Cost Of Living For a Couple in Tianjin 2025

Average monthly spending for couples in Tianjin

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

Couples in Tianjin spend around 14,000 CNY per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 4,600 CNY or as high as 74,000 CNY. Location and income are very important factors and have a huge influence on expenditure and budget.

Couple expenditure to income ratio in Tianjin

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

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%.

Couples in Tianjin spend around 68% of their monthly income. Some couples spend as low as 61% of their income while some as high as 75%.

How do couples spend their money in Tianjin?

We asked thousands of couples about their spending habits and expenditure break down.

Housing and accomodation expenditure for couples

Couples in Tianjin typically spend from 19% to 36% of their total monthly expenditure on housing with 26% being the average. The average monthly spend on housing is 4,700 CNY with expenditure ranging from 1,600 CNY to 25,000 CNY. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for couples

Utility expenditure like electricity, water, and gas in Tianjin ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 620 CNY with 190 CNY and 4,100 CNY being the upper and lower limits for a couple of four.

Transport, fuel, and commute expenditure for couples

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 560 CNY to 8,900 CNY in a month on commuting with 1,700 CNY 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

The average outlay on groceries and basic houshold items for a typical couple in a month in Tianjin is 1,900 CNY. The cost of groceries can range between 650 CNY to 10,000 CNY. 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

Couples in Tianjin 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 510 CNY to 8,100 CNY with 1,500 CNY being the norm for most couples.

Leisure and shopping expenditure for couples

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 280 CNY to 4,400 CNY with 830 CNY 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

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 280 CNY per month with 93 CNY being the minimum spent amount and 1,500 CNY being the maximum.

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

Percentage of couples that reported their ability to save money

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

How much money do couples manage to add to their savings?

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples that are able to save money can put anywhere from 9.2% to 26% 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 4,900 CNY with 1,600 CNY and 26,000 CNY being the minimum and maximum respectively.

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

Typical saving choices for couples in Tianjin

Where do people choose to put their savings?

Saving Challenges in Tianjin

Reasons that make it difficult for couples to save money

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

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. 12% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 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.

Low-cost alternatives in Tianjin

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 options48%

Few low-cost options52%

Based on the survey, 48% of the couples living in Tianjin have no problem finding low-cost alternatives to support a frugal lifestyle while 52% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Affordable living in Tianjin

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Tianjin?

Around 53% of surveyed couples think that living in Tianjin is affordable with proper budgeting while 47% reported that it is just too expensive and not affordable even with frugality and thriftness.

Emergency Funds For Couples

An emergency fund is a financial safety net comprised of easily accessible savings set aside to cover unexpected expenses or financial emergencies, typically amounting to three to six months' worth of living expenses. We asked couples whether they have an emergency fund and the answers were as follows.

Yes52%

No48%

Based on the survey, 48% of the couples living in Tianjin said that they don't have an emergency fund while 52% said that they do.

Financial Literacy in

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

Financial Leteracy59%

We asked couple guardians and parents in Tianjin whether they acquired any adequate personal financial training in their lives. Approximately 41% 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 59% said that they know about the general principles of personal finance from sources other than their own experience.

Difficulty in Budgeting and Financial Planning

We wanted to understand whether couples of have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 37% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 63% said that they have everything under control.

Struggles with finance37%

Easily manages finances63%

Debt, loans, and mortgages in Tianjin

Percentage of couples who are in debt

According to the survey, 23% of the couples in Tianjin have some kind of debt, loan, mortgage, or credit card payments while 77% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Tianjin

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 25% of a couple's monthly income in Tianjin goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Tianjin 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. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% 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 Tianjin

8% of debtors in Tianjin 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 Tianjin.

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 Tianjin

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

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

Financial goals of couples in Tianjin

In an attempt to understand the economic situation in Tianjin, 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.

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% 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. 6% 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.

Housing costs, accommodation, and housing affordability in Tianjin

Rent Cost in Tianjin

Monthly Rent Prices

Studio apartment monthly rent cost

1,000 CNY

1,600 CNY

4,200 CNY

MINIMUM

AVERAGE

MAXIMUM

$140

$220

$580

1-bedroom apartment monthly rent cost

1,600 CNY

2,500 CNY

6,300 CNY

MINIMUM

AVERAGE

MAXIMUM

$220

$350

$870

2-bedroom apartment monthly rent cost

2,100 CNY

3,100 CNY

8,400 CNY

MINIMUM

AVERAGE

MAXIMUM

$290

$430

$1,200

3-bedroom apartment monthly rent cost

2,500 CNY

4,200 CNY

11,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$350

$580

$1,600

Furnished apartment monthly rent cost

5,000 CNY

13,000 CNY

25,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$700

$1,700

$3,500

Townhouse monthly rent cost

4,200 CNY

6,300 CNY

18,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$580

$870

$2,500

House monthly rent cost

5,000 CNY

13,000 CNY

25,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$700

$1,700

$3,500

Villa monthly rent cost

6,300 CNY

16,000 CNY

25,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$870

$2,200

$3,500

The monthly rental cost of a studio apartment in Tianjin ranges between 1,000 CNY and 4,200 CNY, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,600 CNY to 6,300 CNY. Two-bedroom rentals rate ranges between 2,100 CNY and 8,400 CNY per month. The monthly rental for a three-bedroom apartment ranges from 2,500 CNY to 11,000 CNY. The average rent of a townhouse in Tianjin is around 6,300 CNY while house rental costs can be as high as 13,000 CNY per month. Finally, if you want to rent a villa, expect to pay anywhere from 6,300 CNY to 25,000 CNY per month.

