Cost Of Living For a Couple in Nepal 2025

Couple cost of living chart - average monthly expenditure in Nepal

Average Monthly Expenditure

Currency: NPR
31,000 93,000 500,000
MINIMUM AVERAGE MAXIMUM
$230 $700 $3,700

Average monthly spending for couples in Nepal

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

Couples in Nepal spend around 93,000 NPR per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 31,000 NPR or as high as 500,000 NPR. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Nepal


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

Dining, food, and beverages costs


Fast food combo meal

81 NPR 160 NPR 270 NPR
MINIMUM AVERAGE MAXIMUM
$0.61 $1.2 $2

Restaurant meal for one

270 NPR 410 NPR 810 NPR
MINIMUM AVERAGE MAXIMUM
$2 $3.1 $6.1

Fine dining meal for one

540 NPR 810 NPR 3,200 NPR
MINIMUM AVERAGE MAXIMUM
$4.1 $6.1 $24

Cappuccino or latte

68 NPR 110 NPR 160 NPR
MINIMUM AVERAGE MAXIMUM
$0.51 $0.81 $1.2

Grocery and market costs


Milk large bottle

54 NPR 65 NPR 81 NPR
MINIMUM AVERAGE MAXIMUM
$0.41 $0.49 $0.61

12 eggs

41 NPR 54 NPR 81 NPR
MINIMUM AVERAGE MAXIMUM
$0.31 $0.41 $0.61

Fresh whole chicken

92 NPR 120 NPR 170 NPR
MINIMUM AVERAGE MAXIMUM
$0.69 $0.90 $1.3

Pack of beef

110 NPR 160 NPR 320 NPR
MINIMUM AVERAGE MAXIMUM
$0.81 $1.2 $2.4

Medium bag of rice

44 NPR 60 NPR 84 NPR
MINIMUM AVERAGE MAXIMUM
$0.33 $0.45 $0.64

Bag of tomatos

16 NPR 22 NPR 41 NPR
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.31

Bag of apples

29 NPR 38 NPR 62 NPR
MINIMUM AVERAGE MAXIMUM
$0.22 $0.29 $0.47
Chart showing the prices and cost of commute, travel, and transportation in Nepal


Commute, travel, and transportation costs


20 minutes taxi ride

68 NPR 81 NPR 160 NPR
MINIMUM AVERAGE MAXIMUM
$0.51 $0.61 $1.2

Average car full tank

410 NPR 540 NPR 1,100 NPR
MINIMUM AVERAGE MAXIMUM
$3.1 $4.1 $8.1

Average car 1-day rental

410 NPR 540 NPR 810 NPR
MINIMUM AVERAGE MAXIMUM
$3.1 $4.1 $6.1

Average car price

200,000 NPR 410,000 NPR 540,000 NPR
MINIMUM AVERAGE MAXIMUM
$1,500 $3,100 $4,100

Bus ticket one way

14 NPR 20 NPR 41 NPR
MINIMUM AVERAGE MAXIMUM
$0.10 $0.15 $0.31

Car Service

540 NPR 810 NPR 1,600 NPR
MINIMUM AVERAGE MAXIMUM
$4.1 $6.1 $12
Chart showing the prices and cost of utility, energy, water, and gas in Nepal


Utility cost (monthly)


Utility Bill - Couple

1,200 NPR 4,200 NPR 27,000 NPR
MINIMUM AVERAGE MAXIMUM
$9.3 $31 $210

Internet and cable

410 NPR 810 NPR 1,100 NPR
MINIMUM AVERAGE MAXIMUM
$3.1 $6.1 $8.1

Mobile phone charges

320 NPR 540 NPR 1,600 NPR
MINIMUM AVERAGE MAXIMUM
$2.4 $4.1 $12

Leisure and activities costs


Movie ticket

200 NPR 270 NPR 410 NPR
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3.1

One month gym membership

650 NPR 810 NPR 1,600 NPR
MINIMUM AVERAGE MAXIMUM
$4.9 $6.1 $12
Chart showing the prices and cost of clothing and accessories in Nepal


