Cost Of Living For a Family in Dammam 2025

Family cost of living chart - average monthly expenditure in Dammam

Average monthly spending for families in Dammam

We consider a family to be a member of four members, two adults and two children. This is the most common type of family. From the figures below, it should be fairly easy to calculate the average spending for families of different sizes.

Average Monthly Expenditure

Currency: SAR
3,300 16,000 160,000
MINIMUM AVERAGE MAXIMUM
$870 $4,400 $44,000

How much money does a family need in a month to survive in Dammam?

Families in Dammam spend around 16,000 SAR per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 3,300 SAR or as high as 160,000 SAR. Location and income are very important factors and have a huge influence on expenditure and budget.

Family cost of living and expenditure to income ratio in Dammam

Family expenditure to income ratio in Dammam

Analysing the how affordable it is for families to live in Dammam

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. Families usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a family of four ranges between 70% to 80%.


Spending to Income Ratio

87%

77% to 98%

( expenditure / income ) x 100


Families in Dammam spend around 87% of their monthly income. Some families spend as low as 77% of their income while some as high as 98%.

Distribution of monthly cost of living expenses of a family in Dammam

How do families spend their money in Dammam?

We asked thousands of families 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 families

Accomodation Cost28%

28% of total expenses on average (23% to 38%)

LOW$280   1,000 SAR
AVERAGE$1,400   5,200 SAR
HIGH$14,000   52,000 SAR
Per Month

Families in Dammam typically spend from 23% to 38% of their total monthly expenditure on housing with 28% being the average. The average monthly spend on housing is 5,200 SAR with expenditure ranging from 1,000 SAR to 52,000 SAR. This cost mainly goes for rent but it also includes other accommodation-related expenses.

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

Cost of utilities4%

4% of total expenses on average (2% to 7%)

LOW$42   160 SAR
AVERAGE$210   790 SAR
HIGH$2,100   7,900 SAR
Per Month

Utility expenditure like electricity, water, and gas in Dammam ranges from 2% to 7% of total expenses with 4% being the average for most families. The average monthly cost of utilities is 790 SAR with 160 SAR and 7,900 SAR being the upper and lower limits for a family of four.

Transport, fuel, and commute expenditure for families

Cost of transport and fuel6%

6% of total expenses on average (4% to 8%)

LOW$85   320 SAR
AVERAGE$430   1,600 SAR
HIGH$4,300   16,000 SAR
Per Month

Fuel consumption and cost of transport depend heavily on whether a family resides near school and work, but roughly speaking a family would expect to spend from 320 SAR to 16,000 SAR in a month on commuting with 1,600 SAR being the norm for most families. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 4% or as high as 8%.

Food, groceries, and basic shopping expenditure for families

Food and Groceries Cost20%

20% of total expenses on average (13% to 26%)

LOW$150   570 SAR
AVERAGE$760   2,900 SAR
HIGH$7,600   29,000 SAR
Per Month

The average outlay on groceries and basic houshold items for a typical family in a month in Dammam is 2,900 SAR. The cost of groceries can range between 570 SAR to 29,000 SAR. Families spend on average about 20% on food and groceries with upper and lower bounds of 13% and 26% respectively.

Healthcare and medical services expenditure for families

Cost of healthcare10%

10% of total expenses on average (6% to 15%)

LOW$74   280 SAR
AVERAGE$410   1,600 SAR
HIGH$3,300   12,000 SAR
Per Month

Families in Dammam allocate 6% to 15% 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 10%. The range of medical expenses range from 280 SAR to 12,000 SAR with 1,600 SAR being the norm for most families.

Leisure and shopping expenditure for families

Cost of leisure and shopping4%

4% of total expenses on average (2% to 8%)

LOW$42   160 SAR
AVERAGE$210   800 SAR
HIGH$2,100   8,000 SAR
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 160 SAR to 8,000 SAR with 800 SAR being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most families.

