Cost Of Living For a Couple in NDjamena 2024
Average Monthly Expenditure
Currency: XAF
Average monthly spending for couples in NDjamena
How much money does a couple need in a month to survive in NDjamena?
Couples in NDjamena spend around 610,000 XAF per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 200,000 XAF or as high as 3.2M XAF. Location and income are very important factors and have a huge influence on expenditure and budget.
Prices and cost of goods and services in NDjamena
Dining, food, and beverages costs
Fast food combo meal
| 490 XAF | 970 XAF | 1,600 XAF |
Restaurant meal for one
| 1,700 XAF | 2,600 XAF | 5,100 XAF |
Fine dining meal for one
| 3,400 XAF | 5,100 XAF | 20,000 XAF |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
| 550 XAF | 720 XAF | 1,000 XAF |
Pack of beef
| 650 XAF | 970 XAF | 1,900 XAF |
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
| 430 XAF | 510 XAF | 1,000 XAF |
Average car full tank
| 2,400 XAF | 3,200 XAF | 6,500 XAF |
Average car 1-day rental
| 2,700 XAF | 3,600 XAF | 5,400 XAF |
Average car price
| 1.2M XAF | 2.4M XAF | 3.2M XAF |
Bus ticket one way
Car Service
| 3,600 XAF | 5,400 XAF | 11,000 XAF |
Utility cost (monthly)
Utility Bill - Couple
| 8,100 XAF | 27,000 XAF | 180,000 XAF |
Internet and cable
| 2,400 XAF | 4,900 XAF | 6,500 XAF |
Mobile phone charges
| 1,900 XAF | 3,200 XAF | 9,700 XAF |
Leisure and activities costs
Movie ticket
| 1,200 XAF | 1,600 XAF | 2,400 XAF |
One month gym membership
| 4,300 XAF | 5,400 XAF | 11,000 XAF |
Cloths and accessories costs
Pair of jeans or pants
| 3,100 XAF | 4,500 XAF | 6,700 XAF |
Woman dress
| 3,000 XAF | 4,100 XAF | 13,000 XAF |
Woman shoes
| 2,800 XAF | 3,800 XAF | 8,900 XAF |
Men's shoes
| 2,400 XAF | 3,000 XAF | 5,900 XAF |
Men suit
| 2,700 XAF | 3,300 XAF | 18,000 XAF |
Regular t-shirt
| 1,300 XAF | 1,800 XAF | 5,400 XAF |
Housing costs / monthly rent
Studio apartment
| 45,000 XAF | 67,000 XAF | 180,000 XAF |
1-bedroom apartment
| 67,000 XAF | 110,000 XAF | 270,000 XAF |
2-bedroom apartment
| 89,000 XAF | 130,000 XAF | 360,000 XAF |
Housing costs / Buying
Studio apartment
1-bedroom apartment
2-bedroom apartment
Furniture Costs
King Size Bed
| 49,000 XAF | 61,000 XAF | 81,000 XAF |
Double Bed
| 32,000 XAF | 49,000 XAF | 61,000 XAF |
Single Bed
| 29,000 XAF | 37,000 XAF | 49,000 XAF |
Living Room
| 54,000 XAF | 70,000 XAF | 240,000 XAF |
Dining Table
| 24,000 XAF | 32,000 XAF | 61,000 XAF |
Sofa or Couch
| 32,000 XAF | 44,000 XAF | 97,000 XAF |
Electronics and House Appliance Costs
TV Set
| 32,000 XAF | 49,000 XAF | 97,000 XAF |
Fridge or Freezer
| 29,000 XAF | 44,000 XAF | 61,000 XAF |
Washing Machine
| 37,000 XAF | 54,000 XAF | 97,000 XAF |
Stove or Cooker
| 35,000 XAF | 44,000 XAF | 61,000 XAF |
Mobile Phone
| 41,000 XAF | 49,000 XAF | 70,000 XAF |
Laptop or Computer
| 44,000 XAF | 54,000 XAF | 97,000 XAF |
Couple expenditure to income ratio in NDjamena
Analysing the how affordable it is for couples to live in NDjamena
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
90%
82% to 99%
( expenditure / income ) x 100
Couples in NDjamena spend around 90% of their monthly income.
