Cost Of Living For a Couple in Tajikistan 2024

Couple cost of living chart - average monthly expenditure in Tajikistan

Average Monthly Expenditure

Currency: TJS
4,400 13,000 70,000
MINIMUM AVERAGE MAXIMUM
$400 $1,200 $6,400

Average monthly spending for couples in Tajikistan

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

Couples in Tajikistan spend around 13,000 TJS per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 4,400 TJS or as high as 70,000 TJS. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Tajikistan


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

Dining, food, and beverages costs


Fast food combo meal

12 TJS 23 TJS 39 TJS
MINIMUM AVERAGE MAXIMUM
$1.1 $2.1 $3.6

Restaurant meal for one

39 TJS 58 TJS 120 TJS
MINIMUM AVERAGE MAXIMUM
$3.6 $5.3 $11

Fine dining meal for one

78 TJS 120 TJS 470 TJS
MINIMUM AVERAGE MAXIMUM
$7.1 $11 $43

Cappuccino or latte

9.7 TJS 16 TJS 23 TJS
MINIMUM AVERAGE MAXIMUM
$0.89 $1.4 $2.1

Grocery and market costs


Milk large bottle

7.8 TJS 9.4 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.71 $0.85 $1.1

12 eggs

5.8 TJS 7.8 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.53 $0.71 $1.1

Fresh whole chicken

13 TJS 17 TJS 24 TJS
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.2

Pack of beef

16 TJS 23 TJS 47 TJS
MINIMUM AVERAGE MAXIMUM
$1.4 $2.1 $4.3

Medium bag of rice

6.3 TJS 8.6 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.57 $0.79 $1.1

Bag of tomatos

2.3 TJS 3.1 TJS 5.8 TJS
MINIMUM AVERAGE MAXIMUM
$0.21 $0.28 $0.53

Bag of apples

4.2 TJS 5.5 TJS 9 TJS
MINIMUM AVERAGE MAXIMUM
$0.38 $0.50 $0.82
Chart showing the prices and cost of commute, travel, and transportation in Tajikistan


Commute, travel, and transportation costs


20 minutes taxi ride

9.7 TJS 12 TJS 23 TJS
MINIMUM AVERAGE MAXIMUM
$0.89 $1.1 $2.1

Average car full tank

58 TJS 78 TJS 160 TJS
MINIMUM AVERAGE MAXIMUM
$5.3 $7.1 $14

Average car 1-day rental

58 TJS 78 TJS 120 TJS
MINIMUM AVERAGE MAXIMUM
$5.3 $7.1 $11

Average car price

29,000 TJS 58,000 TJS 78,000 TJS
MINIMUM AVERAGE MAXIMUM
$2,700 $5,300 $7,100

Bus ticket one way

1.9 TJS 2.9 TJS 5.8 TJS
MINIMUM AVERAGE MAXIMUM
$0.18 $0.27 $0.53

Car Service

78 TJS 120 TJS 230 TJS
MINIMUM AVERAGE MAXIMUM
$7.1 $11 $21
Chart showing the prices and cost of utility, energy, water, and gas in Tajikistan


Utility cost (monthly)


Utility Bill - Couple

170 TJS 590 TJS 3,800 TJS
MINIMUM AVERAGE MAXIMUM
$16 $54 $350

Internet and cable

58 TJS 120 TJS 160 TJS
MINIMUM AVERAGE MAXIMUM
$5.3 $11 $14

Mobile phone charges

47 TJS 78 TJS 230 TJS
MINIMUM AVERAGE MAXIMUM
$4.3 $7.1 $21

Leisure and activities costs


Movie ticket

29 TJS 39 TJS 58 TJS
MINIMUM AVERAGE MAXIMUM
$2.7 $3.6 $5.3

One month gym membership

94 TJS 120 TJS 230 TJS
MINIMUM AVERAGE MAXIMUM
$8.5 $11 $21
Chart showing the prices and cost of clothing and accessories in Tajikistan


