Townleap

Cost of Living: Funchal vs Stuttgart (2026)

Portugal vs Germany — relocation comparison

Your passport:
Funchal
Stuttgart
$1,568/mo
Rent

1BR centre

$1,157/mo
−$7k/yr
Take-home savings

At each city's local median pay

$17k/yr
5 yr
PR path
5 yr
Freelance setup
Trabalhador Independente
  • VAT-free under €15k
  • 21.4% social
  • €900/yr accountant
WiseStripe
Freiberufler
  • VAT-free under €25k
  • €1200/yr accountant
WiseStripe

Sourced from Numbeo · Updated June 2026

TL;DRStuttgart is 26% cheaper on rent ($1,157/mo vs $1,568/mo). Funchal has milder winters (55°F vs 32°F lows). Both countries will let you complain about the government in public — and mean it.
Stuttgart scores 85 to Funchal's 73 on livability — the gap is real. Funchal has its charms, but the numbers favor Stuttgart.
How the livability score breaks down
Funchal
Stuttgart
13.8/25
💰 Affordability
17.7/25
14.3/15
🔒 Violent Crime
14.7/15
8/10
🛡️ Perceived Safety
6.6/10
5.3/15
Internet
15/15
12.1/15
🗳️ Democracy
13.1/15
8.7/10
🗣️ English
8.8/10
9.5/10
☀️ Climate
9.7/10
7.6/10
📊 Stability
7.7/10
7.5/10
🚗 Road Safety
9.8/10
8.5/10
🕊️ Geopolitical Safety
7.9/10
Household
Funchal
Metric
Stuttgart
$487/mo
🛒
Living costs (no rent)
lower is better
$829/mo
$7,039
🧳
Cost to land
lower is better
85 / 100
🛡️
Settler safety
higher is better
88 / 100
0.7 / 100k
🔒
Homicides
lower is better
0.3 / 100k
7.2 / 100k
🚗
Road deaths
lower is better
3.3 / 100k
80 / 100
🚨
Safety Index
higher is better
66 / 100
75°F
☀️
Summer high
personal taste
75°F
55°F
❄️
Winter low
personal taste
32°F
Internet speed
higher is better
224 Mbps
4.9 μg/m³
🌬️
Air quality (PM2.5)
lower is better
9.2 μg/m³
84 / 100
🏥
Healthcare
higher is better
85 / 100
8.1 / 10
🗳️
Democracy
higher is better
8.7 / 10
6.7 / 9
🤝
Migrant acceptance
higher is better
7.1 / 9
67 / 100
🏳️‍🌈
Rainbow Index
higher is better
66 / 100
72/100
🗣️
Street English
higher is better
73/100
$52k
💼
GDP per capita (PPP)
higher is better
$74k
2.4% · Boringly steady
📈
Inflation
lower is better
2.3% · Boringly steady
Grid reliability
higher is better
98/100 — Reliable
96/100
🗽
Freedom House
higher is better
95/100
A median Software Engineer in Funchal takes home $2,624/mo under Standard employee. In Stuttgart: $4,519/mo under Standard employee.
$1,895/mo more in Stuttgart
Each city pays its own median — Software Engineer gross via Levels.fyi / Eurostat. Moving changes your salary too; that's the point.
$50k
💰
Gross income
$95k
−$13k
🏛️
Income tax
Standard employee
−$22k
−$6k
🛡️
Social contributions
−$18k
$31k/yr
$3k/mo
💵
Take-home pay
$54k/yr
$5k/mo
−$39k
🏠
Cost of living
−$38k
−$7k/yr
🐖
Annual savings
$17k/yr
Swap the local medians for your actual number

Sources: Numbeo · UNODC · Ookla · WHO · EIU · Gallup · World Bank · Freedom House · Updated June 2026

💰
Cost of Living
Stuttgart
$411/mo cheaper on rent alone
🔒
Safety
Stuttgart
0.3 homicides per 100k
🗳️
Democracy
Stuttgart
8.7/10 EIU index

Sun

How much sky you actually get

45% clear
Win
Spr
Sum
Fall
Sky clear
avg daytime
37% clear
Win
Spr
Sum
Fall
10.0h
Shortest day
Dec
8.3h
14.3h
Longest day
Jun
16.1h

Sun clocks out early in Stuttgart's winter. Plan accordingly.

Source: WeatherSpark (clear-sky share of daytime hours)

Settler Essentials

Democracy trend
declining
Inflation trend
Moderate
🇺🇸 Your visa
Moderate
Easy
EU visa
Easy
Complex
RU visa
Complex
Moderate
UA visa
Moderate
Partner can work immediately
Spouse works
Recognized (2+ yr)
união de facto
Partner pathway
Not recognized
eingetragene Lebenspartnerschaft (now: Ehe)
920/mo
Retiree visa

Visa stamps:Easy <90 daysModerate 3–6 moComplex 6+ mo

Sources: EIU · Freedom House · Startup Genome · official immigration portals

Reproductive Rights

Because your body shouldn't need a visa too

On request
Abortion access
On request
10 wk
Gestational limit
12 wk

On request up to 10 weeks since 2007 referendum. Mandatory 3-day reflection period.

Not punishable within 12 weeks with mandatory counseling and 3-day waiting period.

Source: Center for Reproductive Rights

LGBTQ+ Rights

Can you hold hands without doing a risk assessment first

Legal
Marriage
Legal
Joint adoption
Adoption
Joint adoption
Yes
Job protection
Yes
Yes
Hate crime law
Yes

Funchal vs Stuttgart — Common Questions

Is Funchal cheaper than Stuttgart?

Stuttgart is cheaper. A 1-bedroom apartment in city centre costs around $1157/month there vs $1568/month in the other city (Numbeo data).

Which is safer, Funchal or Stuttgart?

Stuttgart is statistically safer based on UNODC homicide data. Funchal has a rate of 0.72 per 100,000 and Stuttgart has 0.33 per 100,000.

Should I move to Funchal or Stuttgart?

Stuttgart scores 85 to Funchal's 73 on livability — the gap is real. Funchal has its charms, but the numbers favor Stuttgart. See the full comparison above for rent, safety, internet speed, climate, and democracy scores to decide which city fits your priorities.

Is it easier to get residency in Funchal or Stuttgart?

Funchal: Portugal Digital Nomad Visa (moderate requirements, 2 years (renewable for 3-year periods)). Stuttgart: no specific remote work visa. See each city's profile page for full requirements.

What's the cost of rent in Funchal vs Stuttgart?

A 1-bedroom in the centre: $1157/month in Stuttgart, $1568/month in Funchal (Numbeo). That's 26% cheaper rent in Stuttgart.

Is Funchal or Stuttgart better for democracy and rule of law?

Stuttgart scores 8.7/10 on the EIU Democracy Index vs 8.1/10 for Funchal. That puts it in 'full democracy' territory — free press, independent courts, the works.

Plot twist: other matchups exist

Maybe the real city was the comparisons we made along the way.

Let the algorithm judge you

2 min quiz — surprisingly accurate

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