Cost Of Living in Saint Petersburg 2025

cost of living chart - average monthly expenditure in Saint Petersburg

Average monthly spending for singles, couples, students, and families in Saint Petersburg

Whether you're living in Saint Petersburg 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: RUB
12,000 120,000 1.9M
MINIMUM AVERAGE MAXIMUM
$140 $1,400 $21,000

Monthly Expenditure ▶ Single

Currency: RUB
16,000 120,000 1.3M
MINIMUM AVERAGE MAXIMUM
$180 $1,300 $14,000

Monthly Expenditure ▶ Couple

Currency: RUB
27,000 170,000 1.6M
MINIMUM AVERAGE MAXIMUM
$290 $1,900 $18,000

Monthly Expenditure ▶ Family

Currency: RUB
41,000 210,000 2.1M
MINIMUM AVERAGE MAXIMUM
$460 $2,300 $23,000

Monthly Expenditure ▶ Student

Currency: RUB
12,000 81,000 900,000
MINIMUM AVERAGE MAXIMUM
$140 $900 $10,000
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.

Prices and cost of goods and services in Saint Petersburg

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

Dining, food, and beverages costs


Fast food combo meal

130 RUB 270 RUB 440 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $2.9 $4.9

Restaurant meal for one

470 RUB 710 RUB 1,400 RUB
MINIMUM AVERAGE MAXIMUM
$5.2 $7.8 $16

Fine dining meal for one

890 RUB 1,300 RUB 5,300 RUB
MINIMUM AVERAGE MAXIMUM
$9.8 $15 $59

Cappuccino or latte

120 RUB 190 RUB 280 RUB
MINIMUM AVERAGE MAXIMUM
$1.3 $2 $3.1

Grocery and market costs


Milk large bottle

95 RUB 110 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.6

12 eggs

66 RUB 88 RUB 130 RUB
MINIMUM AVERAGE MAXIMUM
$0.73 $0.97 $1.5

Fresh whole chicken

160 RUB 210 RUB 300 RUB
MINIMUM AVERAGE MAXIMUM
$1.8 $2.3 $3.3

Pack of beef

200 RUB 300 RUB 600 RUB
MINIMUM AVERAGE MAXIMUM
$2.2 $3.3 $6.7

Medium bag of rice

70 RUB 95 RUB 130 RUB
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.5

Bag of tomatos

27 RUB 36 RUB 67 RUB
MINIMUM AVERAGE MAXIMUM
$0.30 $0.39 $0.74

Bag of apples

49 RUB 64 RUB 110 RUB
MINIMUM AVERAGE MAXIMUM
$0.54 $0.71 $1.2
Chart showing the prices and cost of commute, travel, and transportation in Saint Petersburg

Commute, travel, and transportation costs


20 minutes taxi ride

120 RUB 140 RUB 290 RUB
MINIMUM AVERAGE MAXIMUM
$1.3 $1.6 $3.2

Average car full tank

670 RUB 900 RUB 1,800 RUB
MINIMUM AVERAGE MAXIMUM
$7.4 $9.9 $20

Average car 1-day rental

600 RUB 800 RUB 1,200 RUB
MINIMUM AVERAGE MAXIMUM
$6.6 $8.8 $13

Average car price

310,000 RUB 620,000 RUB 830,000 RUB
MINIMUM AVERAGE MAXIMUM
$3,400 $6,900 $9,200

Bus ticket one way

21 RUB 31 RUB 62 RUB
MINIMUM AVERAGE MAXIMUM
$0.23 $0.34 $0.68

Car Service

860 RUB 1,300 RUB 2,600 RUB
MINIMUM AVERAGE MAXIMUM
$9.4 $14 $28
Chart showing the prices and cost of utility, energy, water, and gas in Saint Petersburg

Utility cost (monthly)


