Cost Of Living For a Couple in Bhutan 2025

Couple cost of living chart - average monthly expenditure in Bhutan

Average Monthly Expenditure

Currency: BTN
14,000 43,000 230,000
MINIMUM AVERAGE MAXIMUM
$170 $520 $2,800

Average monthly spending for couples in Bhutan

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

Couples in Bhutan spend around 43,000 BTN per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 14,000 BTN or as high as 230,000 BTN. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Bhutan


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

Dining, food, and beverages costs


Fast food combo meal

37 BTN 75 BTN 120 BTN
MINIMUM AVERAGE MAXIMUM
$0.45 $0.90 $1.5

Restaurant meal for one

120 BTN 190 BTN 370 BTN
MINIMUM AVERAGE MAXIMUM
$1.5 $2.3 $4.5

Fine dining meal for one

250 BTN 370 BTN 1,500 BTN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $18

Cappuccino or latte

31 BTN 50 BTN 75 BTN
MINIMUM AVERAGE MAXIMUM
$0.38 $0.60 $0.90

Grocery and market costs


Milk large bottle

25 BTN 30 BTN 37 BTN
MINIMUM AVERAGE MAXIMUM
$0.30 $0.36 $0.45

12 eggs

19 BTN 25 BTN 37 BTN
MINIMUM AVERAGE MAXIMUM
$0.23 $0.30 $0.45

Fresh whole chicken

42 BTN 55 BTN 78 BTN
MINIMUM AVERAGE MAXIMUM
$0.51 $0.66 $0.94

Pack of beef

50 BTN 75 BTN 150 BTN
MINIMUM AVERAGE MAXIMUM
$0.60 $0.90 $1.8

Medium bag of rice

20 BTN 27 BTN 39 BTN
MINIMUM AVERAGE MAXIMUM
$0.24 $0.33 $0.47

Bag of tomatos

7.5 BTN 10 BTN 19 BTN
MINIMUM AVERAGE MAXIMUM
$0.09 $0.12 $0.23

Bag of apples

13 BTN 17 BTN 29 BTN
MINIMUM AVERAGE MAXIMUM
$0.16 $0.21 $0.35
Chart showing the prices and cost of commute, travel, and transportation in Bhutan


Commute, travel, and transportation costs


20 minutes taxi ride

31 BTN 37 BTN 75 BTN
MINIMUM AVERAGE MAXIMUM
$0.38 $0.45 $0.90

Average car full tank

190 BTN 250 BTN 500 BTN
MINIMUM AVERAGE MAXIMUM
$2.3 $3 $6

Average car 1-day rental

190 BTN 250 BTN 370 BTN
MINIMUM AVERAGE MAXIMUM
$2.3 $3 $4.5

Average car price

93,000 BTN 190,000 BTN 250,000 BTN
MINIMUM AVERAGE MAXIMUM
$1,100 $2,300 $3,000

Bus ticket one way

6.2 BTN 9.3 BTN 19 BTN
MINIMUM AVERAGE MAXIMUM
$0.08 $0.11 $0.23

Car Service

250 BTN 370 BTN 750 BTN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $9
Chart showing the prices and cost of utility, energy, water, and gas in Bhutan


Utility cost (monthly)


Utility Bill - Couple

580 BTN 1,900 BTN 13,000 BTN
MINIMUM AVERAGE MAXIMUM
$7 $23 $150

Internet and cable

190 BTN 370 BTN 500 BTN
MINIMUM AVERAGE MAXIMUM
$2.3 $4.5 $6

Mobile phone charges

150 BTN 250 BTN 750 BTN
MINIMUM AVERAGE MAXIMUM
$1.8 $3 $9

Leisure and activities costs


Movie ticket

93 BTN 120 BTN 190 BTN
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $2.3

One month gym membership

300 BTN 370 BTN 750 BTN
MINIMUM AVERAGE MAXIMUM
$3.6 $4.5 $9
Chart showing the prices and cost of clothing and accessories in Bhutan


