Cost of Living in Andorra 2026: Rent, Salaries and Monthly Budget
Andorra can offer relatively low taxes, free national bus travel for eligible residents and free public education, but it is no longer a particularly cheap place to rent a home. For many people moving to Andorra in 2026, housing is the expense that determines whether a monthly budget feels comfortable or tight.
A single person renting alone should realistically plan for around €1,550 to €2,300 per month including rent. A couple may need roughly €2,600 to €3,300, while a family of four using public education may spend around €3,900 to €5,000 per month. Private childcare, international schooling, a large home or frequent dining out can push family costs significantly higher.
These figures are planning estimates rather than official household spending thresholds. Andorra is a small country, and crowdsourced consumer-price databases have relatively few contributors, so current government information, telecom tariffs, rental listings and market databases should be considered together rather than relying on a single source.
Cost of Living in Andorra at a Glance
| Expense | Typical 2026 Cost |
|---|---|
| Single person, excluding rent | About €650 to €1,050 per month |
| Single person, including rent | About €1,550 to €2,300 per month |
| Couple, including rent | About €2,600 to €3,300 per month |
| Family of four, including rent | About €3,900 to €5,000 per month with public schooling |
| 1-bedroom apartment in a central area | About €1,000 to €1,500 per month |
| 1-bedroom apartment outside a central area | About €800 to €1,100 per month |
| 3-bedroom apartment in a central area | About €1,700 to €3,000 per month |
| Basic utilities for an 85 m² apartment | About €50 to €160 per month |
| 300 Mbps home internet | €25 per month |
| Mobile plan | From about €8 to €48 per month |
| Inexpensive restaurant meal | About €15 |
| Resident national bus pass | Free for eligible legal residents |
| 2026 minimum wage | €1,568.67 per month from 1 July 2026 |
| Official 2026 average monthly salary reference | €2,672.52 |
Important: The monthly household estimates above include normal living expenses but not immigration investments, large one-off relocation costs, private international-school tuition or major discretionary spending.
How Much Does It Cost to Live in Andorra Per Month?
A single renter will generally need around €1,550 to €2,300 per month including housing. Someone sharing accommodation or finding an older apartment outside the most expensive areas may spend less, while a centrally located apartment and a more active lifestyle can easily push spending above this range.
Housing normally represents the largest part of the budget. Everyday costs such as groceries, internet and public transport are more manageable. Eligible residents can use Andorra’s national regular bus network with a government-subsidised free monthly pass, which can significantly reduce commuting costs.
For a single person, normal expenses before rent may fall around €650 to €1,050 per month depending on food habits, healthcare use, transport choices, entertainment and whether a car is maintained.
Housing and Rent in Andorra
Rent is currently the biggest affordability challenge for many new residents. Current consumer-price data for Andorra indicates that a one-bedroom apartment averages roughly €1,175 in a central area and about €881 outside a central area. A three-bedroom property averages around €2,250 centrally and €1,850 outside central areas.
Andorra la Vella is more expensive. Recent consumer-price estimates put a one-bedroom apartment at approximately €1,260 in the centre and €920 outside the centre, while a three-bedroom apartment is around €2,375 centrally and €1,833 outside the centre.
Why Andorra Rent Statistics Can Look Very Different
There is an important difference between the rents paid under existing contracts and the asking prices faced by someone looking for a home today.
The Andorran Government’s rental-contract register, SICAR, reported an average rent of approximately €13 per m² across about 4,300 registered contracts in November 2025. Current property listings can be substantially higher because they reflect homes available to rent now, including newer, premium and seasonal properties.
For a newcomer, current asking prices are therefore more useful for preparing a relocation budget than the average rent across all existing rental contracts.
Rent Differences by Parish
| Area | Recent Asking Rent Indicator | Practical Context |
|---|---|---|
| Escaldes-Engordany | Roughly €27 to €28 per m²/month | Among the most expensive markets, particularly for modern central apartments |
| Andorra la Vella | Roughly €25 to €26 per m²/month | High demand because of employment, shopping and services |
| Canillo | Roughly €23 per m²/month | Prices vary considerably because of ski and seasonal properties |
| Encamp | Roughly €22 to €24 per m²/month | Can offer better value than the central urban area |
| Sant Julià de Lòria | Roughly €20 per m²/month | Often cheaper on a price-per-square-metre basis |
These are property-portal asking-price indicators, not guaranteed rents. Andorra has a small housing market, and averages can change quickly when luxury or seasonal properties enter or leave the available inventory.
