Retiring in the Netherlands: 2025 Cost of Living, Food, and Healthcare Insights
The Netherlands is a perennial favorite for retirees seeking a high quality of life, vibrant culture, and excellent infrastructure. But what does it really cost to retire here in 2025? This guide covers the latest figures and insights on cost of living, food, healthcare, and the best cities for retirees, with data from leading expat and financial resources.
Cost of Living in the Netherlands (2025)
Depending on your lifestyle and city, the cost of living varies widely. Here are key figures (sources: Simple Holland, Expatriate Consultancy):
- Country-wide average: €1,000–€3,000/month per person
- Amsterdam: €1,600–€2,655/month rent (60–100m²), total living cost up to $4,000/month
- Utrecht: €1,265–€2,100/month rent (60–100m²)
- Rotterdam/The Hague/Eindhoven: €1,100–€1,850/month rent (60–100m²)
- Groningen: €924–€3,271/month
- Haarlem: €999–€3,665/month
- Maastricht: $1,270/month (single retiree)
- Leiden: $2,000/month (single retiree)
- Delft: $1,800/month (single retiree)
- Tilburg: $2,806/month (single retiree)
- Almere: $2,400/month (single retiree)
Food Costs (2025)
- Groceries: ~€225/month per person (cooking at home)
- Eating out: Lunch €20, Dinner €50–€60
Healthcare Costs (2025)
The Dutch healthcare system is world-class and mandatory for all residents. The average basic health insurance premium in 2025 is about €159/month per person (Zorgwijzer). Many expats supplement with private insurance for additional coverage.
Best Cities/Regions to Retire in the Netherlands
| City/Region | Est. Monthly Cost (€) | Notes |
|---|---|---|
| Amsterdam | 3,000–4,000 | High cost, vibrant culture, excellent healthcare |
| The Hague | 845–2,967 | International community, beach proximity |
| Haarlem | 999–3,665 | Country feel, high standard of living |
| Groningen | 924–3,271 | Youthful, affordable, cultural events |
| Maastricht | 1,270 | Historic, scenic, cultural hub |
| Leiden | 2,000 | University town, central location |
| Delft | 1,800 | Walkable, historic, healthcare access |
| Tilburg | 2,806 | Vibrant, university city |
| Almere | 2,400 | Modern, well-planned, nature access |
| Rotterdam | 1,100–1,850 | Modern, diverse, rising rents |
| Utrecht | 1,265–2,100 | Historic, centrally located |
| Eindhoven | 1,100–1,850 | Tech hub, affordable options |
Standard of Living
- Excellent infrastructure, bike-friendly, English widely spoken
- Progressive tax system, high quality of life, vibrant culture
- Many cities have expat communities and international amenities