Cost Of Living For a Couple in Moscow 2025

Couple cost of living chart - average monthly expenditure in Moscow

Average Monthly Expenditure

Currency: RUB
28,000 180,000 1.7M
MINIMUM AVERAGE MAXIMUM
$310 $2,000 $19,000

Average monthly spending for couples in Moscow

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

Couples in Moscow spend around 180,000 RUB per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 28,000 RUB or as high as 1.7M RUB. Location and income are very important factors and have a huge influence on expenditure and budget.

Couple cost of living and expenditure to income ratio in Moscow

Couple expenditure to income ratio in Moscow

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

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

110%

99% to 120%

( expenditure / income ) x 100


Couples in Moscow spend around 110% of their monthly income. Some couples spend as low as 99% of their income while some as high as 120%.

Percentage of couples who manage to save money from their income every month in Moscow

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


Percentage of couples that reported their ability to save money


Saving Money
78%
Not Saving
22%

Almost 78% of surveyed couples in Moscow said that they can save some money at the end of each month while 22% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Moscow

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

18% 30% of income 46%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

9,800 RUB
$110
64,000 RUB
$700
590,000 RUB
$6,500
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%34%
10% - 20%26%
20% - 30%19%
30% - 40%10%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 18% to 46% of their monthly income to their savings, with 30% being the average for most couples. The average monthly amount of money that couples can put aside is 64,000 RUB with 9,800 RUB and 590,000 RUB being the minimum and maximum respectively.

Prices and cost of goods and services in Moscow

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

Dining, food, and beverages costs


Fast food combo meal

140 RUB 270 RUB 460 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $3 $5

Restaurant meal for one

490 RUB 740 RUB 1,500 RUB
MINIMUM AVERAGE MAXIMUM
$5.4 $8.1 $16

Fine dining meal for one

910 RUB 1,400 RUB 5,500 RUB
MINIMUM AVERAGE MAXIMUM
$10 $15 $60

Cappuccino or latte

120 RUB 190 RUB 290 RUB
MINIMUM AVERAGE MAXIMUM
$1.3 $2.1 $3.2

Grocery and market costs


Milk large bottle

98 RUB 120 RUB 150 RUB
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $1.6

12 eggs

68 RUB 91 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$0.75 $1.00 $1.5

Fresh whole chicken

170 RUB 220 RUB 310 RUB
MINIMUM AVERAGE MAXIMUM
$1.9 $2.4 $3.4

Pack of beef

210 RUB 320 RUB 630 RUB
MINIMUM AVERAGE MAXIMUM
$2.3 $3.5 $7

Medium bag of rice

71 RUB 98 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$0.79 $1.1 $1.5

Bag of tomatos

28 RUB 37 RUB 69 RUB
MINIMUM AVERAGE MAXIMUM
$0.30 $0.41 $0.76

Bag of apples

51 RUB 66 RUB 110 RUB
MINIMUM AVERAGE MAXIMUM
$0.56 $0.73 $1.2
Chart showing the prices and cost of commute, travel, and transportation in Moscow

Commute, travel, and transportation costs


20 minutes taxi ride

120 RUB 150 RUB 300 RUB
MINIMUM AVERAGE MAXIMUM
$1.4 $1.6 $3.3

Average car full tank

690 RUB 920 RUB 1,800 RUB
MINIMUM AVERAGE MAXIMUM
$7.6 $10 $20

Average car 1-day rental

610 RUB 810 RUB 1,200 RUB
MINIMUM AVERAGE MAXIMUM
$6.7 $9 $13

Average car price

320,000 RUB 640,000 RUB 850,000 RUB
MINIMUM AVERAGE MAXIMUM
$3,500 $7,000 $9,300

Bus ticket one way

21 RUB 32 RUB 63 RUB
MINIMUM AVERAGE MAXIMUM
$0.23 $0.35 $0.70

Car Service

880 RUB 1,300 RUB 2,600 RUB
MINIMUM AVERAGE MAXIMUM
$9.7 $14 $29
Chart showing the prices and cost of utility, energy, water, and gas for a couple in Moscow

Utility cost (monthly)


