Cost Of Living in Kyrgyzstan 2024
Average monthly spending for singles, couples, students, and families in Kyrgyzstan
Whether you're living in Kyrgyzstan 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 Expenditure20,000 KGS
per month$2201,500 KGS $17
$2,200 200,000 KGS
Single14,000 KGS
per month$1504,600 KGS $51
$1,000 91,000 KGS
Couple23,000 KGS
per month$2607,600 KGS $85
$1,400 120,000 KGS
Family30,000 KGS
per month$34011,000 KGS $120
$1,900 170,000 KGS
Student8,800 KGS
per month$983,500 KGS $39
$180 16,000 KGS
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Kyrgyzstan is 14,000 KGS. Expenses can range from 4,600 KGS at the minimum level to 91,000 KGS at the highest end.
Couples
The average monthly spending of couples in Kyrgyzstan is 23,000 KGS. Expenditure can range from 7,600 KGS to 120,000 KGS per month.
Families
The average cost of living for families in Kyrgyzstan is 30,000 KGS per month. Families spend anywhere from 11,000 KGS to 170,000 KGS.
Students
The average monthly expenditure for students in Kyrgyzstan is 8,800 KGS. Students spend from 3,500 KGS to 16,000 KGS 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 Kyrgyzstan
Dining, food, and beverages costs
Large bottle of water
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
Soda or Soft Drink
Cappuccino or latte Grocery and market costs
Milk large bottle
Loaf of bread
12 eggs
Fresh whole chicken
Beef 1 kg or 1 lb
Rice 1 kg or 1 lb
Tomato 1 kg or 1 lb
Apples 1 kg or 1 lb Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
Average car 1-day rental
Average car price | 49,000 KGS | 98,000 KGS | 130,000 KGS |
Bus ticket one way
Car Service Utility cost (monthly)
Utility Bill - Individual | 270 KGS | 820 KGS | 5,500 KGS |
Utility Bill - Couple | 380 KGS | 1,100 KGS | 6,100 KGS |
Utility Bill - Family | 320 KGS | 910 KGS | 5,000 KGS |
Internet and cable
Mobile phone charges Leisure and activities costs
Movie ticket
One month gym membership Cloths and accessories costs
Pair of jeans or pants
Woman dress
Woman shoes
Men's shoes
Men suit
Regular t-shirt Housing costs / monthly rent
Studio apartment | 1,600 KGS | 2,400 KGS | 6,500 KGS |
1-bedroom apartment | 2,400 KGS | 3,900 KGS | 9,800 KGS |
2-bedroom apartment | 3,300 KGS | 4,900 KGS | 13,000 KGS |
Housing costs / Buying
Studio apartment | 330,000 KGS | 490,000 KGS | 980,000 KGS |
1-bedroom apartment | 390,000 KGS | 650,000 KGS | 2.4M KGS |
2-bedroom apartment | 650,000 KGS | 2M KGS | 3.9M KGS |
Furniture Costs
King Size Bed | 2,000 KGS | 2,400 KGS | 3,300 KGS |
Double Bed | 1,300 KGS | 2,000 KGS | 2,400 KGS |
Single Bed | 1,100 KGS | 1,500 KGS | 2,000 KGS |
Living Room | 2,200 KGS | 2,800 KGS | 9,800 KGS |
Dining Table | 980 KGS | 1,300 KGS | 2,400 KGS |
Sofa or Couch | 1,300 KGS | 1,800 KGS | 3,900 KGS |
Electronics and House Appliance Costs
TV Set | 1,300 KGS | 2,000 KGS | 3,900 KGS |
Fridge or Freezer | 1,100 KGS | 1,800 KGS | 2,400 KGS |
Washing Machine | 1,500 KGS | 2,200 KGS | 3,900 KGS |
Stove or Cooker | 1,400 KGS | 1,800 KGS | 2,400 KGS |
Mobile Phone | 1,600 KGS | 2,000 KGS | 2,800 KGS |
Laptop or Computer | 1,800 KGS | 2,200 KGS | 3,900 KGS |
Expenditure to Income Ratio in Kyrgyzstan
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.
