Cost Of Living in Chelyabinsk 2025

cost of living chart - average monthly expenditure in Chelyabinsk

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

Whether you're living in Chelyabinsk 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: RUB
8,000 100,000 1M
MINIMUM AVERAGE MAXIMUM
$88 $1,100 $11,000

Monthly Expenditure ▶ Single

Currency: RUB
10,000 72,000 480,000
MINIMUM AVERAGE MAXIMUM
$110 $790 $5,300

Monthly Expenditure ▶ Couple

Currency: RUB
40,000 120,000 640,000
MINIMUM AVERAGE MAXIMUM
$440 $1,300 $7,100

Monthly Expenditure ▶ Family

Currency: RUB
56,000 160,000 1M
MINIMUM AVERAGE MAXIMUM
$620 $1,800 $11,000

Monthly Expenditure ▶ Student

Currency: RUB
8,000 53,000 350,000
MINIMUM AVERAGE MAXIMUM
$88 $580 $3,900

Retirement, pension plans, and life after work in Chelyabinsk

What does the retirement lifestyle look like in Chelyabinsk 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.


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 Chelyabinsk:
AgeAmount
25280,000 RUB
30560,000 RUB
35980,000 RUB
401.4M RUB
452.1M RUB
502.9M RUB
553.5M RUB
604.3M RUB
655.2M RUB

Retirement Income Distribution

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

Source% People
Pensions12%
Savings23%
Investments12%
Social Security7%
Annuities7%
Part-time Job15%
Real Estate18%
Dividends and Interest7%

Retirement Monthly Expenses in Chelyabinsk

5,900 RUB
$64
53,000 RUB
$580
350,000 RUB
$3,900
MINIMUM AVERAGE MAXIMUM
Financial literacy and difficulty in budgeting and financial planning in Chelyabinsk

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 Leteracy56%


We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 44% 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 56% 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? 40% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 60% said that they have everything under control.

Struggles with finance40%

Easily manages finances60%


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

Housing cost for a couple27%

27% of total expenses on average (20% to 37%)

LOW$150   14,000 RUB
AVERAGE$450   41,000 RUB
HIGH$2,400   220,000 RUB
Per Month

Utilities, Electricity, Water, Internet, Mobile8%

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

LOW$18   1,600 RUB
AVERAGE$60   5,400 RUB
HIGH$390   35,000 RUB
Per Month

Transport and Fuel Cost9%

9% of total expenses on average (3% to 14%)

LOW$53   4,800 RUB
AVERAGE$160   14,000 RUB
HIGH$850   77,000 RUB
Per Month

Food and Groceries Cost17%

17% of total expenses on average (12% to 22%)

LOW$62   5,600 RUB
AVERAGE$190   17,000 RUB
HIGH$990   90,000 RUB
Per Month

Healthcare Cost14%

14% of total expenses on average (8% to 18%)

LOW$49   4,400 RUB
AVERAGE$150   13,000 RUB
HIGH$780   71,000 RUB
Per Month

Leisure and Shopping Cost3%

3% of total expenses on average (1% to 6%)

LOW$26   2,400 RUB
AVERAGE$79   7,200 RUB
HIGH$420   38,000 RUB
Per Month

Education Cost1%

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

LOW$8.8   800 RUB
AVERAGE$26   2,400 RUB
HIGH$140   13,000 RUB
Per Month

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$75   6,800 RUB
AVERAGE$220   20,000 RUB
HIGH$1,200   110,000 RUB
Per Month
Percentage of people who manage to save money from their income every month in Chelyabinsk

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


Saving Money
62%
Not Saving
38%

Almost 62% of the surveyed people in Chelyabinsk said that they can save some money at the end of each month while 38% said that aren't saving anything.


