Cost Of Living in Kampala 2024

Average monthly spending for singles, couples, students, and families in Kampala

Whether you're living in Kampala or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Singles

The average monthly expense for a single person living in Kampala is 2M UGX. Expenses can range from 270,000 UGX at the minimum level to 13M UGX at the highest end.

Couples

The average monthly spending of couples in Kampala is 3.3M UGX. Expenditure can range from 1.1M UGX to 17M UGX per month.

Families

The average cost of living for families in Kampala is 4.3M UGX per month. Families spend anywhere from 1.5M UGX to 28M UGX.

Students

The average monthly expenditure for students in Kampala is 1.4M UGX. Students spend from 220,000 UGX to 9.6M UGX per month.

Expenditure to Income Ratio in Kampala

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.

Expense to income distribution levels

Interpretation and Analysis

The average spending-to-salary ratio in Kampala is 93% This means that on average, people spend around 93% of their income for living. According to the distribution table, 15% of the population spend approximately 60% to 70% of their income every month.

Individual
84%
Spending-Income-Ratio

---

78%

93%

Couple
89%
Spending-Income-Ratio

---

83%

98%

Family
98%
Spending-Income-Ratio

---

91%

110%

How do people spend their money in Kampala?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

People living in Kampala typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 850,000 UGX with expenditure ranging from 65,000 UGX to 8.5M UGX. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utility expenditure like electricity, water, and gas in Kampala ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 140,000 UGX with 11,000 UGX and 1.4M UGX being the upper and lower limits.

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 22,000 UGX to 2.8M UGX on commuting with 280,000 UGX being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.

The average outlay on groceries in a month in Kampala is 710,000 UGX. The cost of groceries can range between 54,000 UGX to 7.1M UGX. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.

People in Kampala allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 15,000 UGX to 2M UGX with 200,000 UGX being the norm.

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 8,700 UGX to 1.1M UGX with 110,000 UGX being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 170,000 UGX per month with 13,000 UGX being the minimum spent amount and 1.7M UGX being the maximum.

How much money can you save in Kampala every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.

What percentage of people in Kampala manage to save money from their income every month?

Almost 62% of the surveyed people in Kampala said that they can save some money at the end of each month while 38% said that aren't saving anything.

Percentage of people saving money by population group in Kampala

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 9.8% to 32% of their monthly income is what they can allocate to their savings, with 17% being the average. The amount of money that people can save is approximately 890,000 UGX on average with savings ranging from 68,000 UGX to 8.9M UGX.

65% of surveyed singles reported some of their income going to savings while 59% of couples said the same. 54% of families confirmed their ability to save money.

How much money do people actually save in Kampala?

Singles

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for singles

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 13% to 34% of their monthly income to savings, with 22% being the average for most singles. The average amount of money that singles are able to save is 610,000 UGX with 68,000 UGX and 4.1M UGX being the minimum and maximum respectively.

Couples

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for couples

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 11% to 33% of their monthly income, with 20% being the average for most couples. The average amount of money that couples can save is 1M UGX with 340,000 UGX and 5.5M UGX being the minimum and maximum respectively.

Families

Saving to Income Ratio

Average Monthly Saved Amount

Savings to income distribution levels for families

Interpretation and Analysis

Families in Kampala can save anywhere between 8.7% to 29% of their monthly income, with 16% being the average for most families. The average amount of money that families can put aside is 1.4M UGX with 480,000 UGX and 8.9M UGX being the minimum and maximum respectively.

Saving Challenges in Kampala

Reasons that make it difficult for people to save money

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

Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% of the residents said that they are burdened with debt and find it challenging to save money. 12% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 21% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Typical saving choices for people in Kampala

Where do people choose to put their savings?

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

Affordable living in Kampala

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Kampala?

Around 58% of surveyed residents think that living in Kampala is affordable with proper budgeting while 43% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Kampala

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 residents 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 people living in Kampala 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.

Emergency Funds

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 residents of Kampala whether they have an emergency fund and the answers were as follows.

Yes56%

No44%

Based on the survey, 44% of the people living in Kampala said that they don't have an emergency fund while 56% said that they do.

Financial Literacy in Uganda

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 Leteracy48%

We asked residents of Uganda whether they acquired any adequate personal financial training in their lives. Approximately 52% 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 48% 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 residents of Uganda have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 46% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 54% said that they have everything under control.

Struggles with finance46%

Easily manages finances54%

Financial goals of people in Kampala

In an attempt to understand the economic situation in Kampala, 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.

Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 44% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Kampala

What does the retirement lifestyle look like in Kampala and how much retirement savings are required?

