Cost Of Living in Salalah 2024

cost of living chart - average monthly expenditure in Salalah

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

Whether you're living in Salalah 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: OMR
77 1,000 10,000
MINIMUM AVERAGE MAXIMUM
$200 $2,600 $26,000

Monthly Expenditure ▶ Single

Currency: OMR
99 690 4,600
MINIMUM AVERAGE MAXIMUM
$260 $1,800 $12,000

Monthly Expenditure ▶ Couple

Currency: OMR
380 1,200 6,200
MINIMUM AVERAGE MAXIMUM
$1,000 $3,000 $16,000

Monthly Expenditure ▶ Family

Currency: OMR
540 1,500 10,000
MINIMUM AVERAGE MAXIMUM
$1,400 $4,000 $26,000

Monthly Expenditure ▶ Student

Currency: OMR
77 500 3,300
MINIMUM AVERAGE MAXIMUM
$200 $1,300 $8,600
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Salalah is 690 OMR. Expenses can range from 99 OMR at the minimum level to 4,600 OMR at the highest end.


Couples

The average monthly spending of couples in Salalah is 1,200 OMR. Expenditure can range from 380 OMR to 6,200 OMR per month.


Families

The average cost of living for families in Salalah is 1,500 OMR per month. Families spend anywhere from 540 OMR to 10,000 OMR.


Students

The average monthly expenditure for students in Salalah is 500 OMR. Students spend from 77 OMR to 3,300 OMR 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 Salalah


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

Dining, food, and beverages costs


Fast food combo meal

1 OMR 2.1 OMR 3.4 OMR
MINIMUM AVERAGE MAXIMUM
$2.7 $5.4 $9

Restaurant meal for one

3.5 OMR 5.3 OMR 11 OMR
MINIMUM AVERAGE MAXIMUM
$9.2 $14 $28

Fine dining meal for one

7.1 OMR 11 OMR 42 OMR
MINIMUM AVERAGE MAXIMUM
$18 $28 $110

Cappuccino or latte

0.86 OMR 1.4 OMR 2.1 OMR
MINIMUM AVERAGE MAXIMUM
$2.2 $3.6 $5.4

Grocery and market costs


Milk large bottle

0.69 OMR 0.83 OMR 1 OMR
MINIMUM AVERAGE MAXIMUM
$1.8 $2.1 $2.7

12 eggs

0.52 OMR 0.69 OMR 1 OMR
MINIMUM AVERAGE MAXIMUM
$1.3 $1.8 $2.7

Fresh whole chicken

1.2 OMR 1.5 OMR 2.2 OMR
MINIMUM AVERAGE MAXIMUM
$3.1 $4 $5.6

Pack of beef

1.4 OMR 2.1 OMR 4.1 OMR
MINIMUM AVERAGE MAXIMUM
$3.6 $5.4 $11

Medium bag of rice

0.56 OMR 0.76 OMR 1.1 OMR
MINIMUM AVERAGE MAXIMUM
$1.4 $2 $2.8

Bag of tomatos

0.21 OMR 0.28 OMR 0.52 OMR
MINIMUM AVERAGE MAXIMUM
$0.54 $0.72 $1.3

Bag of apples

0.37 OMR 0.48 OMR 0.80 OMR
MINIMUM AVERAGE MAXIMUM
$0.96 $1.3 $2.1
Chart showing the prices and cost of commute, travel, and transportation in Salalah

Commute, travel, and transportation costs


20 minutes taxi ride

0.88 OMR 1.1 OMR 2.1 OMR
MINIMUM AVERAGE MAXIMUM
$2.3 $2.8 $5.5

Average car full tank

5.2 OMR 6.9 OMR 14 OMR
MINIMUM AVERAGE MAXIMUM
$13 $18 $36

Average car 1-day rental

5.4 OMR 7.2 OMR 11 OMR
MINIMUM AVERAGE MAXIMUM
$14 $19 $28

Average car price

2,600 OMR 5,200 OMR 6,900 OMR
MINIMUM AVERAGE MAXIMUM
$6,700 $13,000 $18,000

Bus ticket one way

0.18 OMR 0.27 OMR 0.54 OMR
MINIMUM AVERAGE MAXIMUM
$0.47 $0.71 $1.4

Car Service

7.2 OMR 11 OMR 22 OMR
MINIMUM AVERAGE MAXIMUM
$19 $28 $56
Chart showing the prices and cost of utility, energy, water, and gas for a family in Salalah

