Cost Of Living For a Couple in Belarus 2024

Couple cost of living chart - average monthly expenditure in Belarus

Average Monthly Expenditure

Currency: BYN
1,100 3,300 18,000
MINIMUM AVERAGE MAXIMUM
$340 $1,000 $5,400

Average monthly spending for couples in Belarus

How much money does a couple need in a month to survive in Belarus?

Couples in Belarus spend around 3,300 BYN per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 1,100 BYN or as high as 18,000 BYN. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Belarus


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

Dining, food, and beverages costs


Fast food combo meal

2.9 BYN 5.9 BYN 9.8 BYN
MINIMUM AVERAGE MAXIMUM
$0.90 $1.8 $3

Restaurant meal for one

9.8 BYN 15 BYN 29 BYN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $9

Fine dining meal for one

20 BYN 29 BYN 120 BYN
MINIMUM AVERAGE MAXIMUM
$6 $9 $36

Cappuccino or latte

2.5 BYN 3.9 BYN 5.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.75 $1.2 $1.8

Grocery and market costs


Milk large bottle

2 BYN 2.4 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.60 $0.72 $0.90

12 eggs

1.5 BYN 2 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.45 $0.60 $0.90

Fresh whole chicken

3.3 BYN 4.3 BYN 6.1 BYN
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.9

Pack of beef

3.9 BYN 5.9 BYN 12 BYN
MINIMUM AVERAGE MAXIMUM
$1.2 $1.8 $3.6

Medium bag of rice

1.6 BYN 2.2 BYN 3.1 BYN
MINIMUM AVERAGE MAXIMUM
$0.48 $0.66 $0.94

Bag of tomatos

0.59 BYN 0.79 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.45

Bag of apples

1.1 BYN 1.4 BYN 2.3 BYN
MINIMUM AVERAGE MAXIMUM
$0.32 $0.42 $0.69
Chart showing the prices and cost of commute, travel, and transportation in Belarus


Commute, travel, and transportation costs


20 minutes taxi ride

2.5 BYN 2.9 BYN 5.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.75 $0.90 $1.8

Average car full tank

15 BYN 20 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.5 $6 $12

Average car 1-day rental

15 BYN 20 BYN 29 BYN
MINIMUM AVERAGE MAXIMUM
$4.5 $6 $9

Average car price

7,400 BYN 15,000 BYN 20,000 BYN
MINIMUM AVERAGE MAXIMUM
$2,300 $4,500 $6,000

Bus ticket one way

0.49 BYN 0.74 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.15 $0.23 $0.45

Car Service

20 BYN 29 BYN 59 BYN
MINIMUM AVERAGE MAXIMUM
$6 $9 $18
Chart showing the prices and cost of utility, energy, water, and gas in Belarus


Utility cost (monthly)


Utility Bill - Couple

44 BYN 150 BYN 970 BYN
MINIMUM AVERAGE MAXIMUM
$14 $46 $300

Internet and cable

15 BYN 29 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.5 $9 $12

Mobile phone charges

12 BYN 20 BYN 59 BYN
MINIMUM AVERAGE MAXIMUM
$3.6 $6 $18

Leisure and activities costs


Movie ticket

7.4 BYN 9.8 BYN 15 BYN
MINIMUM AVERAGE MAXIMUM
$2.3 $3 $4.5

One month gym membership

24 BYN 29 BYN 59 BYN
MINIMUM AVERAGE MAXIMUM
$7.2 $9 $18
Chart showing the prices and cost of clothing and accessories in Belarus


Cloths and accessories costs


Pair of jeans or pants

17 BYN 25 BYN 37 BYN
MINIMUM AVERAGE MAXIMUM
$5.3 $7.5 $11

Woman dress

16 BYN 23 BYN 74 BYN
MINIMUM AVERAGE MAXIMUM
$5 $6.9 $23

Woman shoes

15 BYN 21 BYN 49 BYN
MINIMUM AVERAGE MAXIMUM
$4.7 $6.4 $15

Men's shoes

13 BYN 16 BYN 33 BYN
MINIMUM AVERAGE MAXIMUM
$4.1 $5 $10

Men suit

15 BYN 18 BYN 98 BYN
MINIMUM AVERAGE MAXIMUM
$4.5 $5.6 $30

Regular t-shirt

7.4 BYN 9.8 BYN 29 BYN
MINIMUM AVERAGE MAXIMUM
$2.3 $3 $9
Chart showing the prices and cost of housing, accommodation, and rent in Belarus


