Cost Of Living For a Couple in Kyrgyzstan 2024

Couple cost of living chart - average monthly expenditure in Kyrgyzstan

Average Monthly Expenditure

Currency: KGS
7,600 23,000 120,000
MINIMUM AVERAGE MAXIMUM
$85 $260 $1,400

Average monthly spending for couples in Kyrgyzstan

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

Couples in Kyrgyzstan spend around 23,000 KGS per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 7,600 KGS or as high as 120,000 KGS. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Kyrgyzstan


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

Dining, food, and beverages costs


Fast food combo meal

20 KGS 39 KGS 65 KGS
MINIMUM AVERAGE MAXIMUM
$0.22 $0.44 $0.73

Restaurant meal for one

65 KGS 98 KGS 200 KGS
MINIMUM AVERAGE MAXIMUM
$0.73 $1.1 $2.2

Fine dining meal for one

130 KGS 200 KGS 780 KGS
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $8.7

Cappuccino or latte

16 KGS 26 KGS 39 KGS
MINIMUM AVERAGE MAXIMUM
$0.18 $0.29 $0.44

Grocery and market costs


Milk large bottle

13 KGS 16 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.15 $0.17 $0.22

12 eggs

9.8 KGS 13 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.11 $0.15 $0.22

Fresh whole chicken

22 KGS 29 KGS 41 KGS
MINIMUM AVERAGE MAXIMUM
$0.25 $0.32 $0.46

Pack of beef

26 KGS 39 KGS 78 KGS
MINIMUM AVERAGE MAXIMUM
$0.29 $0.44 $0.87

Medium bag of rice

11 KGS 14 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.23

Bag of tomatos

3.9 KGS 5.2 KGS 9.8 KGS
MINIMUM AVERAGE MAXIMUM
$0.04 $0.06 $0.11

Bag of apples

7 KGS 9.1 KGS 15 KGS
MINIMUM AVERAGE MAXIMUM
$0.08 $0.10 $0.17
Chart showing the prices and cost of commute, travel, and transportation in Kyrgyzstan


Commute, travel, and transportation costs


20 minutes taxi ride

16 KGS 20 KGS 39 KGS
MINIMUM AVERAGE MAXIMUM
$0.18 $0.22 $0.44

Average car full tank

98 KGS 130 KGS 260 KGS
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $2.9

Average car 1-day rental

98 KGS 130 KGS 200 KGS
MINIMUM AVERAGE MAXIMUM
$1.1 $1.5 $2.2

Average car price

49,000 KGS 98,000 KGS 130,000 KGS
MINIMUM AVERAGE MAXIMUM
$550 $1,100 $1,500

Bus ticket one way

3.3 KGS 4.9 KGS 9.8 KGS
MINIMUM AVERAGE MAXIMUM
$0.04 $0.05 $0.11

Car Service

130 KGS 200 KGS 390 KGS
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $4.4
Chart showing the prices and cost of utility, energy, water, and gas in Kyrgyzstan


Utility cost (monthly)


Utility Bill - Couple

300 KGS 1,000 KGS 6,700 KGS
MINIMUM AVERAGE MAXIMUM
$3.4 $12 $75

Internet and cable

98 KGS 200 KGS 260 KGS
MINIMUM AVERAGE MAXIMUM
$1.1 $2.2 $2.9

Mobile phone charges

78 KGS 130 KGS 390 KGS
MINIMUM AVERAGE MAXIMUM
$0.87 $1.5 $4.4

Leisure and activities costs


Movie ticket

49 KGS 65 KGS 98 KGS
MINIMUM AVERAGE MAXIMUM
$0.55 $0.73 $1.1

One month gym membership

160 KGS 200 KGS 390 KGS
MINIMUM AVERAGE MAXIMUM
$1.7 $2.2 $4.4
Chart showing the prices and cost of clothing and accessories in Kyrgyzstan


Cloths and accessories costs


Pair of jeans or pants

110 KGS 160 KGS 240 KGS
MINIMUM AVERAGE MAXIMUM
$1.3 $1.8 $2.7

Woman dress

110 KGS 150 KGS 490 KGS
MINIMUM AVERAGE MAXIMUM
$1.2 $1.7 $5.5

Woman shoes

100 KGS 140 KGS 330 KGS
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $3.6

Men's shoes

89 KGS 110 KGS 220 KGS
MINIMUM AVERAGE MAXIMUM
$0.99 $1.2 $2.4

Men suit

98 KGS 120 KGS 650 KGS
MINIMUM AVERAGE MAXIMUM
$1.1 $1.4 $7.3

Regular t-shirt

49 KGS 65 KGS 200 KGS
MINIMUM AVERAGE MAXIMUM
$0.55 $0.73 $2.2
Chart showing the prices and cost of housing, accommodation, and rent in Kyrgyzstan


