City comparison
🇲🇨 Monaco vs 🇱🇺 Luxembourg City
Side-by-side comparison of cost of living, taxes, and quality of life for expats.
Quick verdict
More affordable
Luxembourg City
42% cheaper overall
Higher quality of life
Monaco
9/10 vs 8.5/10
Cost of living comparison
| Category | 🇲🇨 Monaco | 🇱🇺 Luxembourg City |
|---|---|---|
| Rent (1-bed, center) | €8,167 | €1,985 |
| Rent (1-bed, outside centre) | €6,011 | €1,777 |
| Groceries (single) | €500 | €350 |
| Transport pass | €30 | Free |
| Restaurant (2 people) | €150 | €90 |
| Monthly budget (moderate) | €10,900 | €5,250 |
Rents: Monaco, Numbeo (October 2026); Luxembourg City, Numbeo (October 2026)
Monthly budgets: official household spending surveys, single adult, plus rent; each city page gives its source.
Quality of life
| Metric | 🇲🇨 Monaco | 🇱🇺 Luxembourg City |
|---|---|---|
| Overall | 9/10 | 8.5/10 |
| Safety | 10/10 | 9/10 |
| Healthcare | 9.5/10 | 9/10 |
| Education | 8/10 | 8.5/10 |
| Expat Community | 8/10 | 9.5/10 |
| English Proficiency | 7/10 | 8/10 |
Tax & practical info
🇲🇨
Monaco
MonacoTax regime
0% personal income tax (residents)
Climate
Mediterranean
Nomad visa
No
Effective tax rate
0% (social contributions only)
Avg. salary
€60,000 to €150,000+
🇱🇺
Luxembourg City
LuxembourgTax regime
Progressive 0 to 42%, expat regime available
Climate
Oceanic
Nomad visa
No
Effective tax rate
25 to 35%
Avg. salary
€55,000 to €85,000
Crunch the numbers
Use our calculators to compare your actual take-home pay and monthly budget.
These figures are indicative and based on public datasets. They are not the opinion of a tax lawyer. Consult a tax lawyer, a chartered accountant or a licensed financial professional before making relocation or employment decisions.
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