Cost of Living in Kenya

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The relatively low cost of living in Kenya compared to many other destinations is one of the country’s many draws. The capital city, Nairobi, is one of Africa’s most affordable metropolises, ranking well below the likes of Maputo in Mozambique and Luanda in Angola.

That said, costs have been rising in recent years, particularly in expat-focused areas. Amenities such as private healthcare, international schools and comfortable homes can tremendously increase the cost of living in Kenya. You will also have to account for additional living expenses you wouldn’t incur back home, such as clean drinking water, a security guard, or a driver.

Fortunately, many expats find that their employment contracts cover some of the heftiest expenses. Multinational companies and international organisations increasingly provide comprehensive packages including housing allowances, transport benefits, and education allowances that can cover substantial international school fees. It’s best to negotiate these benefits into your expat packages where possible, as they can significantly offset Kenya’s rising living costs.

Working in Kenya

Cost of accommodation in Kenya

The cost of accommodation will likely be your most significant expense if you live in Kenya. Most expats opt to rent as they have a fixed-term contract and don’t intend to settle in the country long-term. Rent in cities like Nairobi and Mombasa will be higher than in rural locations, and prime residential rental rates have increased significantly in recent years, reflecting strong demand from expats and high-net-worth individuals.

Security is a key concern when choosing where to live, and this must be factored into the cost of accommodation. Many expats opt to live in a secure, gated community, which can cost as much as property in Europe. Popular expat areas like Gigiri, Runda, Karen, and Lavington offer excellent security but command premium rents. Rental costs in safe expat areas are much higher, with luxury developments often featuring 24/7 security patrols and controlled access.

Renting Accommodation in Kenya
Safety in Kenya

Cost of transport in Kenya

Public transport in Kenya is incredibly cheap, but expats do not typically use it as it’s usually uncomfortable and inefficient. Matatus (shared minibuses) are the backbone of public transport with very low fares for short trips, although they’re frequently overcrowded and drive erratically. Nairobi’s Bus Rapid Transit system is being developed to improve public transport connectivity across the city.

Many expats rely on ride-hailing services like Uber and Bolt for convenient city travel, or they hire private drivers for regular commuting. When it comes to getting around in Kenya in the long term, expats often hire or buy a car and find a local driver. A four-wheel drive is the best option if you want to travel domestically in Kenya, but it will be pricier than a regular vehicle.

Getting Around in Kenya

Cost of groceries in Kenya

It can come as a surprise that the cost of food and basic home products for expats in Kenya is relatively high. This is because many of these goods are imported and highly taxed. Food inflation continues to affect household budgets, and market analysis suggests that some commodities are marked up significantly above fair value due to supply chain inefficiencies.

There are several supermarket chains where you can buy anything from dairy products to mattresses, furniture, alcohol, and electronics. Many imported food products, such as cheeses, jams, chocolates, oils, and pasta, can also be found.

Buying local produce is the best way to save money on groceries in Kenya. Because of the country’s favourable climate, you can find high-quality fruit and vegetables at local markets that are far cheaper than in a supermarket.

Cost of entertainment and eating out in Kenya

There’s no shortage of options for eating out in Kenyan cities. Most Western restaurants are located in expat areas and serve dishes made with imported ingredients, so prices are higher. If you are interested in trying local Kenyan foods, plenty of establishments sell generous portions for next to nothing.

The nightlife and entertainment scene in Kenya’s big cities is growing, with modern clubs and bars constantly popping up. Entrance fees and drinks can make a night out an expensive endeavour. If you want to enjoy a local beer, you will find plenty of small bars throughout Kenya where you can have a drink while watching the sunset.

Cost of education in Kenya

Expats moving to Kenya from abroad with their families will have much to think about regarding their children’s education. Although public schooling is free, expats will likely prefer the standard of education offered at private or international schools.

International school fees can be substantial and have increased significantly in recent years. Top-tier schools charge considerable annual tuition, with some premium institutions exceeding what you might pay in Europe or North America. The facilities and teaching standards offered are fantastic, so you will have to decide if it is worth the cost.

Fortunately, private schools offer some financial relief, as they have good resources and teaching standards, although at a lower rate than international schools. Fees vary between schools, so you are encouraged to visit a few schools before making a final decision.

Education and Schools in Kenya
International Schools in Nairobi

Cost of healthcare in Kenya

While public health facilities are available, expats typically choose private hospitals and clinics. The quality and standard of care are often better in private facilities, but this does come at a cost. Kenya recently launched the Social Health Authority (SHA) system, replacing the previous NHIF insurance scheme, and this transition has created some temporary disruptions in coverage.

It is highly recommended that you arrange comprehensive health insurance for yourself and your family, as private healthcare costs can add up quickly without it. Many expats opt for international health insurance plans that provide coverage both locally and globally, offering peace of mind for medical emergencies and routine care.

Healthcare and Medical Insurance in Kenya