Cloths and accessories costs


Pair of jeans or pants

480 NPR 680 NPR 1,000 NPR
MINIMUM AVERAGE MAXIMUM
$3.6 $5.1 $7.6

Woman dress

450 NPR 620 NPR 2,000 NPR
MINIMUM AVERAGE MAXIMUM
$3.4 $4.7 $15

Woman shoes

430 NPR 580 NPR 1,400 NPR
MINIMUM AVERAGE MAXIMUM
$3.2 $4.4 $10

Men's shoes

370 NPR 450 NPR 900 NPR
MINIMUM AVERAGE MAXIMUM
$2.8 $3.4 $6.8

Men suit

410 NPR 510 NPR 2,700 NPR
MINIMUM AVERAGE MAXIMUM
$3.1 $3.8 $20

Regular t-shirt

200 NPR 270 NPR 810 NPR
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $6.1
Chart showing the prices and cost of housing, accommodation, and rent in Nepal


Housing costs / monthly rent


Studio apartment

6,800 NPR 10,000 NPR 27,000 NPR
MINIMUM AVERAGE MAXIMUM
$51 $76 $200

1-bedroom apartment

10,000 NPR 16,000 NPR 41,000 NPR
MINIMUM AVERAGE MAXIMUM
$76 $120 $310

2-bedroom apartment

14,000 NPR 20,000 NPR 54,000 NPR
MINIMUM AVERAGE MAXIMUM
$100 $150 $410

Housing costs / Buying


Studio apartment

1.4M NPR 2M NPR 4.1M NPR
MINIMUM AVERAGE MAXIMUM
$10,000 $15,000 $31,000

1-bedroom apartment

1.6M NPR 2.7M NPR 10M NPR
MINIMUM AVERAGE MAXIMUM
$12,000 $20,000 $76,000

2-bedroom apartment

2.7M NPR 8.1M NPR 16M NPR
MINIMUM AVERAGE MAXIMUM
$20,000 $61,000 $120,000
Chart showing the prices and cost of furniture in Nepal


Furniture Costs


King Size Bed

8,100 NPR 10,000 NPR 14,000 NPR
MINIMUM AVERAGE MAXIMUM
$61 $76 $100

Double Bed

5,400 NPR 8,100 NPR 10,000 NPR
MINIMUM AVERAGE MAXIMUM
$41 $61 $76

Single Bed

4,800 NPR 6,200 NPR 8,100 NPR
MINIMUM AVERAGE MAXIMUM
$36 $47 $61

Living Room

9,000 NPR 12,000 NPR 41,000 NPR
MINIMUM AVERAGE MAXIMUM
$68 $87 $310

Dining Table

4,100 NPR 5,400 NPR 10,000 NPR
MINIMUM AVERAGE MAXIMUM
$31 $41 $76

Sofa or Couch

5,400 NPR 7,400 NPR 16,000 NPR
MINIMUM AVERAGE MAXIMUM
$41 $55 $120
Chart showing the prices and cost of electronic devices and appliances in Nepal


Electronics and House Appliance Costs


TV Set

5,400 NPR 8,100 NPR 16,000 NPR
MINIMUM AVERAGE MAXIMUM
$41 $61 $120

Fridge or Freezer

4,800 NPR 7,400 NPR 10,000 NPR
MINIMUM AVERAGE MAXIMUM
$36 $55 $76

Washing Machine

6,200 NPR 9,000 NPR 16,000 NPR
MINIMUM AVERAGE MAXIMUM
$47 $68 $120

Stove or Cooker

5,800 NPR 7,400 NPR 10,000 NPR
MINIMUM AVERAGE MAXIMUM
$44 $55 $76

Mobile Phone

6,800 NPR 8,100 NPR 12,000 NPR
MINIMUM AVERAGE MAXIMUM
$51 $61 $87

Laptop or Computer

7,400 NPR 9,000 NPR 16,000 NPR
MINIMUM AVERAGE MAXIMUM
$55 $68 $120
Couple cost of living and expenditure to income ratio in Nepal

Couple expenditure to income ratio in Nepal

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

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

82%

74% to 89%

( expenditure / income ) x 100


Couples in Nepal spend around 82% of their monthly income. Some couples spend as low as 74% of their income while some as high as 89%.

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

How do couples spend their money in Nepal?