Percentage of people saving money by population group in Chelyabinsk

GroupSaversNon Savers
Singles66%34%
Couples61%39%
Families56%44%

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 Chelyabinsk

Saving to Income Ratio

12% 21% of income 33%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

2,800 RUB
$30
36,000 RUB
$400
360,000 RUB
$4,000
MINIMUM AVERAGE MAXIMUM

For most people, 12% to 33% of their monthly income is what they can allocate to their savings, with 21% being the average. The amount of money that people can save is approximately 36,000 RUB on average with savings ranging from 2,800 RUB to 360,000 RUB.

66% of surveyed singles reported some of their income going to savings while 61% of couples said the same. 56% of families confirmed their ability to save money.


How much money do people actually save in Chelyabinsk?

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

16% 25% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

2,800 RUB
$30
25,000 RUB
$270
170,000 RUB
$1,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%32%
10% - 20%25%
20% - 30%16%
30% - 40%13%
40% - 50%10%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 16% to 35% of their monthly income to savings, with 25% being the average for most singles. The average amount of money that singles are able to save is 25,000 RUB with 2,800 RUB and 170,000 RUB being the minimum and maximum respectively.


Couples

Saving to Income Ratio

14% 23% of income 34%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

14,000 RUB
$150
41,000 RUB
$460
220,000 RUB
$2,400
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%36%
10% - 20%27%
20% - 30%19%
30% - 40%8%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 14% to 34% of their monthly income, with 23% being the average for most couples. The average amount of money that couples can save is 41,000 RUB with 14,000 RUB and 220,000 RUB being the minimum and maximum respectively.


Families

Saving to Income Ratio

11% 20% of income 30%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

19,000 RUB
$210
55,000 RUB
$610
360,000 RUB
$4,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%39%
10% - 20%30%
20% - 30%20%
30% - 40%5%
40% - 50%4%
> 50%2%

Interpretation and Analysis

Families in Chelyabinsk can save anywhere between 11% to 30% of their monthly income, with 20% being the average for most families. The average amount of money that families can put aside is 55,000 RUB with 19,000 RUB and 360,000 RUB being the minimum and maximum respectively.

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

Saving Challenges in Chelyabinsk

Reasons that make it difficult for people to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending11%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% 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. 11% 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. 21% 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. 13% 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, 2% blamed market instability and price fluctuations.

Where do people choose to put their savings in Chelyabinsk

Typical saving choices for people in Chelyabinsk

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%


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

Housing cost for a single person30%

30% of total expenses on average (18% to 42%)

LOW$40   3,700 RUB
AVERAGE$290   26,000 RUB
HIGH$1,900   170,000 RUB
Per Month

Utilities, Electricity, Water, Internet, Mobile9%

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

LOW$6.7   610 RUB
AVERAGE$48   4,300 RUB
HIGH$320   29,000 RUB
Per Month

Transport and Fuel Cost5%

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

LOW$9   810 RUB
AVERAGE$64   5,800 RUB
HIGH$420   38,000 RUB
Per Month

Food and Groceries Cost19%

19% of total expenses on average (13% to 24%)

LOW$18   1,600 RUB
AVERAGE$130   12,000 RUB
HIGH$850   77,000 RUB
Per Month

Healthcare Cost12%

12% of total expenses on average (6% to 16%)

LOW$10   920 RUB
AVERAGE$71   6,500 RUB
HIGH$480   43,000 RUB
Per Month

Leisure and Shopping Expenditure2%

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

LOW$5.6   510 RUB
AVERAGE$40   3,600 RUB
HIGH$260   24,000 RUB
Per Month

Education Cost1%

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

LOW$2.2   200 RUB
AVERAGE$16   1,400 RUB
HIGH$110   9,600 RUB
Per Month

Other Expenses22%

22% of total expenses on average (14% to 26%)

LOW$20   1,800 RUB
AVERAGE$140   13,000 RUB
HIGH$950   87,000 RUB
Per Month
Distribution of monthly cost of living expenses in Chelyabinsk

How do people spend their money in Chelyabinsk?

