Last update: Oct 2026

Cost of Living Comparison Between Tbilisi and Waterloo

For one person, living is cheaper in Tbilisi: $1,269 a month against $2,325 in Waterloo, rent and utilities included – about $12,700 less a year. Rent and utilities account for most of the difference.

61

Cost of Living Index in Tbilisi
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Tbilisi Living Index
112

Cost of Living Index in Waterloo
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Waterloo Living Index

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Tbilisi

🇬🇪 Georgia

$1,269

/mo nomad

Waterloo

🇧🇪 Belgium

$2,325

/mo nomad

Monthly Cost of Living

How much you'll spend in Tbilisi and in Waterloo

Real prices from locals and on-the-ground checks – rent, groceries, transit and the daily extras. Here's what a month in Tbilisi and in Waterloo actually costs, broken down by who's living it.

A single person spends $1,269 per month in Tbilisi vs $2,325 in Waterloo, rent included.

Tbilisi $1,269
Waterloo $2,325

A couple spends around $2,016 per month in Tbilisi vs $3,269 in Waterloo, rent included.

Tbilisi $2,016
Waterloo $3,269

A family of three spends $2,763 per month in Tbilisi vs $4,213 in Waterloo, rent included.

Tbilisi $2,763
Waterloo $4,213

Tbilisi is about 45% cheaper than Waterloo, and outside of rent the biggest gap is in eating out.

Tbilisi sits 7% below the global median, while Waterloo is 71% above – they fall on opposite sides of the world average.

Meal at Budget Restaurant

$11.63 ₾30.07

$22.54 €20.19

-48.40%

Three-Course Dinner for Two, Mid-Range

$37.83 ₾97.8

$99.9 €89.5

-62.14%

Fast Food Meal (McDonalds, etc)

$9.66 ₾24.98

$15.38 €13.78

-37.19%

Cappuccino

$3.57 ₾9.24

$4.31 €3.86

-17.17%

Coke/Pepsi/Fanta/Sprite (0.33 liter bottle)

$1.08 ₾2.78

$3.64 €3.26

-70.33%

Water (0.33 liter bottle)

$0.56 ₾1.45

$3.08 €2.76

-81.82%

Local Beer (0.5 liter draught)

$2.62 ₾6.78

$5.56 €4.98

-52.88%

Imported Beer (0.33 liter bottle)

$3.04 ₾7.85

$5.60 €5.02

-45.71%

Milk (1 liter)

$2.17 ₾5.60

$1.33 €1.19

63.16%

White Bread (500g)

$0.80 ₾2.06

$2.67 €2.39

-70.04%

Rice (white) (1kg)

$1.74 ₾4.51

$2.21 €1.98

-21.27%

Eggs

$2.83 ₾7.31

$4.14 €3.70

-31.64%

Local Cheese (1kg)

$9.31 ₾24.07

$17.86 €15.99

-47.87%

Chicken Fillets (1kg)

$6.52 ₾16.85

$12.18 €10.91

-46.47%

Beef Round Steak (1kg)

$12.95 ₾33.50

$19.51 €17.47

-33.62%

Apples (1kg)

$1.68 ₾4.33

$2.82 €2.53

-40.43%

Banana (1kg)

$1.85 ₾4.79

$2.47 €2.21

-25.10%

Oranges (1kg)

$1.97 ₾5.10

$2.72 €2.43

-27.57%

Tomato (1kg)

$2.42 ₾6.25

$2.80 €2.51

-13.57%

Potato (1kg)

$0.82 ₾2.11

$2.20 €1.97

-62.73%

Onion (1kg)

$0.74 ₾1.91

$1.99 €1.78

-62.81%

Lettuce (1 head)

$1.34 ₾3.47

$1.31 €1.17

2.29%

Water (1.5 liter bottle)

$0.77 ₾2.00

$1.09 €0.98

-29.36%

Cigarettes 20 Pack (Marlboro, Camel)

$3.57 ₾9.24

$12.86 €11.51

-72.24%

Wine (Bottle)