Cloths and accessories costs


Pair of jeans or pants

220 BTN 310 BTN 470 BTN
MINIMUM AVERAGE MAXIMUM
$2.7 $3.8 $5.6

Woman dress

210 BTN 290 BTN 930 BTN
MINIMUM AVERAGE MAXIMUM
$2.5 $3.5 $11

Woman shoes

200 BTN 270 BTN 620 BTN
MINIMUM AVERAGE MAXIMUM
$2.4 $3.2 $7.5

Men's shoes

170 BTN 210 BTN 420 BTN
MINIMUM AVERAGE MAXIMUM
$2 $2.5 $5

Men suit

190 BTN 230 BTN 1,200 BTN
MINIMUM AVERAGE MAXIMUM
$2.3 $2.8 $15

Regular t-shirt

93 BTN 120 BTN 370 BTN
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $4.5
Chart showing the prices and cost of housing, accommodation, and rent in Bhutan


Housing costs / monthly rent


Studio apartment

3,100 BTN 4,700 BTN 12,000 BTN
MINIMUM AVERAGE MAXIMUM
$38 $56 $150

1-bedroom apartment

4,700 BTN 7,500 BTN 19,000 BTN
MINIMUM AVERAGE MAXIMUM
$56 $90 $230

2-bedroom apartment

6,200 BTN 9,300 BTN 25,000 BTN
MINIMUM AVERAGE MAXIMUM
$75 $110 $300

Housing costs / Buying


Studio apartment

620,000 BTN 930,000 BTN 1.9M BTN
MINIMUM AVERAGE MAXIMUM
$7,500 $11,000 $23,000

1-bedroom apartment

750,000 BTN 1.2M BTN 4.7M BTN
MINIMUM AVERAGE MAXIMUM
$9,000 $15,000 $56,000

2-bedroom apartment

1.2M BTN 3.7M BTN 7.5M BTN
MINIMUM AVERAGE MAXIMUM
$15,000 $45,000 $90,000
Chart showing the prices and cost of furniture in Bhutan


Furniture Costs


King Size Bed

3,700 BTN 4,700 BTN 6,200 BTN
MINIMUM AVERAGE MAXIMUM
$45 $56 $75

Double Bed

2,500 BTN 3,700 BTN 4,700 BTN
MINIMUM AVERAGE MAXIMUM
$30 $45 $56

Single Bed

2,200 BTN 2,900 BTN 3,700 BTN
MINIMUM AVERAGE MAXIMUM
$27 $35 $45

Living Room

4,200 BTN 5,300 BTN 19,000 BTN
MINIMUM AVERAGE MAXIMUM
$50 $64 $230

Dining Table

1,900 BTN 2,500 BTN 4,700 BTN
MINIMUM AVERAGE MAXIMUM
$23 $30 $56

Sofa or Couch

2,500 BTN 3,400 BTN 7,500 BTN
MINIMUM AVERAGE MAXIMUM
$30 $41 $90
Chart showing the prices and cost of electronic devices and appliances in Bhutan


Electronics and House Appliance Costs


TV Set

2,500 BTN 3,700 BTN 7,500 BTN
MINIMUM AVERAGE MAXIMUM
$30 $45 $90

Fridge or Freezer

2,200 BTN 3,400 BTN 4,700 BTN
MINIMUM AVERAGE MAXIMUM
$27 $41 $56

Washing Machine

2,900 BTN 4,200 BTN 7,500 BTN
MINIMUM AVERAGE MAXIMUM
$35 $50 $90

Stove or Cooker

2,700 BTN 3,400 BTN 4,700 BTN
MINIMUM AVERAGE MAXIMUM
$32 $41 $56

Mobile Phone

3,100 BTN 3,700 BTN 5,300 BTN
MINIMUM AVERAGE MAXIMUM
$38 $45 $64

Laptop or Computer

3,400 BTN 4,200 BTN 7,500 BTN
MINIMUM AVERAGE MAXIMUM
$41 $50 $90
Couple cost of living and expenditure to income ratio in Bhutan

Couple expenditure to income ratio in Bhutan

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

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

83%

77% to 91%

( expenditure / income ) x 100


Couples in Bhutan spend around 83% of their monthly income. Some couples spend as low as 77% of their income while some as high as 91%.

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

How do couples spend their money in Bhutan?