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 Expenditure24%

24% of total expenses on average (13% to 32%)

LOW$26   2,400 RUB
AVERAGE$340   31,000 RUB
HIGH$3,400   310,000 RUB
Per Month

People living in Chelyabinsk typically spend from 13% to 32% of their total monthly expenditure on housing with 24% being the average. The average spend on housing is 31,000 RUB with expenditure ranging from 2,400 RUB to 310,000 RUB. 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$4.4   400 RUB
AVERAGE$57   5,200 RUB
HIGH$570   52,000 RUB
Per Month

Utility expenditure like electricity, water, and gas in Chelyabinsk ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 5,200 RUB with 400 RUB and 52,000 RUB being the upper and lower limits.

Transport, Fuel, Commute7%

7% of total expenses on average (3% to 11%)

LOW$8.8   800 RUB
AVERAGE$110   10,000 RUB
HIGH$1,100   100,000 RUB
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 800 RUB to 100,000 RUB on commuting with 10,000 RUB being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.

Food and Groceries Cost28%

28% of total expenses on average (20% to 34%)

LOW$22   2,000 RUB
AVERAGE$290   26,000 RUB
HIGH$2,900   260,000 RUB
Per Month

The average outlay on groceries in a month in Chelyabinsk is 26,000 RUB. The cost of groceries can range between 2,000 RUB to 260,000 RUB. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.

Healthcare and Medical Services10%

10% of total expenses on average (5% to 13%)

LOW$6.2   560 RUB
AVERAGE$80   7,300 RUB
HIGH$800   73,000 RUB
Per Month

People in Chelyabinsk allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 560 RUB to 73,000 RUB with 7,300 RUB being the norm.

Leisure and Shopping4%

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

LOW$3.5   320 RUB
AVERAGE$46   4,200 RUB
HIGH$460   42,000 RUB
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 320 RUB to 42,000 RUB with 4,200 RUB 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$5.3   480 RUB
AVERAGE$69   6,200 RUB
HIGH$690   62,000 RUB
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 6,200 RUB per month with 480 RUB being the minimum spent amount and 62,000 RUB being the maximum.

Other Expenses14%

14% of total expenses on average (9% to 21%)

LOW$11   1,000 RUB
AVERAGE$150   14,000 RUB
HIGH$1,500   140,000 RUB
Per Month

Monthly costs and expenses of energy and basic utilities in Chelyabinsk

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

610 RUB 4,300 RUB 29,000 RUB
MINIMUM AVERAGE MAXIMUM
$6.7 $48 $320

Utility Bill Cost / Electricity + Water + Gas / Couple

1,600 RUB 5,400 RUB 35,000 RUB
MINIMUM AVERAGE MAXIMUM
$18 $60 $390

Utility Bill Cost / Electricity + Water + Gas / Family

2,800 RUB 8,000 RUB 52,000 RUB
MINIMUM AVERAGE MAXIMUM
$31 $88 $570

Internet and cable cost

500 RUB 990 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.5 $11 $15

Mobile phone bill and charges

400 RUB 660 RUB 2,000 RUB
MINIMUM AVERAGE MAXIMUM
$4.4 $7.3 $22

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 Chelyabinsk ranges between 610 RUB and 29,000 RUB with average being 4,300 RUB, meanwhile the expenditure of couples is slightly higher at 5,400 RUB with 1,600 RUB and 35,000 RUB 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 8,000 RUB. The cost of internet and WiFi is unchanged among the three groups and ranges from 500 RUB to 1,300 RUB with 990 RUB being the average internet bill. Finally, the average monthly mobile charges is around 660 RUB but can range between 400 RUB and 2,000 RUB 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


2.1% 5.2% of income 9.3%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Chelyabinsk is around 5.2%. This means that people pay 5.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.1% to 9.3% depending on salary and location.

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

Affordable living in Chelyabinsk

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Chelyabinsk?


Yes
63%
No
37%

Around 63% of surveyed residents think that living in Chelyabinsk is affordable with proper budgeting while 37% reported that it is just too expensive and not affordable even with frugality and thriftness.