Cloths and accessories costs


Pair of jeans or pants

69 TJS 97 TJS 150 TJS
MINIMUM AVERAGE MAXIMUM
$6.3 $8.9 $13

Woman dress

65 TJS 90 TJS 290 TJS
MINIMUM AVERAGE MAXIMUM
$5.9 $8.2 $27

Woman shoes

62 TJS 84 TJS 190 TJS
MINIMUM AVERAGE MAXIMUM
$5.6 $7.6 $18

Men's shoes

53 TJS 65 TJS 130 TJS
MINIMUM AVERAGE MAXIMUM
$4.9 $5.9 $12

Men suit

58 TJS 73 TJS 390 TJS
MINIMUM AVERAGE MAXIMUM
$5.3 $6.7 $36

Regular t-shirt

29 TJS 39 TJS 120 TJS
MINIMUM AVERAGE MAXIMUM
$2.7 $3.6 $11
Chart showing the prices and cost of housing, accommodation, and rent in Tajikistan


Housing costs / monthly rent


Studio apartment

970 TJS 1,500 TJS 3,900 TJS
MINIMUM AVERAGE MAXIMUM
$89 $130 $360

1-bedroom apartment

1,500 TJS 2,300 TJS 5,800 TJS
MINIMUM AVERAGE MAXIMUM
$130 $210 $530

2-bedroom apartment

1,900 TJS 2,900 TJS 7,800 TJS
MINIMUM AVERAGE MAXIMUM
$180 $270 $710

Housing costs / Buying


Studio apartment

190,000 TJS 290,000 TJS 580,000 TJS
MINIMUM AVERAGE MAXIMUM
$18,000 $27,000 $53,000

1-bedroom apartment

230,000 TJS 390,000 TJS 1.5M TJS
MINIMUM AVERAGE MAXIMUM
$21,000 $36,000 $130,000

2-bedroom apartment

390,000 TJS 1.2M TJS 2.3M TJS
MINIMUM AVERAGE MAXIMUM
$36,000 $110,000 $210,000
Chart showing the prices and cost of furniture in Tajikistan


Furniture Costs


King Size Bed

1,200 TJS 1,500 TJS 1,900 TJS
MINIMUM AVERAGE MAXIMUM
$110 $130 $180

Double Bed

780 TJS 1,200 TJS 1,500 TJS
MINIMUM AVERAGE MAXIMUM
$71 $110 $130

Single Bed

690 TJS 900 TJS 1,200 TJS
MINIMUM AVERAGE MAXIMUM
$63 $82 $110

Living Room

1,300 TJS 1,700 TJS 5,800 TJS
MINIMUM AVERAGE MAXIMUM
$120 $150 $530

Dining Table

580 TJS 780 TJS 1,500 TJS
MINIMUM AVERAGE MAXIMUM
$53 $71 $130

Sofa or Couch

780 TJS 1,100 TJS 2,300 TJS
MINIMUM AVERAGE MAXIMUM
$71 $97 $210
Chart showing the prices and cost of electronic devices and appliances in Tajikistan


Electronics and House Appliance Costs


TV Set

780 TJS 1,200 TJS 2,300 TJS
MINIMUM AVERAGE MAXIMUM
$71 $110 $210

Fridge or Freezer

690 TJS 1,100 TJS 1,500 TJS
MINIMUM AVERAGE MAXIMUM
$63 $97 $130

Washing Machine

900 TJS 1,300 TJS 2,300 TJS
MINIMUM AVERAGE MAXIMUM
$82 $120 $210

Stove or Cooker

840 TJS 1,100 TJS 1,500 TJS
MINIMUM AVERAGE MAXIMUM
$76 $97 $130

Mobile Phone

970 TJS 1,200 TJS 1,700 TJS
MINIMUM AVERAGE MAXIMUM
$89 $110 $150

Laptop or Computer

1,100 TJS 1,300 TJS 2,300 TJS
MINIMUM AVERAGE MAXIMUM
$97 $120 $210
Couple cost of living and expenditure to income ratio in Tajikistan

Couple expenditure to income ratio in Tajikistan

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

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%

75% to 90%

( expenditure / income ) x 100


Couples in Tajikistan spend around 82% of their monthly income. Some couples spend as low as 75% of their income while some as high as 90%.

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

How do couples spend their money in Tajikistan?

