Cost Of Living in Kigali 2025

cost of living chart - average monthly expenditure in Kigali

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

Whether you're living in Kigali 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.

Average Monthly Expenditure

Currency: RWF
56,000 730,000 7.3M
MINIMUM AVERAGE MAXIMUM
$44 $570 $5,700

Monthly Expenditure ▶ Single

Currency: RWF
71,000 510,000 3.4M
MINIMUM AVERAGE MAXIMUM
$55 $400 $2,600

Monthly Expenditure ▶ Couple

Currency: RWF
280,000 840,000 4.5M
MINIMUM AVERAGE MAXIMUM
$220 $660 $3,500

Monthly Expenditure ▶ Family

Currency: RWF
390,000 1.1M 7.3M
MINIMUM AVERAGE MAXIMUM
$310 $880 $5,700

Monthly Expenditure ▶ Student

Currency: RWF
56,000 370,000 2.5M
MINIMUM AVERAGE MAXIMUM
$44 $290 $2,000
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Kigali is 510,000 RWF. Expenses can range from 71,000 RWF at the minimum level to 3.4M RWF at the highest end.


Couples

The average monthly spending of couples in Kigali is 840,000 RWF. Expenditure can range from 280,000 RWF to 4.5M RWF per month.


Families

The average cost of living for families in Kigali is 1.1M RWF per month. Families spend anywhere from 390,000 RWF to 7.3M RWF.


Students

The average monthly expenditure for students in Kigali is 370,000 RWF. Students spend from 56,000 RWF to 2.5M RWF per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.



Prices and cost of goods and services in Kigali


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

Dining, food, and beverages costs


Fast food combo meal

660 RWF 1,300 RWF 2,200 RWF
MINIMUM AVERAGE MAXIMUM
$0.52 $1 $1.7

Restaurant meal for one

2,300 RWF 3,500 RWF 7,000 RWF
MINIMUM AVERAGE MAXIMUM
$1.8 $2.7 $5.4

Fine dining meal for one

4,700 RWF 7,000 RWF 28,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.6 $5.4 $22

Cappuccino or latte

550 RWF 880 RWF 1,300 RWF
MINIMUM AVERAGE MAXIMUM
$0.43 $0.69 $1

Grocery and market costs


Milk large bottle

440 RWF 530 RWF 660 RWF
MINIMUM AVERAGE MAXIMUM
$0.35 $0.41 $0.52

12 eggs

330 RWF 440 RWF 660 RWF
MINIMUM AVERAGE MAXIMUM
$0.26 $0.35 $0.52

Fresh whole chicken

750 RWF 980 RWF 1,400 RWF
MINIMUM AVERAGE MAXIMUM
$0.59 $0.76 $1.1

Pack of beef

880 RWF 1,300 RWF 2,700 RWF
MINIMUM AVERAGE MAXIMUM
$0.69 $1 $2.1

Medium bag of rice

360 RWF 490 RWF 690 RWF
MINIMUM AVERAGE MAXIMUM
$0.28 $0.38 $0.54

Bag of tomatos

130 RWF 180 RWF 330 RWF
MINIMUM AVERAGE MAXIMUM
$0.10 $0.14 $0.26

Bag of apples

240 RWF 310 RWF 510 RWF
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.40
Chart showing the prices and cost of commute, travel, and transportation in Kigali

Commute, travel, and transportation costs


20 minutes taxi ride

580 RWF 700 RWF 1,400 RWF
MINIMUM AVERAGE MAXIMUM
$0.45 $0.54 $1.1

Average car full tank

3,300 RWF 4,400 RWF 8,800 RWF
MINIMUM AVERAGE MAXIMUM
$2.6 $3.5 $6.9

Average car 1-day rental

3,700 RWF 4,900 RWF 7,300 RWF
MINIMUM AVERAGE MAXIMUM
$2.9 $3.8 $5.7

Average car price

1.7M RWF 3.3M RWF 4.4M RWF
MINIMUM AVERAGE MAXIMUM
$1,300 $2,600 $3,500

Bus ticket one way

120 RWF 180 RWF 370 RWF
MINIMUM AVERAGE MAXIMUM
$0.10 $0.14 $0.29

Car Service

4,900 RWF 7,300 RWF 15,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.8 $5.7 $11
Chart showing the prices and cost of utility, energy, water, and gas for a family in Kigali

Utility cost (monthly)


Utility Bill - Individual

4,300 RWF 30,000 RWF 200,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.3 $24 $160

