Cost Of Living For a Family in Rostov-on-Don 2025
Average monthly spending for families in Rostov-on-Don
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: RUB
How much money does a family need in a month to survive in Rostov-on-Don?
Families in Rostov-on-Don spend around 160,000 RUB per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 57,000 RUB or as high as 1.1M RUB. Location and income are very important factors and have a huge influence on expenditure and budget.
Family expenditure to income ratio in Rostov-on-Don
Analysing the how affordable it is for families to live in Rostov-on-Don
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
92%
83% to 100%
( expenditure / income ) x 100
Families in Rostov-on-Don spend around 92% of their monthly income.
Some families spend as low as 83% of their income while some as high as 100%.
Prices and cost of goods and services in Rostov-on-Don
Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
| 360 RUB | 530 RUB | 1,100 RUB |
Fine dining meal for one
| 710 RUB | 1,100 RUB | 4,300 RUB |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
| 520 RUB | 700 RUB | 1,400 RUB |
Average car 1-day rental
| 540 RUB | 730 RUB | 1,100 RUB |
Average car price
| 260,000 RUB | 520,000 RUB | 700,000 RUB |
Bus ticket one way
Car Service
| 730 RUB | 1,100 RUB | 2,200 RUB |
Utility cost (monthly)
Utility Bill - Family
| 2,800 RUB | 8,100 RUB | 53,000 RUB |
Internet and cable
| 520 RUB | 1,000 RUB | 1,400 RUB |
Mobile phone charges
| 420 RUB | 700 RUB | 2,100 RUB |
Leisure and activities costs
Movie ticket
One month gym membership
| 870 RUB | 1,100 RUB | 2,200 RUB |
Cloths and accessories costs
Pair of jeans or pants
| 640 RUB | 910 RUB | 1,400 RUB |
Woman dress
| 600 RUB | 840 RUB | 2,700 RUB |
Woman shoes
| 570 RUB | 780 RUB | 1,800 RUB |
Men's shoes
| 490 RUB | 600 RUB | 1,200 RUB |
Men suit
| 540 RUB | 680 RUB | 3,600 RUB |
Regular t-shirt
| 270 RUB | 360 RUB | 1,100 RUB |
Housing costs / monthly rent
Studio apartment
| 9,100 RUB | 14,000 RUB | 36,000 RUB |
1-bedroom apartment
| 14,000 RUB | 22,000 RUB | 54,000 RUB |
2-bedroom apartment
| 18,000 RUB | 27,000 RUB | 73,000 RUB |
Housing costs / Buying
Studio apartment
| 1.8M RUB | 2.7M RUB | 5.4M RUB |
1-bedroom apartment
| 2.2M RUB | 3.6M RUB | 14M RUB |
2-bedroom apartment
| $40,000 | $120,000 | $240,000 |
Furniture Costs
King Size Bed
| 10,000 RUB | 13,000 RUB | 17,000 RUB |
Double Bed
| 7,000 RUB | 10,000 RUB | 13,000 RUB |
Single Bed
| 6,200 RUB | 8,000 RUB | 10,000 RUB |
Living Room
| 12,000 RUB | 15,000 RUB | 52,000 RUB |
Dining Table
| 5,200 RUB | 7,000 RUB | 13,000 RUB |
Sofa or Couch
| 7,000 RUB | 9,500 RUB | 21,000 RUB |
Electronics and House Appliance Costs
TV Set
| 7,000 RUB | 10,000 RUB | 21,000 RUB |
Fridge or Freezer
| 6,200 RUB | 9,500 RUB | 13,000 RUB |
Washing Machine
| 8,000 RUB | 12,000 RUB | 21,000 RUB |
Stove or Cooker
| 7,500 RUB | 9,500 RUB | 13,000 RUB |
Mobile Phone
| 8,700 RUB | 10,000 RUB | 15,000 RUB |
Laptop or Computer
| 9,500 RUB | 12,000 RUB | 21,000 RUB |
What percentage of families in Rostov-on-Don are able to save money and how much can they save?
Percentage of families that reported their ability to save money
Almost 57% of surveyed families in Rostov-on-Don 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.
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
Average Monthly Saved Amount
20,000 RUB
$210 | 56,000 RUB
$610 | 360,000 RUB
$4,000 |
Savings to income distribution levels for families
| Saving To Income Ratio | % Families |
|---|
| 0% - 10% | 38% |
| 10% - 20% | 29% |
| 20% - 30% | 20% |
| 30% - 40% | 6% |
| 40% - 50% | 5% |
| > 50% | 2% |
Interpretation and Analysis
Families that are able to save money can put anywhere from 12% to 30% of their monthly income to their savings, with 20% being the average for most families. The average monthly amount of money that families can put aside is 56,000 RUB with 20,000 RUB and 360,000 RUB being the minimum and maximum respectively.
