Cost Of Living For a Couple in Uruguay 2025

Average monthly spending for couples in Uruguay

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

Couples in Uruguay spend around 100,000 UYU per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 34,000 UYU or as high as 540,000 UYU. Location and income are very important factors and have a huge influence on expenditure and budget.

Couple expenditure to income ratio in Uruguay

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

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 Uruguay spend around 81% of their monthly income. Some couples spend as low as 73% of their income while some as high as 89%.

How do couples spend their money in Uruguay?

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

Housing and accomodation expenditure for couples

Couples in Uruguay typically spend from 22% to 39% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 35,000 UYU with expenditure ranging from 12,000 UYU to 180,000 UYU. 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 Uruguay ranges from 5% to 11% of total expenses with 7% being the average for most couples. The average monthly cost of utilities is 4,600 UYU with 1,400 UYU and 30,000 UYU 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 4,100 UYU to 65,000 UYU in a month on commuting with 12,000 UYU being the norm for most couples. This means that money spent on transport constitutes about 10% of total spending on average but can go as low as 4% or as high as 15%.

Food, groceries, and basic shopping expenditure for couples

The average outlay on groceries and basic houshold items for a typical couple in a month in Uruguay is 14,000 UYU. The cost of groceries can range between 4,800 UYU to 76,000 UYU. Couples spend on average about 16% on food and groceries with upper and lower bounds of 11% and 21% respectively.

Healthcare and medical services expenditure for couples

Couples in Uruguay allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 3,700 UYU to 60,000 UYU with 11,000 UYU 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 2,000 UYU to 33,000 UYU with 6,100 UYU being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 4% for most couples.

Education and schooling expenditure for couples

Spending on education can vary drastically between different couples. On average, education constitutes 2% of the monthly expenditure of couples with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 2,000 UYU per month with 680 UYU being the minimum spent amount and 11,000 UYU being the maximum.

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

Percentage of couples that reported their ability to save money

Almost 56% of surveyed couples in Uruguay said that they can save some money at the end of each month while 44% 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 12% to 32% of their monthly income to their savings, with 21% being the average for most couples. The average monthly amount of money that couples can put aside is 33,000 UYU with 11,000 UYU and 180,000 UYU being the minimum and maximum respectively.

Saving Challenges in Uruguay

Reasons that make it difficult for couples to save money

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

Around 6% of the couples said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 16% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% of couples blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 12% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Typical saving choices for couples in Uruguay

Where do people choose to put their savings?

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

Affordable living in Uruguay

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Uruguay?

Around 55% of surveyed couples think that living in Uruguay is affordable with proper budgeting while 45% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Uruguay

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 options55%

Few low-cost options45%

Based on the survey, 55% of the couples living in Uruguay have no problem finding low-cost alternatives to support a frugal lifestyle while 45% 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 Uruguay whether they have an emergency fund and the answers were as follows.

Yes52%

No48%

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

Financial Literacy in Uruguay

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 Leteracy50%

We asked couple guardians and parents in Uruguay whether they acquired any adequate personal financial training in their lives. Approximately 50% 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 50% 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 Uruguay have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 49% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 51% said that they have everything under control.

Struggles with finance49%

Easily manages finances51%

Financial goals of couples in Uruguay

In an attempt to understand the economic situation in Uruguay, 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 7% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 36% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 9% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 11% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Debt, loans, and mortgages in Uruguay

Percentage of couples who are in debt

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

Debt-to-income ratio in Uruguay

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 30% of a couple's monthly income in Uruguay goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Uruguay pay 60%+ of their income as debt settlement while 14% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% dedicated 30% to 40% of income for same. Things are looking brighter for 13% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Uruguay

11% of debtors in Uruguay confirm that real estate mortgages constitutes the main part of their outstanding debt while 27% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 20% of people and personal loans rose at 39%. Lastly, student loans are the main source of debt for 3% of debtors in Uruguay.

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 Uruguay

Besides measuring the loan-to-income ratio, we asked couples of Uruguay 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.

Housing costs, accommodation, and housing affordability in Uruguay

Rent Cost in Uruguay

Monthly Rent Prices

Studio apartment monthly rent cost

7,500 UYU

11,000 UYU

30,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$190

$290

$770

1-bedroom apartment monthly rent cost

11,000 UYU

18,000 UYU

45,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$290

$460

$1,200

2-bedroom apartment monthly rent cost

15,000 UYU

23,000 UYU

60,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$390

$580

$1,500

3-bedroom apartment monthly rent cost

18,000 UYU

30,000 UYU

82,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$460

$770

$2,100

Furnished apartment monthly rent cost

36,000 UYU

90,000 UYU

180,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$920

$2,300

$4,600

Townhouse monthly rent cost

30,000 UYU

45,000 UYU

130,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$770

$1,200

$3,300

House monthly rent cost

36,000 UYU

90,000 UYU

180,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$920

$2,300

$4,600

Villa monthly rent cost

45,000 UYU

110,000 UYU

180,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$1,200

$2,900

$4,600

The monthly rental cost of a studio apartment in Uruguay ranges between 7,500 UYU and 30,000 UYU, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 11,000 UYU to 45,000 UYU. Two-bedroom rentals rate ranges between 15,000 UYU and 60,000 UYU per month. The monthly rental for a three-bedroom apartment ranges from 18,000 UYU to 82,000 UYU. The average rent of a townhouse in Uruguay is around 45,000 UYU while house rental costs can be as high as 90,000 UYU per month. Finally, if you want to rent a villa, expect to pay anywhere from 45,000 UYU to 180,000 UYU per month.