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$140   1,500 TJS
AVERAGE$410   4,500 TJS
HIGH$2,200   24,000 TJS
Per Month

Couples in Tajikistan 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 4,500 TJS with expenditure ranging from 1,500 TJS to 24,000 TJS. 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$16   170 TJS
AVERAGE$54   590 TJS
HIGH$350   3,800 TJS
Per Month

Utility expenditure like electricity, water, and gas in Tajikistan ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 590 TJS with 170 TJS and 3,800 TJS 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$48   520 TJS
AVERAGE$140   1,600 TJS
HIGH$770   8,400 TJS
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 520 TJS to 8,400 TJS in a month on commuting with 1,600 TJS 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$56   610 TJS
AVERAGE$170   1,800 TJS
HIGH$890   9,800 TJS
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Tajikistan is 1,800 TJS. The cost of groceries can range between 610 TJS to 9,800 TJS. 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$44   480 TJS
AVERAGE$130   1,400 TJS
HIGH$700   7,700 TJS
Per Month

Couples in Tajikistan 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 480 TJS to 7,700 TJS with 1,400 TJS 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$24   260 TJS
AVERAGE$72   790 TJS
HIGH$380   4,200 TJS
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 260 TJS to 4,200 TJS with 790 TJS 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$8   87 TJS
AVERAGE$24   260 TJS
HIGH$130   1,400 TJS
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 260 TJS per month with 87 TJS being the minimum spent amount and 1,400 TJS being the maximum.

Other Expenses20%

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

LOW$68   740 TJS
AVERAGE$200   2,200 TJS
HIGH$1,100   12,000 TJS
Per Month
Percentage of couples who manage to save money from their income every month in Tajikistan

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


Percentage of couples that reported their ability to save money


Saving Money
59%
Not Saving
41%

Almost 59% of surveyed couples in Tajikistan said that they can save some money at the end of each month while 41% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Tajikistan

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

9% 16% of income 29%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

1,500 TJS
$140
4,400 TJS
$410
24,000 TJS
$2,200
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%37%
10% - 20%28%
20% - 30%19%
30% - 40%7%
40% - 50%6%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9% to 29% of their monthly income to their savings, with 16% being the average for most couples. The average monthly amount of money that couples can put aside is 4,400 TJS with 1,500 TJS and 24,000 TJS being the minimum and maximum respectively.

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

Saving Challenges in Tajikistan

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans14%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later20%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the couples said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 14% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Tajikistan

Typical saving choices for couples in Tajikistan

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold12%
Savings Accounts17%
Retirement Accounts10%
Cash Savings20%
Real Estate9%
Investment5%
Stocks5%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

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

  • 50% for needs and financial obligations

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

  • 30% for wants and discretionary spending

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

  • 20% for savings and emergency fund

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

About financial planning, money management, and household budgeting

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

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

Affordable living in Tajikistan

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Tajikistan?


Yes
58%
No
42%

Around 58% of surveyed couples think that living in Tajikistan is affordable with proper budgeting while 42% 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 Tajikistan

Low-cost alternatives in Tajikistan

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 options56%

Few low-cost options44%


Based on the survey, 56% of the couples living in Tajikistan have no problem finding low-cost alternatives to support a frugal lifestyle while 44% 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 Tajikistan whether they have an emergency fund and the answers were as follows.

Yes55%

No45%


Based on the survey, 45% of the couples living in Tajikistan said that they don't have an emergency fund while 55% said that they do.

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

Financial Literacy in Tajikistan

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 Leteracy53%


We asked couple guardians and parents in Tajikistan whether they acquired any adequate personal financial training in their lives. Approximately 47% 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 53% 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 Tajikistan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 47% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 53% said that they have everything under control.

