Cost Of Living in Saratov 2024

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

Whether you're living in Saratov 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

90,000 RUB

per month
$990

6,900 RUB   $76
$9,900   900,000 RUB

Single

62,000 RUB

per month
$690

21,000 RUB   $230
$4,600   420,000 RUB

Couple

100,000 RUB

per month
$1,100

35,000 RUB   $380
$6,100   550,000 RUB

Family

140,000 RUB

per month
$1,500

49,000 RUB   $530
$8,400   760,000 RUB

Student

42,000 RUB

per month
$460

17,000 RUB   $180
$830   75,000 RUB
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Saratov is 62,000 RUB. Expenses can range from 21,000 RUB at the minimum level to 420,000 RUB at the highest end.


Couples

The average monthly spending of couples in Saratov is 100,000 RUB. Expenditure can range from 35,000 RUB to 550,000 RUB per month.


Families

The average cost of living for families in Saratov is 140,000 RUB per month. Families spend anywhere from 49,000 RUB to 760,000 RUB.


Students

The average monthly expenditure for students in Saratov is 42,000 RUB. Students spend from 17,000 RUB to 75,000 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.

Prices and cost of goods and services in Saratov


Dining, food, and beverages costs


Large bottle of water
12 RUB 13 RUB 15 RUB
MINIMUM AVERAGE MAXIMUM
$0.13 $0.15 $0.17
Fast food combo meal
99 RUB 200 RUB 330 RUB
MINIMUM AVERAGE MAXIMUM
$1.1 $2.2 $3.6
Restaurant meal for one
320 RUB 480 RUB 960 RUB
MINIMUM AVERAGE MAXIMUM
$3.5 $5.3 $11
Fine dining meal for one
640 RUB 960 RUB 3,900 RUB
MINIMUM AVERAGE MAXIMUM
$7.1 $11 $42
Soda or Soft Drink
14 RUB 17 RUB 20 RUB
MINIMUM AVERAGE MAXIMUM
$0.16 $0.18 $0.22
Cappuccino or latte
83 RUB 130 RUB 200 RUB
MINIMUM AVERAGE MAXIMUM
$0.91 $1.5 $2.2

Grocery and market costs


Milk large bottle
66 RUB 80 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.73 $0.88 $1.1
Loaf of bread
12 RUB 14 RUB 16 RUB
MINIMUM AVERAGE MAXIMUM
$0.13 $0.15 $0.17
12 eggs
50 RUB 66 RUB 99 RUB
MINIMUM AVERAGE MAXIMUM
$0.55 $0.73 $1.1
Fresh whole chicken
110 RUB 150 RUB 210 RUB
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.3
Beef 1 kg or 1 lb
130 RUB 200 RUB 400 RUB
MINIMUM AVERAGE MAXIMUM
$1.5 $2.2 $4.4
Rice 1 kg or 1 lb
53 RUB 73 RUB 100 RUB
MINIMUM AVERAGE MAXIMUM
$0.59 $0.80 $1.1
Tomato 1 kg or 1 lb
20 RUB 27 RUB 50 RUB
MINIMUM AVERAGE MAXIMUM
$0.22 $0.29 $0.55
Apples 1 kg or 1 lb
36 RUB 46 RUB 76 RUB
MINIMUM AVERAGE MAXIMUM
$0.39 $0.51 $0.84

Commute, travel, and transportation costs


20 minutes taxi ride
80 RUB 96 RUB 190 RUB
MINIMUM AVERAGE MAXIMUM
$0.88 $1.1 $2.1
Average car full tank
500 RUB 660 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.5 $7.3 $15
Average car 1-day rental
470 RUB 620 RUB 930 RUB
MINIMUM AVERAGE MAXIMUM
$5.1 $6.8 $10
Average car price
250,000 RUB 500,000 RUB 660,000 RUB
MINIMUM AVERAGE MAXIMUM
$2,700 $5,500 $7,300
Bus ticket one way
16 RUB 23 RUB 47 RUB
MINIMUM AVERAGE MAXIMUM
$0.17 $0.26 $0.51
Car Service
620 RUB 930 RUB 1,900 RUB
MINIMUM AVERAGE MAXIMUM
$6.8 $10 $21

Utility cost (monthly)