Utility cost (monthly)


Utility Bill - Individual

5.9 OMR 42 OMR 280 OMR
MINIMUM AVERAGE MAXIMUM
$15 $110 $720

Utility Bill - Couple

15 OMR 52 OMR 340 OMR
MINIMUM AVERAGE MAXIMUM
$40 $130 $880

Utility Bill - Family

27 OMR 77 OMR 500 OMR
MINIMUM AVERAGE MAXIMUM
$70 $200 $1,300

Internet and cable

5.2 OMR 10 OMR 14 OMR
MINIMUM AVERAGE MAXIMUM
$13 $27 $36

Mobile phone charges

4.1 OMR 6.9 OMR 21 OMR
MINIMUM AVERAGE MAXIMUM
$11 $18 $54

Leisure and activities costs


Movie ticket

2.6 OMR 3.4 OMR 5.2 OMR
MINIMUM AVERAGE MAXIMUM
$6.7 $9 $13

One month gym membership

8.7 OMR 11 OMR 22 OMR
MINIMUM AVERAGE MAXIMUM
$23 $28 $56
Chart showing the prices and cost of clothing and accessories in Salalah

Cloths and accessories costs


Pair of jeans or pants

6.4 OMR 9.1 OMR 14 OMR
MINIMUM AVERAGE MAXIMUM
$17 $24 $35

Woman dress

6 OMR 8.4 OMR 27 OMR
MINIMUM AVERAGE MAXIMUM
$16 $22 $71

Woman shoes

5.7 OMR 7.8 OMR 18 OMR
MINIMUM AVERAGE MAXIMUM
$15 $20 $47

Men's shoes

4.9 OMR 6 OMR 12 OMR
MINIMUM AVERAGE MAXIMUM
$13 $16 $31

Men suit

5.4 OMR 6.8 OMR 36 OMR
MINIMUM AVERAGE MAXIMUM
$14 $18 $94

Regular t-shirt

2.7 OMR 3.6 OMR 11 OMR
MINIMUM AVERAGE MAXIMUM
$7.1 $9.4 $28
Chart showing the prices and cost of housing, accommodation, and rent in Salalah

Housing costs / monthly rent


Studio apartment

91 OMR 140 OMR 360 OMR
MINIMUM AVERAGE MAXIMUM
$240 $350 $940

1-bedroom apartment

140 OMR 220 OMR 540 OMR
MINIMUM AVERAGE MAXIMUM
$350 $560 $1,400

2-bedroom apartment

180 OMR 270 OMR 720 OMR
MINIMUM AVERAGE MAXIMUM
$470 $710 $1,900

Housing costs / Buying


Studio apartment

18,000 OMR 27,000 OMR 54,000 OMR
MINIMUM AVERAGE MAXIMUM
$47,000 $71,000 $140,000

1-bedroom apartment

22,000 OMR 36,000 OMR 140,000 OMR
MINIMUM AVERAGE MAXIMUM
$56,000 $94,000 $350,000

2-bedroom apartment

36,000 OMR 110,000 OMR 220,000 OMR
MINIMUM AVERAGE MAXIMUM
$94,000 $280,000 $560,000
Chart showing the prices and cost of furniture in Salalah

Furniture Costs


King Size Bed

100 OMR 130 OMR 170 OMR
MINIMUM AVERAGE MAXIMUM
$270 $340 $450

Double Bed

69 OMR 100 OMR 130 OMR
MINIMUM AVERAGE MAXIMUM
$180 $270 $340

Single Bed

61 OMR 80 OMR 100 OMR
MINIMUM AVERAGE MAXIMUM
$160 $210 $270

Living Room

110 OMR 150 OMR 520 OMR
MINIMUM AVERAGE MAXIMUM
$300 $380 $1,300

Dining Table

52 OMR 69 OMR 130 OMR
MINIMUM AVERAGE MAXIMUM
$130 $180 $340

Sofa or Couch

69 OMR 94 OMR 210 OMR
MINIMUM AVERAGE MAXIMUM
$180 $240 $540
Chart showing the prices and cost of electronic devices and appliances in Salalah