Utility Bill - Couple

11,000 RWF 38,000 RWF 250,000 RWF
MINIMUM AVERAGE MAXIMUM
$8.8 $30 $190

Utility Bill - Family

20,000 RWF 56,000 RWF 370,000 RWF
MINIMUM AVERAGE MAXIMUM
$15 $44 $290

Internet and cable

3,300 RWF 6,600 RWF 8,800 RWF
MINIMUM AVERAGE MAXIMUM
$2.6 $5.2 $6.9

Mobile phone charges

2,700 RWF 4,400 RWF 13,000 RWF
MINIMUM AVERAGE MAXIMUM
$2.1 $3.5 $10

Leisure and activities costs


Movie ticket

1,700 RWF 2,200 RWF 3,300 RWF
MINIMUM AVERAGE MAXIMUM
$1.3 $1.7 $2.6

One month gym membership

5,900 RWF 7,300 RWF 15,000 RWF
MINIMUM AVERAGE MAXIMUM
$4.6 $5.7 $11
Chart showing the prices and cost of clothing and accessories in Kigali

Cloths and accessories costs


Pair of jeans or pants

4,300 RWF 6,100 RWF 9,200 RWF
MINIMUM AVERAGE MAXIMUM
$3.4 $4.8 $7.1

Woman dress

4,100 RWF 5,600 RWF 18,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.2 $4.4 $14

Woman shoes

3,900 RWF 5,200 RWF 12,000 RWF
MINIMUM AVERAGE MAXIMUM
$3 $4.1 $9.5

Men's shoes

3,300 RWF 4,100 RWF 8,100 RWF
MINIMUM AVERAGE MAXIMUM
$2.6 $3.2 $6.4

Men suit

3,700 RWF 4,600 RWF 24,000 RWF
MINIMUM AVERAGE MAXIMUM
$2.9 $3.6 $19

Regular t-shirt

1,800 RWF 2,400 RWF 7,300 RWF
MINIMUM AVERAGE MAXIMUM
$1.4 $1.9 $5.7
Chart showing the prices and cost of housing, accommodation, and rent in Kigali

Housing costs / monthly rent


Studio apartment

61,000 RWF 92,000 RWF 240,000 RWF
MINIMUM AVERAGE MAXIMUM
$48 $71 $190

1-bedroom apartment

92,000 RWF 150,000 RWF 370,000 RWF
MINIMUM AVERAGE MAXIMUM
$71 $110 $290

2-bedroom apartment

120,000 RWF 180,000 RWF 490,000 RWF
MINIMUM AVERAGE MAXIMUM
$95 $140 $380

Housing costs / Buying


Studio apartment

12M RWF 18M RWF 37M RWF
MINIMUM AVERAGE MAXIMUM
$9,500 $14,000 $29,000

1-bedroom apartment

15M RWF 24M RWF 92M RWF
MINIMUM AVERAGE MAXIMUM
$11,000 $19,000 $71,000

2-bedroom apartment

24M RWF 73M RWF 150M RWF
MINIMUM AVERAGE MAXIMUM
$19,000 $57,000 $110,000
Chart showing the prices and cost of furniture in Kigali

Furniture Costs


King Size Bed

66,000 RWF 83,000 RWF 110,000 RWF
MINIMUM AVERAGE MAXIMUM
$52 $65 $86

Double Bed

44,000 RWF 66,000 RWF 83,000 RWF
MINIMUM AVERAGE MAXIMUM
$35 $52 $65

Single Bed

39,000 RWF 51,000 RWF 66,000 RWF
MINIMUM AVERAGE MAXIMUM
$30 $40 $52

Living Room

74,000 RWF 95,000 RWF 330,000 RWF
MINIMUM AVERAGE MAXIMUM
$58 $74 $260

Dining Table

33,000 RWF 44,000 RWF 83,000 RWF
MINIMUM AVERAGE MAXIMUM
$26 $35 $65

Sofa or Couch

44,000 RWF 60,000 RWF 130,000 RWF
MINIMUM AVERAGE MAXIMUM
$35 $47 $100
Chart showing the prices and cost of electronic devices and appliances in Kigali

