Cost Of Living For a Family in Saudi Arabia 2025

Family cost of living chart - average monthly expenditure in Saudi Arabia

Average monthly spending for families in Saudi Arabia

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
7,100 20,000 130,000
MINIMUM AVERAGE MAXIMUM
$1,900 $5,400 $35,000

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

Families in Saudi Arabia spend around 20,000 SAR per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 7,100 SAR or as high as 130,000 SAR. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Saudi Arabia


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

Dining, food, and beverages costs


Fast food combo meal

14 SAR 29 SAR 48 SAR
MINIMUM AVERAGE MAXIMUM
$3.8 $7.6 $13

Restaurant meal for one

48 SAR 71 SAR 140 SAR
MINIMUM AVERAGE MAXIMUM
$13 $19 $38

Fine dining meal for one

95 SAR 140 SAR 570 SAR
MINIMUM AVERAGE MAXIMUM
$25 $38 $150

Cappuccino or latte

12 SAR 19 SAR 29 SAR
MINIMUM AVERAGE MAXIMUM
$3.2 $5.1 $7.6

Grocery and market costs


Milk large bottle

9.5 SAR 11 SAR 14 SAR
MINIMUM AVERAGE MAXIMUM
$2.5 $3 $3.8

12 eggs

7.1 SAR 9.5 SAR 14 SAR
MINIMUM AVERAGE MAXIMUM
$1.9 $2.5 $3.8

Fresh whole chicken

16 SAR 21 SAR 30 SAR
MINIMUM AVERAGE MAXIMUM
$4.3 $5.6 $7.9

Pack of beef

19 SAR 29 SAR 57 SAR
MINIMUM AVERAGE MAXIMUM
$5.1 $7.6 $15

Medium bag of rice

7.7 SAR 10 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2 $2.8 $4

Bag of tomatos

2.9 SAR 3.8 SAR 7.1 SAR
MINIMUM AVERAGE MAXIMUM
$0.76 $1 $1.9

Bag of apples

5.1 SAR 6.7 SAR 11 SAR
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.9
Chart showing the prices and cost of commute, travel, and transportation in Saudi Arabia


Commute, travel, and transportation costs


20 minutes taxi ride

12 SAR 14 SAR 29 SAR
MINIMUM AVERAGE MAXIMUM
$3.2 $3.8 $7.6

Average car full tank

71 SAR 95 SAR 190 SAR
MINIMUM AVERAGE MAXIMUM
$19 $25 $51

Average car 1-day rental

71 SAR 95 SAR 140 SAR
MINIMUM AVERAGE MAXIMUM
$19 $25 $38

Average car price

36,000 SAR 71,000 SAR 95,000 SAR
MINIMUM AVERAGE MAXIMUM
$9,500 $19,000 $25,000

Bus ticket one way

2.4 SAR 3.6 SAR 7.1 SAR
MINIMUM AVERAGE MAXIMUM
$0.63 $0.95 $1.9

Car Service

95 SAR 140 SAR 290 SAR
MINIMUM AVERAGE MAXIMUM
$25 $38 $76
Chart showing the prices and cost of utility, energy, water, and gas in Saudi Arabia


Utility cost (monthly)


Utility Bill - Family

350 SAR 1,000 SAR 6,600 SAR
MINIMUM AVERAGE MAXIMUM
$94 $270 $1,800

Internet and cable

71 SAR 140 SAR 190 SAR
MINIMUM AVERAGE MAXIMUM
$19 $38 $51

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 71 SAR
MINIMUM AVERAGE MAXIMUM
$9.5 $13 $19

One month gym membership

110 SAR 140 SAR 290 SAR
MINIMUM AVERAGE MAXIMUM
$30 $38 $76
Chart showing the prices and cost of clothing and accessories in Saudi Arabia


