If you are searching for an apartment in Germany, you will encounter two terms repeatedly: Kaltmiete and Warmmiete. Understanding the difference between these is fundamental to knowing what you will actually pay each month. Many newcomers are surprised when the apartment they thought cost 800 euros actually costs 1,100 euros once all costs are added up.

This guide explains exactly what Kaltmiete and Warmmiete mean, what is included in each, and how to calculate your true monthly housing costs before signing a rental contract.

The basic difference

Kaltmiete translates literally to "cold rent." It is the base rent for the apartment itself, without any utilities or operating costs included. This is the amount that goes directly to the landlord for providing you with a place to live.

Warmmiete translates to "warm rent." It includes the Kaltmiete plus an estimated monthly payment for Nebenkosten (operating costs like heating, water, garbage collection, and building maintenance).

Here is a simple example: if an apartment has a Kaltmiete of 800 euros and Nebenkosten of 200 euros, the Warmmiete is 1,000 euros. This is what you actually transfer to your landlord each month.

The formula is straightforward:

Kaltmiete + Nebenkosten = Warmmiete

Why German listings show Kaltmiete

Most apartment listings in Germany display the Kaltmiete prominently, with Nebenkosten listed separately or in smaller text. This can confuse people from countries where rental prices always include basic utilities.

Landlords show Kaltmiete because it is the fixed, comparable price for the apartment. Nebenkosten vary based on consumption, building efficiency, and your personal habits. Two identical apartments in different buildings might have the same Kaltmiete but different Nebenkosten depending on the age of the heating system, insulation quality, and how well previous tenants used resources.

Listing sites like Immobilienscout24 and Immowelt often allow sorting by Kaltmiete or Warmmiete, but defaults usually show Kaltmiete. When searching, make sure you are comparing the right numbers.

For platforms that handle this more transparently, see our guide on finding apartments in Germany as a foreigner.

What is included in Kaltmiete

The Kaltmiete is purely the rent for the physical space. It covers your right to occupy the apartment for the rental period. Nothing else.

The landlord uses the Kaltmiete to cover their costs: mortgage payments, property maintenance, management fees, and profit. It does not include any utilities, services, or consumption-based costs.

When landlords discuss rent increases or when courts evaluate whether rent is fair according to the local Mietspiegel (rent index), they look at the Kaltmiete. Legal rent caps and maximum deposit calculations (three months' Kaltmiete) are also based on this figure.

What is included in Nebenkosten

Nebenkosten, sometimes called Betriebskosten (operating costs), cover the ongoing expenses of running the building. Typical inclusions are:

Heating costs (Heizkosten) for gas, oil, district heating, or whatever system warms the building. This is usually the largest component of Nebenkosten.

Water and sewage (Wasser und Abwasser) for both fresh water supply and wastewater processing.

Garbage collection (Müllabfuhr) for regular trash and recycling pickup.

Building insurance (Gebäudeversicherung) covering fire, water damage, and storms.

Property tax (Grundsteuer) levied by the municipality.

Common area maintenance including stairwell cleaning, elevator operation, garden upkeep, and Hausmeister (building superintendent) services.

For a complete breakdown of what can and cannot be included, see our detailed guide on the Nebenkostenabrechnung.

What is NOT included even in Warmmiete

Even when you pay the Warmmiete, additional costs remain your responsibility. Understanding these prevents budget surprises.

Electricity for your apartment is almost always a separate contract. You sign up with an electricity provider (Stromanbieter) and pay them directly. Budget 30 to 80 euros per month depending on apartment size and usage.

Internet and phone are separate contracts with telecommunications providers. Expect 20 to 50 euros per month for a decent internet connection.

Household insurance (Hausratversicherung) covering your personal belongings is optional but recommended. This costs around 5 to 15 euros per month.

Rundfunkbeitrag is the mandatory TV and radio license fee of 18.36 euros per month per household, regardless of whether you own a TV.

Personal liability insurance (Haftpflichtversicherung) is not required but is considered essential in Germany. It costs only a few euros per month and protects you if you accidentally damage someone else's property.

How to calculate your true monthly costs

When evaluating an apartment, calculate the full monthly expense to avoid surprises.

Start with the Warmmiete shown in the listing. This is your base housing cost paid to the landlord.

Add estimated electricity: typically 30 to 60 euros for a small apartment, 50 to 80 euros for larger ones.

Add internet: usually 25 to 45 euros depending on speed and provider.

Add Rundfunkbeitrag: 18.36 euros flat.

Add insurance if you do not already have it: around 15 euros combined for household and liability coverage.

For an apartment listed at 800 euros Kaltmiete with 200 euros Nebenkosten (1,000 euros Warmmiete), your actual monthly housing costs might look like this:

Cost	Amount
Warmmiete	1,000 euros
Electricity	50 euros
Internet	35 euros
Rundfunkbeitrag	18 euros
Insurance	15 euros
Total	1,118 euros

The apartment that appeared to cost 800 euros actually costs over 1,100 euros when you account for everything. This is why calculating true costs matters.