Electronics and House Appliance Costs


TV Set

44,000 RWF 66,000 RWF 130,000 RWF
MINIMUM AVERAGE MAXIMUM
$35 $52 $100

Fridge or Freezer

39,000 RWF 60,000 RWF 83,000 RWF
MINIMUM AVERAGE MAXIMUM
$30 $47 $65

Washing Machine

51,000 RWF 74,000 RWF 130,000 RWF
MINIMUM AVERAGE MAXIMUM
$40 $58 $100

Stove or Cooker

47,000 RWF 60,000 RWF 83,000 RWF
MINIMUM AVERAGE MAXIMUM
$37 $47 $65

Mobile Phone

55,000 RWF 66,000 RWF 95,000 RWF
MINIMUM AVERAGE MAXIMUM
$43 $52 $74

Laptop or Computer

60,000 RWF 74,000 RWF 130,000 RWF
MINIMUM AVERAGE MAXIMUM
$47 $58 $100

Expenditure to Income Ratio in Kigali

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.

Cost of living and expenditure to income ratio in Kigali

Spending to Income Ratio

91%

83% to 100%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%3%
50% - 60%8%
60% - 70%14%
70% - 80%24%
80% - 90%22%
90% - 100%12%
100% - 110%6%
110% - 120%4%
120% - 130%3%
130% - 140%3%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Kigali is 91% This means that on average, people spend around 91% of their income for living. According to the distribution table, 14% of the population spend approximately 60% to 70% of their income every month.


How can spending be more than income?

A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.



Individual
82%
Spending-Income-Ratio
75%
90%

Couple
86%
Spending-Income-Ratio
79%
95%

Family
95%
Spending-Income-Ratio
88%
110%
Distribution of monthly cost of living expenses in Kigali

How do people spend their money in Kigali?

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

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 Expenditure22%

22% of total expenses on average (11% to 30%)

LOW$13   17,000 RWF
AVERAGE$170   220,000 RWF
HIGH$1,700   2.2M RWF
Per Month

People living in Kigali typically spend from 11% to 30% of their total monthly expenditure on housing with 22% being the average. The average spend on housing is 220,000 RWF with expenditure ranging from 17,000 RWF to 2.2M RWF. 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.

Utilities, Electricity, Water, Internet, Mobile8%

8% of total expenses on average (5% to 12%)

LOW$2.2   2,800 RWF
AVERAGE$29   37,000 RWF
HIGH$290   370,000 RWF
Per Month

Utility expenditure like electricity, water, and gas in Kigali ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 37,000 RWF with 2,800 RWF and 370,000 RWF being the upper and lower limits.

Transport, Fuel, Commute6%

6% of total expenses on average (3% to 10%)

LOW$4.4   5,600 RWF
AVERAGE$57   73,000 RWF
HIGH$570   730,000 RWF
Per Month

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 5,600 RWF to 730,000 RWF on commuting with 73,000 RWF being the norm for most people in one month. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 3% or as high as 10%.

Food and Groceries Cost29%

29% of total expenses on average (21% to 35%)

LOW$11   14,000 RWF
AVERAGE$140   180,000 RWF
HIGH$1,400   1.8M RWF
Per Month

The average outlay on groceries in a month in Kigali is 180,000 RWF. The cost of groceries can range between 14,000 RWF to 1.8M RWF. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

Healthcare and Medical Services11%

11% of total expenses on average (6% to 14%)

LOW$3.1   3,900 RWF
AVERAGE$40   51,000 RWF
HIGH$400   510,000 RWF
Per Month

People in Kigali allocate 6% to 14% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 11%. The range of medical expenses range from 3,900 RWF to 510,000 RWF with 51,000 RWF being the norm.

Leisure and Shopping4%

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

LOW$1.8   2,300 RWF
AVERAGE$23   29,000 RWF
HIGH$230   290,000 RWF
Per Month

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 2,300 RWF to 290,000 RWF with 29,000 RWF being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.

Education and Schooling5%

5% of total expenses on average (3% to 11%)

LOW$2.6   3,400 RWF
AVERAGE$34   44,000 RWF
HIGH$340   440,000 RWF
Per Month

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 44,000 RWF per month with 3,400 RWF being the minimum spent amount and 440,000 RWF being the maximum.

Other Expenses15%

15% of total expenses on average (10% to 22%)

LOW$5.7   7,300 RWF
AVERAGE$74   95,000 RWF
HIGH$740   950,000 RWF
Per Month
Percentage of people who manage to save money from their income every month in Kigali

How much money can you save in Kigali 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 Kigali manage to save money from their income every month?


Saving Money
61%
Not Saving
39%

Almost 61% of the surveyed people in Kigali said that they can save some money at the end of each month while 39% said that aren't saving anything.


