Cost Of Living in Kunduz 2024

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

Whether you're living in Kunduz 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 Kunduz is 70,000 AFN. Expenses can range from 9,800 AFN at the minimum level to 470,000 AFN at the highest end.

Couples

The average monthly spending of couples in Kunduz is 120,000 AFN. Expenditure can range from 39,000 AFN to 620,000 AFN per month.

Families

The average cost of living for families in Kunduz is 160,000 AFN per month. Families spend anywhere from 54,000 AFN to 1M AFN.

Students

The average monthly expenditure for students in Kunduz is 52,000 AFN. Students spend from 7,800 AFN to 340,000 AFN per month.

Expenditure to Income Ratio in Kunduz

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 Kunduz is 77% This means that on average, people spend around 77% of their income for living. According to the distribution table, 14% of the population spend approximately 60% to 70% of their income every month.

Individual
69%
Spending-Income-Ratio

---

64%

77%

Couple
73%
Spending-Income-Ratio

---

67%

81%

Family
81%
Spending-Income-Ratio

---

74%

89%

How do people spend their money in Kunduz?

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

People living in Kunduz typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 30,000 AFN with expenditure ranging from 2,300 AFN to 300,000 AFN. 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 Kunduz ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 5,000 AFN with 390 AFN and 50,000 AFN 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 780 AFN to 100,000 AFN on commuting with 10,000 AFN 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%.

The average outlay on groceries in a month in Kunduz is 25,000 AFN. The cost of groceries can range between 1,900 AFN to 250,000 AFN. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.

People in Kunduz 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 540 AFN to 71,000 AFN with 7,100 AFN 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 310 AFN to 40,000 AFN with 4,000 AFN 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 6,100 AFN per month with 470 AFN being the minimum spent amount and 61,000 AFN being the maximum.

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

Almost 53% of the surveyed people in Kunduz said that they can save some money at the end of each month while 47% said that aren't saving anything.

Percentage of people saving money by population group in Kunduz

Saving to Income Ratio

Average Monthly Saved Amount

For most people, 10% to 28% of their monthly income is what they can allocate to their savings, with 16% being the average. The amount of money that people can save is approximately 31,000 AFN on average with savings ranging from 2,400 AFN to 310,000 AFN.

54% of surveyed singles reported some of their income going to savings while 49% of couples said the same. 44% of families confirmed their ability to save money.

How much money do people actually save in Kunduz?

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 30% of their monthly income to savings, with 20% being the average for most singles. The average amount of money that singles are able to save is 22,000 AFN with 2,400 AFN and 150,000 AFN 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 29% of their monthly income, with 18% being the average for most couples. The average amount of money that couples can save is 36,000 AFN with 12,000 AFN and 190,000 AFN 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 Kunduz can save anywhere between 9.1% to 25% of their monthly income, with 15% being the average for most families. The average amount of money that families can put aside is 48,000 AFN with 17,000 AFN and 310,000 AFN being the minimum and maximum respectively.

Saving Challenges in Kunduz

Reasons that make it difficult for people to save money

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

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. 12% 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. 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 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 Kunduz

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 Kunduz

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Kunduz?

Around 49% of surveyed residents think that living in Kunduz is affordable with proper budgeting while 51% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Kunduz

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 options52%

Few low-cost options48%

Based on the survey, 52% of the people living in Kunduz have no problem finding low-cost alternatives to support a frugal lifestyle while 48% 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 Kunduz whether they have an emergency fund and the answers were as follows.

Yes49%

No51%

Based on the survey, 51% of the people living in Kunduz said that they don't have an emergency fund while 49% said that they do.

Financial Literacy in Afghanistan

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 Leteracy49%

We asked residents of Afghanistan whether they acquired any adequate personal financial training in their lives. Approximately 51% 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 49% 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 Afghanistan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 41% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 59% said that they have everything under control.

Struggles with finance41%

Easily manages finances59%

Financial goals of people in Kunduz

In an attempt to understand the economic situation in Kunduz, 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 9% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 45% 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. 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 15% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Kunduz

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

Retirement age

The retirement age for most employees in Afghanistan 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 Kunduz about their retirement income sources and below are the results.

Retirement Monthly Expenses in Kunduz

Debt, loans, and mortgages in Kunduz

Percentage of people who are in debt

According to the survey, 24% of the people in Kunduz have some kind of debt, loan, mortgage, or credit card payments while 77% reported that they don't have financial obligations to banks.

