Cost Of Living For a Family in Sharjah 2025

Family cost of living chart - average monthly expenditure in Sharjah

Average monthly spending for families in Sharjah

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: AED
8,100 23,000 150,000
MINIMUM AVERAGE MAXIMUM
$2,200 $6,300 $41,000

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

Families in Sharjah spend around 23,000 AED per month on average. Depending on the lifestyle, a family can survive with a monthly budget as low as 8,100 AED or as high as 150,000 AED. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Sharjah


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

Dining, food, and beverages costs


Fast food combo meal

16 AED 31 AED 52 AED
MINIMUM AVERAGE MAXIMUM
$4.3 $8.5 $14

Restaurant meal for one

53 AED 80 AED 160 AED
MINIMUM AVERAGE MAXIMUM
$14 $22 $43

Fine dining meal for one

110 AED 160 AED 640 AED
MINIMUM AVERAGE MAXIMUM
$29 $43 $170

Cappuccino or latte

13 AED 21 AED 31 AED
MINIMUM AVERAGE MAXIMUM
$3.6 $5.7 $8.5

Grocery and market costs


Milk large bottle

10 AED 13 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.8 $3.4 $4.3

12 eggs

7.8 AED 10 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.1 $2.8 $4.3

Fresh whole chicken

18 AED 23 AED 33 AED
MINIMUM AVERAGE MAXIMUM
$4.8 $6.3 $8.9

Pack of beef

21 AED 31 AED 63 AED
MINIMUM AVERAGE MAXIMUM
$5.7 $8.5 $17

Medium bag of rice

8.4 AED 12 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.3 $3.1 $4.4

Bag of tomatos

3.1 AED 4.2 AED 7.8 AED
MINIMUM AVERAGE MAXIMUM
$0.85 $1.1 $2.1

Bag of apples

5.6 AED 7.3 AED 12 AED
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3.3
Chart showing the prices and cost of commute, travel, and transportation in Sharjah


Commute, travel, and transportation costs


20 minutes taxi ride

13 AED 16 AED 32 AED
MINIMUM AVERAGE MAXIMUM
$3.6 $4.3 $8.7

Average car full tank

78 AED 100 AED 210 AED
MINIMUM AVERAGE MAXIMUM
$21 $28 $57

Average car 1-day rental

81 AED 110 AED 160 AED
MINIMUM AVERAGE MAXIMUM
$22 $30 $44

Average car price

39,000 AED 78,000 AED 100,000 AED
MINIMUM AVERAGE MAXIMUM
$11,000 $21,000 $28,000

Bus ticket one way

2.7 AED 4.1 AED 8.1 AED
MINIMUM AVERAGE MAXIMUM
$0.74 $1.1 $2.2

Car Service

110 AED 160 AED 330 AED
MINIMUM AVERAGE MAXIMUM
$30 $44 $89
Chart showing the prices and cost of utility, energy, water, and gas in Sharjah


Utility cost (monthly)


Utility Bill - Family

410 AED 1,200 AED 7,600 AED
MINIMUM AVERAGE MAXIMUM
$110 $320 $2,100

Internet and cable

78 AED 160 AED 210 AED
MINIMUM AVERAGE MAXIMUM
$21 $43 $57

Mobile phone charges

63 AED 100 AED 310 AED
MINIMUM AVERAGE MAXIMUM
$17 $28 $85

Leisure and activities costs


Movie ticket

39 AED 52 AED 78 AED
MINIMUM AVERAGE MAXIMUM
$11 $14 $21

One month gym membership

130 AED 160 AED 330 AED
MINIMUM AVERAGE MAXIMUM
$35 $44 $89
Chart showing the prices and cost of clothing and accessories in Sharjah


Cloths and accessories costs


Pair of jeans or pants

96 AED 140 AED 200 AED
MINIMUM AVERAGE MAXIMUM
$26 $37 $55

Woman dress

90 AED 130 AED 410 AED
MINIMUM AVERAGE MAXIMUM
$25 $34 $110

Woman shoes

86 AED 120 AED 270 AED
MINIMUM AVERAGE MAXIMUM
$23 $32 $74

Men's shoes

74 AED 90 AED 180 AED
MINIMUM AVERAGE MAXIMUM
$20 $25 $49

Men suit

81 AED 100 AED 540 AED
MINIMUM AVERAGE MAXIMUM
$22 $28 $150

Regular t-shirt

41 AED 54 AED 160 AED
MINIMUM AVERAGE MAXIMUM
$11 $15 $44
Chart showing the prices and cost of housing, accommodation, and rent in Sharjah


