Cost Of Living For a Couple in Vitebsk 2024

Couple cost of living chart - average monthly expenditure in Vitebsk

Average Monthly Expenditure

Currency: BYN
1,100 3,400 18,000
MINIMUM AVERAGE MAXIMUM
$350 $1,000 $5,600

Average monthly spending for couples in Vitebsk

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

Couples in Vitebsk spend around 3,400 BYN per month on average. Depending on the lifestyle, a couple can survive with a monthly budget as low as 1,100 BYN or as high as 18,000 BYN. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Vitebsk


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

Dining, food, and beverages costs


Fast food combo meal

2.9 BYN 5.8 BYN 9.7 BYN
MINIMUM AVERAGE MAXIMUM
$0.89 $1.8 $3

Restaurant meal for one

9.9 BYN 15 BYN 30 BYN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $9.1

Fine dining meal for one

20 BYN 30 BYN 120 BYN
MINIMUM AVERAGE MAXIMUM
$6 $9.1 $36

Cappuccino or latte

2.4 BYN 3.9 BYN 5.8 BYN
MINIMUM AVERAGE MAXIMUM
$0.74 $1.2 $1.8

Grocery and market costs


Milk large bottle

1.9 BYN 2.3 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.59 $0.71 $0.89

12 eggs

1.5 BYN 1.9 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.44 $0.59 $0.89

Fresh whole chicken

3.3 BYN 4.3 BYN 6 BYN
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.9

Pack of beef

3.9 BYN 5.8 BYN 12 BYN
MINIMUM AVERAGE MAXIMUM
$1.2 $1.8 $3.6

Medium bag of rice

1.6 BYN 2.1 BYN 3 BYN
MINIMUM AVERAGE MAXIMUM
$0.48 $0.65 $0.93

Bag of tomatos

0.58 BYN 0.77 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.44

Bag of apples

1 BYN 1.4 BYN 2.2 BYN
MINIMUM AVERAGE MAXIMUM
$0.32 $0.42 $0.68
Chart showing the prices and cost of commute, travel, and transportation in Vitebsk


Commute, travel, and transportation costs


20 minutes taxi ride

2.5 BYN 3 BYN 5.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.75 $0.91 $1.8

Average car full tank

14 BYN 19 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.4 $5.9 $12

Average car 1-day rental

15 BYN 20 BYN 30 BYN
MINIMUM AVERAGE MAXIMUM
$4.6 $6.2 $9.2

Average car price

7,200 BYN 14,000 BYN 19,000 BYN
MINIMUM AVERAGE MAXIMUM
$2,200 $4,400 $5,900

Bus ticket one way

0.50 BYN 0.75 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.15 $0.23 $0.46

Car Service

20 BYN 30 BYN 60 BYN
MINIMUM AVERAGE MAXIMUM
$6.2 $9.2 $18
Chart showing the prices and cost of utility, energy, water, and gas in Vitebsk


Utility cost (monthly)


Utility Bill - Couple

45 BYN 150 BYN 1,000 BYN
MINIMUM AVERAGE MAXIMUM
$14 $47 $310

Internet and cable

14 BYN 29 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.4 $8.9 $12

Mobile phone charges

12 BYN 19 BYN 58 BYN
MINIMUM AVERAGE MAXIMUM
$3.6 $5.9 $18

Leisure and activities costs


Movie ticket

7.3 BYN 9.7 BYN 14 BYN
MINIMUM AVERAGE MAXIMUM
$2.2 $3 $4.4

One month gym membership

24 BYN 30 BYN 60 BYN
MINIMUM AVERAGE MAXIMUM
$7.4 $9.2 $18
Chart showing the prices and cost of clothing and accessories in Vitebsk


Cloths and accessories costs


Pair of jeans or pants

18 BYN 25 BYN 38 BYN
MINIMUM AVERAGE MAXIMUM
$5.4 $7.7 $12

Woman dress

17 BYN 23 BYN 75 BYN
MINIMUM AVERAGE MAXIMUM
$5.1 $7.1 $23

Woman shoes

16 BYN 22 BYN 50 BYN
MINIMUM AVERAGE MAXIMUM
$4.9 $6.6 $15

Men's shoes

14 BYN 17 BYN 34 BYN
MINIMUM AVERAGE MAXIMUM
$4.2 $5.1 $10

Men suit

15 BYN 19 BYN 100 BYN
MINIMUM AVERAGE MAXIMUM
$4.6 $5.8 $31

Regular t-shirt

7.5 BYN 10 BYN 30 BYN
MINIMUM AVERAGE MAXIMUM
$2.3 $3.1 $9.2
Chart showing the prices and cost of housing, accommodation, and rent in Vitebsk


