Cost Of Living in Adelaide 2024
Average monthly spending for singles, couples, students, and families in Adelaide
Whether you're living in Adelaide or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.
Average Monthly Expenditure
Currency: AUD
Monthly Expenditure ▶ Single
Currency: AUD
Monthly Expenditure ▶ Couple
Currency: AUD
Monthly Expenditure ▶ Family
Currency: AUD
Monthly Expenditure ▶ Student
Currency: AUD
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Adelaide is 4,500 AUD. Expenses can range from 650 AUD at the minimum level to 30,000 AUD at the highest end.
Couples
The average monthly spending of couples in Adelaide is 7,500 AUD. Expenditure can range from 2,500 AUD to 40,000 AUD per month.
Families
The average cost of living for families in Adelaide is 10,000 AUD per month. Families spend anywhere from 3,500 AUD to 65,000 AUD.
Students
The average monthly expenditure for students in Adelaide is 3,200 AUD. Students spend from 500 AUD to 22,000 AUD per month.
Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
Prices and cost of goods and services in Adelaide
Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
Average car 1-day rental
Average car price
| 17,000 AUD | 35,000 AUD | 47,000 AUD |
Bus ticket one way
Car Service
Utility cost (monthly)
Utility Bill - Individual
Utility Bill - Couple
| 100 AUD | 340 AUD | 2,200 AUD |
Utility Bill - Family
| 180 AUD | 500 AUD | 3,300 AUD |
Internet and cable
Mobile phone charges
Leisure and activities costs
Movie ticket
One month gym membership
Cloths and accessories costs
Pair of jeans or pants
Woman dress
Woman shoes
Men's shoes
Men suit
Regular t-shirt
Housing costs / monthly rent
Studio apartment
| 590 AUD | 890 AUD | 2,400 AUD |
1-bedroom apartment
| 890 AUD | 1,400 AUD | 3,600 AUD |
2-bedroom apartment
| 1,200 AUD | 1,800 AUD | 4,700 AUD |
Housing costs / Buying
Studio apartment
| 120,000 AUD | 180,000 AUD | 360,000 AUD |
| $77,000 | $120,000 | $230,000 |
1-bedroom apartment
| 140,000 AUD | 240,000 AUD | 890,000 AUD |
| $92,000 | $150,000 | $580,000 |
2-bedroom apartment
| 240,000 AUD | 710,000 AUD | 1.4M AUD |
| $150,000 | $460,000 | $920,000 |
Furniture Costs
King Size Bed
| 700 AUD | 870 AUD | 1,200 AUD |
Double Bed
Single Bed
Living Room
| 780 AUD | 1,000 AUD | 3,500 AUD |
Dining Table
Sofa or Couch
| 470 AUD | 640 AUD | 1,400 AUD |
Electronics and House Appliance Costs
TV Set
| 470 AUD | 700 AUD | 1,400 AUD |
Fridge or Freezer
Washing Machine
| 540 AUD | 780 AUD | 1,400 AUD |
Stove or Cooker
Mobile Phone
| 580 AUD | 700 AUD | 1,000 AUD |
Laptop or Computer
| 640 AUD | 780 AUD | 1,400 AUD |
Expenditure to Income Ratio in Adelaide
One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.
Spending to Income Ratio
88%
78% to 97%
( expenditure / income ) x 100
Expense to income distribution levels
| Spending To Income Ratio | % People |
|---|
| < 50% | 6% |
| 50% - 60% | 12% |
| 60% - 70% | 19% |
| 70% - 80% | 27% |
| 80% - 90% | 15% |
| 90% - 100% | 9% |
| 100% - 110% | 5% |
| 110% - 120% | 3% |
| 120% - 130% | 2% |
| 130% - 140% | 2% |
| > 140% | 1% |
Interpretation and Analysis
The average spending-to-salary ratio in Adelaide is 88%
This means that on average, people spend around 88% of their income for living.