Spending to Income Ratio
88%
82% to 97%
( 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 Kyrgyzstan is 88%
This means that on average, people spend around 88% 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
79%
Spending-Income-Ratio
74%
87%
Couple
84%
Spending-Income-Ratio
78%
92%
Family
92%
Spending-Income-Ratio
86%
100%
How do people spend their money in Kyrgyzstan?
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 | $5.1 460 KGS |
| AVERAGE | $66 5,900 KGS |
| HIGH | $660 59,000 KGS |
| Per Month |
People living in Kyrgyzstan typically spend from 11% to 30% of their total monthly expenditure on housing with 22% being the average. The average spend on housing is 5,900 KGS with expenditure ranging from 460 KGS to 59,000 KGS. 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, Water8%
8% of total expenses on average (5% to 12%)
| LOW | $0.85 76 KGS |
| AVERAGE | $11 990 KGS |
| HIGH | $110 9,900 KGS |
| Per Month |
Utility expenditure like electricity, water, and gas in Kyrgyzstan ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 990 KGS with 76 KGS and 9,900 KGS being the upper and lower limits.
Transport, Fuel, Commute6%
6% of total expenses on average (3% to 10%)
| LOW | $1.7 150 KGS |
| AVERAGE | $22 2,000 KGS |
| HIGH | $220 20,000 KGS |
| 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 150 KGS to 20,000 KGS on commuting with 2,000 KGS 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 | $4.3 380 KGS |
| AVERAGE | $55 5,000 KGS |
| HIGH | $550 50,000 KGS |
| Per Month |
The average outlay on groceries in a month in Kyrgyzstan is 5,000 KGS. The cost of groceries can range between 380 KGS to 50,000 KGS. 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 | $1.2 110 KGS |
| AVERAGE | $16 1,400 KGS |
| HIGH | $160 14,000 KGS |
| Per Month |
People in Kyrgyzstan 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 110 KGS to 14,000 KGS with 1,400 KGS being the norm.
Leisure and Shopping4%
4% of total expenses on average (2% to 8%)
| LOW | $0.68 61 KGS |
| AVERAGE | $8.9 790 KGS |
| HIGH | $89 7,900 KGS |
| 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 61 KGS to 7,900 KGS with 790 KGS 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 | $1 91 KGS |
| AVERAGE | $13 1,200 KGS |
| HIGH | $130 12,000 KGS |
| 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 1,200 KGS per month with 91 KGS being the minimum spent amount and 12,000 KGS being the maximum.
Other Expenses15%
15% of total expenses on average (10% to 22%)
| LOW | $2.2 200 KGS |
| AVERAGE | $29 2,600 KGS |
| HIGH | $290 26,000 KGS |
| Per Month |
How much money can you save in Kyrgyzstan 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 Kyrgyzstan manage to save money from their income every month?
Almost 50% of the surveyed people in Kyrgyzstan said that they can save some money at the end of each month while 50% said that aren't saving anything.
Percentage of people saving money by population group in Kyrgyzstan
| Group | Savers | Non Savers |
|---|
| Singles | 56% | 44% |
| Couples | 51% | 49% |
| Families | 46% | 54% |
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.
Saving to Income Ratio
Average Monthly Saved Amount
430 KGS
$4.8 | 5,600 KGS
$63 | 56,000 KGS
$630 |
For most people, 7% to 27% of their monthly income is what they can allocate to their savings, with 13% being the average. The amount of money that people can save is approximately 5,600 KGS on average with savings ranging from 430 KGS to 56,000 KGS.
56% of surveyed singles reported some of their income going to savings while 51% of couples said the same. 46% of families confirmed their ability to save money.
How much money do people actually save in Kyrgyzstan?