Food Prices, Dining Expenses, and Grocery Costs in Chelyabinsk

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


Prices and cost of goods and services in Chelyabinsk

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

Fast food combo meal price

99 RUB 200 RUB 330 RUB
MINIMUM AVERAGE MAXIMUM
$1.1 $2.2 $3.6

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Chelyabinsk is approximatly 200 RUB with meal cost ranging from 99 RUB to 330 RUB. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

350 RUB 520 RUB 1,000 RUB
MINIMUM AVERAGE MAXIMUM
$3.8 $5.7 $11

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 350 RUB and 1,000 RUB with 520 RUB being the average price of a plate for one person at a regular restaurant in Chelyabinsk.

Fine dining meal for one price

690 RUB 1,000 RUB 4,100 RUB
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $46

The price range of a meal at fine-dining restaurant is 690 RUB to 4,100 RUB with the average cost being 1,000 RUB for one person. This is what you would expect to pay a top-tier diner in Chelyabinsk.

Beverage prices, cappuccino, latte etc..

83 RUB 130 RUB 200 RUB
MINIMUM AVERAGE MAXIMUM
$0.91 $1.5 $2.2

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Chelyabinsk is around 130 RUB. Price ranges between 83 RUB and 200 RUB depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

66 RUB 80 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.73 $0.88 $1.1

The average price of a large bottle of milk in Chelyabinsk is 80 RUB. The maximum what you would pay for milk is 99 RUB and the minimum being 66 RUB depending on the brand of milk and other properties.

12 eggs price

50 RUB 66 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.55 $0.73 $1.1

A dozen eggs costs around 66 RUB on average with 50 RUB and 99 RUB being the lower and upper limits respectively.

Fresh whole chicken price

110 RUB 150 RUB 210 RUB
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.3

The price range of a fresh whole chicken in Chelyabinsk is between 110 RUB and 210 RUB depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 150 RUB.

Pack of beef price

130 RUB 200 RUB 400 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $4.4

The price of a regular pack of beef or meat is around 200 RUB. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

53 RUB 73 RUB 100 RUB
MINIMUM AVERAGE MAXIMUM
$0.59 $0.80 $1.1

A bag of rice in Chelyabinsk costs around 73 RUB on average with prices rangeing between 53 RUB and 100 RUB depending on the brand and quality.

Bag of tomatos price

20 RUB 27 RUB 50 RUB
MINIMUM AVERAGE MAXIMUM
$0.22 $0.29 $0.55

A bag of tomatoes costs anywhere from 20 RUB to 50 RUB. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

36 RUB 46 RUB 76 RUB
MINIMUM AVERAGE MAXIMUM
$0.39 $0.51 $0.84

A bag of apples costs 46 RUB 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


19% 27% of income 33%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Chelyabinsk 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 33% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 12,000 RUB per month on grocery and food with expenditure fluctuating between 1,600 RUB and 77,000 RUB depending on location and the type of person. The average cost of food and groceries for a couple is around 17,000 RUB per month. That number can be get as low as 5,600 RUB or a high as 90,000 RUB. Families' spending on grocery ranges from 10,000 RUB to 190,000 RUB with the location, income, and size of the family being the most determinite factors.


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

Housing costs for Student18%

18% of total expenses on average (13% to 24%)

LOW$21   1,900 RUB
AVERAGE$140   13,000 RUB
HIGH$930   84,000 RUB
Per Month

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

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

LOW$3.5   320 RUB
AVERAGE$23   2,100 RUB
HIGH$150   14,000 RUB
Per Month

Transport and Fuel Cost4%

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

LOW$6.2   560 RUB
AVERAGE$41   3,700 RUB
HIGH$270   25,000 RUB
Per Month

Food and Groceries Expenditure23%

23% of total expenses on average (17% to 27%)

LOW$18   1,600 RUB
AVERAGE$120   11,000 RUB
HIGH$770   70,000 RUB
Per Month

Healthcare Cost9%

9% of total expenses on average (6% to 12%)