Utility Bill - Individual

780 RUB 5,600 RUB 62,000 RUB
MINIMUM AVERAGE MAXIMUM
$8.6 $61 $680

Utility Bill - Couple

820 RUB 6,000 RUB 68,000 RUB
MINIMUM AVERAGE MAXIMUM
$9.1 $66 $750

Utility Bill - Family

1,500 RUB 7,700 RUB 77,000 RUB
MINIMUM AVERAGE MAXIMUM
$17 $85 $850

Internet and cable

720 RUB 1,400 RUB 1,900 RUB
MINIMUM AVERAGE MAXIMUM
$7.9 $16 $21

Mobile phone charges

420 RUB 690 RUB 2,100 RUB
MINIMUM AVERAGE MAXIMUM
$4.6 $7.6 $23

Leisure and activities costs


Movie ticket

280 RUB 370 RUB 560 RUB
MINIMUM AVERAGE MAXIMUM
$3.1 $4.1 $6.1

One month gym membership

1,100 RUB 1,400 RUB 2,800 RUB
MINIMUM AVERAGE MAXIMUM
$12 $15 $30
Chart showing the prices and cost of clothing and accessories in Saint Petersburg

Cloths and accessories costs


Pair of jeans or pants

840 RUB 1,200 RUB 1,800 RUB
MINIMUM AVERAGE MAXIMUM
$9.3 $13 $20

Woman dress

830 RUB 1,100 RUB 3,700 RUB
MINIMUM AVERAGE MAXIMUM
$9.1 $13 $41

Woman shoes

700 RUB 950 RUB 2,200 RUB
MINIMUM AVERAGE MAXIMUM
$7.7 $10 $24

Men's shoes

630 RUB 770 RUB 1,500 RUB
MINIMUM AVERAGE MAXIMUM
$6.9 $8.5 $17

Men suit

720 RUB 900 RUB 4,800 RUB
MINIMUM AVERAGE MAXIMUM
$7.9 $9.9 $53

Regular t-shirt

370 RUB 500 RUB 1,500 RUB
MINIMUM AVERAGE MAXIMUM
$4.1 $5.5 $16
Chart showing the prices and cost of housing, accommodation, and rent in Saint Petersburg

Housing costs / monthly rent


Studio apartment

14,000 RUB 21,000 RUB 56,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $230 $610

1-bedroom apartment

22,000 RUB 35,000 RUB 86,000 RUB
MINIMUM AVERAGE MAXIMUM
$240 $380 $950

2-bedroom apartment

30,000 RUB 45,000 RUB 120,000 RUB
MINIMUM AVERAGE MAXIMUM
$330 $490 $1,300

Housing costs / Buying


Studio apartment

3M RUB 4.5M RUB 9M RUB
MINIMUM AVERAGE MAXIMUM
$33,000 $49,000 $99,000

1-bedroom apartment

3.7M RUB 6.2M RUB 23M RUB
MINIMUM AVERAGE MAXIMUM
$41,000 $68,000 $260,000

2-bedroom apartment

5.6M RUB 17M RUB 33M RUB
MINIMUM AVERAGE MAXIMUM
$61,000 $180,000 $370,000
Chart showing the prices and cost of furniture in Saint Petersburg

Furniture Costs


King Size Bed

13,000 RUB 16,000 RUB 22,000 RUB
MINIMUM AVERAGE MAXIMUM
$140 $180 $240

Double Bed

9,100 RUB 14,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $150 $190

Single Bed

8,300 RUB 11,000 RUB 14,000 RUB
MINIMUM AVERAGE MAXIMUM
$92 $120 $160

Living Room

16,000 RUB 21,000 RUB 73,000 RUB
MINIMUM AVERAGE MAXIMUM
$180 $230 $810

Dining Table

6,600 RUB 8,800 RUB 16,000 RUB
MINIMUM AVERAGE MAXIMUM
$72 $96 $180

Sofa or Couch

9,100 RUB 12,000 RUB 27,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $140 $300
Chart showing the prices and cost of electronic devices and appliances in Saint Petersburg