Cloths and accessories costs


Pair of jeans or pants

84 SAR 120 SAR 180 SAR
MINIMUM AVERAGE MAXIMUM
$22 $32 $48

Woman dress

79 SAR 110 SAR 360 SAR
MINIMUM AVERAGE MAXIMUM
$21 $29 $95

Woman shoes

75 SAR 100 SAR 240 SAR
MINIMUM AVERAGE MAXIMUM
$20 $27 $63

Men's shoes

65 SAR 79 SAR 160 SAR
MINIMUM AVERAGE MAXIMUM
$17 $21 $42

Men suit

71 SAR 89 SAR 480 SAR
MINIMUM AVERAGE MAXIMUM
$19 $24 $130

Regular t-shirt

36 SAR 48 SAR 140 SAR
MINIMUM AVERAGE MAXIMUM
$9.5 $13 $38
Chart showing the prices and cost of housing, accommodation, and rent in Saudi Arabia


Housing costs / monthly rent


Studio apartment

1,200 SAR 1,800 SAR 4,800 SAR
MINIMUM AVERAGE MAXIMUM
$320 $480 $1,300

1-bedroom apartment

1,800 SAR 2,900 SAR 7,100 SAR
MINIMUM AVERAGE MAXIMUM
$480 $760 $1,900

2-bedroom apartment

2,400 SAR 3,600 SAR 9,500 SAR
MINIMUM AVERAGE MAXIMUM
$630 $950 $2,500

Housing costs / Buying


Studio apartment

240,000 SAR 360,000 SAR 710,000 SAR
MINIMUM AVERAGE MAXIMUM
$63,000 $95,000 $190,000

1-bedroom apartment

290,000 SAR 480,000 SAR 1.8M SAR
MINIMUM AVERAGE MAXIMUM
$76,000 $130,000 $480,000

2-bedroom apartment

480,000 SAR 1.4M SAR 2.9M SAR
MINIMUM AVERAGE MAXIMUM
$130,000 $380,000 $760,000
Chart showing the prices and cost of furniture in Saudi Arabia


Furniture Costs


King Size Bed

1,400 SAR 1,800 SAR 2,400 SAR
MINIMUM AVERAGE MAXIMUM
$380 $480 $630

Double Bed

950 SAR 1,400 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$250 $380 $480

Single Bed

840 SAR 1,100 SAR 1,400 SAR
MINIMUM AVERAGE MAXIMUM
$220 $290 $380

Living Room

1,600 SAR 2,000 SAR 7,100 SAR
MINIMUM AVERAGE MAXIMUM
$420 $540 $1,900

Dining Table

710 SAR 950 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$190 $250 $480

Sofa or Couch

950 SAR 1,300 SAR 2,900 SAR
MINIMUM AVERAGE MAXIMUM
$250 $350 $760
Chart showing the prices and cost of electronic devices and appliances in Saudi Arabia


Electronics and House Appliance Costs


TV Set

950 SAR 1,400 SAR 2,900 SAR
MINIMUM AVERAGE MAXIMUM
$250 $380 $760

Fridge or Freezer

840 SAR 1,300 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$220 $350 $480

Washing Machine

1,100 SAR 1,600 SAR 2,900 SAR
MINIMUM AVERAGE MAXIMUM
$290 $420 $760

Stove or Cooker

1,000 SAR 1,300 SAR 1,800 SAR
MINIMUM AVERAGE MAXIMUM
$270 $350 $480

Mobile Phone

1,200 SAR 1,400 SAR 2,000 SAR
MINIMUM AVERAGE MAXIMUM
$320 $380 $540

Laptop or Computer

1,300 SAR 1,600 SAR 2,900 SAR
MINIMUM AVERAGE MAXIMUM
$350 $420 $760
Family cost of living and expenditure to income ratio in Saudi Arabia

Family expenditure to income ratio in Saudi Arabia

Analysing the how affordable it is for families to live in Saudi Arabia

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

85%

76% to 96%

( expenditure / income ) x 100


Families in Saudi Arabia spend around 85% of their monthly income. Some families spend as low as 76% of their income while some as high as 96%.

