France vs Germany — Full Cost of Living Comparison (2026)
Updated March 2026
France has a cost of living index of 78.0 with average 1BR rent around $1,050/mo, while Germany sits at 76.0 with rent near $1,100/mo. Below is the full side-by-side breakdown for digital nomads, expats and remote workers weighing a move.
| Metric | France | Germany | Winner |
|---|---|---|---|
| Mortgage Interest Rate | 4.10% | 3.90% | Germany |
| Savings Account Interest Rate | 3.00% | 3.50% | Germany |
| Credit Card Interest Rate (APR) | 16.2% | 14.8% | Germany |
| Average Rent (1BR City Centre) | US$1,050/mo | US$1,100/mo | France |
| Real Estate Price (per m²) | US$6,800/m² | US$6,200/m² | Germany |
Summary
France has a higher mortgage rate than Germany at 4.10% vs 3.90%. Rental costs in France average $1,050/month compared to $1,100 in Germany, while the cost of living index sits at 78.0 versus 76.0. Overall, the two countries trade strengths across financial and lifestyle metrics.
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How we calculate this
Cost of living, rent, mortgage, savings and tax figures combine official sources (World Bank, central banks, national statistics offices) with crowdsourced price data, refreshed regularly. Full breakdown: read our methodology.
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