Cost Of Living in Biskra 2024

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

Whether you're living in Biskra 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.

Singles

The average monthly expense for a single person living in Biskra is 140,000 DZD. Expenses can range from 19,000 DZD at the minimum level to 920,000 DZD at the highest end.

Couples

The average monthly spending of couples in Biskra is 230,000 DZD. Expenditure can range from 77,000 DZD to 1.2M DZD per month.

Families

The average cost of living for families in Biskra is 310,000 DZD per month. Families spend anywhere from 110,000 DZD to 2M DZD.

Students

The average monthly expenditure for students in Biskra is 100,000 DZD. Students spend from 15,000 DZD to 680,000 DZD per month.

Expenditure to Income Ratio in Biskra

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 Biskra is 78% This means that on average, people spend around 78% of their income for living. According to the distribution table, 14% of the population spend approximately 60% to 70% of their income every month.

Individual
70%
Spending-Income-Ratio

---

64%

77%

Couple
74%
Spending-Income-Ratio

---

68%

81%

Family
82%
Spending-Income-Ratio

---

75%

89%

How do people spend their money in Biskra?

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

People living in Biskra typically spend from 11% to 30% of their total monthly expenditure on housing with 22% being the average. The average spend on housing is 60,000 DZD with expenditure ranging from 4,600 DZD to 600,000 DZD. 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 Biskra ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 10,000 DZD with 770 DZD and 100,000 DZD 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 1,500 DZD to 200,000 DZD on commuting with 20,000 DZD being the norm for most people in one month. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 3% or as high as 10%.

The average outlay on groceries in a month in Biskra is 50,000 DZD. The cost of groceries can range between 3,800 DZD to 500,000 DZD. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

People in Biskra allocate 6% to 14% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 11%. The range of medical expenses range from 1,100 DZD to 140,000 DZD with 14,000 DZD 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 610 DZD to 80,000 DZD with 8,000 DZD being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% 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 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 12,000 DZD per month with 920 DZD being the minimum spent amount and 120,000 DZD being the maximum.

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

Almost 52% of the surveyed people in Biskra said that they can save some money at the end of each month while 48% said that aren't saving anything.

Percentage of people saving money by population group in Biskra

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 7.2% to 25% of their monthly income is what they can allocate to their savings, with 13% being the average. The amount of money that people can save is approximately 62,000 DZD on average with savings ranging from 4,800 DZD to 620,000 DZD.

53% of surveyed singles reported some of their income going to savings while 49% of couples said the same. 44% of families confirmed their ability to save money.

How much money do people actually save in Biskra?

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 9.8% to 27% of their monthly income to savings, with 17% being the average for most singles. The average amount of money that singles are able to save is 43,000 DZD with 4,800 DZD and 290,000 DZD 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 8.1% to 26% of their monthly income, with 15% being the average for most couples. The average amount of money that couples can save is 72,000 DZD with 24,000 DZD and 380,000 DZD 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 Biskra can save anywhere between 7.2% to 24% of their monthly income, with 13% being the average for most families. The average amount of money that families can put aside is 96,000 DZD with 34,000 DZD and 620,000 DZD being the minimum and maximum respectively.

Saving Challenges in Biskra

Reasons that make it difficult for people to save money

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

Around 4% of the people said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 11% of the residents said that they are burdened with debt and find it challenging to save money. 12% 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. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 22% 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. 14% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Typical saving choices for people in Biskra

Where do people choose to put their savings?

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 Biskra

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Biskra?

Around 47% of surveyed residents think that living in Biskra is affordable with proper budgeting while 53% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Biskra

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 options51%

Few low-cost options49%

Based on the survey, 51% of the people living in Biskra have no problem finding low-cost alternatives to support a frugal lifestyle while 49% 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 Biskra whether they have an emergency fund and the answers were as follows.

Yes47%

No53%

Based on the survey, 53% of the people living in Biskra said that they don't have an emergency fund while 47% said that they do.

Financial Literacy in Algeria

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 Leteracy48%

We asked residents of Algeria whether they acquired any adequate personal financial training in their lives. Approximately 52% 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 48% 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 Algeria have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 44% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 56% said that they have everything under control.

Struggles with finance44%

Easily manages finances56%

Financial goals of people in Biskra

In an attempt to understand the economic situation in Biskra, 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 9% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 46% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 5% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 16% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Biskra

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

Retirement age

The retirement age for most employees in Algeria 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 of Biskra about their retirement income sources and below are the results.