Debt-to-income ratio in Kunduz

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 27% of the people's monthly income in Kunduz goes to debt settlement.

Debt levels

Monthly debt settlement payment as percentage of monthly income

According to our data, 3% of the debtors in Kunduz pay 60%+ of their income as debt settlement while 20% 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 9% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.

Distribution by type of debt in Kunduz

7% of debtors in Kunduz confirm that real estate mortgages constitutes the main part of their outstanding debt while 31% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 13% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Kunduz.

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 Kunduz

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

Rent Cost in Kunduz

Monthly Rent Prices

Studio apartment monthly rent cost

8,500 AFN

13,000 AFN

34,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$120

$170

$460

1-bedroom apartment monthly rent cost

13,000 AFN

20,000 AFN

51,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$170

$280

$690

2-bedroom apartment monthly rent cost

17,000 AFN

25,000 AFN

68,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$230

$350

$920

3-bedroom apartment monthly rent cost

20,000 AFN

34,000 AFN

93,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$280

$460

$1,300

Furnished apartment monthly rent cost

41,000 AFN

100,000 AFN

200,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$550

$1,400

$2,800

Townhouse monthly rent cost

34,000 AFN

51,000 AFN

150,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$460

$690

$2,000

House monthly rent cost

41,000 AFN

100,000 AFN

200,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$550

$1,400

$2,800

Villa monthly rent cost

51,000 AFN

130,000 AFN

200,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$690

$1,700

$2,800

The monthly rental cost of a studio apartment in Kunduz ranges between 8,500 AFN and 34,000 AFN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 13,000 AFN to 51,000 AFN. Two-bedroom rentals rate ranges between 17,000 AFN and 68,000 AFN per month. The monthly rental for a three-bedroom apartment ranges from 20,000 AFN to 93,000 AFN. The average rent of a townhouse in Kunduz is around 51,000 AFN while house rental costs can be as high as 100,000 AFN per month. Finally, if you want to rent a villa, expect to pay anywhere from 51,000 AFN to 200,000 AFN per month.

Apartment and house prices in Kunduz

Cost of buying a property

Studio apartment price

1.7M AFN

2.5M AFN

5.1M AFN

MINIMUM

AVERAGE

MAXIMUM

$23,000

$35,000

$69,000

1-bedroom apartment price

2M AFN

3.4M AFN

13M AFN

MINIMUM

AVERAGE

MAXIMUM

$28,000

$46,000

$170,000

2-bedroom apartment price

3.4M AFN

10M AFN

20M AFN

MINIMUM

AVERAGE

MAXIMUM

$46,000

$140,000

$280,000

3-bedroom apartment price

11M AFN

17M AFN

51M AFN

MINIMUM

AVERAGE

MAXIMUM

$150,000

$230,000

$690,000

Townhouse price

15M AFN

34M AFN

130M AFN

MINIMUM

AVERAGE

MAXIMUM

$200,000

$460,000

$1.7M

House price

17M AFN

100M AFN

150M AFN

MINIMUM

AVERAGE

MAXIMUM

$230,000

$1.4M

$2M

Villa price

20M AFN

110M AFN

170M AFN

MINIMUM

AVERAGE

MAXIMUM

$280,000

$1.5M

$2.3M

The average price of a studio apartment in Kunduz can range from 1.7M AFN to 5.1M AFN depending on location. One bedroom cost can be anywhere from 2M AFN to 13M AFN. A villa can cost you 110M AFN on average with prices ranging from 20M AFN to 170M AFN.

House / apartment prices to income ratio

Property prices in Kunduz can be x91 to x181 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x91 multiples of the average monthly salary in Kunduz.

Rent to income ratio

The average rent-to-income ratio in Kunduz is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 18% to 36% 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 Kunduz

