Cost Of Living in Bulawayo 2025

cost of living chart - average monthly expenditure in Bulawayo

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

Whether you're living in Bulawayo 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: ZWL
18,000 230,000 2.3M
MINIMUM AVERAGE MAXIMUM
$1.1 $14 $140

Monthly Expenditure ▶ Single

Currency: ZWL
22,000 160,000 1.1M
MINIMUM AVERAGE MAXIMUM
$1.3 $9.7 $65

Monthly Expenditure ▶ Couple

Currency: ZWL
88,000 260,000 1.4M
MINIMUM AVERAGE MAXIMUM
$5.4 $16 $86

Monthly Expenditure ▶ Family

Currency: ZWL
120,000 350,000 2.3M
MINIMUM AVERAGE MAXIMUM
$7.5 $22 $140

Monthly Expenditure ▶ Student

Currency: ZWL
18,000 120,000 790,000
MINIMUM AVERAGE MAXIMUM
$1.1 $7.2 $48
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Bulawayo is 160,000 ZWL. Expenses can range from 22,000 ZWL at the minimum level to 1.1M ZWL at the highest end.


Couples

The average monthly spending of couples in Bulawayo is 260,000 ZWL. Expenditure can range from 88,000 ZWL to 1.4M ZWL per month.


Families

The average cost of living for families in Bulawayo is 350,000 ZWL per month. Families spend anywhere from 120,000 ZWL to 2.3M ZWL.


Students

The average monthly expenditure for students in Bulawayo is 120,000 ZWL. Students spend from 18,000 ZWL to 790,000 ZWL 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 Bulawayo


Chart showing the prices and cost of grocery, food, restaurant meals, market, and beverages in Bulawayo

Dining, food, and beverages costs


Fast food combo meal

210 ZWL 430 ZWL 710 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.03 $0.04

Restaurant meal for one

730 ZWL 1,100 ZWL 2,200 ZWL
MINIMUM AVERAGE MAXIMUM
$0.04 $0.07 $0.13

Fine dining meal for one

1,500 ZWL 2,200 ZWL 8,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.13 $0.54

Cappuccino or latte

180 ZWL 290 ZWL 430 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

Grocery and market costs


Milk large bottle

140 ZWL 170 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

12 eggs

110 ZWL 140 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Fresh whole chicken

240 ZWL 320 ZWL 450 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

Pack of beef

290 ZWL 430 ZWL 860 ZWL
MINIMUM AVERAGE MAXIMUM
$0.02 $0.03 $0.05

Medium bag of rice

120 ZWL 160 ZWL 220 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Bag of tomatos

43 ZWL 57 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Bag of apples

77 ZWL 100 ZWL 160 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01
Chart showing the prices and cost of commute, travel, and transportation in Bulawayo

Commute, travel, and transportation costs


20 minutes taxi ride

180 ZWL 220 ZWL 440 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.03

Average car full tank

1,100 ZWL 1,400 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.17

Average car 1-day rental

1,100 ZWL 1,500 ZWL 2,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.14

Average car price

540,000 ZWL 1.1M ZWL 1.4M ZWL
MINIMUM AVERAGE MAXIMUM
$33 $65 $87

Bus ticket one way

38 ZWL 56 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Car Service

1,500 ZWL 2,300 ZWL 4,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.14 $0.27
Chart showing the prices and cost of utility, energy, water, and gas for a family in Bulawayo

Utility cost (monthly)


Utility Bill - Individual

1,300 ZWL 9,500 ZWL 64,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.58 $3.9

Utility Bill - Couple

3,500 ZWL 12,000 ZWL 78,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.22 $0.73 $4.7

Utility Bill - Family

6,200 ZWL 18,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.38 $1.1 $7

Internet and cable

1,100 ZWL 2,100 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.13 $0.17

Mobile phone charges

860 ZWL 1,400 ZWL 4,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.09 $0.26

Leisure and activities costs


Movie ticket

540 ZWL 710 ZWL 1,100 ZWL
MINIMUM AVERAGE MAXIMUM
$0.03 $0.04 $0.07

One month gym membership

1,800 ZWL 2,300 ZWL 4,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.11 $0.14 $0.27
Chart showing the prices and cost of clothing and accessories in Bulawayo

