Cost Of Living in Amman 2025

Average monthly spending for singles, couples, students, and families in Amman

Whether you're living in Amman 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.

Expenditure to Income Ratio in Amman

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.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Amman is 91% This means that on average, people spend around 91% of their income for living. According to the distribution table, 17% of the population spend approximately 60% to 70% of their income every month.

Individual
82%
Spending-Income-Ratio

---

73%

91%

Couple
86%
Spending-Income-Ratio

---

77%

96%

Family
96%
Spending-Income-Ratio

---

85%

110%

How do people spend their money in Amman?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

People living in Amman typically spend from 14% to 33% of their total monthly expenditure on housing with 25% being the average. The average spend on housing is 560 JOD with expenditure ranging from 43 JOD to 5,600 JOD. 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.

Utility expenditure like electricity, water, and gas in Amman ranges from 4% to 11% of total expenses with 7% being the average. The average monthly cost of utilities is 94 JOD with 7.2 JOD and 940 JOD being the upper and lower limits.

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 14 JOD to 1,900 JOD on commuting with 190 JOD being the norm for most people in one month. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 4% or as high as 12%.

The average outlay on groceries in a month in Amman is 470 JOD. The cost of groceries can range between 36 JOD to 4,700 JOD. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

People in Amman allocate 4% to 12% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 9%. The range of medical expenses range from 10 JOD to 1,300 JOD with 130 JOD being the norm.

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 5.8 JOD to 750 JOD with 75 JOD being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 5% for most residents.

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 110 JOD per month with 8.7 JOD being the minimum spent amount and 1,100 JOD being the maximum.

Typical saving choices for people in Amman

Where do people choose to put their savings?

SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Amman

Financial Literacy in

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 Leteracy60%

We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 40% 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 60% 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 have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 43% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 57% said that they have everything under control.

Struggles with finance43%

Easily manages finances57%

Singles

The average monthly expense for a single person living in Amman is 1,300 JOD. Expenses can range from 180 JOD at the minimum level to 8,700 JOD at the highest end.

Couples

The average monthly spending of couples in Amman is 2,200 JOD. Expenditure can range from 720 JOD to 12,000 JOD per month.

Families

The average cost of living for families in Amman is 2,900 JOD per month. Families spend anywhere from 1,000 JOD to 19,000 JOD.

Students

The average monthly expenditure for students in Amman is 950 JOD. Students spend from 140 JOD to 6,300 JOD per month.

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

Affordable living in Amman

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Amman?

Around 71% of surveyed residents think that living in Amman is affordable with proper budgeting while 29% reported that it is just too expensive and not affordable even with frugality and thriftness.

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 whether they have an emergency fund and the answers were as follows.

Yes67%

No33%

Based on the survey, 33% of the people living in Amman said that they don't have an emergency fund while 67% said that they do.

Saving Challenges in Amman

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Amman. Listed below are the answers given by the survey participants.

Around 6% of the people said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 16% of the residents said that they are burdened with debt and find it challenging to save money. 11% 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. 10% 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. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 19% 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. 12% 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.

Low-cost alternatives in Amman

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 options62%

Few low-cost options38%

Based on the survey, 62% of the people living in Amman have no problem finding low-cost alternatives to support a frugal lifestyle while 38% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Retirement, pension plans, and life after work in Amman

What does the retirement lifestyle look like in Amman and how much retirement savings are required?

Retirement age

The retirement age for most employees in 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.

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Retirement Monthly Expenses in Amman

Financial goals of people in Amman

In an attempt to understand the economic situation in Amman, 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.

Around 7% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 38% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 9% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 11% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Housing costs, accommodation, and housing affordability in Amman

Rent Cost in Amman

Monthly Rent Prices

Studio apartment monthly rent cost

160 JOD

250 JOD

660 JOD

MINIMUM

AVERAGE

MAXIMUM

$230

$350

$930

1-bedroom apartment monthly rent cost

250 JOD

390 JOD

990 JOD

MINIMUM

AVERAGE

MAXIMUM

$350

$560

$1,400

2-bedroom apartment monthly rent cost

330 JOD

490 JOD

1,300 JOD

MINIMUM

AVERAGE

MAXIMUM

$460

$690

$1,900

3-bedroom apartment monthly rent cost

390 JOD

660 JOD

1,800 JOD

MINIMUM

AVERAGE

MAXIMUM

$560

$930

$2,500

Furnished apartment monthly rent cost

790 JOD

2,000 JOD

3,900 JOD

MINIMUM

AVERAGE

MAXIMUM

$1,100

$2,800

$5,600

Townhouse monthly rent cost

660 JOD

990 JOD

2,800 JOD

MINIMUM

AVERAGE

MAXIMUM

$930

$1,400

$4,000

House monthly rent cost

790 JOD

2,000 JOD

3,900 JOD

MINIMUM

AVERAGE

MAXIMUM

$1,100

$2,800

$5,600

Villa monthly rent cost

990 JOD

2,500 JOD

3,900 JOD

MINIMUM

AVERAGE

MAXIMUM

$1,400

$3,500

$5,600

The monthly rental cost of a studio apartment in Amman ranges between 160 JOD and 660 JOD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 250 JOD to 990 JOD. Two-bedroom rentals rate ranges between 330 JOD and 1,300 JOD per month. The monthly rental for a three-bedroom apartment ranges from 390 JOD to 1,800 JOD. The average rent of a townhouse in Amman is around 990 JOD while house rental costs can be as high as 2,000 JOD per month. Finally, if you want to rent a villa, expect to pay anywhere from 990 JOD to 3,900 JOD per month.