Upfront Costs When Renting
New residents should budget for considerably more than the first month’s rent. The Government’s practical newcomer guidance states that a rental guarantee or deposit can be up to two months of rent. When an estate agency is involved, agency fees may also be charged and are commonly around one month’s rent or a percentage.
This means someone renting a €1,200 apartment could potentially need several thousand euros in available cash at the beginning of the tenancy when the first month’s rent, deposit and possible agency fee are combined.
Groceries and Food Costs
A single person can reasonably budget around €250 to €350 per month for groceries if most meals are prepared at home. Couples may spend approximately €450 to €600, while a family of four may need roughly €750 to €950 depending on diet and shopping habits.
| Grocery Item | Typical Price |
|---|---|
| Milk, 1 litre | About €1.18 |
| White bread, 500 g | About €1.21 |
| Rice, 1 kg | About €1.86 |
| 12 eggs | About €2.54 |
| Chicken fillets, 1 kg | About €8.86 |
| Beef, 1 kg | About €12.11 |
| Apples, 1 kg | About €2.94 |
| Potatoes, 1 kg | About €1.79 |
| Tomatoes, 1 kg | About €3.08 |
| Bottled water, 1.5 litres | About €0.80 |
Many consumer goods and food products reach Andorra through Spain or France. Grocery spending can therefore vary according to brand choice, imported products and supermarket.
Restaurants and Eating Out
An inexpensive restaurant meal is around €15, while a three-course meal for two at a mid-range restaurant is typically around €45. Eating out regularly can therefore make a noticeable difference to the monthly budget.
| Dining Expense | Typical Cost |
|---|---|
| Inexpensive restaurant meal | About €15 |
| Three-course mid-range meal for two | About €45 |
| Fast-food combo meal | About €10 to €11 |
| Cappuccino | About €2 |
Utilities in Andorra
Basic household utilities for an approximately 85 m² apartment commonly fall around €50 to €160 per month, with an average close to €120 in current consumer-price data. This typically covers electricity, heating, cooling, water and waste-related costs.
Actual bills can vary significantly by property size, insulation and heating system. Winter is particularly important in Andorra because of its mountain climate. An older or poorly insulated home can cost more to heat than a modern energy-efficient apartment.
Internet and Mobile Costs
Andorra Telecom’s residential internet pricing makes broadband relatively predictable. Current home internet offers include approximately:
- 300 Mbps: €25 per month
- 700 Mbps: €35 per month
- 1 Gbps: €42 per month
IGI is included in these advertised prices. Optional router and enhanced Wi-Fi services can add to the bill.
Mobile contract plans currently start at approximately €8 per month for a small allowance. Higher plans include approximately €18, €28 and €48 options depending on data, calls and roaming allowances. Residents who frequently travel into Spain or France should check roaming conditions rather than assuming that an Andorran mobile plan follows European Union roaming rules.
Transportation Costs in Andorra
National public transport can be free for eligible Andorran residents. The Government subsidises the resident monthly pass at 100%, allowing free and unlimited travel on regular national bus lines. To qualify, the applicant must be Andorran or have legal, effective and permanent residence in the country.
This is an important correction to generic cost-of-living estimates that list a normal monthly bus expense for every resident. Tourists and people who do not qualify for the resident pass still pay the applicable fares.
| Transport Expense | Typical Cost |
|---|---|
| Eligible resident national bus pass | €0 |
| Regular monthly public transport price reference | About €30 |
| Single local transport ticket | About €1.90 |
| Taxi starting fare | About €2.65 |
| Taxi, 1 km | About €3 |
| Petrol, 1 litre | About €1.40 |
Do You Need a Car in Andorra?
A car is useful for people living away from major bus routes, travelling frequently to Spain or France, or visiting mountain areas. However, a car adds fuel, insurance, parking, maintenance and winter-equipment expenses.
Drivers should also budget for Andorra’s winter conditions. Special winter equipment is required during the winter period when road conditions demand it, and authorities advise carrying chains and appropriate equipment between November and May.
Healthcare Costs in Andorra
Healthcare in Andorra is not simply free at the point of use. The system is built around the Caixa Andorrana de Seguretat Social, or CASS, which reimburses eligible medical costs according to official responsibility tariffs and the care pathway followed.
Within the preferred pathway, current reimbursement levels generally include:
- 75% for medical consultations
- 75% for prescribed medical procedures, tests and products
- 90% for hospital admission
- 100% for healthcare associated with maternity
Coverage can fall considerably when patients go outside the preferred pathway. Providers must also have the appropriate CASS agreement for the normal reimbursement rules to apply.