Retirement Monthly Expenses in Biskra

Debt, loans, and mortgages in Biskra

Percentage of people who are in debt

According to the survey, 25% of the people in Biskra have some kind of debt, loan, mortgage, or credit card payments while 75% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Biskra

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 29% of the people's monthly income in Biskra goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 4% of the debtors in Biskra pay 60%+ of their income as debt settlement while 21% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 16% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 18% dedicated 30% to 40% of income for same. Things are looking brighter for 8% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Biskra

6% of debtors in Biskra confirm that real estate mortgages constitutes the main part of their outstanding debt while 32% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 12% of people and personal loans rose at 46%. Lastly, student loans are the main source of debt for 4% of debtors in Biskra.

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 Biskra

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

Housing costs, accommodation, and housing affordability in Biskra

Rent Cost in Biskra

Monthly Rent Prices

Studio apartment monthly rent cost

17,000 DZD

25,000 DZD

67,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$120

$190

$500

1-bedroom apartment monthly rent cost

25,000 DZD

40,000 DZD

100,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$190

$300

$750

2-bedroom apartment monthly rent cost

34,000 DZD

50,000 DZD

130,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$250

$370

$1,000

3-bedroom apartment monthly rent cost

40,000 DZD

67,000 DZD

180,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$300

$500

$1,400

Furnished apartment monthly rent cost

81,000 DZD

200,000 DZD

400,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$600

$1,500

$3,000

Townhouse monthly rent cost

67,000 DZD

100,000 DZD

290,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$500

$750

$2,100

House monthly rent cost

81,000 DZD

200,000 DZD

400,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$600

$1,500

$3,000

Villa monthly rent cost

100,000 DZD

250,000 DZD

400,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$750

$1,900

$3,000

The monthly rental cost of a studio apartment in Biskra ranges between 17,000 DZD and 67,000 DZD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 25,000 DZD to 100,000 DZD. Two-bedroom rentals rate ranges between 34,000 DZD and 130,000 DZD per month. The monthly rental for a three-bedroom apartment ranges from 40,000 DZD to 180,000 DZD. The average rent of a townhouse in Biskra is around 100,000 DZD while house rental costs can be as high as 200,000 DZD per month. Finally, if you want to rent a villa, expect to pay anywhere from 100,000 DZD to 400,000 DZD per month.

Apartment and house prices in Biskra

Cost of buying a property

Studio apartment price

3.4M DZD

5M DZD

10M DZD

MINIMUM

AVERAGE

MAXIMUM

$25,000

$37,000

$75,000

1-bedroom apartment price

4M DZD

6.7M DZD

25M DZD

MINIMUM

AVERAGE

MAXIMUM

$30,000

$50,000

$190,000

2-bedroom apartment price

6.7M DZD

20M DZD

40M DZD

MINIMUM

AVERAGE

MAXIMUM

$50,000

$150,000

$300,000

3-bedroom apartment price

22M DZD

34M DZD

100M DZD

MINIMUM

AVERAGE

MAXIMUM

$170,000

$250,000

$750,000

Townhouse price

29M DZD

67M DZD

250M DZD

MINIMUM

AVERAGE

MAXIMUM

$210,000

$500,000

$1.9M

House price

34M DZD

200M DZD

290M DZD

MINIMUM

AVERAGE

MAXIMUM

$250,000

$1.5M

$2.1M

Villa price

40M DZD

220M DZD

340M DZD

MINIMUM

AVERAGE

MAXIMUM

$300,000

$1.7M

$2.5M

The average price of a studio apartment in Biskra can range from 3.4M DZD to 10M DZD depending on location. One bedroom cost can be anywhere from 4M DZD to 25M DZD. A villa can cost you 220M DZD on average with prices ranging from 40M DZD to 340M DZD.

House / apartment prices to income ratio

Property prices in Biskra can be x79 to x173 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x79 multiples of the average monthly salary in Biskra.

Rent to income ratio

The average rent-to-income ratio in Biskra is around 26%. This means that people pay 26% of their income for rent. Those figures can range from 17% to 35% 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.