Typical saving choices for families in Rostov-on-Don
Where do people choose to put their savings?
| Saving Type | % People |
|---|
| Emergency Funds | 12% |
| Gold | 12% |
| Savings Accounts | 17% |
| Retirement Accounts | 10% |
| Cash Savings | 19% |
| Real Estate | 9% |
| Investment | 5% |
| Stocks | 5% |
| Bonds | 5% |
| Mutual Funds | 2% |
| Certificates of Deposit | 3% |
How do families spend their money in Rostov-on-Don?
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 Cost27%
27% of total expenses on average (22% to 37%)
| LOW | $200 18,000 RUB |
| AVERAGE | $570 52,000 RUB |
| HIGH | $3,700 340,000 RUB |
| Per Month |
Families in Rostov-on-Don typically spend from 22% to 37% of their total monthly expenditure on housing with 27% being the average. The average monthly spend on housing is 52,000 RUB with expenditure ranging from 18,000 RUB to 340,000 RUB. 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 utilities5%
5% of total expenses on average (3% to 8%)
| LOW | $31 2,800 RUB |
| AVERAGE | $89 8,100 RUB |
| HIGH | $580 53,000 RUB |
| Per Month |
Utility expenditure like electricity, water, and gas in Rostov-on-Don ranges from 3% to 8% of total expenses with 5% being the average for most families. The average monthly cost of utilities is 8,100 RUB with 2,800 RUB and 53,000 RUB being the upper and lower limits for a family of four.
Transport, fuel, and commute expenditure for families
Cost of transport and fuel5%
5% of total expenses on average (3% to 7%)
| LOW | $62 5,700 RUB |
| AVERAGE | $180 16,000 RUB |
| HIGH | $1,200 110,000 RUB |
| 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 5,700 RUB to 110,000 RUB in a month on commuting with 16,000 RUB being the norm for most families. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 3% or as high as 7%.
Food, groceries, and basic shopping expenditure for families
Food and Groceries Cost21%
21% of total expenses on average (14% to 27%)
| LOW | $110 10,000 RUB |
| AVERAGE | $320 29,000 RUB |
| HIGH | $2,100 190,000 RUB |
| Per Month |
The average outlay on groceries and basic houshold items for a typical family in a month in Rostov-on-Don is 29,000 RUB. The cost of groceries can range between 10,000 RUB to 190,000 RUB. Families spend on average about 21% on food and groceries with upper and lower bounds of 14% and 27% respectively.
Healthcare and medical services expenditure for families
Cost of healthcare11%
11% of total expenses on average (7% to 16%)
| LOW | $56 5,100 RUB |
| AVERAGE | $180 16,000 RUB |
| HIGH | $930 84,000 RUB |
| Per Month |
Families in Rostov-on-Don allocate 7% to 16% 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 11%. The range of medical expenses range from 5,100 RUB to 84,000 RUB with 16,000 RUB being the norm for most families.
Leisure and shopping expenditure for families
Cost of leisure and shopping3%
3% of total expenses on average (1% to 7%)
| LOW | $31 2,800 RUB |
| AVERAGE | $89 8,100 RUB |
| HIGH | $580 53,000 RUB |
| 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 2,800 RUB to 53,000 RUB with 8,100 RUB being the average. Speaking of percentages, that equates to 1% to 7% of total expenses with an average of 3% for most families.
Education and schooling expenditure for families
Cost of education and schooling13%
13% of total expenses on average (6% to 21%)
| LOW | $87 7,900 RUB |
| AVERAGE | $250 23,000 RUB |
| HIGH | $1,600 150,000 RUB |
| Per Month |
Spending on education can vary drastically between different families. On average, education constitutes 13% of the monthly expenditure of families with 6% and 21% being the lower and upper bounds respectively. The average reported education cost is 23,000 RUB per month with 7,900 RUB being the minimum spent amount and 150,000 RUB being the maximum.