Housing costs / monthly rent


Studio apartment

1,400 AED 2,000 AED 5,400 AED
MINIMUM AVERAGE MAXIMUM
$370 $550 $1,500

1-bedroom apartment

2,000 AED 3,300 AED 8,100 AED
MINIMUM AVERAGE MAXIMUM
$550 $890 $2,200

2-bedroom apartment

2,700 AED 4,100 AED 11,000 AED
MINIMUM AVERAGE MAXIMUM
$740 $1,100 $3,000

Housing costs / Buying


Studio apartment

270,000 AED 410,000 AED 810,000 AED
MINIMUM AVERAGE MAXIMUM
$74,000 $110,000 $220,000

1-bedroom apartment

330,000 AED 540,000 AED 2M AED
MINIMUM AVERAGE MAXIMUM
$89,000 $150,000 $550,000

2-bedroom apartment

540,000 AED 1.6M AED 3.3M AED
MINIMUM AVERAGE MAXIMUM
$150,000 $440,000 $890,000
Chart showing the prices and cost of furniture in Sharjah


Furniture Costs


King Size Bed

1,600 AED 2,000 AED 2,600 AED
MINIMUM AVERAGE MAXIMUM
$430 $530 $710

Double Bed

1,000 AED 1,600 AED 2,000 AED
MINIMUM AVERAGE MAXIMUM
$280 $430 $530

Single Bed

920 AED 1,200 AED 1,600 AED
MINIMUM AVERAGE MAXIMUM
$250 $330 $430

Living Room

1,700 AED 2,200 AED 7,800 AED
MINIMUM AVERAGE MAXIMUM
$470 $610 $2,100

Dining Table

780 AED 1,000 AED 2,000 AED
MINIMUM AVERAGE MAXIMUM
$210 $280 $530

Sofa or Couch

1,000 AED 1,400 AED 3,100 AED
MINIMUM AVERAGE MAXIMUM
$280 $390 $850
Chart showing the prices and cost of electronic devices and appliances in Sharjah


Electronics and House Appliance Costs


TV Set

1,000 AED 1,600 AED 3,100 AED
MINIMUM AVERAGE MAXIMUM
$280 $430 $850

Fridge or Freezer

920 AED 1,400 AED 2,000 AED
MINIMUM AVERAGE MAXIMUM
$250 $390 $530

Washing Machine

1,200 AED 1,700 AED 3,100 AED
MINIMUM AVERAGE MAXIMUM
$330 $470 $850

Stove or Cooker

1,100 AED 1,400 AED 2,000 AED
MINIMUM AVERAGE MAXIMUM
$300 $390 $530

Mobile Phone

1,300 AED 1,600 AED 2,200 AED
MINIMUM AVERAGE MAXIMUM
$360 $430 $610

Laptop or Computer

1,400 AED 1,700 AED 3,100 AED
MINIMUM AVERAGE MAXIMUM
$390 $470 $850
Family cost of living and expenditure to income ratio in Sharjah

Family expenditure to income ratio in Sharjah

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

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

95%

86% to 110%

( expenditure / income ) x 100


Families in Sharjah spend around 95% of their monthly income. Some families spend as low as 86% of their income while some as high as 110%.

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

How do families spend their money in Sharjah?

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 Cost29%

29% of total expenses on average (24% to 39%)

LOW$710   2,600 AED
AVERAGE$2,000   7,400 AED
HIGH$13,000   48,000 AED
Per Month

Families in Sharjah typically spend from 24% to 39% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 7,400 AED with expenditure ranging from 2,600 AED to 48,000 AED. 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$110   410 AED
AVERAGE$320   1,200 AED
HIGH$2,100   7,600 AED
Per Month

Utility expenditure like electricity, water, and gas in Sharjah ranges from 2% to 7% of total expenses with 4% being the average for most families. The average monthly cost of utilities is 1,200 AED with 410 AED and 7,600 AED being the upper and lower limits for a family of four.

Transport, fuel, and commute expenditure for families

Cost of transport and fuel7%

7% of total expenses on average (5% to 9%)

LOW$220   810 AED
AVERAGE$630   2,300 AED
HIGH$4,100   15,000 AED
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 810 AED to 15,000 AED in a month on commuting with 2,300 AED being the norm for most families. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 5% or as high as 9%.