Struggles with finance47%

Easily manages finances53%

Financial goals and targets of couples living in Tajikistan

Financial goals of couples in Tajikistan

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


Financial Goal% People
Emergency Fund8%
Debt Reduction40%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses13%
Financial Independence6%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 40% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 13% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of couples who are in debt in Tajikistan

Debt, loans, and mortgages in Tajikistan


Percentage of couples who are in debt


In Debt
32%
Debt Free
68%

According to the survey, 32% of the couples in Tajikistan have some kind of debt, loan, mortgage, or credit card payments while 68% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Tajikistan

Debt-to-income ratio in Tajikistan

Debt to income ratio

31%

23% to 40%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 31% of a couple's monthly income in Tajikistan goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

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

According to our data, 3% of the debtors in Tajikistan pay 60%+ of their income as debt settlement while 17% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Tajikistan

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

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


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 Tajikistan

Besides measuring the loan-to-income ratio, we asked couples of Tajikistan how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never51%
Once a year23%
Twice a year12%
Three times a year9%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Tajikistan

Housing costs, accommodation, and housing affordability in Tajikistan

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


Rent Cost in Tajikistan

Monthly Rent Prices

Studio apartment monthly rent cost

970 TJS 1,500 TJS 3,900 TJS
MINIMUM AVERAGE MAXIMUM
$89 $130 $360

1-bedroom apartment monthly rent cost

1,500 TJS 2,300 TJS 5,800 TJS
MINIMUM AVERAGE MAXIMUM
$130 $210 $530

2-bedroom apartment monthly rent cost

1,900 TJS 2,900 TJS 7,800 TJS
MINIMUM AVERAGE MAXIMUM
$180 $270 $710

3-bedroom apartment monthly rent cost

2,300 TJS 3,900 TJS 11,000 TJS
MINIMUM AVERAGE MAXIMUM
$210 $360 $970

Furnished apartment monthly rent cost

4,700 TJS 12,000 TJS 23,000 TJS
MINIMUM AVERAGE MAXIMUM
$430 $1,100 $2,100

Townhouse monthly rent cost

3,900 TJS 5,800 TJS 17,000 TJS
MINIMUM AVERAGE MAXIMUM
$360 $530 $1,500

House monthly rent cost

4,700 TJS 12,000 TJS 23,000 TJS
MINIMUM AVERAGE MAXIMUM
$430 $1,100 $2,100

Villa monthly rent cost

5,800 TJS 15,000 TJS 23,000 TJS
MINIMUM AVERAGE MAXIMUM
$530 $1,300 $2,100

The monthly rental cost of a studio apartment in Tajikistan ranges between 970 TJS and 3,900 TJS, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,500 TJS to 5,800 TJS. Two-bedroom rentals rate ranges between 1,900 TJS and 7,800 TJS per month. The monthly rental for a three-bedroom apartment ranges from 2,300 TJS to 11,000 TJS. The average rent of a townhouse in Tajikistan is around 5,800 TJS while house rental costs can be as high as 12,000 TJS per month. Finally, if you want to rent a villa, expect to pay anywhere from 5,800 TJS to 23,000 TJS per month.



Apartment and house prices in Tajikistan

Cost of buying a property

Studio apartment price

190,000 TJS 290,000 TJS 580,000 TJS
MINIMUM AVERAGE MAXIMUM
$18,000 $27,000 $53,000

1-bedroom apartment price

230,000 TJS 390,000 TJS 1.5M TJS
MINIMUM AVERAGE MAXIMUM
$21,000 $36,000 $130,000

2-bedroom apartment price

390,000 TJS 1.2M TJS 2.3M TJS
MINIMUM AVERAGE MAXIMUM
$36,000 $110,000 $210,000

3-bedroom apartment price

1.3M TJS 1.9M TJS 5.8M TJS
MINIMUM AVERAGE MAXIMUM
$120,000 $180,000 $530,000

Townhouse price

1.7M TJS 3.9M TJS 15M TJS
MINIMUM AVERAGE MAXIMUM
$150,000 $360,000 $1.3M

House price

1.9M TJS 12M TJS 17M TJS
MINIMUM AVERAGE MAXIMUM
$180,000 $1.1M $1.5M

Villa price

2.3M TJS 13M TJS 19M TJS
MINIMUM AVERAGE MAXIMUM
$210,000 $1.2M $1.8M

The average price of a studio apartment in Tajikistan can range from 190,000 TJS to 580,000 TJS depending on location. One bedroom cost can be anywhere from 230,000 TJS to 1.5M TJS. A villa can cost you 13M TJS on average with prices ranging from 2.3M TJS to 19M TJS.