Percentage of people saving money by population group in Kigali

GroupSaversNon Savers
Singles61%39%
Couples56%44%
Families51%49%

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.


Savings to income ratio in Kigali

Saving to Income Ratio

12% 20% of income 33%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

17,000 RWF
$13
220,000 RWF
$170
2.2M RWF
$1,700
MINIMUM AVERAGE MAXIMUM

For most people, 12% to 33% of their monthly income is what they can allocate to their savings, with 20% being the average. The amount of money that people can save is approximately 220,000 RWF on average with savings ranging from 17,000 RWF to 2.2M RWF.

61% of surveyed singles reported some of their income going to savings while 56% of couples said the same. 51% of families confirmed their ability to save money.


How much money do people actually save in Kigali?

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.


Singles

Saving to Income Ratio

15% 24% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

17,000 RWF
$13
150,000 RWF
$120
1M RWF
$790
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%34%
10% - 20%26%
20% - 30%17%
30% - 40%11%
40% - 50%9%
> 50%3%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 15% to 35% of their monthly income to savings, with 24% being the average for most singles. The average amount of money that singles are able to save is 150,000 RWF with 17,000 RWF and 1M RWF being the minimum and maximum respectively.


Couples

Saving to Income Ratio

13% 22% of income 34%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

85,000 RWF
$66
250,000 RWF
$200
1.4M RWF
$1,100
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%38%
10% - 20%28%
20% - 30%20%
30% - 40%6%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 13% to 34% of their monthly income, with 22% being the average for most couples. The average amount of money that couples can save is 250,000 RWF with 85,000 RWF and 1.4M RWF being the minimum and maximum respectively.


Families

Saving to Income Ratio

11% 18% of income 31%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

120,000 RWF
$93
340,000 RWF
$260
2.2M RWF
$1,700
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%41%
10% - 20%31%
20% - 30%21%
30% - 40%3%
40% - 50%3%
> 50%1%

Interpretation and Analysis

Families in Kigali can save anywhere between 11% to 31% of their monthly income, with 18% being the average for most families. The average amount of money that families can put aside is 340,000 RWF with 120,000 RWF and 2.2M RWF being the minimum and maximum respectively.

Reasons that make it difficult for people to save money in Kigali

Saving Challenges in Kigali

Reasons that make it difficult for people to save money

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


Reason% People
Low Income4%
High Expenses7%
Debt and Loans11%
Lack of Budgeting Skills12%
Impulsive Spending13%
Financial Emergencies7%
Living the moment5%
Will do it later22%
Inflation14%
Social Pressure2%
Market Instability2%

Around 4% of the people said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 11% 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. 13% 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. 22% 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. 14% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do people choose to put their savings in Kigali

Typical saving choices for people in Kigali

Where do people choose to put their savings?


Saving Type% People
Emergency Funds13%
Gold14%
Savings Accounts16%
Retirement Accounts9%
Cash Savings23%
Real Estate9%
Investment5%
Stocks3%
Bonds4%
Mutual Funds2%
Certificates of Deposit2%
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 to live in Kigali

Affordable living in Kigali

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Kigali?


Yes
54%
No
46%

Around 54% of surveyed residents think that living in Kigali is affordable with proper budgeting while 46% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting. Are there plenty of low-cost options in Kigali

Low-cost alternatives in Kigali

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 options59%

Few low-cost options41%


Based on the survey, 59% of the people living in Kigali have no problem finding low-cost alternatives to support a frugal lifestyle while 41% 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 Kigali whether they have an emergency fund and the answers were as follows.

Yes54%

No46%


Based on the survey, 46% of the people living in Kigali said that they don't have an emergency fund while 54% said that they do.

Financial literacy and difficulty in budgeting and financial planning in Kigali

Financial Literacy in Rwanda

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 Leteracy46%


We asked residents of Rwanda whether they acquired any adequate personal financial training in their lives. Approximately 54% 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 46% 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 Rwanda have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 44% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 56% said that they have everything under control.

Struggles with finance44%

Easily manages finances56%

Financial goals and targets of people living in Kigali

Financial goals of people in Kigali

In an attempt to understand the economic situation in Kigali, 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 Fund9%
Debt Reduction47%
Retirement Savings11%
Education Funding6%
Homeownership19%
Investing5%
Travel or Lifestyle5%
Healthcare Expenses16%
Financial Independence3%

Around 9% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 47% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 5% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 5% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 16% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Kigali

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

Retirement age

The retirement age for most employees in Rwanda 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.