Electronics and House Appliance Costs


TV Set

9,200 RUB 14,000 RUB 27,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $150 $300

Fridge or Freezer

8,400 RUB 13,000 RUB 18,000 RUB
MINIMUM AVERAGE MAXIMUM
$92 $140 $200

Washing Machine

9,800 RUB 14,000 RUB 26,000 RUB
MINIMUM AVERAGE MAXIMUM
$110 $160 $280

Stove or Cooker

9,500 RUB 12,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $130 $180

Mobile Phone

11,000 RUB 14,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$130 $150 $220

Laptop or Computer

13,000 RUB 16,000 RUB 29,000 RUB
MINIMUM AVERAGE MAXIMUM
$140 $170 $310

Expenditure to Income Ratio in Saint Petersburg

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 Saint Petersburg

Spending to Income Ratio

100%

94% to 120%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%5%
50% - 60%10%
60% - 70%17%
70% - 80%26%
80% - 90%17%
90% - 100%10%
100% - 110%5%
110% - 120%3%
120% - 130%2%
130% - 140%2%
> 140%1%

Interpretation and Analysis

The average spending-to-salary ratio in Saint Petersburg is 100% This means that on average, people spend around 100% of their income for living. According to the distribution table, 17% 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
97%
Spending-Income-Ratio
88%
110%

Couple
110%
Spending-Income-Ratio
96%
120%

Family
110%
Spending-Income-Ratio
95%
120%
How easily is cost-cutting. Are there plenty of low-cost options in Saint Petersburg

Low-cost alternatives in Saint Petersburg

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 options58%

Few low-cost options42%


Based on the survey, 58% of the people living in Saint Petersburg have no problem finding low-cost alternatives to support a frugal lifestyle while 42% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Retirement, pension plans, and life after work in Saint Petersburg

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

Retirement age

The retirement age for most employees in 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 Saint Petersburg:
AgeAmount
25250,000 RUB
30520,000 RUB
35940,000 RUB
401.4M RUB
451.9M RUB
502.7M RUB
553.4M RUB
604.3M RUB
654.6M RUB

Retirement Income Distribution

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

Source% People
Pensions13%
Savings22%
Investments13%
Social Security8%
Annuities8%
Part-time Job12%
Real Estate17%
Dividends and Interest8%

Retirement Monthly Expenses in Saint Petersburg

9,400 RUB
$100
85,000 RUB
$940
940,000 RUB
$10,000
MINIMUM AVERAGE MAXIMUM
Percentage of people who manage to save money from their income every month in Saint Petersburg

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


Saving Money
72%
Not Saving
29%

Almost 72% of the surveyed people in Saint Petersburg said that they can save some money at the end of each month while 29% said that aren't saving anything.


Percentage of people saving money by population group in Saint Petersburg

GroupSaversNon Savers
Singles76%24%
Couples76%24%
Families65%36%

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 Saint Petersburg

Saving to Income Ratio

15% 26% of income 41%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,800 RUB
$53
48,000 RUB
$530
720,000 RUB
$7,900
MINIMUM AVERAGE MAXIMUM

For most people, 15% to 41% of their monthly income is what they can allocate to their savings, with 26% being the average. The amount of money that people can save is approximately 48,000 RUB on average with savings ranging from 4,800 RUB to 720,000 RUB.

76% of surveyed singles reported some of their income going to savings while 76% of couples said the same. 65% of families confirmed their ability to save money.


How much money do people actually save in Saint Petersburg?

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

19% 31% of income 44%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,400 RUB
$49
40,000 RUB
$440
440,000 RUB
$4,900
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%30%
10% - 20%24%
20% - 30%16%
30% - 40%15%
40% - 50%11%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 19% to 44% of their monthly income to savings, with 31% being the average for most singles. The average amount of money that singles are able to save is 40,000 RUB with 4,400 RUB and 440,000 RUB being the minimum and maximum respectively.