LOW$5.3   480 RUB
AVERAGE$35   3,200 RUB
HIGH$230   21,000 RUB
Per Month

Leisure and Shopping Cost2%

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

LOW$4.4   400 RUB
AVERAGE$29   2,600 RUB
HIGH$190   18,000 RUB
Per Month

Education Cost18%

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

LOW$17   1,500 RUB
AVERAGE$110   10,000 RUB
HIGH$740   67,000 RUB
Per Month

Other Expenses19%

19% of total expenses on average (13% to 25%)

LOW$13   1,200 RUB
AVERAGE$87   7,900 RUB
HIGH$580   53,000 RUB
Per Month

Prices and cost of goods and services in Chelyabinsk

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

Dining, food, and beverages costs


Fast food combo meal

99 RUB 200 RUB 330 RUB
MINIMUM AVERAGE MAXIMUM
$1.1 $2.2 $3.6

Restaurant meal for one

350 RUB 520 RUB 1,000 RUB
MINIMUM AVERAGE MAXIMUM
$3.8 $5.7 $11

Fine dining meal for one

690 RUB 1,000 RUB 4,100 RUB
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $46

Cappuccino or latte

83 RUB 130 RUB 200 RUB
MINIMUM AVERAGE MAXIMUM
$0.91 $1.5 $2.2

Grocery and market costs


Milk large bottle

66 RUB 80 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.73 $0.88 $1.1

12 eggs

50 RUB 66 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.55 $0.73 $1.1

Fresh whole chicken

110 RUB 150 RUB 210 RUB
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.3

Pack of beef

130 RUB 200 RUB 400 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $4.4

Medium bag of rice

53 RUB 73 RUB 100 RUB
MINIMUM AVERAGE MAXIMUM
$0.59 $0.80 $1.1

Bag of tomatos

20 RUB 27 RUB 50 RUB
MINIMUM AVERAGE MAXIMUM
$0.22 $0.29 $0.55

Bag of apples

36 RUB 46 RUB 76 RUB
MINIMUM AVERAGE MAXIMUM
$0.39 $0.51 $0.84
Chart showing the prices and cost of commute, travel, and transportation in Chelyabinsk

Commute, travel, and transportation costs


20 minutes taxi ride

86 RUB 100 RUB 210 RUB
MINIMUM AVERAGE MAXIMUM
$0.95 $1.1 $2.3

Average car full tank

500 RUB 660 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.5 $7.3 $15

Average car 1-day rental

540 RUB 720 RUB 1,100 RUB
MINIMUM AVERAGE MAXIMUM
$5.9 $7.9 $12

Average car price

250,000 RUB 500,000 RUB 660,000 RUB
MINIMUM AVERAGE MAXIMUM
$2,700 $5,500 $7,300

Bus ticket one way

18 RUB 27 RUB 54 RUB
MINIMUM AVERAGE MAXIMUM
$0.20 $0.30 $0.59

Car Service

720 RUB 1,100 RUB 2,200 RUB
MINIMUM AVERAGE MAXIMUM
$7.9 $12 $24
Chart showing the prices and cost of utility, energy, water, and gas in Chelyabinsk

Utility cost (monthly)


Utility Bill - Individual

610 RUB 4,300 RUB 29,000 RUB
MINIMUM AVERAGE MAXIMUM
$6.7 $48 $320

Utility Bill - Couple

1,600 RUB 5,400 RUB 35,000 RUB
MINIMUM AVERAGE MAXIMUM
$18 $60 $390

Utility Bill - Family

2,800 RUB 8,000 RUB 52,000 RUB
MINIMUM AVERAGE MAXIMUM
$31 $88 $570

Internet and cable

500 RUB 990 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.5 $11 $15

Mobile phone charges

400 RUB 660 RUB 2,000 RUB
MINIMUM AVERAGE MAXIMUM
$4.4 $7.3 $22

Leisure and activities costs


Movie ticket

250 RUB 330 RUB 500 RUB
MINIMUM AVERAGE MAXIMUM
$2.7 $3.6 $5.5

One month gym membership

860 RUB 1,100 RUB 2,200 RUB
MINIMUM AVERAGE MAXIMUM
$9.5 $12 $24
Chart showing the prices and cost of clothing and accessories in Chelyabinsk