Cloths and accessories costs


Pair of jeans or pants

1,300 ZWL 1,900 ZWL 2,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.11 $0.17

Woman dress

1,300 ZWL 1,700 ZWL 5,600 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.11 $0.34

Woman shoes

1,200 ZWL 1,600 ZWL 3,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.10 $0.23

Men's shoes

1,000 ZWL 1,300 ZWL 2,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.06 $0.08 $0.15

Men suit

1,100 ZWL 1,400 ZWL 7,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.46

Regular t-shirt

560 ZWL 750 ZWL 2,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.03 $0.05 $0.14
Chart showing the prices and cost of housing, accommodation, and rent in Bulawayo

Housing costs / monthly rent


Studio apartment

19,000 ZWL 28,000 ZWL 75,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.7 $4.6

1-bedroom apartment

28,000 ZWL 45,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.7 $2.7 $6.9

2-bedroom apartment

38,000 ZWL 56,000 ZWL 150,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $9.1

Housing costs / Buying


Studio apartment

3.8M ZWL 5.6M ZWL 11M ZWL
MINIMUM AVERAGE MAXIMUM
$230 $340 $690

1-bedroom apartment

4.5M ZWL 7.5M ZWL 28M ZWL
MINIMUM AVERAGE MAXIMUM
$270 $460 $1,700

2-bedroom apartment

7.5M ZWL 23M ZWL 45M ZWL
MINIMUM AVERAGE MAXIMUM
$460 $1,400 $2,700
Chart showing the prices and cost of furniture in Bulawayo

Furniture Costs


King Size Bed

21,000 ZWL 27,000 ZWL 36,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.3 $1.6 $2.2

Double Bed

14,000 ZWL 21,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.3 $1.6

Single Bed

13,000 ZWL 16,000 ZWL 21,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.3

Living Room

24,000 ZWL 31,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.5 $1.9 $6.5

Dining Table

11,000 ZWL 14,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.65 $0.87 $1.6

Sofa or Couch

14,000 ZWL 19,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.2 $2.6
Chart showing the prices and cost of electronic devices and appliances in Bulawayo

Electronics and House Appliance Costs


TV Set

14,000 ZWL 21,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.3 $2.6

Fridge or Freezer

13,000 ZWL 19,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.77 $1.2 $1.6

Washing Machine

16,000 ZWL 24,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1 $1.5 $2.6

Stove or Cooker

15,000 ZWL 19,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.93 $1.2 $1.6

Mobile Phone

18,000 ZWL 21,000 ZWL 31,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $1.9

Laptop or Computer

19,000 ZWL 24,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.5 $2.6

Expenditure to Income Ratio in Bulawayo

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.

Cost of living and expenditure to income ratio in Bulawayo

Spending to Income Ratio

92%

87% to 100%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%3%
50% - 60%7%
60% - 70%13%
70% - 80%24%
80% - 90%23%
90% - 100%12%
100% - 110%7%
110% - 120%4%
120% - 130%3%
130% - 140%3%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Bulawayo is 92% This means that on average, people spend around 92% of their income for living. According to the distribution table, 13% 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
83%
Spending-Income-Ratio
78%
90%

Couple
88%
Spending-Income-Ratio
83%
95%

Family
97%
Spending-Income-Ratio
91%
110%
Distribution of monthly cost of living expenses in Bulawayo

How do people spend their money in Bulawayo?