Housing costs / monthly rent


Studio apartment

250 BYN 380 BYN 1,000 BYN
MINIMUM AVERAGE MAXIMUM
$77 $120 $310

1-bedroom apartment

380 BYN 600 BYN 1,500 BYN
MINIMUM AVERAGE MAXIMUM
$120 $180 $460

2-bedroom apartment

500 BYN 750 BYN 2,000 BYN
MINIMUM AVERAGE MAXIMUM
$150 $230 $620

Housing costs / Buying


Studio apartment

50,000 BYN 75,000 BYN 150,000 BYN
MINIMUM AVERAGE MAXIMUM
$15,000 $23,000 $46,000

1-bedroom apartment

60,000 BYN 100,000 BYN 380,000 BYN
MINIMUM AVERAGE MAXIMUM
$18,000 $31,000 $120,000

2-bedroom apartment

100,000 BYN 300,000 BYN 600,000 BYN
MINIMUM AVERAGE MAXIMUM
$31,000 $92,000 $180,000
Chart showing the prices and cost of furniture in Vitebsk


Furniture Costs


King Size Bed

290 BYN 360 BYN 480 BYN
MINIMUM AVERAGE MAXIMUM
$89 $110 $150

Double Bed

190 BYN 290 BYN 360 BYN
MINIMUM AVERAGE MAXIMUM
$59 $89 $110

Single Bed

170 BYN 220 BYN 290 BYN
MINIMUM AVERAGE MAXIMUM
$52 $68 $89

Living Room

320 BYN 410 BYN 1,400 BYN
MINIMUM AVERAGE MAXIMUM
$99 $130 $440

Dining Table

140 BYN 190 BYN 360 BYN
MINIMUM AVERAGE MAXIMUM
$44 $59 $110

Sofa or Couch

190 BYN 260 BYN 580 BYN
MINIMUM AVERAGE MAXIMUM
$59 $81 $180
Chart showing the prices and cost of electronic devices and appliances in Vitebsk


Electronics and House Appliance Costs


TV Set

190 BYN 290 BYN 580 BYN
MINIMUM AVERAGE MAXIMUM
$59 $89 $180

Fridge or Freezer

170 BYN 260 BYN 360 BYN
MINIMUM AVERAGE MAXIMUM
$52 $81 $110

Washing Machine

220 BYN 320 BYN 580 BYN
MINIMUM AVERAGE MAXIMUM
$68 $99 $180

Stove or Cooker

210 BYN 260 BYN 360 BYN
MINIMUM AVERAGE MAXIMUM
$63 $81 $110

Mobile Phone

240 BYN 290 BYN 410 BYN
MINIMUM AVERAGE MAXIMUM
$74 $89 $130

Laptop or Computer

260 BYN 320 BYN 580 BYN
MINIMUM AVERAGE MAXIMUM
$81 $99 $180
Couple cost of living and expenditure to income ratio in Vitebsk

Couple expenditure to income ratio in Vitebsk

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

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 91%

( expenditure / income ) x 100


Couples in Vitebsk spend around 82% of their monthly income. Some couples spend as low as 74% of their income while some as high as 91%.

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

How do couples spend their money in Vitebsk?