Education and schooling expenditure for families

Cost of education and schooling14%

14% of total expenses on average (7% to 22%)

LOW$120   450 SAR
AVERAGE$590   2,200 SAR
HIGH$5,900   22,000 SAR
Per Month

Spending on education can vary drastically between different families. On average, education constitutes 14% of the monthly expenditure of families with 7% and 22% being the lower and upper bounds respectively. The average reported education cost is 2,200 SAR per month with 450 SAR being the minimum spent amount and 22,000 SAR being the maximum.

Other Expenses14%

14% of total expenses on average (7% to 19%)

LOW$69   260 SAR
AVERAGE$340   1,300 SAR
HIGH$3,400   13,000 SAR
Per Month

Prices and cost of goods and services in Dammam

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

Dining, food, and beverages costs


Fast food combo meal

15 SAR 29 SAR 49 SAR
MINIMUM AVERAGE MAXIMUM
$3.9 $7.9 $13

Restaurant meal for one

50 SAR 74 SAR 150 SAR
MINIMUM AVERAGE MAXIMUM
$13 $20 $40

Fine dining meal for one

98 SAR 150 SAR 590 SAR
MINIMUM AVERAGE MAXIMUM
$26 $39 $160

Cappuccino or latte

12 SAR 20 SAR 30 SAR
MINIMUM AVERAGE MAXIMUM
$3.3 $5.3 $7.9

Grocery and market costs


Milk large bottle

9.9 SAR 12 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2.6 $3.2 $4

12 eggs

7.4 SAR 9.8 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2 $2.6 $3.9

Fresh whole chicken

17 SAR 22 SAR 31 SAR
MINIMUM AVERAGE MAXIMUM
$4.5 $5.8 $8.3

Pack of beef

20 SAR 30 SAR 60 SAR
MINIMUM AVERAGE MAXIMUM
$5.3 $8 $16

Medium bag of rice

7.9 SAR 11 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2.1 $2.9 $4.1

Bag of tomatos

2.9 SAR 3.9 SAR 7.4 SAR
MINIMUM AVERAGE MAXIMUM
$0.79 $1 $2

Bag of apples

5.3 SAR 6.9 SAR 11 SAR
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $3
Chart showing the prices and cost of commute, travel, and transportation in Dammam

Commute, travel, and transportation costs


20 minutes taxi ride

12 SAR 15 SAR 30 SAR
MINIMUM AVERAGE MAXIMUM
$3.3 $4 $7.9

Average car full tank

74 SAR 98 SAR 200 SAR
MINIMUM AVERAGE MAXIMUM
$20 $26 $52

Average car 1-day rental

73 SAR 97 SAR 150 SAR
MINIMUM AVERAGE MAXIMUM
$19 $26 $39

Average car price

36,000 SAR 73,000 SAR 97,000 SAR
MINIMUM AVERAGE MAXIMUM
$9,700 $19,000 $26,000

Bus ticket one way

2.4 SAR 3.6 SAR 7.3 SAR
MINIMUM AVERAGE MAXIMUM
$0.65 $0.97 $1.9

Car Service

98 SAR 150 SAR 290 SAR
MINIMUM AVERAGE MAXIMUM
$26 $39 $78
Chart showing the prices and cost of utility, energy, water, and gas for a family in Dammam

Utility cost (monthly)


Utility Bill - Family

160 SAR 790 SAR 7,900 SAR
MINIMUM AVERAGE MAXIMUM
$42 $210 $2,100

Internet and cable

74 SAR 150 SAR 200 SAR
MINIMUM AVERAGE MAXIMUM
$20 $40 $53

Mobile phone charges

57 SAR 95 SAR 290 SAR
MINIMUM AVERAGE MAXIMUM
$15 $25 $76

Leisure and activities costs


Movie ticket

36 SAR 48 SAR 72 SAR
MINIMUM AVERAGE MAXIMUM
$9.6 $13 $19

One month gym membership

120 SAR 150 SAR 300 SAR
MINIMUM AVERAGE MAXIMUM
$32 $39 $79
Chart showing the prices and cost of clothing and accessories in Dammam