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 Expenditure22%

22% of total expenses on average (11% to 30%)

LOW$0.32   5,300 ZWL
AVERAGE$4.2   69,000 ZWL
HIGH$42   690,000 ZWL
Per Month

People living in Bulawayo typically spend from 11% to 30% of their total monthly expenditure on housing with 22% being the average. The average spend on housing is 69,000 ZWL with expenditure ranging from 5,300 ZWL to 690,000 ZWL. 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, Mobile8%

8% of total expenses on average (5% to 12%)

LOW$0.05   880 ZWL
AVERAGE$0.70   11,000 ZWL
HIGH$7   110,000 ZWL
Per Month

Utility expenditure like electricity, water, and gas in Bulawayo ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 11,000 ZWL with 880 ZWL and 110,000 ZWL being the upper and lower limits.

Transport, Fuel, Commute6%

6% of total expenses on average (2% to 10%)

LOW$0.11   1,800 ZWL
AVERAGE$1.4   23,000 ZWL
HIGH$14   230,000 ZWL
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 1,800 ZWL to 230,000 ZWL on commuting with 23,000 ZWL 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 2% or as high as 10%.

Food and Groceries Cost29%

29% of total expenses on average (21% to 35%)

LOW$0.27   4,400 ZWL
AVERAGE$3.5   57,000 ZWL
HIGH$35   570,000 ZWL
Per Month

The average outlay on groceries in a month in Bulawayo is 57,000 ZWL. The cost of groceries can range between 4,400 ZWL to 570,000 ZWL. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

Healthcare and Medical Services11%

11% of total expenses on average (6% to 14%)

LOW$0.08   1,200 ZWL
AVERAGE$0.98   16,000 ZWL
HIGH$9.8   160,000 ZWL
Per Month

People in Bulawayo 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 1,200 ZWL to 160,000 ZWL with 16,000 ZWL being the norm.

Leisure and Shopping4%

4% of total expenses on average (2% to 8%)

LOW$0.04   710 ZWL
AVERAGE$0.56   9,200 ZWL
HIGH$5.6   92,000 ZWL
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 710 ZWL to 92,000 ZWL with 9,200 ZWL being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Education and Schooling5%

5% of total expenses on average (3% to 11%)

LOW$0.06   1,100 ZWL
AVERAGE$0.84   14,000 ZWL
HIGH$8.4   140,000 ZWL
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 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 14,000 ZWL per month with 1,100 ZWL being the minimum spent amount and 140,000 ZWL being the maximum.

Other Expenses15%

15% of total expenses on average (10% to 22%)

LOW$0.14   2,300 ZWL
AVERAGE$1.8   30,000 ZWL
HIGH$18   300,000 ZWL
Per Month
Percentage of people who manage to save money from their income every month in Bulawayo

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


Saving Money
51%
Not Saving
49%

Almost 51% of the surveyed people in Bulawayo said that they can save some money at the end of each month while 49% said that aren't saving anything.


Percentage of people saving money by population group in Bulawayo

GroupSaversNon Savers
Singles56%44%
Couples51%49%
Families45%55%

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.


Savings to income ratio in Bulawayo

Saving to Income Ratio

5.2% 10% of income 26%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,900 ZWL
$0.30
63,000 ZWL
$3.9
630,000 ZWL
$39
MINIMUM AVERAGE MAXIMUM

For most people, 5.2% to 26% of their monthly income is what they can allocate to their savings, with 10% being the average. The amount of money that people can save is approximately 63,000 ZWL on average with savings ranging from 4,900 ZWL to 630,000 ZWL.

56% of surveyed singles reported some of their income going to savings while 51% of couples said the same. 45% of families confirmed their ability to save money.


How much money do people actually save in Bulawayo?

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

8.3% 15% of income 28%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,900 ZWL
$0.30
44,000 ZWL
$2.7
290,000 ZWL
$18
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%34%
10% - 20%27%
20% - 30%17%
30% - 40%11%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 8.3% to 28% of their monthly income to savings, with 15% being the average for most singles. The average amount of money that singles are able to save is 44,000 ZWL with 4,900 ZWL and 290,000 ZWL being the minimum and maximum respectively.