According to the distribution table, 19% of the population spend approximately 60% to 70% of their income every month.
How can spending be more than income?
A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.
Individual
79%
Spending-Income-Ratio
70%
87%
Couple
83%
Spending-Income-Ratio
74%
92%
Family
92%
Spending-Income-Ratio
82%
100%
How do people spend their money in Adelaide?
We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.
The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.
Housing Expenditure27%
27% of total expenses on average (16% to 35%)
| LOW | $98 150 AUD |
| AVERAGE | $1,300 2,000 AUD |
| HIGH | $13,000 20,000 AUD |
| Per Month |
People living in Adelaide typically spend from 16% to 35% of their total monthly expenditure on housing with 27% being the average. The average spend on housing is 2,000 AUD with expenditure ranging from 150 AUD to 20,000 AUD. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.
Utilities, Electricity, Water, Internet, Mobile6%
6% of total expenses on average (3% to 10%)
| LOW | $16 25 AUD |
| AVERAGE | $210 330 AUD |
| HIGH | $2,100 3,300 AUD |
| Per Month |
Utility expenditure like electricity, water, and gas in Adelaide ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 330 AUD with 25 AUD and 3,300 AUD being the upper and lower limits.
Transport, Fuel, Commute9%
9% of total expenses on average (4% to 13%)
| LOW | $33 50 AUD |
| AVERAGE | $420 650 AUD |
| HIGH | $4,200 6,500 AUD |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 50 AUD to 6,500 AUD on commuting with 650 AUD being the norm for most people in one month. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 4% or as high as 13%.
Food and Groceries Cost26%
26% of total expenses on average (18% to 32%)
| LOW | $82 130 AUD |
| AVERAGE | $1,100 1,600 AUD |
| HIGH | $11,000 16,000 AUD |
| Per Month |
The average outlay on groceries in a month in Adelaide is 1,600 AUD. The cost of groceries can range between 130 AUD to 16,000 AUD. People spend on average about 26% on food and groceries with upper and lower bounds of 18% and 32% respectively.
Healthcare and Medical Services8%
8% of total expenses on average (3% to 11%)
| LOW | $23 35 AUD |
| AVERAGE | $300 460 AUD |
| HIGH | $3,000 4,600 AUD |
| Per Month |
People in Adelaide allocate 3% to 11% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 8%. The range of medical expenses range from 35 AUD to 4,600 AUD with 460 AUD being the norm.
Leisure and Shopping6%
6% of total expenses on average (3% to 10%)
| LOW | $13 20 AUD |
| AVERAGE | $170 260 AUD |
| HIGH | $1,700 2,600 AUD |
| Per Month |
This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 20 AUD to 2,600 AUD with 260 AUD being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.
Education and Schooling6%
6% of total expenses on average (4% to 12%)
| LOW | $20 30 AUD |
| AVERAGE | $250 390 AUD |
| HIGH | $2,500 3,900 AUD |
| Per Month |
Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 390 AUD per month with 30 AUD being the minimum spent amount and 3,900 AUD being the maximum.
Other Expenses12%
12% of total expenses on average (7% to 19%)
| LOW | $42 65 AUD |
| AVERAGE | $550 850 AUD |
| HIGH | $5,500 8,500 AUD |
| Per Month |
How much money can you save in Adelaide every month?
We asked thousands of people what percentage of their income can they save in a month. Below are the answers.
What percentage of people in Adelaide manage to save money from their income every month?
Almost 71% of the surveyed people in Adelaide said that they can save some money at the end of each month while 29% said that aren't saving anything.
Percentage of people saving money by population group in Adelaide
| Group | Savers | Non Savers |
|---|
| Singles | 78% | 22% |
| Couples | 73% | 27% |
| Families | 67% | 33% |
Savings-to-Income Ratio
The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.