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


33 x92 monthly income 195
MINIMUM AVERAGE MAXIMUM

Property prices in Tajikistan can be x92 to x195 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x92 multiples of the average monthly salary in Tajikistan.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


19% 29% of income 39%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Tajikistan is around 29%. This means that people pay 29% of their income for rent. Those figures can range from 19% to 39% 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
27%

Property Taxes

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


FROM
1.9%
AVERAGE
2.9%
TO
3.9%

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.


17 TJS 230 TJS 2,300 TJS
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 Tajikistan

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

170 TJS 590 TJS 3,800 TJS
MINIMUM AVERAGE MAXIMUM
$16 $54 $350

Internet and cable cost

58 TJS 120 TJS 160 TJS
MINIMUM AVERAGE MAXIMUM
$5.3 $11 $14

Mobile phone bill and charges

47 TJS 78 TJS 230 TJS
MINIMUM AVERAGE MAXIMUM
$4.3 $7.1 $21

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 590 TJS. The cost of internet and WiFi ranges from 58 TJS to 160 TJS with 120 TJS being the average internet bill. Finally, the average monthly mobile charges is around 78 TJS but can range between 47 TJS and 230 TJS 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 Tajikistan 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 Tajikistan

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


Prices and cost of goods and services in Tajikistan

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

Fast food combo meal price

12 TJS 23 TJS 39 TJS
MINIMUM AVERAGE MAXIMUM
$1.1 $2.1 $3.6

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Tajikistan is approximatly 23 TJS with meal cost ranging from 12 TJS to 39 TJS. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

39 TJS 58 TJS 120 TJS
MINIMUM AVERAGE MAXIMUM
$3.6 $5.3 $11

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 39 TJS and 120 TJS with 58 TJS being the average price of a plate for one person at a regular restaurant in Tajikistan.

Fine dining meal for one price

78 TJS 120 TJS 470 TJS
MINIMUM AVERAGE MAXIMUM
$7.1 $11 $43

The price range of a meal at fine-dining restaurant is 78 TJS to 470 TJS with the average cost being 120 TJS for one person. This is what you would expect to pay a top-tier diner in Tajikistan.

Beverage prices, cappuccino, latte etc..

9.7 TJS 16 TJS 23 TJS
MINIMUM AVERAGE MAXIMUM
$0.89 $1.4 $2.1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Tajikistan is around 16 TJS. Price ranges between 9.7 TJS and 23 TJS depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

7.8 TJS 9.4 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.71 $0.85 $1.1

The average price of a large bottle of milk in Tajikistan is 9.4 TJS. The maximum what you would pay for milk is 12 TJS and the minimum being 7.8 TJS depending on the brand of milk and other properties.

12 eggs price

5.8 TJS 7.8 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.53 $0.71 $1.1

A dozen eggs costs around 7.8 TJS on average with 5.8 TJS and 12 TJS being the lower and upper limits respectively.

Fresh whole chicken price

13 TJS 17 TJS 24 TJS
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.2

The price range of a fresh whole chicken in Tajikistan is between 13 TJS and 24 TJS depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 17 TJS.

Pack of beef price

16 TJS 23 TJS 47 TJS
MINIMUM AVERAGE MAXIMUM
$1.4 $2.1 $4.3

The price of a regular pack of beef or meat is around 23 TJS. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

6.3 TJS 8.6 TJS 12 TJS
MINIMUM AVERAGE MAXIMUM
$0.57 $0.79 $1.1

A bag of rice in Tajikistan costs around 8.6 TJS on average with prices rangeing between 6.3 TJS and 12 TJS depending on the brand and quality.

Bag of tomatos price

2.3 TJS 3.1 TJS 5.8 TJS
MINIMUM AVERAGE MAXIMUM
$0.21 $0.28 $0.53

A bag of tomatoes costs anywhere from 2.3 TJS to 5.8 TJS. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

4.2 TJS 5.5 TJS 9 TJS
MINIMUM AVERAGE MAXIMUM
$0.38 $0.50 $0.82

A bag of apples costs 5.5 TJS 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 Tajikistan 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 610 TJS to 9,800 TJS with the location, income, and size of the couple being the most determinite factors.

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