Updated 25 October 2026
Quick answer: In Luxembourg in 2026, the minimum wage is €2,771/month (about $3,102 a month full time); an average earner keeps 68% of their pay after income tax and social security; mortgage rates are about 3.63%; household electricity costs €0.202 per kWh; petrol is €1.79/L, up 22.7% since February. The table below puts 7 everyday money measures for Luxembourg 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.
Against the other countries in our data, Luxembourg stands out here: its state pension (as a share of pay), 87.7% of net pay, is the 7th highest of 50 countries. It sits nearer the middle for mortgage rate.
Luxembourg at a Glance
| Measure | Luxembourg | Rank |
|---|---|---|
| Minimum wage | €2,771/month (≈ $3,102/month) | Highest of 38 |
| Tax on an average wage | 32% (keeps 68%) | 8th highest of 38 |
| Mortgage rate | 3.63% (new home loans, August 2026) | 15th highest of 31 |
| Electricity (household) | €0.202/kWh (≈ $0.23) | 10th lowest of 33 |
| Petrol price | €1.79/L (+22.7% since Feb) | 10th lowest of 29 |
| Pension (share of pay) | 87.7% of net pay | 7th highest of 50 |
| Bank deposit protection | €100,000 per person, per bank | — |
Rank compares Luxembourg with the other countries in each dataset; "highest" means the largest value. "—" means the measure isn't ranked.
Minimum Wage in Luxembourg (2026)
The legal minimum wage in Luxembourg is €2,771/month. For a month of full-time work that is about $3,102 at current exchange rates, the highest of 38 countries we compare in our comparison.
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Income Tax and Take-Home Pay in Luxembourg
A single worker on the average wage in Luxembourg (about $93,000 at purchasing-power parity) pays 32% of gross pay in income tax and employee social security, so they keep 68%. That is 8th highest of 38 countries, against an OECD average of 25.1%.
Income tax and employee social security take 32.0% of pay at the average wage, 23.1% at two-thirds of it and 39.1% at 1.67 times it. Including employer contributions, the total tax wedge is 40.2% of labour costs.
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Mortgage Rates in Luxembourg (2026)
The typical mortgage rate in Luxembourg is 3.63% (new home loans, August 2026), 15th highest of 31 countries; the euro area average is 3.6%.
Up 0.17 points since February 2026 (3.46%). Monthly payment per €100,000 over 25 years: €508.
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Electricity Prices in Luxembourg
Households in Luxembourg pay about €0.202 per kWh of electricity (about $0.23), 10th cheapest of 33 countries; the EU average is €0.283. Change: −24.1% vs late 2025.
Household gas: €0.086 per kWh. Typical household using 2,500–5,000 kWh a year, all taxes included, January–June 2026.
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Petrol Prices in Luxembourg Since the Iran War
Petrol in Luxembourg costs €1.79/L (week of 19 October 2026), up 22.7% from €1.46/L in the week before the Iran war began. It peaked at €1.89/L (28 Sep). At about $2.00 a litre it is 10th cheapest of 29 countries, and the rise is 12th smallest of 29 countries.
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How Much the State Pension Pays in Luxembourg
A full-career average earner in Luxembourg can expect a mandatory pension worth about 87.7% of their previous net pay, 7th most generous of 50 countries (OECD average 63.2%). Low earner (half the average wage): 97%. High earner (twice the average): 79%.
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How Much of Your Money Is Protected in Luxembourg
Bank deposits in Luxembourg 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.
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Luxembourg vs Belgium, France and Ireland
The same measures for Luxembourg and its nearest neighbours in our data, side by side.
| Measure | Luxembourg | Belgium | France | Ireland |
|---|---|---|---|---|
| Minimum wage | €2,771/month (≈ $3,102/month) | €2,234/month (≈ $2,501/month) | €1,867/month (≈ $2,090/month) | €2,391/month (≈ $2,676/month) |
| Tax on an average wage | 32% (keeps 68%) | 39.5% (keeps 60%) | 28% (keeps 72%) | 25.1% (keeps 75%) |
| Mortgage rate | 3.63% (new home loans, August 2026) | 3.7% (new home loans, August 2026) | 3.2% (new home loans, August 2026) | 3.52% (new home loans, August 2026) |
| Electricity (household) | €0.202/kWh (≈ $0.23) | €0.357/kWh (≈ $0.40) | €0.248/kWh (≈ $0.28) | €0.387/kWh (≈ $0.43) |
| Petrol price | €1.79/L (+22.7% since Feb) | €1.99/L (+32.2% since Feb) | €2.23/L (+30.4% since Feb) | €1.97/L (+13.3% since Feb) |
| Pension (share of pay) | 87.7% of net pay | 61.1% of net pay | 70% of net pay | 33.7% of net pay |
| Bank deposit protection | €100,000 per person, per bank | €100,000 per person, per bank | €100,000 per person, per bank | €100,000 per person, per bank |
Compare Luxembourg With Other Countries
See every country side by side in Compare Countries 2026: Wages, Tax, Mortgages and Pensions, or compare Luxembourg with nearby countries in our data: Belgium, France, Ireland, the Netherlands, the United Kingdom and Germany.
Related Guides
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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