Distribution of monthly cost of living expenses of a family in Saudi Arabia

How do families spend their money in Saudi Arabia?

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 Cost31%

31% of total expenses on average (26% to 41%)

LOW$600   2,300 SAR
AVERAGE$1,700   6,500 SAR
HIGH$11,000   42,000 SAR
Per Month

Families in Saudi Arabia typically spend from 26% to 41% of their total monthly expenditure on housing with 31% being the average. The average monthly spend on housing is 6,500 SAR with expenditure ranging from 2,300 SAR to 42,000 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 utilities3%

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

LOW$94   350 SAR
AVERAGE$270   1,000 SAR
HIGH$1,800   6,600 SAR
Per Month

Utility expenditure like electricity, water, and gas in Saudi Arabia ranges from 1% to 6% of total expenses with 3% being the average for most families. The average monthly cost of utilities is 1,000 SAR with 350 SAR and 6,600 SAR being the upper and lower limits for a family of four.

Transport, fuel, and commute expenditure for families

Cost of transport and fuel8%

8% of total expenses on average (6% to 10%)

LOW$190   710 SAR
AVERAGE$540   2,000 SAR
HIGH$3,500   13,000 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 710 SAR to 13,000 SAR in a month on commuting with 2,000 SAR being the norm for most families. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 6% or as high as 10%.

Food, groceries, and basic shopping expenditure for families

Food and Groceries Cost18%

18% of total expenses on average (11% to 24%)

LOW$340   1,300 SAR
AVERAGE$970   3,600 SAR
HIGH$6,300   24,000 SAR
Per Month

The average outlay on groceries and basic houshold items for a typical family in a month in Saudi Arabia is 3,600 SAR. The cost of groceries can range between 1,300 SAR to 24,000 SAR. Families spend on average about 18% on food and groceries with upper and lower bounds of 11% and 24% respectively.

Healthcare and medical services expenditure for families

Cost of healthcare8%

8% of total expenses on average (4% to 13%)

LOW$170   640 SAR
AVERAGE$540   2,000 SAR
HIGH$2,800   11,000 SAR
Per Month

Families in Saudi Arabia allocate 4% to 13% 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 8%. The range of medical expenses range from 640 SAR to 11,000 SAR with 2,000 SAR being the norm for most families.

Leisure and shopping expenditure for families

Cost of leisure and shopping5%

5% of total expenses on average (3% to 9%)

LOW$94   350 SAR
AVERAGE$270   1,000 SAR
HIGH$1,800   6,600 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 350 SAR to 6,600 SAR with 1,000 SAR being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 5% for most families.

Education and schooling expenditure for families

Cost of education and schooling14%

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

LOW$260   990 SAR
AVERAGE$750   2,800 SAR
HIGH$4,900   18,000 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 2,800 SAR per month with 990 SAR being the minimum spent amount and 18,000 SAR being the maximum.

Other Expenses13%

13% of total expenses on average (6% to 18%)

LOW$150   570 SAR
AVERAGE$430   1,600 SAR
HIGH$2,800   11,000 SAR
Per Month
Percentage of families who manage to save money from their income every month in Saudi Arabia

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


Percentage of families that reported their ability to save money


Saving Money
63%
Not Saving
37%

Almost 63% of surveyed families in Saudi Arabia said that they can save some money at the end of each month while 37% reported that they have to utilize their whole income to survive.


Family savings to income ratio in Saudi Arabia

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% 22% of income 31%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

2,900 SAR
$770
8,300 SAR
$2,200
54,000 SAR
$14,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%33%
10% - 20%26%
20% - 30%19%
30% - 40%11%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Families that are able to save money can put anywhere from 13% to 31% of their monthly income to their savings, with 22% being the average for most families. The average monthly amount of money that families can put aside is 8,300 SAR with 2,900 SAR and 54,000 SAR being the minimum and maximum respectively.