Utility Bill - Individual
1,200 RUB 3,700 RUB 25,000 RUB
MINIMUM AVERAGE MAXIMUM
$14 $41 $270
Utility Bill - Couple
1,700 RUB 5,200 RUB 28,000 RUB
MINIMUM AVERAGE MAXIMUM
$19 $57 $310
Utility Bill - Family
1,500 RUB 4,200 RUB 23,000 RUB
MINIMUM AVERAGE MAXIMUM
$16 $46 $250
Internet and cable
500 RUB 990 RUB 1,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.5 $11 $15
Mobile phone charges
400 RUB 660 RUB 2,000 RUB
MINIMUM AVERAGE MAXIMUM
$4.4 $7.3 $22

Leisure and activities costs


Movie ticket
250 RUB 330 RUB 500 RUB
MINIMUM AVERAGE MAXIMUM
$2.7 $3.6 $5.5
One month gym membership
750 RUB 930 RUB 1,900 RUB
MINIMUM AVERAGE MAXIMUM
$8.2 $10 $21

Cloths and accessories costs


Pair of jeans or pants
550 RUB 780 RUB 1,200 RUB
MINIMUM AVERAGE MAXIMUM
$6 $8.5 $13
Woman dress
520 RUB 720 RUB 2,300 RUB
MINIMUM AVERAGE MAXIMUM
$5.7 $7.9 $26
Woman shoes
490 RUB 670 RUB 1,600 RUB
MINIMUM AVERAGE MAXIMUM
$5.4 $7.3 $17
Men's shoes
420 RUB 520 RUB 1,000 RUB
MINIMUM AVERAGE MAXIMUM
$4.7 $5.7 $11
Men suit
470 RUB 580 RUB 3,100 RUB
MINIMUM AVERAGE MAXIMUM
$5.1 $6.4 $34
Regular t-shirt
230 RUB 310 RUB 930 RUB
MINIMUM AVERAGE MAXIMUM
$2.6 $3.4 $10

Housing costs / monthly rent


Studio apartment
7,800 RUB 12,000 RUB 31,000 RUB
MINIMUM AVERAGE MAXIMUM
$85 $130 $340
1-bedroom apartment
12,000 RUB 19,000 RUB 47,000 RUB
MINIMUM AVERAGE MAXIMUM
$130 $210 $510
2-bedroom apartment
16,000 RUB 23,000 RUB 62,000 RUB
MINIMUM AVERAGE MAXIMUM
$170 $260 $680

Housing costs / Buying


Studio apartment
1.6M RUB 2.3M RUB 4.7M RUB
MINIMUM AVERAGE MAXIMUM
$17,000 $26,000 $51,000
1-bedroom apartment
1.9M RUB 3.1M RUB 12M RUB
MINIMUM AVERAGE MAXIMUM
$21,000 $34,000 $130,000
2-bedroom apartment
3.1M RUB 9.3M RUB 19M RUB
MINIMUM AVERAGE MAXIMUM
$34,000 $100,000 $210,000

Furniture Costs


King Size Bed
9,900 RUB 12,000 RUB 17,000 RUB
MINIMUM AVERAGE MAXIMUM
$110 $140 $180
Double Bed
6,600 RUB 9,900 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $110 $140
Single Bed
5,800 RUB 7,600 RUB 9,900 RUB
MINIMUM AVERAGE MAXIMUM
$64 $84 $110
Living Room
11,000 RUB 14,000 RUB 50,000 RUB
MINIMUM AVERAGE MAXIMUM
$120 $160 $550
Dining Table
5,000 RUB 6,600 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$55 $73 $140
Sofa or Couch
6,600 RUB 9,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $100 $220

Electronics and House Appliance Costs


TV Set
6,600 RUB 9,900 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$73 $110 $220
Fridge or Freezer
5,800 RUB 9,000 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$64 $100 $140
Washing Machine
7,600 RUB 11,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$84 $120 $220
Stove or Cooker
7,100 RUB 9,000 RUB 12,000 RUB
MINIMUM AVERAGE MAXIMUM
$78 $100 $140
Mobile Phone
8,300 RUB 9,900 RUB 14,000 RUB
MINIMUM AVERAGE MAXIMUM
$91 $110 $160
Laptop or Computer
9,000 RUB 11,000 RUB 20,000 RUB
MINIMUM AVERAGE MAXIMUM
$100 $120 $220

Expenditure to Income Ratio in Saratov

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

75%

68% to 83%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%4%
50% - 60%9%
60% - 70%15%
70% - 80%25%
80% - 90%20%
90% - 100%11%
100% - 110%6%
110% - 120%4%
120% - 130%3%
130% - 140%2%
> 140%2%

Interpretation and Analysis

The average spending-to-salary ratio in Saratov is 75% This means that on average, people spend around 75% of their income for living. According to the distribution table, 15% 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
68%
Spending-Income-Ratio
61%
75%

Couple
71%
Spending-Income-Ratio
65%
79%

Family
79%
Spending-Income-Ratio
71%
87%

How do people spend their money in Saratov?