The typical saved amount of money you should have at every age as multiples of monthly salary:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Kigali:
AgeAmount
251.9M RWF
303.8M RWF
356.7M RWF
409.5M RWF
4514M RWF
5020M RWF
5524M RWF
6030M RWF
6535M RWF

Retirement Income Distribution

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

Source% People
Pensions11%
Savings24%
Investments11%
Social Security6%
Annuities6%
Part-time Job17%
Real Estate19%
Dividends and Interest6%

Retirement Monthly Expenses in Kigali

42,000 RWF
$33
370,000 RWF
$290
2.5M RWF
$2,000
MINIMUM AVERAGE MAXIMUM
Chart showing the percentage of people who are in debt in Kigali

Debt, loans, and mortgages in Kigali


Percentage of people who are in debt


In Debt
29%
Debt Free
72%

According to the survey, 29% of the people in Kigali have some kind of debt, loan, mortgage, or credit card payments while 72% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Kigali

Debt-to-income ratio in Kigali

Debt to income ratio

33%

23% to 42%

( 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 33% of the people's monthly income in Kigali goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%4%
50% - 60%21%
40% - 50%16%
30% - 40%18%
20% - 30%8%
10% - 20%9%
0% - 10%24%

According to our data, 4% of the debtors in Kigali pay 60%+ of their income as debt settlement while 21% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 16% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 18% dedicated 30% to 40% of income for same. Things are looking brighter for 8% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Kigali

Debt% People
Real Estate Mortgage6%
Auto Loan12%
Student Loan4%
Credit Card32%
Personal Loan46%

6% of debtors in Kigali confirm that real estate mortgages constitutes the main part of their outstanding debt while 32% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 12% of people and personal loans rose at 46%. Lastly, student loans are the main source of debt for 4% of debtors in Kigali.


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 Kigali

Besides measuring the loan-to-income ratio, we asked residents of Kigali 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
Never48%
Once a year25%
Twice a year13%
Three times a year9%
Four times a year5%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Kigali

Housing costs, accommodation, and housing affordability in Kigali

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


Rent Cost in Kigali

Monthly Rent Prices

Studio apartment monthly rent cost

61,000 RWF 92,000 RWF 240,000 RWF
MINIMUM AVERAGE MAXIMUM
$48 $71 $190

1-bedroom apartment monthly rent cost

92,000 RWF 150,000 RWF 370,000 RWF
MINIMUM AVERAGE MAXIMUM
$71 $110 $290

2-bedroom apartment monthly rent cost

120,000 RWF 180,000 RWF 490,000 RWF
MINIMUM AVERAGE MAXIMUM
$95 $140 $380

3-bedroom apartment monthly rent cost

150,000 RWF 240,000 RWF 670,000 RWF
MINIMUM AVERAGE MAXIMUM
$110 $190 $520

Furnished apartment monthly rent cost

290,000 RWF 730,000 RWF 1.5M RWF
MINIMUM AVERAGE MAXIMUM
$230 $570 $1,100

Townhouse monthly rent cost

240,000 RWF 370,000 RWF 1M RWF
MINIMUM AVERAGE MAXIMUM
$190 $290 $820

House monthly rent cost

290,000 RWF 730,000 RWF 1.5M RWF
MINIMUM AVERAGE MAXIMUM
$230 $570 $1,100

Villa monthly rent cost

370,000 RWF 920,000 RWF 1.5M RWF
MINIMUM AVERAGE MAXIMUM
$290 $710 $1,100

The monthly rental cost of a studio apartment in Kigali ranges between 61,000 RWF and 240,000 RWF, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 92,000 RWF to 370,000 RWF. Two-bedroom rentals rate ranges between 120,000 RWF and 490,000 RWF per month. The monthly rental for a three-bedroom apartment ranges from 150,000 RWF to 670,000 RWF. The average rent of a townhouse in Kigali is around 370,000 RWF while house rental costs can be as high as 730,000 RWF per month. Finally, if you want to rent a villa, expect to pay anywhere from 370,000 RWF to 1.5M RWF per month.