Cloths and accessories costs


Pair of jeans or pants

87 SAR 120 SAR 190 SAR
MINIMUM AVERAGE MAXIMUM
$23 $33 $50

Woman dress

83 SAR 110 SAR 370 SAR
MINIMUM AVERAGE MAXIMUM
$22 $31 $100

Woman shoes

78 SAR 110 SAR 250 SAR
MINIMUM AVERAGE MAXIMUM
$21 $28 $65

Men's shoes

67 SAR 82 SAR 160 SAR
MINIMUM AVERAGE MAXIMUM
$18 $22 $44

Men suit

74 SAR 93 SAR 500 SAR
MINIMUM AVERAGE MAXIMUM
$20 $25 $130

Regular t-shirt

37 SAR 50 SAR 150 SAR
MINIMUM AVERAGE MAXIMUM
$10 $13 $40
Chart showing the prices and cost of housing, accommodation, and rent in Dammam

Housing costs / monthly rent


Studio apartment

1,300 SAR 1,900 SAR 5,100 SAR
MINIMUM AVERAGE MAXIMUM
$340 $510 $1,300

1-bedroom apartment

1,900 SAR 3,000 SAR 7,600 SAR
MINIMUM AVERAGE MAXIMUM
$510 $810 $2,000

2-bedroom apartment

2,600 SAR 3,800 SAR 10,000 SAR
MINIMUM AVERAGE MAXIMUM
$680 $1,000 $2,700

Housing costs / Buying


Studio apartment

260,000 SAR 380,000 SAR 770,000 SAR
MINIMUM AVERAGE MAXIMUM
$68,000 $100,000 $200,000

1-bedroom apartment

310,000 SAR 510,000 SAR 1.9M SAR
MINIMUM AVERAGE MAXIMUM
$82,000 $140,000 $510,000

2-bedroom apartment

510,000 SAR 1.5M SAR 3M SAR
MINIMUM AVERAGE MAXIMUM
$130,000 $400,000 $810,000
Chart showing the prices and cost of furniture in Dammam

Furniture Costs


King Size Bed

1,500 SAR 1,800 SAR 2,400 SAR
MINIMUM AVERAGE MAXIMUM
$390 $490 $650

Double Bed

980 SAR 1,500 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$260 $390 $490

Single Bed

870 SAR 1,100 SAR 1,500 SAR
MINIMUM AVERAGE MAXIMUM
$230 $300 $400

Living Room

1,700 SAR 2,100 SAR 7,500 SAR
MINIMUM AVERAGE MAXIMUM
$440 $570 $2,000

Dining Table

740 SAR 980 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$200 $260 $490

Sofa or Couch

980 SAR 1,300 SAR 3,000 SAR
MINIMUM AVERAGE MAXIMUM
$260 $360 $790
Chart showing the prices and cost of electronic devices and appliances in Dammam

Electronics and House Appliance Costs


TV Set

990 SAR 1,500 SAR 3,000 SAR
MINIMUM AVERAGE MAXIMUM
$260 $390 $790

Fridge or Freezer

870 SAR 1,400 SAR 1,900 SAR
MINIMUM AVERAGE MAXIMUM
$230 $360 $500

Washing Machine

1,100 SAR 1,600 SAR 2,900 SAR
MINIMUM AVERAGE MAXIMUM
$300 $430 $780

Stove or Cooker

1,100 SAR 1,300 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$280 $360 $490

Mobile Phone

1,200 SAR 1,500 SAR 2,100 SAR
MINIMUM AVERAGE MAXIMUM
$330 $390 $560

Laptop or Computer

1,400 SAR 1,700 SAR 3,000 SAR
MINIMUM AVERAGE MAXIMUM
$360 $440 $790
Percentage of families who manage to save money from their income every month in Dammam

What percentage of families in Dammam are able to save money and how much can they save?