Food, groceries, and basic shopping expenditure for families

Food and Groceries Cost19%

19% of total expenses on average (12% to 25%)

LOW$400   1,500 AED
AVERAGE$1,100   4,200 AED
HIGH$7,400   27,000 AED
Per Month

The average outlay on groceries and basic houshold items for a typical family in a month in Sharjah is 4,200 AED. The cost of groceries can range between 1,500 AED to 27,000 AED. Families spend on average about 19% on food and groceries with upper and lower bounds of 12% and 25% respectively.

Healthcare and medical services expenditure for families

Cost of healthcare9%

9% of total expenses on average (5% to 14%)

LOW$200   730 AED
AVERAGE$630   2,300 AED
HIGH$3,300   12,000 AED
Per Month

Families in Sharjah allocate 5% to 14% 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 9%. The range of medical expenses range from 730 AED to 12,000 AED with 2,300 AED 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$110   410 AED
AVERAGE$320   1,200 AED
HIGH$2,100   7,600 AED
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 410 AED to 7,600 AED with 1,200 AED 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$310   1,100 AED
AVERAGE$890   3,300 AED
HIGH$5,800   21,000 AED
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 3,300 AED per month with 1,100 AED being the minimum spent amount and 21,000 AED being the maximum.

Other Expenses14%

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

LOW$180   650 AED
AVERAGE$510   1,900 AED
HIGH$3,300   12,000 AED
Per Month
Percentage of families who manage to save money from their income every month in Sharjah

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


Percentage of families that reported their ability to save money


Saving Money
66%
Not Saving
34%

Almost 66% of surveyed families in Sharjah said that they can save some money at the end of each month while 34% reported that they have to utilize their whole income to survive.


Family savings to income ratio in Sharjah

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

9.8% 17% of income 30%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

3,200 AED
$880
9,300 AED
$2,500
60,000 AED
$16,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%35%
10% - 20%27%
20% - 30%20%
30% - 40%9%
40% - 50%7%
> 50%2%

Interpretation and Analysis

Families that are able to save money can put anywhere from 9.8% to 30% of their monthly income to their savings, with 17% being the average for most families. The average monthly amount of money that families can put aside is 9,300 AED with 3,200 AED and 60,000 AED being the minimum and maximum respectively.

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

Saving Challenges in Sharjah

Reasons that make it difficult for families to save money

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


Reason% People
Low Income7%
High Expenses10%
Debt and Loans19%
Lack of Budgeting Skills10%
Impulsive Spending9%
Financial Emergencies6%
Living the moment7%
Will do it later16%
Inflation10%
Social Pressure3%
Market Instability3%

Around 7% of the families said that their salary is too low to accommodate a portion for savings while 10% said that the high cost of living leaves little room for savings. 19% 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. 9% 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. 16% 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. 10% 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.

Where do families choose to put their savings in Sharjah

Typical saving choices for families in Sharjah

Where do people choose to put their savings?


Saving Type% People
Emergency Funds10%
Gold10%
Savings Accounts17%
Retirement Accounts12%
Cash Savings15%
Real Estate10%
Investment6%
Stocks6%
Bonds7%
Mutual Funds3%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical for families to live in Sharjah

Affordable living in Sharjah

Income and cost of living compatibility

We asked families one simple question and recorded their answers.

Is it affordable or economical to live in Sharjah?


Yes
83%
No
18%

Around 83% of surveyed families think that living in Sharjah is affordable with proper budgeting while 18% 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 Sharjah

Low-cost alternatives in Sharjah

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 options67%

Few low-cost options33%


Based on the survey, 67% of the families living in Sharjah have no problem finding low-cost alternatives to support a frugal lifestyle while 33% 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 Sharjah whether they have an emergency fund and the answers were as follows.

Yes81%

No19%


Based on the survey, 19% of the families living in Sharjah said that they don't have an emergency fund while 81% said that they do.

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

Financial Literacy in United Arab Emirates

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 Sharjah 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 United Arab Emirates have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 23% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 77% said that they have everything under control.