Apartment and house prices in Kigali

Cost of buying a property

Studio apartment price

12M RWF 18M RWF 37M RWF
MINIMUM AVERAGE MAXIMUM
$9,500 $14,000 $29,000

1-bedroom apartment price

15M RWF 24M RWF 92M RWF
MINIMUM AVERAGE MAXIMUM
$11,000 $19,000 $71,000

2-bedroom apartment price

24M RWF 73M RWF 150M RWF
MINIMUM AVERAGE MAXIMUM
$19,000 $57,000 $110,000

3-bedroom apartment price

81M RWF 120M RWF 370M RWF
MINIMUM AVERAGE MAXIMUM
$64,000 $95,000 $290,000

Townhouse price

100M RWF 240M RWF 920M RWF
MINIMUM AVERAGE MAXIMUM
$82,000 $190,000 $710,000

House price

120M RWF 730M RWF 1,000M RWF
MINIMUM AVERAGE MAXIMUM
$95,000 $570,000 $820,000

Villa price

150M RWF 810M RWF 1,200M RWF
MINIMUM AVERAGE MAXIMUM
$110,000 $640,000 $950,000

The average price of a studio apartment in Kigali can range from 12M RWF to 37M RWF depending on location. One bedroom cost can be anywhere from 15M RWF to 92M RWF. A villa can cost you 810M RWF on average with prices ranging from 150M RWF to 1,200M RWF.


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


36 x102 monthly income 209
MINIMUM AVERAGE MAXIMUM

Property prices in Kigali can be x102 to x209 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x102 multiples of the average monthly salary in Kigali.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


21% 32% of income 42%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Kigali 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.


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
29%

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
1.9%
AVERAGE
2.9%
TO
3.8%

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.


1,100 RWF 15,000 RWF 150,000 RWF
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 Kigali

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

4,300 RWF 30,000 RWF 200,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.3 $24 $160

Utility Bill Cost / Electricity + Water + Gas / Couple

11,000 RWF 38,000 RWF 250,000 RWF
MINIMUM AVERAGE MAXIMUM
$8.8 $30 $190

Utility Bill Cost / Electricity + Water + Gas / Family

20,000 RWF 56,000 RWF 370,000 RWF
MINIMUM AVERAGE MAXIMUM
$15 $44 $290

Internet and cable cost

3,300 RWF 6,600 RWF 8,800 RWF
MINIMUM AVERAGE MAXIMUM
$2.6 $5.2 $6.9

Mobile phone bill and charges

2,700 RWF 4,400 RWF 13,000 RWF
MINIMUM AVERAGE MAXIMUM
$2.1 $3.5 $10

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 expenditure for individuals on electricty, water, and gas in Kigali ranges between 4,300 RWF and 200,000 RWF with average being 30,000 RWF, meanwhile the expenditure of couples is slightly higher at 38,000 RWF with 11,000 RWF and 250,000 RWF 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 56,000 RWF. The cost of internet and WiFi is unchanged among the three groups and ranges from 3,300 RWF to 8,800 RWF with 6,600 RWF being the average internet bill. Finally, the average monthly mobile charges is around 4,400 RWF but can range between 2,700 RWF and 13,000 RWF 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


3.2% 6.3% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Kigali is around 6.3%. This means that people pay 6.3% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.2% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Kigali

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


Prices and cost of goods and services in Kigali

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

Fast food combo meal price

660 RWF 1,300 RWF 2,200 RWF
MINIMUM AVERAGE MAXIMUM
$0.52 $1 $1.7

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kigali is approximatly 1,300 RWF with meal cost ranging from 660 RWF to 2,200 RWF. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

2,300 RWF 3,500 RWF 7,000 RWF
MINIMUM AVERAGE MAXIMUM
$1.8 $2.7 $5.4

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 2,300 RWF and 7,000 RWF with 3,500 RWF being the average price of a plate for one person at a regular restaurant in Kigali.

Fine dining meal for one price

4,700 RWF 7,000 RWF 28,000 RWF
MINIMUM AVERAGE MAXIMUM
$3.6 $5.4 $22

The price range of a meal at fine-dining restaurant is 4,700 RWF to 28,000 RWF with the average cost being 7,000 RWF for one person. This is what you would expect to pay a top-tier diner in Kigali.

Beverage prices, cappuccino, latte etc..

550 RWF 880 RWF 1,300 RWF
MINIMUM AVERAGE MAXIMUM
$0.43 $0.69 $1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kigali is around 880 RWF. Price ranges between 550 RWF and 1,300 RWF depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

440 RWF 530 RWF 660 RWF
MINIMUM AVERAGE MAXIMUM
$0.35 $0.41 $0.52

The average price of a large bottle of milk in Kigali is 530 RWF. The maximum what you would pay for milk is 660 RWF and the minimum being 440 RWF depending on the brand of milk and other properties.