Percentage of families that reported their ability to save money


Saving Money
65%
Not Saving
35%

Almost 65% of surveyed families in Dammam said that they can save some money at the end of each month while 35% reported that they have to utilize their whole income to survive.


Family savings to income ratio in Dammam

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 families 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 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

1,300 SAR
$360
6,700 SAR
$1,800
67,000 SAR
$18,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%36%
10% - 20%28%
20% - 30%20%
30% - 40%8%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Families that are able to save money can put anywhere from 13% to 32% of their monthly income to their savings, with 23% being the average for most families. The average monthly amount of money that families can put aside is 6,700 SAR with 1,300 SAR and 67,000 SAR being the minimum and maximum respectively.

Reasons that make it difficult for families to save money in Dammam

Saving Challenges in Dammam

Reasons that make it difficult for families to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans17%
Lack of Budgeting Skills10%
Impulsive Spending10%
Financial Emergencies6%
Living the moment7%
Will do it later17%
Inflation11%
Social Pressure3%
Market Instability3%

Around 6% of the families 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. 17% of the residents said that they are burdened with debt and find it challenging to save money. 10% 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 families 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. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 17% 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. 11% 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.

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.

Where do families choose to put their savings in Dammam

Typical saving choices for families in Dammam

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold10%
Savings Accounts17%
Retirement Accounts11%
Cash Savings17%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
Income and cost of living compatibility. Is it affordable or economical for families to live in Dammam

Affordable living in Dammam

Income and cost of living compatibility

We asked families one simple question and recorded their answers.

Is it affordable or economical to live in Dammam?


Yes
76%
No
24%

Around 76% of surveyed families think that living in Dammam is affordable with proper budgeting while 24% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for families. Are there plenty of low-cost options in Dammam

Low-cost alternatives in Dammam

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 families how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options60%

Few low-cost options40%


Based on the survey, 60% of the families living in Dammam 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 Families

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 families whether they have an emergency fund and the answers were as follows.

Yes72%

No28%


Based on the survey, 28% of the families living in Dammam said that they don't have an emergency fund while 72% said that they do.

Financial goals and targets of families living in Dammam

Financial goals of families in Dammam

In an attempt to understand the economic situation in Dammam, 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 Fund7%
Debt Reduction34%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses10%
Financial Independence8%

Around 7% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 34% said their number one priority is to pay off high-interest debt or loans and improve credit. 8% 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 10% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 10% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of families who are in debt in Dammam

Debt, loans, and mortgages in Dammam


Percentage of families who are in debt


In Debt
29%
Debt Free
71%

According to the survey, 29% of the families in Dammam have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Dammam

Debt-to-income ratio in Dammam

Debt to income ratio

26%

16% to 36%

( 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 26% of a family's monthly income in Dammam goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%12%
40% - 50%12%
30% - 40%14%
20% - 30%14%
10% - 20%18%
0% - 10%27%

According to our data, 3% of the debtors in Dammam pay 60%+ of their income as debt settlement while 12% 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 14% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Dammam

Debt% People
Real Estate Mortgage12%
Auto Loan21%
Student Loan3%
Credit Card26%
Personal Loan37%

12% of debtors in Dammam confirm that real estate mortgages constitutes the main part of their outstanding debt while 26% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 21% of people and personal loans rose at 37%. Lastly, student loans are the main source of debt for 3% of debtors in Dammam.