Apartment and house prices in Uruguay

Cost of buying a property

Studio apartment price

1.5M UYU

2.3M UYU

4.5M UYU

MINIMUM

AVERAGE

MAXIMUM

$39,000

$58,000

$120,000

1-bedroom apartment price

1.8M UYU

3M UYU

11M UYU

MINIMUM

AVERAGE

MAXIMUM

$46,000

$77,000

$290,000

2-bedroom apartment price

3M UYU

9M UYU

18M UYU

MINIMUM

AVERAGE

MAXIMUM

$77,000

$230,000

$460,000

3-bedroom apartment price

10M UYU

15M UYU

45M UYU

MINIMUM

AVERAGE

MAXIMUM

$260,000

$390,000

$1.2M

Townhouse price

13M UYU

30M UYU

110M UYU

MINIMUM

AVERAGE

MAXIMUM

$330,000

$770,000

$2.9M

House price

15M UYU

90M UYU

130M UYU

MINIMUM

AVERAGE

MAXIMUM

$390,000

$2.3M

$3.3M

Villa price

18M UYU

100M UYU

150M UYU

MINIMUM

AVERAGE

MAXIMUM

$460,000

$2.6M

$3.9M

The average price of a studio apartment in Uruguay can range from 1.5M UYU to 4.5M UYU depending on location. One bedroom cost can be anywhere from 1.8M UYU to 11M UYU. A villa can cost you 100M UYU on average with prices ranging from 18M UYU to 150M UYU.

House / apartment prices to income ratio

Property prices in Uruguay can be x106 to x204 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x106 multiples of the average monthly salary in Uruguay.

Rent to income ratio

The average rent-to-income ratio in Uruguay is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 21% to 41% 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 Uruguay

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

Utility Bill Cost / Electricity + Water + Gas / Couple

1,400 UYU

4,600 UYU

30,000 UYU

MINIMUM

AVERAGE

MAXIMUM

$35

$120

$770

Internet and cable cost

450 UYU

900 UYU

1,200 UYU

MINIMUM

AVERAGE

MAXIMUM

$12

$23

$31

Mobile phone bill and charges

360 UYU

600 UYU

1,800 UYU

MINIMUM

AVERAGE

MAXIMUM

$9.2

$15

$46

The average monthly energy and water consumption of couples is around 4,600 UYU. The cost of internet and WiFi ranges from 450 UYU to 1,200 UYU with 900 UYU being the average internet bill. Finally, the average monthly mobile charges is around 600 UYU but can range between 360 UYU and 1,800 UYU 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 Uruguay 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 Uruguay

Prices and cost of goods and services in Uruguay

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

Fast food combo meal price

90 UYU

180 UYU

300 UYU

MINIMUM

AVERAGE

MAXIMUM

$2.3

$4.6

$7.7

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Uruguay is approximatly 180 UYU with meal cost ranging from 90 UYU to 300 UYU. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

300 UYU

450 UYU

900 UYU

MINIMUM

AVERAGE

MAXIMUM

$7.7

$12

$23

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 300 UYU and 900 UYU with 450 UYU being the average price of a plate for one person at a regular restaurant in Uruguay.

Fine dining meal for one price

600 UYU

900 UYU

3,600 UYU

MINIMUM

AVERAGE

MAXIMUM

$15

$23

$92

The price range of a meal at fine-dining restaurant is 600 UYU to 3,600 UYU with the average cost being 900 UYU for one person. This is what you would expect to pay a top-tier diner in Uruguay.

Beverage prices, cappuccino, latte etc..

75 UYU

120 UYU

180 UYU

MINIMUM

AVERAGE

MAXIMUM

$1.9

$3.1

$4.6

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Uruguay is around 120 UYU. Price ranges between 75 UYU and 180 UYU depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

60 UYU

72 UYU

90 UYU

MINIMUM

AVERAGE

MAXIMUM

$1.5

$1.8

$2.3

The average price of a large bottle of milk in Uruguay is 72 UYU. The maximum what you would pay for milk is 90 UYU and the minimum being 60 UYU depending on the brand of milk and other properties.

12 eggs price

45 UYU

60 UYU

90 UYU

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.5

$2.3

A dozen eggs costs around 60 UYU on average with 45 UYU and 90 UYU being the lower and upper limits respectively.

Fresh whole chicken price

100 UYU

130 UYU

190 UYU

MINIMUM

AVERAGE

MAXIMUM

$2.6

$3.4

$4.8

The price range of a fresh whole chicken in Uruguay is between 100 UYU and 190 UYU depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 130 UYU.

Pack of beef price

120 UYU

180 UYU

360 UYU

MINIMUM

AVERAGE

MAXIMUM

$3.1

$4.6

$9.2

The price of a regular pack of beef or meat is around 180 UYU. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

48 UYU

66 UYU

94 UYU

MINIMUM

AVERAGE

MAXIMUM

$1.2

$1.7

$2.4

A bag of rice in Uruguay costs around 66 UYU on average with prices rangeing between 48 UYU and 94 UYU depending on the brand and quality.

Bag of tomatos price

18 UYU

24 UYU

45 UYU

MINIMUM

AVERAGE

MAXIMUM

$0.46

$0.62

$1.2

A bag of tomatoes costs anywhere from 18 UYU to 45 UYU. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

32 UYU

42 UYU

69 UYU

MINIMUM

AVERAGE

MAXIMUM

$0.83

$1.1

$1.8

A bag of apples costs 42 UYU 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 Uruguay is around 26%. This means that couples spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 32% depending on salary and location.

Expenditure on food and grocery for couples