Struggles with finance23%

Easily manages finances77%

Financial goals and targets of families living in Sharjah

Financial goals of families in Sharjah

In an attempt to understand the economic situation in Sharjah, 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 Fund6%
Debt Reduction32%
Retirement Savings7%
Education Funding9%
Homeownership16%
Investing9%
Travel or Lifestyle11%
Healthcare Expenses8%
Financial Independence9%

Around 6% of families said that their main goal is to establish an emergency fund to cover unexpected expenses while 32% said their number one priority is to pay off high-interest debt or loans and improve credit. 7% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 9% reported that their priority is saving for the tuition fees and education costs of their children while 16% choose to buy a home or pay off existing mortgage before other things. 9% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 11% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 8% 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 Sharjah

Debt, loans, and mortgages in Sharjah


Percentage of families who are in debt


In Debt
26%
Debt Free
74%

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


Chart showing debt-to-income ratio in Sharjah

Debt-to-income ratio in Sharjah

Debt to income ratio

30%

22% to 41%

( 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 Sharjah goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%11%
40% - 50%11%
30% - 40%13%
20% - 30%16%
10% - 20%19%
0% - 10%28%

According to our data, 3% of the debtors in Sharjah pay 60%+ of their income as debt settlement while 11% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 11% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 13% dedicated 30% to 40% of income for same. Things are looking brighter for 16% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Sharjah

Debt% People
Real Estate Mortgage14%
Auto Loan23%
Student Loan3%
Credit Card24%
Personal Loan36%

14% of debtors in Sharjah confirm that real estate mortgages constitutes the main part of their outstanding debt while 24% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 23% of people and personal loans rose at 36%. Lastly, student loans are the main source of debt for 3% of debtors in Sharjah.


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 Sharjah

Besides measuring the loan-to-income ratio, we asked families of Sharjah 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
Never56%
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 Sharjah

Housing costs, accommodation, and housing affordability in Sharjah

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


Rent Cost in Sharjah

Monthly Rent Prices

Studio apartment monthly rent cost

1,400 AED 2,000 AED 5,400 AED
MINIMUM AVERAGE MAXIMUM
$370 $550 $1,500

1-bedroom apartment monthly rent cost

2,000 AED 3,300 AED 8,100 AED
MINIMUM AVERAGE MAXIMUM
$550 $890 $2,200

2-bedroom apartment monthly rent cost

2,700 AED 4,100 AED 11,000 AED
MINIMUM AVERAGE MAXIMUM
$740 $1,100 $3,000

3-bedroom apartment monthly rent cost

3,300 AED 5,400 AED 15,000 AED
MINIMUM AVERAGE MAXIMUM
$890 $1,500 $4,000

Furnished apartment monthly rent cost

6,500 AED 16,000 AED 33,000 AED
MINIMUM AVERAGE MAXIMUM
$1,800 $4,400 $8,900

Townhouse monthly rent cost

5,400 AED 8,100 AED 23,000 AED
MINIMUM AVERAGE MAXIMUM
$1,500 $2,200 $6,300

House monthly rent cost

6,500 AED 16,000 AED 33,000 AED
MINIMUM AVERAGE MAXIMUM
$1,800 $4,400 $8,900

Villa monthly rent cost

8,100 AED 20,000 AED 33,000 AED
MINIMUM AVERAGE MAXIMUM
$2,200 $5,500 $8,900

The monthly rental cost of a studio apartment in Sharjah ranges between 1,400 AED and 5,400 AED, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 2,000 AED to 8,100 AED. Two-bedroom rentals rate ranges between 2,700 AED and 11,000 AED per month. The monthly rental for a three-bedroom apartment ranges from 3,300 AED to 15,000 AED. The average rent of a townhouse in Sharjah is around 8,100 AED while house rental costs can be as high as 16,000 AED per month. Finally, if you want to rent a villa, expect to pay anywhere from 8,100 AED to 33,000 AED per month.



Apartment and house prices in Sharjah

Cost of buying a property

Studio apartment price

270,000 AED 410,000 AED 810,000 AED
MINIMUM AVERAGE MAXIMUM
$74,000 $110,000 $220,000

1-bedroom apartment price

330,000 AED 540,000 AED 2M AED
MINIMUM AVERAGE MAXIMUM
$89,000 $150,000 $550,000

2-bedroom apartment price

540,000 AED 1.6M AED 3.3M AED
MINIMUM AVERAGE MAXIMUM
$150,000 $440,000 $890,000

3-bedroom apartment price

1.8M AED 2.7M AED 8.1M AED
MINIMUM AVERAGE MAXIMUM
$490,000 $740,000 $2.2M

Townhouse price

2.3M AED 5.4M AED 20M AED
MINIMUM AVERAGE MAXIMUM
$630,000 $1.5M $5.5M

House price

2.7M AED 16M AED 23M AED
MINIMUM AVERAGE MAXIMUM
$740,000 $4.4M $6.3M

Villa price

3.3M AED 18M AED 27M AED
MINIMUM AVERAGE MAXIMUM
$890,000 $4.9M $7.4M

The average price of a studio apartment in Sharjah can range from 270,000 AED to 810,000 AED depending on location. One bedroom cost can be anywhere from 330,000 AED to 2M AED. A villa can cost you 18M AED on average with prices ranging from 3.3M AED to 27M AED.