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 Dammam

Besides measuring the loan-to-income ratio, we asked families 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
Never54%
Once a year22%
Twice a year11%
Three times a year8%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Dammam

Housing costs, accommodation, and housing affordability in Dammam

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


Rent Cost in Dammam

Monthly Rent Prices

Studio apartment monthly rent cost

1,300 SAR 1,900 SAR 5,100 SAR
MINIMUM AVERAGE MAXIMUM
$340 $510 $1,300

1-bedroom apartment monthly rent cost

1,900 SAR 3,000 SAR 7,600 SAR
MINIMUM AVERAGE MAXIMUM
$510 $810 $2,000

2-bedroom apartment monthly rent cost

2,600 SAR 3,800 SAR 10,000 SAR
MINIMUM AVERAGE MAXIMUM
$680 $1,000 $2,700

3-bedroom apartment monthly rent cost

3,100 SAR 5,100 SAR 14,000 SAR
MINIMUM AVERAGE MAXIMUM
$820 $1,400 $3,700

Furnished apartment monthly rent cost

6,100 SAR 15,000 SAR 30,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,600 $4,100 $8,100

Townhouse monthly rent cost

5,100 SAR 7,600 SAR 22,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,300 $2,000 $5,800

House monthly rent cost

6,100 SAR 15,000 SAR 31,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,600 $4,100 $8,100

Villa monthly rent cost

7,600 SAR 19,000 SAR 30,000 SAR
MINIMUM AVERAGE MAXIMUM
$2,000 $5,100 $8,100

The monthly rental cost of a studio apartment in Dammam ranges between 1,300 SAR and 5,100 SAR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,900 SAR to 7,600 SAR. Two-bedroom rentals rate ranges between 2,600 SAR and 10,000 SAR per month. The monthly rental for a three-bedroom apartment ranges from 3,100 SAR to 14,000 SAR. The average rent of a townhouse in Dammam is around 7,600 SAR while house rental costs can be as high as 15,000 SAR per month. Finally, if you want to rent a villa, expect to pay anywhere from 7,600 SAR to 30,000 SAR per month.



Apartment and house prices in Dammam

Cost of buying a property

Studio apartment price

260,000 SAR 380,000 SAR 770,000 SAR
MINIMUM AVERAGE MAXIMUM
$68,000 $100,000 $200,000

1-bedroom apartment price

310,000 SAR 510,000 SAR 1.9M SAR
MINIMUM AVERAGE MAXIMUM
$82,000 $140,000 $510,000

2-bedroom apartment price

510,000 SAR 1.5M SAR 3M SAR
MINIMUM AVERAGE MAXIMUM
$130,000 $400,000 $810,000

3-bedroom apartment price

1.7M SAR 2.5M SAR 7.6M SAR
MINIMUM AVERAGE MAXIMUM
$450,000 $680,000 $2M

Townhouse price

2.2M SAR 5.1M SAR 19M SAR
MINIMUM AVERAGE MAXIMUM
$580,000 $1.4M $5.1M

House price

2.6M SAR 15M SAR 22M SAR
MINIMUM AVERAGE MAXIMUM
$680,000 $4.1M $5.9M

Villa price

3.1M SAR 17M SAR 26M SAR
MINIMUM AVERAGE MAXIMUM
$820,000 $4.6M $6.8M

The average price of a studio apartment in Dammam can range from 260,000 SAR to 770,000 SAR depending on location. One bedroom cost can be anywhere from 310,000 SAR to 1.9M SAR. A villa can cost you 17M SAR on average with prices ranging from 3.1M SAR to 26M SAR.


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


50 x149 monthly income 239
MINIMUM AVERAGE MAXIMUM

Property prices in Dammam can be x149 to x239 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x149 multiples of the average monthly salary in Dammam.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


25% 35% of income 46%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Dammam is around 35%. This means that people pay 35% of their income for rent. Those figures can range from 25% to 46% 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
32%

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
2.4%
AVERAGE
3.4%
TO
4.4%

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.