Electronics and House Appliance Costs


TV Set

69 OMR 100 OMR 210 OMR
MINIMUM AVERAGE MAXIMUM
$180 $270 $540

Fridge or Freezer

61 OMR 94 OMR 130 OMR
MINIMUM AVERAGE MAXIMUM
$160 $240 $340

Washing Machine

80 OMR 110 OMR 210 OMR
MINIMUM AVERAGE MAXIMUM
$210 $300 $540

Stove or Cooker

74 OMR 94 OMR 130 OMR
MINIMUM AVERAGE MAXIMUM
$190 $240 $340

Mobile Phone

86 OMR 100 OMR 150 OMR
MINIMUM AVERAGE MAXIMUM
$220 $270 $380

Laptop or Computer

94 OMR 110 OMR 210 OMR
MINIMUM AVERAGE MAXIMUM
$240 $300 $540

Expenditure to Income Ratio in Salalah

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 Salalah

Spending to Income Ratio

86%

77% to 95%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%6%
50% - 60%11%
60% - 70%18%
70% - 80%26%
80% - 90%16%
90% - 100%9%
100% - 110%5%
110% - 120%3%
120% - 130%2%
130% - 140%2%
> 140%1%

Interpretation and Analysis

The average spending-to-salary ratio in Salalah is 86% This means that on average, people spend around 86% of their income for living. According to the distribution table, 18% 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
77%
Spending-Income-Ratio
69%
86%

Couple
82%
Spending-Income-Ratio
73%
91%

Family
90%
Spending-Income-Ratio
80%
100%
Distribution of monthly cost of living expenses in Salalah

How do people spend their money in Salalah?

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$60   23 OMR
AVERAGE$780   300 OMR
HIGH$7,800   3,000 OMR
Per Month

People living in Salalah typically spend from 15% to 34% of their total monthly expenditure on housing with 26% being the average. The average spend on housing is 300 OMR with expenditure ranging from 23 OMR to 3,000 OMR. 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, Mobile6%

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

LOW$10   3.8 OMR
AVERAGE$130   50 OMR
HIGH$1,300   500 OMR
Per Month

Utility expenditure like electricity, water, and gas in Salalah ranges from 3% to 10% of total expenses with 6% being the average. The average monthly cost of utilities is 50 OMR with 3.8 OMR and 500 OMR being the upper and lower limits.

Transport, Fuel, Commute8%

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

LOW$20   7.7 OMR
AVERAGE$260   100 OMR
HIGH$2,600   1,000 OMR
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 7.7 OMR to 1,000 OMR on commuting with 100 OMR 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$50   19 OMR
AVERAGE$650   250 OMR
HIGH$6,500   2,500 OMR
Per Month

The average outlay on groceries in a month in Salalah is 250 OMR. The cost of groceries can range between 19 OMR to 2,500 OMR. 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$14   5.4 OMR
AVERAGE$180   70 OMR
HIGH$1,800   700 OMR
Per Month

People in Salalah 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 5.4 OMR to 700 OMR with 70 OMR being the norm.

Leisure and Shopping6%

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

LOW$8   3.1 OMR
AVERAGE$100   40 OMR
HIGH$1,000   400 OMR
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 3.1 OMR to 400 OMR with 40 OMR being the average. Speaking of percentages, that equates to 3% to 10% of total expenses with an average of 6% for most residents.

Education and Schooling6%

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

LOW$12   4.6 OMR
AVERAGE$160   60 OMR
HIGH$1,600   600 OMR
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 60 OMR per month with 4.6 OMR being the minimum spent amount and 600 OMR being the maximum.

Other Expenses12%

12% of total expenses on average (7% to 19%)

LOW$26   10 OMR
AVERAGE$340   130 OMR
HIGH$3,400   1,300 OMR
Per Month
Percentage of people who manage to save money from their income every month in Salalah

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


Saving Money
68%
Not Saving
32%

Almost 68% of the surveyed people in Salalah said that they can save some money at the end of each month while 32% said that aren't saving anything.


Percentage of people saving money by population group in Salalah

GroupSaversNon Savers
Singles76%25%
Couples70%30%
Families65%35%

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 Salalah

Saving to Income Ratio

10% 19% of income 31%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

32 OMR
$83
410 OMR
$1,100
4,100 OMR
$11,000
MINIMUM AVERAGE MAXIMUM

For most people, 10% to 31% of their monthly income is what they can allocate to their savings, with 19% being the average. The amount of money that people can save is approximately 410 OMR on average with savings ranging from 32 OMR to 4,100 OMR.