12 eggs price

330 RWF 440 RWF 660 RWF
MINIMUM AVERAGE MAXIMUM
$0.26 $0.35 $0.52

A dozen eggs costs around 440 RWF on average with 330 RWF and 660 RWF being the lower and upper limits respectively.

Fresh whole chicken price

750 RWF 980 RWF 1,400 RWF
MINIMUM AVERAGE MAXIMUM
$0.59 $0.76 $1.1

The price range of a fresh whole chicken in Kigali is between 750 RWF and 1,400 RWF depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 980 RWF.

Pack of beef price

880 RWF 1,300 RWF 2,700 RWF
MINIMUM AVERAGE MAXIMUM
$0.69 $1 $2.1

The price of a regular pack of beef or meat is around 1,300 RWF. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

360 RWF 490 RWF 690 RWF
MINIMUM AVERAGE MAXIMUM
$0.28 $0.38 $0.54

A bag of rice in Kigali costs around 490 RWF on average with prices rangeing between 360 RWF and 690 RWF depending on the brand and quality.

Bag of tomatos price

130 RWF 180 RWF 330 RWF
MINIMUM AVERAGE MAXIMUM
$0.10 $0.14 $0.26

A bag of tomatoes costs anywhere from 130 RWF to 330 RWF. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

240 RWF 310 RWF 510 RWF
MINIMUM AVERAGE MAXIMUM
$0.18 $0.24 $0.40

A bag of apples costs 310 RWF 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% 29% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Kigali is around 29%. This means that people spend 29% 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 every population group

A single person living alone spends approximately 81,000 RWF per month on grocery and food with expenditure fluctuating between 11,000 RWF and 540,000 RWF depending on location and the type of person. The average cost of food and groceries for a couple is around 120,000 RWF per month. That number can be get as low as 39,000 RWF or a high as 630,000 RWF. Families' spending on grocery ranges from 71,000 RWF to 1.3M RWF with the location, income, and size of the family being the most determinite factors.


Single
Spending habits, consumption analysis, and expenditure patterns for a single person living in Kigali

Housing cost for a single person28%

28% of total expenses on average (16% to 40%)

LOW$20   26,000 RWF
AVERAGE$140   180,000 RWF
HIGH$950   1.2M RWF
Per Month

Utilities, Electricity, Water, Internet, Mobile9%

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

LOW$3.3   4,300 RWF
AVERAGE$24   30,000 RWF
HIGH$160   200,000 RWF
Per Month

Transport and Fuel Cost4%

4% of total expenses on average (2% to 10%)

LOW$4.4   5,700 RWF
AVERAGE$32   41,000 RWF
HIGH$210   270,000 RWF
Per Month

Food and Groceries Cost20%

20% of total expenses on average (14% to 25%)

LOW$8.9   11,000 RWF
AVERAGE$63   81,000 RWF
HIGH$420   540,000 RWF
Per Month

Healthcare Cost13%

13% of total expenses on average (7% to 17%)

LOW$5   6,400 RWF
AVERAGE$36   46,000 RWF
HIGH$240   300,000 RWF
Per Month

Leisure and Shopping Expenditure2%

2% of total expenses on average (2% to 5%)

LOW$2.8   3,500 RWF
AVERAGE$20   25,000 RWF
HIGH$130   170,000 RWF
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$1.1   1,400 RWF
AVERAGE$7.9   10,000 RWF
HIGH$53   68,000 RWF
Per Month

Other Expenses23%

23% of total expenses on average (15% to 27%)

LOW$10   13,000 RWF
AVERAGE$71   91,000 RWF
HIGH$470   610,000 RWF
Per Month


Couple
Average monthly living expenditure breaks and spending patterns for couples in Kigali

Housing cost for a couple25%

25% of total expenses on average (18% to 35%)

LOW$75   96,000 RWF
AVERAGE$220   290,000 RWF
HIGH$1,200   1.5M RWF
Per Month

Utilities, Electricity, Water, Internet, Mobile8%

8% of total expenses on average (6% to 12%)

LOW$8.8   11,000 RWF
AVERAGE$30   38,000 RWF
HIGH$190   250,000 RWF
Per Month

Transport and Fuel Cost8%

8% of total expenses on average (2% to 13%)