Cloths and accessories costs


Pair of jeans or pants

630 RUB 900 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$7 $9.9 $15

Woman dress

600 RUB 830 RUB 2,700 RUB
MINIMUM AVERAGE MAXIMUM
$6.6 $9.1 $30

Woman shoes

570 RUB 770 RUB 1,800 RUB
MINIMUM AVERAGE MAXIMUM
$6.2 $8.5 $20

Men's shoes

490 RUB 600 RUB 1,200 RUB
MINIMUM AVERAGE MAXIMUM
$5.4 $6.6 $13

Men suit

540 RUB 670 RUB 3,600 RUB
MINIMUM AVERAGE MAXIMUM
$5.9 $7.4 $40

Regular t-shirt

270 RUB 360 RUB 1,100 RUB
MINIMUM AVERAGE MAXIMUM
$3 $4 $12
Chart showing the prices and cost of housing, accommodation, and rent in Chelyabinsk

Housing costs / monthly rent


Studio apartment

9,000 RUB 13,000 RUB 36,000 RUB
MINIMUM AVERAGE MAXIMUM
$99 $150 $400

1-bedroom apartment

13,000 RUB 22,000 RUB 54,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $240 $590

2-bedroom apartment

18,000 RUB 27,000 RUB 72,000 RUB
MINIMUM AVERAGE MAXIMUM
$200 $300 $790

Housing costs / Buying


Studio apartment

1.8M RUB 2.7M RUB 5.4M RUB
MINIMUM AVERAGE MAXIMUM
$20,000 $30,000 $59,000

1-bedroom apartment

2.2M RUB 3.6M RUB 13M RUB
MINIMUM AVERAGE MAXIMUM
$24,000 $40,000 $150,000

2-bedroom apartment

3.6M RUB 11M RUB 22M RUB
MINIMUM AVERAGE MAXIMUM
$40,000 $120,000 $240,000
Chart showing the prices and cost of furniture in Chelyabinsk

Furniture Costs


King Size Bed

9,900 RUB 12,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$110 $140 $180

Double Bed

6,600 RUB 9,900 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $110 $140

Single Bed

5,800 RUB 7,600 RUB 9,900 RUB
MINIMUM AVERAGE MAXIMUM
$64 $84 $110

Living Room

11,000 RUB 14,000 RUB 50,000 RUB
MINIMUM AVERAGE MAXIMUM
$120 $160 $550

Dining Table

5,000 RUB 6,600 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$55 $73 $140

Sofa or Couch

6,600 RUB 9,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $100 $220
Chart showing the prices and cost of electronic devices and appliances in Chelyabinsk

Electronics and House Appliance Costs


TV Set

6,600 RUB 9,900 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $110 $220

Fridge or Freezer

5,800 RUB 9,000 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$64 $100 $140

Washing Machine

7,600 RUB 11,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$84 $120 $220

Stove or Cooker

7,100 RUB 9,000 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$78 $100 $140

Mobile Phone

8,300 RUB 9,900 RUB 14,000 RUB
MINIMUM AVERAGE MAXIMUM
$91 $110 $160

Laptop or Computer

9,000 RUB 11,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $120 $220

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.