Housing costs / monthly rent


Studio apartment

1,600 KGS 2,400 KGS 6,500 KGS
MINIMUM AVERAGE MAXIMUM
$18 $27 $73

1-bedroom apartment

2,400 KGS 3,900 KGS 9,800 KGS
MINIMUM AVERAGE MAXIMUM
$27 $44 $110

2-bedroom apartment

3,300 KGS 4,900 KGS 13,000 KGS
MINIMUM AVERAGE MAXIMUM
$36 $55 $150

Housing costs / Buying


Studio apartment

330,000 KGS 490,000 KGS 980,000 KGS
MINIMUM AVERAGE MAXIMUM
$3,600 $5,500 $11,000

1-bedroom apartment

390,000 KGS 650,000 KGS 2.4M KGS
MINIMUM AVERAGE MAXIMUM
$4,400 $7,300 $27,000

2-bedroom apartment

650,000 KGS 2M KGS 3.9M KGS
MINIMUM AVERAGE MAXIMUM
$7,300 $22,000 $44,000
Chart showing the prices and cost of furniture in Kyrgyzstan


Furniture Costs


King Size Bed

2,000 KGS 2,400 KGS 3,300 KGS
MINIMUM AVERAGE MAXIMUM
$22 $27 $36

Double Bed

1,300 KGS 2,000 KGS 2,400 KGS
MINIMUM AVERAGE MAXIMUM
$15 $22 $27

Single Bed

1,100 KGS 1,500 KGS 2,000 KGS
MINIMUM AVERAGE MAXIMUM
$13 $17 $22

Living Room

2,200 KGS 2,800 KGS 9,800 KGS
MINIMUM AVERAGE MAXIMUM
$24 $31 $110

Dining Table

980 KGS 1,300 KGS 2,400 KGS
MINIMUM AVERAGE MAXIMUM
$11 $15 $27

Sofa or Couch

1,300 KGS 1,800 KGS 3,900 KGS
MINIMUM AVERAGE MAXIMUM
$15 $20 $44
Chart showing the prices and cost of electronic devices and appliances in Kyrgyzstan


Electronics and House Appliance Costs


TV Set

1,300 KGS 2,000 KGS 3,900 KGS
MINIMUM AVERAGE MAXIMUM
$15 $22 $44

Fridge or Freezer

1,100 KGS 1,800 KGS 2,400 KGS
MINIMUM AVERAGE MAXIMUM
$13 $20 $27

Washing Machine

1,500 KGS 2,200 KGS 3,900 KGS
MINIMUM AVERAGE MAXIMUM
$17 $24 $44

Stove or Cooker

1,400 KGS 1,800 KGS 2,400 KGS
MINIMUM AVERAGE MAXIMUM
$16 $20 $27

Mobile Phone

1,600 KGS 2,000 KGS 2,800 KGS
MINIMUM AVERAGE MAXIMUM
$18 $22 $31

Laptop or Computer

1,800 KGS 2,200 KGS 3,900 KGS
MINIMUM AVERAGE MAXIMUM
$20 $24 $44
Couple cost of living and expenditure to income ratio in Kyrgyzstan

Couple expenditure to income ratio in Kyrgyzstan

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

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

84%

78% to 92%

( expenditure / income ) x 100


Couples in Kyrgyzstan spend around 84% of their monthly income. Some couples spend as low as 78% of their income while some as high as 92%.

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

How do couples spend their money in Kyrgyzstan?