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 Expenditure23%

23% of total expenses on average (12% to 31%)

LOW$23   2,100 RUB
AVERAGE$300   27,000 RUB
HIGH$3,000   270,000 RUB
Per Month

People living in Saratov typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 27,000 RUB with expenditure ranging from 2,100 RUB to 270,000 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, Water8%

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

LOW$3.8   350 RUB
AVERAGE$50   4,500 RUB
HIGH$500   45,000 RUB
Per Month

Utility expenditure like electricity, water, and gas in Saratov ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 4,500 RUB with 350 RUB and 45,000 RUB being the upper and lower limits.

Transport, Fuel, Commute7%

7% of total expenses on average (3% to 11%)

LOW$7.6   690 RUB
AVERAGE$99   9,000 RUB
HIGH$990   90,000 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 690 RUB to 90,000 RUB on commuting with 9,000 RUB being the norm for most people in one month. This means that money spent on transport constitutes about 7% of total spending on average but can go as low as 3% or as high as 11%.

Food and Groceries Cost28%

28% of total expenses on average (20% to 34%)

LOW$19   1,700 RUB
AVERAGE$250   23,000 RUB
HIGH$2,500   230,000 RUB
Per Month

The average outlay on groceries in a month in Saratov is 23,000 RUB. The cost of groceries can range between 1,700 RUB to 230,000 RUB. People spend on average about 28% on food and groceries with upper and lower bounds of 20% and 34% respectively.

Healthcare and Medical Services10%

10% of total expenses on average (5% to 13%)

LOW$5.3   490 RUB
AVERAGE$69   6,300 RUB
HIGH$690   63,000 RUB
Per Month

People in Saratov allocate 5% to 13% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 10%. The range of medical expenses range from 490 RUB to 63,000 RUB with 6,300 RUB being the norm.

Leisure and Shopping4%

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

LOW$3.1   280 RUB
AVERAGE$40   3,600 RUB
HIGH$400   36,000 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 280 RUB to 36,000 RUB with 3,600 RUB 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$4.6   420 RUB
AVERAGE$60   5,400 RUB
HIGH$600   54,000 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 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 5,400 RUB per month with 420 RUB being the minimum spent amount and 54,000 RUB being the maximum.

Other Expenses14%

14% of total expenses on average (9% to 21%)

LOW$9.9   900 RUB
AVERAGE$130   12,000 RUB
HIGH$1,300   120,000 RUB
Per Month

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


Saving Money
54%
Not Saving
46%

Almost 54% of the surveyed people in Saratov said that they can save some money at the end of each month while 46% said that aren't saving anything.


Percentage of people saving money by population group in Saratov

GroupSaversNon Savers
Singles57%43%
Couples53%47%
Families48%52%

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

11% 18% of income 29%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

2,400 RUB
$26
31,000 RUB
$340
310,000 RUB
$3,400
MINIMUM AVERAGE MAXIMUM

For most people, 11% to 29% of their monthly income is what they can allocate to their savings, with 18% being the average. The amount of money that people can save is approximately 31,000 RUB on average with savings ranging from 2,400 RUB to 310,000 RUB.

57% of surveyed singles reported some of their income going to savings while 53% of couples said the same. 48% of families confirmed their ability to save money.


How much money do people actually save in Saratov?

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

13% 22% of income 30%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

7,200 RUB
$79
22,000 RUB
$240
140,000 RUB
$1,600
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%32%
10% - 20%25%
20% - 30%16%
30% - 40%13%
40% - 50%10%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 13% to 30% of their monthly income to savings, with 22% being the average for most singles. The average amount of money that singles are able to save is 22,000 RUB with 7,200 RUB and 140,000 RUB being the minimum and maximum respectively.


Couples

Saving to Income Ratio

12% 20% of income 30%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

12,000 RUB
$130
36,000 RUB
$390
190,000 RUB
$2,100
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%36%
10% - 20%27%
20% - 30%19%
30% - 40%8%
40% - 50%7%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 12% to 30% of their monthly income, with 20% being the average for most couples. The average amount of money that couples can save is 36,000 RUB with 12,000 RUB and 190,000 RUB being the minimum and maximum respectively.