Saving to Income Ratio
Average Monthly Saved Amount
210 AUD
$140 | 2,700 AUD
$1,800 | 27,000 AUD
$18,000 |
For most people, 11% to 32% of their monthly income is what they can allocate to their savings, with 19% being the average. The amount of money that people can save is approximately 2,700 AUD on average with savings ranging from 210 AUD to 27,000 AUD.
78% of surveyed singles reported some of their income going to savings while 73% of couples said the same. 67% of families confirmed their ability to save money.
How much money do people actually save in Adelaide?
The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.
Singles
Saving to Income Ratio
Average Monthly Saved Amount
210 AUD
$140 | 1,900 AUD
$1,200 | 13,000 AUD
$8,100 |
Savings to income distribution levels for singles
| Saving To Income Ratio | % Singles |
|---|
| 0% - 10% | 28% |
| 10% - 20% | 22% |
| 20% - 30% | 16% |
| 30% - 40% | 17% |
| 40% - 50% | 13% |
| > 50% | 4% |
Interpretation and Analysis
Singles who can afford to save reported that they allocate from 14% to 34% of their monthly income to savings, with 23% being the average for most singles. The average amount of money that singles are able to save is 1,900 AUD with 210 AUD and 13,000 AUD being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
1,000 AUD
$680 | 3,100 AUD
$2,000 | 17,000 AUD
$11,000 |
Savings to income distribution levels for couples
| Saving To Income Ratio | % Couples |
|---|
| 0% - 10% | 32% |
| 10% - 20% | 24% |
| 20% - 30% | 19% |
| 30% - 40% | 12% |
| 40% - 50% | 10% |
| > 50% | 3% |
Interpretation and Analysis
Couples who confirmed their ability to save reported saving equivalent to 12% to 33% of their monthly income, with 21% being the average for most couples. The average amount of money that couples can save is 3,100 AUD with 1,000 AUD and 17,000 AUD being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
1,500 AUD
$950 | 4,200 AUD
$2,700 | 27,000 AUD
$18,000 |
Savings to income distribution levels for families
| Saving To Income Ratio | % Families |
|---|
| 0% - 10% | 35% |
| 10% - 20% | 27% |
| 20% - 30% | 20% |
| 30% - 40% | 9% |
| 40% - 50% | 7% |
| > 50% | 2% |
Interpretation and Analysis
Families in Adelaide can save anywhere between 11% to 30% of their monthly income, with 18% being the average for most families. The average amount of money that families can put aside is 4,200 AUD with 1,500 AUD and 27,000 AUD being the minimum and maximum respectively.
Saving Challenges in Adelaide
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Adelaide. Listed below are the answers given by the survey participants.
| Reason | % People |
|---|
| Low Income | 7% |
| High Expenses | 10% |
| Debt and Loans | 19% |
| Lack of Budgeting Skills | 10% |
| Impulsive Spending | 9% |
| Financial Emergencies | 6% |
| Living the moment | 7% |
| Will do it later | 16% |
| Inflation | 10% |
| Social Pressure | 3% |
| Market Instability | 3% |
Around 7% of the people said that their salary is too low to accommodate a portion for savings while 10% said that the high cost of living leaves little room for savings. 19% of the residents said that they are burdened with debt and find it challenging to save money. 10% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 9% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 16% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 10% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.
Typical saving choices for people in Adelaide
Where do people choose to put their savings?
| Saving Type | % People |
|---|
| Emergency Funds | 10% |
| Gold | 9% |
| Savings Accounts | 17% |
| Retirement Accounts | 12% |
| Cash Savings | 15% |
| Real Estate | 10% |
| Investment | 6% |
| Stocks | 6% |
| Bonds | 7% |
| Mutual Funds | 3% |
| Certificates of Deposit | 3% |
A typical and healthy budgeting structure
The 50/30/20 rule
Spending among different people can vary significantly based on factors such as their income, lifestyle,
location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule,
which suggests allocating your income into three main categories in the following percentages.