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
Average Monthly Saved Amount
1,300 KGS
$14 | 3,900 KGS
$43 | 26,000 KGS
$290 |
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 10% to 29% of their monthly income to savings, with 17% being the average for most singles. The average amount of money that singles are able to save is 3,900 KGS with 1,300 KGS and 26,000 KGS being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
2,200 KGS
$24 | 6,500 KGS
$72 | 34,000 KGS
$390 |
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 8% to 28% of their monthly income, with 15% being the average for most couples. The average amount of money that couples can save is 6,500 KGS with 2,200 KGS and 34,000 KGS being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
3,000 KGS
$34 | 8,600 KGS
$96 | 47,000 KGS
$530 |
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 Kyrgyzstan can save anywhere between 7% to 26% of their monthly income, with 13% being the average for most families. The average amount of money that families can put aside is 8,600 KGS with 3,000 KGS and 47,000 KGS being the minimum and maximum respectively.
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.
Affordable living in Kyrgyzstan
Income and cost of living compatibility
We asked residents one simple question and recorded their answers.
Is it affordable or economical to live in Kyrgyzstan?
Around 42% of surveyed residents think that living in Kyrgyzstan is affordable with proper budgeting while 58% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Kyrgyzstan
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 Kyrgyzstan 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 Kyrgyzstan whether they have an emergency fund and the answers were as follows.
Yes40%
No60%
Based on the survey, 60% of the people living in Kyrgyzstan said that they don't have an emergency fund while 40% said that they do.
Financial Literacy in Kyrgyzstan
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 Leteracy37%
We asked residents of Kyrgyzstan whether they acquired any adequate personal financial training in their lives. Approximately 63% 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 37% 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 Kyrgyzstan have problems or difficulties in managing their expenditures and savings so asked the people one simple question: do you struggle with your personal finances? 61% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 39% said that they have everything under control.
Struggles with finance61%
Easily manages finances39%
Financial goals of people in Kyrgyzstan
In an attempt to understand the economic situation in Kyrgyzstan, 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 Fund | 9% |
| Debt Reduction | 46% |
| Retirement Savings | 11% |
| Education Funding | 6% |
| Homeownership | 19% |
| Investing | 6% |
| Travel or Lifestyle | 5% |
| Healthcare Expenses | 15% |
| Financial Independence | 4% |
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 46% 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 5% 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.
Saving Challenges in Kyrgyzstan
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Kyrgyzstan. Listed below are the answers given by the survey participants.
| Reason | % People |
|---|
| Low Income | 4% |
| High Expenses | 7% |
| Debt and Loans | 12% |
| Lack of Budgeting Skills | 12% |
| Impulsive Spending | 12% |
| Financial Emergencies | 7% |
| Living the moment | 5% |
| Will do it later | 22% |
| Inflation | 14% |
| Social Pressure | 2% |
| Market Instability | 2% |
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 2% said that social pressure and keeping up with peers or societal expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.
Typical saving choices for people in Kyrgyzstan
Where do people choose to put their savings?
| Saving Type | % People |
|---|
| Emergency Funds | 13% |
| Gold | 14% |
| Savings Accounts | 16% |
| Retirement Accounts | 9% |
| Cash Savings | 22% |
| Real Estate | 9% |
| Investment | 5% |
| Stocks | 3% |
| Bonds | 4% |
| Mutual Funds | 2% |
| Certificates of Deposit | 2% |
Retirement, pension plans, and life after work in Kyrgyzstan
What does the retirement lifestyle look like in Kyrgyzstan and how much retirement savings are required?
Retirement age
The retirement age for most employees in Kyrgyzstan 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:| Age | Amount |
|---|
| 25 | 5x monthly salary at age 25 |
| 30 | 10x monthly salary at age 30 |
| 35 | 15x monthly salary at age 35 |
| 40 | 25x monthly salary at age 40 |
| 45 | 32x monthly salary at age 45 |
| 50 | 48x monthly salary at age 50 |
| 55 | 56x monthly salary at age 55 |
| 60 | 64x monthly salary at age 60 |
| 65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Kyrgyzstan:| Age | Amount |
|---|
| 25 | 51,000 KGS |
| 30 | 100,000 KGS |
| 35 | 180,000 KGS |
| 40 | 250,000 KGS |
| 45 | 380,000 KGS |
| 50 | 530,000 KGS |
| 55 | 640,000 KGS |
| 60 | 790,000 KGS |
| 65 | 940,000 KGS |
Retirement Income Distribution
We asked residents of Kyrgyzstan about their retirement income sources and below are the results.
