{
  "id": 19319452,
  "title": "I live in Oslo on $78,000 a year: I own my home, have universal healthcare, and have 40% of my student debt paid off",
  "url": "https://urgent.news/2026/11/10/i-live-in-oslo-on-78-000-a-year-i-own-my-home-have-universal",
  "topic": "business",
  "section": "Business",
  "published": "2026-11-10T10:00:01.000Z",
  "source": {
    "name": "Business Insider",
    "slug": "business-insider",
    "url": "https://www.businessinsider.com/oslo-homeowner-budget-income-the-pay-check-2026-11"
  },
  "original_language": "en",
  "account": "Sondre Pettersen is a 25-year-old incident response analyst in the financial sector living alone in Oslo, Norway. He earns around $78,000 annually, including an annual bonus, and owns a one-bedroom apartment in the city. Sondre saved money throughout his high school, university, and internship years and purchased his 465,000 NOK apartment with a $50,000 down payment. His mortgage is a 30-year loan with a 4.29% interest rate, and he pays $2,060 monthly, including $496 for building amenities. Utilities cost him $57 a month, with $32 going towards electricity and $25 for streaming services. Sondre contributes $1,380 in taxes each month, with the government covering 40% of his $88,000 in student loans, leaving him with $53,000 to repay at a variable rate of 4.6%. He pays $400 monthly towards his student loan debt and $71 for benefits, including a 7% contribution to his employer-funded pension. Sondre keeps his monthly income at around $4,774 after expenses and taxes. He saves $1,000 a month, invested in index funds and stocks, and avoids impulsive purchases by waiting before buying. He doesn't own a car, relying on public transportation and occasional single rides or bike trips, which cost him $32 a month. Sondre budgets $40 a month for hair loss medication and $12 for supplements. Healthcare is free in Norway, and he takes advantage of skiing trips and other hobbies, spending around $12 a month on supplements.",
  "summary": "In Oslo, Norway, 25-year-old analyst Sondre Pettersen details his $78,000 yearly salary, mortgage, student loans and cost-of-living budget.",
  "key_points": [],
  "editors_take": null,
  "illustration": null,
  "coverage": {
    "outlets": 1,
    "also_reported_by": []
  },
  "ai_generated": true,
  "disclaimer": "Summaries, key points and the editor’s take are written by software from other outlets’ reporting and may contain errors — always check the linked original."
}