Couples

Saving to Income Ratio

17% 29% of income 44%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

9,200 RUB
$100
60,000 RUB
$660
550,000 RUB
$6,100
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%34%
10% - 20%26%
20% - 30%19%
30% - 40%10%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 17% to 44% of their monthly income, with 29% being the average for most couples. The average amount of money that couples can save is 60,000 RUB with 9,200 RUB and 550,000 RUB being the minimum and maximum respectively.


Families

Saving to Income Ratio

13% 23% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

14,000 RUB
$160
72,000 RUB
$790
720,000 RUB
$7,900
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%37%
10% - 20%29%
20% - 30%20%
30% - 40%7%
40% - 50%5%
> 50%2%

Interpretation and Analysis

Families in Saint Petersburg can save anywhere between 13% to 35% of their monthly income, with 23% being the average for most families. The average amount of money that families can put aside is 72,000 RUB with 14,000 RUB and 720,000 RUB being the minimum and maximum respectively.

Reasons that make it difficult for people to save money in Saint Petersburg

Saving Challenges in Saint Petersburg

Reasons that make it difficult for people to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans16%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later18%
Inflation12%
Social Pressure3%
Market Instability3%

Around 6% of the people said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 16% of the residents said that they are burdened with debt and find it challenging to save money. 11% 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. 10% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% 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. 12% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Saint Petersburg is 120,000 RUB. Expenses can range from 16,000 RUB at the minimum level to 1.3M RUB at the highest end.


Couples

The average monthly spending of couples in Saint Petersburg is 170,000 RUB. Expenditure can range from 27,000 RUB to 1.6M RUB per month.


Families

The average cost of living for families in Saint Petersburg is 210,000 RUB per month. Families spend anywhere from 41,000 RUB to 2.1M RUB.


Students

The average monthly expenditure for students in Saint Petersburg is 81,000 RUB. Students spend from 12,000 RUB to 900,000 RUB per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
Income and cost of living compatibility. Is it affordable or economical to live in Saint Petersburg

Affordable living in Saint Petersburg

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Saint Petersburg?


Yes
61%
No
39%

Around 61% of surveyed residents think that living in Saint Petersburg is affordable with proper budgeting while 39% reported that it is just too expensive and not affordable even with frugality and thriftness.

Financial literacy and difficulty in budgeting and financial planning in Saint Petersburg

Financial Literacy in

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 Leteracy56%


We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 44% 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 56% 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 have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 40% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 60% said that they have everything under control.

Struggles with finance40%

Easily manages finances60%

Where do people choose to put their savings in Saint Petersburg

Typical saving choices for people in Saint Petersburg

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings18%
Real Estate10%
Investment6%
Stocks5%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%

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

Yes59%

No41%


Based on the survey, 41% of the people living in Saint Petersburg said that they don't have an emergency fund while 59% said that they do.

Distribution of monthly cost of living expenses in Saint Petersburg

How do people spend their money in Saint Petersburg?

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 Expenditure26%

26% of total expenses on average (15% to 34%)

LOW$41   3,700 RUB
AVERAGE$410   37,000 RUB
HIGH$6,100   560,000 RUB
Per Month

People living in Saint Petersburg typically spend from 15% to 34% of their total monthly expenditure on housing with 26% being the average. The average spend on housing is 37,000 RUB with expenditure ranging from 3,700 RUB to 560,000 RUB. 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, Mobile7%

7% of total expenses on average (4% to 11%)

LOW$5.7   520 RUB
AVERAGE$57   5,200 RUB
HIGH$850   77,000 RUB
Per Month

Utility expenditure like electricity, water, and gas in Saint Petersburg ranges from 4% to 11% of total expenses with 7% being the average. The average monthly cost of utilities is 5,200 RUB with 520 RUB and 77,000 RUB being the upper and lower limits.