$7.67 ₾19.83

$8.70 €7.79

-11.84%

Local Beer (0.5 liter bottle)

$1.70 ₾4.39

$1.99 €1.78

-14.57%

Imported Beer (0.33 liter bottle)

$2.40 ₾6.21

$2.36 €2.12

1.69%

One-way Ticket (Public Transport)

$0.40 ₾1.05

$3.35 €3.00

-88.06%

Public Transport Monthly Pass (Regular Price)

$15.23 ₾39.38

$48.39 €43.34

-68.53%

Taxi Start (Normal Tariff)

$1.14 ₾2.95

$2.92 €2.62

-60.96%

Taxi (Normal Tariff) (1km)

$0.78 ₾2.02

$2.25 €2.01

-65.33%

Taxi 1hour Waiting (Normal Tariff)

$11.83 ₾30.58

$39.53 €35.41

-70.07%

Gasoline (1 liter)

$1.45 ₾3.75

$2.09 €1.87

-30.62%

Midsize Hatchback 1.4l (Volkswagen Golf, Toyota Prius, Honda Civic, etc)

$24.6K ₾63.6K

$35.0K €31.3K

-29.71%

Compact Sedan 1.6l (Toyota Corolla, Mazda3, Kia K4, Hyundai Elantra, etc)

$22.3K ₾57.8K

$36.5K €32.7K

-38.88%

Utilities for 2 People in 2-bedroom Apartment (Heating, Electricity, Gas, Water, Garbage) (85m2)

$88.8 ₾230

$219 €196

-59.49%

SIM Card Monthly Plan (Calls and 10GB+ Data)

$13.12 ₾33.93

$20.68 €18.52

-36.56%

Internet (50+ Mbps, Unlimited Data)

$19.67 ₾50.9

$49.79 €44.59

-60.49%

Gym Membership (Monthly)

$64.1 ₾166

$31.48 €28.20

103.46%

Tennis Court (1 Hour on Weekend)

$19.04 ₾49.24

$21.14 €18.94

-9.93%

Cinema Ticket

$7.12 ₾18.42

$15.67 €14.04

-54.56%

Preschool or Kindergarten, Full Day, Private, 1 Child (Monthly)

$375 ₾971

$784 €702

-52.10%

International Primary School, 1 Child (Yearly)

$10.5K ₾27.1K

$26.2K €23.5K

-60.11%

Jeans (Levis 501 Or Similar)

$104 ₾268

$100 €90.0

3.16%

Summer Dress (H&M, Zara, etc)

$39.26 ₾102

$46.83 €41.94

-16.16%

Sport Shoes (Adidas, Nike)

$117 ₾303

$113 €101

4.24%

Men's Leather Business Shoes

$122 ₾315

$148 €132

-17.58%

1-bedroom Apartment, City Center (Monthly)

$695 ₾1,798

$1,030 €922

-32.48%

1-bedroom Apartment, Outside City Center (Monthly)

$451 ₾1,167

$1,016 €910

-55.60%

3-bedroom Apartment, City Center (Monthly)

$1,355 ₾3,504

$1,405 €1,258

-3.54%

3-bedroom Apartment, Outside City Center (Monthly)

$906 ₾2,343

$1,165 €1,044

-22.24%

Buy Apartment in City Center (m2)

$2,295 ₾5,934

$4,138 €3,706

-44.55%

Buy Apartment Outside City Center (m2)

$1,345 ₾3,478

$3,242 €2,904

-58.52%

Average Monthly Net Salary (After Tax)

$664 ₾1,718

$2,441 €2,187

-72.79%

20-Year Fixed Mortgage Interest Rate (Annual %)

12.62

3.71

240.16%

CityCost data is based on AI and user input – minor inaccuracies may occur.

Last update for Tbilisi: October 27, 2026

Last update for Waterloo: October 26, 2026

Monthly budget structure

Share of the monthly basket for one person, rent included.

