Skip to content
Estonia
🇪🇪 Estonia

Estonia

The whole move — visa, taxes, insurance, money and cost of living — in one place.

Visa & Residency
DNV
Comfortable solo budget
€4,500/mo
Stay
1 year
Taxes Abroad
Standard resident taxation

Living in Estonia

The visa is step one. Here is the rest of what it takes to live here — each researched and sourced.

Good to know

  • Highly digital, English-friendly process: the main portals (kv.ee, city24.ee) are available in English and many landlords and brokers operate online.
  • Strong statutory tenant protection under the Law of Obligations Act, including a legal cap on the deposit (three months' rent) and rules that cannot be set aside to the tenant's disadvantage by contract.
  • Single public payer (Tervisekassa) with a comprehensive benefits package; for the insured, family-doctor visits are free
  • Emergency care is provided to everyone regardless of insurance status; one EU-wide emergency number 112

Watch out for

  • Upfront cost is high: first month's rent plus a deposit plus (typically) a one-month broker fee can mean roughly three months' rent before move-in.
  • Always insist on a written agreement and confirm in advance that you may register the apartment as your residence address, as this is needed for permits and services.
  • A foreigner on a temporary basis of stay only gets public insurance if employed in Estonia with social tax paid for them; nomads without a local employer are not covered by default. Uninsured people have access only to emergency care and a few specified services (e.g. cancer screening, communicable-disease treatment)
  • Voluntary Tervisekassa insurance is expensive (about EUR 257.50/month, rising to EUR 272.00 from July 2026) and only starts one month after signing, so it does not cover an immediate need

Cost of living

Tallinn €1,300–€1,900/mo
Cost of living →

Qualifying insurance

Qualifying insurance →

From the blog

Similar countries