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 Cost25%

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

LOW$29   2,600 KGS
AVERAGE$87   7,800 KGS
HIGH$460   41,000 KGS
Per Month

Couples in Kyrgyzstan typically spend from 18% to 35% of their total monthly expenditure on housing with 25% being the average. The average monthly spend on housing is 7,800 KGS with expenditure ranging from 2,600 KGS to 41,000 KGS. 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$3.4   300 KGS
AVERAGE$12   1,000 KGS
HIGH$75   6,700 KGS
Per Month

Utility expenditure like electricity, water, and gas in Kyrgyzstan ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 1,000 KGS with 300 KGS and 6,700 KGS being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel8%

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

LOW$10   910 KGS
AVERAGE$31   2,700 KGS
HIGH$160   15,000 KGS
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 910 KGS to 15,000 KGS in a month on commuting with 2,700 KGS being the norm for most couples. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 2% or as high as 13%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost18%

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

LOW$12   1,100 KGS
AVERAGE$36   3,200 KGS
HIGH$190   17,000 KGS
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Kyrgyzstan is 3,200 KGS. The cost of groceries can range between 1,100 KGS to 17,000 KGS. Couples spend on average about 18% on food and groceries with upper and lower bounds of 13% and 23% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare15%

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

LOW$9.4   840 KGS
AVERAGE$28   2,500 KGS
HIGH$150   13,000 KGS
Per Month

Couples in Kyrgyzstan allocate 9% to 19% 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 15%. The range of medical expenses range from 840 KGS to 13,000 KGS with 2,500 KGS 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$5.1   460 KGS
AVERAGE$15   1,400 KGS
HIGH$82   7,300 KGS
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 460 KGS to 7,300 KGS with 1,400 KGS 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$1.7   150 KGS
AVERAGE$5.1   460 KGS
HIGH$27   2,400 KGS
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 460 KGS per month with 150 KGS being the minimum spent amount and 2,400 KGS being the maximum.

Other Expenses22%

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

LOW$14   1,300 KGS
AVERAGE$43   3,900 KGS
HIGH$230   21,000 KGS
Per Month
Percentage of couples who manage to save money from their income every month in Kyrgyzstan

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


Percentage of couples that reported their ability to save money


Saving Money
51%
Not Saving
49%

Almost 51% of surveyed couples in Kyrgyzstan said that they can save some money at the end of each month while 49% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Kyrgyzstan

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

8% 15% of income 28%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

2,200 KGS
$24
6,500 KGS
$72
34,000 KGS
$390
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%38%
10% - 20%28%
20% - 30%20%
30% - 40%6%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 8% to 28% of their monthly income to their savings, with 15% being the average for most couples. The average monthly amount of money that couples can put aside is 6,500 KGS with 2,200 KGS and 34,000 KGS being the minimum and maximum respectively.

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

Saving Challenges in Kyrgyzstan

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income4%
High Expenses7%
Debt and Loans12%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later22%
Inflation14%
Social Pressure2%
Market Instability2%

Around 4% of the couples said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 12% 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. 22% 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. 14% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Kyrgyzstan

Typical saving choices for couples in Kyrgyzstan

Where do people choose to put their savings?


Saving Type% People
Emergency Funds13%
Gold14%
Savings Accounts16%
Retirement Accounts9%
Cash Savings22%
Real Estate9%
Investment5%
Stocks3%
Bonds4%
Mutual Funds2%
Certificates of Deposit2%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical for couples to live in Kyrgyzstan

Affordable living in Kyrgyzstan

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Kyrgyzstan?


Yes
42%
No
58%

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

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

Low-cost alternatives in Kyrgyzstan

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 options52%

Few low-cost options48%


Based on the survey, 52% of the couples living in Kyrgyzstan have no problem finding low-cost alternatives to support a frugal lifestyle while 48% 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 Kyrgyzstan whether they have an emergency fund and the answers were as follows.

Yes40%

No60%


Based on the survey, 60% of the couples living in Kyrgyzstan said that they don't have an emergency fund while 40% said that they do.

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

Financial Literacy in Kyrgyzstan

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 Leteracy37%


We asked couple guardians and parents in Kyrgyzstan whether they acquired any adequate personal financial training in their lives. Approximately 63% 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 37% 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 Kyrgyzstan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 61% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 39% said that they have everything under control.

Struggles with finance61%

Easily manages finances39%

Financial goals and targets of couples living in Kyrgyzstan

Financial goals of couples in Kyrgyzstan

In an attempt to understand the economic situation in Kyrgyzstan, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund9%
Debt Reduction46%
Retirement Savings11%
Education Funding6%
Homeownership19%
Investing6%
Travel or Lifestyle5%
Healthcare Expenses15%
Financial Independence4%

Around 9% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 46% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 5% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 15% 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 Kyrgyzstan

Debt, loans, and mortgages in Kyrgyzstan


Percentage of couples who are in debt


In Debt
34%
Debt Free
66%

According to the survey, 34% of the couples in Kyrgyzstan 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 Kyrgyzstan