50% for needs and financial obligations
This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.
30% for wants and discretionary spending
This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.
20% for savings and emergency fund
This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.
About financial planning, money management, and household budgeting
The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.
Affordable living in Adelaide
Income and cost of living compatibility
We asked residents one simple question and recorded their answers.
Is it affordable or economical to live in Adelaide?
Around 82% of surveyed residents think that living in Adelaide is affordable with proper budgeting while 18% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Adelaide
People are always looking for ways to cut down expenses and reduce expenditures. The hallmark of any affordable place is the availability of discount stores, bargain deals, smart or secondhand shopping, refurbished items, and couponing. We asked residents how easily cost-cutting is and the answers were distributed as follows:
Plenty of low-cost options64%
Few low-cost options36%
Based on the survey, 64% of the people living in Adelaide have no problem finding low-cost alternatives to support a frugal lifestyle while 36% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Emergency Funds
An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked residents of Adelaide whether they have an emergency fund and the answers were as follows.
Yes79%
No21%
Based on the survey, 21% of the people living in Adelaide said that they don't have an emergency fund while 79% said that they do.
Financial Literacy in Australia
Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.
Financial Leteracy73%
We asked residents of Australia whether they acquired any adequate personal financial training in their lives. Approximately 27% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 73% said that they know about the general principles of personal finance from sources other than their own experience.
Difficulty in Budgeting and Financial Planning
We wanted to understand whether residents of Australia have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 27% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 73% said that they have everything under control.
Struggles with finance27%
Easily manages finances73%
Financial goals of people in Adelaide
In an attempt to understand the economic situation in Adelaide, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.
| Financial Goal | % People |
|---|
| Emergency Fund | 6% |
| Debt Reduction | 31% |
| Retirement Savings | 7% |
| Education Funding | 9% |
| Homeownership | 16% |
| Investing | 9% |
| Travel or Lifestyle | 12% |
| Healthcare Expenses | 8% |
| Financial Independence | 9% |
Around 6% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 31% said their number one priority is to pay off high-interest debt or loans and improve credit. 7% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 9% reported that their priority is saving for the tuition fees and education costs of their children while 16% choose to buy a home or pay off existing mortgage before other things. 9% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 12% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 8% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
Retirement, pension plans, and life after work in Adelaide
What does the retirement lifestyle look like in Adelaide and how much retirement savings are required?
Retirement age
The retirement age for most employees in Australia is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.
Retirement planning and savings
There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.
The typical saved amount of money you should have at every age as multiples of monthly salary:| Age | Amount |
|---|
| 25 | 5x monthly salary at age 25 |
| 30 | 10x monthly salary at age 30 |
| 35 | 15x monthly salary at age 35 |
| 40 | 25x monthly salary at age 40 |
| 45 | 32x monthly salary at age 45 |
| 50 | 48x monthly salary at age 50 |
| 55 | 56x monthly salary at age 55 |
| 60 | 64x monthly salary at age 60 |
| 65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Adelaide:| Age | Amount |
|---|
| 25 | 19,000 AUD |
| 30 | 37,000 AUD |
| 35 | 65,000 AUD |
| 40 | 93,000 AUD |
| 45 | 140,000 AUD |
| 50 | 190,000 AUD |
| 55 | 230,000 AUD |
| 60 | 290,000 AUD |
| 65 | 340,000 AUD |
Retirement Income Distribution
We asked residents of Adelaide about their retirement income sources and below are the results.
| Source | % People |
|---|
| Pensions | 14% |
| Savings | 21% |
| Investments | 14% |
| Social Security | 9% |
| Annuities | 9% |
| Part-time Job | 9% |
| Real Estate | 16% |
| Dividends and Interest | 9% |
Retirement Monthly Expenses in Adelaide 360 AUD
$230 | 3,200 AUD
$2,100 | 22,000 AUD
$14,000 |
Debt, loans, and mortgages in Adelaide
Percentage of people who are in debt
According to the survey, 30% of the people in Adelaide have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.
