Relocation
Move to Germany: Work, Housing, and First 30 Days
A practical sequence from visa prep to address registration, payroll setup, and housing stability.
Reading time: 14 minutes
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Monthly cost of living
Germany at a glance
€55,000/yr
Avg salary
€1,900/mo
Cost of living
14% to 45%
Income tax
5 years (reduced from 8 in June 2024; 3-year fast-track rescinded Oct 2025)
Citizenship
Key takeaways
- Collect apostilled core documents before travel
- Book registration and banking steps in the first two weeks
- Treat housing verification as a fraud-prevention process
- Use official portals only for visa and permit status
Before you leave: documents and visa
Start by collecting your passport, degree certificates (apostilled), employment contract, and proof of health insurance. If you need a work visa, your employer typically initiates the process through the local Ausländerbehörde (foreigners' office). EU/EEA citizens don't need a visa but must register within 3 months. Non-EU citizens should apply at the German embassy in their home country — processing takes 4–12 weeks depending on the consulate. Keep digital and physical copies of everything.
Week 1: Anmeldung (address registration)
Within 14 days of moving into your apartment, you must register your address at the local Bürgeramt (citizens' office). You'll need your passport, rental contract, and a Wohnungsgeberbestätigung (landlord confirmation form). Book your appointment online as soon as you have a confirmed address — slots fill up fast in Berlin, Munich, and Frankfurt. The Anmeldung gives you your tax ID (Steuer-ID), which your employer needs for payroll.
Week 1–2: Bank account and health insurance
Open a German bank account — you'll need it for salary, rent, and utilities. N26, ING, and Commerzbank are popular with expats. Some require the Anmeldung first. Health insurance is mandatory: if your employer pays above the threshold (€69,300 gross in 2025), you can opt for private insurance. Otherwise, you'll be enrolled in public insurance (TK, AOK, Barmer). Your employer handles enrollment but you choose the provider.
Housing: finding and verifying apartments
The German rental market is competitive, especially in major cities. Use ImmobilienScout24, WG-Gesucht, and eBay Kleinanzeigen. Red flags: anyone asking for deposits before viewing, landlords who are 'abroad', or listings with prices far below market rate. Always visit in person or via video call. Prepare a Bewerbungsmappe (application folder) with your Schufa credit report, employment contract, last 3 payslips, and a copy of your ID. Expect to pay 2–3 months' rent as a deposit (Kaution), which must be held in a separate account by law.
First 30 days: settling in
Register for a mobile plan (Telekom, O2, Vodafone), set up internet (takes 2–4 weeks for installation), and get a transport pass (Deutschlandticket at €49/month covers all local and regional transport). If you have children, start school enrollment immediately — contact the local Schulamt. Register at the Finanzamt for your tax class assignment. Join local expat groups (Internations, Facebook groups for your city) for practical tips and social connections.