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

Utility Bill Cost / Electricity + Water + Gas / Individual

590 AFN

4,200 AFN

28,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$8

$57

$380

Utility Bill Cost / Electricity + Water + Gas / Couple

1,600 AFN

5,200 AFN

34,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$21

$71

$470

Utility Bill Cost / Electricity + Water + Gas / Family

2,700 AFN

7,800 AFN

50,000 AFN

MINIMUM

AVERAGE

MAXIMUM

$37

$110

$690

Internet and cable cost

550 AFN

1,100 AFN

1,500 AFN

MINIMUM

AVERAGE

MAXIMUM

$7.5

$15

$20

Mobile phone bill and charges

440 AFN

740 AFN

2,200 AFN

MINIMUM

AVERAGE

MAXIMUM

$6

$10

$30

The average monthly expenditure for individuals on electricty, water, and gas in Kunduz ranges between 590 AFN and 28,000 AFN with average being 4,200 AFN, meanwhile the expenditure of couples is slightly higher at 5,200 AFN with 1,600 AFN and 34,000 AFN 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 7,800 AFN. The cost of internet and WiFi is unchanged among the three groups and ranges from 550 AFN to 1,500 AFN with 1,100 AFN being the average internet bill. Finally, the average monthly mobile charges is around 740 AFN but can range between 440 AFN and 2,200 AFN 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 Kunduz 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 2.7% to 9.1% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Kunduz

Prices and cost of goods and services in Kunduz

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

Fast food combo meal price

110 AFN

220 AFN

370 AFN

MINIMUM

AVERAGE

MAXIMUM

$1.5

$3

$5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Kunduz is approximatly 220 AFN with meal cost ranging from 110 AFN to 370 AFN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

350 AFN

530 AFN

1,100 AFN

MINIMUM

AVERAGE

MAXIMUM

$4.8

$7.2

$14

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 350 AFN and 1,100 AFN with 530 AFN being the average price of a plate for one person at a regular restaurant in Kunduz.

Fine dining meal for one price

710 AFN

1,100 AFN

4,300 AFN

MINIMUM

AVERAGE

MAXIMUM

$9.7

$14

$58

The price range of a meal at fine-dining restaurant is 710 AFN to 4,300 AFN with the average cost being 1,100 AFN for one person. This is what you would expect to pay a top-tier diner in Kunduz.

Beverage prices, cappuccino, latte etc..

92 AFN

150 AFN

220 AFN

MINIMUM

AVERAGE

MAXIMUM

$1.3

$2

$3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Kunduz is around 150 AFN. Price ranges between 92 AFN and 220 AFN depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

74 AFN

89 AFN

110 AFN

MINIMUM

AVERAGE

MAXIMUM

$1

$1.2

$1.5

The average price of a large bottle of milk in Kunduz is 89 AFN. The maximum what you would pay for milk is 110 AFN and the minimum being 74 AFN depending on the brand of milk and other properties.

12 eggs price

55 AFN

74 AFN

110 AFN

MINIMUM

AVERAGE

MAXIMUM

$0.75

$1

$1.5

A dozen eggs costs around 74 AFN on average with 55 AFN and 110 AFN being the lower and upper limits respectively.

Fresh whole chicken price

130 AFN

160 AFN

230 AFN

MINIMUM

AVERAGE

MAXIMUM

$1.7

$2.2

$3.1

The price range of a fresh whole chicken in Kunduz is between 130 AFN and 230 AFN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 160 AFN.

Pack of beef price

150 AFN

220 AFN

440 AFN

MINIMUM

AVERAGE

MAXIMUM

$2

$3

$6

The price of a regular pack of beef or meat is around 220 AFN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

60 AFN

81 AFN

120 AFN

MINIMUM

AVERAGE

MAXIMUM

$0.81

$1.1

$1.6

A bag of rice in Kunduz costs around 81 AFN on average with prices rangeing between 60 AFN and 120 AFN depending on the brand and quality.

Bag of tomatos price

22 AFN

30 AFN

55 AFN

MINIMUM

AVERAGE

MAXIMUM

$0.30

$0.40

$0.75

A bag of tomatoes costs anywhere from 22 AFN to 55 AFN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

40 AFN

52 AFN

85 AFN

MINIMUM

AVERAGE

MAXIMUM

$0.54

$0.71

$1.2

A bag of apples costs 52 AFN 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 Kunduz is around 24%. This means that people spend 24% of their income on grocery and basic household items. The expenditure can range from 17% to 30% depending on salary and location.

Expenditure on food and grocery for every population group

A single person living alone spends approximately 11,000 AFN per month on grocery and food with expenditure fluctuating between 1,600 AFN and 75,000 AFN depending on location and the type of person. The average cost of food and groceries for a couple is around 16,000 AFN per month. That number can be get as low as 5,400 AFN or a high as 87,000 AFN. Families' spending on grocery ranges from 9,800 AFN to 180,000 AFN 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 Kunduz

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

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

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