Cost of Living in Zambia - Updated Prices & Insights

Name: Zambia
Address: ZM

Solo nomad: Estimated monthly costs are $641 (excluding rent), and $857 including rent.

Family of 3: Estimated monthly costs are $1,348 (excluding rent), and $2,139 including rent.

Meal at Budget Restaurant

$6.95 ZMW 134

$3.73 ZMW 71.9

$11.12 ZMW 214

Three-Course Dinner for Two, Mid-Range

$23.29 ZMW 448

$20.59 ZMW 396

$32.67 ZMW 629

Fast Food Meal (McDonalds, etc)

$3.69 ZMW 71.1

$3.60 ZMW 69.3

$3.90 ZMW 75.1

Cappuccino

$1.97 ZMW 37.89

$0.97 ZMW 18.65

$3.48 ZMW 67.0

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

$0.63 ZMW 12.08

$0.43 ZMW 8.36

$0.98 ZMW 18.96

Water (0.33 liter bottle)

$0.35 ZMW 6.81

$0.27 ZMW 5.21

$0.47 ZMW 9.01

Local Beer (0.5 liter draught)

$0.93 ZMW 17.98

$0.59 ZMW 11.39

$1.89 ZMW 36.35

Imported Beer (0.33 liter bottle)

$1.50 ZMW 28.81

$1.16 ZMW 22.34

$2.36 ZMW 45.47

Milk (1 liter)

$1.28 ZMW 24.69

$0.79 ZMW 15.29

$1.75 ZMW 33.71

White Bread (500g)

$0.85 ZMW 16.44

$0.61 ZMW 11.69

$1.10 ZMW 21.20

Rice (white) (1kg)

$1.73 ZMW 33.33

$1.11 ZMW 21.35

$4.19 ZMW 80.7

Eggs

$1.52 ZMW 29.29

$1.01 ZMW 19.53

$3.27 ZMW 62.9

Local Cheese (1kg)

$7.50 ZMW 144

$3.54 ZMW 68.2

$15.57 ZMW 300

Chicken Fillets (1kg)

$3.94 ZMW 75.9

$2.27 ZMW 43.75

$6.98 ZMW 134

Beef Round Steak (1kg)

$4.81 ZMW 92.7

$2.68 ZMW 51.6

$6.95 ZMW 134

Apples (1kg)

$2.38 ZMW 45.75

$1.27 ZMW 24.53

$3.49 ZMW 67.2

Banana (1kg)

$1.49 ZMW 28.76

$0.81 ZMW 15.51

$2.84 ZMW 54.7

Oranges (1kg)

$2.50 ZMW 48.04

$1.15 ZMW 22.06

$3.65 ZMW 70.3

Tomato (1kg)

$1.15 ZMW 22.07

$0.38 ZMW 7.23

$1.98 ZMW 38.04

Potato (1kg)

$2.06 ZMW 39.63

$0.54 ZMW 10.45

$5.29 ZMW 102

Onion (1kg)

$1.36 ZMW 26.11

$0.71 ZMW 13.71

$2.63 ZMW 50.7

Lettuce (1 head)

$0.95 ZMW 18.24

$0.40 ZMW 7.65

$1.34 ZMW 25.88

Water (1.5 liter bottle)

$0.52 ZMW 10.06

$0.29 ZMW 5.67

$0.87 ZMW 16.83

Cigarettes 20 Pack (Marlboro, Camel)

$2.21 ZMW 42.49

$1.77 ZMW 34.07

$3.75 ZMW 72.3

Wine (Bottle)

$6.76 ZMW 130

$4.50 ZMW 86.5

$15.13 ZMW 291

Local Beer (0.5 liter bottle)

$0.84 ZMW 16.18

$0.54 ZMW 10.48

$1.45 ZMW 27.95

Imported Beer (0.33 liter bottle)

$1.24 ZMW 23.82

$0.75 ZMW 14.37

$2.54 ZMW 48.96

One-way Ticket (Public Transport)

$1.03 ZMW 19.81

$0.58 ZMW 11.20

$1.92 ZMW 37.01

Public Transport Monthly Pass (Regular Price)

$40.24 ZMW 775

$30.80 ZMW 593

$53.8 ZMW 1,035

Taxi Start (Normal Tariff)

$2.57 ZMW 49.46

$1.85 ZMW 35.66

$3.13 ZMW 60.3

Taxi (Normal Tariff) (1km)

$1.02 ZMW 19.63

$0.49 ZMW 9.35

$1.64 ZMW 31.59

Taxi 1hour Waiting (Normal Tariff)

$9.45 ZMW 182

$9.44 ZMW 182

$11.27 ZMW 217

Gasoline (1 liter)

