Cost Of Living In Sweden – Risk & Reward

When we first heard about the possibility of moving to Sweden, there was a lot of research we needed to do.  One of the main things to look into was the cost of living in Sweden.  It is OK to think you need a certain income coming in, but how would the cost of living in Sweden compare to the cost of living in the UK.  We researched as best we could from a distance, and in a very short space of time.  However, since hitting the ground here (running!!), there are a few things we now know about a lot better, so I thought I would put together some main points and differences about the cost of living in Sweden.

Housing:

There is no doubt about it, you can get a lot more for your money here than back in the UK.  Yes, prices around the main cities can be comparable to ours in the UK, but once you move only a few km’s away from there the prices drop significantly.  Whereas in the UK, you can live a good distance from a main town and still be paying a lot for very little (and yes we did used to live in the south of England so prices were also higher there).  We now live around 15km from a big town with amazing transport links in and out, considering it is a Swedish island too.  We have what can be called a proper garden, not a postage stamp.  This was an amazing bonus point for the cost of living in Sweden, as it was by far our biggest outgoing.

Home Insurance:

This seems to be around double what we would have paid back in the UK for a similar sized home, with contents.  I am not sure if it is because we are living in a wooden house now (the insurance comes complete with free fire extinguisher), but this is a cost that needs to be borne in mind when budgeting.

Groceries:

I have found a weekly shop for 5 people roughly balances out, but if you are big meat eaters you need to budget more for this household expenditure.  We have one vegan in the home and I tend to eat that meal too, and the children get a main meal at school every day, so we do not buy meat so much for everyday use.  Expect to pay double for meat than you would in a standard supermarket in the UK.  Cheese is also another constantly pricey item.  Otherwise most things are comparable in price.  You get the odd randomly higher priced item; raisins, washing powder, and hot chocolate are a few! But generally, our outgoings on food are very similar.  I was pleasantly surprised when we started buying alcohol.  I had thought it would be a lot more than the UK, but it is around the same for a bottle of wine.  Four cans of beer would perhaps work out a pound or two more, but it is not a deal breaker.

Eating Out:

Whilst we don’t really get to do this (I can’t take credit for the photo, that is a friend’s mouth watering meal), it is more expensive.  Two coffees, a hot chocolate, and 2 small pieces of cake will easily set you back over 200 SEK (around £20), while a meal out will be similar in comparison.  Thank heavens McDonald’s and IKEA compare similarly!!  So you can always downgrade to those options, although I do love a good meal at IKEA!!  As for drinks, you can easily pay double for a glass of wine or a pint (half litre!) of beer.

Cost of Running A Car:

We have a Volvo V70 (yes I know, very Swedish, but we were limited with options as we had to fit three car seats across the back seat).  The cost of buying this was similar to if we had bought one in the UK the same age etc, and insuring it is similar too.  Here though you insure the vehicle (so anyone qualified can drive it), rather than a person.  You also mustn’t forget to include your wild animal cover for those deer and elks that like to give you heart failure as you are driving along.  Fuel is also about the same price as well.

Utility Bills:

We are paying a little more over the course of a year for electricity than we did in the UK for both electricity and gas, we only use electricity here.  Bear in mind though it is on 24/7 over the Swedish winter, whereas in the UK we got away with a couple of hours twice a day.  Water costs are about the same, but what is significantly cheaper is everything that comes under the title “council tax” in the UK.  We pay for bins separately and you chose a plan that suits you and your rubbish production.  We are a family of five and have alternate week collections for food and combustible waste. Similar to UK and costs around £20/month.  Everything else (cardboard, metal, plastic, glass etc) we take to the recycling places which are found all over the place. Our nearest is about a 5 minute walk, or no time at all in the car.  Don’t think big recycling centres like in the UK (“the tip”), think a group of metal skips like bottle banks, that you just pull up, sort, and go again.  The rest of our home tax is around £48/month compared to over £170/month for our council tax in the UK.

Public Transport:

Dadda uses the busses daily for his commute into town about 15km away.  He pays £60/month for his travel card for busses that turn up on time, for a regional area for up to around 25km radius away from the main town, for as much travel as he wants (or anybody else, as anyone can use the card), and up to two children under 7 go free with a paying adult.  It is also very reliable.

