This is a hard question to answer, because you pose quite a broad question. What do you mean by 'unaffected,' for instance? Does it mean not having to fight? Does it mean not witnessing any horrors of the war, like the abuse of Jews and other minorities? What time period are we talking about?

I assume, based on your description, that 'unaffected' means a person's life before the war was not affected in any way, shape or form during the war.

Based on that assumption, it can be said that the regular German citizen (since that is the example you give) was very much affected by the war, just looking at the simple example of food. The Nazis did not want to cause public unrest by introducing harsh rationing; the victory over France in 1940 helped them avoid the introduction of harsher rationing policies. I specifically mention harsh rationing, because rationing policies were introduced shortly before the outbreak of the war, in August 1939. Ration stamps were given to every citizen (which allowed them to purchase food, as it was not given away for free).

The amount of food available was sufficient and allowed a citizen to live decently, although the diet became a bit more bland. As the war raged on, meat was increasingly difficult to get every single day, because of the lack of imports from the USA. Meat rations dropped from 750 grams a week to 250 grams from 1939 to 1945. This led to a lot of people growing vegetables in their backyards. Throughout the war, some parks were even transformed into large vegetable patches, their trees cut down to be used as fuel.

As you can see, the daily life of a German citizen was not free from the hardships that come attached to large-scale war. I believe the same is true for the other major nations involved, like the Soviet Union or the United Kingdom, but someone with more knowledge than me can probably better explain day-to-day life for an average citizen there. I talk only about rations, but other problems existed, namely with shortages of fuel used to cook and heat homes, shortages of clothes and many other things. You can read more about the life of German citizens during the war period here and here.