22 SAR 220 SAR 3,200 SAR
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 Dammam

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Family

160 SAR 790 SAR 7,900 SAR
MINIMUM AVERAGE MAXIMUM
$42 $210 $2,100

Internet and cable cost

74 SAR 150 SAR 200 SAR
MINIMUM AVERAGE MAXIMUM
$20 $40 $53

Mobile phone bill and charges

57 SAR 95 SAR 290 SAR
MINIMUM AVERAGE MAXIMUM
$15 $25 $76

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 families is around 790 SAR. The cost of internet and WiFi ranges from 74 SAR to 200 SAR with 150 SAR being the average internet bill. Finally, the average monthly mobile charges is around 95 SAR but can range between 57 SAR and 290 SAR 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


1% 4.1% of income 8.3%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Dammam is around 4.1%. This means that people pay 4.1% of their income for energy, water, internet, and mobile charges. Those figures can range from 1% to 8.3% depending on salary and location.

Financial literacy and difficulty in budgeting and financial planning for families in Dammam

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 Leteracy71%


We asked family guardians and parents in Dammam whether they acquired any adequate personal financial training in their lives. Approximately 29% 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 71% 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 families 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? 31% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 69% said that they have everything under control.

Struggles with finance31%

Easily manages finances69%

Food Prices, Dining Expenses, and Grocery Costs in Dammam

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


Prices and cost of goods and services in Dammam

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

Fast food combo meal price

15 SAR 29 SAR 49 SAR
MINIMUM AVERAGE MAXIMUM
$3.9 $7.9 $13

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Dammam is approximatly 29 SAR with meal cost ranging from 15 SAR to 49 SAR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

50 SAR 74 SAR 150 SAR
MINIMUM AVERAGE MAXIMUM
$13 $20 $40

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 50 SAR and 150 SAR with 74 SAR being the average price of a plate for one person at a regular restaurant in Dammam.

Fine dining meal for one price

98 SAR 150 SAR 590 SAR
MINIMUM AVERAGE MAXIMUM
$26 $39 $160

The price range of a meal at fine-dining restaurant is 98 SAR to 590 SAR with the average cost being 150 SAR for one person. This is what you would expect to pay a top-tier diner in Dammam.

Beverage prices, cappuccino, latte etc..

12 SAR 20 SAR 30 SAR
MINIMUM AVERAGE MAXIMUM
$3.3 $5.3 $7.9

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Dammam is around 20 SAR. Price ranges between 12 SAR and 30 SAR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

9.9 SAR 12 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2.6 $3.2 $4

The average price of a large bottle of milk in Dammam is 12 SAR. The maximum what you would pay for milk is 15 SAR and the minimum being 9.9 SAR depending on the brand of milk and other properties.

12 eggs price

7.4 SAR 9.8 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2 $2.6 $3.9

A dozen eggs costs around 9.8 SAR on average with 7.4 SAR and 15 SAR being the lower and upper limits respectively.

Fresh whole chicken price

17 SAR 22 SAR 31 SAR
MINIMUM AVERAGE MAXIMUM
$4.5 $5.8 $8.3

The price range of a fresh whole chicken in Dammam is between 17 SAR and 31 SAR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 22 SAR.

Pack of beef price

20 SAR 30 SAR 60 SAR
MINIMUM AVERAGE MAXIMUM
$5.3 $8 $16

The price of a regular pack of beef or meat is around 30 SAR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

7.9 SAR 11 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2.1 $2.9 $4.1

A bag of rice in Dammam costs around 11 SAR on average with prices rangeing between 7.9 SAR and 15 SAR depending on the brand and quality.

Bag of tomatos price

2.9 SAR 3.9 SAR 7.4 SAR
MINIMUM AVERAGE MAXIMUM
$0.79 $1 $2

A bag of tomatoes costs anywhere from 2.9 SAR to 7.4 SAR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

5.3 SAR 6.9 SAR 11 SAR
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $3

A bag of apples costs 6.9 SAR 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


17% 25% of income 31%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Dammam is around 25%. This means that families spend 25% of their income on grocery and basic household items. The expenditure can range from 17% to 31% depending on salary and location.


Expenditure on food and grocery for families

Families' spending on grocery ranges from 570 SAR to 29,000 SAR with the location, income, and size of the family being the most determinite factors.

Published: July 11, 2024   Last Update: April 15, 2025



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