Debt-to-income ratio in Kyrgyzstan

Debt to income ratio

33%

26% to 42%

( 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 33% of a couple's monthly income in Kyrgyzstan goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%4%
50% - 60%20%
40% - 50%16%
30% - 40%18%
20% - 30%9%
10% - 20%10%
0% - 10%25%

According to our data, 4% of the debtors in Kyrgyzstan pay 60%+ of their income as debt settlement while 20% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 16% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 18% dedicated 30% to 40% of income for same. Things are looking brighter for 9% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Kyrgyzstan

Debt% People
Real Estate Mortgage7%
Auto Loan12%
Student Loan4%
Credit Card31%
Personal Loan45%

7% of debtors in Kyrgyzstan confirm that real estate mortgages constitutes the main part of their outstanding debt while 31% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 12% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Kyrgyzstan.


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 Kyrgyzstan

Besides measuring the loan-to-income ratio, we asked couples of Kyrgyzstan 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
Never49%
Once a year25%
Twice a year13%
Three times a year9%
Four times a year5%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Kyrgyzstan

Housing costs, accommodation, and housing affordability in Kyrgyzstan

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


Rent Cost in Kyrgyzstan

Monthly Rent Prices

Studio apartment monthly rent cost

1,600 KGS 2,400 KGS 6,500 KGS
MINIMUM AVERAGE MAXIMUM
$18 $27 $73

1-bedroom apartment monthly rent cost

2,400 KGS 3,900 KGS 9,800 KGS
MINIMUM AVERAGE MAXIMUM
$27 $44 $110

2-bedroom apartment monthly rent cost

3,300 KGS 4,900 KGS 13,000 KGS
MINIMUM AVERAGE MAXIMUM
$36 $55 $150

3-bedroom apartment monthly rent cost

3,900 KGS 6,500 KGS 18,000 KGS
MINIMUM AVERAGE MAXIMUM
$44 $73 $200

Furnished apartment monthly rent cost

7,800 KGS 20,000 KGS 39,000 KGS
MINIMUM AVERAGE MAXIMUM
$87 $220 $440

Townhouse monthly rent cost

6,500 KGS 9,800 KGS 28,000 KGS
MINIMUM AVERAGE MAXIMUM
$73 $110 $310

House monthly rent cost

7,800 KGS 20,000 KGS 39,000 KGS
MINIMUM AVERAGE MAXIMUM
$87 $220 $440

Villa monthly rent cost

9,800 KGS 24,000 KGS 39,000 KGS
MINIMUM AVERAGE MAXIMUM
$110 $270 $440

The monthly rental cost of a studio apartment in Kyrgyzstan ranges between 1,600 KGS and 6,500 KGS, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 2,400 KGS to 9,800 KGS. Two-bedroom rentals rate ranges between 3,300 KGS and 13,000 KGS per month. The monthly rental for a three-bedroom apartment ranges from 3,900 KGS to 18,000 KGS. The average rent of a townhouse in Kyrgyzstan is around 9,800 KGS while house rental costs can be as high as 20,000 KGS per month. Finally, if you want to rent a villa, expect to pay anywhere from 9,800 KGS to 39,000 KGS per month.



Apartment and house prices in Kyrgyzstan

Cost of buying a property

Studio apartment price

330,000 KGS 490,000 KGS 980,000 KGS
MINIMUM AVERAGE MAXIMUM
$3,600 $5,500 $11,000

1-bedroom apartment price

390,000 KGS 650,000 KGS 2.4M KGS
MINIMUM AVERAGE MAXIMUM
$4,400 $7,300 $27,000

2-bedroom apartment price

650,000 KGS 2M KGS 3.9M KGS
MINIMUM AVERAGE MAXIMUM
$7,300 $22,000 $44,000

3-bedroom apartment price

2.2M KGS 3.3M KGS 9.8M KGS
MINIMUM AVERAGE MAXIMUM
$24,000 $36,000 $110,000

Townhouse price

2.8M KGS 6.5M KGS 24M KGS
MINIMUM AVERAGE MAXIMUM
$31,000 $73,000 $270,000

House price

3.3M KGS 20M KGS 28M KGS
MINIMUM AVERAGE MAXIMUM
$36,000 $220,000 $310,000

Villa price

3.9M KGS 22M KGS 33M KGS
MINIMUM AVERAGE MAXIMUM
$44,000 $240,000 $360,000

The average price of a studio apartment in Kyrgyzstan can range from 330,000 KGS to 980,000 KGS depending on location. One bedroom cost can be anywhere from 390,000 KGS to 2.4M KGS. A villa can cost you 22M KGS on average with prices ranging from 3.9M KGS to 33M KGS.


