Shared accommodation in Luxembourg: advantages and drawbacks
Shared accommodation in Luxembourg can reduce your rent by 40 to 60 per cent, in a market where the average rent in Luxembourg City is €1,943 per month. Since the law of 23 July 2024, there has been a specific legal framework governing the types of tenancy agreements and the joint liability clause. Home insurance is not legally compulsory, but is strongly recommended and often required by the landlord. The exact terms depend on the signed contract.
↓ Shared accommodation in Luxembourg
↓ What are the pros and cons of shared accommodation?
↓ Finding shared accommodation in Luxembourg: platforms and agencies
↓ Shared accommodation, coliving or renting a room: what’s the difference?
↓ What home insurance for shared accommodation in Luxembourg?
↓ FAQ — Shared accommodation in Luxembourg
Due to the high property prices in the Grand Duchy, shared accommodation is an increasingly accessible solution. The average rent for an apartment in Luxembourg is around €1,800, and €1,943 in Luxembourg City (source: Ministry of Housing — Housing Observatory, asking prices for 2025).
Shared accommodation means renting the same property to several unrelated individuals who share common areas (kitchen, living room, bathroom) while each having their own private bedroom. It differs from subletting, where a main tenant re-lets part of their property to a third party. Shared accommodation often allows access to a larger living space, sometimes with a garden or terrace.
Since the law of 23 July 2024 (Mémorial A No. 311), Luxembourg officially recognises shared accommodation as a form of tenancy in its own right. This law introduced several key provisions, including:
- Specific shared tenancy agreement: it can be concluded between the landlord and several co-tenants jointly, or between the landlord and each tenant individually for their private room.
- Inventory of fixtures: a check-in and check-out inventory is mandatory for each tenant.
In practice, this law is not always applied consistently, and it is advisable to carefully review the lease agreement and its obligations.
Living in shared accommodation requires compromise. You may need to adapt to the habits of your flatmates: different schedules, lifestyles, or disagreements over cleaning or the use of shared spaces. Lack of privacy and personality clashes can also become challenging over time.
| Advantages | Disadvantages |
| Significant reduction in rent (40–60% savings) | Less privacy than living alone |
| Shared utility costs (electricity, internet, cleaning) |
Risk of conflicts between flatmates |
| Access to more central neighbourhoods for the same budget | Possible joint liability for rent |
| Easier social integration (especially for expats or newcomers) | High turnover in some shared flats |
| Access to larger properties | House rules to negotiate |
| Flexibility (coliving options) for short-term stays | Difficulty finding a room quickly in popular areas |
Several options are available when looking for shared accommodation. You can browse specialised platforms such as Appartager.lu or Furnished.lu / Colocataires.lu, which offer a wide range of listings. Facebook groups, Marketplace and expatriate communities are also very active. Real estate agencies can assist you with your search, and some websites offer specific filters for shared accommodation. Don’t forget your personal network : word of mouth can be very effective.
Traditional shared accommodation allows costs to be split between tenants. Coliving offers all-inclusive services (cleaning, internet, shared spaces) and flexible contracts. Renting a room provides more independence in a furnished property. Each option meets different needs depending on budget, services or level of autonomy.
|
Criteria |
Shared accommodation |
Coliving |
Room rental |
|
Type of contract |
Joint or individual (2024 law) |
Individual (room) |
Individual |
|
Utilities included |
No (to be shared) |
Yes (internet, cleaning, electricity) |
Variable |
|
Furnishing |
Variable |
Always furnished |
Often furnished |
|
Duration |
Standard (≥ 1 year) |
Flexible (monthly possible) |
Flexible |
|
Monthly cost |
Most affordable |
Higher (services included) |
Intermediate |
|
Community |
Depends on flatmates |
Structured (events, shared spaces) |
Low |
|
Typical profile |
Students, young professionals |
Expats, mobile professionals |
Individuals |
In Luxembourg, although home insurance is not compulsory, it is strongly recommended to protect your home against risks such as theft or fire. In shared accommodation, insurance covers your bedroom, shared common areas, and your personal belongings.
Several solutions exist: a joint home insurance policy where all flatmates share one contract and the costs, or individual policies. Each tenant should also take out personal liability insurance. To simplify claims handling, it is often easier for all tenants to be insured with the same insurer.
|
Options |
How it works |
Advantage |
Points to watch |
|
Joint policy |
One contract in all tenants' names |
Simple management, shared premium |
Joint liability: one claim affects all |
|
Individual policies |
Each tenant has their own contract |
Full independence |
Coordination needed for shared claims |
|
Landlord’s insurance |
Sometimes included (especially in coliving) |
No action required by tenants |
Usually does not cover personal belongings |
This article was originally published in September 2021 and updated in June 2026.
Ministry of Housing — Housing Observatory, Advertised rents for accommodation in Luxembourg City by neighbourhood, based on advertised prices for 2025, in collaboration with IMMOTOP.LU.
Law of 23 July 2024 on shared accommodation, Mémorial A No. 311.
Yes, since the law of 23 July 2024 (Mémorial A No. 311), shared accommodation has a specific legal framework. It defines lease types, joint liability clauses and departure conditions. However, its application can vary between landlords.
According to 2025 data from the Housing Observatory, the average rent for an apartment in Luxembourg City is €1,943 per month. In a three-person flatshare, this corresponds to roughly €650 per person before utilities, with strong variations depending on the area (from ~€424 in Dommeldange to ~€821 in Kirchberg).
Shared accommodation is a standard rental of a property shared between individuals, regulated by the 2024 law. Coliving is an all-inclusive service (furnished room, utilities, internet, managed common areas) offered by professional operators. It is more expensive but easier to manage.
No, it is not legally required in Luxembourg, but it is strongly recommended and often required by landlords. It covers personal liability, belongings and damage to the property.
Under the 2024 law, the clause must be explicitly included in the lease to be enforceable. If present, each tenant is responsible for the total rent if another fails to pay. Without it, each tenant is only responsible for their own share.
The 2024 law regulates this situation. One tenant leaving no longer automatically terminates the lease for others. An individual check-out inventory is required. The exact terms depend on the type of lease and its clauses.
Main platforms include Appartager.lu (specialised), Furnished.lu / Colocataires.lu (furnished and coliving), Immotop.lu and Athome.lu (general portals). For all-inclusive coliving, providers such as ColocBelvita, Cohabs and Dynamik offer serviced rooms.