Housing costs / monthly rent


Studio apartment

250 BYN 370 BYN 980 BYN
MINIMUM AVERAGE MAXIMUM
$75 $110 $300

1-bedroom apartment

370 BYN 590 BYN 1,500 BYN
MINIMUM AVERAGE MAXIMUM
$110 $180 $450

2-bedroom apartment

490 BYN 740 BYN 2,000 BYN
MINIMUM AVERAGE MAXIMUM
$150 $230 $600

Housing costs / Buying


Studio apartment

49,000 BYN 74,000 BYN 150,000 BYN
MINIMUM AVERAGE MAXIMUM
$15,000 $23,000 $45,000

1-bedroom apartment

59,000 BYN 98,000 BYN 370,000 BYN
MINIMUM AVERAGE MAXIMUM
$18,000 $30,000 $110,000

2-bedroom apartment

98,000 BYN 290,000 BYN 590,000 BYN
MINIMUM AVERAGE MAXIMUM
$30,000 $90,000 $180,000
Chart showing the prices and cost of furniture in Belarus


Furniture Costs


King Size Bed

290 BYN 370 BYN 490 BYN
MINIMUM AVERAGE MAXIMUM
$90 $110 $150

Double Bed

200 BYN 290 BYN 370 BYN
MINIMUM AVERAGE MAXIMUM
$60 $90 $110

Single Bed

170 BYN 230 BYN 290 BYN
MINIMUM AVERAGE MAXIMUM
$53 $69 $90

Living Room

330 BYN 420 BYN 1,500 BYN
MINIMUM AVERAGE MAXIMUM
$100 $130 $450

Dining Table

150 BYN 200 BYN 370 BYN
MINIMUM AVERAGE MAXIMUM
$45 $60 $110

Sofa or Couch

200 BYN 270 BYN 590 BYN
MINIMUM AVERAGE MAXIMUM
$60 $82 $180
Chart showing the prices and cost of electronic devices and appliances in Belarus


Electronics and House Appliance Costs


TV Set

200 BYN 290 BYN 590 BYN
MINIMUM AVERAGE MAXIMUM
$60 $90 $180

Fridge or Freezer

170 BYN 270 BYN 370 BYN
MINIMUM AVERAGE MAXIMUM
$53 $82 $110

Washing Machine

230 BYN 330 BYN 590 BYN
MINIMUM AVERAGE MAXIMUM
$69 $100 $180

Stove or Cooker

210 BYN 270 BYN 370 BYN
MINIMUM AVERAGE MAXIMUM
$64 $82 $110

Mobile Phone

250 BYN 290 BYN 420 BYN
MINIMUM AVERAGE MAXIMUM
$75 $90 $130

Laptop or Computer

270 BYN 330 BYN 590 BYN
MINIMUM AVERAGE MAXIMUM
$82 $100 $180
Couple cost of living and expenditure to income ratio in Belarus

Couple expenditure to income ratio in Belarus

Analysing the how affordable it is for couples to live in Belarus

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. Couples usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a couple of four ranges between 70% to 80%.


Spending to Income Ratio

80%

72% to 88%

( expenditure / income ) x 100


Couples in Belarus spend around 80% of their monthly income. Some couples spend as low as 72% of their income while some as high as 88%.

Distribution of monthly cost of living expenses of a couple in Belarus

How do couples spend their money in Belarus?

We asked thousands of couples about their spending habits and expenditure break down.


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 and accomodation expenditure for couples

Accomodation Cost29%

29% of total expenses on average (22% to 39%)

LOW$120   380 BYN
AVERAGE$350   1,100 BYN
HIGH$1,800   6,000 BYN
Per Month

Couples in Belarus typically spend from 22% to 39% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 1,100 BYN with expenditure ranging from 380 BYN to 6,000 BYN. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Cost of utilities7%

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

LOW$14   44 BYN
AVERAGE$46   150 BYN
HIGH$300   970 BYN
Per Month

Utility expenditure like electricity, water, and gas in Belarus ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 150 BYN with 44 BYN and 970 BYN being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel10%

10% of total expenses on average (4% to 15%)