Some couples spend as low as 82% of their income while some as high as 99%.
How do couples spend their money in NDjamena?
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 | $110 69,000 XAF |
| AVERAGE | $340 210,000 XAF |
| HIGH | $1,800 1.1M XAF |
| Per Month |
Couples in NDjamena 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 210,000 XAF with expenditure ranging from 69,000 XAF to 1.1M XAF. 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 | $13 8,100 XAF |
| AVERAGE | $45 27,000 XAF |
| HIGH | $290 180,000 XAF |
| Per Month |
Utility expenditure like electricity, water, and gas in NDjamena ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 27,000 XAF with 8,100 XAF and 180,000 XAF 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 | $40 24,000 XAF |
| AVERAGE | $120 73,000 XAF |
| HIGH | $640 390,000 XAF |
| 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 24,000 XAF to 390,000 XAF in a month on commuting with 73,000 XAF 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 | $47 28,000 XAF |
| AVERAGE | $140 85,000 XAF |
| HIGH | $750 450,000 XAF |
| Per Month |
The average outlay on groceries and basic houshold items for a typical couple in a month in NDjamena is 85,000 XAF. The cost of groceries can range between 28,000 XAF to 450,000 XAF. 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 | $37 22,000 XAF |
| AVERAGE | $110 67,000 XAF |
| HIGH | $590 360,000 XAF |
| Per Month |
Couples in NDjamena 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 22,000 XAF to 360,000 XAF with 67,000 XAF 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 | $20 12,000 XAF |
| AVERAGE | $60 36,000 XAF |
| HIGH | $320 190,000 XAF |
| 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 12,000 XAF to 190,000 XAF with 36,000 XAF 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 | $6.7 4,100 XAF |
| AVERAGE | $20 12,000 XAF |
| HIGH | $110 65,000 XAF |
| 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 12,000 XAF per month with 4,100 XAF being the minimum spent amount and 65,000 XAF being the maximum.
Other Expenses21%
21% of total expenses on average (15% to 27%)
| LOW | $57 34,000 XAF |
| AVERAGE | $170 100,000 XAF |
| HIGH | $910 550,000 XAF |
| Per Month |
What percentage of couples in NDjamena are able to save money and how much can they save?
Percentage of couples that reported their ability to save money
Almost 62% of surveyed couples in NDjamena said that they can save some money at the end of each month while 38% reported that they have to utilize their whole income to survive.
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
Average Monthly Saved Amount
65,000 XAF
$110 | 200,000 XAF
$320 | 1M XAF
$1,700 |
Savings to income distribution levels for couples
| Saving To Income Ratio | % Couples |
|---|
| 0% - 10% | 36% |
| 10% - 20% | 27% |
| 20% - 30% | 19% |
| 30% - 40% | 8% |
| 40% - 50% | 7% |
| > 50% | 3% |
Interpretation and Analysis
Couples that are able to save money can put anywhere from 11% to 33% of their monthly income to their savings, with 21% being the average for most couples. The average monthly amount of money that couples can put aside is 200,000 XAF with 65,000 XAF and 1M XAF being the minimum and maximum respectively.
Saving Challenges in NDjamena
Reasons that make it difficult for couples to save money
We wanted to understand what is stopping couples from maximizing their savings in NDjamena. Listed below are the answers given by the survey participants.
| Reason | % People |
|---|
| Low Income | 5% |
| High Expenses | 8% |
| Debt and Loans | 13% |
| Lack of Budgeting Skills | 12% |
| Impulsive Spending | 11% |
| Financial Emergencies | 7% |
| Living the moment | 5% |
| Will do it later | 21% |
| Inflation | 13% |
| Social Pressure | 3% |
| Market Instability | 2% |
Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 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. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.
