Cost of Living in Zambia

The cost of living in Zambia is remarkably low for those paid in a strong currency. Compared to many global cities, Lusaka remains an affordable option for expats, particularly when it comes to housing and local goods and services.

As Zambia is a landlocked country, it is heavily dependent on its neighbours. Transport costs are high, and much of the country’s consumer goods are imported, making them relatively expensive.

Expats should keep in mind that the cost of living in Zambia is relative. Those looking to maintain a high standard of living similar to what they had back home may find certain expenses costly, particularly imported goods and private services. That said, local living costs remain significantly lower than in many Western countries, and most of Zambia’s population still lives below the poverty line.

Cost of accommodation in Zambia

Accommodation costs in Zambia can be high, particularly in Lusaka, and are likely to be your most significant monthly expense. Many companies secure and finance housing for their senior expat executives.

Expats looking for work in Zambia should factor the housing costs into any contract negotiations. If your employer does not cover accommodation, you may also need to factor in utility expenses.

Accommodation in Zambia

Cost of transport in Zambia

Most expats moving to Zambia choose to purchase a vehicle to get around the country. Zambia’s public transport is largely considered inadequate, but there are buses, trains, and minibus taxis available at affordable prices.

Purchasing and maintaining a car in Zambia is affordable for most expats. That said, as the country’s road infrastructure is still under development, you will likely need to invest in a four-wheel drive vehicle and defensive driving lessons to stay safe on its roads.

Getting Around in Zambia

Cost of entertainment and eating out in Zambia

Zambia boasts various recreational activities, including cinemas, bars, and theatres dotted around the country. Cinema ticket prices will be reasonable for expats, but those looking to save a few bucks can purchase tickets for weekday shows rather than weekend shows. Culture aficionados will also be delighted to find that there is a State Orchestra in Lusaka, but tickets can be pricey.

Eating out in Zambia is a treat for both locals and residents. If you want to try local restaurants and cafés, they are extremely affordable. For those who are looking for international cuisine, there are a variety of Western-style restaurants in hotels and tourist areas, but these will be significantly pricer.

Cost of groceries in Zambia

The cost of basic goods such as fresh fruit and vegetables varies significantly according to the season. Informal markets in Zambia are a good place to pick up bargains, as polite bartering is acceptable at street cafés and vendors in a way that it is not in more formal shops. Buying local goods is also significantly cheaper than imported alternatives.

Cost of education and schooling in Zambia

Expat parents will most likely have to spend a hefty sum on education. Many feel that the public school system is inadequate and prefer to send their children to international schools in Zambia, which tend to carry high fees. Expat parents moving to Zambia for work should consider this when negotiating their relocation package.

While international schools are pricey, they offer globally recognised curricula like the American, British, and International Baccalaureate systems. Teachers at these schools are also highly qualified, and you can find a wider variety of extracurricular activities, so many parents find the cost well worth it.

Education and Schools in Zambia

Cost of healthcare in Zambia

Another essential expense for expats in Zambia is health insurance. Zambia’s public healthcare system is subpar, and although there are some good private hospitals in the major centres, any serious medical emergencies are likely to require evacuation to South Africa or elsewhere.

With this in mind, expats need to ensure that they have a comprehensive health insurance policy that covers this. The cost of health insurance in Zambia will vary depending on age, lifestyle habits, and health status.

Healthcare and Health Insurance in Zambia

Cost of living in Zambia

Prices may vary depending on product and service provider. The list below shows average prices for Lusaka in February 2025.