LOW$41   130 BYN
AVERAGE$120   400 BYN
HIGH$650   2,100 BYN
Per Month

Fuel consumption and cost of transport depend heavily on whether a couple resides near school and work, but roughly speaking a couple would expect to spend from 130 BYN to 2,100 BYN in a month on commuting with 400 BYN being the norm for most couples. This means that money spent on transport constitutes about 10% of total spending on average but can go as low as 4% or as high as 15%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost16%

16% of total expenses on average (11% to 21%)

LOW$47   150 BYN
AVERAGE$140   460 BYN
HIGH$760   2,500 BYN
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Belarus is 460 BYN. The cost of groceries can range between 150 BYN to 2,500 BYN. Couples spend on average about 16% on food and groceries with upper and lower bounds of 11% and 21% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare13%

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

LOW$37   120 BYN
AVERAGE$110   370 BYN
HIGH$600   1,900 BYN
Per Month

Couples in Belarus allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 120 BYN to 1,900 BYN with 370 BYN being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping4%

4% of total expenses on average (2% to 7%)

LOW$20   66 BYN
AVERAGE$61   200 BYN
HIGH$330   1,100 BYN
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 66 BYN to 1,100 BYN with 200 BYN being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 4% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling2%

2% of total expenses on average (1% to 4%)

LOW$6.8   22 BYN
AVERAGE$20   66 BYN
HIGH$110   350 BYN
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 2% of the monthly expenditure of couples with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 66 BYN per month with 22 BYN being the minimum spent amount and 350 BYN being the maximum.

Other Expenses19%

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

LOW$58   190 BYN
AVERAGE$170   560 BYN
HIGH$920   3,000 BYN
Per Month
Percentage of couples who manage to save money from their income every month in Belarus

What percentage of couples in Belarus are able to save money and how much can they save?


Percentage of couples that reported their ability to save money


Saving Money
57%
Not Saving
43%

Almost 57% of surveyed couples in Belarus said that they can save some money at the end of each month while 43% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Belarus

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.


How much money do couples manage to add to their savings?

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.

Saving to Income Ratio

13% 22% of income 33%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

370 BYN
$110
1,100 BYN
$340
5,800 BYN
$1,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%33%
10% - 20%25%
20% - 30%19%
30% - 40%11%
40% - 50%9%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 13% to 33% of their monthly income to their savings, with 22% being the average for most couples. The average monthly amount of money that couples can put aside is 1,100 BYN with 370 BYN and 5,800 BYN being the minimum and maximum respectively.

Reasons that make it difficult for couples to save money in Belarus

Saving Challenges in Belarus

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans17%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later18%
Inflation11%
Social Pressure3%
Market Instability3%

Around 6% of the couples said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 17% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% of couples blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% 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. 11% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Belarus

Typical saving choices for couples in Belarus

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings17%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
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 for couples to live in Belarus

Affordable living in Belarus

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Belarus?


Yes
59%
No
41%

Around 59% of surveyed couples think that living in Belarus is affordable with proper budgeting while 41% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for couples. Are there plenty of low-cost options in Belarus

Low-cost alternatives in Belarus

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 couples how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options59%

Few low-cost options41%


Based on the survey, 59% of the couples living in Belarus have no problem finding low-cost alternatives to support a frugal lifestyle while 41% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

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

Yes59%

No41%


Based on the survey, 41% of the couples living in Belarus said that they don't have an emergency fund while 59% said that they do.

Financial literacy and difficulty in budgeting and financial planning for couples in Belarus

Financial Literacy in Belarus

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 Leteracy54%


We asked couple guardians and parents in Belarus whether they acquired any adequate personal financial training in their lives. Approximately 46% 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 54% 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 couples of Belarus have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 36% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 64% said that they have everything under control.

