Accommodation

How to Find an Apartment in Germany: A Realistic Guide

Finding an apartment in German cities is genuinely hard. Here's a realistic guide covering where to search, the Bewerbungsmappe, and how to stand out...

10 min read
How to Find an Apartment in Germany: A Realistic Guide

Finding an apartment in Germany, especially in cities like Berlin, Munich, or Frankfurt, is genuinely one of the hardest parts of moving here. The demand is extreme, landlords receive hundreds of applications for a single listing, and the process has its own set of unwritten rules. This guide won't sugarcoat it, but it will give you the best possible strategy.

Understanding the Market

Germany's rental market is tight in major cities. Vacancy rates in Munich are below 1%. Berlin has improved slightly since rent controls were introduced, but competition is still fierce. Expect to spend 2-8 weeks searching, sometimes longer. Smaller cities (Leipzig, Dresden, Nuremberg) are significantly easier.

Rents are quoted as either Kaltmiete (cold rent, without utilities) or Warmmiete (warm rent, including heating and building costs). When comparing apartments, always check which one is listed. Your actual monthly cost is the Warmmiete plus electricity and internet, which you arrange separately.

  • ImmobilienScout24 - the biggest portal, essential for any apartment search. The paid "Premium" membership (around 30 EUR/month) is worth it since it lets you see listings before free users and shows you who viewed your profile
  • WG-Gesucht - the go-to for shared apartments (WGs), also has full apartments
  • eBay Kleinanzeigen (now Kleinanzeigen.de) - surprisingly good for private landlords who don't want to deal with agencies
  • Facebook groups - search for "[City Name] apartments" or "[City Name] WG". Be careful of scams

Warning: Never pay money before seeing an apartment in person. Scammers post fake listings with below-market rents and ask for deposits upfront. If the price seems too good to be true, it is.

The Bewerbungsmappe (Application Folder)

Shortcut: see our ranked picks for Best Liability & Household Insurance for Expats in Germany.

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German landlords expect a complete application package. Having this ready gives you a serious advantage:

  1. Cover letter - brief intro about yourself, your job, why you want this apartment. Keep it friendly and professional
  2. SCHUFA report - your credit report. Get it for free once per year at meineschufa.de, or pay 29.95 EUR for the instant online version. This is non-negotiable for most landlords
  3. Proof of income - last 3 payslips or employment contract. Landlords typically want your rent to be below 30-33% of your net income
  4. Copy of ID - passport or EU ID card
  5. Mietschuldenfreiheitsbescheinigung - a letter from your previous landlord confirming you paid rent on time. If you're new to Germany, a letter from your employer or previous landlord abroad works

Pro Tip: Prepare your Bewerbungsmappe as a single PDF file. When you attend a viewing, hand the landlord a printed copy AND email them the PDF on the spot. Being organized impresses German landlords more than anything else.

Viewing Tips

Group viewings (Massenbesichtigungen) are common in big cities. You might be one of 20-50 people touring a small apartment. Here's how to stand out:

  • Arrive early and dress presentably (business casual)
  • Bring your Bewerbungsmappe printed and ready
  • Be polite and friendly to the landlord or Hausverwaltung (property manager)
  • Ask genuine questions about the building, neighbors, heating costs
  • Follow up with an email the same day expressing interest

What to Budget

Beyond monthly rent, expect these upfront costs:

  • Deposit (Kaution) - maximum 3 months' Kaltmiete, usually 2-3 months. Must be returned when you move out (minus any damage)
  • Agency fee (Maklerprovision) - if a broker is involved, up to 2 months' Kaltmiete plus VAT. By law, whoever hired the broker pays. If you contacted the landlord directly, you shouldn't pay this
  • Kitchen - many German apartments come without a kitchen. Yes, seriously. Budget 2,000-5,000 EUR for a basic IKEA kitchen, or try to buy the previous tenant's kitchen (Abluse)

Tenant Rights

Germany has strong tenant protections. Once you have a lease, you're in a very secure position:

  • Rent increases are capped at 15-20% over 3 years in most cities
  • Eviction is extremely difficult for landlords without cause
  • Deposits must be held in a separate savings account
  • Repairs are the landlord's responsibility (except small repairs under 100 EUR)

Temporary Housing First

If you're moving from abroad, don't try to find a permanent apartment before arriving. It's nearly impossible remotely. Instead, book temporary housing for 1-2 months (furnished apartments on wunderflats.com or homelike.com) and search once you're on the ground. It costs more upfront but gives you time to find the right place without desperation.

Our picks

Best Liability & Household Insurance for Expats in Germany [2026]

A short, opinionated shortlist. Affiliate links pay for hosting, but nothing here is paid placement, and we only list services we’d use ourselves. See the full comparison →

Our pick

Getsafe

β˜…β˜…β˜…β˜…β˜† 4.3/5

App-based insurer for liability (Haftpflicht), household, legal, and more. Fully in English, cancel monthly.

  • 100% English app
  • Liability from ~€3/month
  • Monthly cancellation
  • App-only support
  • Newer insurer

wefox

β˜…β˜…β˜…Β½β˜† 3.8/5

Digital insurance platform offering liability and household cover in Germany, with advisor support and an app.

  • Digital + advisor support
  • Liability and household
  • Bundles policies
  • English is limited
  • Advisor-led sales

Feather Insurance

β˜…β˜…β˜…β˜…β˜† 4.4/5

Insurance broker for expats. Handles public and private health insurance in English.

  • 100% English service
  • Free consultation
  • Handles all paperwork
  • Broker (not direct insurer)
  • Limited to partner insurers

Feather (Liability)

β˜…β˜…β˜…β˜…β˜† 4.3/5

Feather's English liability and household policies, with paperwork handled for you.

  • 100% English
  • Guided sign-up
  • Bundles multiple policies
  • Broker, not direct insurer
  • Limited to partners

FRIDAY

β˜…β˜…β˜…Β½β˜† 3.8/5

Digital insurer for liability, car, and household. Simple online sign-up, pay-per-use car options.

  • Fully online
  • Pay-per-km car insurance
  • Monthly cancellation
  • Mostly German
  • Newer brand

HUK24

β˜…β˜…β˜…Β½β˜† 3.9/5

Germany's cheapest mainstream insurer for liability and household. German-only but hard to beat on price.

  • Very cheap
  • Huge insurer, trusted
  • Wide product range
  • German only
  • Dated interface

Affiliate disclosure: we may earn a commission through the links above at no extra cost to you. Learn more.

Heads up: some links in this article are partner links, so we may earn a small commission at no extra cost to you. This is general information, not financial or tax advice. Learn more.