Current CASS responsibility tariffs list approximately €22.04 for a general-practitioner consultation and €27.12 for a specialist consultation before the applicable reimbursement. These tariffs should not be confused with a guarantee that every medical bill will equal those amounts.
People who are not yet covered by CASS, or whose immigration category requires private insurance, need to include private coverage in their relocation budget.
Education and Childcare
Public education in Andorra is free, and families can choose among Andorran, French and Spanish public education systems. This makes schooling potentially much less expensive than generic expatriate budgets based entirely on private international education.
Parents should still budget for meals, supplies, activities, transport and other school-related expenses. Government study assistance is available to qualifying households and can cover items such as educational materials, meals and school transport.
Private childcare and international schooling are a very different expense. Current market estimates place full-day private preschool at roughly €500 to €800 per month per child. International primary-school tuition estimates are around €13,000 to €15,600 per year per child.
These private-school figures come from a small crowdsourced sample, so parents should obtain current fees directly from the school before making a relocation decision.
Salaries and Minimum Wage in Andorra
Andorra’s minimum wage is €1,568.67 per month from 1 July 2026. The hourly minimum increased to €9.05 as part of an extraordinary 2.8% adjustment introduced by the Government in response to rising living costs.
The official average monthly salary reference for 2026 is €2,672.52. This figure is based on the average monthly salary declared to CASS and is used for several social-security calculations.
| Salary Measure | 2026 Amount |
|---|---|
| Minimum hourly wage | €9.05 |
| Minimum monthly wage | €1,568.67 |
| Official average monthly salary reference | €2,672.52 |
What Salary Is Needed to Live Comfortably in Andorra?
A single person renting alone will generally have more financial breathing room with take-home income of around €2,200 to €2,500 per month. A lower income can work with cheaper housing, shared accommodation or a very controlled lifestyle.
The 2026 minimum wage is difficult to reconcile with many current open-market rents for someone living alone. Even before groceries and utilities, a typical one-bedroom apartment can consume a very large part of minimum-wage income.
For couples, combined take-home income around €3,000 or more gives more flexibility. A family of four may want household take-home income of roughly €4,300 or more if renting privately and using public schools. These are budgeting estimates rather than official salary recommendations.
Taxes and Social Security
Andorra’s relatively low tax rates can improve disposable income, but workers should still account for both income tax and social-security contributions.
The general personal income tax rate, IRPF, is 10%. However, the structure provides substantial relief at lower income levels. Net general income below €24,000 is exempt. Income between €24,001 and €40,000 receives a reduction that produces an effective 5% rate on the relevant range, while income above €40,000 is generally subject to the 10% rate.
Employees also contribute 6.5% of salary to CASS. Employers contribute an additional 15.5%, producing a combined social-security contribution of 22%.
Andorra’s general indirect tax, IGI, is 4.5%, although reduced, zero and increased rates apply to particular goods and services.
Realistic Monthly Budgets for Andorra
The following budgets are constructed from current rental, grocery, utility, telecom, transport and healthcare information. They are examples rather than official cost-of-living figures.
Budget-Conscious Single Person
This example assumes a small or older property outside the most expensive central locations, extensive use of the free resident bus network and limited restaurant spending.
| Expense | Estimated Monthly Cost |
|---|---|
| Rent | €850 |
| Utilities | €100 |
| Groceries | €280 |
| Transport | €20 |
| Internet and mobile | €43 |
| Healthcare and insurance allowance | €60 |
| Dining and leisure | €100 |
| Household and miscellaneous | €100 |
| Estimated Total | €1,553 |
Moderate Single Person
This example assumes a one-bedroom apartment in or near the central urban area, more leisure spending and occasional paid transport.
| Expense | Estimated Monthly Cost |
|---|---|
| Rent | €1,200 |
| Utilities | €120 |
| Groceries | €340 |
| Transport | €70 |
| Internet and mobile | €53 |
| Healthcare and insurance allowance | €80 |
| Dining and leisure | €250 |
| Household and miscellaneous | €150 |
| Estimated Total | €2,263 |
Couple
This example assumes a private apartment, moderate lifestyle and no children.