Struggles with finance36%

Easily manages finances64%

Financial goals and targets of couples living in Belarus

Financial goals of couples in Belarus

In an attempt to understand the economic situation in Belarus, 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 Fund7%
Debt Reduction35%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses10%
Financial Independence8%

Around 7% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 35% said their number one priority is to pay off high-interest debt or loans and improve credit. 8% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 10% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 10% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of couples who are in debt in Belarus

Debt, loans, and mortgages in Belarus


Percentage of couples who are in debt


In Debt
25%
Debt Free
75%

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


Chart showing debt-to-income ratio in Belarus

Debt-to-income ratio in Belarus

Debt to income ratio

29%

21% to 38%

( 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 29% of a couple's monthly income in Belarus goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%13%
40% - 50%12%
30% - 40%14%
20% - 30%14%
10% - 20%17%
0% - 10%27%

According to our data, 3% of the debtors in Belarus pay 60%+ of their income as debt settlement while 13% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% dedicated 30% to 40% of income for same. Things are looking brighter for 14% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Belarus

Debt% People
Real Estate Mortgage12%
Auto Loan21%
Student Loan3%
Credit Card26%
Personal Loan38%

12% of debtors in Belarus confirm that real estate mortgages constitutes the main part of their outstanding debt while 26% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 21% of people and personal loans rose at 38%. Lastly, student loans are the main source of debt for 3% of debtors in Belarus.


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 Belarus

Besides measuring the loan-to-income ratio, we asked couples of Belarus 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
Never54%
Once a year22%
Twice a year12%
Three times a year8%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Belarus

Housing costs, accommodation, and housing affordability in Belarus

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


Rent Cost in Belarus

Monthly Rent Prices

Studio apartment monthly rent cost

250 BYN 370 BYN 980 BYN
MINIMUM AVERAGE MAXIMUM
$75 $110 $300

1-bedroom apartment monthly rent cost

370 BYN 590 BYN 1,500 BYN
MINIMUM AVERAGE MAXIMUM
$110 $180 $450

2-bedroom apartment monthly rent cost

490 BYN 740 BYN 2,000 BYN
MINIMUM AVERAGE MAXIMUM
$150 $230 $600

3-bedroom apartment monthly rent cost

590 BYN 980 BYN 2,700 BYN
MINIMUM AVERAGE MAXIMUM
$180 $300 $820

Furnished apartment monthly rent cost

1,200 BYN 2,900 BYN 5,900 BYN
MINIMUM AVERAGE MAXIMUM
$360 $900 $1,800

Townhouse monthly rent cost

980 BYN 1,500 BYN 4,200 BYN
MINIMUM AVERAGE MAXIMUM
$300 $450 $1,300

House monthly rent cost

1,200 BYN 2,900 BYN 5,900 BYN
MINIMUM AVERAGE MAXIMUM
$360 $900 $1,800

Villa monthly rent cost

1,500 BYN 3,700 BYN 5,900 BYN
MINIMUM AVERAGE MAXIMUM
$450 $1,100 $1,800

The monthly rental cost of a studio apartment in Belarus ranges between 250 BYN and 980 BYN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 370 BYN to 1,500 BYN. Two-bedroom rentals rate ranges between 490 BYN and 2,000 BYN per month. The monthly rental for a three-bedroom apartment ranges from 590 BYN to 2,700 BYN. The average rent of a townhouse in Belarus is around 1,500 BYN while house rental costs can be as high as 2,900 BYN per month. Finally, if you want to rent a villa, expect to pay anywhere from 1,500 BYN to 5,900 BYN per month.



Apartment and house prices in Belarus

Cost of buying a property

Studio apartment price

49,000 BYN 74,000 BYN 150,000 BYN
MINIMUM AVERAGE MAXIMUM
$15,000 $23,000 $45,000

1-bedroom apartment price

59,000 BYN 98,000 BYN 370,000 BYN
MINIMUM AVERAGE MAXIMUM
$18,000 $30,000 $110,000

2-bedroom apartment price

98,000 BYN 290,000 BYN 590,000 BYN
MINIMUM AVERAGE MAXIMUM
$30,000 $90,000 $180,000

3-bedroom apartment price

330,000 BYN 490,000 BYN 1.5M BYN
MINIMUM AVERAGE MAXIMUM
$100,000 $150,000 $450,000

Townhouse price

420,000 BYN 980,000 BYN 3.7M BYN
MINIMUM AVERAGE MAXIMUM
$130,000 $300,000 $1.1M

House price

490,000 BYN 2.9M BYN 4.2M BYN
MINIMUM AVERAGE MAXIMUM
$150,000 $900,000 $1.3M

Villa price

590,000 BYN 3.3M BYN 4.9M BYN
MINIMUM AVERAGE MAXIMUM
$180,000 $1M $1.5M

The average price of a studio apartment in Belarus can range from 49,000 BYN to 150,000 BYN depending on location. One bedroom cost can be anywhere from 59,000 BYN to 370,000 BYN. A villa can cost you 3.3M BYN on average with prices ranging from 590,000 BYN to 4.9M BYN.


