Authored by the expert who managed and guided the team behind the Belgium Property Pack
Everything you need to know before buying real estate is included in our Belgium Property Pack
Moving to Belgium offers access to a high standard of living, excellent healthcare, and strong job opportunities, particularly in Brussels and Antwerp.
Belgium provides modern infrastructure, comprehensive social benefits, and a strategic location in Europe, though it comes with high taxes and significant living costs that require careful financial planning.
If you want to go deeper, you can check our pack of documents related to the real estate market in Belgium, based on reliable facts and data, not opinions or rumors.
Belgium offers excellent quality of life with monthly expenses ranging from €1,565-€2,015 for singles and €4,075-€4,518 for families of four.
The country provides universal healthcare, strong job markets in major cities, and comprehensive social benefits, though high taxes (up to 50%) and language barriers outside Brussels may present challenges.
| Aspect | Cost/Details | Notes |
|---|---|---|
| Monthly Living Cost (Single) | €1,565 - €2,015 | Including rent in city center |
| Monthly Living Cost (Family of 4) | €4,075 - €4,518 | Including rent for 3-bedroom apartment |
| Average Professional Salary | €68,000 - €95,000 | Senior analyst/executive roles |
| Income Tax Rate | 25% - 50% | Progressive system |
| Healthcare Premium | 4.7% of gross salary | Plus €64 annual membership |
| Rent (1-bedroom city center) | €900 - €1,200 | Major cities |
| Public Transport Pass | €49 - €60 | Monthly unlimited |
What is the cost of living in Belgium compared to my current country?
Belgium ranks among the more expensive European destinations, with monthly living costs typically ranging from €1,565 to €2,015 for a single person including rent in city centers.
For families of four, monthly expenses reach €4,075 to €4,518, positioning Belgium as costlier than Portugal or Eastern European countries but generally cheaper than major cities like Paris or Berlin.
Rent represents the largest expense component, with 1-bedroom city center apartments costing €900-€1,200 monthly and 3-bedroom family apartments ranging from €1,500-€2,200.
Utilities including gas, electricity, water, and internet average €238-€350 monthly, while groceries cost approximately €235-€260 per person monthly as of September 2025.
It's something we develop in our Belgium property pack.
How much should I budget for rent, utilities, and groceries each month?
Your monthly budget for essential expenses should range from €1,373 to €1,810 as a single person, depending on your accommodation choice and location within Belgium.
Rent costs vary significantly by city and apartment size, with Brussels city center commanding €900-€1,200 for one bedroom, while Antwerp and Ghent offer slightly lower rates in the €800-€1,100 range.
Utilities including heating, electricity, water, and high-speed internet consistently cost €238-€350 monthly across Belgian cities, with minimal variation between regions.
Grocery expenses average €235-€260 monthly per person, with supermarket chains like Delhaize and Carrefour offering competitive pricing throughout the country.
Public transportation adds €49-€60 monthly for unlimited access to trains, trams, and buses, providing excellent connectivity between cities and neighborhoods.
What is the average salary for my profession in Belgium?
Senior research, investment, and real estate analyst positions in Belgium offer gross annual salaries ranging from €68,000 to €95,000, with Brussels commanding the highest compensation levels.
Experienced professionals with over 20 years in senior executive roles can earn €140,000+ annually, particularly in international consultancies and EU-related positions.
The Brussels-Antwerp axis provides the strongest job market for real estate and investment professionals, driven by economic growth and substantial foreign investment activity.
English-speaking roles are readily available in Brussels due to EU institutions and international companies, while Flemish or French language skills become more valuable in regional markets.
As of September 2025, demand remains robust for international real estate researchers with cross-border investment analysis experience.
How high are the taxes in Belgium, and what is the social security system like?
| Income Bracket | Tax Rate | Annual Income Range |
|---|---|---|
| First Bracket | 25% | Up to €16,320 |
| Second Bracket | 40% | €16,321 - €28,800 |
| Third Bracket | 45% | €28,801 - €49,840 |
| Fourth Bracket | 50% | Above €49,840 |
| Employee Social Security | 13.07% | Of gross salary |
| Employer Social Security | 25% | Of gross salary |
| Total Deductions (High Earner) | 63.07% | Income tax + social security |
What is the healthcare system like in Belgium?
Belgium operates a mandatory public health insurance system funded through salary deductions of 4.7% of gross income plus an annual membership fee of €64 in 2025.
Healthcare quality ranks among Europe's best, providing universal access for legal residents with patients typically paying 25-30% of direct medical costs out-of-pocket.
Optional private insurance costs €10-€70 monthly depending on coverage level, offering additional benefits like private rooms and shorter waiting times for non-urgent procedures.
Basic medical care remains highly subsidized, making routine doctor visits, prescriptions, and emergency services affordable for residents regardless of income level.
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What are the most popular cities to live in Belgium?
Brussels stands as Belgium's most international city, offering extensive job opportunities, widespread English usage, and rich cultural offerings, though it faces challenges with pollution and higher city center rents.
Antwerp attracts young professionals with its creative atmosphere, modern amenities, and affordable rental market, while experiencing traffic congestion and requiring Dutch for many administrative tasks.
Ghent provides a university town atmosphere with excellent walkability and safety, but faces high rental demand and Dutch language preferences for employment.