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 Cost26%

26% of total expenses on average (19% to 36%)

LOW$59   4,900 BTN
AVERAGE$180   15,000 BTN
HIGH$950   78,000 BTN
Per Month

Couples in Bhutan typically spend from 19% to 36% of their total monthly expenditure on housing with 26% being the average. The average monthly spend on housing is 15,000 BTN with expenditure ranging from 4,900 BTN to 78,000 BTN. 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 utilities8%

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

LOW$7   580 BTN
AVERAGE$23   1,900 BTN
HIGH$150   13,000 BTN
Per Month

Utility expenditure like electricity, water, and gas in Bhutan ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 1,900 BTN with 580 BTN and 13,000 BTN being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel9%

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

LOW$21   1,700 BTN
AVERAGE$63   5,200 BTN
HIGH$330   28,000 BTN
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 1,700 BTN to 28,000 BTN in a month on commuting with 5,200 BTN being the norm for most couples. This means that money spent on transport constitutes about 9% of total spending on average but can go as low as 3% or as high as 14%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost17%

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

LOW$24   2,000 BTN
AVERAGE$73   6,100 BTN
HIGH$390   32,000 BTN
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Bhutan is 6,100 BTN. The cost of groceries can range between 2,000 BTN to 32,000 BTN. Couples spend on average about 17% on food and groceries with upper and lower bounds of 12% and 22% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare14%

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

LOW$19   1,600 BTN
AVERAGE$57   4,800 BTN
HIGH$310   25,000 BTN
Per Month

Couples in Bhutan allocate 8% to 18% 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 14%. The range of medical expenses range from 1,600 BTN to 25,000 BTN with 4,800 BTN being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping3%

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

LOW$10   860 BTN
AVERAGE$31   2,600 BTN
HIGH$170   14,000 BTN
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 860 BTN to 14,000 BTN with 2,600 BTN being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 3% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling1%

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

LOW$3.5   290 BTN
AVERAGE$10   860 BTN
HIGH$56   4,600 BTN
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 1% of the monthly expenditure of couples with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 860 BTN per month with 290 BTN being the minimum spent amount and 4,600 BTN being the maximum.

Other Expenses21%

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

LOW$30   2,500 BTN
AVERAGE$89   7,400 BTN
HIGH$470   39,000 BTN
Per Month
Percentage of couples who manage to save money from their income every month in Bhutan

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


Percentage of couples that reported their ability to save money


Saving Money
53%
Not Saving
48%

Almost 53% of surveyed couples in Bhutan said that they can save some money at the end of each month while 48% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Bhutan

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

9% 17% of income 29%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,300 BTN
$52
13,000 BTN
$150
68,000 BTN
$830
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%37%
10% - 20%28%
20% - 30%19%
30% - 40%7%
40% - 50%6%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9% to 29% of their monthly income to their savings, with 17% being the average for most couples. The average monthly amount of money that couples can put aside is 13,000 BTN with 4,300 BTN and 68,000 BTN being the minimum and maximum respectively.

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

Saving Challenges in Bhutan

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the couples 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. 12% of couples 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 couples choose to put their savings in Bhutan

Typical saving choices for couples in Bhutan

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%
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 Bhutan

Affordable living in Bhutan

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Bhutan?


Yes
48%
No
52%

Around 48% of surveyed couples think that living in Bhutan is affordable with proper budgeting while 52% 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 Bhutan

Low-cost alternatives in Bhutan

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 options55%

Few low-cost options45%


Based on the survey, 55% of the couples living in Bhutan have no problem finding low-cost alternatives to support a frugal lifestyle while 45% 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 Bhutan whether they have an emergency fund and the answers were as follows.

Yes47%

No53%


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

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

Financial Literacy in Bhutan

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 Leteracy43%


We asked couple guardians and parents in Bhutan whether they acquired any adequate personal financial training in their lives. Approximately 57% 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 43% 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 Bhutan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 51% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 49% said that they have everything under control.

Struggles with finance51%

Easily manages finances49%

Financial goals and targets of couples living in Bhutan

Financial goals of couples in Bhutan

In an attempt to understand the economic situation in Bhutan, 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 Reduction43%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle6%
Healthcare Expenses14%
Financial Independence5%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% 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. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% 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 couples who are in debt in Bhutan

Debt, loans, and mortgages in Bhutan


Percentage of couples who are in debt


In Debt
30%
Debt Free
70%

According to the survey, 30% of the couples in Bhutan have some kind of debt, loan, mortgage, or credit card payments while 70% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Bhutan

Debt-to-income ratio in Bhutan

Debt to income ratio

32%

24% to 41%

( 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 32% of a couple's monthly income in Bhutan 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%15%
30% - 40%17%
20% - 30%10%
10% - 20%12%
0% - 10%25%

According to our data, 3% of the debtors in Bhutan 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. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% 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 Bhutan

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

8% of debtors in Bhutan 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 Bhutan.


