Cost Of Living For a Couple in Chisinau 2024

Couple cost of living chart - average monthly expenditure in Chisinau

Average Monthly Expenditure

Currency: MDL
16,000 47,000 250,000
MINIMUM AVERAGE MAXIMUM
$880 $2,600 $14,000

Average monthly spending for couples in Chisinau

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

Couples in Chisinau spend around 47,000 MDL per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 16,000 MDL or as high as 250,000 MDL. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Chisinau


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

Dining, food, and beverages costs


Fast food combo meal

38 MDL 77 MDL 130 MDL
MINIMUM AVERAGE MAXIMUM
$2.2 $4.3 $7.2

Restaurant meal for one

130 MDL 200 MDL 400 MDL
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

Fine dining meal for one

270 MDL 400 MDL 1,600 MDL
MINIMUM AVERAGE MAXIMUM
$15 $23 $91

Cappuccino or latte

32 MDL 51 MDL 77 MDL
MINIMUM AVERAGE MAXIMUM
$1.8 $2.9 $4.3

Grocery and market costs


Milk large bottle

26 MDL 31 MDL 38 MDL
MINIMUM AVERAGE MAXIMUM
$1.4 $1.7 $2.2

12 eggs

19 MDL 26 MDL 38 MDL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.4 $2.2

Fresh whole chicken

44 MDL 56 MDL 80 MDL
MINIMUM AVERAGE MAXIMUM
$2.5 $3.2 $4.5

Pack of beef

51 MDL 77 MDL 150 MDL
MINIMUM AVERAGE MAXIMUM
$2.9 $4.3 $8.6

Medium bag of rice

21 MDL 28 MDL 40 MDL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.2

Bag of tomatos

7.7 MDL 10 MDL 19 MDL
MINIMUM AVERAGE MAXIMUM
$0.43 $0.58 $1.1

Bag of apples

14 MDL 18 MDL 29 MDL
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.7
Chart showing the prices and cost of commute, travel, and transportation in Chisinau


Commute, travel, and transportation costs


20 minutes taxi ride

34 MDL 40 MDL 81 MDL
MINIMUM AVERAGE MAXIMUM
$1.9 $2.3 $4.5

Average car full tank

190 MDL 260 MDL 510 MDL
MINIMUM AVERAGE MAXIMUM
$11 $14 $29

Average car 1-day rental

210 MDL 280 MDL 420 MDL
MINIMUM AVERAGE MAXIMUM
$12 $16 $24

Average car price

96,000 MDL 190,000 MDL 260,000 MDL
MINIMUM AVERAGE MAXIMUM
$5,400 $11,000 $14,000

Bus ticket one way

7.1 MDL 11 MDL 21 MDL
MINIMUM AVERAGE MAXIMUM
$0.40 $0.60 $1.2

Car Service

280 MDL 420 MDL 850 MDL
MINIMUM AVERAGE MAXIMUM
$16 $24 $48
Chart showing the prices and cost of utility, energy, water, and gas in Chisinau


Utility cost (monthly)


Utility Bill - Couple

620 MDL 2,100 MDL 14,000 MDL
MINIMUM AVERAGE MAXIMUM
$35 $120 $770

Internet and cable

190 MDL 380 MDL 510 MDL
MINIMUM AVERAGE MAXIMUM
$11 $22 $29

Mobile phone charges

150 MDL 260 MDL 770 MDL
MINIMUM AVERAGE MAXIMUM
$8.6 $14 $43

Leisure and activities costs


Movie ticket

96 MDL 130 MDL 190 MDL
MINIMUM AVERAGE MAXIMUM
$5.4 $7.2 $11

One month gym membership

340 MDL 420 MDL 850 MDL
MINIMUM AVERAGE MAXIMUM
$19 $24 $48
Chart showing the prices and cost of clothing and accessories in Chisinau