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$120   390 BYN
AVERAGE$350   1,200 BYN
HIGH$1,900   6,200 BYN
Per Month

Couples in Vitebsk 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 1,200 BYN with expenditure ranging from 390 BYN to 6,200 BYN. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Cost of utilities8%

8% of total expenses on average (6% to 12%)

LOW$14   45 BYN
AVERAGE$47   150 BYN
HIGH$310   1,000 BYN
Per Month

Utility expenditure like electricity, water, and gas in Vitebsk ranges from 6% to 12% of total expenses with 8% being the average for most couples. The average monthly cost of utilities is 150 BYN with 45 BYN and 1,000 BYN 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$42   140 BYN
AVERAGE$130   410 BYN
HIGH$670   2,200 BYN
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 140 BYN to 2,200 BYN in a month on commuting with 410 BYN 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$49   160 BYN
AVERAGE$150   480 BYN
HIGH$780   2,500 BYN
Per Month

The average outlay on groceries and basic houshold items for a typical couple in a month in Vitebsk is 480 BYN. The cost of groceries can range between 160 BYN to 2,500 BYN. 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$38   120 BYN
AVERAGE$110   370 BYN
HIGH$610   2,000 BYN
Per Month

Couples in Vitebsk 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 120 BYN to 2,000 BYN with 370 BYN being the norm for most couples.

Leisure and shopping expenditure for couples

Cost of leisure and shopping3%

3% of total expenses on average (1% to 6%)

LOW$21   68 BYN
AVERAGE$63   200 BYN
HIGH$330   1,100 BYN
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 68 BYN to 1,100 BYN with 200 BYN being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 3% for most couples.

Education and schooling expenditure for couples

Cost of education and schooling1%

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

LOW$7   23 BYN
AVERAGE$21   68 BYN
HIGH$110   360 BYN
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 68 BYN per month with 23 BYN being the minimum spent amount and 360 BYN being the maximum.

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$59   190 BYN
AVERAGE$180   580 BYN
HIGH$950   3,100 BYN
Per Month
Percentage of couples who manage to save money from their income every month in Vitebsk

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


Percentage of couples that reported their ability to save money


Saving Money
58%
Not Saving
42%

Almost 58% of surveyed couples in Vitebsk said that they can save some money at the end of each month while 42% reported that they have to utilize their whole income to survive.


Couple savings to income ratio in Vitebsk

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

13% 23% of income 34%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

370 BYN
$110
1,100 BYN
$340
6,000 BYN
$1,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%36%
10% - 20%27%
20% - 30%19%
30% - 40%8%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples that are able to save money can put anywhere from 13% to 34% of their monthly income to their savings, with 23% being the average for most couples. The average monthly amount of money that couples can put aside is 1,100 BYN with 370 BYN and 6,000 BYN being the minimum and maximum respectively.

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

Saving Challenges in Vitebsk

Reasons that make it difficult for couples to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending11%
Financial Emergencies7%
Living the moment5%
Will do it later21%
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. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of couples blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do couples choose to put their savings in Vitebsk

Typical saving choices for couples in Vitebsk

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
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 Vitebsk

Affordable living in Vitebsk

Income and cost of living compatibility

We asked couples one simple question and recorded their answers.

Is it affordable or economical to live in Vitebsk?


Yes
61%
No
40%

Around 61% of surveyed couples think that living in Vitebsk is affordable with proper budgeting while 40% 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 Vitebsk

Low-cost alternatives in Vitebsk

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 options61%

Few low-cost options40%


Based on the survey, 61% of the couples living in Vitebsk have no problem finding low-cost alternatives to support a frugal lifestyle while 40% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Couples

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

Yes61%

No40%


Based on the survey, 40% of the couples living in Vitebsk said that they don't have an emergency fund while 61% said that they do.

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

Financial Literacy in Belarus

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 Leteracy54%


We asked couple guardians and parents in Vitebsk whether they acquired any adequate personal financial training in their lives. Approximately 46% 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 54% 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 Belarus have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 36% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 64% said that they have everything under control.

Struggles with finance36%

Easily manages finances64%

Financial goals and targets of couples living in Vitebsk

Financial goals of couples in Vitebsk

In an attempt to understand the economic situation in Vitebsk, 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 Reduction42%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses14%
Financial Independence5%

Around 8% of couples said that their main goal is to establish an emergency fund to cover unexpected expenses while 42% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

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

Debt, loans, and mortgages in Vitebsk


Percentage of couples who are in debt


In Debt
26%
Debt Free
74%

According to the survey, 26% of the couples in Vitebsk have some kind of debt, loan, mortgage, or credit card payments while 74% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Vitebsk

Debt-to-income ratio in Vitebsk

Debt to income ratio

30%

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


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%18%
40% - 50%14%
30% - 40%16%
20% - 30%10%
10% - 20%12%
0% - 10%26%

According to our data, 3% of the debtors in Vitebsk pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Vitebsk

Debt% People
Real Estate Mortgage8%
Auto Loan15%
Student Loan4%
Credit Card30%
Personal Loan43%

8% of debtors in Vitebsk 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 Vitebsk.