76% of surveyed singles reported some of their income going to savings while 70% of couples said the same. 65% of families confirmed their ability to save money.


How much money do people actually save in Salalah?

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

14% 23% of income 33%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

32 OMR
$83
290 OMR
$740
1,900 OMR
$5,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%29%
10% - 20%23%
20% - 30%16%
30% - 40%16%
40% - 50%12%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 14% to 33% of their monthly income to savings, with 23% being the average for most singles. The average amount of money that singles are able to save is 290 OMR with 32 OMR and 1,900 OMR being the minimum and maximum respectively.


Couples

Saving to Income Ratio

11% 21% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

160 OMR
$410
480 OMR
$1,200
2,500 OMR
$6,600
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%33%
10% - 20%25%
20% - 30%19%
30% - 40%11%
40% - 50%9%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 11% to 32% of their monthly income, with 21% being the average for most couples. The average amount of money that couples can save is 480 OMR with 160 OMR and 2,500 OMR being the minimum and maximum respectively.


Families

Saving to Income Ratio

10% 18% of income 29%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

220 OMR
$580
640 OMR
$1,700
4,100 OMR
$11,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%36%
10% - 20%28%
20% - 30%20%
30% - 40%8%
40% - 50%6%
> 50%2%

Interpretation and Analysis

Families in Salalah can save anywhere between 10% to 29% of their monthly income, with 18% being the average for most families. The average amount of money that families can put aside is 640 OMR with 220 OMR and 4,100 OMR being the minimum and maximum respectively.

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

Saving Challenges in Salalah

Reasons that make it difficult for people to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans18%
Lack of Budgeting Skills10%
Impulsive Spending10%
Financial Emergencies6%
Living the moment7%
Will do it later17%
Inflation11%
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. 18% of the residents said that they are burdened with debt and find it challenging to save money. 10% 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. 7% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 17% 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. 11% 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.

Where do people choose to put their savings in Salalah

Typical saving choices for people in Salalah

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold10%
Savings Accounts17%
Retirement Accounts11%
Cash Savings16%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
A typical and healthy budgeting structure. The 50-30-20 rule

A typical and healthy budgeting structure

The 50/30/20 rule

Spending among different people can vary significantly based on factors such as their income, lifestyle, location, and personal preferences. A commonly used guideline for budgeting is the 50/30/20 rule, which suggests allocating your income into three main categories in the following percentages.

  • 50% for needs and financial obligations

    This category includes essential expenses like housing, utilities, groceries, transportation, and healthcare.

  • 30% for wants and discretionary spending

    This category covers discretionary spending on non-essential items, such as dining out, entertainment, travel, and other lifestyle choices.

  • 20% for savings and emergency fund

    This is the percentage that must be allocated to savings, emergency funds, and retirement accounts.

About financial planning, money management, and household budgeting

The 50/30/20 rule is used as a general guideline but may not be the best choice for all people. There are in fact many budgeting plans out there like the 70/20/10 and the 60/20/20 rules, all claiming to be the best. More important than all of this is to establish financial discipline by creating a budget tailored to your specific financial goals and situation. It is very important that your financial outflow be less than your income to maintain a healthy cash flow.

Income and cost of living compatibility. Is it affordable or economical to live in Salalah

Affordable living in Salalah

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Salalah?


Yes
81%
No
19%

Around 81% of surveyed residents think that living in Salalah is affordable with proper budgeting while 19% reported that it is just too expensive and not affordable even with frugality and thriftness.

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

Low-cost alternatives in Salalah

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 options63%

Few low-cost options37%


Based on the survey, 63% of the people living in Salalah have no problem finding low-cost alternatives to support a frugal lifestyle while 37% 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 Salalah whether they have an emergency fund and the answers were as follows.

Yes77%

No23%


Based on the survey, 23% of the people living in Salalah said that they don't have an emergency fund while 77% said that they do.

Financial literacy and difficulty in budgeting and financial planning in Salalah

Financial Literacy in Oman

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 Leteracy73%


We asked residents of Oman whether they acquired any adequate personal financial training in their lives. Approximately 27% 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 73% 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 Oman have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 28% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 72% said that they have everything under control.