Cloths and accessories costs


Pair of jeans or pants

250 MDL 350 MDL 530 MDL
MINIMUM AVERAGE MAXIMUM
$14 $20 $30

Woman dress

240 MDL 330 MDL 1,100 MDL
MINIMUM AVERAGE MAXIMUM
$13 $18 $60

Woman shoes

220 MDL 300 MDL 710 MDL
MINIMUM AVERAGE MAXIMUM
$13 $17 $40

Men's shoes

190 MDL 240 MDL 470 MDL
MINIMUM AVERAGE MAXIMUM
$11 $13 $26

Men suit

210 MDL 260 MDL 1,400 MDL
MINIMUM AVERAGE MAXIMUM
$12 $15 $79

Regular t-shirt

110 MDL 140 MDL 420 MDL
MINIMUM AVERAGE MAXIMUM
$6 $7.9 $24
Chart showing the prices and cost of housing, accommodation, and rent in Chisinau


Housing costs / monthly rent


Studio apartment

3,500 MDL 5,300 MDL 14,000 MDL
MINIMUM AVERAGE MAXIMUM
$200 $300 $790

1-bedroom apartment

5,300 MDL 8,500 MDL 21,000 MDL
MINIMUM AVERAGE MAXIMUM
$300 $480 $1,200

2-bedroom apartment

7,100 MDL 11,000 MDL 28,000 MDL
MINIMUM AVERAGE MAXIMUM
$400 $600 $1,600

Housing costs / Buying


Studio apartment

710,000 MDL 1.1M MDL 2.1M MDL
MINIMUM AVERAGE MAXIMUM
$40,000 $60,000 $120,000

1-bedroom apartment

850,000 MDL 1.4M MDL 5.3M MDL
MINIMUM AVERAGE MAXIMUM
$48,000 $79,000 $300,000

2-bedroom apartment

1.4M MDL 4.2M MDL 8.5M MDL
MINIMUM AVERAGE MAXIMUM
$79,000 $240,000 $480,000
Chart showing the prices and cost of furniture in Chisinau


Furniture Costs


King Size Bed

3,800 MDL 4,800 MDL 6,400 MDL
MINIMUM AVERAGE MAXIMUM
$220 $270 $360

Double Bed

2,600 MDL 3,800 MDL 4,800 MDL
MINIMUM AVERAGE MAXIMUM
$140 $220 $270

Single Bed

2,300 MDL 2,900 MDL 3,800 MDL
MINIMUM AVERAGE MAXIMUM
$130 $170 $220

Living Room

4,300 MDL 5,500 MDL 19,000 MDL
MINIMUM AVERAGE MAXIMUM
$240 $310 $1,100

Dining Table

1,900 MDL 2,600 MDL 4,800 MDL
MINIMUM AVERAGE MAXIMUM
$110 $140 $270

Sofa or Couch

2,600 MDL 3,500 MDL 7,700 MDL
MINIMUM AVERAGE MAXIMUM
$140 $200 $430
Chart showing the prices and cost of electronic devices and appliances in Chisinau


Electronics and House Appliance Costs


TV Set

2,600 MDL 3,800 MDL 7,700 MDL
MINIMUM AVERAGE MAXIMUM
$140 $220 $430

Fridge or Freezer

2,300 MDL 3,500 MDL 4,800 MDL
MINIMUM AVERAGE MAXIMUM
$130 $200 $270

Washing Machine

2,900 MDL 4,300 MDL 7,700 MDL
MINIMUM AVERAGE MAXIMUM
$170 $240 $430

Stove or Cooker

2,700 MDL 3,500 MDL 4,800 MDL
MINIMUM AVERAGE MAXIMUM
$150 $200 $270

Mobile Phone

3,200 MDL 3,800 MDL 5,500 MDL
MINIMUM AVERAGE MAXIMUM
$180 $220 $310

Laptop or Computer

3,500 MDL 4,300 MDL 7,700 MDL
MINIMUM AVERAGE MAXIMUM
$200 $240 $430
Couple cost of living and expenditure to income ratio in Chisinau

Couple expenditure to income ratio in Chisinau

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

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%

75% to 93%

( expenditure / income ) x 100


Couples in Chisinau spend around 83% of their monthly income. Some couples spend as low as 75% of their income while some as high as 93%.

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

How do couples spend their money in Chisinau?