Families

Saving to Income Ratio

9.8% 17% of income 26%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

17,000 RUB
$180
48,000 RUB
$530
260,000 RUB
$2,900
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%39%
10% - 20%30%
20% - 30%20%
30% - 40%5%
40% - 50%4%
> 50%2%

Interpretation and Analysis

Families in Saratov can save anywhere between 9.8% to 26% of their monthly income, with 17% being the average for most families. The average amount of money that families can put aside is 48,000 RUB with 17,000 RUB and 260,000 RUB 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 Saratov

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Saratov?


Yes
55%
No
45%

Around 55% of surveyed residents think that living in Saratov is affordable with proper budgeting while 45% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Saratov

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

Yes53%

No47%


Based on the survey, 47% of the people living in Saratov said that they don't have an emergency fund while 53% said that they do.

Financial Literacy in Russia

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 Russia 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 Russia have problems or difficulties in managing their expenditures and savings so asked the 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%

Financial goals of people in Saratov

In an attempt to understand the economic situation in Saratov, 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 Fund8%
Debt Reduction43%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle6%
Healthcare Expenses14%
Financial Independence5%

Around 8% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 43% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 14% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Saving Challenges in Saratov

Reasons that make it difficult for people to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans13%
Lack of Budgeting Skills12%
Impulsive Spending12%
Financial Emergencies7%
Living the moment5%
Will do it later21%
Inflation13%
Social Pressure3%
Market Instability2%

Around 5% of the people said that their salary is too low to accommodate a portion for savings while 8% said that the high cost of living leaves little room for savings. 13% 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. 21% 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. 13% 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 societal expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Typical saving choices for people in Saratov

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold13%
Savings Accounts17%
Retirement Accounts10%
Cash Savings21%
Real Estate9%
Investment5%
Stocks4%
Bonds5%
Mutual Funds2%
Certificates of Deposit3%

Retirement, pension plans, and life after work in Saratov

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

Retirement age

The retirement age for most employees in Russia 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 Saratov:
AgeAmount
25240,000 RUB
30480,000 RUB
35850,000 RUB
401.2M RUB
451.8M RUB
502.5M RUB
553M RUB
603.8M RUB
654.5M RUB

Retirement Income Distribution

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

Source% People
Pensions12%
Savings23%
Investments12%
Social Security7%
Annuities7%
Part-time Job15%
Real Estate18%
Dividends and Interest7%

Retirement Monthly Expenses in Saratov

15,000 RUB
$170
46,000 RUB
$500
300,000 RUB
$3,300
MINIMUM AVERAGE MAXIMUM

Debt, loans, and mortgages in Saratov


Percentage of people who are in debt


In Debt
25%
Debt Free
75%

According to the survey, 25% of the people in Saratov have some kind of debt, loan, mortgage, or credit card payments while 75% reported that they don't have financial obligations to banks.


Debt-to-income ratio in Saratov

Debt to income ratio

26%

18% to 34%

( 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 26% of the people's monthly income in Saratov goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%18%
40% - 50%15%
30% - 40%17%
20% - 30%10%
10% - 20%12%
0% - 10%25%

According to our data, 3% of the debtors in Saratov pay 60%+ of their income as debt settlement while 18% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 10% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Saratov

Debt% People
Real Estate Mortgage8%
Auto Loan15%
Student Loan4%
Credit Card30%
Personal Loan43%

8% of debtors in Saratov confirm that real estate mortgages constitutes the main part of their outstanding debt while 30% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 15% of people and personal loans rose at 43%. Lastly, student loans are the main source of debt for 4% of debtors in Saratov.


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 Saratov

Besides measuring the loan-to-income ratio, we asked residents of Saratov 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
Never50%
Once a year24%
Twice a year13%
Three times a year9%
Four times a year4%

