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LIVING IN NORWAY

Living in Norway: Can you get by without a car? 

Whether you choose to live in one of Norway's largest cities or dream of life in a more rural area, you will likely have considered how dependent you are on having access to a car. 

Pictured is a car wing mirror on a Norwegian road.
If you choose to live in a rural area in Norway you will likely need a car. Pictured is a car wing mirror on a Norwegian road. Photo by Anton Khmelnitsky on Unsplash

Cars can be an expensive investment, and picking an unreliable one can be a costly mistake. That’s without having to consider insurance, fuel, tolls and being afraid of driving on a different side of the road and driving in the unpredictable Norwegian weather. 

On top of that, not everyone has learned how to drive, or they may belong to a group of nationals who are unable to swap their driving licence for a Norwegian one.

For many, cars represent freedom, being able to get where you need to be on your own terms. For some living in the cities, not having a car will be liberating in its own way – namely, shedding a significant cost.

READ ALSO: The best sites for buying a used car in Norway

The question of whether you can survive in Norway without a car or driving license will depend mostly on where you live. 

In the cities

For starters, in the big cities and specifically Oslo, you will be able to get by without a car. The city has a decent public transport network with good coverage of the entire city across its buses, trams and metro lines. 

Decent rail connections also connect the capital to several smaller towns and cities. 

On the days that Oslo’s public transport system isn’t reliable, such as days when there is extreme weather, you may not be able to get to where you need to be with a car either. 

Furthermore, having a car may, in some cases, be more of a burden. There are a number of tolls, and finding a place to park can be difficult.

The fact that parking spaces are regularly listed for anything between 300,000 and 1 million kroner on property listing site Finn.no should tell you everything you need to know. 

Much of the same, with the exception of million kroner parking spaces, could be said for some of Norway’s other big cities.

Transport in Trondheim and Stavanger mostly revolves around a bus network (although commuter rail is also an option), and if you live and work centrally, you can walk or use public transport to get to everywhere you need to. 

Bergen’s public transport offering could be considered better than in Stavanger and Trondheim, and there is even a funicular connecting the city to the surrounding nature

However, there are still several reasons why you may still wish to have a car living in the cities. 

Firstly, not all cities are the same. In smaller towns, like Ålesund, with large suburban areas, you will need a car if you live outside the centre. Similarly, while Tromsø has a decent bus network, if you live on the other islands in the area a car would be handy.  

Even in cities where you can reach work and the other essentials by public transport regularly, there are reasons you would want a car. 

If you have children, you’ll know all about needing to ferry them around for the various activities, clubs, parties and events they are invited to. Depending on their hobbies, getting all their gear around won’t be easy via public transport. 

Given that the majority that end up moving to Norway with kids or having their children in Norway do so because they have ended up with a Norwegian, a car will likely make family visits a lot easier. 

Outside the towns and cities

This is where things will be much, much more complicated. Having lived in both the capital, Oslo, and a rural village of about 2,000–3,000 people, getting by without a car isn’t feasible in the long term. 

There are ways around it, like trying to live close to stores and schools, but your life will be significantly more challenging without regular access to a car. 

Buses are a lot more infrequent, so they can’t be relied on to get between towns or to and from work. 

Things are also a lot further apart in more rural areas, so attending things like doctor’s appointments may be a struggle. With things tens of kilometres apart, solutions that might work in a city, like a bike or e-scooter, won’t quite cut it. 

Trying to access nature may also be harder in rural areas without a car than even in a city. At least in cities like Oslo and Bergen, there are options you can take directly to nature spots. 

In rural areas, many of the best gems are found by driving to them. 

Are there any alternatives?  

In many cases, it will simply be a case of needing access to a car rather than owning a car. Several short-term rental schemes in Norway let you borrow a car for a few hours or a few days cheaper than a typical rental company.

Those living in Bergen can use the Dele service. Their service comes with an upfront payment that sets users back around 8,200 kroner to join (7,000 kroner security deposit and then six monthly payments of 600 kroner). The deposit is returned when your membership ends.

