of domestic bills in Estonia can vary depending on the size of the property, the number of occupants, and the consumption level. Here are some average costs for common domestic bills in Estonia:

  1. Electricity: The average monthly cost of electricity for a one-bedroom apartment is around 30-40 EUR, while a three-bedroom apartment can cost around 70-100 EUR per month.
  2. Water: The average monthly cost of water for a one-bedroom apartment is around 10-15 EUR, while a three-bedroom apartment can cost around 25-35 EUR per month.
  3. Heating: The cost of heating in Estonia can vary depending on the type of heating system used (e.g., district heating, electric heating, etc.). The average monthly cost of district heating for a one-bedroom apartment is around 40-60 EUR, while a three-bedroom apartment can cost around 100-150 EUR per month.
  4. Internet and TV: The average cost of a basic internet and TV package is around 20-30 EUR per month.

It’s worth noting that these are just rough estimates and the actual costs can vary depending on the provider, the consumption level, and other factors. Additionally, some landlords may include the cost of utilities in the rent, so it’s important to clarify this before signing a lease agreement.


Healthcare costs in Estonia

Estonia has a national healthcare system that provides free or low-cost healthcare services to Estonian residents. As an expat, you may be required to register with the Estonian Health Insurance Fund (EHIF) to be eligible for the public healthcare system. Here are some of the healthcare costs you may encounter in Estonia:

  1. EHIF contributions: If you are employed in Estonia, your employer will make contributions to the EHIF on your behalf. The amount of contributions depends on your salary, but it is generally around 13% of your gross salary. If you are self-employed, you will need to make contributions to the EHIF yourself.
  2. Doctor’s appointments: Doctor’s appointments at public healthcare facilities are generally free of charge for EHIF members. However, you may need to pay a small fee for certain services, such as seeing a specialist or getting a prescription. Private healthcare facilities may charge higher fees for doctor’s appointments.
  3. Hospital stays: Hospital stays at public hospitals are generally free of charge for EHIF members. However, you may need to pay a small fee for certain services, such as meals or a private room. Private hospitals may charge higher fees for hospital stays.
  4. Medications: Medications prescribed by a doctor are generally subsidized by the EHIF. You may need to pay a small fee for the medication, depending on the type of medication and your EHIF coverage.

It’s worth noting that EHIF coverage does not extend to dental care, which can be expensive in Estonia. Private dental clinics may offer lower prices, but it’s important to do your research and compare prices before choosing a provider.


Childcare costs in Estonia

In Estonia, childcare costs can vary depending on the type of childcare and the age of the child. Here are some of the childcare options and costs in Estonia:

  1. Public kindergarten: Public kindergartens are available to all children between the ages of 1.5 and 7 years old. The monthly fee for public kindergarten ranges from around €30 to €200, depending on the family’s income and the number of children in the family.
  2. Private kindergarten: Private kindergartens can be more expensive than public kindergartens, with monthly fees ranging from €200 to €500 or more.
  3. Nanny or au pair: Hiring a nanny or au pair can be a more flexible childcare option, but it can also be more expensive. The cost of hiring a nanny or au pair varies depending on their experience and qualifications, but it can range from €500 to €1000 or more per month.
  4. After-school programs: After-school programs are available for children who attend primary school. The cost of after-school programs varies depending on the program, but it can range from €30 to €150 per month.
  5. Child benefits: Families in Estonia may be eligible for child benefits from the government, which can help offset the cost of childcare. The amount of child benefits depends on the number of children in the family and the family’s income.

Overall, childcare costs in Estonia are generally lower than in many other European countries, but they can still be a significant expense for families.


Study costs in Estonia

Study costs in Estonia vary depending on the level of study, the institution, and the program of study. Here are some general guidelines for study costs in Estonia:

  1. Bachelor’s and Master’s programs: Tuition fees for Bachelor’s and Master’s programs at public universities in Estonia are free for EU/EEA citizens and students with a permanent residence permit in Estonia. However, non-EU/EEA students may have to pay tuition fees, which range from €1,500 to €7,500 per year depending on the program and the institution.
  2. PhD programs: PhD programs are also free for EU/EEA citizens and students with a permanent residence permit in Estonia. Non-EU/EEA students may have to pay tuition fees, which range from €2,500 to €12,000 per year depending on the program and the institution.
  3. Private institutions: Private institutions in Estonia charge tuition fees for all students, regardless of their citizenship or residence status. Tuition fees at private institutions can range from €3,000 to €15,000 or more per year depending on the program and the institution.
  4. Scholarships: There are several scholarship opportunities available to students studying in Estonia, including the Estonian national scholarship program, scholarships offered by the universities, and scholarships offered by external organizations.
  5. Living expenses: In addition to tuition fees, students in Estonia will also need to budget for living expenses, including accommodation, food, transportation, and other costs. The cost of living in Estonia is generally lower than in many other European countries, but it can still vary depending on the location and lifestyle of the student.

Overall, the cost of studying in Estonia can be affordable compared to other European countries, especially for EU/EEA citizens and students with a permanent residence permit in Estonia. Non-EU/EEA students may face higher costs, but there are still scholarship opportunities and affordable living options available.


The cost of food and drink in Estonia


The cost of food and drink in Estonia is generally lower than in many other European countries. However, the exact cost can vary depending on the location and type of establishment.