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 Vitebsk

Besides measuring the loan-to-income ratio, we asked couples of Vitebsk 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
Never50%
Once a year24%
Twice a year13%
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 Vitebsk

Housing costs, accommodation, and housing affordability in Vitebsk

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


Rent Cost in Vitebsk

Monthly Rent Prices

Studio apartment monthly rent cost

250 BYN 380 BYN 1,000 BYN
MINIMUM AVERAGE MAXIMUM
$77 $120 $310

1-bedroom apartment monthly rent cost

380 BYN 600 BYN 1,500 BYN
MINIMUM AVERAGE MAXIMUM
$120 $180 $460

2-bedroom apartment monthly rent cost

500 BYN 750 BYN 2,000 BYN
MINIMUM AVERAGE MAXIMUM
$150 $230 $620

3-bedroom apartment monthly rent cost

600 BYN 1,000 BYN 2,700 BYN
MINIMUM AVERAGE MAXIMUM
$180 $310 $840

Furnished apartment monthly rent cost

1,200 BYN 3,000 BYN 6,000 BYN
MINIMUM AVERAGE MAXIMUM
$370 $920 $1,800

Townhouse monthly rent cost

1,000 BYN 1,500 BYN 4,300 BYN
MINIMUM AVERAGE MAXIMUM
$310 $460 $1,300

House monthly rent cost

1,200 BYN 3,000 BYN 6,000 BYN
MINIMUM AVERAGE MAXIMUM
$370 $920 $1,800

Villa monthly rent cost

1,500 BYN 3,800 BYN 6,000 BYN
MINIMUM AVERAGE MAXIMUM
$460 $1,200 $1,800

The monthly rental cost of a studio apartment in Vitebsk ranges between 250 BYN and 1,000 BYN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 380 BYN to 1,500 BYN. Two-bedroom rentals rate ranges between 500 BYN and 2,000 BYN per month. The monthly rental for a three-bedroom apartment ranges from 600 BYN to 2,700 BYN. The average rent of a townhouse in Vitebsk is around 1,500 BYN while house rental costs can be as high as 3,000 BYN per month. Finally, if you want to rent a villa, expect to pay anywhere from 1,500 BYN to 6,000 BYN per month.



Apartment and house prices in Vitebsk

Cost of buying a property

Studio apartment price

50,000 BYN 75,000 BYN 150,000 BYN
MINIMUM AVERAGE MAXIMUM
$15,000 $23,000 $46,000

1-bedroom apartment price

60,000 BYN 100,000 BYN 380,000 BYN
MINIMUM AVERAGE MAXIMUM
$18,000 $31,000 $120,000

2-bedroom apartment price

100,000 BYN 300,000 BYN 600,000 BYN
MINIMUM AVERAGE MAXIMUM
$31,000 $92,000 $180,000

3-bedroom apartment price

340,000 BYN 500,000 BYN 1.5M BYN
MINIMUM AVERAGE MAXIMUM
$100,000 $150,000 $460,000

Townhouse price

430,000 BYN 1M BYN 3.8M BYN
MINIMUM AVERAGE MAXIMUM
$130,000 $310,000 $1.2M

House price

500,000 BYN 3M BYN 4.3M BYN
MINIMUM AVERAGE MAXIMUM
$150,000 $920,000 $1.3M

Villa price

600,000 BYN 3.4M BYN 5M BYN
MINIMUM AVERAGE MAXIMUM
$180,000 $1M $1.5M

The average price of a studio apartment in Vitebsk can range from 50,000 BYN to 150,000 BYN depending on location. One bedroom cost can be anywhere from 60,000 BYN to 380,000 BYN. A villa can cost you 3.4M BYN on average with prices ranging from 600,000 BYN to 5M BYN.