| Expense | Estimated Monthly Cost |
|---|---|
| Rent | €1,500 |
| Utilities | €140 |
| Groceries | €550 |
| Transport | €120 |
| Internet and mobile | €81 |
| Healthcare and insurance allowance | €140 |
| Dining and leisure | €300 |
| Household and miscellaneous | €200 |
| Estimated Total | €3,031 |
Family of Four
This example assumes two school-age children attending public school, a three-bedroom property outside the most expensive central locations and no full-time private childcare.
| Expense | Estimated Monthly Cost |
|---|---|
| Rent | €2,000 |
| Utilities | €160 |
| Groceries | €850 |
| Transport | €180 |
| Internet and mobile | €90 |
| Healthcare and insurance allowance | €220 |
| School meals, supplies and activities | €200 |
| Dining and leisure | €300 |
| Household and miscellaneous | €300 |
| Estimated Total | €4,300 |
A family paying for private preschool or international schooling could spend hundreds or more than €1,000 extra each month for each child, depending on the institution and service.
Costs New Residents Often Overlook
A relocation budget should include more than normal monthly spending. Common overlooked costs include:
- Up to two months of rent as a housing deposit
- Possible estate-agency fees
- Temporary accommodation while searching for a long-term property
- Private health insurance where required
- Winter tyres, snow chains and other winter car equipment
- Parking and vehicle maintenance
- School meals, materials and extracurricular activities
- Mobile roaming when travelling outside Andorra
- Furniture and household setup for an unfurnished property
- Immigration fees, deposits, investments or financial contributions depending on the residence route
Cost of Living in Andorra vs Spain and France
Andorra is currently somewhat more expensive overall than Spain but cheaper than France according to Numbeo’s 2026 country index.
| Country | 2026 Cost of Living Index | 2026 Rent Index |
|---|---|---|
| Andorra | 55.1 | 32.8 |
| Spain | 51.6 | 23.2 |
| France | 67.7 | 22.3 |
The rent figures are particularly revealing. Andorra’s overall consumer costs sit relatively close to Spain, but its rent index is considerably higher. France has higher general consumer prices, while Andorra’s housing market remains unusually expensive relative to its overall cost level.
These indexes are crowdsourced and should be treated as broad comparisons rather than precise household budgets.
Cost of Living vs Residency Financial Requirements
Normal living expenses and immigration financial requirements are completely different calculations. Having enough money to pay €2,000 or €3,000 of monthly expenses does not automatically mean a person meets Andorra’s residence requirements.
This distinction became especially important in 2026. Some older official documentation available online still refers to a €600,000 investment requirement for residence without lucrative activity. However, the Government announced on 11 March 2026 that new passive residents subject to the more restrictive sustainable-growth rules must make a minimum total investment of €1 million.
The Government also stated that new passive applicants must make a non-refundable contribution of €50,000 for the principal applicant and €12,000 for each dependent. Passive-residence places are also subject to annual immigration quotas.
Because Andorra changed immigration rules recently and older government forms may remain accessible online, applicants should verify the current requirements for their exact residence category with the Andorran immigration authorities before transferring money or purchasing property.
Is Andorra Affordable for Expats and New Residents?
Andorra can be financially attractive for people with a solid salary or independent income, but housing makes it difficult to describe the country as cheap.
Low personal income tax, a 4.5% general indirect tax, free resident national buses and free public schooling help reduce certain expenses. On the other hand, current open-market rents can absorb a large share of a normal salary.
A professional earning around or above the official average salary may be able to live comfortably with sensible housing choices. Someone earning the minimum wage will generally find it much harder to rent a typical one-bedroom apartment alone and may need shared accommodation, a lower-cost area or access to housing support.
Families can benefit considerably from public education, but larger homes remain expensive. Families requiring private childcare or international schooling need a substantially higher budget.
Conclusion
The cost of living in Andorra in 2026 is best understood as a combination of relatively manageable everyday expenses and a difficult housing market. A single renter should plan for roughly €1,550 to €2,300 per month, a couple around €2,600 to €3,300 and a family of four around €3,900 to €5,000 when using public education.
Housing is the main variable. New arrivals may face asking rents far above the average paid under older existing contracts. At the same time, eligible residents benefit from free national public transport, free public education, relatively low income taxes and CASS healthcare reimbursements.
Anyone considering relocation should therefore research the exact parish, current rental inventory, employment income and immigration route together. A comfortable monthly living budget does not replace the separate financial requirements attached to certain residence permits.
Sources and Methodology
This guide was reviewed on 2 September 2026. Government and public-authority sources were prioritised for wages, tax, social security, healthcare, transport, education, housing policy and immigration. Andorra Telecom was used for current telecommunications prices. Numbeo and current property listings were used as supplementary market indicators for consumer prices and rents.