Apartment and house prices in Tianjin

Cost of buying a property

Studio apartment price

210,000 CNY

310,000 CNY

630,000 CNY

MINIMUM

AVERAGE

MAXIMUM

$29,000

$43,000

$87,000

1-bedroom apartment price

250,000 CNY

420,000 CNY

1.6M CNY

MINIMUM

AVERAGE

MAXIMUM

$35,000

$58,000

$220,000

2-bedroom apartment price

420,000 CNY

1.3M CNY

2.5M CNY

MINIMUM

AVERAGE

MAXIMUM

$58,000

$170,000

$350,000

3-bedroom apartment price

1.4M CNY

2.1M CNY

6.3M CNY

MINIMUM

AVERAGE

MAXIMUM

$190,000

$290,000

$870,000

Townhouse price

1.8M CNY

4.2M CNY

16M CNY

MINIMUM

AVERAGE

MAXIMUM

$250,000

$580,000

$2.2M

House price

2.1M CNY

13M CNY

18M CNY

MINIMUM

AVERAGE

MAXIMUM

$290,000

$1.7M

$2.5M

Villa price

2.5M CNY

14M CNY

21M CNY

MINIMUM

AVERAGE

MAXIMUM

$350,000

$1.9M

$2.9M

The average price of a studio apartment in Tianjin can range from 210,000 CNY to 630,000 CNY depending on location. One bedroom cost can be anywhere from 250,000 CNY to 1.6M CNY. A villa can cost you 14M CNY on average with prices ranging from 2.5M CNY to 21M CNY.

House / apartment prices to income ratio

Property prices in Tianjin can be x88 to x170 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x88 multiples of the average monthly salary in Tianjin.

Rent to income ratio

The average rent-to-income ratio in Tianjin is around 25%. This means that people pay 25% of their income for rent. Those figures can range from 17% to 33% depending on the salary, location, and type of property.

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.

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.

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 Tianjin

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

Utility Bill Cost / Electricity + Water + Gas / Couple

190 CNY

620 CNY

4,100 CNY

MINIMUM

AVERAGE

MAXIMUM

$26

$87

$570

Internet and cable cost

72 CNY

140 CNY

190 CNY

MINIMUM

AVERAGE

MAXIMUM

$9.9

$20

$27

Mobile phone bill and charges

57 CNY

96 CNY

290 CNY

MINIMUM

AVERAGE

MAXIMUM

$8

$13

$40

The average monthly energy and water consumption of couples is around 620 CNY. The cost of internet and WiFi ranges from 72 CNY to 190 CNY with 140 CNY being the average internet bill. Finally, the average monthly mobile charges is around 96 CNY but can range between 57 CNY and 290 CNY depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Tianjin is around 5%. This means that people pay 5% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.5% to 8.4% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Tianjin

Prices and cost of goods and services in Tianjin

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

Fast food combo meal price

14 CNY

29 CNY

48 CNY

MINIMUM

AVERAGE

MAXIMUM

$2

$4

$6.6

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Tianjin is approximatly 29 CNY with meal cost ranging from 14 CNY to 48 CNY. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

45 CNY

67 CNY

130 CNY

MINIMUM

AVERAGE

MAXIMUM

$6.2

$9.3

$19

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 45 CNY and 130 CNY with 67 CNY being the average price of a plate for one person at a regular restaurant in Tianjin.

Fine dining meal for one price

90 CNY

130 CNY

540 CNY

MINIMUM

AVERAGE

MAXIMUM

$12

$19

$75

The price range of a meal at fine-dining restaurant is 90 CNY to 540 CNY with the average cost being 130 CNY for one person. This is what you would expect to pay a top-tier diner in Tianjin.

Beverage prices, cappuccino, latte etc..

12 CNY

19 CNY

29 CNY

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.7

$4

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Tianjin is around 19 CNY. Price ranges between 12 CNY and 29 CNY depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

9.6 CNY

11 CNY

14 CNY

MINIMUM

AVERAGE

MAXIMUM

$1.3

$1.6

$2

The average price of a large bottle of milk in Tianjin is 11 CNY. The maximum what you would pay for milk is 14 CNY and the minimum being 9.6 CNY depending on the brand of milk and other properties.

12 eggs price

7.2 CNY

9.6 CNY

14 CNY

MINIMUM

AVERAGE

MAXIMUM

$0.99

$1.3

$2

A dozen eggs costs around 9.6 CNY on average with 7.2 CNY and 14 CNY being the lower and upper limits respectively.

Fresh whole chicken price

16 CNY

21 CNY

30 CNY

MINIMUM

AVERAGE

MAXIMUM

$2.3

$2.9

$4.1

The price range of a fresh whole chicken in Tianjin is between 16 CNY and 30 CNY depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 21 CNY.

Pack of beef price

19 CNY

29 CNY

57 CNY

MINIMUM

AVERAGE

MAXIMUM

$2.7

$4

$8

The price of a regular pack of beef or meat is around 29 CNY. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

7.7 CNY

11 CNY

15 CNY

MINIMUM

AVERAGE

MAXIMUM

$1.1

$1.5

$2.1

A bag of rice in Tianjin costs around 11 CNY on average with prices rangeing between 7.7 CNY and 15 CNY depending on the brand and quality.

Bag of tomatos price

2.9 CNY

3.8 CNY

7.2 CNY

MINIMUM

AVERAGE

MAXIMUM

$0.40

$0.53

$0.99

A bag of tomatoes costs anywhere from 2.9 CNY to 7.2 CNY. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

5.1 CNY

6.7 CNY

11 CNY

MINIMUM

AVERAGE

MAXIMUM

$0.71

$0.93

$1.5

A bag of apples costs 6.7 CNY on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Tianjin is around 22%. This means that couples spend 22% of their income on grocery and basic household items. The expenditure can range from 15% to 27% depending on salary and location.

Expenditure on food and grocery for couples