Utility Bill - Couple

850 RUB 6,200 RUB 70,000 RUB
MINIMUM AVERAGE MAXIMUM
$9.4 $69 $770

Internet and cable

740 RUB 1,500 RUB 2,000 RUB
MINIMUM AVERAGE MAXIMUM
$8.2 $16 $22

Mobile phone charges

420 RUB 690 RUB 2,100 RUB
MINIMUM AVERAGE MAXIMUM
$4.6 $7.6 $23

Leisure and activities costs


Movie ticket

280 RUB 370 RUB 560 RUB
MINIMUM AVERAGE MAXIMUM
$3.1 $4.1 $6.2

One month gym membership

1,100 RUB 1,400 RUB 2,900 RUB
MINIMUM AVERAGE MAXIMUM
$13 $16 $31
Chart showing the prices and cost of clothing and accessories in Moscow

Cloths and accessories costs


Pair of jeans or pants

880 RUB 1,200 RUB 1,900 RUB
MINIMUM AVERAGE MAXIMUM
$9.7 $14 $21

Woman dress

860 RUB 1,200 RUB 3,900 RUB
MINIMUM AVERAGE MAXIMUM
$9.5 $13 $43

Woman shoes

720 RUB 980 RUB 2,300 RUB
MINIMUM AVERAGE MAXIMUM
$8 $11 $25

Men's shoes

650 RUB 790 RUB 1,600 RUB
MINIMUM AVERAGE MAXIMUM
$7.2 $8.7 $17

Men suit

750 RUB 930 RUB 5,000 RUB
MINIMUM AVERAGE MAXIMUM
$8.2 $10 $55

Regular t-shirt

390 RUB 520 RUB 1,600 RUB
MINIMUM AVERAGE MAXIMUM
$4.3 $5.7 $17
Chart showing the prices and cost of housing, accommodation, and rent in Moscow

Housing costs / monthly rent


Studio apartment

15,000 RUB 22,000 RUB 59,000 RUB
MINIMUM AVERAGE MAXIMUM
$160 $240 $650

1-bedroom apartment

23,000 RUB 37,000 RUB 92,000 RUB
MINIMUM AVERAGE MAXIMUM
$250 $400 $1,000

2-bedroom apartment

32,000 RUB 48,000 RUB 130,000 RUB
MINIMUM AVERAGE MAXIMUM
$350 $530 $1,400

Housing costs / Buying


Studio apartment

3.2M RUB 4.8M RUB 9.6M RUB
MINIMUM AVERAGE MAXIMUM
$35,000 $53,000 $110,000

1-bedroom apartment

4M RUB 6.6M RUB 25M RUB
MINIMUM AVERAGE MAXIMUM
$44,000 $73,000 $270,000

2-bedroom apartment

5.9M RUB 18M RUB 35M RUB
MINIMUM AVERAGE MAXIMUM
$65,000 $190,000 $390,000
Chart showing the prices and cost of furniture in Moscow

Furniture Costs


King Size Bed

14,000 RUB 17,000 RUB 23,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $190 $250

Double Bed

9,400 RUB 14,000 RUB 18,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $150 $190

Single Bed

8,600 RUB 11,000 RUB 15,000 RUB
MINIMUM AVERAGE MAXIMUM
$95 $120 $160

Living Room

17,000 RUB 22,000 RUB 76,000 RUB
MINIMUM AVERAGE MAXIMUM
$190 $240 $840

Dining Table

6,800 RUB 9,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$74 $99 $190

Sofa or Couch

9,400 RUB 13,000 RUB 28,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $140 $310
Chart showing the prices and cost of electronic devices and appliances in Moscow

Electronics and House Appliance Costs


TV Set

9,500 RUB 14,000 RUB 28,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $160 $310

Fridge or Freezer

8,700 RUB 13,000 RUB 18,000 RUB
MINIMUM AVERAGE MAXIMUM
$96 $150 $200

Washing Machine

10,000 RUB 15,000 RUB 26,000 RUB
MINIMUM AVERAGE MAXIMUM
$110 $160 $290

Stove or Cooker

9,700 RUB 12,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$110 $140 $190

Mobile Phone

12,000 RUB 14,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$130 $160 $220

Laptop or Computer

13,000 RUB 16,000 RUB 30,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $180 $330
Distribution of monthly cost of living expenses of a couple in Moscow

How do couples spend their money in Moscow?

