The cost of living in Zambia is remarkably low for those paid in a strong currency. In the Mercer Cost of Living Survey for 2021, which compares expat cities around the world, Lusaka was ranked 208th out of 209 cities.
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 and therefore expensive.
Expats should keep in mind that the cost of living in Zambia is relative. For those wanting to maintain the life of comfort that they were used to back home, the cost can be exorbitant; but it’s worth noting that the majority of Zambia’s population still live well below the poverty line.
Cost of accommodation in Zambia
Accommodation costs in Zambia can be high, particularly in Lusaka, and are likely to be an expat’s 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 earning a foreign currency, however, housing is rather affordable in Zambia.
Cost of food and groceries in Zambia
The cost of basic goods such as fresh fruit and vegetables varies significantly according to season. Informal markets in Zambia are a good place to pick up bargains as polite bartering is acceptable at street cafes and vendors in a way that it is not in more formal stores.
Cost of schooling and education in Zambia
Expats with children will most likely have to fork out a hefty sum of money on education. Many feel that the public school system is inadequate and prefer to send their children to international schools in Zambia. That said, the privilege of attending these schools does not come cheap. Expat parents moving to Zambia for work purposes should keep this in mind when negotiating their relocation package.
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. Expats, therefore, need to ensure that they have a comprehensive health insurance policy that covers this.
Cost of living in Zambia
Prices may vary depending on product and service provider. The list below shows average prices for Lusaka in February 2022.
Accommodation (monthly rent) |
|
One-bedroom apartment in city centre |
ZMW 4,900 |
One-bedroom apartment outside of city centre |
ZMW 3,580 |
Three-bedroom apartment in city centre |
ZMW 12,730 |
Three-bedroom apartment outside of city centre |
ZMW 8,200 |
Shopping |
|
Eggs (dozen) |
ZMW 20.40 |
Milk (1 litre) |
ZMW 18.65 |
Rice (1 kg) |
ZMW 33.75 |
Loaf of white bread |
ZMW 12.70 |
Chicken breasts (1kg) |
ZMW 57.55 |
Pack of cigarettes (Marlboro) |
ZMW 50 |
Eating out |
|
Big Mac Meal |
ZMW 54 |
Coca-Cola (330ml) |
ZMW 12.70 |
Cappuccino |
ZMW 32.40 |
Local beer (500ml) |
ZMW 18.15 |
Three-course meal for two at a mid-range restaurant |
ZMW 412 |
Utilities |
|
Mobile-to-mobile call rate (per minute) |
ZMW 1.40 |
Internet (uncapped ADSL or cable – average per month) |
ZMW 830 |
Basic utilities (per month for a standard household) |
ZMW 1,880 |
Transportation |
|
Taxi rate (per kilometre) |
ZMW 17.20 |
Bus/train fare in the city centre |
ZMW 14.40 |
Petrol/gasoline (per litre) |
ZMW 20.30 |
Further reading
►For more on managing your finances while living in Zambia, see Banking, Money and Taxes in Zambia
Expat Experiences
"Compared to Belgium, Zambia is cheap, even if it is more expensive than neighbouring countries. Being organised is very important to save money." Read more about Belgian expat Jacques's experiences in Zambia.
Are you an expat living in Zambia?
Expat Arrivals is looking for locals to contribute to this guide, and answer forum questions from others planning their move to Zambia. Please contact us if you'd like to contribute.
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