Apartment and house prices in Amman

Cost of buying a property

Studio apartment price

33,000 JOD

49,000 JOD

99,000 JOD

MINIMUM

AVERAGE

MAXIMUM

$46,000

$69,000

$140,000

1-bedroom apartment price

39,000 JOD

66,000 JOD

250,000 JOD

MINIMUM

AVERAGE

MAXIMUM

$56,000

$93,000

$350,000

2-bedroom apartment price

66,000 JOD

200,000 JOD

390,000 JOD

MINIMUM

AVERAGE

MAXIMUM

$93,000

$280,000

$560,000

3-bedroom apartment price

220,000 JOD

330,000 JOD

990,000 JOD

MINIMUM

AVERAGE

MAXIMUM

$310,000

$460,000

$1.4M

Townhouse price

280,000 JOD

660,000 JOD

2.5M JOD

MINIMUM

AVERAGE

MAXIMUM

$400,000

$930,000

$3.5M

House price

330,000 JOD

2M JOD

2.8M JOD

MINIMUM

AVERAGE

MAXIMUM

$460,000

$2.8M

$4M

Villa price

390,000 JOD

2.2M JOD

3.3M JOD

MINIMUM

AVERAGE

MAXIMUM

$560,000

$3.1M

$4.6M

The average price of a studio apartment in Amman can range from 33,000 JOD to 99,000 JOD depending on location. One bedroom cost can be anywhere from 39,000 JOD to 250,000 JOD. A villa can cost you 2.2M JOD on average with prices ranging from 390,000 JOD to 3.3M JOD.

House / apartment prices to income ratio

Property prices in Amman can be x134 to x233 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x134 multiples of the average monthly salary in Amman.

Rent to income ratio

The average rent-to-income ratio in Amman is around 35%. This means that people pay 35% of their income for rent. Those figures can range from 24% to 46% depending on the salary, location, and type of property.

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.

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.

FamilyAverage monthly expenses and break out of spending for families living in Amman

Debt, loans, and mortgages in Amman

Percentage of people who are in debt

According to the survey, 34% of the people in Amman have some kind of debt, loan, mortgage, or credit card payments while 66% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Amman

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 31% of the people's monthly income in Amman goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Amman pay 60%+ of their income as debt settlement while 15% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 13% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 15% dedicated 30% to 40% of income for same. Things are looking brighter for 13% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Amman

11% of debtors in Amman confirm that real estate mortgages constitutes the main part of their outstanding debt while 27% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 19% of people and personal loans rose at 40%. Lastly, student loans are the main source of debt for 3% of debtors in Amman.

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 Amman

Besides measuring the loan-to-income ratio, we asked residents 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.

Monthly costs and expenses of energy and basic utilities in Amman

Energy, electricity, water, gas, internet, and mobile cost in Amman

Utility Bill Cost / Electricity + Water + Gas / Individual

11 JOD

78 JOD

520 JOD

MINIMUM

AVERAGE

MAXIMUM

$16

$110

$730

Utility Bill Cost / Electricity + Water + Gas / Couple

29 JOD

97 JOD

640 JOD

MINIMUM

AVERAGE

MAXIMUM

$41

$140

$900

Utility Bill Cost / Electricity + Water + Gas / Family

51 JOD

140 JOD

940 JOD

MINIMUM

AVERAGE

MAXIMUM

$71

$200

$1,300

Internet and cable cost

9 JOD

18 JOD

24 JOD

MINIMUM

AVERAGE

MAXIMUM

$13

$25

$34

Mobile phone bill and charges

7.2 JOD

12 JOD

36 JOD

MINIMUM

AVERAGE

MAXIMUM

$10

$17

$51

The average monthly expenditure for individuals on electricty, water, and gas in Amman ranges between 11 JOD and 520 JOD with average being 78 JOD, meanwhile the expenditure of couples is slightly higher at 97 JOD with 29 JOD and 640 JOD 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 140 JOD. The cost of internet and WiFi is unchanged among the three groups and ranges from 9 JOD to 24 JOD with 18 JOD being the average internet bill. Finally, the average monthly mobile charges is around 12 JOD but can range between 7.2 JOD and 36 JOD depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Amman is around 5.5%. This means that people pay 5.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.2% to 9.9% depending on salary and location.