LOW$26   34,000 RWF
AVERAGE$79   100,000 RWF
HIGH$420   540,000 RWF
Per Month

Food and Groceries Cost18%

18% of total expenses on average (13% to 23%)

LOW$31   39,000 RWF
AVERAGE$92   120,000 RWF
HIGH$490   630,000 RWF
Per Month

Healthcare Cost15%

15% of total expenses on average (9% to 19%)

LOW$24   31,000 RWF
AVERAGE$73   93,000 RWF
HIGH$390   500,000 RWF
Per Month

Leisure and Shopping Cost3%

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

LOW$13   17,000 RWF
AVERAGE$40   51,000 RWF
HIGH$210   270,000 RWF
Per Month

Education Cost1%

1% of total expenses on average (0.00% to 3%)

LOW$4.4   5,600 RWF
AVERAGE$13   17,000 RWF
HIGH$70   90,000 RWF
Per Month

Other Expenses22%

22% of total expenses on average (16% to 28%)

LOW$37   48,000 RWF
AVERAGE$110   140,000 RWF
HIGH$600   770,000 RWF
Per Month


Family
Average monthly expenses and break out of spending for families living in Kigali

Housing cost for a family24%

24% of total expenses on average (19% to 34%)

LOW$98   130,000 RWF
AVERAGE$280   360,000 RWF
HIGH$1,800   2.3M RWF
Per Month

Utilities, Electricity, Water, Internet, Mobile6%

6% of total expenses on average (4% to 9%)

LOW$15   20,000 RWF
AVERAGE$44   56,000 RWF
HIGH$290   370,000 RWF
Per Month

Transport and Fuel Expenses4%

4% of total expenses on average (2% to 6%)

LOW$31   39,000 RWF
AVERAGE$88   110,000 RWF
HIGH$570   730,000 RWF
Per Month

Food and Groceries Cost22%

22% of total expenses on average (15% to 28%)

LOW$55   71,000 RWF
AVERAGE$160   200,000 RWF
HIGH$1,000   1.3M RWF
Per Month

Healthcare Expenses12%

12% of total expenses on average (8% to 17%)

LOW$28   35,000 RWF
AVERAGE$88   110,000 RWF
HIGH$460   590,000 RWF
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (1% to 6%)

LOW$15   20,000 RWF
AVERAGE$44   56,000 RWF
HIGH$290   370,000 RWF
Per Month

Education Cost13%

13% of total expenses on average (6% to 21%)

LOW$43   55,000 RWF
AVERAGE$120   160,000 RWF
HIGH$800   1M RWF
Per Month

Other Expenses17%

17% of total expenses on average (10% to 22%)

LOW$25   32,000 RWF
AVERAGE$70   90,000 RWF
HIGH$460   590,000 RWF
Per Month


Student
Cost of living and expenses break down for students living in Kigali

Housing costs for Student16%

16% of total expenses on average (11% to 22%)

LOW$11   14,000 RWF
AVERAGE$70   90,000 RWF
HIGH$470   600,000 RWF
Per Month

Utilities, Electricity, Water, Internet, and Mobile Expenses7%

7% of total expenses on average (5% to 11%)

LOW$1.8   2,300 RWF
AVERAGE$12   15,000 RWF
HIGH$78   100,000 RWF
Per Month

Transport and Fuel Cost3%

3% of total expenses on average (4% to 9%)

LOW$3.1   3,900 RWF
AVERAGE$20   26,000 RWF
HIGH$140   170,000 RWF
Per Month

Food and Groceries Expenditure24%

24% of total expenses on average (18% to 28%)

LOW$8.8   11,000 RWF
AVERAGE$59   75,000 RWF
HIGH$390   500,000 RWF
Per Month

Healthcare Cost10%

10% of total expenses on average (7% to 13%)

LOW$2.6   3,400 RWF
AVERAGE$18   22,000 RWF
HIGH$120   150,000 RWF
Per Month

Leisure and Shopping Cost2%

2% of total expenses on average (1% to 6%)

LOW$2.2   2,800 RWF
AVERAGE$15   19,000 RWF
HIGH$98   120,000 RWF
Per Month

Education Cost18%

18% of total expenses on average (11% to 23%)

LOW$8.3   11,000 RWF
AVERAGE$56   71,000 RWF
HIGH$370   470,000 RWF
Per Month

Other Expenses20%

20% of total expenses on average (14% to 26%)

LOW$6.6   8,400 RWF
AVERAGE$44   56,000 RWF
HIGH$290   370,000 RWF
Per Month
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