Retirement age

The retirement age for most employees in Uganda is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.

Retirement Income Distribution

We asked residents of Kampala about their retirement income sources and below are the results.

Retirement Monthly Expenses in Kampala

Debt, loans, and mortgages in Kampala

Percentage of people who are in debt

According to the survey, 32% of the people in Kampala have some kind of debt, loan, mortgage, or credit card payments while 69% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Kampala

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 34% of the people's monthly income in Kampala goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Kampala pay 60%+ of their income as debt settlement while 19% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Kampala

8% of debtors in Kampala confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 14% of people and personal loans rose at 44%. Lastly, student loans are the main source of debt for 4% of debtors in Kampala.

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 Kampala

Besides measuring the loan-to-income ratio, we asked residents of Kampala 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.

Housing costs, accommodation, and housing affordability in Kampala

Rent Cost in Kampala

Monthly Rent Prices

Studio apartment monthly rent cost

240,000 UGX

360,000 UGX

950,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$61

$91

$240

1-bedroom apartment monthly rent cost

360,000 UGX

570,000 UGX

1.4M UGX

MINIMUM

AVERAGE

MAXIMUM

$91

$150

$360

2-bedroom apartment monthly rent cost

480,000 UGX

710,000 UGX

1.9M UGX

MINIMUM

AVERAGE

MAXIMUM

$120

$180

$490

3-bedroom apartment monthly rent cost

570,000 UGX

950,000 UGX

2.6M UGX

MINIMUM

AVERAGE

MAXIMUM

$150

$240

$660

Furnished apartment monthly rent cost

1.1M UGX

2.9M UGX

5.7M UGX

MINIMUM

AVERAGE

MAXIMUM

$290

$730

$1,500

Townhouse monthly rent cost

950,000 UGX

1.4M UGX

4.1M UGX

MINIMUM

AVERAGE

MAXIMUM

$240

$360

$1,000

House monthly rent cost

1.1M UGX

2.9M UGX

5.7M UGX

MINIMUM

AVERAGE

MAXIMUM

$290

$730

$1,500

Villa monthly rent cost

1.4M UGX

3.6M UGX

5.7M UGX

MINIMUM

AVERAGE

MAXIMUM

$360

$910

$1,500

The monthly rental cost of a studio apartment in Kampala ranges between 240,000 UGX and 950,000 UGX, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 360,000 UGX to 1.4M UGX. Two-bedroom rentals rate ranges between 480,000 UGX and 1.9M UGX per month. The monthly rental for a three-bedroom apartment ranges from 570,000 UGX to 2.6M UGX. The average rent of a townhouse in Kampala is around 1.4M UGX while house rental costs can be as high as 2.9M UGX per month. Finally, if you want to rent a villa, expect to pay anywhere from 1.4M UGX to 5.7M UGX per month.

Apartment and house prices in Kampala

Cost of buying a property

Studio apartment price

48M UGX

71M UGX

140M UGX

MINIMUM

AVERAGE

MAXIMUM

$12,000

$18,000

$36,000

1-bedroom apartment price

57M UGX

95M UGX

360M UGX

MINIMUM

AVERAGE

MAXIMUM

$15,000

$24,000

$91,000

2-bedroom apartment price

95M UGX

290M UGX

570M UGX

MINIMUM

AVERAGE

MAXIMUM

$24,000

$73,000

$150,000

3-bedroom apartment price

320M UGX

480M UGX

1,400M UGX

MINIMUM

AVERAGE

MAXIMUM

$81,000

$120,000

$360,000

Townhouse price

410M UGX

950M UGX

3,600M UGX

MINIMUM

AVERAGE

MAXIMUM

$100,000

$240,000

$910,000

House price

480M UGX

2,900M UGX

4,100M UGX

MINIMUM

AVERAGE

MAXIMUM

$120,000

$730,000

$1M

Villa price

570M UGX

3,200M UGX

4,800M UGX

MINIMUM

AVERAGE

MAXIMUM

$150,000

$810,000

$1.2M

The average price of a studio apartment in Kampala can range from 48M UGX to 140M UGX depending on location. One bedroom cost can be anywhere from 57M UGX to 360M UGX. A villa can cost you 3,200M UGX on average with prices ranging from 570M UGX to 4,800M UGX.

House / apartment prices to income ratio

Property prices in Kampala can be x98 to x210 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x98 multiples of the average monthly salary in Kampala.

Rent to income ratio

The average rent-to-income ratio in Kampala is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 21% to 42% depending on the salary, location, and type of property.

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.

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.

