Cost of Studying in the Netherlands in 2026: Tuition Fees, Living Expenses & Budget Guide
Complete Financial Planning Guide for International Students in the Netherlands
Feb 14, 2026
Is the Netherlands Expensive for International Students?
The Netherlands offers high-quality English-taught education, but students must plan finances carefully.
The total cost includes:
Tuition fees
Living expenses
Health insurance
Residence permit costs
Daily personal expenses
Understanding these components ensures smooth financial planning.
Tuition Fees in the Netherlands
Tuition depends on program and institution type.
Bachelor’s Programs
EUR 6,000 – 15,000 per year
Master’s Programs
EUR 8,000 – 20,000 per year
Technical and business programs may fall on the higher end.
Scholarships are available at select universities.
Cost of Living in the Netherlands
Estimated monthly living expenses:
EUR 900 – 1,500
Living costs vary by city.
Higher-Cost Cities
Amsterdam
Rotterdam
Utrecht
More Affordable Cities
Eindhoven
Groningen
Tilburg
Accommodation Costs
Housing is the largest expense.
Estimated monthly rent:
Student housing: EUR 400 – 800
Shared apartment: EUR 500 – 900
Private studio: EUR 800 – 1,400
Students are advised to search for accommodation early due to high demand.
Food & Transportation
Monthly food expenses:
EUR 200 – 300
Public transportation:
EUR 60 – 120 per month depending on city
The Netherlands has an efficient public transport system and is also bicycle-friendly.
Health Insurance
Health insurance is mandatory.
International students must:
Purchase Dutch basic health insurance if working
Or maintain approved private insurance
Proof of insurance is required for residence registration.
Financial Proof Requirement
Students must demonstrate sufficient funds for living expenses when applying for a residence permit.
The required financial amount is defined by Dutch immigration authorities and must be verified before application.
Financial proof may include:
Bank statements
Scholarship letters
Sponsor documentation
Can Students Work to Support Expenses?
International students can work:
Up to 16 hours per week during academic term
Full-time during summer months
Some students may require a work permit depending on nationality.
Average hourly wages:
EUR 10 – 15 per hour
Part-time work helps cover living expenses but should not replace financial preparation.
Estimated Annual Budget Example
Tuition: EUR 14,000
Living expenses: EUR 14,000
Insurance & miscellaneous: EUR 1,000
Estimated total: EUR 29,000 per year
Costs vary by city and lifestyle.
Final Thoughts
The Netherlands offers strong English-taught programs and global exposure.
While living costs can be moderate to high, careful budgeting and early planning make the Netherlands a manageable and rewarding study destination in 2026.