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 Cost27%

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

LOW$300   5,300 MDL
AVERAGE$890   16,000 MDL
HIGH$4,800   85,000 MDL
Per Month

Couples in Chisinau typically spend from 20% to 37% of their total monthly expenditure on housing with 27% being the average. The average monthly spend on housing is 16,000 MDL with expenditure ranging from 5,300 MDL to 85,000 MDL. 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$35   620 MDL
AVERAGE$120   2,100 MDL
HIGH$770   14,000 MDL
Per Month

Utility expenditure like electricity, water, and gas in Chisinau ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 2,100 MDL with 620 MDL and 14,000 MDL 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$110   1,900 MDL
AVERAGE$320   5,600 MDL
HIGH$1,700   30,000 MDL
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 1,900 MDL to 30,000 MDL in a month on commuting with 5,600 MDL 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$120   2,200 MDL
AVERAGE$370   6,500 MDL
HIGH$2,000   35,000 MDL
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Chisinau is 6,500 MDL. The cost of groceries can range between 2,200 MDL to 35,000 MDL. 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$96   1,700 MDL
AVERAGE$290   5,100 MDL
HIGH$1,500   27,000 MDL
Per Month

Couples in Chisinau 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 1,700 MDL to 27,000 MDL with 5,100 MDL being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping4%

4% of total expenses on average (1% to 7%)

LOW$53   930 MDL
AVERAGE$160   2,800 MDL
HIGH$840   15,000 MDL
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 930 MDL to 15,000 MDL with 2,800 MDL being the average. Speaking of percentages, that equates to 1% to 7% of total expenses with an average of 4% 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$18   310 MDL
AVERAGE$53   930 MDL
HIGH$280   5,000 MDL
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 930 MDL per month with 310 MDL being the minimum spent amount and 5,000 MDL being the maximum.

Other Expenses20%

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

LOW$150   2,600 MDL
AVERAGE$450   7,900 MDL
HIGH$2,400   42,000 MDL
Per Month
Percentage of couples who manage to save money from their income every month in Chisinau

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


Percentage of couples that reported their ability to save money


Saving Money
65%
Not Saving
36%

Almost 65% of surveyed couples in Chisinau said that they can save some money at the end of each month while 36% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Chisinau

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

14% 24% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

5,600 MDL
$320
17,000 MDL
$950
90,000 MDL
$5,100
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%35%
10% - 20%27%
20% - 30%19%
30% - 40%9%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 14% to 35% of their monthly income to their savings, with 24% being the average for most couples. The average monthly amount of money that couples can put aside is 17,000 MDL with 5,600 MDL and 90,000 MDL being the minimum and maximum respectively.

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

Saving Challenges in Chisinau

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans14%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later20%
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. 14% 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. 11% 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. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% 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 Chisinau

Typical saving choices for couples in Chisinau

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold12%
Savings Accounts17%
Retirement Accounts10%
Cash Savings20%
Real Estate9%
Investment5%
Stocks5%
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 Chisinau

Affordable living in Chisinau

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Chisinau?


Yes
68%
No
33%

Around 68% of surveyed couples think that living in Chisinau is affordable with proper budgeting while 33% 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 Chisinau

Low-cost alternatives in Chisinau

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 options60%

Few low-cost options40%


Based on the survey, 60% of the couples living in Chisinau 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.

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 Chisinau whether they have an emergency fund and the answers were as follows.

Yes63%

No37%


Based on the survey, 37% of the couples living in Chisinau said that they don't have an emergency fund while 63% said that they do.

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

Financial Literacy in Moldova

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 Leteracy59%


We asked couple guardians and parents in Chisinau whether they acquired any adequate personal financial training in their lives. Approximately 41% 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 59% 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 Moldova have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 44% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 56% said that they have everything under control.

Struggles with finance44%

Easily manages finances56%

Financial goals and targets of couples living in Chisinau

Financial goals of couples in Chisinau

In an attempt to understand the economic situation in Chisinau, 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 Reduction40%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses13%
Financial Independence6%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 40% 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 13% 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 Chisinau

Debt, loans, and mortgages in Chisinau


Percentage of couples who are in debt


In Debt
34%
Debt Free
66%

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


Chart showing debt-to-income ratio in Chisinau

Debt-to-income ratio in Chisinau

Debt to income ratio

30%

20% to 40%

( 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 a couple's monthly income in Chisinau goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%17%
40% - 50%14%
30% - 40%16%
20% - 30%11%
10% - 20%13%
0% - 10%26%

According to our data, 3% of the debtors in Chisinau pay 60%+ of their income as debt settlement while 17% 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 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Chisinau

Debt% People
Real Estate Mortgage9%
Auto Loan17%
Student Loan4%
Credit Card29%
Personal Loan42%

9% of debtors in Chisinau confirm that real estate mortgages constitutes the main part of their outstanding debt while 29% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 17% of people and personal loans rose at 42%. Lastly, student loans are the main source of debt for 4% of debtors in Chisinau.