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$79   11,000 NPR
AVERAGE$240   32,000 NPR
HIGH$1,300   170,000 NPR
Per Month

Couples in Nepal 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 32,000 NPR with expenditure ranging from 11,000 NPR to 170,000 NPR. 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$9.3   1,200 NPR
AVERAGE$31   4,200 NPR
HIGH$210   27,000 NPR
Per Month

Utility expenditure like electricity, water, and gas in Nepal ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 4,200 NPR with 1,200 NPR and 27,000 NPR 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$28   3,700 NPR
AVERAGE$84   11,000 NPR
HIGH$450   59,000 NPR
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 3,700 NPR to 59,000 NPR in a month on commuting with 11,000 NPR 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$33   4,300 NPR
AVERAGE$98   13,000 NPR
HIGH$520   69,000 NPR
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Nepal is 13,000 NPR. The cost of groceries can range between 4,300 NPR to 69,000 NPR. 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$26   3,400 NPR
AVERAGE$77   10,000 NPR
HIGH$410   54,000 NPR
Per Month

Couples in Nepal 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 3,400 NPR to 54,000 NPR with 10,000 NPR being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping4%

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

LOW$14   1,900 NPR
AVERAGE$42   5,600 NPR
HIGH$220   30,000 NPR
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 1,900 NPR to 30,000 NPR with 5,600 NPR being the average. Speaking of percentages, that equates to 1% to 7% of total expenses with an average of 4% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling1%

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

LOW$4.7   620 NPR
AVERAGE$14   1,900 NPR
HIGH$75   9,900 NPR
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 1,900 NPR per month with 620 NPR being the minimum spent amount and 9,900 NPR being the maximum.

Other Expenses20%

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

LOW$40   5,300 NPR
AVERAGE$120   16,000 NPR
HIGH$630   84,000 NPR
Per Month
Percentage of couples who manage to save money from their income every month in Nepal

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


Percentage of couples that reported their ability to save money


Saving Money
54%
Not Saving
46%

Almost 54% of surveyed couples in Nepal said that they can save some money at the end of each month while 46% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Nepal

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

12% 20% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

9,600 NPR
$72
29,000 NPR
$220
150,000 NPR
$1,200
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 12% to 32% of their monthly income to their savings, with 20% being the average for most couples. The average monthly amount of money that couples can put aside is 29,000 NPR with 9,600 NPR and 150,000 NPR being the minimum and maximum respectively.

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

Saving Challenges in Nepal

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans15%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later19%
Inflation12%
Social Pressure3%
Market Instability2%

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 15% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 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, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Nepal

Typical saving choices for couples in Nepal

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold12%
Savings Accounts17%
Retirement Accounts10%
Cash Savings19%
Real Estate9%
Investment5%
Stocks5%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

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

  • 50% for needs and financial obligations

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

  • 30% for wants and discretionary spending

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

  • 20% for savings and emergency fund

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

About financial planning, money management, and household budgeting

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

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

Affordable living in Nepal

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Nepal?


Yes
53%
No
47%

Around 53% of surveyed couples think that living in Nepal is affordable with proper budgeting while 47% 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 Nepal

Low-cost alternatives in Nepal

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 options57%

Few low-cost options43%


Based on the survey, 57% of the couples living in Nepal have no problem finding low-cost alternatives to support a frugal lifestyle while 43% 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 Nepal whether they have an emergency fund and the answers were as follows.

Yes53%

No47%


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

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

Financial Literacy in Nepal

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 Leteracy48%


We asked couple guardians and parents in Nepal whether they acquired any adequate personal financial training in their lives. Approximately 52% 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 48% 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 Nepal have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 42% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 58% said that they have everything under control.

Struggles with finance42%

Easily manages finances58%

Financial goals and targets of couples living in Nepal

Financial goals of couples in Nepal

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


Financial Goal% People
Emergency Fund8%
Debt Reduction39%
Retirement Savings9%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle8%
Healthcare Expenses12%
Financial Independence6%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 39% 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 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 8% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 12% 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 Nepal

Debt, loans, and mortgages in Nepal


Percentage of couples who are in debt


In Debt
27%
Debt Free
73%

According to the survey, 27% of the couples in Nepal have some kind of debt, loan, mortgage, or credit card payments while 73% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Nepal

Debt-to-income ratio in Nepal

Debt to income ratio

31%

22% to 39%

( 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 31% of a couple's monthly income in Nepal goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%15%
40% - 50%13%
30% - 40%15%
20% - 30%12%
10% - 20%15%
0% - 10%26%

According to our data, 3% of the debtors in Nepal pay 60%+ of their income as debt settlement while 15% 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 12% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Nepal

Debt% People
Real Estate Mortgage10%
Auto Loan18%
Student Loan4%
Credit Card28%
Personal Loan40%

10% of debtors in Nepal confirm that real estate mortgages constitutes the main part of their outstanding debt while 28% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 18% of people and personal loans rose at 40%. Lastly, student loans are the main source of debt for 4% of debtors in Nepal.