There are other options, too. Bilkollektivet is Norway’s largest car-sharing scheme and is based in Oslo. They are a non-profit with several membership tiers depending on how often you need car access.

Getaround (formerly Nabobil) is another example of a car-sharing service. Getaround is the most widespread across Norway, although they can be a lot more expensive than other companies.

However, these companies are only helpful if you only need access to a car once a week or a few times a month. Anymore, and buying a car may make more sense.

In addition, these services cover most towns and cities, but those in rural areas may still end up being left short.

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MONEY

EXPLAINED: How wealthy is the ‘average’ Norwegian? 

Norway is known for its high wages and stable economy. New figures have revealed the wealth of the average resident in the Nordic country. 

EXPLAINED: How wealthy is the 'average' Norwegian? 

High salaries go hand in hand with the high cost of living in conversations about Norway.

However, other factors, such as high homeownership rates, indicate that there is plenty of disposable income for locals to save and invest in their futures. 

Previous studies have also suggested that Norwegians are the seventh wealthiest nationals in the world

Norway’s national data agency, Statistics Norway, has compiled its own set of figures indicating that the average Norwegian household has a net wealth of around 3.8 million kroner. 

Net wealth accounts for everything a person owns, including property, stocks, or cash, minus any debts or liabilities. 

The vast majority of this wealth was derived from the estimated value of property. This alone gives the average Norwegian an estimated wealth of 3.74 million kroner. 

READ ALSO: How much does an apartment in Norway cost?

The value of second homes was included, which skewed things as only around 10 percent of households owned a secondary residence. 

The average price of a home in Norway was 4.5 million kroner in March of this year, and house prices have increased substantially in recent years. 

Savings, cash, stocks and other capital accounted for 1.72 million kroner, giving Norwegians an average wealth of 5.46 million kroner. Average debts of 1.68 million kroner gave Norwegians an average net wealth of 3.8 million kroner.  

The figures from Statistics Norway were obtained using figures from tax returns for 2022, which were submitted in 2023.  

Those aged between 67 and 79 years old were the wealthiest generation in Norway on average. This is partly because they have more capital than most other groups and more expensive property. 

However, the most significant factor is the lower levels of debt. They had half the debt of the next richest group, those aged between 55 and 69. 

Younger age groups weren’t as wealthier as they had much higher debts and lower capital. 

Still, Norway’s wealthiest individuals significantly boosted the average. When using the median, the average Norwegian household had a net wealth of just under 2 million kroner. 

When the median was applied to capital, the figure was 339,300 kroner compared to the average of 1.76 million kroner. 

The large difference in capital was attributed to Norway’s wealthiest individuals significantly pulling up the average. 

“This is mainly due to large fortunes in shares and securities, where a few own very much. Shares and other securities and share savings accounts are assets with a median value equal to zero, which indicates that these are not important asset items for most households,” the report said. 

Money kept in the bank was still important for most residents of Norway, though. The median value of bank deposits in Norway was 215,000 kroner, compared to the average of 600,000. 

The gulf between the average value of property owned and the median was roughly 500,000, with the median being 3.25 million kroner. 

Furthermore, Norway’s median debt level was around 860,000 kroner compared to the average of 1.67 million kroner. Around 85 percent of Norwegian households were in some form of debt. 

Significant differences also exist between Norway’s wealthiest and poorest residents. Residents belonging to the country’s poorest ten percent had an average net wealth of almost minus 1 million kroner. 

Meanwhile, Norway’s wealthiest ten percent had a net wealth of 19 million kroner. The top 50 percent also owned considerably more than the bottom 50 percent. 

“Despite the former comprising 1.27 million households, while the latter comprises approximately 25,000 households, the bottom 50 percent own only 4 percent of the total net worth, while the top 1 percent owned as much as 22.3 percent in 2022,” the report read. 

There was also significant variation in wealth depending on household typeFor example, a single mother or father with a child aged between 6 and 17 had a net wealth of 2.24 million kroner, compared to a couple with children of the same age with an average net wealth of 5.12 million kroner. 

Typically, households with more than one person had more money as more than one wage earner likely lived at the address. 

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