No Dark Magic

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Cost of Living in Sweden

Posted at — Feb 21, 2020

General considerations and rules of thumb

  • Salaries in Sweden are discussed in pre-tax, per month terms. Tax is a personal thing — some people are members of the church, which makes their tax higher. In certain contexts (like applying for a mortgage), income is discussed pre-tax, per year. 30k SEK is probably a monthly salary, and 300k SEK is probably a yearly one.

  • A job offer for a permanent full-time position in Sweden has a decent salary as a rule. It will cause neither starvation nor abundant savings.

  • Social security in Sweden is very high, it’s hard to be financially ruined by a health issue, for example, and school education is free.

  • Swedish system favors "two working adults" approach, meaning that "one working adult and one stay-at-home parent" setup might be a strain.

  • The biggest expense factor is housing; for an immigrant moving to Stockholm without having their employer arrange an apartment the only option is to rent an overpriced sublet (think 12000+ for a modest apartment with one bedroom). In other cities and cases it’s possible to pay 2000 instead.

  • Average salary in Sweden is around 35000 SEK per month. This article from the Swedish government agency of statistics says that in 2018 the average salary was 34600, with significant variability depending on profession, age, education, and other factors. Statsskuld.se is one of the websites which allows to browse, filter and explore salary statistics for different positions (the link shows some professions from the IT branch).

Monthly costs

According to Swedbank, this is what it costs to live in Sweden in 2020:

Table 1. Cost of living, SEK

Living alone, adult

A couple, adults

child <1y

child 1–3y

child 4–6y

child 7–10y

child 11–14y

child 15–19y

Food

2770

5540

870

860

1080

1440

1790

2120

Clothes

500

1000

690

690

950

950

700

550

Hygiene, healthcare

500

1000

500

650

140

170

250

390

Sport, free time

640

1280

110

200

410

530

530

630

Local travels

850

1700

-

-

-

-

-

-

Unemployment fund fee

120

240

-

-

-

-

-

-

Insurance, accident

-

-

190

190

190

190

190

190

Insurance, home

130

150

-

-

-

-

-

-

Household

430

470

70

70

70

70

70

70

Tv, phone, internet

1430

1730

50

50

50

50

50

50

Supplies/consumables

130

160

80

80

80

80

80

80

Paid services

40

80

-

-

-

-

-

-

Car

2760

2760

-

-

-

-

-

-

Total per month

10270

16110

2560

2790

2970

3480

3830

4370

Total per year

123240

193320

30720

33480

35640

41760

45960

52440

Swedish Consumer Agency prepares a report on estimates of living costs every year.
The report from 2018 in English
The report from 2020 in Swedish

Table 2. Excerpt from the 2020 report: cost of living, SEK

Shared costs

1 person

2 people

3 people

4 people

Expendable items (e.g. laundry detergent)

130

160

240

280

Household utensils and small appliances (e.g. furniture, TV)

590

690

850

940

Media (e.g. internet, newspaper)

1180

1230

1240

1290


Home insurance

1 person

2 people

3 people

4 people

Big city (over 200k inhabitants)

160

180

210

300

Medium-sized city (50–200k inhabitants)

100

120

140

170

Small town (less than 50k inhabitants)

90

110

120

150


Food costs

18–30 year-olds

31–60 year-olds

61–74 year-olds

Only home-cooked

2950

2770

2490

All food cooked at home except lunch on weekdays

2240

2110

1890


Other costs

18–25 year-olds

26–49 year-olds

50–64 year-olds

65+ year-olds

Clothes and shoes

520

500

500

490

Leisure

660

640

640

560

Mobile phone

350

250

240

150

Hygiene

500

500

480

480

Total

2030

1890

1860

1680


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