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 Nepal

Besides measuring the loan-to-income ratio, we asked couples of Nepal 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
Never52%
Once a year23%
Twice a year12%
Three times a year9%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Nepal

Housing costs, accommodation, and housing affordability in Nepal

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


Rent Cost in Nepal

Monthly Rent Prices

Studio apartment monthly rent cost

6,800 NPR 10,000 NPR 27,000 NPR
MINIMUM AVERAGE MAXIMUM
$51 $76 $200

1-bedroom apartment monthly rent cost

10,000 NPR 16,000 NPR 41,000 NPR
MINIMUM AVERAGE MAXIMUM
$76 $120 $310

2-bedroom apartment monthly rent cost

14,000 NPR 20,000 NPR 54,000 NPR
MINIMUM AVERAGE MAXIMUM
$100 $150 $410

3-bedroom apartment monthly rent cost

16,000 NPR 27,000 NPR 74,000 NPR
MINIMUM AVERAGE MAXIMUM
$120 $200 $550

Furnished apartment monthly rent cost

32,000 NPR 81,000 NPR 160,000 NPR
MINIMUM AVERAGE MAXIMUM
$240 $610 $1,200

Townhouse monthly rent cost

27,000 NPR 41,000 NPR 120,000 NPR
MINIMUM AVERAGE MAXIMUM
$200 $310 $870

House monthly rent cost

32,000 NPR 81,000 NPR 160,000 NPR
MINIMUM AVERAGE MAXIMUM
$240 $610 $1,200

Villa monthly rent cost

41,000 NPR 100,000 NPR 160,000 NPR
MINIMUM AVERAGE MAXIMUM
$310 $760 $1,200

The monthly rental cost of a studio apartment in Nepal ranges between 6,800 NPR and 27,000 NPR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 10,000 NPR to 41,000 NPR. Two-bedroom rentals rate ranges between 14,000 NPR and 54,000 NPR per month. The monthly rental for a three-bedroom apartment ranges from 16,000 NPR to 74,000 NPR. The average rent of a townhouse in Nepal is around 41,000 NPR while house rental costs can be as high as 81,000 NPR per month. Finally, if you want to rent a villa, expect to pay anywhere from 41,000 NPR to 160,000 NPR per month.



Apartment and house prices in Nepal

Cost of buying a property

Studio apartment price

1.4M NPR 2M NPR 4.1M NPR
MINIMUM AVERAGE MAXIMUM
$10,000 $15,000 $31,000

1-bedroom apartment price

1.6M NPR 2.7M NPR 10M NPR
MINIMUM AVERAGE MAXIMUM
$12,000 $20,000 $76,000

2-bedroom apartment price

2.7M NPR 8.1M NPR 16M NPR
MINIMUM AVERAGE MAXIMUM
$20,000 $61,000 $120,000

3-bedroom apartment price

9M NPR 14M NPR 41M NPR
MINIMUM AVERAGE MAXIMUM
$68,000 $100,000 $310,000

Townhouse price

12M NPR 27M NPR 100M NPR
MINIMUM AVERAGE MAXIMUM
$87,000 $200,000 $760,000

House price

14M NPR 81M NPR 120M NPR
MINIMUM AVERAGE MAXIMUM
$100,000 $610,000 $870,000

Villa price

16M NPR 90M NPR 140M NPR
MINIMUM AVERAGE MAXIMUM
$120,000 $680,000 $1M

The average price of a studio apartment in Nepal can range from 1.4M NPR to 4.1M NPR depending on location. One bedroom cost can be anywhere from 1.6M NPR to 10M NPR. A villa can cost you 90M NPR on average with prices ranging from 16M NPR to 140M NPR.