Couples

Saving to Income Ratio

6.2% 12% of income 27%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

24,000 ZWL
$1.5
73,000 ZWL
$4.4
390,000 ZWL
$24
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%38%
10% - 20%29%
20% - 30%20%
30% - 40%6%
40% - 50%5%
> 50%2%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 6.2% to 27% of their monthly income, with 12% being the average for most couples. The average amount of money that couples can save is 73,000 ZWL with 24,000 ZWL and 390,000 ZWL being the minimum and maximum respectively.


Families

Saving to Income Ratio

5.2% 10% of income 25%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

34,000 ZWL
$2.1
97,000 ZWL
$5.9
630,000 ZWL
$39
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%41%
10% - 20%32%
20% - 30%21%
30% - 40%3%
40% - 50%2%
> 50%1%

Interpretation and Analysis

Families in Bulawayo can save anywhere between 5.2% to 25% of their monthly income, with 10% being the average for most families. The average amount of money that families can put aside is 97,000 ZWL with 34,000 ZWL and 630,000 ZWL being the minimum and maximum respectively.

Reasons that make it difficult for people to save money in Bulawayo

Saving Challenges in Bulawayo

Reasons that make it difficult for people to save money

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


Reason% People
Low Income4%
High Expenses7%
Debt and Loans10%
Lack of Budgeting Skills12%
Impulsive Spending13%
Financial Emergencies8%
Living the moment5%
Will do it later23%
Inflation15%
Social Pressure2%
Market Instability1%

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. 10% 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. 13% blamed impulsive spending as the reason for saving inability. Around 8% 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. 23% 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. 15% 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, 1% blamed market instability and price fluctuations.

Where do people choose to put their savings in Bulawayo

Typical saving choices for people in Bulawayo

Where do people choose to put their savings?


Saving Type% People
Emergency Funds13%
Gold15%
Savings Accounts16%
Retirement Accounts9%
Cash Savings24%
Real Estate8%
Investment4%
Stocks3%
Bonds4%
Mutual Funds1%
Certificates of Deposit2%
A typical and healthy budgeting structure. The 50-30-20 rule

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.

Income and cost of living compatibility. Is it affordable or economical to live in Bulawayo

Affordable living in Bulawayo

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Bulawayo?


Yes
42%
No
58%

Around 42% of surveyed residents think that living in Bulawayo is affordable with proper budgeting while 58% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting. Are there plenty of low-cost options in Bulawayo

Low-cost alternatives in Bulawayo

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 options54%

Few low-cost options46%


Based on the survey, 54% of the people living in Bulawayo have no problem finding low-cost alternatives to support a frugal lifestyle while 46% 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 Bulawayo whether they have an emergency fund and the answers were as follows.

Yes39%

No61%


Based on the survey, 61% of the people living in Bulawayo said that they don't have an emergency fund while 39% said that they do.

Financial literacy and difficulty in budgeting and financial planning in Bulawayo

Financial Literacy in Zimbabwe

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 Leteracy36%


We asked residents of Zimbabwe whether they acquired any adequate personal financial training in their lives. Approximately 64% 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 36% 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 Zimbabwe have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 62% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 38% said that they have everything under control.

Struggles with finance62%

Easily manages finances38%

Financial goals and targets of people living in Bulawayo

Financial goals of people in Bulawayo

In an attempt to understand the economic situation in Bulawayo, 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 Fund9%
Debt Reduction48%
Retirement Savings12%
Education Funding6%
Homeownership19%
Investing5%
Travel or Lifestyle4%
Healthcare Expenses17%
Financial Independence3%

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 48% said their number one priority is to pay off high-interest debt or loans and improve credit. 12% 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. 5% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 4% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 17% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Bulawayo

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

Retirement age

The retirement age for most employees in Zimbabwe 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:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Bulawayo:
AgeAmount
25590,000 ZWL
301.2M ZWL
352M ZWL
402.9M ZWL
454.4M ZWL
506.1M ZWL
557.3M ZWL
609.1M ZWL
6511M ZWL

Retirement Income Distribution

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

Source% People
Pensions11%
Savings24%
Investments11%
Social Security6%
Annuities6%
Part-time Job18%
Real Estate19%
Dividends and Interest6%