Yes61%

No39%


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

Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Chelyabinsk

Housing costs, accommodation, and housing affordability in Chelyabinsk

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


Rent Cost in Chelyabinsk

Monthly Rent Prices

Studio apartment monthly rent cost

9,000 RUB 13,000 RUB 36,000 RUB
MINIMUM AVERAGE MAXIMUM
$99 $150 $400

1-bedroom apartment monthly rent cost

13,000 RUB 22,000 RUB 54,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $240 $590

2-bedroom apartment monthly rent cost

18,000 RUB 27,000 RUB 72,000 RUB
MINIMUM AVERAGE MAXIMUM
$200 $300 $790

3-bedroom apartment monthly rent cost

22,000 RUB 36,000 RUB 98,000 RUB
MINIMUM AVERAGE MAXIMUM
$240 $400 $1,100

Furnished apartment monthly rent cost

43,000 RUB 110,000 RUB 220,000 RUB
MINIMUM AVERAGE MAXIMUM
$470 $1,200 $2,400

Townhouse monthly rent cost

36,000 RUB 54,000 RUB 150,000 RUB
MINIMUM AVERAGE MAXIMUM
$400 $590 $1,700

House monthly rent cost

43,000 RUB 110,000 RUB 220,000 RUB
MINIMUM AVERAGE MAXIMUM
$470 $1,200 $2,400

Villa monthly rent cost

54,000 RUB 130,000 RUB 220,000 RUB
MINIMUM AVERAGE MAXIMUM
$590 $1,500 $2,400

The monthly rental cost of a studio apartment in Chelyabinsk ranges between 9,000 RUB and 36,000 RUB, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 13,000 RUB to 54,000 RUB. Two-bedroom rentals rate ranges between 18,000 RUB and 72,000 RUB per month. The monthly rental for a three-bedroom apartment ranges from 22,000 RUB to 98,000 RUB. The average rent of a townhouse in Chelyabinsk is around 54,000 RUB while house rental costs can be as high as 110,000 RUB per month. Finally, if you want to rent a villa, expect to pay anywhere from 54,000 RUB to 220,000 RUB per month.



Apartment and house prices in Chelyabinsk

Cost of buying a property

Studio apartment price

1.8M RUB 2.7M RUB 5.4M RUB
MINIMUM AVERAGE MAXIMUM
$20,000 $30,000 $59,000

1-bedroom apartment price

2.2M RUB 3.6M RUB 13M RUB
MINIMUM AVERAGE MAXIMUM
$24,000 $40,000 $150,000

2-bedroom apartment price

3.6M RUB 11M RUB 22M RUB
MINIMUM AVERAGE MAXIMUM
$40,000 $120,000 $240,000

3-bedroom apartment price

12M RUB 18M RUB 54M RUB
MINIMUM AVERAGE MAXIMUM
$130,000 $200,000 $590,000

Townhouse price

15M RUB 36M RUB 130M RUB
MINIMUM AVERAGE MAXIMUM
$170,000 $400,000 $1.5M

House price

18M RUB 110M RUB 150M RUB
MINIMUM AVERAGE MAXIMUM
$200,000 $1.2M $1.7M

Villa price

22M RUB 120M RUB 180M RUB
MINIMUM AVERAGE MAXIMUM
$240,000 $1.3M $2M

The average price of a studio apartment in Chelyabinsk can range from 1.8M RUB to 5.4M RUB depending on location. One bedroom cost can be anywhere from 2.2M RUB to 13M RUB. A villa can cost you 120M RUB on average with prices ranging from 22M RUB to 180M RUB.


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


40 x118 monthly income 215
MINIMUM AVERAGE MAXIMUM

Property prices in Chelyabinsk can be x118 to x215 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x118 multiples of the average monthly salary in Chelyabinsk.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


22% 32% of income 42%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Chelyabinsk is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% to 42% 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
30%

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
2%
AVERAGE
3%
TO
3.9%

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.


160 RUB 2,100 RUB 21,000 RUB
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.

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.