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 Chisinau

Besides measuring the loan-to-income ratio, we asked couples of Chisinau 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
Never51%
Once a year23%
Twice a year12%
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 Chisinau

Housing costs, accommodation, and housing affordability in Chisinau

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


Rent Cost in Chisinau

Monthly Rent Prices

Studio apartment monthly rent cost

3,500 MDL 5,300 MDL 14,000 MDL
MINIMUM AVERAGE MAXIMUM
$200 $300 $790

1-bedroom apartment monthly rent cost

5,300 MDL 8,500 MDL 21,000 MDL
MINIMUM AVERAGE MAXIMUM
$300 $480 $1,200

2-bedroom apartment monthly rent cost

7,100 MDL 11,000 MDL 28,000 MDL
MINIMUM AVERAGE MAXIMUM
$400 $600 $1,600

3-bedroom apartment monthly rent cost

8,500 MDL 14,000 MDL 38,000 MDL
MINIMUM AVERAGE MAXIMUM
$480 $790 $2,200

Furnished apartment monthly rent cost

17,000 MDL 42,000 MDL 85,000 MDL
MINIMUM AVERAGE MAXIMUM
$950 $2,400 $4,800

Townhouse monthly rent cost

14,000 MDL 21,000 MDL 60,000 MDL
MINIMUM AVERAGE MAXIMUM
$790 $1,200 $3,400

House monthly rent cost

17,000 MDL 42,000 MDL 85,000 MDL
MINIMUM AVERAGE MAXIMUM
$950 $2,400 $4,800

Villa monthly rent cost

21,000 MDL 53,000 MDL 85,000 MDL
MINIMUM AVERAGE MAXIMUM
$1,200 $3,000 $4,800

The monthly rental cost of a studio apartment in Chisinau ranges between 3,500 MDL and 14,000 MDL, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 5,300 MDL to 21,000 MDL. Two-bedroom rentals rate ranges between 7,100 MDL and 28,000 MDL per month. The monthly rental for a three-bedroom apartment ranges from 8,500 MDL to 38,000 MDL. The average rent of a townhouse in Chisinau is around 21,000 MDL while house rental costs can be as high as 42,000 MDL per month. Finally, if you want to rent a villa, expect to pay anywhere from 21,000 MDL to 85,000 MDL per month.



Apartment and house prices in Chisinau

Cost of buying a property

Studio apartment price

710,000 MDL 1.1M MDL 2.1M MDL
MINIMUM AVERAGE MAXIMUM
$40,000 $60,000 $120,000

1-bedroom apartment price

850,000 MDL 1.4M MDL 5.3M MDL
MINIMUM AVERAGE MAXIMUM
$48,000 $79,000 $300,000

2-bedroom apartment price

1.4M MDL 4.2M MDL 8.5M MDL
MINIMUM AVERAGE MAXIMUM
$79,000 $240,000 $480,000

3-bedroom apartment price

4.7M MDL 7.1M MDL 21M MDL
MINIMUM AVERAGE MAXIMUM
$260,000 $400,000 $1.2M

Townhouse price

6M MDL 14M MDL 53M MDL
MINIMUM AVERAGE MAXIMUM
$340,000 $790,000 $3M

House price

7.1M MDL 42M MDL 60M MDL
MINIMUM AVERAGE MAXIMUM
$400,000 $2.4M $3.4M

Villa price

8.5M MDL 47M MDL 71M MDL
MINIMUM AVERAGE MAXIMUM
$480,000 $2.6M $4M

The average price of a studio apartment in Chisinau can range from 710,000 MDL to 2.1M MDL depending on location. One bedroom cost can be anywhere from 850,000 MDL to 5.3M MDL. A villa can cost you 47M MDL on average with prices ranging from 8.5M MDL to 71M MDL.