Red flags in Nebenkosten estimates

Some landlords intentionally underestimate Nebenkosten to make their listings appear cheaper. This practice is not technically illegal but is misleading. You end up paying the true costs anyway through the annual Nebenkostenabrechnung.

Watch for unusually low Nebenkosten relative to apartment size. A reasonable estimate is 2 to 4 euros per square meter. For a 70-square-meter apartment, expect Nebenkosten of roughly 140 to 280 euros monthly.

If a listing shows a 70-square-meter apartment with only 70 euros Nebenkosten, that estimate is almost certainly too low. You might save money initially but will face a large Nachzahlung (additional payment) when the actual costs are calculated at year end.

Buildings with old heating systems, poor insulation, or inefficient windows typically have higher heating costs. A beautifully renovated Altbau (old building) apartment might come with substantial heating bills if the thermal efficiency was not upgraded.

How Nebenkosten are calculated annually

The monthly Nebenkosten in your Warmmiete are prepayments (Vorauszahlung), not final amounts. Once a year, your landlord creates a Nebenkostenabrechnung that compares your prepayments to actual costs.

If you paid 200 euros monthly (2,400 euros for the year) but actual costs were 2,700 euros, you owe a Nachzahlung of 300 euros.

If actual costs were only 2,100 euros, you receive a Guthaben (credit) of 300 euros back.

Large discrepancies between prepayments and actual costs usually lead to adjusted prepayments for the following year. If you regularly owe Nachzahlung, expect your monthly Warmmiete to increase.

Nebenkosten and your rental contract

Your Mietvertrag (rental contract) should clearly state both the Kaltmiete and the Nebenkosten prepayment. It should also list which specific costs are included.

Some contracts specify a Pauschale (flat rate) instead of Vorauszahlung. With a Pauschale, you pay a fixed amount regardless of actual costs. This transfers the risk to the landlord. If costs rise, they absorb it. If costs fall, they keep the difference. There is no annual Nebenkostenabrechnung with a Pauschale arrangement.

Verify that your contract does not include costs that legally cannot be passed to tenants, such as property management fees or repairs beyond routine maintenance.

What counts toward the deposit calculation

The security deposit (Kaution) in Germany is capped at three months of Kaltmiete, not Warmmiete. This is defined in German law under paragraph 551 BGB.

For an apartment with 800 euros Kaltmiete and 200 euros Nebenkosten, the maximum deposit is 2,400 euros (3 x 800), not 3,000 euros (3 x 1,000).

This distinction matters because some landlords mistakenly or deliberately calculate deposits based on Warmmiete. Know your rights and pay only what is legally required. For complete details, see our guide on how the rental deposit works in Germany.

Regional differences in Nebenkosten

Nebenkosten vary significantly across Germany. Several factors influence costs in different regions.

East Germany generally has lower property taxes and some service costs than West Germany, though this gap is narrowing.

Major cities like Munich and Frankfurt tend to have higher service costs and property taxes than smaller towns.

Buildings in areas with district heating (Fernwärme) may have different heating cost structures than those with individual gas or oil systems.

Climate matters too. Apartments in colder regions of Germany (northern and eastern areas) typically have higher heating costs than those in milder southwestern regions.

When comparing apartments in different cities, look at the Nebenkosten figures carefully. A lower Kaltmiete does not necessarily mean lower total costs.

Quick reference table

Term	German	What it means	Example
Cold rent	Kaltmiete	Base rent only	800 euros
Additional costs	Nebenkosten	Operating costs estimate	200 euros
Warm rent	Warmmiete	Kaltmiete + Nebenkosten	1,000 euros
Electricity	Strom	Paid separately	50 euros
Internet	Internet	Paid separately	35 euros

Preparing your documents with costs in mind

When applying for apartments, landlords want to see that you can afford the Warmmiete plus other expenses. The standard requirement is that your net income should be at least three times the Warmmiete.

For an apartment with 1,000 euros Warmmiete, you need to show approximately 3,000 euros net monthly income. Bank statements, employment contracts, or proof of income should reflect this.

For complete information on what you need, see our guide on documents required to rent an apartment in Germany.

Summary

Kaltmiete is the base rent for the apartment. Warmmiete is the Kaltmiete plus estimated operating costs (Nebenkosten). Your actual monthly housing costs include the Warmmiete plus electricity, internet, and a few other items you pay separately.

When evaluating apartments, always calculate the true total cost. Be suspicious of unusually low Nebenkosten estimates. Understand that the monthly Nebenkosten is a prepayment that gets reconciled annually.

The difference between Kaltmiete and Warmmiete is not just a terminology issue. It directly affects your budget, your deposit, and your understanding of what an apartment truly costs.