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What does your first apartment cost?

Your own apartment: all costs at a glance

Moving out with parents is a big step. Life doesn't just feel different - you suddenly have to pay for it yourself and take care of the costs of your first apartment. It is easy to lose track of all the different issues. So that this doesn't happen to you, you will find a complete overview of costs here - from A for transfer payment to Z for setting up a room.

Regular costs

Regular costs for your own apartment

Rent, operating costs, electricity, internet and much more - there are many different things that you will have to pay regularly for your own apartment in the future. So that you know what to expect, you will find tips & tricks on the regular costs here.

1. Cost of your first apartment: the rent

Rent is of course the most important consideration when thinking about the cost of the first apartment. But did you know that there are different rents? They appear regularly in apartment advertisements: rent excluding heating and heating costs.

The terms already show what it is about: The rent excluding heating - also known as the net rent or net excluding rent - is the amount that you pay for the cold rooms. In other words: It is the rent without heating costs and other ancillary costs.

The rent including heating - also known as gross rent, gross rent including rent - is the rent including heating and operating costs.

By the way, when you rent an apartment, there is a rule of thumb: The warm rent should not amount to more than a third of your monthly income. If the rent is higher, there is often not enough money left for food, leisure and clothing.

Very important:

Notice whether your rent is a graduated or index rent. In the case of a graduated rent, the rental contract already states when the rent will increase by how many euros. Index rents, on the other hand, are tied to the so-called rental price index - here, too, you can assume regular rent increases. Before you sign a contract with one of these two types of rental, you should therefore carefully consider whether you can still afford the rent in one, two or five years.

Tip: pay on time

So that your rent is always paid on time, the best thing to do is to set up a standing order in your current account online. In the case of a graduated lease, remember to change your standing order for the rental in good time. It is best to have a to-do app or your calendar remind you before the next increase date.

Tip: don't pay too much

Check the rent index for your place of residence to see whether the amount of your rent is okay. The rent may be a maximum of ten percent above the comparative rent. Rent index is available for most of the larger cities, a list of Baden-Württemberg rent index can be found in the service portal of the state of Baden-Württemberg. Many cities nationwide also provide information about their rent index, such as Berlin, Hamburg, Munich or Cologne.

2. Additional costs of your rented apartment

For most apartments, you transfer a monthly advance payment for the operating costs together with the rent. The Operating Costs Ordinance precisely regulates which ancillary costs your landlord can have you and the other tenants pay:

  • heater
  • Water and sewage
  • Cable TV or antenna
  • elevator
  • House cleaning and vermin control
  • Garden maintenance
  • Lighting (e.g. in the stairwell)
  • Street cleaning and garbage collection
  • facility manager
  • chimney sweeper
  • shared laundry room
  • Property and liability insurance
  • Property tax
  • other operating costs, provided that these are precisely specified in the rental agreement

The landlord is not allowed to pass on costs for property management or maintenance of the house, for example.

When the year is over, your landlord has to send you a utility bill within twelve months. All individual costs are to be broken down in detail. If you are lucky, you will get your money back when you settle your account - but it can also happen that you have to pay later.

Tip: Are your prepayments enough?

Have your landlord show you the latest utility bills and ask the previous tenants whether their monthly advance payments were sufficient. In this way you avoid nasty surprises and high back payments when billing your operating costs.

Tip: check your billing

It happens that costs are passed on to the tenants that the landlord should actually have to pay himself. You should therefore check your utility bill. If you are unsure whether everything is correct, you can, for example, have it checked by a tenants' association.

Electricity and gas for your apartment

Your landlord will make sure that water comes out of the tap in your apartment. On the other hand, you have to take care of electricity and possibly gas (for stove, heating and hot water) yourself. Of course, you also have to pay for it yourself - in addition to the other running costs such as rent and operating costs. You can easily compare the tariffs for this online.

3. Bring your apartment online

In addition to a roof over your head, water, electricity and heating, you probably also need the internet to feel really comfortable in your new apartment. That means even more costs - but also more fun.

Online access is usually offered together with a landline connection. You can find the right tariff on one of the numerous price comparison sites. By the way, so that you are online immediately after moving, you should register with a provider as early as possible.

Netflix, Spotify & Co.

If you no longer live with your parents, you are no longer allowed to use their accounts on Netflix, Spotify & Co. So it is best to register with your favorite streaming provider shortly before the move with your new address. How much that costs per month, of course, depends on where you register and at what prices. You can also listen to Spotify for free, for example, a Netflix subscription is available from 7.99 euros per month - but then only offers SD quality.

Television costs money

If you want to watch classic TV channels, you have several alternatives:

  • Cable TV: monthly price depends on the respective provider and is often part of the monthly operating costs
  • Antenna (DVB-T2): around 20 channels such as ARD and ZDF free of charge, private channels cost € 5.75 per month
  • Streaming: ARD, ZDF & Co. mostly free of charge, Pro7, RTL & Co. e.g. via streaming platforms from 4.99 euros per month
  • Satellite: many channels free of charge, HD private channels 5.75 euros per month

In addition, there is the broadcasting fee (formerly: GEZ fee) of 17.50 euros per month for public broadcasters such as ARD and ZDF. However, under certain conditions you can apply for an exemption or discount.

4. Insure safely

As long as you lived with your parents, you probably didn't have to worry about insurance yourself. That changes with the move to your own apartment. Because now you are usually no longer insured with your parents. We'll show you which types of insurance could make sense for you.

The debit insurance: liability

Liability insurance pays for personal injury, property damage and financial loss that you cause. Very large amounts can quickly become involved - this is why this insurance really makes sense. If you are in training or studying, you can often save yourself this expense: Because with many family liability insurances you are still insured. Your parents should discuss with their insurance company whether this is the case for you.