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


39 x113 monthly income 211
MINIMUM AVERAGE MAXIMUM

Property prices in Vitebsk can be x113 to x211 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x113 multiples of the average monthly salary in Vitebsk.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


22% 32% of income 42%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Vitebsk is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% to 42% 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
29%

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
2.1%
AVERAGE
3.1%
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.


4.5 BYN 59 BYN 590 BYN
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 Vitebsk

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Couple

45 BYN 150 BYN 1,000 BYN
MINIMUM AVERAGE MAXIMUM
$14 $47 $310

Internet and cable cost

14 BYN 29 BYN 39 BYN
MINIMUM AVERAGE MAXIMUM
$4.4 $8.9 $12

Mobile phone bill and charges

12 BYN 19 BYN 58 BYN
MINIMUM AVERAGE MAXIMUM
$3.6 $5.9 $18

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 150 BYN. The cost of internet and WiFi ranges from 14 BYN to 39 BYN with 29 BYN being the average internet bill. Finally, the average monthly mobile charges is around 19 BYN but can range between 12 BYN and 58 BYN 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


3.1% 6.2% of income 10%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Vitebsk is around 6.2%. This means that people pay 6.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.1% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Vitebsk

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


Prices and cost of goods and services in Vitebsk

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

Fast food combo meal price

2.9 BYN 5.8 BYN 9.7 BYN
MINIMUM AVERAGE MAXIMUM
$0.89 $1.8 $3

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Vitebsk is approximatly 5.8 BYN with meal cost ranging from 2.9 BYN to 9.7 BYN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

9.9 BYN 15 BYN 30 BYN
MINIMUM AVERAGE MAXIMUM
$3 $4.5 $9.1

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 9.9 BYN and 30 BYN with 15 BYN being the average price of a plate for one person at a regular restaurant in Vitebsk.

Fine dining meal for one price

20 BYN 30 BYN 120 BYN
MINIMUM AVERAGE MAXIMUM
$6 $9.1 $36

The price range of a meal at fine-dining restaurant is 20 BYN to 120 BYN with the average cost being 30 BYN for one person. This is what you would expect to pay a top-tier diner in Vitebsk.

Beverage prices, cappuccino, latte etc..

2.4 BYN 3.9 BYN 5.8 BYN
MINIMUM AVERAGE MAXIMUM
$0.74 $1.2 $1.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Vitebsk is around 3.9 BYN. Price ranges between 2.4 BYN and 5.8 BYN depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

1.9 BYN 2.3 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.59 $0.71 $0.89

The average price of a large bottle of milk in Vitebsk is 2.3 BYN. The maximum what you would pay for milk is 2.9 BYN and the minimum being 1.9 BYN depending on the brand of milk and other properties.

12 eggs price

1.5 BYN 1.9 BYN 2.9 BYN
MINIMUM AVERAGE MAXIMUM
$0.44 $0.59 $0.89

A dozen eggs costs around 1.9 BYN on average with 1.5 BYN and 2.9 BYN being the lower and upper limits respectively.

Fresh whole chicken price

3.3 BYN 4.3 BYN 6 BYN
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.9

The price range of a fresh whole chicken in Vitebsk is between 3.3 BYN and 6 BYN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 4.3 BYN.

Pack of beef price

3.9 BYN 5.8 BYN 12 BYN
MINIMUM AVERAGE MAXIMUM
$1.2 $1.8 $3.6

The price of a regular pack of beef or meat is around 5.8 BYN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

1.6 BYN 2.1 BYN 3 BYN
MINIMUM AVERAGE MAXIMUM
$0.48 $0.65 $0.93

A bag of rice in Vitebsk costs around 2.1 BYN on average with prices rangeing between 1.6 BYN and 3 BYN depending on the brand and quality.

Bag of tomatos price

0.58 BYN 0.77 BYN 1.5 BYN
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.44

A bag of tomatoes costs anywhere from 0.58 BYN to 1.5 BYN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1 BYN 1.4 BYN 2.2 BYN
MINIMUM AVERAGE MAXIMUM
$0.32 $0.42 $0.68

A bag of apples costs 1.4 BYN 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 Vitebsk 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 160 BYN to 2,500 BYN with the location, income, and size of the couple being the most determinite factors.

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