Retirement Monthly Expenses in Bulawayo

13,000 ZWL
$0.80
120,000 ZWL
$7.2
790,000 ZWL
$48
MINIMUM AVERAGE MAXIMUM
Chart showing the percentage of people who are in debt in Bulawayo

Debt, loans, and mortgages in Bulawayo


Percentage of people who are in debt


In Debt
34%
Debt Free
66%

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


Chart showing debt-to-income ratio in Bulawayo

Debt-to-income ratio in Bulawayo

Debt to income ratio

35%

28% to 44%

( 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 35% of the people's monthly income in Bulawayo goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%4%
50% - 60%22%
40% - 50%16%
30% - 40%18%
20% - 30%7%
10% - 20%8%
0% - 10%24%

According to our data, 4% of the debtors in Bulawayo pay 60%+ of their income as debt settlement while 22% 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 7% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Bulawayo

Debt% People
Real Estate Mortgage5%
Auto Loan11%
Student Loan5%
Credit Card33%
Personal Loan47%

5% of debtors in Bulawayo confirm that real estate mortgages constitutes the main part of their outstanding debt while 33% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 11% of people and personal loans rose at 47%. Lastly, student loans are the main source of debt for 5% of debtors in Bulawayo.


About credit score and debt management

Managing 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 Bulawayo

Besides measuring the loan-to-income ratio, we asked residents of Bulawayo 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
Never47%
Once a year25%
Twice a year13%
Three times a year10%
Four times a year5%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Bulawayo

Housing costs, accommodation, and housing affordability in Bulawayo

Rental costs and house/apartment prices can vary drastically between different areas and locations.


Rent Cost in Bulawayo

Monthly Rent Prices

Studio apartment monthly rent cost

19,000 ZWL 28,000 ZWL 75,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.7 $4.6

1-bedroom apartment monthly rent cost

28,000 ZWL 45,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.7 $2.7 $6.9

2-bedroom apartment monthly rent cost

38,000 ZWL 56,000 ZWL 150,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $9.1

3-bedroom apartment monthly rent cost

45,000 ZWL 75,000 ZWL 200,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.7 $4.6 $12

Furnished apartment monthly rent cost

90,000 ZWL 230,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$5.5 $14 $27

Townhouse monthly rent cost

75,000 ZWL 110,000 ZWL 320,000 ZWL
MINIMUM AVERAGE MAXIMUM
$4.6 $6.9 $20

House monthly rent cost

90,000 ZWL 230,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$5.5 $14 $27

Villa monthly rent cost

110,000 ZWL 280,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$6.9 $17 $27

The monthly rental cost of a studio apartment in Bulawayo ranges between 19,000 ZWL and 75,000 ZWL, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 28,000 ZWL to 110,000 ZWL. Two-bedroom rentals rate ranges between 38,000 ZWL and 150,000 ZWL per month. The monthly rental for a three-bedroom apartment ranges from 45,000 ZWL to 200,000 ZWL. The average rent of a townhouse in Bulawayo is around 110,000 ZWL while house rental costs can be as high as 230,000 ZWL per month. Finally, if you want to rent a villa, expect to pay anywhere from 110,000 ZWL to 450,000 ZWL per month.