Struggles with finance28%

Easily manages finances72%

Financial goals and targets of people living in Salalah

Financial goals of people in Salalah

In an attempt to understand the economic situation in Salalah, 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 Reduction34%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses9%
Financial Independence8%

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 34% said their number one priority is to pay off high-interest debt or loans and improve credit. 8% 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 10% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 9% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Retirement, pension plans, and life after work in Salalah

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

Retirement age

The retirement age for most employees in Oman 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 Salalah:
AgeAmount
252,800 OMR
305,700 OMR
359,900 OMR
4014,000 OMR
4521,000 OMR
5030,000 OMR
5535,000 OMR
6044,000 OMR
6552,000 OMR

Retirement Income Distribution

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

Source% People
Pensions13%
Savings22%
Investments13%
Social Security8%
Annuities8%
Part-time Job10%
Real Estate17%
Dividends and Interest8%

Retirement Monthly Expenses in Salalah

55 OMR
$140
500 OMR
$1,300
3,300 OMR
$8,600
MINIMUM AVERAGE MAXIMUM
Chart showing the percentage of people who are in debt in Salalah

Debt, loans, and mortgages in Salalah


Percentage of people who are in debt


In Debt
29%
Debt Free
71%

According to the survey, 29% of the people in Salalah have some kind of debt, loan, mortgage, or credit card payments while 71% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Salalah

Debt-to-income ratio in Salalah

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 Salalah goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%12%
40% - 50%12%
30% - 40%14%
20% - 30%15%
10% - 20%18%
0% - 10%27%

According to our data, 3% of the debtors in Salalah pay 60%+ of their income as debt settlement while 12% 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 15% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Salalah

Debt% People
Real Estate Mortgage13%
Auto Loan22%
Student Loan3%
Credit Card25%
Personal Loan37%

13% of debtors in Salalah confirm that real estate mortgages constitutes the main part of their outstanding debt while 25% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 22% of people and personal loans rose at 37%. Lastly, student loans are the main source of debt for 3% of debtors in Salalah.


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 Salalah

Besides measuring the loan-to-income ratio, we asked residents of Salalah 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
Never55%
Once a year22%
Twice a year11%
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 Salalah

Housing costs, accommodation, and housing affordability in Salalah

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


Rent Cost in Salalah

Monthly Rent Prices

Studio apartment monthly rent cost

91 OMR 140 OMR 360 OMR
MINIMUM AVERAGE MAXIMUM
$240 $350 $940

1-bedroom apartment monthly rent cost

140 OMR 220 OMR 540 OMR
MINIMUM AVERAGE MAXIMUM
$350 $560 $1,400

2-bedroom apartment monthly rent cost

180 OMR 270 OMR 720 OMR
MINIMUM AVERAGE MAXIMUM
$470 $710 $1,900

3-bedroom apartment monthly rent cost

220 OMR 360 OMR 990 OMR
MINIMUM AVERAGE MAXIMUM
$560 $940 $2,600

Furnished apartment monthly rent cost

430 OMR 1,100 OMR 2,200 OMR
MINIMUM AVERAGE MAXIMUM
$1,100 $2,800 $5,600

Townhouse monthly rent cost

360 OMR 540 OMR 1,600 OMR
MINIMUM AVERAGE MAXIMUM
$940 $1,400 $4,000

House monthly rent cost

430 OMR 1,100 OMR 2,200 OMR
MINIMUM AVERAGE MAXIMUM
$1,100 $2,800 $5,600

Villa monthly rent cost

540 OMR 1,400 OMR 2,200 OMR
MINIMUM AVERAGE MAXIMUM
$1,400 $3,500 $5,600

The monthly rental cost of a studio apartment in Salalah ranges between 91 OMR and 360 OMR, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 140 OMR to 540 OMR. Two-bedroom rentals rate ranges between 180 OMR and 720 OMR per month. The monthly rental for a three-bedroom apartment ranges from 220 OMR to 990 OMR. The average rent of a townhouse in Salalah is around 540 OMR while house rental costs can be as high as 1,100 OMR per month. Finally, if you want to rent a villa, expect to pay anywhere from 540 OMR to 2,200 OMR per month.