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

Low-cost alternatives in Chelyabinsk

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 options60%

Few low-cost options40%


Based on the survey, 60% of the people living in Chelyabinsk have no problem finding low-cost alternatives to support a frugal lifestyle while 40% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Financial goals and targets of people living in Chelyabinsk

Financial goals of people in Chelyabinsk

In an attempt to understand the economic situation in Chelyabinsk, 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 Fund8%
Debt Reduction42%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses14%
Financial Independence5%

Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 42% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of people who are in debt in Chelyabinsk

Debt, loans, and mortgages in Chelyabinsk


Percentage of people who are in debt


In Debt
29%
Debt Free
71%

According to the survey, 29% of the people in Chelyabinsk have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Chelyabinsk

Debt-to-income ratio in Chelyabinsk

Debt to income ratio

30%

21% to 39%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 30% of the people's monthly income in Chelyabinsk goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%18%
40% - 50%14%
30% - 40%16%
20% - 30%10%
10% - 20%12%
0% - 10%26%

According to our data, 3% of the debtors in Chelyabinsk pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Chelyabinsk

Debt% People
Real Estate Mortgage8%
Auto Loan15%
Student Loan4%
Credit Card30%
Personal Loan43%

8% of debtors in Chelyabinsk confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Chelyabinsk.


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 Chelyabinsk

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.

Frequency% People
Never50%
Once a year24%
Twice a year13%
Three times a year9%
Four times a year4%

Expenditure to Income Ratio in Chelyabinsk

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 Chelyabinsk

Spending to Income Ratio

87%

79% to 96%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%4%
50% - 60%9%
60% - 70%15%
70% - 80%25%
80% - 90%20%
90% - 100%11%
100% - 110%6%
110% - 120%4%
120% - 130%3%
130% - 140%2%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Chelyabinsk is 87% This means that on average, people spend around 87% of their income for living. According to the distribution table, 15% 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
78%
Spending-Income-Ratio
71%
87%

Couple
83%
Spending-Income-Ratio
75%
92%

Family
91%
Spending-Income-Ratio
83%
100%


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

Housing cost for a family26%

26% of total expenses on average (21% to 36%)

LOW$200   18,000 RUB
AVERAGE$560   51,000 RUB
HIGH$3,700   330,000 RUB
Per Month

Utilities, Electricity, Water, Internet, Mobile6%

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

LOW$31   2,800 RUB
AVERAGE$88   8,000 RUB
HIGH$570   52,000 RUB
Per Month

Transport and Fuel Expenses5%

5% of total expenses on average (3% to 7%)

LOW$62   5,600 RUB
AVERAGE$180   16,000 RUB
HIGH$1,100   100,000 RUB
Per Month

Food and Groceries Cost21%

21% of total expenses on average (14% to 27%)

LOW$110   10,000 RUB
AVERAGE$320   29,000 RUB
HIGH$2,100   190,000 RUB
Per Month

Healthcare Expenses11%

11% of total expenses on average (7% to 16%)

LOW$56   5,000 RUB
AVERAGE$180   16,000 RUB
HIGH$920   83,000 RUB
Per Month

Leisure and Shopping Cost2%

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

LOW$31   2,800 RUB
AVERAGE$88   8,000 RUB
HIGH$570   52,000 RUB
Per Month

Education Cost13%

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

LOW$86   7,900 RUB
AVERAGE$250   22,000 RUB
HIGH$1,600   150,000 RUB
Per Month

Other Expenses16%

16% of total expenses on average (9% to 21%)

LOW$49   4,500 RUB
AVERAGE$140   13,000 RUB
HIGH$920   83,000 RUB
Per Month
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Chelyabinsk is 72,000 RUB. Expenses can range from 10,000 RUB at the minimum level to 480,000 RUB at the highest end.


Couples

The average monthly spending of couples in Chelyabinsk is 120,000 RUB. Expenditure can range from 40,000 RUB to 640,000 RUB per month.


Families

The average cost of living for families in Chelyabinsk is 160,000 RUB per month. Families spend anywhere from 56,000 RUB to 1M RUB.


Students

The average monthly expenditure for students in Chelyabinsk is 53,000 RUB. Students spend from 8,000 RUB to 350,000 RUB per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
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