Apartment and house prices in Bulawayo

Cost of buying a property

Studio apartment price

3.8M ZWL 5.6M ZWL 11M ZWL
MINIMUM AVERAGE MAXIMUM
$230 $340 $690

1-bedroom apartment price

4.5M ZWL 7.5M ZWL 28M ZWL
MINIMUM AVERAGE MAXIMUM
$270 $460 $1,700

2-bedroom apartment price

7.5M ZWL 23M ZWL 45M ZWL
MINIMUM AVERAGE MAXIMUM
$460 $1,400 $2,700

3-bedroom apartment price

25M ZWL 38M ZWL 110M ZWL
MINIMUM AVERAGE MAXIMUM
$1,500 $2,300 $6,900

Townhouse price

32M ZWL 75M ZWL 280M ZWL
MINIMUM AVERAGE MAXIMUM
$2,000 $4,600 $17,000

House price

38M ZWL 230M ZWL 320M ZWL
MINIMUM AVERAGE MAXIMUM
$2,300 $14,000 $20,000

Villa price

45M ZWL 250M ZWL 380M ZWL
MINIMUM AVERAGE MAXIMUM
$2,700 $15,000 $23,000

The average price of a studio apartment in Bulawayo can range from 3.8M ZWL to 11M ZWL depending on location. One bedroom cost can be anywhere from 4.5M ZWL to 28M ZWL. A villa can cost you 250M ZWL on average with prices ranging from 45M ZWL to 380M ZWL.


If you're leasing or purchasing, housing costs in Bulawayo 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


25 x65 monthly income 184
MINIMUM AVERAGE MAXIMUM

Property prices in Bulawayo can be x65 to x184 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x65 multiples of the average monthly salary in Bulawayo.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


17% 27% of income 37%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Bulawayo is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 17% to 37% 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
24%

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.


FROM
1.6%
AVERAGE
2.6%
TO
3.5%

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.


350 ZWL 4,600 ZWL 46,000 ZWL
MINIMUM AVERAGE MAXIMUM

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 Bulawayo

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

1,300 ZWL 9,500 ZWL 64,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.58 $3.9

Utility Bill Cost / Electricity + Water + Gas / Couple

3,500 ZWL 12,000 ZWL 78,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.22 $0.73 $4.7

Utility Bill Cost / Electricity + Water + Gas / Family

6,200 ZWL 18,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.38 $1.1 $7

Internet and cable cost

1,100 ZWL 2,100 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.13 $0.17

Mobile phone bill and charges

860 ZWL 1,400 ZWL 4,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.09 $0.26

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 Bulawayo ranges between 1,300 ZWL and 64,000 ZWL with average being 9,500 ZWL, meanwhile the expenditure of couples is slightly higher at 12,000 ZWL with 3,500 ZWL and 78,000 ZWL 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 18,000 ZWL. The cost of internet and WiFi is unchanged among the three groups and ranges from 1,100 ZWL to 2,900 ZWL with 2,100 ZWL being the average internet bill. Finally, the average monthly mobile charges is around 1,400 ZWL but can range between 860 ZWL and 4,300 ZWL 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


4.1% 7.2% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Bulawayo is around 7.2%. This means that people pay 7.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.1% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Bulawayo

Grocery / Food expenditure and prices can vary drastically between different areas and locations.


Prices and cost of goods and services in Bulawayo

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

Fast food combo meal price

210 ZWL 430 ZWL 710 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.03 $0.04

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Bulawayo is approximatly 430 ZWL with meal cost ranging from 210 ZWL to 710 ZWL. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

730 ZWL 1,100 ZWL 2,200 ZWL
MINIMUM AVERAGE MAXIMUM
$0.04 $0.07 $0.13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 730 ZWL and 2,200 ZWL with 1,100 ZWL being the average price of a plate for one person at a regular restaurant in Bulawayo.

Fine dining meal for one price

1,500 ZWL 2,200 ZWL 8,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.13 $0.54

The price range of a meal at fine-dining restaurant is 1,500 ZWL to 8,800 ZWL with the average cost being 2,200 ZWL for one person. This is what you would expect to pay a top-tier diner in Bulawayo.

Beverage prices, cappuccino, latte etc..