Transport, Fuel, Commute8%

8% of total expenses on average (4% to 12%)

LOW$13   1,200 RUB
AVERAGE$130   12,000 RUB
HIGH$1,900   170,000 RUB
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 1,200 RUB to 170,000 RUB on commuting with 12,000 RUB being the norm for most people in one month. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 4% or as high as 12%.

Food and Groceries Cost27%

27% of total expenses on average (19% to 33%)

LOW$31   2,800 RUB
AVERAGE$310   28,000 RUB
HIGH$4,600   420,000 RUB
Per Month

The average outlay on groceries in a month in Saint Petersburg is 28,000 RUB. The cost of groceries can range between 2,800 RUB to 420,000 RUB. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

Healthcare and Medical Services9%

9% of total expenses on average (4% to 12%)

LOW$7.1   650 RUB
AVERAGE$71   6,500 RUB
HIGH$1,100   97,000 RUB
Per Month

People in Saint Petersburg allocate 4% to 12% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 9%. The range of medical expenses range from 650 RUB to 97,000 RUB with 6,500 RUB being the norm.

Leisure and Shopping5%

5% of total expenses on average (3% to 9%)

LOW$4.9   440 RUB
AVERAGE$49   4,400 RUB
HIGH$730   67,000 RUB
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 440 RUB to 67,000 RUB with 4,400 RUB being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 5% for most residents.

Education and Schooling6%

6% of total expenses on average (4% to 12%)

LOW$7.3   670 RUB
AVERAGE$73   6,700 RUB
HIGH$1,100   100,000 RUB
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 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 6,700 RUB per month with 670 RUB being the minimum spent amount and 100,000 RUB being the maximum.

Other Expenses13%

13% of total expenses on average (8% to 20%)

LOW$17   1,600 RUB
AVERAGE$170   16,000 RUB
HIGH$2,600   230,000 RUB
Per Month
Financial goals and targets of people living in Saint Petersburg

Financial goals of people in Saint Petersburg

In an attempt to understand the economic situation in Saint Petersburg, 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 Fund7%
Debt Reduction36%
Retirement Savings9%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle9%
Healthcare Expenses11%
Financial Independence7%

Around 7% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 36% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 9% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 11% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of people who are in debt in Saint Petersburg

Debt, loans, and mortgages in Saint Petersburg


Percentage of people who are in debt


In Debt
28%
Debt Free
72%

According to the survey, 28% of the people in Saint Petersburg 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 Saint Petersburg

Debt-to-income ratio in Saint Petersburg

Debt to income ratio

29%

20% to 38%

( 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 29% of the people's monthly income in Saint Petersburg goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%14%
40% - 50%12%
30% - 40%14%
20% - 30%13%
10% - 20%16%
0% - 10%27%

According to our data, 3% of the debtors in Saint Petersburg pay 60%+ of their income as debt settlement while 14% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% dedicated 30% to 40% of income for same. Things are looking brighter for 13% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Saint Petersburg

Debt% People
Real Estate Mortgage11%
Auto Loan20%
Student Loan3%
Credit Card27%
Personal Loan39%

11% of debtors in Saint Petersburg confirm that real estate mortgages constitutes the main part of their outstanding debt while 27% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 20% of people and personal loans rose at 39%. Lastly, student loans are the main source of debt for 3% of debtors in Saint Petersburg.


