Cost of Living in Zambia

By Joshua Wood, LPC

Last updated on Jul 05, 2025

Summary: The cost of living in Zambia is generally considered to be quite affordable. A nice 1 bedroom apartment in Zambia can cost anywhere from $200 to $400 per month, while a nice 2 bedroom apartment can cost from $400 to $600 per month. Dinner at a moderately priced restaurant in Zambia can cost anywhere from $10 to $20 per person.

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Is the cost of living in Zambia high?

We asked people how much they someone comfortably live on in Zambia, they wrote:

"The cost of living in Zambia is generally considered to be relatively low compared to other countries in the region. Basic necessities such as food, transportation, and housing are generally affordable, and the cost of utilities is also relatively low. However, the cost of imported goods and services can be more expensive than in other countries," explained one expat living in Zambia.

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Will I save money living in Zambia?

"Living in Zambia can be significantly cheaper than living in the United States. The cost of living in Zambia is much lower than in the United States, with basic necessities such as food, housing, and transportation costing significantly less. Additionally, the cost of entertainment and leisure activities is also much lower in Zambia than in the United States. As a result, living in Zambia can be a great way to save money," explained one expat.

What is the average cost of housing in Zambia?

If you are thinking about moving to Zambia, cost of living in probably a key consideration. Expats commented about the cost of housing:

"The cost of housing in Zambia varies greatly depending on the location and type of housing. Generally, housing in urban areas tends to be more expensive than in rural areas. Prices for rental properties range from low-cost, basic housing to more expensive, modern apartments. The cost of purchasing a home also varies depending on the size and location. In general, housing in Zambia is relatively affordable compared to other countries in the region," explained one expat living in Zambia.

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BlueCross BlueShield Global Solutions (BCBS) offers global health plans for international assignments or trips lasting 6 months or longer. With access to over 1.7M medical providers in 190 countries around the world, BCBS provides members with solutions and industry-leading digital services - ensuring top-quality coverage to people who live, work, study and travel internationally.

Learn MoreGet Quote

BlueCross BlueShield Global Solutions

BlueCross BlueShield Global Solutions (BCBS) offers global health plans for international assignments or trips lasting 6 months or longer. With access to over 1.7M medical providers in 190 countries around the world, BCBS provides members with solutions and industry-leading digital services - ensuring top-quality coverage to people who live, work, study and travel internationally.

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What are typical rental prices for expats in Zambia?

"The rental price for a nice 1 bedroom apartment in Zambia can vary depending on the location and amenities, but generally ranges from around $400 to $800 per month. For a nice 2 bedroom apartment, the rental price can range from around $600 to $1,200 per month," remarked one expat in Zambia.

What appliances are typically included in a rental?

We asked foreigners in Zambia what appliances are typically included in a rental, and, if there is anything else included or not included that a newcomer would not expect. Replies included:

"In Zambia, rental properties typically include a refrigerator, stove, oven, and washing machine. Other common appliances may include a microwave, dishwasher, and air conditioning unit. Depending on the property, additional amenities such as a clothes dryer, water heater, and security system may also be included," said one expat.

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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Top-quality coverage for people who live, work, study and travel internationally.
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Top-quality coverage for people who live, work, study and travel internationally.
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