180 ZWL 290 ZWL 430 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

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



Grocery and market costs

Large bottle of milk price

140 ZWL 170 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

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

12 eggs price

110 ZWL 140 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

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

Fresh whole chicken price

240 ZWL 320 ZWL 450 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

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

Pack of beef price

290 ZWL 430 ZWL 860 ZWL
MINIMUM AVERAGE MAXIMUM
$0.02 $0.03 $0.05

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

Medium bag of rice price

120 ZWL 160 ZWL 220 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

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

Bag of tomatos price

43 ZWL 57 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

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

Bag of apples price

77 ZWL 100 ZWL 160 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

A bag of apples costs 100 ZWL 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


21% 29% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Bulawayo is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 21% to 35% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 25,000 ZWL per month on grocery and food with expenditure fluctuating between 3,500 ZWL and 170,000 ZWL depending on location and the type of person. The average cost of food and groceries for a couple is around 37,000 ZWL per month. That number can be get as low as 12,000 ZWL or a high as 200,000 ZWL. Families' spending on grocery ranges from 22,000 ZWL to 410,000 ZWL with the location, income, and size of the family being the most determinite factors.


Single
Spending habits, consumption analysis, and expenditure patterns for a single person living in Bulawayo

Housing cost for a single person28%

28% of total expenses on average (16% to 40%)

LOW$0.49   8,000 ZWL
AVERAGE$3.5   57,000 ZWL
HIGH$23   380,000 ZWL
Per Month

Utilities, Electricity, Water, Internet, Mobile9%

9% of total expenses on average (5% to 14%)

LOW$0.08   1,300 ZWL
AVERAGE$0.58   9,500 ZWL
HIGH$3.9   64,000 ZWL
Per Month

Transport and Fuel Cost4%

4% of total expenses on average (2% to 10%)

LOW$0.11   1,800 ZWL
AVERAGE$0.77   13,000 ZWL
HIGH$5.2   85,000 ZWL
Per Month

Food and Groceries Cost20%

20% of total expenses on average (14% to 25%)

LOW$0.22   3,500 ZWL
AVERAGE$1.5   25,000 ZWL
HIGH$10   170,000 ZWL
Per Month

Healthcare Cost13%

13% of total expenses on average (7% to 17%)

LOW$0.12   2,000 ZWL
AVERAGE$0.87   14,000 ZWL
HIGH$5.8   95,000 ZWL
Per Month

Leisure and Shopping Expenditure2%

2% of total expenses on average (1% to 5%)

LOW$0.07   1,100 ZWL
AVERAGE$0.48   7,900 ZWL
HIGH$3.2   53,000 ZWL
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$0.03   440 ZWL
AVERAGE$0.19   3,200 ZWL
HIGH$1.3   21,000 ZWL
Per Month

Other Expenses23%

23% of total expenses on average (15% to 27%)

LOW$0.24   4,000 ZWL
AVERAGE$1.7   29,000 ZWL
HIGH$12   190,000 ZWL
Per Month


Couple
Average monthly living expenditure breaks and spending patterns for couples in Bulawayo

Housing cost for a couple25%

25% of total expenses on average (18% to 35%)

LOW$1.8   30,000 ZWL
AVERAGE$5.5   90,000 ZWL
HIGH$29   480,000 ZWL
Per Month

Utilities, Electricity, Water, Internet, Mobile8%

8% of total expenses on average (6% to 12%)

LOW$0.22   3,500 ZWL
AVERAGE$0.73   12,000 ZWL
HIGH$4.7   78,000 ZWL
Per Month

Transport and Fuel Cost8%

8% of total expenses on average (2% to 13%)

LOW$0.65   11,000 ZWL
AVERAGE$1.9   32,000 ZWL
HIGH$10   170,000 ZWL
Per Month

Food and Groceries Cost18%

18% of total expenses on average (13% to 23%)

LOW$0.75   12,000 ZWL
AVERAGE$2.3   37,000 ZWL
HIGH$12   200,000 ZWL
Per Month

Healthcare Cost15%

15% of total expenses on average (9% to 19%)

LOW$0.59   9,700 ZWL
AVERAGE$1.8   29,000 ZWL
HIGH$9.5   160,000 ZWL
Per Month

Leisure and Shopping Cost3%

3% of total expenses on average (0.00% to 6%)

LOW$0.32   5,300 ZWL
AVERAGE$0.97   16,000 ZWL
HIGH$5.2   85,000 ZWL
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$0.11   1,800 ZWL
AVERAGE$0.32   5,300 ZWL
HIGH$1.7   28,000 ZWL
Per Month