Andorra is a small market. Crowdsourced datasets have relatively few contributors, and property portals may contain a high proportion of seasonal or premium accommodation. For this reason, figures are presented as estimates or ranges rather than absolute prices. Existing-contract rental statistics and current asking rents have also been distinguished because they measure different parts of the housing market.
- Govern d’Andorra, 2026 minimum wage information and July 2026 extraordinary increase
- Govern d’Andorra, official 2026 average monthly salary reference
- Govern d’Andorra, personal income tax and IGI guidance
- Govern d’Andorra, national public transport resident-pass information
- Govern d’Andorra, education systems and 2026 study assistance
- Govern d’Andorra, SICAR rental-contract statistics and housing information
- Govern d’Andorra, March 2026 immigration quota and passive-residence requirements
- CASS, healthcare reimbursement rules, medical tariffs and employee contribution rates
- Andorra Telecom, residential internet and mobile tariffs
- Numbeo, Andorra and Andorra la Vella consumer-price data, updated May 2026
- Idealista, current Andorran rental listings and parish-level asking-price indicators
Frequently Asked Questions
How much does it cost to live in Andorra per month?
A single person renting privately should realistically budget around €1,550 to €2,300 per month including rent. A couple may need approximately €2,600 to €3,300. A family of four using public education may need around €3,900 to €5,000. Housing choice is the biggest variable, and private childcare, international schooling or maintaining a car can increase these amounts considerably.
How much is rent in Andorra in 2026?
A one-bedroom apartment typically costs around €1,000 to €1,500 in a central area and roughly €800 to €1,100 outside the centre. Three-bedroom properties commonly range from about €1,700 to €3,000 centrally and €1,500 to €2,500 outside central areas. Current asking rents can be much higher than averages from existing older rental contracts.
Is Andorra expensive to live in?
Andorra is not among Europe’s most expensive countries for everyday consumer spending, but housing is expensive relative to local salaries. Numbeo’s 2026 index places Andorra slightly above Spain for overall living costs and below France, while Andorra’s rent index is higher than both. Low taxes, free resident buses and free public education help offset some of the housing burden.
What salary do you need to live comfortably in Andorra?
A single person renting alone will generally have more flexibility with take-home income around €2,200 to €2,500 per month. Couples may be more comfortable with combined take-home income of €3,000 or more. A family renting privately may need around €4,300 or more each month if using public schools. These are budgeting estimates, not official salary thresholds.
What is the minimum wage in Andorra in 2026?
The minimum wage increased on 1 July 2026 to €9.05 per hour, equivalent to €1,568.67 per month for the ordinary legal working schedule. The Government introduced the extraordinary 2.8% increase because of rising living costs. At current open-market rents, living alone on the minimum wage can be difficult without cheaper or shared accommodation.
Is healthcare free in Andorra?
No. Andorra mainly operates a reimbursement system through CASS rather than universally free care at the point of use. Within the preferred healthcare pathway, CASS generally reimburses 75% of medical consultations and prescribed services and 90% of hospitalisation according to responsibility tariffs. Certain maternity care and qualifying cases can receive 100% reimbursement.
Is public transport free in Andorra?
National regular bus travel is free for eligible residents using the Government’s resident monthly pass. The subsidy covers 100% of the pass and provides unlimited trips on regular national lines. Applicants must be Andorran or hold legal, effective and permanent residence. Tourists and people who do not meet the resident-pass requirements must pay the applicable public transport fares.
How much does a family of four need to live in Andorra?
A family of four renting privately and using public schools should consider a monthly budget of roughly €3,900 to €5,000. A realistic moderate example is around €4,300. Families paying for full-time private childcare or international education can spend substantially more because private preschool may cost hundreds of euros each month and international-school tuition can exceed €13,000 per year per child.
Are public schools free in Andorra?
Yes. Andorra has Andorran, French and Spanish public education systems, and public schooling is free. Families still need to budget for expenses such as school meals, supplies, activities and other personal costs. Private childcare and international education are separate options and can be expensive, so parents should obtain current fees directly from the institution they plan to use.
How much money is required for passive residency in Andorra in 2026?
The Government stated in March 2026 that new passive residents covered by the latest sustainable-growth rules must make a minimum total investment of €1 million, plus a non-refundable contribution of €50,000 for the principal applicant and €12,000 per dependent. Because some older official forms still show previous requirements, applicants should confirm the current rules for their exact residence category before investing.