Housing costs, accommodation, and housing affordability in Saratov

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


Rent Cost in Saratov

Monthly Rent Prices

Studio apartment
7,800 RUB 12,000 RUB 31,000 RUB
MINIMUM AVERAGE MAXIMUM
$85 $130 $340
1-bedroom apartment
12,000 RUB 19,000 RUB 47,000 RUB
MINIMUM AVERAGE MAXIMUM
$130 $210 $510
2-bedroom apartment
16,000 RUB 23,000 RUB 62,000 RUB
MINIMUM AVERAGE MAXIMUM
$170 $260 $680
3-bedroom apartment
19,000 RUB 31,000 RUB 85,000 RUB
MINIMUM AVERAGE MAXIMUM
$210 $340 $930
Furnished apartment
37,000 RUB 93,000 RUB 190,000 RUB
MINIMUM AVERAGE MAXIMUM
$410 $1,000 $2,100
Townhouse
31,000 RUB 47,000 RUB 130,000 RUB
MINIMUM AVERAGE MAXIMUM
$340 $510 $1,500
House
37,000 RUB 93,000 RUB 190,000 RUB
MINIMUM AVERAGE MAXIMUM
$410 $1,000 $2,100
Villa
47,000 RUB 120,000 RUB 190,000 RUB
MINIMUM AVERAGE MAXIMUM
$510 $1,300 $2,100

The monthly rental cost of a studio apartment in Saratov ranges between 7,800 RUB and 31,000 RUB, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 12,000 RUB to 47,000 RUB. Two-bedroom rentals rate ranges between 16,000 RUB and 62,000 RUB per month. The monthly rental for a three-bedroom apartment ranges from 19,000 RUB to 85,000 RUB. The average rent of a townhouse in Saratov is around 47,000 RUB while house rental costs can be as high as 93,000 RUB per month. Finally, if you want to rent a villa, expect to pay anywhere from 47,000 RUB to 190,000 RUB per month.



Apartment and house prices in Saratov

Cost of buying a property

Studio apartment
1.6M RUB 2.3M RUB 4.7M RUB
MINIMUM AVERAGE MAXIMUM
$17,000 $26,000 $51,000
1-bedroom apartment
1.9M RUB 3.1M RUB 12M RUB
MINIMUM AVERAGE MAXIMUM
$21,000 $34,000 $130,000
2-bedroom apartment
3.1M RUB 9.3M RUB 19M RUB
MINIMUM AVERAGE MAXIMUM
$34,000 $100,000 $210,000
3-bedroom apartment
10M RUB 16M RUB 47M RUB
MINIMUM AVERAGE MAXIMUM
$110,000 $170,000 $510,000
Townhouse
13M RUB 31M RUB 120M RUB
MINIMUM AVERAGE MAXIMUM
$150,000 $340,000 $1.3M
House
16M RUB 93M RUB 130M RUB
MINIMUM AVERAGE MAXIMUM
$170,000 $1M $1.5M
Villa
19M RUB 100M RUB 160M RUB
MINIMUM AVERAGE MAXIMUM
$210,000 $1.1M $1.7M

The average price of a studio apartment in Saratov can range from 1.6M RUB to 4.7M RUB depending on location. One bedroom cost can be anywhere from 1.9M RUB to 12M RUB. A villa can cost you 100M RUB on average with prices ranging from 19M RUB to 160M RUB.


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


35 x102 monthly income 186
MINIMUM AVERAGE MAXIMUM

Property prices in Saratov can be x102 to x186 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x102 multiples of the average monthly salary in Saratov.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


19% 28% of income 37%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Saratov is around 28%. This means that people pay 28% of their income for rent. Those figures can range from 19% 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
26%

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%
AVERAGE
3%
TO
3.9%

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.


140 RUB 1,800 RUB 18,000 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.


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

Housing29%

29% of total expenses on average (17% to 41%)

LOW$82   7,500 RUB
AVERAGE$250   22,000 RUB
HIGH$1,600   150,000 RUB
Per Month

Utilities, Electricity, Water9%

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

LOW$14   1,200 RUB
AVERAGE$41   3,700 RUB
HIGH$270   25,000 RUB
Per Month

Transport, Fuel5%

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

LOW$18   1,700 RUB
AVERAGE$55   5,000 RUB
HIGH$370   33,000 RUB
Per Month

Food and Groceries19%

19% of total expenses on average (13% to 24%)

LOW$37   3,300 RUB
AVERAGE$110   10,000 RUB
HIGH$730   67,000 RUB
Per Month

Healthcare12%

12% of total expenses on average (6% to 16%)

LOW$21   1,900 RUB
AVERAGE$62   5,600 RUB
HIGH$410   37,000 RUB
Per Month

Leisure, Shopping2%

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

LOW$11   1,000 RUB
AVERAGE$34   3,100 RUB
HIGH$230   21,000 RUB
Per Month

Education1%

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

LOW$4.6   420 RUB
AVERAGE$14   1,200 RUB
HIGH$92   8,300 RUB
Per Month

Other Expenses22%

22% of total expenses on average (14% to 26%)