Typical saving choices for couples in NDjamena
Where do people choose to put their savings?
| Saving Type | % People |
|---|
| Emergency Funds | 12% |
| Gold | 13% |
| Savings Accounts | 17% |
| Retirement Accounts | 10% |
| Cash Savings | 21% |
| Real Estate | 9% |
| Investment | 5% |
| Stocks | 4% |
| Bonds | 5% |
| Mutual Funds | 2% |
| Certificates of Deposit | 3% |
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.
Affordable living in NDjamena
Income and cost of living compatibility
We asked couples one simple question and recorded their answers.
Is it affordable or economical to live in NDjamena?
Around 59% of surveyed couples think that living in NDjamena is affordable with proper budgeting while 41% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in NDjamena
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 NDjamena 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 NDjamena whether they have an emergency fund and the answers were as follows.
Yes55%
No45%
Based on the survey, 45% of the couples living in NDjamena said that they don't have an emergency fund while 55% said that they do.
Financial Literacy in Chad
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 Leteracy49%
We asked couple guardians and parents in NDjamena whether they acquired any adequate personal financial training in their lives. Approximately 51% 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 49% 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 Chad have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 51% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 49% said that they have everything under control.
Struggles with finance51%
Easily manages finances49%
Financial goals of couples in NDjamena
In an attempt to understand the economic situation in NDjamena, 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 Fund | 8% |
| Debt Reduction | 42% |
| Retirement Savings | 10% |
| Education Funding | 7% |
| Homeownership | 18% |
| Investing | 7% |
| Travel or Lifestyle | 7% |
| Healthcare Expenses | 14% |
| Financial Independence | 5% |
Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 42% 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 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
Debt, loans, and mortgages in NDjamena
Percentage of couples who are in debt
According to the survey, 35% of the couples in NDjamena have some kind of debt, loan, mortgage, or credit card payments while 65% reported that they don't have financial obligations to banks.
Debt-to-income ratio in NDjamena
Debt to income ratio
34%
24% to 44%
( 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 34% of a couple's monthly income in NDjamena goes to debt settlement.
Debt levelsMonthly debt settlement payment as percentage of monthly income
| Debt-to-income ratio | % People |
|---|
| > 60% | 3% |
| 50% - 60% | 18% |
| 40% - 50% | 14% |
| 30% - 40% | 16% |
| 20% - 30% | 10% |
| 10% - 20% | 12% |
| 0% - 10% | 26% |
According to our data, 3% of the debtors in NDjamena pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 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 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in NDjamena
| Debt | % People |
|---|
| Real Estate Mortgage | 8% |
| Auto Loan | 15% |
| Student Loan | 4% |
| Credit Card | 30% |
| Personal Loan | 43% |
8% of debtors in NDjamena confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in NDjamena.
About credit score and debt managementManaging 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 NDjamena
Besides measuring the loan-to-income ratio, we asked couples of NDjamena 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 |
|---|
| Never | 50% |
| Once a year | 24% |
| Twice a year | 13% |
| Three times a year | 9% |
| Four times a year | 4% |
Housing costs, accommodation, and housing affordability in NDjamena
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in NDjamena
Monthly Rent Prices
Studio apartment monthly rent cost
| 45,000 XAF | 67,000 XAF | 180,000 XAF |
1-bedroom apartment monthly rent cost
| 67,000 XAF | 110,000 XAF | 270,000 XAF |
2-bedroom apartment monthly rent cost
| 89,000 XAF | 130,000 XAF | 360,000 XAF |
3-bedroom apartment monthly rent cost
| 110,000 XAF | 180,000 XAF | 490,000 XAF |
Furnished apartment monthly rent cost
| 210,000 XAF | 540,000 XAF | 1.1M XAF |
Townhouse monthly rent cost
| 180,000 XAF | 270,000 XAF | 760,000 XAF |
House monthly rent cost
| 210,000 XAF | 540,000 XAF | 1.1M XAF |
Villa monthly rent cost
| 270,000 XAF | 670,000 XAF | 1.1M XAF |
The monthly rental cost of a studio apartment in NDjamena ranges between 45,000 XAF and 180,000 XAF, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 67,000 XAF to 270,000 XAF. Two-bedroom rentals rate ranges between 89,000 XAF and 360,000 XAF per month. The monthly rental for a three-bedroom apartment ranges from 110,000 XAF to 490,000 XAF. The average rent of a townhouse in NDjamena is around 270,000 XAF while house rental costs can be as high as 540,000 XAF per month. Finally, if you want to rent a villa, expect to pay anywhere from 270,000 XAF to 1.1M XAF per month.