Debt-to-income ratio in Adelaide
Debt to income ratio
30%
20% to 39%
( monthly debt payment / monthly income ) x 100
Interpretation
The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 30% of the people's monthly income in Adelaide goes to debt settlement.
Debt levelsMonthly debt settlement payment as percentage of monthly income
| Debt-to-income ratio | % People |
|---|
| > 60% | 3% |
| 50% - 60% | 10% |
| 40% - 50% | 11% |
| 30% - 40% | 13% |
| 20% - 30% | 16% |
| 10% - 20% | 20% |
| 0% - 10% | 28% |
According to our data, 3% of the debtors in Adelaide pay 60%+ of their income as debt settlement while 10% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 11% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 13% dedicated 30% to 40% of income for same. Things are looking brighter for 16% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Adelaide
| Debt | % People |
|---|
| Real Estate Mortgage | 14% |
| Auto Loan | 24% |
| Student Loan | 3% |
| Credit Card | 24% |
| Personal Loan | 35% |
14% of debtors in Adelaide confirm that real estate mortgages constitutes the main part of their outstanding debt while 24% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 24% of people and personal loans rose at 35%. Lastly, student loans are the main source of debt for 3% of debtors in Adelaide.
About credit score and debt managementManaging debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.
Good debt vs. Bad debt
Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.
Loan Affordability Index in Adelaide
Besides measuring the loan-to-income ratio, we asked residents of Adelaide how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.
Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.
| Frequency | % People |
|---|
| Never | 56% |
| Once a year | 22% |
| Twice a year | 11% |
| Three times a year | 8% |
| Four times a year | 4% |
Housing costs, accommodation, and housing affordability in Adelaide
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Adelaide
Monthly Rent Prices
Studio apartment monthly rent cost
| 590 AUD | 890 AUD | 2,400 AUD |
1-bedroom apartment monthly rent cost
| 890 AUD | 1,400 AUD | 3,600 AUD |
2-bedroom apartment monthly rent cost
| 1,200 AUD | 1,800 AUD | 4,700 AUD |
3-bedroom apartment monthly rent cost
| 1,400 AUD | 2,400 AUD | 6,500 AUD |
Furnished apartment monthly rent cost
| 2,800 AUD | 7,100 AUD | 14,000 AUD |
Townhouse monthly rent cost
| 2,400 AUD | 3,600 AUD | 10,000 AUD |
House monthly rent cost
| 2,800 AUD | 7,100 AUD | 14,000 AUD |
Villa monthly rent cost
| 3,600 AUD | 8,900 AUD | 14,000 AUD |
The monthly rental cost of a studio apartment in Adelaide ranges between 590 AUD and 2,400 AUD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 890 AUD to 3,600 AUD. Two-bedroom rentals rate ranges between 1,200 AUD and 4,700 AUD per month. The monthly rental for a three-bedroom apartment ranges from 1,400 AUD to 6,500 AUD. The average rent of a townhouse in Adelaide is around 3,600 AUD while house rental costs can be as high as 7,100 AUD per month. Finally, if you want to rent a villa, expect to pay anywhere from 3,600 AUD to 14,000 AUD per month.
Apartment and house prices in Adelaide
Cost of buying a property
Studio apartment price
| 120,000 AUD | 180,000 AUD | 360,000 AUD |
| $77,000 | $120,000 | $230,000 |
1-bedroom apartment price
| 140,000 AUD | 240,000 AUD | 890,000 AUD |
| $92,000 | $150,000 | $580,000 |
2-bedroom apartment price
| 240,000 AUD | 710,000 AUD | 1.4M AUD |
| $150,000 | $460,000 | $920,000 |
3-bedroom apartment price
| 790,000 AUD | 1.2M AUD | 3.6M AUD |
Townhouse price
House price
| 1.2M AUD | 7.1M AUD | 10M AUD |
Villa price
| 1.4M AUD | 7.9M AUD | 12M AUD |
The average price of a studio apartment in Adelaide can range from 120,000 AUD to 360,000 AUD depending on location. One bedroom cost can be anywhere from 140,000 AUD to 890,000 AUD. A villa can cost you 7.9M AUD on average with prices ranging from 1.4M AUD to 12M AUD.