LOW$41   3,700 RUB
AVERAGE$120   11,000 RUB
HIGH$820   75,000 RUB
Per Month


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

Housing26%

26% of total expenses on average (19% to 36%)

LOW$130   11,000 RUB
AVERAGE$380   34,000 RUB
HIGH$2,000   180,000 RUB
Per Month

Utilities, Electricity, Water8%

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

LOW$19   1,700 RUB
AVERAGE$57   5,200 RUB
HIGH$310   28,000 RUB
Per Month

Transport, Fuel9%

9% of total expenses on average (3% to 14%)

LOW$46   4,200 RUB
AVERAGE$140   12,000 RUB
HIGH$730   67,000 RUB
Per Month

Food and Groceries17%

17% of total expenses on average (12% to 22%)

LOW$53   4,900 RUB
AVERAGE$160   15,000 RUB
HIGH$850   78,000 RUB
Per Month

Healthcare14%

14% of total expenses on average (8% to 18%)

LOW$42   3,800 RUB
AVERAGE$130   11,000 RUB
HIGH$670   61,000 RUB
Per Month

Leisure, Shopping3%

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

LOW$23   2,100 RUB
AVERAGE$69   6,200 RUB
HIGH$370   33,000 RUB
Per Month

Education1%

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

LOW$7.6   690 RUB
AVERAGE$23   2,100 RUB
HIGH$120   11,000 RUB
Per Month

Other Expenses21%

21% of total expenses on average (15% to 27%)

LOW$65   5,900 RUB
AVERAGE$190   18,000 RUB
HIGH$1,000   94,000 RUB
Per Month


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

Housing25%

25% of total expenses on average (20% to 35%)

LOW$170   16,000 RUB
AVERAGE$490   44,000 RUB
HIGH$2,700   240,000 RUB
Per Month

Transport, Fuel5%

5% of total expenses on average (3% to 7%)

LOW$43   3,900 RUB
AVERAGE$120   11,000 RUB
HIGH$670   61,000 RUB
Per Month

Food and Groceries21%

21% of total expenses on average (14% to 27%)

LOW$96   8,700 RUB
AVERAGE$270   25,000 RUB
HIGH$1,500   140,000 RUB
Per Month

Healthcare11%

11% of total expenses on average (7% to 16%)

LOW$43   3,900 RUB
AVERAGE$120   11,000 RUB
HIGH$670   61,000 RUB
Per Month

Leisure, Shopping2%

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

LOW$27   2,400 RUB
AVERAGE$76   6,900 RUB
HIGH$420   38,000 RUB
Per Month

Education13%

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

LOW$75   6,800 RUB
AVERAGE$210   19,000 RUB
HIGH$1,200   110,000 RUB
Per Month

Other Expenses16%

16% of total expenses on average (9% to 21%)

LOW$64   5,800 RUB
AVERAGE$180   17,000 RUB
HIGH$1,000   91,000 RUB
Per Month


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

Housing17%

17% of total expenses on average (12% to 23%)

LOW$44   4,000 RUB
AVERAGE$110   10,000 RUB
HIGH$200   18,000 RUB
Per Month

Utilities, Electricity, Water7%

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

LOW$7.4   670 RUB
AVERAGE$18   1,700 RUB
HIGH$33   3,000 RUB
Per Month

Transport, Fuel4%

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

LOW$13   1,200 RUB
AVERAGE$32   2,900 RUB
HIGH$58   5,300 RUB
Per Month

Food and Groceries23%

23% of total expenses on average (17% to 27%)

LOW$37   3,400 RUB
AVERAGE$92   8,400 RUB
HIGH$170   15,000 RUB
Per Month

Healthcare9%

9% of total expenses on average (6% to 12%)

LOW$11   1,000 RUB
AVERAGE$28   2,500 RUB
HIGH$50   4,500 RUB
Per Month

Leisure, Shopping2%

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

LOW$9.2   840 RUB
AVERAGE$23   2,100 RUB
HIGH$42   3,800 RUB
Per Month

Education18%

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

LOW$35   3,200 RUB
AVERAGE$88   8,000 RUB
HIGH$160   14,000 RUB
Per Month

Other Expenses19%

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

LOW$28   2,500 RUB
AVERAGE$69   6,300 RUB
HIGH$120   11,000 RUB
Per Month
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