| Source | % People |
|---|
| Pensions | 11% |
| Savings | 24% |
| Investments | 11% |
| Social Security | 6% |
| Annuities | 6% |
| Part-time Job | 16% |
| Real Estate | 19% |
| Dividends and Interest | 6% |
Retirement Monthly Expenses in Kyrgyzstan 3,400 KGS
$38 | 10,000 KGS
$110 | 68,000 KGS
$760 |
Debt, loans, and mortgages in Kyrgyzstan
Percentage of people who are in debt
According to the survey, 34% of the people in Kyrgyzstan have some kind of debt, loan, mortgage, or credit card payments while 66% reported that they don't have financial obligations to banks.
Debt-to-income ratio in Kyrgyzstan
Debt to income ratio
33%
26% 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 Kyrgyzstan goes to debt settlement.
Debt levelsMonthly debt settlement payment as percentage of monthly income
| Debt-to-income ratio | % People |
|---|
| > 60% | 4% |
| 50% - 60% | 20% |
| 40% - 50% | 16% |
| 30% - 40% | 18% |
| 20% - 30% | 9% |
| 10% - 20% | 10% |
| 0% - 10% | 25% |
According to our data, 4% of the debtors in Kyrgyzstan 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. 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 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 Kyrgyzstan
| Debt | % People |
|---|
| Real Estate Mortgage | 7% |
| Auto Loan | 12% |
| Student Loan | 4% |
| Credit Card | 31% |
| Personal Loan | 45% |
7% of debtors in Kyrgyzstan 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 12% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Kyrgyzstan.
About credit score and debt managementManaging 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 Kyrgyzstan
Besides measuring the loan-to-income ratio, we asked residents of Kyrgyzstan 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 |
|---|
| Never | 49% |
| Once a year | 25% |
| Twice a year | 13% |
| Three times a year | 9% |
| Four times a year | 5% |
Housing costs, accommodation, and housing affordability in Kyrgyzstan
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Kyrgyzstan
Monthly Rent Prices
Studio apartment | 1,600 KGS | 2,400 KGS | 6,500 KGS |
1-bedroom apartment | 2,400 KGS | 3,900 KGS | 9,800 KGS |
2-bedroom apartment | 3,300 KGS | 4,900 KGS | 13,000 KGS |
3-bedroom apartment | 3,900 KGS | 6,500 KGS | 18,000 KGS |
Furnished apartment | 7,800 KGS | 20,000 KGS | 39,000 KGS |
Townhouse | 6,500 KGS | 9,800 KGS | 28,000 KGS |
House | 7,800 KGS | 20,000 KGS | 39,000 KGS |
Villa | 9,800 KGS | 24,000 KGS | 39,000 KGS |
The monthly rental cost of a studio apartment in Kyrgyzstan ranges between 1,600 KGS and 6,500 KGS, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 2,400 KGS to 9,800 KGS. Two-bedroom rentals rate ranges between 3,300 KGS and 13,000 KGS per month. The monthly rental for a three-bedroom apartment ranges from 3,900 KGS to 18,000 KGS. The average rent of a townhouse in Kyrgyzstan is around 9,800 KGS while house rental costs can be as high as 20,000 KGS per month. Finally, if you want to rent a villa, expect to pay anywhere from 9,800 KGS to 39,000 KGS per month.