Other Expenses15%
15% of total expenses on average (8% to 20%)
| LOW | $50 4,500 RUB |
| AVERAGE | $140 13,000 RUB |
| HIGH | $930 84,000 RUB |
| Per Month |
Saving Challenges in Rostov-on-Don
Reasons that make it difficult for families to save money
We wanted to understand what is stopping families from maximizing their savings in Rostov-on-Don. Listed below are the answers given by the survey participants.
| Reason | % People |
|---|
| Low Income | 5% |
| High Expenses | 8% |
| Debt and Loans | 15% |
| Lack of Budgeting Skills | 11% |
| Impulsive Spending | 11% |
| Financial Emergencies | 7% |
| Living the moment | 6% |
| Will do it later | 20% |
| Inflation | 12% |
| Social Pressure | 3% |
| Market Instability | 2% |
Around 5% of the families 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. 15% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 11% of families blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 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, 2% blamed market instability and price fluctuations.
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.
Low-cost alternatives in Rostov-on-Don
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 options61%
Few low-cost options39%
Based on the survey, 61% of the families living in Rostov-on-Don have no problem finding low-cost alternatives to support a frugal lifestyle while 39% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Affordable living in Rostov-on-Don
Income and cost of living compatibility
We asked families one simple question and recorded their answers.
Is it affordable or economical to live in Rostov-on-Don?
Around 64% of surveyed families think that living in Rostov-on-Don is affordable with proper budgeting while 36% reported that it is just too expensive and not affordable even with frugality and thriftness.
Financial goals of families in Rostov-on-Don
In an attempt to understand the economic situation in Rostov-on-Don, 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 Fund | 8% |
| Debt Reduction | 39% |
| Retirement Savings | 9% |
| Education Funding | 7% |
| Homeownership | 18% |
| Investing | 7% |
| Travel or Lifestyle | 8% |
| Healthcare Expenses | 12% |
| Financial Independence | 6% |
Around 8% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 39% 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 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 8% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 12% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
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.
Yes62%
No38%
Based on the survey, 38% of the families living in Rostov-on-Don said that they don't have an emergency fund while 62% said that they do.
Monthly costs and expenses of energy and basic utilities in Rostov-on-Don
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Rostov-on-Don
Utility Bill Cost / Electricity + Water + Gas / Family
| 2,800 RUB | 8,100 RUB | 53,000 RUB |
Internet and cable cost
| 520 RUB | 1,000 RUB | 1,400 RUB |
Mobile phone bill and charges
| 420 RUB | 700 RUB | 2,100 RUB |
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 8,100 RUB. The cost of internet and WiFi ranges from 520 RUB to 1,400 RUB with 1,000 RUB being the average internet bill. Finally, the average monthly mobile charges is around 700 RUB but can range between 420 RUB and 2,100 RUB 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
The average utility-to-income ratio in Rostov-on-Don is around 5.2%. This means that people pay 5.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.1% to 9.4% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Rostov-on-Don
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Rostov-on-Don
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Rostov-on-Don is approximatly 210 RUB with meal cost ranging from 100 RUB to 350 RUB. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
| 360 RUB | 530 RUB | 1,100 RUB |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 360 RUB and 1,100 RUB with 530 RUB being the average price of a plate for one person at a regular restaurant in Rostov-on-Don.
Fine dining meal for one price
| 710 RUB | 1,100 RUB | 4,300 RUB |
The price range of a meal at fine-dining restaurant is 710 RUB to 4,300 RUB with the average cost being 1,100 RUB for one person. This is what you would expect to pay a top-tier diner in Rostov-on-Don.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Rostov-on-Don is around 140 RUB. Price ranges between 87 RUB and 210 RUB depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Rostov-on-Don is 84 RUB. The maximum what you would pay for milk is 100 RUB and the minimum being 70 RUB depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 70 RUB on average with 52 RUB and 100 RUB being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Rostov-on-Don is between 120 RUB and 220 RUB depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 150 RUB.
Pack of beef price
The price of a regular pack of beef or meat is around 210 RUB. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Rostov-on-Don costs around 77 RUB on average with prices rangeing between 56 RUB and 110 RUB depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 21 RUB to 52 RUB. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 49 RUB 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
The average grocery-to-income ratio in Rostov-on-Don is around 27%. This means that families 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 families
Families' spending on grocery ranges from 10,000 RUB to 190,000 RUB with the location, income, and size of the family being the most determinite factors.
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 Leteracy56%
We asked family guardians and parents in Rostov-on-Don whether they acquired any adequate personal financial training in their lives. Approximately 44% 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 56% 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? 40% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 60% said that they have everything under control.