If you're leasing or purchasing, housing costs in Adelaide will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.
House / apartment prices to income ratio
Property price to income ratio
( average property price / average monthly income ) x 100
| 44 | x130 monthly income | 226 |
Property prices in Adelaide can be x130 to x226 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x130 multiples of the average monthly salary in Adelaide.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Adelaide is around 34%. This means that people pay 34% of their income for rent. Those figures can range from 23% to 44% depending on the salary, location, and type of property.
The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.
Housing affordability index
The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.
Housing Affordability Index
31% Property Taxes
Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.
Home Maintenance Costs
Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.
Urban vs. rural living costs
Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.
Monthly costs and expenses of energy and basic utilities in Adelaide
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Adelaide
Utility Bill Cost / Electricity + Water + Gas / Individual
Utility Bill Cost / Electricity + Water + Gas / Couple
| 100 AUD | 340 AUD | 2,200 AUD |
Utility Bill Cost / Electricity + Water + Gas / Family
| 180 AUD | 500 AUD | 3,300 AUD |
Internet and cable cost
Mobile phone bill and charges
Because most utility bills club electricity, water, and gas costs in one bill, we can't provide a breakup for each type of utility and will display electricity, gas, and water as single cost.
The average monthly expenditure for individuals on electricty, water, and gas in Adelaide ranges between 39 AUD and 1,800 AUD with average being 270 AUD, meanwhile the expenditure of couples is slightly higher at 340 AUD with 100 AUD and 2,200 AUD being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 500 AUD. The cost of internet and WiFi is unchanged among the three groups and ranges from 35 AUD to 93 AUD with 70 AUD being the average internet bill. Finally, the average monthly mobile charges is around 47 AUD but can range between 28 AUD and 140 AUD depending on consumption. Mobile charges include both calling minutes as well as data packages.
Energy / Utility expense to income ratio
( monthly utility expenses / monthly income ) x 100
The average utility-to-income ratio in Adelaide is around 5.3%. This means that people pay 5.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.1% to 9.5% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Adelaide
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Adelaide
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Adelaide is approximatly 14 AUD with meal cost ranging from 7 AUD to 23 AUD. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 24 AUD and 71 AUD with 35 AUD being the average price of a plate for one person at a regular restaurant in Adelaide.
Fine dining meal for one price
The price range of a meal at fine-dining restaurant is 47 AUD to 280 AUD with the average cost being 71 AUD for one person. This is what you would expect to pay a top-tier diner in Adelaide.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Adelaide is around 9.3 AUD. Price ranges between 5.8 AUD and 14 AUD depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Adelaide is 5.6 AUD. The maximum what you would pay for milk is 7 AUD and the minimum being 4.7 AUD depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 4.7 AUD on average with 3.5 AUD and 7 AUD being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Adelaide is between 7.9 AUD and 15 AUD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 10 AUD.
Pack of beef price
The price of a regular pack of beef or meat is around 14 AUD. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Adelaide costs around 5.1 AUD on average with prices rangeing between 3.8 AUD and 7.3 AUD depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 1.4 AUD to 3.5 AUD. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 3.3 AUD on average. A bag of apples denotes 1Kg or 1lb depending on location.
Grocery and food expenditure to income ratio
( monthly grocery expenses / monthly income ) x 100
The average grocery-to-income ratio in Adelaide is around 26%. This means that people spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 33% depending on salary and location.