Reasons that make it difficult for families to save money in Saudi Arabia

Saving Challenges in Saudi Arabia

Reasons that make it difficult for families to save money

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


Reason% People
Low Income8%
High Expenses11%
Debt and Loans22%
Lack of Budgeting Skills9%
Impulsive Spending8%
Financial Emergencies5%
Living the moment8%
Will do it later14%
Inflation9%
Social Pressure4%
Market Instability4%

Around 8% of the families said that their salary is too low to accommodate a portion for savings while 11% said that the high cost of living leaves little room for savings. 22% of the residents said that they are burdened with debt and find it challenging to save money. 9% 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. 8% of families blamed impulsive spending as the reason for saving inability. Around 5% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 8% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 14% 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. 9% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 4% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 4% blamed market instability and price fluctuations.

Where do families choose to put their savings in Saudi Arabia

Typical saving choices for families in Saudi Arabia

Where do people choose to put their savings?


Saving Type% People
Emergency Funds9%
Gold8%
Savings Accounts18%
Retirement Accounts13%
Cash Savings12%
Real Estate11%
Investment7%
Stocks7%
Bonds8%
Mutual Funds4%
Certificates of Deposit4%
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 families to live in Saudi Arabia

Affordable living in Saudi Arabia

Income and cost of living compatibility

We asked families one simple question and recorded their answers.

Is it affordable or economical to live in Saudi Arabia?


Yes
76%
No
24%

Around 76% of surveyed families think that living in Saudi Arabia 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 Saudi Arabia

Low-cost alternatives in Saudi Arabia

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 Saudi Arabia 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 of Saudi Arabia whether they have an emergency fund and the answers were as follows.

Yes72%

No28%


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

Financial literacy and difficulty in budgeting and financial planning for families in Saudi Arabia

Financial Literacy in Saudi Arabia

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 Saudi Arabia 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 Saudi Arabia 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%

Financial goals and targets of families living in Saudi Arabia

Financial goals of families in Saudi Arabia

In an attempt to understand the economic situation in Saudi Arabia, 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 Fund5%
Debt Reduction26%
Retirement Savings6%
Education Funding10%
Homeownership15%
Investing10%
Travel or Lifestyle14%
Healthcare Expenses5%
Financial Independence11%

Around 5% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 26% said their number one priority is to pay off high-interest debt or loans and improve credit. 6% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 10% reported that their priority is saving for the tuition fees and education costs of their children while 15% choose to buy a home or pay off existing mortgage before other things. 10% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 14% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 5% 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 Saudi Arabia

Debt, loans, and mortgages in Saudi Arabia


Percentage of families who are in debt


In Debt
29%
Debt Free
71%

According to the survey, 29% of the families in Saudi Arabia 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 Saudi Arabia

Debt-to-income ratio in Saudi Arabia

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 Saudi Arabia goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%2%
50% - 60%7%
40% - 50%9%
30% - 40%11%
20% - 30%19%
10% - 20%23%
0% - 10%29%

According to our data, 2% of the debtors in Saudi Arabia pay 60%+ of their income as debt settlement while 7% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 9% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 11% dedicated 30% to 40% of income for same. Things are looking brighter for 19% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Saudi Arabia

Debt% People
Real Estate Mortgage17%
Auto Loan28%
Student Loan2%
Credit Card21%
Personal Loan32%

17% of debtors in Saudi Arabia confirm that real estate mortgages constitutes the main part of their outstanding debt while 21% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 28% of people and personal loans rose at 32%. Lastly, student loans are the main source of debt for 2% of debtors in Saudi Arabia.