Here are some general price ranges for food and drink in Estonia:

  1. Restaurants: A meal at a mid-range restaurant can cost anywhere from €10 to €20 per person. Fine dining establishments can be more expensive, with prices ranging from €30 to €100 per person.
  2. Fast food: Fast food chains such as McDonald’s and KFC have locations in Estonia, and prices are comparable to other European countries. A combo meal at McDonald’s can cost around €6-€8.
  3. Groceries: The cost of groceries can vary depending on the location and the type of store. A liter of milk can cost around €0.60-€0.90, a loaf of bread around €0.70-€1.50, and a kilogram of chicken around €3-€5.
  4. Alcoholic beverages: The cost of alcoholic beverages in Estonia can be quite low compared to other European countries. A pint of beer can cost around €2-€4 in a pub, while a bottle of wine can cost around €7-€15 at a grocery store.

Overall, the cost of food and drink in Estonia is generally affordable and can be lower than in many other European countries. However, prices can vary depending on the location and type of establishment, so it’s important to research prices in the specific area you will be living in.


Transport costs in Estonia

The cost of transportation in Estonia is generally affordable compared to other European countries. Here are some common transportation options and their associated costs:

  1. Public transport: The cost of public transport in Estonia depends on the city or region you are in. In Tallinn, for example, a single ride on a bus, tram, or trolleybus costs €2, and a 24-hour ticket costs €5. In Tartu, a single ride costs €1.50, and a 24-hour ticket costs €3.50. Monthly passes are also available and can offer significant savings.
  2. Taxis: Taxis are widely available in Estonia, and fares are metered. The cost of a taxi ride depends on the distance traveled and can vary between cities. As an example, a taxi ride from Tallinn Airport to the city center can cost around €10-€15.
  3. Car rentals: Rental cars are available at airports and major cities in Estonia. Prices vary depending on the car rental company and the type of car, but expect to pay around €25-€50 per day for a basic car.
  4. Bicycles: Estonia has an extensive network of bike lanes and bike rental options. In Tallinn, for example, a 24-hour bike rental costs around €10.

Overall, the cost of transportation in Estonia is generally affordable, especially if you use public transport or bicycles. However, prices can vary depending on the city or region you are in, so it’s important to research transportation options and costs in the specific area you will be living in.


Leisure activities in Estonia

Estonia offers a variety of leisure activities for both locals and expats. Here are some popular options:

  1. Outdoor activities: Estonia is known for its beautiful nature and there are plenty of opportunities for outdoor activities such as hiking, cycling, kayaking, fishing, and camping. Some popular spots include Lahemaa National Park, Soomaa National Park, and Lake Peipsi.
  2. Cultural events: Estonia has a rich cultural heritage and there are many events throughout the year celebrating music, dance, and traditional Estonian customs. One of the biggest events is the Song and Dance Festival, held every five years in Tallinn.
  3. Museums and galleries: Estonia has a number of museums and galleries showcasing Estonian art, history, and culture. Some popular options include the Kumu Art Museum, the Estonian National Museum, and the Estonian Open Air Museum.
  4. Nightlife: Estonia has a vibrant nightlife scene, especially in Tallinn. There are plenty of bars, nightclubs, and live music venues to choose from, with something to suit all tastes.
  5. Sports: Estonia has a strong tradition in sports and there are plenty of opportunities to get involved or watch local teams. Some popular sports include football, basketball, ice hockey, and volleyball.

Overall, Estonia offers a range of leisure activities for expats to enjoy, whether you prefer outdoor pursuits, cultural events, or nightlife. Prices for leisure activities are generally affordable, especially compared to other European countries.


Taxation and social security in Estonia

Taxation and social security in Estonia are generally considered to be relatively simple and transparent. Here are some key points to keep in mind:

  1. Personal income tax: The personal income tax rate in Estonia is a flat rate of 20%. This applies to all income, regardless of the source.
  2. Social security contributions: Employees in Estonia are required to pay social security contributions, which are divided into two parts: the pension contribution and the health insurance contribution. The total contribution rate is 33%, with the employer responsible for paying 20% and the employee responsible for paying 13%.
  3. Corporate tax: The corporate tax rate in Estonia is 20%, which applies to the company’s profits. However, if the profits are reinvested in the company, there is no tax on those profits.
  4. Value added tax (VAT): The standard VAT rate in Estonia is 20%, with reduced rates of 9% and 0% for certain goods and services.
  5. Social benefits: Estonia offers a range of social benefits to residents, including a universal child allowance, unemployment benefits, and pensions.

Overall, taxation and social security in Estonia are relatively straightforward and transparent. The tax rates are competitive compared to other European countries, which can make Estonia an attractive destination for businesses and individuals.


Assistance with living costs in Estonia

Estonia offers various forms of assistance to help residents with living costs. Here are a few examples:

  1. Child allowance: Estonia offers a universal child allowance to all families with children under the age of 16. The amount of the allowance depends on the number of children in the family.
  2. Unemployment benefits: If you lose your job in Estonia, you may be eligible for unemployment benefits. The amount of the benefits depends on your previous earnings and how long you have been unemployed.
  3. Social assistance: If you are unable to support yourself or your family, you may be eligible for social assistance. This can include help with housing costs, food, and other basic needs.
  4. Housing benefits: Estonia offers housing benefits to low-income families and individuals who are struggling to pay their rent or mortgage.
  5. Student support: Estonia offers various forms of financial support to students, including scholarships, loans, and grants.

Overall, Estonia has a social welfare system designed to provide assistance to those who need it. The system is relatively comprehensive and provides support in various forms, which can help to alleviate the cost of living for those who are struggling.