Apartment and house prices in NDjamena
Cost of buying a property
Studio apartment price
1-bedroom apartment price
2-bedroom apartment price
3-bedroom apartment price
| $98,000 | $150,000 | $440,000 |
Townhouse price
| 76M XAF | 180M XAF | 670M XAF |
House price
| 89M XAF | 540M XAF | 760M XAF |
Villa price
| 110M XAF | 590M XAF | 890M XAF |
The average price of a studio apartment in NDjamena can range from 8.9M XAF to 27M XAF depending on location. One bedroom cost can be anywhere from 11M XAF to 67M XAF. A villa can cost you 590M XAF on average with prices ranging from 110M XAF to 890M XAF.
If you're leasing or purchasing, housing costs in NDjamena 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
| 37 | x106 monthly income | 217 |
Property prices in NDjamena can be x106 to x217 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x106 multiples of the average monthly salary in NDjamena.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in NDjamena is around 33%. This means that people pay 33% of their income for rent. Those figures can range from 22% 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
30% 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.
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.
| 810 XAF | 11,000 XAF | 110,000 XAF |
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 NDjamena
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in NDjamena
Utility Bill Cost / Electricity + Water + Gas / Couple
| 8,100 XAF | 27,000 XAF | 180,000 XAF |
Internet and cable cost
| 2,400 XAF | 4,900 XAF | 6,500 XAF |
Mobile phone bill and charges
| 1,900 XAF | 3,200 XAF | 9,700 XAF |
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 27,000 XAF. The cost of internet and WiFi ranges from 2,400 XAF to 6,500 XAF with 4,900 XAF being the average internet bill. Finally, the average monthly mobile charges is around 3,200 XAF but can range between 1,900 XAF and 9,700 XAF 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
The average utility-to-income ratio in NDjamena 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 3.3% to 11% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in NDjamena
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in NDjamena
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
| 490 XAF | 970 XAF | 1,600 XAF |
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in NDjamena is approximatly 970 XAF with meal cost ranging from 490 XAF to 1,600 XAF. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
| 1,700 XAF | 2,600 XAF | 5,100 XAF |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,700 XAF and 5,100 XAF with 2,600 XAF being the average price of a plate for one person at a regular restaurant in NDjamena.
Fine dining meal for one price
| 3,400 XAF | 5,100 XAF | 20,000 XAF |
The price range of a meal at fine-dining restaurant is 3,400 XAF to 20,000 XAF with the average cost being 5,100 XAF for one person. This is what you would expect to pay a top-tier diner in NDjamena.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in NDjamena is around 650 XAF. Price ranges between 410 XAF and 970 XAF depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in NDjamena is 390 XAF. The maximum what you would pay for milk is 490 XAF and the minimum being 320 XAF depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 320 XAF on average with 240 XAF and 490 XAF being the lower and upper limits respectively.
Fresh whole chicken price
| 550 XAF | 720 XAF | 1,000 XAF |
The price range of a fresh whole chicken in NDjamena is between 550 XAF and 1,000 XAF depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 720 XAF.
Pack of beef price
| 650 XAF | 970 XAF | 1,900 XAF |
The price of a regular pack of beef or meat is around 970 XAF. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in NDjamena costs around 360 XAF on average with prices rangeing between 260 XAF and 510 XAF depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 97 XAF to 240 XAF. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 230 XAF 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
The average grocery-to-income ratio in NDjamena is around 30%. This means that couples spend 30% of their income on grocery and basic household items. The expenditure can range from 21% to 36% depending on salary and location.
Expenditure on food and grocery for couples
Couples' spending on grocery ranges from 28,000 XAF to 450,000 XAF with the location, income, and size of the couple being the most determinite factors.