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


27 x74 monthly income 184
MINIMUM AVERAGE MAXIMUM

Property prices in Kyrgyzstan can be x74 to x184 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x74 multiples of the average monthly salary in Kyrgyzstan.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


17% 27% of income 37%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Kyrgyzstan is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 17% to 37% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
25%

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
1.7%
AVERAGE
2.7%
TO
3.7%

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.


30 KGS 400 KGS 4,000 KGS
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 Kyrgyzstan

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

300 KGS 1,000 KGS 6,700 KGS
MINIMUM AVERAGE MAXIMUM
$3.4 $12 $75

Internet and cable cost

98 KGS 200 KGS 260 KGS
MINIMUM AVERAGE MAXIMUM
$1.1 $2.2 $2.9

Mobile phone bill and charges

78 KGS 130 KGS 390 KGS
MINIMUM AVERAGE MAXIMUM
$0.87 $1.5 $4.4

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 1,000 KGS. The cost of internet and WiFi ranges from 98 KGS to 260 KGS with 200 KGS being the average internet bill. Finally, the average monthly mobile charges is around 130 KGS but can range between 78 KGS and 390 KGS 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 Kyrgyzstan 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 Kyrgyzstan

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


Prices and cost of goods and services in Kyrgyzstan

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

Fast food combo meal price

20 KGS 39 KGS 65 KGS
MINIMUM AVERAGE MAXIMUM
$0.22 $0.44 $0.73

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kyrgyzstan is approximatly 39 KGS with meal cost ranging from 20 KGS to 65 KGS. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

65 KGS 98 KGS 200 KGS
MINIMUM AVERAGE MAXIMUM
$0.73 $1.1 $2.2

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 65 KGS and 200 KGS with 98 KGS being the average price of a plate for one person at a regular restaurant in Kyrgyzstan.

Fine dining meal for one price

130 KGS 200 KGS 780 KGS
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $8.7

The price range of a meal at fine-dining restaurant is 130 KGS to 780 KGS with the average cost being 200 KGS for one person. This is what you would expect to pay a top-tier diner in Kyrgyzstan.

Beverage prices, cappuccino, latte etc..

16 KGS 26 KGS 39 KGS
MINIMUM AVERAGE MAXIMUM
$0.18 $0.29 $0.44

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kyrgyzstan is around 26 KGS. Price ranges between 16 KGS and 39 KGS depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

13 KGS 16 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.15 $0.17 $0.22

The average price of a large bottle of milk in Kyrgyzstan is 16 KGS. The maximum what you would pay for milk is 20 KGS and the minimum being 13 KGS depending on the brand of milk and other properties.

12 eggs price

9.8 KGS 13 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.11 $0.15 $0.22

A dozen eggs costs around 13 KGS on average with 9.8 KGS and 20 KGS being the lower and upper limits respectively.

Fresh whole chicken price

22 KGS 29 KGS 41 KGS
MINIMUM AVERAGE MAXIMUM
$0.25 $0.32 $0.46

The price range of a fresh whole chicken in Kyrgyzstan is between 22 KGS and 41 KGS depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 29 KGS.

Pack of beef price

26 KGS 39 KGS 78 KGS
MINIMUM AVERAGE MAXIMUM
$0.29 $0.44 $0.87

The price of a regular pack of beef or meat is around 39 KGS. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

11 KGS 14 KGS 20 KGS
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.23

A bag of rice in Kyrgyzstan costs around 14 KGS on average with prices rangeing between 11 KGS and 20 KGS depending on the brand and quality.

Bag of tomatos price

3.9 KGS 5.2 KGS 9.8 KGS
MINIMUM AVERAGE MAXIMUM
$0.04 $0.06 $0.11

A bag of tomatoes costs anywhere from 3.9 KGS to 9.8 KGS. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

7 KGS 9.1 KGS 15 KGS
MINIMUM AVERAGE MAXIMUM
$0.08 $0.10 $0.17

A bag of apples costs 9.1 KGS 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


20% 28% of income 34%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Kyrgyzstan is around 28%. This means that couples spend 28% of their income on grocery and basic household items. The expenditure can range from 20% to 34% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 1,100 KGS to 17,000 KGS with the location, income, and size of the couple being the most determinite factors.

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