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 Cost28%

28% of total expenses on average (21% to 38%)

LOW$98   8,900 RUB
AVERAGE$640   58,000 RUB
HIGH$5,900   530,000 RUB
Per Month

Couples in Moscow typically spend from 21% to 38% of their total monthly expenditure on housing with 28% being the average. The average monthly spend on housing is 58,000 RUB with expenditure ranging from 8,900 RUB to 530,000 RUB. 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$9.4   850 RUB
AVERAGE$69   6,200 RUB
HIGH$770   70,000 RUB
Per Month

Utility expenditure like electricity, water, and gas in Moscow ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 6,200 RUB with 850 RUB and 70,000 RUB being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

Cost of transport and fuel10%

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

LOW$32   2,900 RUB
AVERAGE$210   19,000 RUB
HIGH$1,900   170,000 RUB
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 2,900 RUB to 170,000 RUB in a month on commuting with 19,000 RUB being the norm for most couples. This means that money spent on transport constitutes about 10% of total spending on average but can go as low as 4% or as high as 15%.

Food, groceries, and basic shopping expenditure for couples

Food and Groceries Cost16%

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

LOW$36   3,200 RUB
AVERAGE$230   21,000 RUB
HIGH$2,100   190,000 RUB
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Moscow is 21,000 RUB. The cost of groceries can range between 3,200 RUB to 190,000 RUB. Couples spend on average about 16% on food and groceries with upper and lower bounds of 11% and 21% respectively.

Healthcare and medical services expenditure for couples

Cost of healthcare13%

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

LOW$23   2,100 RUB
AVERAGE$150   13,000 RUB
HIGH$1,400   120,000 RUB
Per Month

Couples in Moscow allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 2,100 RUB to 120,000 RUB with 13,000 RUB being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping4%

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

LOW$15   1,400 RUB
AVERAGE$99   9,000 RUB
HIGH$920   83,000 RUB
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 1,400 RUB to 83,000 RUB with 9,000 RUB being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 4% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling2%

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

LOW$5.1   460 RUB
AVERAGE$33   3,000 RUB
HIGH$310   28,000 RUB
Per Month

Spending on education can vary drastically between different couples. On average, education constitutes 2% of the monthly expenditure of couples with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 3,000 RUB per month with 460 RUB being the minimum spent amount and 28,000 RUB being the maximum.

Other Expenses20%

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

LOW$47   4,300 RUB
AVERAGE$310   28,000 RUB
HIGH$2,800   260,000 RUB
Per Month
Chart showing the percentage of couples who are in debt in Moscow

Debt, loans, and mortgages in Moscow


Percentage of couples who are in debt


In Debt
28%
Debt Free
72%

According to the survey, 28% of the couples in Moscow have some kind of debt, loan, mortgage, or credit card payments while 72% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Moscow

Debt-to-income ratio in Moscow

Debt to income ratio

29%

20% to 38%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 29% of a couple's monthly income in Moscow goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%14%
40% - 50%13%
30% - 40%15%
20% - 30%13%
10% - 20%16%
0% - 10%27%

According to our data, 3% of the debtors in Moscow pay 60%+ of their income as debt settlement while 14% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 13% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 15% dedicated 30% to 40% of income for same. Things are looking brighter for 13% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Moscow

Debt% People
Real Estate Mortgage11%
Auto Loan19%
Student Loan3%
Credit Card27%
Personal Loan39%

11% of debtors in Moscow confirm that real estate mortgages constitutes the main part of their outstanding debt while 27% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 19% of people and personal loans rose at 39%. Lastly, student loans are the main source of debt for 3% of debtors in Moscow.


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 Moscow

Besides measuring the loan-to-income ratio, we asked couples 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
Never53%
Once a year23%
Twice a year12%
Three times a year8%
Four times a year4%
Reasons that make it difficult for couples to save money in Moscow

Saving Challenges in Moscow

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans16%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later19%
Inflation12%
Social Pressure3%
Market Instability3%

Around 6% of the couples said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 16% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% of couples blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 19% 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. 12% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Moscow

Typical saving choices for couples in Moscow

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings18%
Real Estate10%
Investment6%
Stocks5%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
How easily is cost-cutting for couples. Are there plenty of low-cost options in Moscow

Low-cost alternatives in Moscow

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 options58%

Few low-cost options42%


Based on the survey, 58% of the couples living in Moscow have no problem finding low-cost alternatives to support a frugal lifestyle while 42% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

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 Moscow

Affordable living in Moscow

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Moscow?


Yes
61%
No
39%

Around 61% of surveyed couples think that living in Moscow is affordable with proper budgeting while 39% reported that it is just too expensive and not affordable even with frugality and thriftness.

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

Yes59%

No41%


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

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

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy56%


We asked couple guardians and parents in Moscow whether they acquired any adequate personal financial training in their lives. Approximately 44% of the people who participated in the survey said that they are not well informed about the topics of budgeting, saving, etc., and just manage things based on their own experience, while 56% said that they know about the general principles of personal finance from sources other than their own experience.


Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 40% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 60% said that they have everything under control.

Struggles with finance40%

Easily manages finances60%

Financial goals and targets of couples living in Moscow

Financial goals of couples in Moscow

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


Financial Goal% People
Emergency Fund7%
Debt Reduction37%
Retirement Savings9%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle9%
Healthcare Expenses11%
Financial Independence7%

Around 7% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 37% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 9% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 11% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Monthly costs and expenses of energy and basic utilities in Moscow

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

850 RUB 6,200 RUB 70,000 RUB
MINIMUM AVERAGE MAXIMUM
$9.4 $69 $770

Internet and cable cost

740 RUB 1,500 RUB 2,000 RUB
MINIMUM AVERAGE MAXIMUM
$8.2 $16 $22

Mobile phone bill and charges

420 RUB 690 RUB 2,100 RUB
MINIMUM AVERAGE MAXIMUM
$4.6 $7.6 $23

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 6,200 RUB. The cost of internet and WiFi ranges from 740 RUB to 2,000 RUB with 1,500 RUB being the average internet bill. Finally, the average monthly mobile charges is around 690 RUB but can range between 420 RUB and 2,100 RUB depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


2.7% 6.6% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Moscow is around 6.6%. This means that people pay 6.6% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.7% to 12% depending on salary and location.

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

Housing costs, accommodation, and housing affordability in Moscow

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


Rent Cost in Moscow

Monthly Rent Prices

Studio apartment monthly rent cost

15,000 RUB 22,000 RUB 59,000 RUB
MINIMUM AVERAGE MAXIMUM
$160 $240 $650

1-bedroom apartment monthly rent cost

23,000 RUB 37,000 RUB 92,000 RUB
MINIMUM AVERAGE MAXIMUM
$250 $400 $1,000

2-bedroom apartment monthly rent cost

32,000 RUB 48,000 RUB 130,000 RUB
MINIMUM AVERAGE MAXIMUM
$350 $530 $1,400

3-bedroom apartment monthly rent cost

40,000 RUB 66,000 RUB 180,000 RUB
MINIMUM AVERAGE MAXIMUM
$440 $730 $2,000

Furnished apartment monthly rent cost

73,000 RUB 180,000 RUB 370,000 RUB
MINIMUM AVERAGE MAXIMUM
$810 $2,000 $4,000

Townhouse monthly rent cost

59,000 RUB 89,000 RUB 250,000 RUB
MINIMUM AVERAGE MAXIMUM
$650 $970 $2,800

House monthly rent cost

74,000 RUB 180,000 RUB 370,000 RUB
MINIMUM AVERAGE MAXIMUM
$810 $2,000 $4,100

Villa monthly rent cost

88,000 RUB 220,000 RUB 350,000 RUB
MINIMUM AVERAGE MAXIMUM
$970 $2,400 $3,900

The monthly rental cost of a studio apartment in Moscow ranges between 15,000 RUB and 59,000 RUB, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 23,000 RUB to 92,000 RUB. Two-bedroom rentals rate ranges between 32,000 RUB and 130,000 RUB per month. The monthly rental for a three-bedroom apartment ranges from 40,000 RUB to 180,000 RUB. The average rent of a townhouse in Moscow is around 89,000 RUB while house rental costs can be as high as 180,000 RUB per month. Finally, if you want to rent a villa, expect to pay anywhere from 88,000 RUB to 350,000 RUB per month.



Apartment and house prices in Moscow

Cost of buying a property

Studio apartment price

3.2M RUB 4.8M RUB 9.6M RUB
MINIMUM AVERAGE MAXIMUM
$35,000 $53,000 $110,000

1-bedroom apartment price

4M RUB 6.6M RUB 25M RUB
MINIMUM AVERAGE MAXIMUM
$44,000 $73,000 $270,000

2-bedroom apartment price

5.9M RUB 18M RUB 35M RUB
MINIMUM AVERAGE MAXIMUM
$65,000 $190,000 $390,000

3-bedroom apartment price

20M RUB 31M RUB 92M RUB
MINIMUM AVERAGE MAXIMUM
$220,000 $340,000 $1M

Townhouse price

27M RUB 64M RUB 240M RUB
MINIMUM AVERAGE MAXIMUM
$300,000 $710,000 $2.6M

House price

33M RUB 200M RUB 290M RUB
MINIMUM AVERAGE MAXIMUM
$370,000 $2.2M $3.2M

Villa price

40M RUB 220M RUB 330M RUB
MINIMUM AVERAGE MAXIMUM
$440,000 $2.4M $3.7M

The average price of a studio apartment in Moscow can range from 3.2M RUB to 9.6M RUB depending on location. One bedroom cost can be anywhere from 4M RUB to 25M RUB. A villa can cost you 220M RUB on average with prices ranging from 40M RUB to 330M RUB.