Children’s Activities:

This was a big outgoing for us in the UK having 3 children.  We don’t over schedule them, but we insist on swimming lessons. Then if there is something they want to do, we let them within reason.  Swimming is hard to compare as the lessons here are 40 minutes, plus our older one can actually attend twice a week if she wanted to.  It averages out to not being too much more than we were paying in the UK.  Our little lady is a member of the (sea) Scouts here and her scouting membership is around £32 for the year.  Back in the UK we paying around £24 for a term for Brownies.  We pay £40/year each for the boys to do a local gymnastic class, plus twin 1 does an hour of football a week too for that price.  Twin 2 could, but he chooses not to.  It is a pass to do whatever is on offer.  The little lady’s modern/jazz dance class works out a lot cheaper….half the price of what we paid in the UK, which was around average price there. But when she and twin 1 did do ballet that was at least double.  So, it can depend on what your child enjoys, but on average it is comparable to the UK and not a shock to the system when you move.

I hope this little insight into the cost of living in Sweden has been helpful if you are thinking about moving abroad. If not, it may have been fun to have a little nosy at how we have found it!  If you are thinking of moving abroad, but not to Sweden, I hope it can give you some direction to research in terms of budgeting.  It was so hard to get a picture of what the cost of living in Sweden would be before we moved.

Let me know in the comments below what your thoughts are about the cost of living in Sweden, especially if you have moved here too, and let me know if there is anything you have found living here 🙂

The cost of living in Sweden, Sweden cost of living, Cost of moving abroad, cost of living abroad, www.mammasschool.co.uk

 

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18 Comments

  1. Wow! I am surprised at how similar it all costs. I would love to visit Sweden. It looks like a very clean and peaceful country. x
    Hazel Newhouse recently posted…The Fight Against Counterfeit Toys In The UKMy Profile

  2. Very interesting read. I can see some similarities with us here in Portugal like insuring the car and not the driver. However, eating out is very cheap here. A weekly shop is cheaper depending on where you shop. And house prices vary across the country. Lisbon had high prices, the Algarve is middling and in the more “country” parts you can find real bargains.
    Cath – BattleMum recently posted…A Fun Day Out with Thomas the Tank EngineMy Profile

    • I can imagine eating out must be so much easier if it is cheap 🙂 I think I’d go for “country parts” to grab a bargain, as I am not really a busy place person!!

  3. That is such a good comparison! My brother lives in Sweden, and he is absolutely in love with the country and people x

    • Oh wow, whereabouts is he and I wonder if he finds things similar to us?! We are in love with the place and people too 🙂

  4. In general, it really depends a lot on your lifestyle what you spend and therefore what you can save.If the cost of living is relatively high from your own country the salary may not have that much value once you start calculating the living expenses involved. The best way to make it worth is whether your lifestyle can match the same way as your own lifestyle in your home country.

    • Yes that is all true. I was just comparing our lives as a family of five having not changed much in a living habits between the UK and Sweden. Indeed when we moved we definitely didn’t want to compromise our lifestyle ie size of home for five people, driving a car, being able to offer the children activities etc. but it has been interesting to note where the differences lie and were the similarities are. What we have most definitely gained is a very different quality of life for the children via Sweden’s education system, their appreciation of the outdoors and how they include that in children’s lives and see it as important for them, and how children generally live their daily lives over here. That we can not put a price on 🙂

  5. Interesting how countries do things so differently. An affordable home and groceries are always the priorities.

  6. A great read – and the food looks amazing!! I’d eat out every day – kids, grab your coats lol
    Kira recently posted…Attipas Shoes | REVIEW & GIVEAWAYMy Profile

  7. It sounds like it balances out in the end. I pay £44 a month for swimming so its not cheap here. We are big meat eaters so something might have to give on that front
    Kara recently posted…Spending Half Term with Martinhal ResortsMy Profile

  8. Apart from the food which I know is pretty pricey especially meat I didn’t know the rest was comparable.
    Anosa recently posted…Prague Old Town Hall and Clock TowerMy Profile

  9. We found eating out in Copenhagen super expensive! But yeah good the utilities are similar or cheaper.
    Stephanie recently posted…Our weekend in pictures – Week 47 & VlogMy Profile

  10. For some reason I expected it to be more expensive.
    Debbie Nicholas recently posted…Top Tips for Alleviating Foot Pain from Standing All Day!My Profile

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