Apartment and house prices in Kyrgyzstan
Cost of buying a property
Studio apartment | 330,000 KGS | 490,000 KGS | 980,000 KGS |
1-bedroom apartment | 390,000 KGS | 650,000 KGS | 2.4M KGS |
2-bedroom apartment | 650,000 KGS | 2M KGS | 3.9M KGS |
3-bedroom apartment | 2.2M KGS | 3.3M KGS | 9.8M KGS |
Townhouse | 2.8M KGS | 6.5M KGS | 24M KGS |
House | $36,000 | $220,000 | $310,000 |
Villa | $44,000 | $240,000 | $360,000 |
The average price of a studio apartment in Kyrgyzstan can range from 330,000 KGS to 980,000 KGS depending on location. One bedroom cost can be anywhere from 390,000 KGS to 2.4M KGS. A villa can cost you 22M KGS on average with prices ranging from 3.9M KGS to 33M KGS.
If you're leasing or purchasing, housing costs in Kyrgyzstan 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
| 27 | x74 monthly income | 184 |
Property prices in Kyrgyzstan can be x74 to x184 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x74 multiples of the average monthly salary in Kyrgyzstan.
Rent to income ratio
Rent to income ratio( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Kyrgyzstan is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 17% to 37% 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
25% 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.
SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Kyrgyzstan
Housing28%
28% of total expenses on average (16% to 40%)
| LOW | $18 1,600 KGS |
| AVERAGE | $55 4,900 KGS |
| HIGH | $370 33,000 KGS |
| Per Month |
Utilities, Electricity, Water9%
9% of total expenses on average (5% to 14%)
| LOW | $3.1 270 KGS |
| AVERAGE | $9.2 820 KGS |
| HIGH | $61 5,500 KGS |
| Per Month |
Transport, Fuel4%
4% of total expenses on average (2% to 10%)
| LOW | $4.1 370 KGS |
| AVERAGE | $12 1,100 KGS |
| HIGH | $82 7,300 KGS |
| Per Month |
Food and Groceries20%
20% of total expenses on average (14% to 25%)
| LOW | $8.2 730 KGS |
| AVERAGE | $25 2,200 KGS |
| HIGH | $160 15,000 KGS |
| Per Month |
Healthcare13%
13% of total expenses on average (7% to 17%)
| LOW | $4.6 410 KGS |
| AVERAGE | $14 1,200 KGS |
| HIGH | $92 8,200 KGS |
| Per Month |
Leisure, Shopping2%
2% of total expenses on average (2% to 5%)
| LOW | $2.6 230 KGS |
| AVERAGE | $7.7 690 KGS |
| HIGH | $51 4,600 KGS |
| Per Month |
Education1%
1% of total expenses on average (0.00% to 3%)
| LOW | $1 91 KGS |
| AVERAGE | $3.1 270 KGS |
| HIGH | $20 1,800 KGS |
| Per Month |
Other Expenses23%
23% of total expenses on average (15% to 27%)
| LOW | $9.2 820 KGS |
| AVERAGE | $28 2,500 KGS |
| HIGH | $180 16,000 KGS |
| Per Month |
CoupleAverage monthly living expenditure breaks and spending patterns for couples in Kyrgyzstan
Housing25%
25% of total expenses on average (18% to 35%)
| LOW | $28 2,500 KGS |
| AVERAGE | $84 7,500 KGS |
| HIGH | $450 40,000 KGS |
| Per Month |
Utilities, Electricity, Water8%
8% of total expenses on average (6% to 12%)
| LOW | $4.3 380 KGS |
| AVERAGE | $13 1,100 KGS |
| HIGH | $68 6,100 KGS |
| Per Month |
Transport, Fuel8%
8% of total expenses on average (2% to 13%)
| LOW | $10 910 KGS |
| AVERAGE | $31 2,700 KGS |
| HIGH | $160 15,000 KGS |
| Per Month |
Food and Groceries18%