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 Saint Petersburg

Besides measuring the loan-to-income ratio, we asked residents 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
Never53%
Once a year23%
Twice a year12%
Three times a year8%
Four times a year4%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Saint Petersburg

Housing costs, accommodation, and housing affordability in Saint Petersburg

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


Rent Cost in Saint Petersburg

Monthly Rent Prices

Studio apartment monthly rent cost

14,000 RUB 21,000 RUB 56,000 RUB
MINIMUM AVERAGE MAXIMUM
$150 $230 $610

1-bedroom apartment monthly rent cost

22,000 RUB 35,000 RUB 86,000 RUB
MINIMUM AVERAGE MAXIMUM
$240 $380 $950

2-bedroom apartment monthly rent cost

30,000 RUB 45,000 RUB 120,000 RUB
MINIMUM AVERAGE MAXIMUM
$330 $490 $1,300

3-bedroom apartment monthly rent cost

37,000 RUB 62,000 RUB 170,000 RUB
MINIMUM AVERAGE MAXIMUM
$410 $680 $1,900

Furnished apartment monthly rent cost

69,000 RUB 170,000 RUB 350,000 RUB
MINIMUM AVERAGE MAXIMUM
$760 $1,900 $3,800

Townhouse monthly rent cost

56,000 RUB 84,000 RUB 240,000 RUB
MINIMUM AVERAGE MAXIMUM
$620 $920 $2,600

House monthly rent cost

70,000 RUB 170,000 RUB 350,000 RUB
MINIMUM AVERAGE MAXIMUM
$770 $1,900 $3,800

Villa monthly rent cost

83,000 RUB 210,000 RUB 330,000 RUB
MINIMUM AVERAGE MAXIMUM
$920 $2,300 $3,700

The monthly rental cost of a studio apartment in Saint Petersburg ranges between 14,000 RUB and 56,000 RUB, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 22,000 RUB to 86,000 RUB. Two-bedroom rentals rate ranges between 30,000 RUB and 120,000 RUB per month. The monthly rental for a three-bedroom apartment ranges from 37,000 RUB to 170,000 RUB. The average rent of a townhouse in Saint Petersburg is around 84,000 RUB while house rental costs can be as high as 170,000 RUB per month. Finally, if you want to rent a villa, expect to pay anywhere from 83,000 RUB to 330,000 RUB per month.



Apartment and house prices in Saint Petersburg

Cost of buying a property

Studio apartment price

3M RUB 4.5M RUB 9M RUB
MINIMUM AVERAGE MAXIMUM
$33,000 $49,000 $99,000

1-bedroom apartment price

3.7M RUB 6.2M RUB 23M RUB
MINIMUM AVERAGE MAXIMUM
$41,000 $68,000 $260,000

2-bedroom apartment price

5.6M RUB 17M RUB 33M RUB
MINIMUM AVERAGE MAXIMUM
$61,000 $180,000 $370,000

3-bedroom apartment price

19M RUB 29M RUB 86M RUB
MINIMUM AVERAGE MAXIMUM
$210,000 $320,000 $950,000

Townhouse price

26M RUB 60M RUB 230M RUB
MINIMUM AVERAGE MAXIMUM
$280,000 $660,000 $2.5M

House price

31M RUB 190M RUB 270M RUB
MINIMUM AVERAGE MAXIMUM
$340,000 $2.1M $2.9M

Villa price

37M RUB 210M RUB 310M RUB
MINIMUM AVERAGE MAXIMUM
$410,000 $2.3M $3.4M

The average price of a studio apartment in Saint Petersburg can range from 3M RUB to 9M RUB depending on location. One bedroom cost can be anywhere from 3.7M RUB to 23M RUB. A villa can cost you 210M RUB on average with prices ranging from 37M RUB to 310M RUB.


If you're leasing or purchasing, housing costs in Saint Petersburg 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


63 x184 monthly income 335
MINIMUM AVERAGE MAXIMUM

Property prices in Saint Petersburg can be x184 to x335 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x184 multiples of the average monthly salary in Saint Petersburg.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


28% 42% of income 55%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Saint Petersburg is around 42%. This means that people pay 42% of their income for rent. Those figures can range from 28% to 55% 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
2.1%
AVERAGE
3.1%
TO
4.1%

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.