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


43 x128 monthly income 224
MINIMUM AVERAGE MAXIMUM

Property prices in Chisinau can be x128 to x224 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x128 multiples of the average monthly salary in Chisinau.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


23% 34% of income 44%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Chisinau is around 34%. This means that people pay 34% of their income for rent. Those figures can range from 23% to 44% 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
31%

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%

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.


62 MDL 810 MDL 8,100 MDL
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 Chisinau

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

620 MDL 2,100 MDL 14,000 MDL
MINIMUM AVERAGE MAXIMUM
$35 $120 $770

Internet and cable cost

190 MDL 380 MDL 510 MDL
MINIMUM AVERAGE MAXIMUM
$11 $22 $29

Mobile phone bill and charges

150 MDL 260 MDL 770 MDL
MINIMUM AVERAGE MAXIMUM
$8.6 $14 $43

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 2,100 MDL. The cost of internet and WiFi ranges from 190 MDL to 510 MDL with 380 MDL being the average internet bill. Finally, the average monthly mobile charges is around 260 MDL but can range between 150 MDL and 770 MDL 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% 5.3% of income 9.5%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Chisinau is around 5.3%. This means that people pay 5.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.1% to 9.5% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Chisinau

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


Prices and cost of goods and services in Chisinau

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

Fast food combo meal price

38 MDL 77 MDL 130 MDL
MINIMUM AVERAGE MAXIMUM
$2.2 $4.3 $7.2

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Chisinau is approximatly 77 MDL with meal cost ranging from 38 MDL to 130 MDL. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

130 MDL 200 MDL 400 MDL
MINIMUM AVERAGE MAXIMUM
$7.6 $11 $23

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 130 MDL and 400 MDL with 200 MDL being the average price of a plate for one person at a regular restaurant in Chisinau.

Fine dining meal for one price

270 MDL 400 MDL 1,600 MDL
MINIMUM AVERAGE MAXIMUM
$15 $23 $91

The price range of a meal at fine-dining restaurant is 270 MDL to 1,600 MDL with the average cost being 400 MDL for one person. This is what you would expect to pay a top-tier diner in Chisinau.

Beverage prices, cappuccino, latte etc..

32 MDL 51 MDL 77 MDL
MINIMUM AVERAGE MAXIMUM
$1.8 $2.9 $4.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Chisinau is around 51 MDL. Price ranges between 32 MDL and 77 MDL depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

26 MDL 31 MDL 38 MDL
MINIMUM AVERAGE MAXIMUM
$1.4 $1.7 $2.2

The average price of a large bottle of milk in Chisinau is 31 MDL. The maximum what you would pay for milk is 38 MDL and the minimum being 26 MDL depending on the brand of milk and other properties.

12 eggs price

19 MDL 26 MDL 38 MDL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.4 $2.2

A dozen eggs costs around 26 MDL on average with 19 MDL and 38 MDL being the lower and upper limits respectively.

Fresh whole chicken price

44 MDL 56 MDL 80 MDL
MINIMUM AVERAGE MAXIMUM
$2.5 $3.2 $4.5

The price range of a fresh whole chicken in Chisinau is between 44 MDL and 80 MDL depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 56 MDL.

Pack of beef price

51 MDL 77 MDL 150 MDL
MINIMUM AVERAGE MAXIMUM
$2.9 $4.3 $8.6

The price of a regular pack of beef or meat is around 77 MDL. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

21 MDL 28 MDL 40 MDL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.2

A bag of rice in Chisinau costs around 28 MDL on average with prices rangeing between 21 MDL and 40 MDL depending on the brand and quality.

Bag of tomatos price

7.7 MDL 10 MDL 19 MDL
MINIMUM AVERAGE MAXIMUM
$0.43 $0.58 $1.1

A bag of tomatoes costs anywhere from 7.7 MDL to 19 MDL. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

14 MDL 18 MDL 29 MDL
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.7

A bag of apples costs 18 MDL 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 33%
MINIMUM AVERAGE MAXIMUM

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


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 2,200 MDL to 35,000 MDL with the location, income, and size of the couple being the most determinite factors.

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