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 Saudi Arabia

Besides measuring the loan-to-income ratio, we asked families of Saudi Arabia 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
Never59%
Once a year21%
Twice a year10%
Three times a year7%
Four times a year3%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Saudi Arabia

Housing costs, accommodation, and housing affordability in Saudi Arabia

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


Rent Cost in Saudi Arabia

Monthly Rent Prices

Studio apartment monthly rent cost

1,200 SAR 1,800 SAR 4,800 SAR
MINIMUM AVERAGE MAXIMUM
$320 $480 $1,300

1-bedroom apartment monthly rent cost

1,800 SAR 2,900 SAR 7,100 SAR
MINIMUM AVERAGE MAXIMUM
$480 $760 $1,900

2-bedroom apartment monthly rent cost

2,400 SAR 3,600 SAR 9,500 SAR
MINIMUM AVERAGE MAXIMUM
$630 $950 $2,500

3-bedroom apartment monthly rent cost

2,900 SAR 4,800 SAR 13,000 SAR
MINIMUM AVERAGE MAXIMUM
$760 $1,300 $3,500

Furnished apartment monthly rent cost

5,700 SAR 14,000 SAR 29,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,500 $3,800 $7,600

Townhouse monthly rent cost

4,800 SAR 7,100 SAR 20,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,300 $1,900 $5,400

House monthly rent cost

5,700 SAR 14,000 SAR 29,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,500 $3,800 $7,600

Villa monthly rent cost

7,100 SAR 18,000 SAR 29,000 SAR
MINIMUM AVERAGE MAXIMUM
$1,900 $4,800 $7,600

The monthly rental cost of a studio apartment in Saudi Arabia ranges between 1,200 SAR and 4,800 SAR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,800 SAR to 7,100 SAR. Two-bedroom rentals rate ranges between 2,400 SAR and 9,500 SAR per month. The monthly rental for a three-bedroom apartment ranges from 2,900 SAR to 13,000 SAR. The average rent of a townhouse in Saudi Arabia is around 7,100 SAR while house rental costs can be as high as 14,000 SAR per month. Finally, if you want to rent a villa, expect to pay anywhere from 7,100 SAR to 29,000 SAR per month.



Apartment and house prices in Saudi Arabia

Cost of buying a property

Studio apartment price

240,000 SAR 360,000 SAR 710,000 SAR
MINIMUM AVERAGE MAXIMUM
$63,000 $95,000 $190,000

1-bedroom apartment price

290,000 SAR 480,000 SAR 1.8M SAR
MINIMUM AVERAGE MAXIMUM
$76,000 $130,000 $480,000

2-bedroom apartment price

480,000 SAR 1.4M SAR 2.9M SAR
MINIMUM AVERAGE MAXIMUM
$130,000 $380,000 $760,000

3-bedroom apartment price

1.6M SAR 2.4M SAR 7.1M SAR
MINIMUM AVERAGE MAXIMUM
$420,000 $630,000 $1.9M

Townhouse price

2M SAR 4.8M SAR 18M SAR
MINIMUM AVERAGE MAXIMUM
$540,000 $1.3M $4.8M

House price

2.4M SAR 14M SAR 20M SAR
MINIMUM AVERAGE MAXIMUM
$630,000 $3.8M $5.4M

Villa price

2.9M SAR 16M SAR 24M SAR
MINIMUM AVERAGE MAXIMUM
$760,000 $4.2M $6.3M

The average price of a studio apartment in Saudi Arabia can range from 240,000 SAR to 710,000 SAR depending on location. One bedroom cost can be anywhere from 290,000 SAR to 1.8M SAR. A villa can cost you 16M SAR on average with prices ranging from 2.9M SAR to 24M SAR.


If you're leasing or purchasing, housing costs in Saudi Arabia 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


47 x140 monthly income 224
MINIMUM AVERAGE MAXIMUM

Property prices in Saudi Arabia can be x140 to x224 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x140 multiples of the average monthly salary in Saudi Arabia.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


24% 34% of income 44%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Saudi Arabia is around 34%. This means that people pay 34% of their income for rent. Those figures can range from 24% to 44% 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.