How much money can you save in Amman 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 Amman manage to save money from their income every month?

Almost 65% of the surveyed people in Amman said that they can save some money at the end of each month while 35% said that aren't saving anything.

Percentage of people saving money by population group in Amman

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 13% to 35% of their monthly income is what they can allocate to their savings, with 23% being the average. The amount of money that people can save is approximately 680 JOD on average with savings ranging from 53 JOD to 6,800 JOD.

74% of surveyed singles reported some of their income going to savings while 68% of couples said the same. 63% of families confirmed their ability to save money.

How much money do people actually save in Amman?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 16% to 37% of their monthly income to savings, with 27% being the average for most singles. The average amount of money that singles are able to save is 470 JOD with 53 JOD and 3,200 JOD being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 14% to 36% of their monthly income, with 25% being the average for most couples. The average amount of money that couples can save is 790 JOD with 260 JOD and 4,200 JOD being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Amman can save anywhere between 13% to 33% of their monthly income, with 22% being the average for most families. The average amount of money that families can put aside is 1,100 JOD with 370 JOD and 6,800 JOD being the minimum and maximum respectively.

Food Prices, Dining Expenses, and Grocery Costs in Amman

Prices and cost of goods and services in Amman

Dining out, food, and beverages costs. Price variations for common food items.

Fast food combo meal price

1.8 JOD

3.6 JOD

6 JOD

MINIMUM

AVERAGE

MAXIMUM

$2.5

$5.1

$8.4

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Amman is approximatly 3.6 JOD with meal cost ranging from 1.8 JOD to 6 JOD. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

6.3 JOD

9.4 JOD

19 JOD

MINIMUM

AVERAGE

MAXIMUM

$8.8

$13

$27

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 6.3 JOD and 19 JOD with 9.4 JOD being the average price of a plate for one person at a regular restaurant in Amman.

Fine dining meal for one price

13 JOD

19 JOD

75 JOD

MINIMUM

AVERAGE

MAXIMUM

$18

$27

$110

The price range of a meal at fine-dining restaurant is 13 JOD to 75 JOD with the average cost being 19 JOD for one person. This is what you would expect to pay a top-tier diner in Amman.

Beverage prices, cappuccino, latte etc..

1.5 JOD

2.4 JOD

3.6 JOD

MINIMUM

AVERAGE

MAXIMUM

$2.1

$3.4

$5.1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Amman is around 2.4 JOD. Price ranges between 1.5 JOD and 3.6 JOD depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

1.2 JOD

1.4 JOD

1.8 JOD

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2

$2.5

The average price of a large bottle of milk in Amman is 1.4 JOD. The maximum what you would pay for milk is 1.8 JOD and the minimum being 1.2 JOD depending on the brand of milk and other properties.

12 eggs price

0.90 JOD

1.2 JOD

1.8 JOD

MINIMUM

AVERAGE

MAXIMUM

$1.3

$1.7

$2.5

A dozen eggs costs around 1.2 JOD on average with 0.90 JOD and 1.8 JOD being the lower and upper limits respectively.

Fresh whole chicken price

2 JOD

2.6 JOD

3.7 JOD

MINIMUM

AVERAGE

MAXIMUM

$2.9

$3.7

$5.3

The price range of a fresh whole chicken in Amman is between 2 JOD and 3.7 JOD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 2.6 JOD.

Pack of beef price

2.4 JOD

3.6 JOD

7.2 JOD

MINIMUM

AVERAGE

MAXIMUM

$3.4

$5.1

$10

The price of a regular pack of beef or meat is around 3.6 JOD. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

0.96 JOD

1.3 JOD

1.9 JOD

MINIMUM

AVERAGE

MAXIMUM

$1.4

$1.9

$2.6

A bag of rice in Amman costs around 1.3 JOD on average with prices rangeing between 0.96 JOD and 1.9 JOD depending on the brand and quality.

Bag of tomatos price

0.36 JOD

0.48 JOD

0.90 JOD

MINIMUM

AVERAGE

MAXIMUM

$0.50

$0.67

$1.3

A bag of tomatoes costs anywhere from 0.36 JOD to 0.90 JOD. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

0.64 JOD

0.84 JOD

1.4 JOD

MINIMUM

AVERAGE

MAXIMUM

$0.90

$1.2

$1.9

A bag of apples costs 0.84 JOD on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Amman is around 27%. This means that people spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 34% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 210 JOD per month on grocery and food with expenditure fluctuating between 29 JOD and 1,400 JOD depending on location and the type of person. The average cost of food and groceries for a couple is around 300 JOD per month. That number can be get as low as 100 JOD or a high as 1,600 JOD. Families' spending on grocery ranges from 180 JOD to 3,400 JOD with the location, income, and size of the family being the most determinite factors.

CoupleAverage monthly living expenditure breaks and spending patterns for couples in Amman

StudentCost of living and expenses break down for students living in Amman