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


38 x110 monthly income 206
MINIMUM AVERAGE MAXIMUM

Property prices in Belarus can be x110 to x206 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x110 multiples of the average monthly salary in Belarus.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


21% 31% of income 41%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Belarus is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 21% to 41% 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
29%

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
2.1%
AVERAGE
3.1%
TO
4.1%

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.


4.4 BYN 58 BYN 580 BYN
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 Belarus

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

44 BYN 150 BYN 970 BYN
MINIMUM AVERAGE MAXIMUM
$14 $46 $300

Internet and cable cost

15 BYN 29 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.5 $9 $12

Mobile phone bill and charges

12 BYN 20 BYN 59 BYN
MINIMUM AVERAGE MAXIMUM
$3.6 $6 $18

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 energy and water consumption of couples is around 150 BYN. The cost of internet and WiFi ranges from 15 BYN to 39 BYN with 29 BYN being the average internet bill. Finally, the average monthly mobile charges is around 20 BYN but can range between 12 BYN and 59 BYN 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


3% 6% of income 10%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Belarus is around 6%. This means that people pay 6% of their income for energy, water, internet, and mobile charges. Those figures can range from 3% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Belarus

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


Prices and cost of goods and services in Belarus

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

Fast food combo meal price

2.9 BYN 5.9 BYN 9.8 BYN
MINIMUM AVERAGE MAXIMUM
$0.90 $1.8 $3

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Belarus is approximatly 5.9 BYN with meal cost ranging from 2.9 BYN to 9.8 BYN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

9.8 BYN 15 BYN 29 BYN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $9

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 9.8 BYN and 29 BYN with 15 BYN being the average price of a plate for one person at a regular restaurant in Belarus.

Fine dining meal for one price

20 BYN 29 BYN 120 BYN
MINIMUM AVERAGE MAXIMUM
$6 $9 $36

The price range of a meal at fine-dining restaurant is 20 BYN to 120 BYN with the average cost being 29 BYN for one person. This is what you would expect to pay a top-tier diner in Belarus.

Beverage prices, cappuccino, latte etc..

2.5 BYN 3.9 BYN 5.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.75 $1.2 $1.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Belarus is around 3.9 BYN. Price ranges between 2.5 BYN and 5.9 BYN depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

2 BYN 2.4 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.60 $0.72 $0.90

The average price of a large bottle of milk in Belarus is 2.4 BYN. The maximum what you would pay for milk is 2.9 BYN and the minimum being 2 BYN depending on the brand of milk and other properties.

12 eggs price

1.5 BYN 2 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.45 $0.60 $0.90

A dozen eggs costs around 2 BYN on average with 1.5 BYN and 2.9 BYN being the lower and upper limits respectively.

Fresh whole chicken price

3.3 BYN 4.3 BYN 6.1 BYN
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.9

The price range of a fresh whole chicken in Belarus is between 3.3 BYN and 6.1 BYN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 4.3 BYN.

Pack of beef price

3.9 BYN 5.9 BYN 12 BYN
MINIMUM AVERAGE MAXIMUM
$1.2 $1.8 $3.6

The price of a regular pack of beef or meat is around 5.9 BYN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

1.6 BYN 2.2 BYN 3.1 BYN
MINIMUM AVERAGE MAXIMUM
$0.48 $0.66 $0.94

A bag of rice in Belarus costs around 2.2 BYN on average with prices rangeing between 1.6 BYN and 3.1 BYN depending on the brand and quality.

Bag of tomatos price

0.59 BYN 0.79 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.45

A bag of tomatoes costs anywhere from 0.59 BYN to 1.5 BYN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1.1 BYN 1.4 BYN 2.3 BYN
MINIMUM AVERAGE MAXIMUM
$0.32 $0.42 $0.69

A bag of apples costs 1.4 BYN 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


18% 26% of income 32%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Belarus is around 26%. This means that couples spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 32% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 150 BYN to 2,500 BYN with the location, income, and size of the couple being the most determinite factors.

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