Other Expenses22%

22% of total expenses on average (16% to 28%)

LOW$0.91   15,000 ZWL
AVERAGE$2.7   45,000 ZWL
HIGH$15   240,000 ZWL
Per Month


Family
Average monthly expenses and break out of spending for families living in Bulawayo

Housing cost for a family24%

24% of total expenses on average (19% to 34%)

LOW$2.4   40,000 ZWL
AVERAGE$6.9   110,000 ZWL
HIGH$45   730,000 ZWL
Per Month

Utilities, Electricity, Water, Internet, Mobile6%

6% of total expenses on average (4% to 9%)

LOW$0.38   6,200 ZWL
AVERAGE$1.1   18,000 ZWL
HIGH$7   110,000 ZWL
Per Month

Transport and Fuel Expenses4%

4% of total expenses on average (2% to 6%)

LOW$0.75   12,000 ZWL
AVERAGE$2.2   35,000 ZWL
HIGH$14   230,000 ZWL
Per Month

Food and Groceries Cost22%

22% of total expenses on average (15% to 28%)

LOW$1.4   22,000 ZWL
AVERAGE$3.9   64,000 ZWL
HIGH$25   410,000 ZWL
Per Month

Healthcare Expenses12%

12% of total expenses on average (8% to 17%)

LOW$0.68   11,000 ZWL
AVERAGE$2.2   35,000 ZWL
HIGH$11   180,000 ZWL
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (0.00% to 6%)

LOW$0.38   6,200 ZWL
AVERAGE$1.1   18,000 ZWL
HIGH$7   110,000 ZWL
Per Month

Education Cost13%

13% of total expenses on average (6% to 21%)

LOW$1.1   17,000 ZWL
AVERAGE$3   49,000 ZWL
HIGH$20   320,000 ZWL
Per Month

Other Expenses17%

17% of total expenses on average (10% to 22%)

LOW$0.60   9,900 ZWL
AVERAGE$1.7   28,000 ZWL
HIGH$11   180,000 ZWL
Per Month


Student
Cost of living and expenses break down for students living in Bulawayo

Housing costs for Student16%

16% of total expenses on average (11% to 22%)

LOW$0.26   4,200 ZWL
AVERAGE$1.7   28,000 ZWL
HIGH$12   190,000 ZWL
Per Month

Utilities, Electricity, Water, Internet, and Mobile Expenses7%

7% of total expenses on average (5% to 11%)

LOW$0.04   710 ZWL
AVERAGE$0.29   4,700 ZWL
HIGH$1.9   32,000 ZWL
Per Month

Transport and Fuel Cost3%

3% of total expenses on average (3% to 9%)

LOW$0.08   1,200 ZWL
AVERAGE$0.50   8,300 ZWL
HIGH$3.4   55,000 ZWL
Per Month

Food and Groceries Expenditure24%

24% of total expenses on average (18% to 28%)

LOW$0.22   3,500 ZWL
AVERAGE$1.4   24,000 ZWL
HIGH$9.6   160,000 ZWL
Per Month

Healthcare Cost10%

10% of total expenses on average (7% to 13%)

LOW$0.06   1,100 ZWL
AVERAGE$0.43   7,100 ZWL
HIGH$2.9   47,000 ZWL
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (1% to 6%)

LOW$0.05   880 ZWL
AVERAGE$0.36   5,900 ZWL
HIGH$2.4   39,000 ZWL
Per Month

Education Cost18%

18% of total expenses on average (11% to 23%)

LOW$0.20   3,400 ZWL
AVERAGE$1.4   22,000 ZWL
HIGH$9.1   150,000 ZWL
Per Month

Other Expenses20%

20% of total expenses on average (14% to 26%)

LOW$0.16   2,600 ZWL
AVERAGE$1.1   18,000 ZWL
HIGH$7.2   120,000 ZWL
Per Month
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