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 Kampala

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

Utility Bill Cost / Electricity + Water + Gas / Individual

16,000 UGX

120,000 UGX

780,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$4.2

$30

$200

Utility Bill Cost / Electricity + Water + Gas / Couple

43,000 UGX

150,000 UGX

960,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$11

$37

$240

Utility Bill Cost / Electricity + Water + Gas / Family

76,000 UGX

220,000 UGX

1.4M UGX

MINIMUM

AVERAGE

MAXIMUM

$19

$55

$360

Internet and cable cost

13,000 UGX

26,000 UGX

35,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$3.3

$6.6

$8.8

Mobile phone bill and charges

10,000 UGX

17,000 UGX

52,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$2.6

$4.4

$13

The average monthly expenditure for individuals on electricty, water, and gas in Kampala ranges between 16,000 UGX and 780,000 UGX with average being 120,000 UGX, meanwhile the expenditure of couples is slightly higher at 150,000 UGX with 43,000 UGX and 960,000 UGX being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 220,000 UGX. The cost of internet and WiFi is unchanged among the three groups and ranges from 13,000 UGX to 35,000 UGX with 26,000 UGX being the average internet bill. Finally, the average monthly mobile charges is around 17,000 UGX but can range between 10,000 UGX and 52,000 UGX depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Kampala is around 6.5%. This means that people pay 6.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.3% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Kampala

Prices and cost of goods and services in Kampala

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

Fast food combo meal price

2,600 UGX

5,200 UGX

8,600 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.66

$1.3

$2.2

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kampala is approximatly 5,200 UGX with meal cost ranging from 2,600 UGX to 8,600 UGX. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

9,100 UGX

14,000 UGX

27,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$2.3

$3.5

$6.9

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 9,100 UGX and 27,000 UGX with 14,000 UGX being the average price of a plate for one person at a regular restaurant in Kampala.

Fine dining meal for one price

18,000 UGX

27,000 UGX

110,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$4.6

$6.9

$28

The price range of a meal at fine-dining restaurant is 18,000 UGX to 110,000 UGX with the average cost being 27,000 UGX for one person. This is what you would expect to pay a top-tier diner in Kampala.

Beverage prices, cappuccino, latte etc..

2,200 UGX

3,500 UGX

5,200 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.55

$0.88

$1.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kampala is around 3,500 UGX. Price ranges between 2,200 UGX and 5,200 UGX depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

1,700 UGX

2,100 UGX

2,600 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.44

$0.53

$0.66

The average price of a large bottle of milk in Kampala is 2,100 UGX. The maximum what you would pay for milk is 2,600 UGX and the minimum being 1,700 UGX depending on the brand of milk and other properties.

12 eggs price

1,300 UGX

1,700 UGX

2,600 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.33

$0.44

$0.66

A dozen eggs costs around 1,700 UGX on average with 1,300 UGX and 2,600 UGX being the lower and upper limits respectively.

Fresh whole chicken price

2,900 UGX

3,800 UGX

5,400 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.75

$0.97

$1.4

The price range of a fresh whole chicken in Kampala is between 2,900 UGX and 5,400 UGX depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 3,800 UGX.

Pack of beef price

3,500 UGX

5,200 UGX

10,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.88

$1.3

$2.6

The price of a regular pack of beef or meat is around 5,200 UGX. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

1,400 UGX

1,900 UGX

2,700 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.36

$0.49

$0.69

A bag of rice in Kampala costs around 1,900 UGX on average with prices rangeing between 1,400 UGX and 2,700 UGX depending on the brand and quality.

Bag of tomatos price

520 UGX

690 UGX

1,300 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.13

$0.18

$0.33

A bag of tomatoes costs anywhere from 520 UGX to 1,300 UGX. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

930 UGX

1,200 UGX

2,000 UGX

MINIMUM

AVERAGE

MAXIMUM

$0.24

$0.31

$0.51

A bag of apples costs 1,200 UGX on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Kampala is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 21% to 36% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 310,000 UGX per month on grocery and food with expenditure fluctuating between 44,000 UGX and 2.1M UGX depending on location and the type of person. The average cost of food and groceries for a couple is around 460,000 UGX per month. That number can be get as low as 150,000 UGX or a high as 2.4M UGX. Families' spending on grocery ranges from 270,000 UGX to 5.1M UGX with the location, income, and size of the family being the most determinite factors.

SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Kampala

CoupleAverage monthly living expenditure breaks and spending patterns for couples in Kampala

FamilyAverage monthly expenses and break out of spending for families living in Kampala

StudentCost of living and expenses break down for students living in Kampala