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Cost of Living in Kirkcaldy, Scotland | Expat Exchange
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Cost of Living in Kirkcaldy, Scotland

By Joshua Wood, LPC

Last updated on Mar 17, 2025

Summary: What is the cost of living in Kirkcaldy, Scotland? Hear what expats, digital nomads and retirees living in Kirkcaldy have to say about the cost of housing, health insurance and general living costs.

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Is the cost of living in Kirkcaldy high?

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

"The cost of living in Kirkcaldy is considered to be relatively affordable compared to other parts of the UK. Housing is quite reasonable, with rental prices being significantly lower than in larger cities such as Edinburgh or Glasgow. The cost of groceries, utilities, and transportation is also relatively low, making everyday expenses manageable for residents. Dining out and entertainment options are also reasonably priced. However, like anywhere, the cost of living can vary depending on personal lifestyle and spending habits. Overall, Kirkcaldy is known for offering a good quality of life at a relatively low cost," said one expat in Kirkcaldy.

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Will I save money living in Kirkcaldy?

"The cost of living in Kirkcaldy can be significantly lower than in many parts of the United States. This is largely due to lower housing costs, as well as potentially lower costs for groceries and other everyday items. However, this can vary depending on your lifestyle and spending habits. For example, dining out and entertainment can be more expensive in Kirkcaldy than in some U.S. cities. Additionally, if you plan to own a car, keep in mind that petrol prices are generally higher in the UK than in the U.S. Healthcare is another significant factor to consider. In Scotland, residents have access to the National Health Service, which provides free healthcare at the point of use. This could result in substantial savings compared to the U.S., where healthcare costs can be high. However, it's also important to consider income. While the cost of living may be lower in Kirkcaldy, average salaries also tend to be lower than in the U.S. Therefore, your ability to save money will depend on your income as well as your expenses. In conclusion, while there are potential savings to be made by living in Kirkcaldy compared to the U.S., it's important to consider all factors, including income, lifestyle, and personal spending habits," wrote a person living in Kirkcaldy.

What is the average cost of housing in Kirkcaldy?

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

"The average cost of housing in Kirkcaldy, tends to vary depending on the type and size of the property. However, as of recent data, the average price for properties in Kirkcaldy is generally in the mid to high five-figure range. For instance, a typical two-bedroom flat may cost less than a three or four-bedroom house. It's always best to check with local real estate agencies or online property websites for the most current and accurate information," explained one expat living in Kirkcaldy.

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This is a personal property finding service. I team up with a buyer and help you find the perfect property for your needs. I am your man on the ground and expert in the market. Whatever is important to you will be my mission to bring you what you want without all the stress whilst guiding and protecting you in the process.

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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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