Apartment and house prices in Salalah

Cost of buying a property

Studio apartment price

18,000 OMR 27,000 OMR 54,000 OMR
MINIMUM AVERAGE MAXIMUM
$47,000 $71,000 $140,000

1-bedroom apartment price

22,000 OMR 36,000 OMR 140,000 OMR
MINIMUM AVERAGE MAXIMUM
$56,000 $94,000 $350,000

2-bedroom apartment price

36,000 OMR 110,000 OMR 220,000 OMR
MINIMUM AVERAGE MAXIMUM
$94,000 $280,000 $560,000

3-bedroom apartment price

120,000 OMR 180,000 OMR 540,000 OMR
MINIMUM AVERAGE MAXIMUM
$310,000 $470,000 $1.4M

Townhouse price

160,000 OMR 360,000 OMR 1.4M OMR
MINIMUM AVERAGE MAXIMUM
$400,000 $940,000 $3.5M

House price

180,000 OMR 1.1M OMR 1.6M OMR
MINIMUM AVERAGE MAXIMUM
$470,000 $2.8M $4M

Villa price

220,000 OMR 1.2M OMR 1.8M OMR
MINIMUM AVERAGE MAXIMUM
$560,000 $3.1M $4.7M

The average price of a studio apartment in Salalah can range from 18,000 OMR to 54,000 OMR depending on location. One bedroom cost can be anywhere from 22,000 OMR to 140,000 OMR. A villa can cost you 1.2M OMR on average with prices ranging from 220,000 OMR to 1.8M OMR.


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


42 x126 monthly income 220
MINIMUM AVERAGE MAXIMUM

Property prices in Salalah can be x126 to x220 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x126 multiples of the average monthly salary in Salalah.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


23% 33% of income 44%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Salalah is around 33%. This means that people pay 33% of their income for rent. Those figures can range from 23% to 44% 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
31%

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
2.2%
AVERAGE
3.2%
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.


1.5 OMR 20 OMR 200 OMR
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 Salalah

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

5.9 OMR 42 OMR 280 OMR
MINIMUM AVERAGE MAXIMUM
$15 $110 $720

Utility Bill Cost / Electricity + Water + Gas / Couple

15 OMR 52 OMR 340 OMR
MINIMUM AVERAGE MAXIMUM
$40 $130 $880

Utility Bill Cost / Electricity + Water + Gas / Family

27 OMR 77 OMR 500 OMR
MINIMUM AVERAGE MAXIMUM
$70 $200 $1,300

Internet and cable cost

5.2 OMR 10 OMR 14 OMR
MINIMUM AVERAGE MAXIMUM
$13 $27 $36

Mobile phone bill and charges

4.1 OMR 6.9 OMR 21 OMR
MINIMUM AVERAGE MAXIMUM
$11 $18 $54

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 Salalah ranges between 5.9 OMR and 280 OMR with average being 42 OMR, meanwhile the expenditure of couples is slightly higher at 52 OMR with 15 OMR and 340 OMR 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 77 OMR. The cost of internet and WiFi is unchanged among the three groups and ranges from 5.2 OMR to 14 OMR with 10 OMR being the average internet bill. Finally, the average monthly mobile charges is around 6.9 OMR but can range between 4.1 OMR and 21 OMR 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


2.1% 5.2% of income 9.3%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Salalah is around 5.2%. This means that people pay 5.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.1% to 9.3% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Salalah

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


Prices and cost of goods and services in Salalah

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

Fast food combo meal price

1 OMR 2.1 OMR 3.4 OMR
MINIMUM AVERAGE MAXIMUM
$2.7 $5.4 $9

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Salalah is approximatly 2.1 OMR with meal cost ranging from 1 OMR to 3.4 OMR. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

3.5 OMR 5.3 OMR 11 OMR
MINIMUM AVERAGE MAXIMUM
$9.2 $14 $28

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 3.5 OMR and 11 OMR with 5.3 OMR being the average price of a plate for one person at a regular restaurant in Salalah.

Fine dining meal for one price

7.1 OMR 11 OMR 42 OMR
MINIMUM AVERAGE MAXIMUM
$18 $28 $110

The price range of a meal at fine-dining restaurant is 7.1 OMR to 42 OMR with the average cost being 11 OMR for one person. This is what you would expect to pay a top-tier diner in Salalah.

Beverage prices, cappuccino, latte etc..