18% of total expenses on average (13% to 23%)
| LOW | $12 1,100 KGS |
| AVERAGE | $36 3,200 KGS |
| HIGH | $190 17,000 KGS |
| Per Month |
Healthcare15%
15% of total expenses on average (9% to 19%)
| LOW | $9.4 840 KGS |
| AVERAGE | $28 2,500 KGS |
| HIGH | $150 13,000 KGS |
| Per Month |
Leisure, Shopping3%
3% of total expenses on average (1% to 6%)
| LOW | $5.1 460 KGS |
| AVERAGE | $15 1,400 KGS |
| HIGH | $82 7,300 KGS |
| Per Month |
Education1%
1% of total expenses on average (0.00% to 3%)
| LOW | $1.7 150 KGS |
| AVERAGE | $5.1 460 KGS |
| HIGH | $27 2,400 KGS |
| Per Month |
Other Expenses22%
22% of total expenses on average (16% to 28%)
| LOW | $14 1,300 KGS |
| AVERAGE | $43 3,900 KGS |
| HIGH | $230 21,000 KGS |
| Per Month |
FamilyAverage monthly expenses and break out of spending for families living in Kyrgyzstan
Housing24%
24% of total expenses on average (19% to 34%)
| LOW | $38 3,400 KGS |
| AVERAGE | $110 9,800 KGS |
| HIGH | $600 54,000 KGS |
| Per Month |
Transport, Fuel4%
4% of total expenses on average (2% to 6%)
| LOW | $9.5 850 KGS |
| AVERAGE | $27 2,400 KGS |
| HIGH | $150 13,000 KGS |
| Per Month |
Food and Groceries22%
22% of total expenses on average (15% to 28%)
| LOW | $21 1,900 KGS |
| AVERAGE | $61 5,500 KGS |
| HIGH | $340 30,000 KGS |
| Per Month |
Healthcare12%
12% of total expenses on average (8% to 17%)
| LOW | $9.5 850 KGS |
| AVERAGE | $27 2,400 KGS |
| HIGH | $150 13,000 KGS |
| Per Month |
Leisure, Shopping2%
2% of total expenses on average (1% to 6%)
| LOW | $6 530 KGS |
| AVERAGE | $17 1,500 KGS |
| HIGH | $94 8,400 KGS |
| Per Month |
Education13%
13% of total expenses on average (6% to 21%)
| LOW | $17 1,500 KGS |
| AVERAGE | $48 4,300 KGS |
| HIGH | $260 23,000 KGS |
| Per Month |
Other Expenses17%
17% of total expenses on average (10% to 22%)
| LOW | $14 1,300 KGS |
| AVERAGE | $41 3,700 KGS |
| HIGH | $220 20,000 KGS |
| Per Month |
StudentCost of living and expenses break down for students living in Kyrgyzstan
Housing16%
16% of total expenses on average (11% to 22%)
| LOW | $9.4 840 KGS |
| AVERAGE | $24 2,100 KGS |
| HIGH | $42 3,800 KGS |
| Per Month |
Utilities, Electricity, Water7%
7% of total expenses on average (5% to 11%)
| LOW | $1.6 140 KGS |
| AVERAGE | $3.9 350 KGS |
| HIGH | $7.1 630 KGS |
| Per Month |
Transport, Fuel3%
3% of total expenses on average (4% to 9%)
| LOW | $2.8 250 KGS |
| AVERAGE | $6.9 620 KGS |
| HIGH | $12 1,100 KGS |
| Per Month |
Food and Groceries24%
24% of total expenses on average (18% to 28%)
| LOW | $7.9 700 KGS |
| AVERAGE | $20 1,800 KGS |
| HIGH | $35 3,200 KGS |
| Per Month |
Healthcare10%
10% of total expenses on average (7% to 13%)
| LOW | $2.4 210 KGS |
| AVERAGE | $5.9 530 KGS |
| HIGH | $11 950 KGS |
| Per Month |
Leisure, Shopping2%
2% of total expenses on average (1% to 6%)
| LOW | $2 180 KGS |
| AVERAGE | $4.9 440 KGS |
| HIGH | $8.9 790 KGS |
| Per Month |
Education18%
18% of total expenses on average (11% to 23%)
| LOW | $7.5 670 KGS |
| AVERAGE | $19 1,700 KGS |
| HIGH | $34 3,000 KGS |
| Per Month |
Other Expenses20%
20% of total expenses on average (14% to 26%)
| LOW | $5.9 530 KGS |
| AVERAGE | $15 1,300 KGS |
| HIGH | $27 2,400 KGS |
| Per Month |