Monthly costs and expenses of energy and basic utilities in Biskra

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

Utility Bill Cost / Electricity + Water + Gas / Individual

1,200 DZD

8,300 DZD

55,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$8.6

$62

$410

Utility Bill Cost / Electricity + Water + Gas / Couple

3,100 DZD

10,000 DZD

67,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$23

$77

$500

Utility Bill Cost / Electricity + Water + Gas / Family

5,400 DZD

15,000 DZD

100,000 DZD

MINIMUM

AVERAGE

MAXIMUM

$40

$110

$740

Internet and cable cost

1,100 DZD

2,100 DZD

2,900 DZD

MINIMUM

AVERAGE

MAXIMUM

$8

$16

$21

Mobile phone bill and charges

860 DZD

1,400 DZD

4,300 DZD

MINIMUM

AVERAGE

MAXIMUM

$6.4

$11

$32

The average monthly expenditure for individuals on electricty, water, and gas in Biskra ranges between 1,200 DZD and 55,000 DZD with average being 8,300 DZD, meanwhile the expenditure of couples is slightly higher at 10,000 DZD with 3,100 DZD and 67,000 DZD 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 15,000 DZD. The cost of internet and WiFi is unchanged among the three groups and ranges from 1,100 DZD to 2,900 DZD with 2,100 DZD being the average internet bill. Finally, the average monthly mobile charges is around 1,400 DZD but can range between 860 DZD and 4,300 DZD 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 Biskra is around 5.4%. This means that people pay 5.4% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.7% to 9% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Biskra

Prices and cost of goods and services in Biskra

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

Fast food combo meal price

210 DZD

430 DZD

720 DZD

MINIMUM

AVERAGE

MAXIMUM

$1.6

$3.2

$5.3

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Biskra is approximatly 430 DZD with meal cost ranging from 210 DZD to 720 DZD. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

690 DZD

1,000 DZD

2,100 DZD

MINIMUM

AVERAGE

MAXIMUM

$5.2

$7.7

$15

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 690 DZD and 2,100 DZD with 1,000 DZD being the average price of a plate for one person at a regular restaurant in Biskra.

Fine dining meal for one price

1,400 DZD

2,100 DZD

8,300 DZD

MINIMUM

AVERAGE

MAXIMUM

$10

$15

$62

The price range of a meal at fine-dining restaurant is 1,400 DZD to 8,300 DZD with the average cost being 2,100 DZD for one person. This is what you would expect to pay a top-tier diner in Biskra.

Beverage prices, cappuccino, latte etc..

180 DZD

290 DZD

430 DZD

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2.1

$3.2

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Biskra is around 290 DZD. Price ranges between 180 DZD and 430 DZD depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

140 DZD

170 DZD

210 DZD

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.3

$1.6

The average price of a large bottle of milk in Biskra is 170 DZD. The maximum what you would pay for milk is 210 DZD and the minimum being 140 DZD depending on the brand of milk and other properties.

12 eggs price

110 DZD

140 DZD

210 DZD

MINIMUM

AVERAGE

MAXIMUM

$0.80

$1.1

$1.6

A dozen eggs costs around 140 DZD on average with 110 DZD and 210 DZD being the lower and upper limits respectively.

Fresh whole chicken price

240 DZD

320 DZD

450 DZD

MINIMUM

AVERAGE

MAXIMUM

$1.8

$2.3

$3.3

The price range of a fresh whole chicken in Biskra is between 240 DZD and 450 DZD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 320 DZD.

Pack of beef price

290 DZD

430 DZD

860 DZD

MINIMUM

AVERAGE

MAXIMUM

$2.1

$3.2

$6.4

The price of a regular pack of beef or meat is around 430 DZD. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

120 DZD

160 DZD

220 DZD

MINIMUM

AVERAGE

MAXIMUM

$0.86

$1.2

$1.7

A bag of rice in Biskra costs around 160 DZD on average with prices rangeing between 120 DZD and 220 DZD depending on the brand and quality.

Bag of tomatos price

43 DZD

57 DZD

110 DZD

MINIMUM

AVERAGE

MAXIMUM

$0.32

$0.43

$0.80

A bag of tomatoes costs anywhere from 43 DZD to 110 DZD. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

77 DZD

100 DZD

170 DZD

MINIMUM

AVERAGE

MAXIMUM

$0.57

$0.75

$1.2

A bag of apples costs 100 DZD 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 Biskra is around 24%. This means that people spend 24% of their income on grocery and basic household items. The expenditure can range from 17% to 30% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 22,000 DZD per month on grocery and food with expenditure fluctuating between 3,100 DZD and 150,000 DZD depending on location and the type of person. The average cost of food and groceries for a couple is around 32,000 DZD per month. That number can be get as low as 11,000 DZD or a high as 170,000 DZD. Families' spending on grocery ranges from 19,000 DZD to 360,000 DZD 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 Biskra

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

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

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