Cost Of Living For a Single Person in Bulawayo 2025

Single person cost of living chart - individual average monthly expenditure in Bulawayo

Average Monthly Expenditure

Currency: ZWL
22,000 160,000 1.1M
MINIMUM AVERAGE MAXIMUM
$1.3 $9.7 $65

Average monthly spending for a single person or individual in Bulawayo

How much money does an individual need in a month to survive in Bulawayo?

A single person in Bulawayo spends around 160,000 ZWL per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 22,000 ZWL or as high as 1.1M ZWL. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Bulawayo


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

Dining, food, and beverages costs


Fast food combo meal

210 ZWL 430 ZWL 710 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.03 $0.04

Restaurant meal for one

730 ZWL 1,100 ZWL 2,200 ZWL
MINIMUM AVERAGE MAXIMUM
$0.04 $0.07 $0.13

Fine dining meal for one

1,500 ZWL 2,200 ZWL 8,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.13 $0.54

Cappuccino or latte

180 ZWL 290 ZWL 430 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

Grocery and market costs


Milk large bottle

140 ZWL 170 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

12 eggs

110 ZWL 140 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Fresh whole chicken

240 ZWL 320 ZWL 450 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

Pack of beef

290 ZWL 430 ZWL 860 ZWL
MINIMUM AVERAGE MAXIMUM
$0.02 $0.03 $0.05

Medium bag of rice

120 ZWL 160 ZWL 220 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Bag of tomatos

43 ZWL 57 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Bag of apples

77 ZWL 100 ZWL 160 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01
Chart showing the prices and cost of commute, travel, and transportation in Bulawayo


Commute, travel, and transportation costs


20 minutes taxi ride

180 ZWL 220 ZWL 440 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.03

Average car full tank

1,100 ZWL 1,400 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.17

Average car 1-day rental

1,100 ZWL 1,500 ZWL 2,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.14

Average car price

540,000 ZWL 1.1M ZWL 1.4M ZWL
MINIMUM AVERAGE MAXIMUM
$33 $65 $87

Bus ticket one way

38 ZWL 56 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

Car Service

1,500 ZWL 2,300 ZWL 4,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.14 $0.27
Chart showing the prices and cost of utility, energy, water, and gas in Bulawayo


Utility cost (monthly)


Utility Bill - Individual

1,300 ZWL 9,500 ZWL 64,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.58 $3.9

Internet and cable

1,100 ZWL 2,100 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.13 $0.17

Mobile phone charges

860 ZWL 1,400 ZWL 4,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.09 $0.26

Leisure and activities costs


Movie ticket

540 ZWL 710 ZWL 1,100 ZWL
MINIMUM AVERAGE MAXIMUM
$0.03 $0.04 $0.07

One month gym membership

1,800 ZWL 2,300 ZWL 4,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.11 $0.14 $0.27
Chart showing the prices and cost of clothing and accessories in Bulawayo


Cloths and accessories costs


Pair of jeans or pants

1,300 ZWL 1,900 ZWL 2,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.11 $0.17

Woman dress

1,300 ZWL 1,700 ZWL 5,600 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.11 $0.34

Woman shoes

1,200 ZWL 1,600 ZWL 3,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.10 $0.23

Men's shoes

1,000 ZWL 1,300 ZWL 2,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.06 $0.08 $0.15

Men suit

1,100 ZWL 1,400 ZWL 7,500 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.09 $0.46

Regular t-shirt

560 ZWL 750 ZWL 2,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.03 $0.05 $0.14
Chart showing the prices and cost of housing, accommodation, and rent in Bulawayo


Housing costs / monthly rent


Studio apartment

19,000 ZWL 28,000 ZWL 75,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.7 $4.6

1-bedroom apartment

28,000 ZWL 45,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.7 $2.7 $6.9

2-bedroom apartment

38,000 ZWL 56,000 ZWL 150,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $9.1

Housing costs / Buying


Studio apartment

3.8M ZWL 5.6M ZWL 11M ZWL
MINIMUM AVERAGE MAXIMUM
$230 $340 $690

1-bedroom apartment

4.5M ZWL 7.5M ZWL 28M ZWL
MINIMUM AVERAGE MAXIMUM
$270 $460 $1,700

2-bedroom apartment

7.5M ZWL 23M ZWL 45M ZWL
MINIMUM AVERAGE MAXIMUM
$460 $1,400 $2,700
Chart showing the prices and cost of furniture in Bulawayo


Furniture Costs


King Size Bed

21,000 ZWL 27,000 ZWL 36,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.3 $1.6 $2.2

Double Bed

14,000 ZWL 21,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.3 $1.6

Single Bed

13,000 ZWL 16,000 ZWL 21,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.77 $1 $1.3

Living Room

24,000 ZWL 31,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.5 $1.9 $6.5

Dining Table

11,000 ZWL 14,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.65 $0.87 $1.6

Sofa or Couch

14,000 ZWL 19,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.2 $2.6
Chart showing the prices and cost of electronic devices and appliances in Bulawayo


Electronics and House Appliance Costs


TV Set

14,000 ZWL 21,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.87 $1.3 $2.6

Fridge or Freezer

13,000 ZWL 19,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.77 $1.2 $1.6

Washing Machine

16,000 ZWL 24,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1 $1.5 $2.6

Stove or Cooker

15,000 ZWL 19,000 ZWL 27,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.93 $1.2 $1.6

Mobile Phone

18,000 ZWL 21,000 ZWL 31,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $1.9

Laptop or Computer

19,000 ZWL 24,000 ZWL 43,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.5 $2.6
Single person or Individual cost of living and expenditure to income ratio in Bulawayo

Single person expenditure to income ratio in Bulawayo

Analysing the how affordable it is for an individual to live in Bulawayo

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. Individuals usually spend a larger chunk of their income than other population groups. A typical and healthy expenditure percentage for a single individual ranges between 70% to 80%.