250 RUB 2,500 RUB 37,000 RUB
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 Saint Petersburg

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Saint Petersburg

Utility Bill Cost / Electricity + Water + Gas / Individual

780 RUB 5,600 RUB 62,000 RUB
MINIMUM AVERAGE MAXIMUM
$8.6 $61 $680

Utility Bill Cost / Electricity + Water + Gas / Couple

820 RUB 6,000 RUB 68,000 RUB
MINIMUM AVERAGE MAXIMUM
$9.1 $66 $750

Utility Bill Cost / Electricity + Water + Gas / Family

1,500 RUB 7,700 RUB 77,000 RUB
MINIMUM AVERAGE MAXIMUM
$17 $85 $850

Internet and cable cost

720 RUB 1,400 RUB 1,900 RUB
MINIMUM AVERAGE MAXIMUM
$7.9 $16 $21

Mobile phone bill and charges

420 RUB 690 RUB 2,100 RUB
MINIMUM AVERAGE MAXIMUM
$4.6 $7.6 $23

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 Saint Petersburg ranges between 780 RUB and 62,000 RUB with average being 5,600 RUB, meanwhile the expenditure of couples is slightly higher at 6,000 RUB with 820 RUB and 68,000 RUB 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 7,700 RUB. The cost of internet and WiFi is unchanged among the three groups and ranges from 720 RUB to 1,900 RUB with 1,400 RUB being the average internet bill. Finally, the average monthly mobile charges is around 690 RUB but can range between 420 RUB and 2,100 RUB depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


2.6% 6.4% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Saint Petersburg is around 6.4%. This means that people pay 6.4% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.6% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Saint Petersburg

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


Prices and cost of goods and services in Saint Petersburg

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

Fast food combo meal price

130 RUB 270 RUB 440 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $2.9 $4.9

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Saint Petersburg is approximatly 270 RUB with meal cost ranging from 130 RUB to 440 RUB. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

470 RUB 710 RUB 1,400 RUB
MINIMUM AVERAGE MAXIMUM
$5.2 $7.8 $16

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 470 RUB and 1,400 RUB with 710 RUB being the average price of a plate for one person at a regular restaurant in Saint Petersburg.

Fine dining meal for one price

890 RUB 1,300 RUB 5,300 RUB
MINIMUM AVERAGE MAXIMUM
$9.8 $15 $59

The price range of a meal at fine-dining restaurant is 890 RUB to 5,300 RUB with the average cost being 1,300 RUB for one person. This is what you would expect to pay a top-tier diner in Saint Petersburg.

Beverage prices, cappuccino, latte etc..

120 RUB 190 RUB 280 RUB
MINIMUM AVERAGE MAXIMUM
$1.3 $2 $3.1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Saint Petersburg is around 190 RUB. Price ranges between 120 RUB and 280 RUB depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

95 RUB 110 RUB 140 RUB
MINIMUM AVERAGE MAXIMUM
$1 $1.3 $1.6

The average price of a large bottle of milk in Saint Petersburg is 110 RUB. The maximum what you would pay for milk is 140 RUB and the minimum being 95 RUB depending on the brand of milk and other properties.

12 eggs price

66 RUB 88 RUB 130 RUB
MINIMUM AVERAGE MAXIMUM
$0.73 $0.97 $1.5

A dozen eggs costs around 88 RUB on average with 66 RUB and 130 RUB being the lower and upper limits respectively.

Fresh whole chicken price

160 RUB 210 RUB 300 RUB
MINIMUM AVERAGE MAXIMUM
$1.8 $2.3 $3.3

The price range of a fresh whole chicken in Saint Petersburg is between 160 RUB and 300 RUB depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 210 RUB.

Pack of beef price

200 RUB 300 RUB 600 RUB
MINIMUM AVERAGE MAXIMUM
$2.2 $3.3 $6.7

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

Medium bag of rice price

70 RUB 95 RUB 130 RUB
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.5

A bag of rice in Saint Petersburg costs around 95 RUB on average with prices rangeing between 70 RUB and 130 RUB depending on the brand and quality.