Expenditure on food and grocery for every population group
A single person living alone spends approximately 720 AUD per month on grocery and food with expenditure fluctuating between 100 AUD and 4,800 AUD depending on location and the type of person. The average cost of food and groceries for a couple is around 1,100 AUD per month. That number can be get as low as 350 AUD or a high as 5,600 AUD. Families' spending on grocery ranges from 630 AUD to 12,000 AUD with the location, income, and size of the family being the most determinite factors.
SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Adelaide
Housing cost for a single person33%
33% of total expenses on average (21% to 45%)
| LOW | $150 230 AUD |
| AVERAGE | $1,100 1,600 AUD |
| HIGH | $7,100 11,000 AUD |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile7%
7% of total expenses on average (3% to 12%)
| LOW | $25 39 AUD |
| AVERAGE | $180 270 AUD |
| HIGH | $1,200 1,800 AUD |
| Per Month |
Transport and Fuel Cost7%
7% of total expenses on average (5% to 13%)
| LOW | $34 52 AUD |
| AVERAGE | $240 360 AUD |
| HIGH | $1,600 2,400 AUD |
| Per Month |
Food and Groceries Cost17%
17% of total expenses on average (11% to 22%)
| LOW | $67 100 AUD |
| AVERAGE | $470 720 AUD |
| HIGH | $3,100 4,800 AUD |
| Per Month |
Healthcare Cost10%
10% of total expenses on average (4% to 14%)
| LOW | $38 58 AUD |
| AVERAGE | $260 410 AUD |
| HIGH | $1,800 2,700 AUD |
| Per Month |
Leisure and Shopping Expenditure4%
4% of total expenses on average (3% to 7%)
| LOW | $21 32 AUD |
| AVERAGE | $150 230 AUD |
| HIGH | $980 1,500 AUD |
| Per Month |
Education Cost2%
2% of total expenses on average (1% to 4%)
| LOW | $8.4 13 AUD |
| AVERAGE | $59 91 AUD |
| HIGH | $390 600 AUD |
| Per Month |
Other Expenses20%
20% of total expenses on average (12% to 24%)
| LOW | $75 120 AUD |
| AVERAGE | $530 810 AUD |
| HIGH | $3,500 5,400 AUD |
| Per Month |
CoupleAverage monthly living expenditure breaks and spending patterns for couples in Adelaide
Housing cost for a couple30%
30% of total expenses on average (23% to 40%)
| LOW | $550 860 AUD |
| AVERAGE | $1,700 2,600 AUD |
| HIGH | $8,900 14,000 AUD |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile6%
6% of total expenses on average (4% to 10%)
| LOW | $65 100 AUD |
| AVERAGE | $220 340 AUD |
| HIGH | $1,400 2,200 AUD |
| Per Month |
Transport and Fuel Cost11%
11% of total expenses on average (5% to 16%)
| LOW | $200 300 AUD |
| AVERAGE | $590 910 AUD |
| HIGH | $3,100 4,800 AUD |
| Per Month |
Food and Groceries Cost15%
15% of total expenses on average (10% to 20%)
| LOW | $230 350 AUD |
| AVERAGE | $690 1,100 AUD |
| HIGH | $3,700 5,600 AUD |
| Per Month |
Healthcare Cost12%
12% of total expenses on average (6% to 16%)
| LOW | $180 280 AUD |
| AVERAGE | $540 830 AUD |
| HIGH | $2,900 4,400 AUD |
| Per Month |
Leisure and Shopping Cost5%
5% of total expenses on average (2% to 8%)
| LOW | $98 150 AUD |
| AVERAGE | $290 450 AUD |
| HIGH | $1,600 2,400 AUD |
| Per Month |
Education Cost2%
2% of total expenses on average (1% to 4%)