If you want to take out your own liability insurance, you should do so before you move into your new apartment. Because if, for example, furniture is carried through the hallway, a wall can be accidentally damaged - with liability insurance you don't have to pay for the repairs yourself.

The optional insurance: household effects

It can also make sense to have your own home insurance. Among other things, she pays if there is a fire in your apartment and your belongings are damaged in the process. The insurance will also compensate you if you have a TV, game console, smartphone, household appliances or items of clothing stolen in the event of a break-in. The average cost of home contents insurance depends, among other things, on the size and location of the apartment and the value of your insured items. For example, you can insure a 50 m2 apartment in Stuttgart for less than 3 euros per month.

The following also applies to household contents insurance: Your household effects may still be insured with your parents during your training and studies. So that you don't spend money on unnecessary insurance, you should clarify this with your insurance company.

One-time costs

One-time costs for your own apartment

In addition to the regular costs, you can also expect some expenses that only arise once. The amounts are sometimes quite high, but we have a little consolation for you: You probably don't have to pay all of the costs that you will find here.

1. Deposit for your apartment

Most landlords require a deposit from their tenants. This is a security, e.g. if tenants do not pay their rent or damage the apartment. After moving out, you will receive the deposit back with interest as soon as the landlord no longer wants any money from you. The deposit may amount to a maximum of three months' cold rent.

Tip: guarantee instead of paying

If the landlord agrees, you can give him a rent deposit guarantee instead of the deposit. A bank or insurance company promises your landlord that they will, for example, pay the deposit amount to him in the event of damage to the apartment. Your advantage: You don't have to give your landlord three months' rent as security. The disadvantage: you have to pay a fee every year for the guarantee.

2. Do you have to pay your landlord's agent?

Since 2015 the answer to this question has finally been: No. If the apartment owner has hired an agent to rent it, he has since then also had to pay for it himself.

Pay transfer:

Transfer fees are not only paid for football, but also for rental apartments. Whether for the dishwasher, built-in cupboards or the entire kitchen - previous tenants often want money for things that they have paid for and that they cannot or do not want to take with them when they move out. The rule here is: You don't have to take on anything - so don't let yourself be ripped off.

Tip: check everything

Take a close look at furniture, refrigerators, etc. before you take them over from the previous tenant. For electrical appliances you should z. B. Be sure to check whether they are working properly.

Tip: Contracts protect against stress

Sign a written contract with your previous tenant about what you will take over and at what price. This will avoid later arguments.

3. Renovate your apartment

You have finished looking for an apartment and have already signed the rental agreement - but before you can move in, there is usually still a lot to do. Maybe you want to wallpaper, paint the walls a different color, or lay new carpet. All of this costs money. If you are lucky, you can borrow a wallpapering table, brush, squeegee, etc. from your parents or friends - but the material (paint, wallpaper, carpets ...) also costs money. How much? That depends, among other things, on the scope of the work, your taste and your creativity. And of course whether you need professional support for your work or whether you can do everything yourself and with friends or relatives.

4. Moving into your first own apartment

If you want to estimate the costs of moving into your first own apartment, the first question that arises is: Do you hire a moving company or do you let friends and relatives help you? If you organize the move yourself, you will need a van or truck - you can compare rental prices online.

5. Initial equipment for your apartment

Furnishing your first apartment of your own can be quite expensive. Depending on what you bring with you from home, the cost of furnishing the home can be well into four digits. We'll show you what you need for the individual rooms here.

living room

Couch or armchair, table, television, stereo / sound system, cupboard or shelves, possibly desk with computer and printer, lamp (s), curtains or blinds


Bed, blankets, pillows, bed linen, wardrobe and / or chest of drawers, hangers, bedside table, bedside lamp, ceiling or wall lamp, opaque curtains or blinds


Table, chairs, sink with tap, stove, oven, refrigerator, kitchen cupboards, lamp (s), kettle, coffee maker, toaster, pots, frying pans, casserole dishes, plates, cutlery, glasses, cups, kitchen scales, cutting boards, kitchen knives, bowls, storage jars , Wooden spoon, spatula, soup ladle, tea towels, kitchen sieve, trash can, can opener, bottle opener, corkscrew, spices


Mirror or mirror cabinet, shower curtain, bathroom carpet, washbasin cabinet, shelf or cupboard, small garbage can, hairdryer, toilet brush, towels, lamp (s), opaque curtains or blinds


Hammer, Phillips and slotted screwdriver, drill, cordless screwdriver, folding rule, spirit level, nails and screws, dowels with suitable screws, Allen keys, pliers, utility knife, socket strips and extension cables

Washing & cleaning

Washing machine, tumble dryer, laundry basket, clothes horse, vacuum cleaner, broom, hand brush and dustpan, cleaning bucket, cleaning agent, detergent, dish soap, ironing board, iron, doormat

Tip: do it yourself

With a little manual skills and the right YouTube tutorial, you can do a lot of things yourself. This allows you to be particularly creative - and you also save money.

Tip: Find a donor

Ask family and friends if they would like to bring you something to move in. With a shopping list app (e.g. Bring for iOS or Android) you can make sure that you don't get anything twice. Simply enter everything that is still missing in a new shopping list - and then share the list with parents & Co.

Your apartment costs a lot - Giro worldwide costs nothing

You can spend a lot of money on your first own apartment. Fortunately, at least your current account is completely free: With Giro worldwide you don't pay any fees and you can withdraw money worldwide free of charge. Open it online in just 10 minutes - no signature, no paperwork.

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