20 SAR 260 SAR 2,600 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 Saudi Arabia

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Saudi Arabia

Utility Bill Cost / Electricity + Water + Gas / Family

350 SAR 1,000 SAR 6,600 SAR
MINIMUM AVERAGE MAXIMUM
$94 $270 $1,800

Internet and cable cost

71 SAR 140 SAR 190 SAR
MINIMUM AVERAGE MAXIMUM
$19 $38 $51

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 1,000 SAR. The cost of internet and WiFi ranges from 71 SAR to 190 SAR with 140 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% of income 8%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Saudi Arabia is around 4%. This means that people pay 4% of their income for energy, water, internet, and mobile charges. Those figures can range from 1% to 8% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Saudi Arabia

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


Prices and cost of goods and services in Saudi Arabia

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

Fast food combo meal price

14 SAR 29 SAR 48 SAR
MINIMUM AVERAGE MAXIMUM
$3.8 $7.6 $13

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

Restaurant meal for one price

48 SAR 71 SAR 140 SAR
MINIMUM AVERAGE MAXIMUM
$13 $19 $38

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 48 SAR and 140 SAR with 71 SAR being the average price of a plate for one person at a regular restaurant in Saudi Arabia.

Fine dining meal for one price

95 SAR 140 SAR 570 SAR
MINIMUM AVERAGE MAXIMUM
$25 $38 $150

The price range of a meal at fine-dining restaurant is 95 SAR to 570 SAR with the average cost being 140 SAR for one person. This is what you would expect to pay a top-tier diner in Saudi Arabia.

Beverage prices, cappuccino, latte etc..

12 SAR 19 SAR 29 SAR
MINIMUM AVERAGE MAXIMUM
$3.2 $5.1 $7.6

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



Grocery and market costs

Large bottle of milk price

9.5 SAR 11 SAR 14 SAR
MINIMUM AVERAGE MAXIMUM
$2.5 $3 $3.8

The average price of a large bottle of milk in Saudi Arabia is 11 SAR. The maximum what you would pay for milk is 14 SAR and the minimum being 9.5 SAR depending on the brand of milk and other properties.

12 eggs price

7.1 SAR 9.5 SAR 14 SAR
MINIMUM AVERAGE MAXIMUM
$1.9 $2.5 $3.8

A dozen eggs costs around 9.5 SAR on average with 7.1 SAR and 14 SAR being the lower and upper limits respectively.

Fresh whole chicken price

16 SAR 21 SAR 30 SAR
MINIMUM AVERAGE MAXIMUM
$4.3 $5.6 $7.9

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

Pack of beef price

19 SAR 29 SAR 57 SAR
MINIMUM AVERAGE MAXIMUM
$5.1 $7.6 $15

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

Medium bag of rice price

7.7 SAR 10 SAR 15 SAR
MINIMUM AVERAGE MAXIMUM
$2 $2.8 $4

A bag of rice in Saudi Arabia costs around 10 SAR on average with prices rangeing between 7.7 SAR and 15 SAR depending on the brand and quality.

Bag of tomatos price

2.9 SAR 3.8 SAR 7.1 SAR
MINIMUM AVERAGE MAXIMUM
$0.76 $1 $1.9

A bag of tomatoes costs anywhere from 2.9 SAR to 7.1 SAR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

5.1 SAR 6.7 SAR 11 SAR
MINIMUM AVERAGE MAXIMUM
$1.4 $1.8 $2.9

A bag of apples costs 6.7 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


16% 24% of income 30%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Saudi Arabia is around 24%. This means that families spend 24% of their income on grocery and basic household items. The expenditure can range from 16% to 30% depending on salary and location.


Expenditure on food and grocery for families

Families' spending on grocery ranges from 1,300 SAR to 24,000 SAR with the location, income, and size of the family being the most determinite factors.

evoeicarsraw©copound