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 Bhutan

Besides measuring the loan-to-income ratio, we asked couples of Bhutan 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%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Bhutan

Housing costs, accommodation, and housing affordability in Bhutan

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


Rent Cost in Bhutan

Monthly Rent Prices

Studio apartment monthly rent cost

3,100 BTN 4,700 BTN 12,000 BTN
MINIMUM AVERAGE MAXIMUM
$38 $56 $150

1-bedroom apartment monthly rent cost

4,700 BTN 7,500 BTN 19,000 BTN
MINIMUM AVERAGE MAXIMUM
$56 $90 $230

2-bedroom apartment monthly rent cost

6,200 BTN 9,300 BTN 25,000 BTN
MINIMUM AVERAGE MAXIMUM
$75 $110 $300

3-bedroom apartment monthly rent cost

7,500 BTN 12,000 BTN 34,000 BTN
MINIMUM AVERAGE MAXIMUM
$90 $150 $410

Furnished apartment monthly rent cost

15,000 BTN 37,000 BTN 75,000 BTN
MINIMUM AVERAGE MAXIMUM
$180 $450 $900

Townhouse monthly rent cost

12,000 BTN 19,000 BTN 53,000 BTN
MINIMUM AVERAGE MAXIMUM
$150 $230 $640

House monthly rent cost

15,000 BTN 37,000 BTN 75,000 BTN
MINIMUM AVERAGE MAXIMUM
$180 $450 $900

Villa monthly rent cost

19,000 BTN 47,000 BTN 75,000 BTN
MINIMUM AVERAGE MAXIMUM
$230 $560 $900

The monthly rental cost of a studio apartment in Bhutan ranges between 3,100 BTN and 12,000 BTN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 4,700 BTN to 19,000 BTN. Two-bedroom rentals rate ranges between 6,200 BTN and 25,000 BTN per month. The monthly rental for a three-bedroom apartment ranges from 7,500 BTN to 34,000 BTN. The average rent of a townhouse in Bhutan is around 19,000 BTN while house rental costs can be as high as 37,000 BTN per month. Finally, if you want to rent a villa, expect to pay anywhere from 19,000 BTN to 75,000 BTN per month.



Apartment and house prices in Bhutan

Cost of buying a property

Studio apartment price

620,000 BTN 930,000 BTN 1.9M BTN
MINIMUM AVERAGE MAXIMUM
$7,500 $11,000 $23,000

1-bedroom apartment price

750,000 BTN 1.2M BTN 4.7M BTN
MINIMUM AVERAGE MAXIMUM
$9,000 $15,000 $56,000

2-bedroom apartment price

1.2M BTN 3.7M BTN 7.5M BTN
MINIMUM AVERAGE MAXIMUM
$15,000 $45,000 $90,000

3-bedroom apartment price

4.2M BTN 6.2M BTN 19M BTN
MINIMUM AVERAGE MAXIMUM
$50,000 $75,000 $230,000

Townhouse price

5.3M BTN 12M BTN 47M BTN
MINIMUM AVERAGE MAXIMUM
$64,000 $150,000 $560,000

House price

6.2M BTN 37M BTN 53M BTN
MINIMUM AVERAGE MAXIMUM
$75,000 $450,000 $640,000

Villa price

7.5M BTN 42M BTN 62M BTN
MINIMUM AVERAGE MAXIMUM
$90,000 $500,000 $750,000

The average price of a studio apartment in Bhutan can range from 620,000 BTN to 1.9M BTN depending on location. One bedroom cost can be anywhere from 750,000 BTN to 4.7M BTN. A villa can cost you 42M BTN on average with prices ranging from 7.5M BTN to 62M BTN.