Struggles with finance40%
Easily manages finances60%
Debt, loans, and mortgages in Rostov-on-Don
Percentage of families who are in debt
According to the survey, 29% of the families in Rostov-on-Don have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.
Debt-to-income ratio in Rostov-on-Don
Debt to income ratio
30%
21% to 40%
( monthly debt payment / monthly income ) x 100
Interpretation
The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 30% of a family's monthly income in Rostov-on-Don goes to debt settlement.
Debt levelsMonthly debt settlement payment as percentage of monthly income
| Debt-to-income ratio | % People |
|---|
| > 60% | 3% |
| 50% - 60% | 16% |
| 40% - 50% | 13% |
| 30% - 40% | 15% |
| 20% - 30% | 12% |
| 10% - 20% | 14% |
| 0% - 10% | 26% |
According to our data, 3% of the debtors in Rostov-on-Don pay 60%+ of their income as debt settlement while 16% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 13% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 15% dedicated 30% to 40% of income for same. Things are looking brighter for 12% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Rostov-on-Don
| Debt | % People |
|---|
| Real Estate Mortgage | 10% |
| Auto Loan | 17% |
| Student Loan | 4% |
| Credit Card | 28% |
| Personal Loan | 41% |
10% of debtors in Rostov-on-Don confirm that real estate mortgages constitutes the main part of their outstanding debt while 28% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 17% of people and personal loans rose at 41%. Lastly, student loans are the main source of debt for 4% of debtors in Rostov-on-Don.
About credit score and debt managementManaging 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 Rostov-on-Don
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 |
|---|
| Never | 52% |
| Once a year | 23% |
| Twice a year | 12% |
| Three times a year | 9% |
| Four times a year | 4% |
Housing costs, accommodation, and housing affordability in Rostov-on-Don
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Rostov-on-Don
Monthly Rent Prices
Studio apartment monthly rent cost
| 9,100 RUB | 14,000 RUB | 36,000 RUB |
1-bedroom apartment monthly rent cost
| 14,000 RUB | 22,000 RUB | 54,000 RUB |
2-bedroom apartment monthly rent cost
| 18,000 RUB | 27,000 RUB | 73,000 RUB |
3-bedroom apartment monthly rent cost
| 22,000 RUB | 36,000 RUB | 99,000 RUB |
Furnished apartment monthly rent cost
| 44,000 RUB | 110,000 RUB | 220,000 RUB |
Townhouse monthly rent cost
| 36,000 RUB | 54,000 RUB | 160,000 RUB |
House monthly rent cost
| 44,000 RUB | 110,000 RUB | 220,000 RUB |
Villa monthly rent cost
| 54,000 RUB | 140,000 RUB | 220,000 RUB |
The monthly rental cost of a studio apartment in Rostov-on-Don ranges between 9,100 RUB and 36,000 RUB, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 14,000 RUB to 54,000 RUB. Two-bedroom rentals rate ranges between 18,000 RUB and 73,000 RUB per month. The monthly rental for a three-bedroom apartment ranges from 22,000 RUB to 99,000 RUB. The average rent of a townhouse in Rostov-on-Don is around 54,000 RUB while house rental costs can be as high as 110,000 RUB per month. Finally, if you want to rent a villa, expect to pay anywhere from 54,000 RUB to 220,000 RUB per month.
Apartment and house prices in Rostov-on-Don
Cost of buying a property
Studio apartment price
| 1.8M RUB | 2.7M RUB | 5.4M RUB |
1-bedroom apartment price
| 2.2M RUB | 3.6M RUB | 14M RUB |
2-bedroom apartment price
| $40,000 | $120,000 | $240,000 |
3-bedroom apartment price
| $130,000 | $200,000 | $600,000 |
Townhouse price
House price
| 18M RUB | 110M RUB | 160M RUB |
Villa price
| 22M RUB | 120M RUB | 180M RUB |
The average price of a studio apartment in Rostov-on-Don can range from 1.8M RUB to 5.4M RUB depending on location. One bedroom cost can be anywhere from 2.2M RUB to 14M RUB. A villa can cost you 120M RUB on average with prices ranging from 22M RUB to 180M RUB.
If you're leasing or purchasing, housing costs in Rostov-on-Don 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
| 41 | x119 monthly income | 217 |
Property prices in Rostov-on-Don can be x119 to x217 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x119 multiples of the average monthly salary in Rostov-on-Don.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Rostov-on-Don is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% to 43% 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
30% 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.
| 160 RUB | 2,100 RUB | 21,000 RUB |
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.