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


43 x126 monthly income 228
MINIMUM AVERAGE MAXIMUM

Property prices in Sharjah can be x126 to x228 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x126 multiples of the average monthly salary in Sharjah.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


24% 35% of income 46%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Sharjah is around 35%. This means that people pay 35% of their income for rent. Those figures can range from 24% 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
2.3%
AVERAGE
3.3%
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.


23 AED 300 AED 3,000 AED
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 Sharjah

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Family

410 AED 1,200 AED 7,600 AED
MINIMUM AVERAGE MAXIMUM
$110 $320 $2,100

Internet and cable cost

78 AED 160 AED 210 AED
MINIMUM AVERAGE MAXIMUM
$21 $43 $57

Mobile phone bill and charges

63 AED 100 AED 310 AED
MINIMUM AVERAGE MAXIMUM
$17 $28 $85

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 1,200 AED. The cost of internet and WiFi ranges from 78 AED to 210 AED with 160 AED being the average internet bill. Finally, the average monthly mobile charges is around 100 AED but can range between 63 AED and 310 AED 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


2.2% 5.4% of income 9.8%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Sharjah is around 5.4%. This means that people pay 5.4% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.2% to 9.8% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Sharjah

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


Prices and cost of goods and services in Sharjah

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

Fast food combo meal price

16 AED 31 AED 52 AED
MINIMUM AVERAGE MAXIMUM
$4.3 $8.5 $14

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Sharjah is approximatly 31 AED with meal cost ranging from 16 AED to 52 AED. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

53 AED 80 AED 160 AED
MINIMUM AVERAGE MAXIMUM
$14 $22 $43

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 53 AED and 160 AED with 80 AED being the average price of a plate for one person at a regular restaurant in Sharjah.

Fine dining meal for one price

110 AED 160 AED 640 AED
MINIMUM AVERAGE MAXIMUM
$29 $43 $170

The price range of a meal at fine-dining restaurant is 110 AED to 640 AED with the average cost being 160 AED for one person. This is what you would expect to pay a top-tier diner in Sharjah.

Beverage prices, cappuccino, latte etc..

13 AED 21 AED 31 AED
MINIMUM AVERAGE MAXIMUM
$3.6 $5.7 $8.5

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Sharjah is around 21 AED. Price ranges between 13 AED and 31 AED depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

10 AED 13 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.8 $3.4 $4.3

The average price of a large bottle of milk in Sharjah is 13 AED. The maximum what you would pay for milk is 16 AED and the minimum being 10 AED depending on the brand of milk and other properties.

12 eggs price

7.8 AED 10 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.1 $2.8 $4.3

A dozen eggs costs around 10 AED on average with 7.8 AED and 16 AED being the lower and upper limits respectively.

Fresh whole chicken price

18 AED 23 AED 33 AED
MINIMUM AVERAGE MAXIMUM
$4.8 $6.3 $8.9

The price range of a fresh whole chicken in Sharjah is between 18 AED and 33 AED depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 23 AED.

Pack of beef price

21 AED 31 AED 63 AED
MINIMUM AVERAGE MAXIMUM
$5.7 $8.5 $17

The price of a regular pack of beef or meat is around 31 AED. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

8.4 AED 12 AED 16 AED
MINIMUM AVERAGE MAXIMUM
$2.3 $3.1 $4.4

A bag of rice in Sharjah costs around 12 AED on average with prices rangeing between 8.4 AED and 16 AED depending on the brand and quality.

Bag of tomatos price

3.1 AED 4.2 AED 7.8 AED
MINIMUM AVERAGE MAXIMUM
$0.85 $1.1 $2.1

A bag of tomatoes costs anywhere from 3.1 AED to 7.8 AED. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

5.6 AED 7.3 AED 12 AED
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3.3

A bag of apples costs 7.3 AED 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


20% 28% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Sharjah is around 28%. This means that families spend 28% of their income on grocery and basic household items. The expenditure can range from 20% to 35% depending on salary and location.


Expenditure on food and grocery for families

Families' spending on grocery ranges from 1,500 AED to 27,000 AED with the location, income, and size of the family being the most determinite factors.

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