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


30 x83 monthly income 190
MINIMUM AVERAGE MAXIMUM

Property prices in Bhutan can be x83 to x190 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x83 multiples of the average monthly salary in Bhutan.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


18% 28% of income 38%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Bhutan is around 28%. This means that people pay 28% of their income for rent. Those figures can range from 18% to 38% 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
26%

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
1.8%
AVERAGE
2.8%
TO
3.8%

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.


58 BTN 750 BTN 7,500 BTN
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 Bhutan

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

580 BTN 1,900 BTN 13,000 BTN
MINIMUM AVERAGE MAXIMUM
$7 $23 $150

Internet and cable cost

190 BTN 370 BTN 500 BTN
MINIMUM AVERAGE MAXIMUM
$2.3 $4.5 $6

Mobile phone bill and charges

150 BTN 250 BTN 750 BTN
MINIMUM AVERAGE MAXIMUM
$1.8 $3 $9

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 1,900 BTN. The cost of internet and WiFi ranges from 190 BTN to 500 BTN with 370 BTN being the average internet bill. Finally, the average monthly mobile charges is around 250 BTN but can range between 150 BTN and 750 BTN 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% 7% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Bhutan is around 7%. This means that people pay 7% of their income for energy, water, internet, and mobile charges. Those figures can range from 4% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Bhutan

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


Prices and cost of goods and services in Bhutan

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

Fast food combo meal price

37 BTN 75 BTN 120 BTN
MINIMUM AVERAGE MAXIMUM
$0.45 $0.90 $1.5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Bhutan is approximatly 75 BTN with meal cost ranging from 37 BTN to 120 BTN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

120 BTN 190 BTN 370 BTN
MINIMUM AVERAGE MAXIMUM
$1.5 $2.3 $4.5

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 120 BTN and 370 BTN with 190 BTN being the average price of a plate for one person at a regular restaurant in Bhutan.

Fine dining meal for one price

250 BTN 370 BTN 1,500 BTN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $18

The price range of a meal at fine-dining restaurant is 250 BTN to 1,500 BTN with the average cost being 370 BTN for one person. This is what you would expect to pay a top-tier diner in Bhutan.

Beverage prices, cappuccino, latte etc..

31 BTN 50 BTN 75 BTN
MINIMUM AVERAGE MAXIMUM
$0.38 $0.60 $0.90

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Bhutan is around 50 BTN. Price ranges between 31 BTN and 75 BTN depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

25 BTN 30 BTN 37 BTN
MINIMUM AVERAGE MAXIMUM
$0.30 $0.36 $0.45

The average price of a large bottle of milk in Bhutan is 30 BTN. The maximum what you would pay for milk is 37 BTN and the minimum being 25 BTN depending on the brand of milk and other properties.

12 eggs price

19 BTN 25 BTN 37 BTN
MINIMUM AVERAGE MAXIMUM
$0.23 $0.30 $0.45

A dozen eggs costs around 25 BTN on average with 19 BTN and 37 BTN being the lower and upper limits respectively.

Fresh whole chicken price

42 BTN 55 BTN 78 BTN
MINIMUM AVERAGE MAXIMUM
$0.51 $0.66 $0.94

The price range of a fresh whole chicken in Bhutan is between 42 BTN and 78 BTN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 55 BTN.

Pack of beef price

50 BTN 75 BTN 150 BTN
MINIMUM AVERAGE MAXIMUM
$0.60 $0.90 $1.8

The price of a regular pack of beef or meat is around 75 BTN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

20 BTN 27 BTN 39 BTN
MINIMUM AVERAGE MAXIMUM
$0.24 $0.33 $0.47

A bag of rice in Bhutan costs around 27 BTN on average with prices rangeing between 20 BTN and 39 BTN depending on the brand and quality.

Bag of tomatos price

7.5 BTN 10 BTN 19 BTN
MINIMUM AVERAGE MAXIMUM
$0.09 $0.12 $0.23

A bag of tomatoes costs anywhere from 7.5 BTN to 19 BTN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

13 BTN 17 BTN 29 BTN
MINIMUM AVERAGE MAXIMUM
$0.16 $0.21 $0.35

A bag of apples costs 17 BTN 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 Bhutan is around 27%. This means that couples 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 couples

Couples' spending on grocery ranges from 2,000 BTN to 32,000 BTN with the location, income, and size of the couple being the most determinite factors.

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