| LOW | $33 50 AUD |
| AVERAGE | $98 150 AUD |
| HIGH | $520 800 AUD |
| Per Month |
Other Expenses19%
19% of total expenses on average (13% to 25%)
| LOW | $280 430 AUD |
| AVERAGE | $830 1,300 AUD |
| HIGH | $4,400 6,800 AUD |
| Per Month |
FamilyAverage monthly expenses and break out of spending for families living in Adelaide
Housing cost for a family29%
29% of total expenses on average (24% to 39%)
| LOW | $730 1,100 AUD |
| AVERAGE | $2,100 3,200 AUD |
| HIGH | $14,000 21,000 AUD |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile4%
4% of total expenses on average (2% to 7%)
| LOW | $110 180 AUD |
| AVERAGE | $330 500 AUD |
| HIGH | $2,100 3,300 AUD |
| Per Month |
Transport and Fuel Expenses7%
7% of total expenses on average (5% to 9%)
| LOW | $230 350 AUD |
| AVERAGE | $650 1,000 AUD |
| HIGH | $4,200 6,500 AUD |
| Per Month |
Food and Groceries Cost19%
19% of total expenses on average (12% to 25%)
| LOW | $410 630 AUD |
| AVERAGE | $1,200 1,800 AUD |
| HIGH | $7,600 12,000 AUD |
| Per Month |
Healthcare Expenses9%
9% of total expenses on average (5% to 14%)
| LOW | $210 320 AUD |
| AVERAGE | $650 1,000 AUD |
| HIGH | $3,400 5,200 AUD |
| Per Month |
Leisure and Shopping Cost4%
4% of total expenses on average (2% to 8%)
| LOW | $110 180 AUD |
| AVERAGE | $330 500 AUD |
| HIGH | $2,100 3,300 AUD |
| Per Month |
Education Cost14%
14% of total expenses on average (7% to 22%)
| LOW | $320 490 AUD |
| AVERAGE | $910 1,400 AUD |
| HIGH | $5,900 9,200 AUD |
| Per Month |
Other Expenses14%
14% of total expenses on average (7% to 19%)
| LOW | $180 280 AUD |
| AVERAGE | $520 800 AUD |
| HIGH | $3,400 5,200 AUD |
| Per Month |
StudentCost of living and expenses break down for students living in Adelaide
Housing costs for Student21%
21% of total expenses on average (16% to 27%)
| LOW | $78 120 AUD |
| AVERAGE | $510 780 AUD |
| HIGH | $3,400 5,200 AUD |
| Per Month |
Utilities, Electricity, Water, Internet, and Mobile Expenses5%
5% of total expenses on average (3% to 9%)
| LOW | $13 20 AUD |
| AVERAGE | $84 130 AUD |
| HIGH | $560 870 AUD |
| Per Month |
Transport and Fuel Cost6%
6% of total expenses on average (5% to 12%)
| LOW | $23 35 AUD |
| AVERAGE | $150 230 AUD |
| HIGH | $980 1,500 AUD |
| Per Month |
Food and Groceries Expenditure21%
21% of total expenses on average (15% to 25%)
| LOW | $65 100 AUD |
| AVERAGE | $420 650 AUD |
| HIGH | $2,800 4,300 AUD |
| Per Month |
Healthcare Cost7%
7% of total expenses on average (4% to 10%)
| LOW | $20 30 AUD |
| AVERAGE | $130 190 AUD |
| HIGH | $840 1,300 AUD |
| Per Month |
Leisure and Shopping Cost4%
4% of total expenses on average (2% to 8%)
| LOW | $16 25 AUD |
| AVERAGE | $110 160 AUD |
| HIGH | $700 1,100 AUD |
| Per Month |
Education Cost19%
19% of total expenses on average (12% to 24%)
| LOW | $62 96 AUD |
| AVERAGE | $400 620 AUD |
| HIGH | $2,700 4,100 AUD |
| Per Month |
Other Expenses17%
17% of total expenses on average (11% to 23%)
| LOW | $49 75 AUD |
| AVERAGE | $320 490 AUD |
| HIGH | $2,100 3,200 AUD |
| Per Month |