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


34 x98 monthly income 199
MINIMUM AVERAGE MAXIMUM

Property prices in Nepal can be x98 to x199 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x98 multiples of the average monthly salary in Nepal.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


20% 30% of income 40%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Nepal is around 30%. This means that people pay 30% of their income for rent. Those figures can range from 20% to 40% 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
28%

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%
AVERAGE
3%
TO
4%

Home Maintenance Costs

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


120 NPR 1,600 NPR 16,000 NPR
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 Nepal

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

1,200 NPR 4,200 NPR 27,000 NPR
MINIMUM AVERAGE MAXIMUM
$9.3 $31 $210

Internet and cable cost

410 NPR 810 NPR 1,100 NPR
MINIMUM AVERAGE MAXIMUM
$3.1 $6.1 $8.1

Mobile phone bill and charges

320 NPR 540 NPR 1,600 NPR
MINIMUM AVERAGE MAXIMUM
$2.4 $4.1 $12

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 4,200 NPR. The cost of internet and WiFi ranges from 410 NPR to 1,100 NPR with 810 NPR being the average internet bill. Finally, the average monthly mobile charges is around 540 NPR but can range between 320 NPR and 1,600 NPR 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


3% 6% of income 10%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Nepal is around 6%. This means that people pay 6% of their income for energy, water, internet, and mobile charges. Those figures can range from 3% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Nepal

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


Prices and cost of goods and services in Nepal

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

Fast food combo meal price

81 NPR 160 NPR 270 NPR
MINIMUM AVERAGE MAXIMUM
$0.61 $1.2 $2

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Nepal is approximatly 160 NPR with meal cost ranging from 81 NPR to 270 NPR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

270 NPR 410 NPR 810 NPR
MINIMUM AVERAGE MAXIMUM
$2 $3.1 $6.1

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 270 NPR and 810 NPR with 410 NPR being the average price of a plate for one person at a regular restaurant in Nepal.

Fine dining meal for one price

540 NPR 810 NPR 3,200 NPR
MINIMUM AVERAGE MAXIMUM
$4.1 $6.1 $24

The price range of a meal at fine-dining restaurant is 540 NPR to 3,200 NPR with the average cost being 810 NPR for one person. This is what you would expect to pay a top-tier diner in Nepal.

Beverage prices, cappuccino, latte etc..

68 NPR 110 NPR 160 NPR
MINIMUM AVERAGE MAXIMUM
$0.51 $0.81 $1.2

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Nepal is around 110 NPR. Price ranges between 68 NPR and 160 NPR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

54 NPR 65 NPR 81 NPR
MINIMUM AVERAGE MAXIMUM
$0.41 $0.49 $0.61

The average price of a large bottle of milk in Nepal is 65 NPR. The maximum what you would pay for milk is 81 NPR and the minimum being 54 NPR depending on the brand of milk and other properties.

12 eggs price

41 NPR 54 NPR 81 NPR
MINIMUM AVERAGE MAXIMUM
$0.31 $0.41 $0.61

A dozen eggs costs around 54 NPR on average with 41 NPR and 81 NPR being the lower and upper limits respectively.

Fresh whole chicken price

92 NPR 120 NPR 170 NPR
MINIMUM AVERAGE MAXIMUM
$0.69 $0.90 $1.3

The price range of a fresh whole chicken in Nepal is between 92 NPR and 170 NPR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 120 NPR.

Pack of beef price

110 NPR 160 NPR 320 NPR
MINIMUM AVERAGE MAXIMUM
$0.81 $1.2 $2.4

The price of a regular pack of beef or meat is around 160 NPR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

44 NPR 60 NPR 84 NPR
MINIMUM AVERAGE MAXIMUM
$0.33 $0.45 $0.64

A bag of rice in Nepal costs around 60 NPR on average with prices rangeing between 44 NPR and 84 NPR depending on the brand and quality.

Bag of tomatos price

16 NPR 22 NPR 41 NPR
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.31

A bag of tomatoes costs anywhere from 16 NPR to 41 NPR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

29 NPR 38 NPR 62 NPR
MINIMUM AVERAGE MAXIMUM
$0.22 $0.29 $0.47

A bag of apples costs 38 NPR on average. A bag of apples denotes 1Kg or 1lb depending on location.


Grocery and food expenditure to income ratio


( monthly grocery expenses / monthly income ) x 100


19% 27% of income 33%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Nepal is around 27%. This means that couples spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 33% depending on salary and location.


Expenditure on food and grocery for couples

Couples' spending on grocery ranges from 4,300 NPR to 69,000 NPR with the location, income, and size of the couple being the most determinite factors.

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