0.86 OMR 1.4 OMR 2.1 OMR
MINIMUM AVERAGE MAXIMUM
$2.2 $3.6 $5.4

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Salalah is around 1.4 OMR. Price ranges between 0.86 OMR and 2.1 OMR depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

0.69 OMR 0.83 OMR 1 OMR
MINIMUM AVERAGE MAXIMUM
$1.8 $2.1 $2.7

The average price of a large bottle of milk in Salalah is 0.83 OMR. The maximum what you would pay for milk is 1 OMR and the minimum being 0.69 OMR depending on the brand of milk and other properties.

12 eggs price

0.52 OMR 0.69 OMR 1 OMR
MINIMUM AVERAGE MAXIMUM
$1.3 $1.8 $2.7

A dozen eggs costs around 0.69 OMR on average with 0.52 OMR and 1 OMR being the lower and upper limits respectively.

Fresh whole chicken price

1.2 OMR 1.5 OMR 2.2 OMR
MINIMUM AVERAGE MAXIMUM
$3.1 $4 $5.6

The price range of a fresh whole chicken in Salalah is between 1.2 OMR and 2.2 OMR depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 1.5 OMR.

Pack of beef price

1.4 OMR 2.1 OMR 4.1 OMR
MINIMUM AVERAGE MAXIMUM
$3.6 $5.4 $11

The price of a regular pack of beef or meat is around 2.1 OMR. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

0.56 OMR 0.76 OMR 1.1 OMR
MINIMUM AVERAGE MAXIMUM
$1.4 $2 $2.8

A bag of rice in Salalah costs around 0.76 OMR on average with prices rangeing between 0.56 OMR and 1.1 OMR depending on the brand and quality.

Bag of tomatos price

0.21 OMR 0.28 OMR 0.52 OMR
MINIMUM AVERAGE MAXIMUM
$0.54 $0.72 $1.3

A bag of tomatoes costs anywhere from 0.21 OMR to 0.52 OMR. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

0.37 OMR 0.48 OMR 0.80 OMR
MINIMUM AVERAGE MAXIMUM
$0.96 $1.3 $2.1

A bag of apples costs 0.48 OMR 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


18% 26% of income 32%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Salalah is around 26%. This means that people spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 32% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 110 OMR per month on grocery and food with expenditure fluctuating between 16 OMR and 740 OMR depending on location and the type of person. The average cost of food and groceries for a couple is around 160 OMR per month. That number can be get as low as 54 OMR or a high as 860 OMR. Families' spending on grocery ranges from 97 OMR to 1,800 OMR with the location, income, and size of the family being the most determinite factors.


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

Housing cost for a single person32%

32% of total expenses on average (20% to 44%)

LOW$92   36 OMR
AVERAGE$650   250 OMR
HIGH$4,300   1,700 OMR
Per Month

Utilities, Electricity, Water, Internet, Mobile7%

7% of total expenses on average (3% to 12%)

LOW$15   5.9 OMR
AVERAGE$110   42 OMR
HIGH$720   280 OMR
Per Month

Transport and Fuel Cost6%

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

LOW$20   7.9 OMR
AVERAGE$140   55 OMR
HIGH$960   370 OMR
Per Month

Food and Groceries Cost18%

18% of total expenses on average (12% to 23%)

LOW$41   16 OMR
AVERAGE$290   110 OMR
HIGH$1,900   740 OMR
Per Month

Healthcare Cost11%

11% of total expenses on average (5% to 15%)

LOW$23   8.9 OMR
AVERAGE$160   62 OMR
HIGH$1,100   420 OMR
Per Month

Leisure and Shopping Expenditure4%

4% of total expenses on average (3% to 7%)

LOW$13   4.9 OMR
AVERAGE$90   35 OMR
HIGH$600   230 OMR
Per Month

Education Cost2%

2% of total expenses on average (1% to 4%)

LOW$5.1   2 OMR
AVERAGE$36   14 OMR
HIGH$240   92 OMR
Per Month

Other Expenses20%

20% of total expenses on average (12% to 24%)

LOW$46   18 OMR
AVERAGE$320   120 OMR
HIGH$2,200   830 OMR
Per Month


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

Housing cost for a couple29%

29% of total expenses on average (22% to 39%)

LOW$340   130 OMR
AVERAGE$1,000   390 OMR
HIGH$5,400   2,100 OMR
Per Month

Utilities, Electricity, Water, Internet, Mobile6%

6% of total expenses on average (4% to 10%)