Bag of tomatos price

27 RUB 36 RUB 67 RUB
MINIMUM AVERAGE MAXIMUM
$0.30 $0.39 $0.74

A bag of tomatoes costs anywhere from 27 RUB to 67 RUB. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

49 RUB 64 RUB 110 RUB
MINIMUM AVERAGE MAXIMUM
$0.54 $0.71 $1.2

A bag of apples costs 64 RUB 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


22% 32% of income 40%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Saint Petersburg is around 32%. This means that people spend 32% of their income on grocery and basic household items. The expenditure can range from 22% to 40% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 16,000 RUB per month on grocery and food with expenditure fluctuating between 2,300 RUB and 180,000 RUB depending on location and the type of person. The average cost of food and groceries for a couple is around 20,000 RUB per month. That number can be get as low as 3,100 RUB or a high as 190,000 RUB. Families' spending on grocery ranges from 6,000 RUB to 300,000 RUB with the location, income, and size of the family being the most determinite factors.

Cost of living comparison by city

#1 Izhevsk

The average cost of living in Izhevsk is 59,000 RUB, which is 51% less than the country average. Izhevsk is ranked first in Russia in terms of expendenture and cost of living.


#2 Saratov

The average cost of living in Saratov is 64,000 RUB, which is 47% less than the country average. Saratov is ranked second in Russia in terms of expendenture and cost of living.


#3 Krasnodar

The average cost of living in Krasnodar is 68,000 RUB, which is 43% less than the country average. Krasnodar is ranked third in Russia in terms of expendenture and cost of living.


#4 Volgograd

The average cost of living in Volgograd is 73,000 RUB, which is 39% less than the country average. Volgograd is ranked fourth in Russia in terms of expendenture and cost of living.


#5 Krasnoyarsk

The average cost of living in Krasnoyarsk is 77,000 RUB, which is 36% less than the country average. Krasnoyarsk is ranked fifth in Russia in terms of expendenture and cost of living.


#6 Samara

The average cost of living in Samara is 82,000 RUB, which is 32% less than the country average. Samara is ranked sixth in Russia in terms of expendenture and cost of living.


#7 Rostov-on-Don

The average cost of living in Rostov-on-Don is 88,000 RUB, which is 27% less than the country average. Rostov-on-Don is ranked seventh in Russia in terms of expendenture and cost of living.


#8 Omsk

The average cost of living in Omsk is 93,000 RUB, which is 23% less than the country average. Omsk is ranked eighth in Russia in terms of expendenture and cost of living.


#9 Chelyabinsk

The average cost of living in Chelyabinsk is 99,000 RUB, which is 18% less than the country average. Chelyabinsk is ranked ninth in Russia in terms of expendenture and cost of living.


#10 Kazan

The average cost of living in Kazan is 100,000 RUB, which is 17% less than the country average. Kazan is ranked tenth in Russia in terms of expendenture and cost of living.


#11 Nizhny Novgorod

The average cost of living in Nizhny Novgorod is 110,000 RUB, which is 8.3% less than the country average. Nizhny Novgorod is ranked eleventh in Russia in terms of expendenture and cost of living.


#12 Yekaterinburg

The average cost of living in Yekaterinburg is 120,000 RUB, which is same as the country average. Yekaterinburg is ranked twelfth in Russia in terms of expendenture and cost of living.


#13 Saint Petersburg

The average cost of living in Saint Petersburg is 120,000 RUB, which is same as the country average. Saint Petersburg is ranked thirteenth in Russia in terms of expendenture and cost of living.


#14 Moscow

The average cost of living in Moscow is 130,000 RUB, which is 8.3% more than the country average. Moscow is ranked fourteenth in Russia in terms of expendenture and cost of living.


Published: October 19, 2024   Last Update: May 23, 2025



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