Accommodation & Living

Tbilisi

$451 35.6%

Waterloo

$1K 43.7% 125% $565

Groceries & Markets

Tbilisi

$234 18.4%

Waterloo

$353 15.2% 50.9% $119

Eating Out

Tbilisi

$191 15%

Waterloo

$344 14.8% 80.5% $154

Clothing & Footwear

Tbilisi

$172 13.5%

Waterloo

$183 7.9% 6.7% $12

Monthly Utilities & Internet

Tbilisi

$122 9.6%

Waterloo

$290 12.5% 138% $168

Sport & Entertainment

Tbilisi

$78 6.2%

Waterloo

$63 2.7% 19.8% $15

Getting Around

Tbilisi

$22 1.7%

Waterloo

$76 3.3% 247% $54

Cost Breakdown

A central one-bedroom costs $695 in Tbilisi versus $1,030 in Waterloo. Rent is usually the largest line item in a monthly budget, so the gap here sets the tone for the overall comparison.

Salaries in Waterloo are about 3.7 times higher. Purchasing power depends on which expenses matter most to you.

A mid-range dinner for two costs $38 in Tbilisi versus $100 in Waterloo. Monthly groceries follow the same trend: $234 vs $353 – making Tbilisi the more affordable choice for daily food spending.

Good to know

🇬🇪 Tbilisi

🇧🇪 Waterloo

🕒 Local time

21:14 9:14 PM

18:14 6:14 PM

3 h behind Tbilisi

🌤 Weather

👥 Population

1,241,700 Capital

29,649

💱 Currency

Georgian Lari GEL ₾

Euro EUR €

📈 Exchange rate

1 GEL = 0.387 USD

1 GEL = 0.346 EUR

1 EUR = 1.12 USD

Exchange rates and currency converter

EUR, USD to GEL – Georgian Lari Converter

🇺🇸 United States Dollar ($)

🇬🇪 Georgian Lari (₾)

Georgian Lari exchange rates as of November 1, 2026: 1 USD = 2.59 GEL (1 GEL = 0.387 USD). 1 EUR = 2.89 GEL (1 GEL = 0.346 EUR).

Euro exchange rates as of November 1, 2026: 1 USD = 0.896 EUR (1 EUR = 1.12 USD).

USD to GEL in detail →

On the map

Lowest

Highest

Between locations

Tbilisi Waterloo 3,220 km ≈ 4 h 30 min nonstop flight

From you

Tbilisi
Waterloo

Distances are measured in a straight line. Your location is detected approximately.

City Median Internet Speeds Comparison (Updated April 2026)

The chart highlights the Precision Threshold for mobile and fixed broadband internet speeds, updated quarterly.

Digital Nomad Cost of Living Index

Tbilisi vs Waterloo: Cost of Living - Frequently Asked Questions

Monthly costs with rent: $1,269 in Tbilisi, $2,325 in Waterloo – Tbilisi comes out roughly 45% cheaper. Outside of rent, the biggest gap is in eating out.

For a comfortable life, plan on about $1,904 per month in Tbilisi and $3,488 in Waterloo. That covers rent, food, utilities, transport, and enough left over to feel settled – not just surviving.

Rent is clearly cheaper in Tbilisi, especially for central apartments: a one-bedroom in the center costs $695 there versus $1,030 in Waterloo.

A mid-range dinner for two costs $38 in Tbilisi and $100 in Waterloo. That’s a good indicator of the overall restaurant and café pricing gap between the two cities.

Monthly expenses with rent come to $1,269 in Tbilisi and $2,325 in Waterloo. That makes Tbilisi about 45% cheaper.

A $2,000 monthly budget goes further in Tbilisi, where all-in costs run around $1,269, than in Waterloo at $2,325. In Tbilisi it covers expenses comfortably, while in Waterloo it requires careful planning or may not stretch far enough.

Families tend to lean toward Tbilisi – lower housing and cheaper childcare make a real difference, especially on a single income or when paying for private education.

Both cities have a reputation for safety. In either place, the choice of neighborhood matters more than the choice between the two cities.

If budget matters most, go with Tbilisi. If higher salaries or specific career opportunities are the priority, Waterloo makes more sense. Both are solid long-term options with distinct trade-offs.