Leuven serves as an academic hub close to Brussels with a vibrant expat community, though it offers a smaller job market primarily focused on education and research.
Liège offers affordable living costs and diverse nightlife in the French-speaking region, but struggles with crowded city centers and housing shortages.
How easy is it to find a job in Belgium?
Job market conditions in Belgium vary significantly by region and language requirements, with Brussels and Antwerp offering the most opportunities for international professionals.
English-speaking positions are readily available in Brussels due to EU institutions, international consultancies, and multinational corporations, particularly in finance and real estate sectors.
Flanders region requires Dutch language skills for most positions outside Brussels, while Wallonia typically requires French proficiency for local employment opportunities.
The real estate and investment analysis sector shows strong demand as of September 2025, driven by foreign investment and economic growth in the Brussels-Antwerp corridor.
It's something we develop in our Belgium property pack.
What is the language barrier like in Belgium?
Belgium operates with three official languages: Dutch (Flemish) in Flanders, French in Wallonia, and German in a small eastern region, while Brussels functions as a bilingual French-Dutch city.
English serves as a working language in Brussels and Antwerp's international business environments, making these cities relatively accessible for English-speaking professionals.
Professional integration outside Brussels and Antwerp typically requires competency in Dutch or French, with many employers expecting local language skills for client-facing roles.
Belgium provides integration programs for newcomers including subsidized language courses and expat support centers in major cities.
We did some research and made this infographic to help you quickly compare rental yields of the major cities in Belgium versus those in neighboring countries. It provides a clear view of how this country positions itself as a real estate investment destination, which might interest you if you're planning to invest there.
How safe is Belgium in terms of crime, traffic, and natural disasters?
Belgium maintains overall excellent safety levels with low violent crime rates, though urban areas experience occasional pickpocketing and bicycle theft targeting tourists and residents.
Traffic congestion represents the primary daily safety concern, particularly in Brussels and Antwerp during peak hours, though public transportation provides reliable alternatives.
Natural disaster risk remains minimal in Belgium, with no major seismic activity, flooding, or extreme weather events recorded in recent years.
Public transportation systems operate with high safety standards, featuring well-lit stations, regular security patrols, and emergency communication systems throughout the network.
What are the public transportation options?
Belgium operates an integrated public transportation system combining trains, trams, buses, and metro services with monthly unlimited passes costing €49-€60 across the country.
The national railway network connects all major cities efficiently, with Brussels-Antwerp taking 45 minutes and Brussels-Ghent requiring 35 minutes by train.
Urban transportation in Brussels includes metro, trams, and buses operated by STIB, while Antwerp and Ghent rely primarily on tram and bus networks with excellent coverage.
Reliability rates exceed 95% for scheduled services, with real-time tracking available through mobile applications and digital displays at stations.
How is the quality of life in Belgium?
Belgium consistently ranks among Europe's top countries for quality of life, offering excellent educational systems, modern infrastructure, and comprehensive social services for residents.
The education system provides high-quality public schools and internationally recognized universities, with many programs available in English, particularly in Brussels and Leuven.
Infrastructure quality includes reliable electricity, high-speed internet coverage, efficient waste management, and well-maintained road networks connecting urban and rural areas.
Social services encompass unemployment benefits, family allowances, housing assistance, and extensive healthcare coverage creating a robust safety net for residents.
It's something we develop in our Belgium property pack.
What is the process for obtaining a residence permit and work visa?
EU citizens require only simple registration with their local commune to receive a residence card, making Belgium highly accessible for European professionals.
Non-EU citizens must secure a job offer first, with employers typically sponsoring work permits through a process taking 2-3 months for completion.
Self-employed and business visas are available for entrepreneurs, requiring comprehensive documentation including business plans, financial statements, and proof of adequate funding.
Supporting documentation must include criminal background checks, medical certificates, proof of accommodation, and evidence of financial means to support residence.
How welcoming is Belgium to immigrants?
Belgium demonstrates strong support for immigrants, particularly in major cities where established expat communities and integration services facilitate newcomer settlement.
Social integration offices operate in Brussels, Antwerp, Ghent, and other cities, providing language courses, cultural orientation, and administrative assistance for new residents.
International communities thrive in Belgium, with numerous expat groups, cultural associations, and networking organizations supporting professional and social integration.
Government integration programs include subsidized Dutch and French language courses, civic education classes, and employment assistance for qualified immigrants.
Conclusion
This article is for informational purposes only and should not be considered financial advice. Readers are advised to consult with a qualified professional before making any investment decisions. We do not assume any liability for actions taken based on the information provided.
Belgium offers excellent opportunities for international professionals seeking high quality of life, particularly in Brussels and Antwerp where English-speaking environments and strong job markets create favorable conditions for relocation.
The main considerations involve high tax rates reaching 50% for higher earners, significant living costs averaging €1,565-€2,015 monthly for singles, and language barriers outside major international business centers.
Sources
- Numbeo Belgium Cost of Living
- Pacific Prime Belgium Living Costs
- Propelld Belgium Cost Guide
- World Salaries Belgium Research Executive
- PWC Belgium Tax Summary
- Expatica Belgium Health Insurance
- Parakar Belgium Social Security 2025
- Housing Anywhere Belgium Best Cities
- Pacific Prime Best Places Belgium
- MoverDB Belgium Places to Live