Updated 25 October 2026
Quick answer: In Estonia in 2026, the minimum wage is €946/month (about $1,059 a month full time); an average earner keeps 77% of their pay after income tax and social security; mortgage rates are about 4.27%; household electricity costs €0.212 per kWh; petrol is €1.95/L, up 34.5% since February. The table below puts 7 everyday money measures for Estonia side by side and ranks each one against the other countries in our data, using official figures from national statistics offices, central banks, the OECD and Eurostat.
Most comparisons of Estonia look at one number at a time. This page gathers the figures that matter for working, buying a home, paying bills and retiring in Estonia, so you can see them together and see how Estonia compares. Each section links to our full guide for that topic, which covers every country and lists the original sources, and each dataset can be downloaded free.
Estonia at a Glance
| Measure | Estonia | Rank |
|---|---|---|
| Minimum wage | €946/month (≈ $1,059/month) | 16th lowest of 38 |
| Tax on an average wage | 23.2% (keeps 77%) | 13th lowest of 38 |
| Mortgage rate | 4.27% (new home loans, August 2026) | 9th highest of 31 |
| Electricity (household) | €0.212/kWh (≈ $0.24) | 13th lowest of 33 |
| Petrol price | €1.95/L (+34.5% since Feb) | 12th highest of 29 |
| Pension (share of pay) | 37.8% of net pay | 4th lowest of 50 |
| Bank deposit protection | €100,000 per person, per bank | — |
Rank compares Estonia with the other countries in each dataset; "highest" means the largest value. "—" means the measure isn't ranked.
Minimum Wage in Estonia (2026)
The legal minimum wage in Estonia is €946/month. For a month of full-time work that is about $1,059 at current exchange rates, 16th lowest of 38 countries in our comparison.
Full table for every country, with sources: Minimum Wage by Country 2026: Hourly and Monthly Rates in US Dollars. Download the data (CSV).
Income Tax and Take-Home Pay in Estonia
A single worker on the average wage in Estonia (about $43,000 at purchasing-power parity) pays 23.2% of gross pay in income tax and employee social security, so they keep 77%. That is 13th lowest of 38 countries, against an OECD average of 25.1%.
Income tax and employee social security take 23.2% of pay at the average wage, 15.7% at two-thirds of it and 23.2% at 1.67 times it. Including employer contributions, the total tax wedge is 42.6% of labour costs.
Full table for every country, with sources: Income Tax by Country 2026: How Much of Your Salary You Keep in 38 Countries. Download the data (CSV).
Mortgage Rates in Estonia (2026)
The typical mortgage rate in Estonia is 4.27% (new home loans, August 2026), 9th highest of 31 countries; the euro area average is 3.6%.
Up 0.48 points since February 2026 (3.79%). Monthly payment per €100,000 over 25 years: €543.
Full table for every country, with sources: Mortgage Rates by Country 2026: Where Buying a Home Costs the Most. Download the data (CSV).
Electricity Prices in Estonia
Households in Estonia pay about €0.212 per kWh of electricity (about $0.24), 13th cheapest of 33 countries; the EU average is €0.283. Change: −8.0% vs late 2025.
Household gas: €0.080 per kWh. Typical household using 2,500–5,000 kWh a year, all taxes included, January–June 2026.
Full table for every country, with sources: Electricity Prices by Country 2026: What Households Pay per kWh, and What the Iran War Means for Bills. Download the data (CSV).
Petrol Prices in Estonia Since the Iran War
Petrol in Estonia costs €1.95/L (week of 19 October 2026), up 34.5% from €1.45/L in the week before the Iran war began. It peaked at €1.95/L (19 Oct). At about $2.19 a litre it is 12th most expensive of 29 countries, and the rise is 5th largest of 29 countries.
Full table for every country, with sources: Petrol Prices Since the Iran War: How Much They Have Risen in 35 Countries. Download the data (CSV).
How Much the State Pension Pays in Estonia
A full-career average earner in Estonia can expect a mandatory pension worth about 37.8% of their previous net pay, 4th least generous of 50 countries (OECD average 63.2%). Low earner (half the average wage): 56%. High earner (twice the average): 24%. Including common voluntary private pensions, an average earner would get 63%.
Full table for every country, with sources: State Pension Amounts by Country 2026: How Much Retirees Actually Get. Download the data (CSV).
How Much of Your Money Is Protected in Estonia
Bank deposits in Estonia are protected up to €100,000 per depositor, per bank (about $111,900), the limit set by EU law for every member state. Harmonised by EU law; local-currency equivalent outside the euro. Money in payment apps and e-money wallets is usually not covered.
Full table for every country, with sources: Deposit Insurance Limits by Country 2026: How Much of Your Money Is Protected. Download the data (CSV).
Frequently Asked Questions
What is the minimum wage in Estonia in 2026?
The minimum wage in Estonia is €946/month, about $1,059 a month for full-time work. That is 16th lowest of 38 countries.
How much tax do you pay in Estonia?
On the average wage, income tax plus employee social security in Estonia take 23.2% of gross pay, so a single worker keeps 77% (OECD average: 25.1%).
What are mortgage rates in Estonia right now?
Mortgage rates in Estonia are about 4.27% (new home loans, August 2026). Up 0.48 points since February 2026 (3.79%). Monthly payment per €100,000 over 25 years: €543.
How much does electricity cost in Estonia?
Household electricity in Estonia costs about €0.212 per kWh (about $0.24), 13th cheapest of 33 countries.
How much has petrol gone up in Estonia?
Petrol in Estonia has risen 34.5% since February 2026, from €1.45/L to €1.95/L.
How much is the state pension in Estonia?
In Estonia, mandatory pensions replace about 37.8% of an average earner's net pay after a full career, against an OECD average of 63.2%.
How much money is insured in a bank in Estonia?
Deposits in Estonia are insured up to €100,000 per person, per bank.
Compare Estonia With Other Countries
See every country side by side in Compare Countries 2026: Minimum Wage, Tax, Mortgage Rates, Energy and Pension Age in 35 Countries, or open a country page: Australia, Austria, Belgium, Brazil, Canada, China, Czechia, Denmark, Finland, France, Germany, Greece, India, Ireland, Italy, Japan, Latvia, Lithuania, Luxembourg, Mexico, the Netherlands, New Zealand, Norway, Poland, Portugal, Slovakia, Slovenia, South Africa, South Korea, Spain, Sweden, Switzerland, the United Kingdom, the United States.
Related Guides
- Minimum Wage by Country 2026: Hourly and Monthly Rates in US Dollars
- Income Tax by Country 2026: How Much of Your Salary You Keep in 38 Countries
- Mortgage Rates by Country 2026: Where Buying a Home Costs the Most
- Electricity Prices by Country 2026: What Households Pay per kWh, and What the Iran War Means for Bills
- Petrol Prices Since the Iran War: How Much They Have Risen in 35 Countries
- State Pension Amounts by Country 2026: How Much Retirees Actually Get
- Deposit Insurance Limits by Country 2026: How Much of Your Money Is Protected
- How Much Emergency Fund Do You Need? (With Calculator)
Figures checked against the official sources listed in each linked guide in October 2026. Exchange-rate conversions are approximate. This page is for information and isn't financial or legal advice.
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