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


66 x194 monthly income 354
MINIMUM AVERAGE MAXIMUM

Property prices in Moscow can be x194 to x354 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x194 multiples of the average monthly salary in Moscow.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


29% 43% of income 57%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Moscow is around 43%. This means that people pay 43% of their income for rent. Those figures can range from 29% to 57% depending on the salary, location, and type of property.


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

Housing affordability index

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

Housing Affordability Index
29%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
2.1%
AVERAGE
3.1%
TO
4.1%

Home Maintenance Costs

Home maintenance costs encompass various expenses associated with the upkeep and repair of a residence. These expenditures include regular tasks such as lawn care, pest control, and HVAC system servicing, as well as occasional repairs and renovations like fixing leaks, painting, or replacing appliances.


260 RUB 2,600 RUB 40,000 RUB
MINIMUM AVERAGE MAXIMUM

Urban vs. rural living costs

Urban living typically entails higher housing and transportation costs due to demand and limited space, while rural areas generally offer lower housing expenses but may have higher prices for goods and services. The differnce in rental rates between urban areas and rural areas can be as high as 300% in some cases.

Food Prices, Dining Expenses, and Grocery Costs in Moscow

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


Prices and cost of goods and services in Moscow

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

Fast food combo meal price

140 RUB 270 RUB 460 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $3 $5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Moscow is approximatly 270 RUB with meal cost ranging from 140 RUB to 460 RUB. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

490 RUB 740 RUB 1,500 RUB
MINIMUM AVERAGE MAXIMUM
$5.4 $8.1 $16

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 490 RUB and 1,500 RUB with 740 RUB being the average price of a plate for one person at a regular restaurant in Moscow.

Fine dining meal for one price

910 RUB 1,400 RUB 5,500 RUB
MINIMUM AVERAGE MAXIMUM
$10 $15 $60

The price range of a meal at fine-dining restaurant is 910 RUB to 5,500 RUB with the average cost being 1,400 RUB for one person. This is what you would expect to pay a top-tier diner in Moscow.

Beverage prices, cappuccino, latte etc..

120 RUB 190 RUB 290 RUB
MINIMUM AVERAGE MAXIMUM
$1.3 $2.1 $3.2

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Moscow is around 190 RUB. Price ranges between 120 RUB and 290 RUB depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

98 RUB 120 RUB 150 RUB
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $1.6

The average price of a large bottle of milk in Moscow is 120 RUB. The maximum what you would pay for milk is 150 RUB and the minimum being 98 RUB depending on the brand of milk and other properties.

12 eggs price

68 RUB 91 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$0.75 $1.00 $1.5

A dozen eggs costs around 91 RUB on average with 68 RUB and 140 RUB being the lower and upper limits respectively.

Fresh whole chicken price

170 RUB 220 RUB 310 RUB
MINIMUM AVERAGE MAXIMUM
$1.9 $2.4 $3.4

The price range of a fresh whole chicken in Moscow is between 170 RUB and 310 RUB depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 220 RUB.

Pack of beef price

210 RUB 320 RUB 630 RUB
MINIMUM AVERAGE MAXIMUM
$2.3 $3.5 $7

The price of a regular pack of beef or meat is around 320 RUB. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

71 RUB 98 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$0.79 $1.1 $1.5

A bag of rice in Moscow costs around 98 RUB on average with prices rangeing between 71 RUB and 140 RUB depending on the brand and quality.

Bag of tomatos price

28 RUB 37 RUB 69 RUB
MINIMUM AVERAGE MAXIMUM
$0.30 $0.41 $0.76

A bag of tomatoes costs anywhere from 28 RUB to 69 RUB. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

51 RUB 66 RUB 110 RUB
MINIMUM AVERAGE MAXIMUM
$0.56 $0.73 $1.2

A bag of apples costs 66 RUB on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


23% 33% of income 41%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Moscow is around 33%. This means that couples spend 33% of their income on grocery and basic household items. The expenditure can range from 23% to 41% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 3,200 RUB to 190,000 RUB with the location, income, and size of the couple being the most determinite factors.

Published: February 5, 2024   Last Update: April 3, 2025



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