LOW$40   15 OMR
AVERAGE$130   52 OMR
HIGH$880   340 OMR
Per Month

Transport and Fuel Cost10%

10% of total expenses on average (4% to 15%)

LOW$120   46 OMR
AVERAGE$360   140 OMR
HIGH$1,900   740 OMR
Per Month

Food and Groceries Cost16%

16% of total expenses on average (11% to 21%)

LOW$140   54 OMR
AVERAGE$420   160 OMR
HIGH$2,200   860 OMR
Per Month

Healthcare Cost13%

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

LOW$110   42 OMR
AVERAGE$330   130 OMR
HIGH$1,800   680 OMR
Per Month

Leisure and Shopping Cost5%

5% of total expenses on average (2% to 8%)

LOW$60   23 OMR
AVERAGE$180   69 OMR
HIGH$960   370 OMR
Per Month

Education Cost2%

2% of total expenses on average (1% to 4%)

LOW$20   7.7 OMR
AVERAGE$60   23 OMR
HIGH$320   120 OMR
Per Month

Other Expenses19%

19% of total expenses on average (13% to 25%)

LOW$170   65 OMR
AVERAGE$510   200 OMR
HIGH$2,700   1,000 OMR
Per Month


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

Housing cost for a family28%

28% of total expenses on average (23% to 38%)

LOW$450   170 OMR
AVERAGE$1,300   490 OMR
HIGH$8,300   3,200 OMR
Per Month

Utilities, Electricity, Water, Internet, Mobile4%

4% of total expenses on average (2% to 7%)

LOW$70   27 OMR
AVERAGE$200   77 OMR
HIGH$1,300   500 OMR
Per Month

Transport and Fuel Expenses6%

6% of total expenses on average (4% to 8%)

LOW$140   54 OMR
AVERAGE$400   150 OMR
HIGH$2,600   1,000 OMR
Per Month

Food and Groceries Cost20%

20% of total expenses on average (13% to 26%)

LOW$250   97 OMR
AVERAGE$720   280 OMR
HIGH$4,700   1,800 OMR
Per Month

Healthcare Expenses10%

10% of total expenses on average (6% to 15%)

LOW$130   48 OMR
AVERAGE$400   150 OMR
HIGH$2,100   800 OMR
Per Month

Leisure and Shopping Cost4%

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

LOW$70   27 OMR
AVERAGE$200   77 OMR
HIGH$1,300   500 OMR
Per Month

Education Cost14%

14% of total expenses on average (7% to 22%)

LOW$200   75 OMR
AVERAGE$560   220 OMR
HIGH$3,600   1,400 OMR
Per Month

Other Expenses14%

14% of total expenses on average (7% to 19%)

LOW$110   43 OMR
AVERAGE$320   120 OMR
HIGH$2,100   800 OMR
Per Month


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

Housing costs for Student20%

20% of total expenses on average (15% to 26%)

LOW$48   18 OMR
AVERAGE$310   120 OMR
HIGH$2,100   790 OMR
Per Month

Utilities, Electricity, Water, Internet, and Mobile Expenses5%

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

LOW$8   3.1 OMR
AVERAGE$52   20 OMR
HIGH$340   130 OMR
Per Month

Transport and Fuel Cost5%

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

LOW$14   5.4 OMR
AVERAGE$90   35 OMR
HIGH$600   230 OMR
Per Month

Food and Groceries Expenditure22%

22% of total expenses on average (16% to 26%)

LOW$40   15 OMR
AVERAGE$260   99 OMR
HIGH$1,700   660 OMR
Per Month

Healthcare Cost8%

8% of total expenses on average (5% to 11%)

LOW$12   4.6 OMR
AVERAGE$77   30 OMR
HIGH$520   200 OMR
Per Month

Leisure and Shopping Cost4%

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

LOW$10   3.8 OMR
AVERAGE$64   25 OMR
HIGH$430   170 OMR
Per Month

Education Cost19%

19% of total expenses on average (12% to 24%)

LOW$38   15 OMR
AVERAGE$250   94 OMR
HIGH$1,600   630 OMR
Per Month

Other Expenses17%

17% of total expenses on average (11% to 23%)

LOW$30   12 OMR
AVERAGE$190   74 OMR
HIGH$1,300   500 OMR
Per Month
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