$1.18 ZMW 22.65

$1.12 ZMW 21.53

$1.32 ZMW 25.46

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

$8,042 ZMW 154.8K

$6,854 ZMW 131.9K

$9,229 ZMW 177.7K

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

$28.4K ZMW 547.0K

$6,094 ZMW 117.3K

$31.8K ZMW 612.9K

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

$86.1 ZMW 1,657

$38.53 ZMW 742

$201 ZMW 3,875

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

$50.9 ZMW 979

$5.66 ZMW 109

$99.8 ZMW 1,922

Internet (50+ Mbps, Unlimited Data)

$125 ZMW 2,415

$43.63 ZMW 840

$200 ZMW 3,856

Gym Membership (Monthly)

$42.59 ZMW 820

$18.44 ZMW 355

$58.4 ZMW 1,123

Tennis Court (1 Hour on Weekend)

$13.89 ZMW 267

$9.38 ZMW 181

$19.02 ZMW 366

Cinema Ticket

$4.07 ZMW 78.3

$2.21 ZMW 42.54

$4.87 ZMW 93.7

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

$176 ZMW 3,395

$59.9 ZMW 1,152

$306 ZMW 5,881

International Primary School, 1 Child (Yearly)

$9,412 ZMW 181.2K

$3,928 ZMW 75.6K

$19.6K ZMW 378.0K

Jeans (Levis 501 Or Similar)

$19.83 ZMW 382

$13.72 ZMW 264

$22.87 ZMW 440

Summer Dress (H&M, Zara, etc)

$17.85 ZMW 344

$8.15 ZMW 157

$36.95 ZMW 711

Sport Shoes (Adidas, Nike)

$79.5 ZMW 1,531

$45.71 ZMW 880

$111 ZMW 2,140

Men's Leather Business Shoes

$73.0 ZMW 1,404

$43.09 ZMW 829

$91.6 ZMW 1,763

1-bedroom Apartment, City Center (Monthly)

$214 ZMW 4,127

$136 ZMW 2,620

$305 ZMW 5,864

1-bedroom Apartment, Outside City Center (Monthly)

$126 ZMW 2,433

$89.9 ZMW 1,730

$178 ZMW 3,425

3-bedroom Apartment, City Center (Monthly)

$866 ZMW 16.7K

$460 ZMW 8,857

$2,003 ZMW 38.6K

3-bedroom Apartment, Outside City Center (Monthly)

$696 ZMW 13.4K

$264 ZMW 5,079

$1,475 ZMW 28.4K

Buy Apartment in City Center (m2)

$2,001 ZMW 38.5K

$1,941 ZMW 37.4K

$2,025 ZMW 39.0K

Buy Apartment Outside City Center (m2)

$5,056 ZMW 97.3K

$696 ZMW 13.4K

$16.1K ZMW 310.0K

Average Monthly Net Salary (After Tax)

$383 ZMW 7,380

20-Year Fixed Mortgage Interest Rate (Annual %)

6.5

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

Last update: April 11, 2026

Zambia Median Internet Speeds (Updated April 2026)

Mobile

Mbps

Fixed Broadband

Mbps

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

Digital Nomad Cost of Living Index

Cost of Living in Zambia - Frequently Asked Questions

Cost of Living in Zambia varies by city and lifestyle. Urban centers offer more options but can feel pricier than rural areas, while budget-friendly choices appear in guesthouses, local markets, and community amenities. For travelers, expats, and digital nomads, value comes from mixing affordable everyday services with smart housing and transport decisions. Local markets, casual eateries, and cheaper public transport tend to keep the baseline comfortable, while occasional imported goods or premium services raise the bill. A practical approach is to blend low-cost routines with selective upgrades to support work needs. Tip: build a simple weekly plan to balance higher and lower-cost days.

Daily life in Zambia blends practicality with choice. For housing, look beyond the capital to regional towns where leases feel more negotiable and utilities are more affordable. Food options are abundant in local markets and affordable eateries, making home cooking a reliable saver. Transport ranges from shared minibuses to ride-hailing in cities, with walking or cycling viable in compact neighborhoods. Co-working spaces exist in major hubs, and cafes can serve as quick work spots. Erands are smoother when you know market hours and vendor rhythms. Zambia living cost shifts by location and season; plan a flexible routine to balance busy days with downtime. Tip: map a weekly route that covers work, shopping, and rest.

Quality of life in Zambia varies by neighborhood and pace. A practical budgeting framework helps you stay on track: set core categories (housing, food, transport, and activities), track a few essential expenses, and adjust with the seasons. Smart saving comes from choosing local groceries, cooking at home, using shared workspaces, and negotiating longer leases when possible. To find the right fit, visit a mix of areas – from city centers to quieter suburbs or lakeside zones – and test commute times and access to services. Seasonal shifts can affect crowds and prices, so keep a flexible plan. Tip: keep a small buffer for unexpected costs and sample several districts before committing.