Housing is the whole budget. Studierendenwerk Hamburg runs 25 residences with about 4,390 places from around €310 a month, but demand far outstrips supply — apply months ahead. On the private market a shared-flat room averages about €650, and studios near the campus run €900–1,200.
Realistically: €850–1,050 a month in subsidised housing, €1,100–1,400 in a normal shared flat, €1,550–2,100 living alone. Add roughly €145 a month for statutory student health insurance. Transport is one of Germany's best deals — the student semester ticket is €226.80, about €37.80 a month, and the Deutschlandticket at €63 covers regional transport nationwide.
On safety, the honest version: Hamburg recorded about 213,600 offences in 2025, down around 5%, but crime is not evenly spread — police data put 43.9% of robberies in St Pauli and St Georg, the nightlife and main-station districts. Bicycle and phone theft are the realistic student risks. Emergency numbers are 112, 110 for police and 116117 for urgent-but-not-emergency care (⚠️ that line is German-only).
Register your address within two weeks of moving in. No Wohnungsgeberbestätigung from your landlord means no Anmeldung, and that blocks your bank account and your residence permit.