Spending to Income Ratio

83%

78% to 90%

( expenditure / income ) x 100


Individuals in Bulawayo spend around 83% of their monthly income. Some individuals spend as low as 78% of their income while some as high as 90%.

Distribution of monthly cost of living expenses of a single person in Bulawayo

How do individuals spend their money in Bulawayo?

We asked thousands of individuals about their spending habits and expenditure break down.


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 and accomodation expenditure for individuals

Accomodation Cost28%

28% of total expenses on average (16% to 40%)

LOW$0.49   8,000 ZWL
AVERAGE$3.5   57,000 ZWL
HIGH$23   380,000 ZWL
Per Month

Individuals in Bulawayo typically spend from 16% to 40% of their total monthly expenditure on housing with 28% being the average. The average monthly spend on housing is 57,000 ZWL with expenditure ranging from 8,000 ZWL to 380,000 ZWL. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for individuals

Cost of utilities9%

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

LOW$0.08   1,300 ZWL
AVERAGE$0.58   9,500 ZWL
HIGH$3.9   64,000 ZWL
Per Month

Utility expenditure like electricity, water, and gas in Bulawayo ranges from 5% to 14% of total expenses with 9% being the average for most individuals. The average monthly cost of utilities is 9,500 ZWL with 1,300 ZWL and 64,000 ZWL being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Cost of transport and fuel4%

4% of total expenses on average (2% to 10%)

LOW$0.11   1,800 ZWL
AVERAGE$0.77   13,000 ZWL
HIGH$5.2   85,000 ZWL
Per Month

Fuel consumption and cost of transport depend heavily on whether a single person resides near school and work, but roughly speaking a single person would expect to spend from 1,800 ZWL to 85,000 ZWL in a month on commuting with 13,000 ZWL being the norm for most individuals. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 2% or as high as 10%.

Food, groceries, and basic shopping expenditure for individuals

Food and Groceries Cost20%

20% of total expenses on average (14% to 25%)

LOW$0.22   3,500 ZWL
AVERAGE$1.5   25,000 ZWL
HIGH$10   170,000 ZWL
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Bulawayo is 25,000 ZWL. The cost of groceries can range between 3,500 ZWL to 170,000 ZWL. Individuals spend on average about 20% on food and groceries with upper and lower bounds of 14% and 25% respectively.

Healthcare and medical services expenditure for individuals

Cost of healthcare13%

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

LOW$0.12   2,000 ZWL
AVERAGE$0.87   14,000 ZWL
HIGH$5.8   95,000 ZWL
Per Month

Individuals in Bulawayo allocate 7% to 17% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending on medical services and clinic visits is around 13%. The range of medical expenses range from 2,000 ZWL to 95,000 ZWL with 14,000 ZWL being the norm for most individuals.

Leisure and shopping expenditure for individuals

Cost of leisure and shopping2%

2% of total expenses on average (1% to 5%)

LOW$0.07   1,100 ZWL
AVERAGE$0.48   7,900 ZWL
HIGH$3.2   53,000 ZWL
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 1,100 ZWL to 53,000 ZWL with 7,900 ZWL being the average. Speaking of percentages, that equates to 1% to 5% of total expenses with an average of 2% for most individuals.

Education and schooling expenditure for individuals

Cost of education and schooling1%

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

LOW$0.03   440 ZWL
AVERAGE$0.19   3,200 ZWL
HIGH$1.3   21,000 ZWL
Per Month

Spending on education can vary drastically between different individuals. On average, education constitutes 1% of the monthly expenditure of individuals with 0.00% and 3% being the lower and upper bounds respectively. The average reported education cost is 3,200 ZWL per month with 440 ZWL being the minimum spent amount and 21,000 ZWL being the maximum.

Other Expenses23%

23% of total expenses on average (15% to 27%)

LOW$0.24   4,000 ZWL
AVERAGE$1.7   29,000 ZWL
HIGH$12   190,000 ZWL
Per Month
Percentage of individuals who manage to save money from their income every month in Bulawayo

What percentage of individuals in Bulawayo are able to save money and how much can they save?


Percentage of individuals that reported their ability to save money


Saving Money
56%
Not Saving
44%

Almost 56% of surveyed individuals in Bulawayo said that they can save some money at the end of each month while 44% reported that they have to utilize their whole income to survive.


A single person savings to income ratio in Bulawayo

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.


How much money do individuals manage to add to their savings?

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.

Saving to Income Ratio

8.3% 15% of income 28%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

4,900 ZWL
$0.30
44,000 ZWL
$2.7
290,000 ZWL
$18
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

Saving To Income Ratio% Individuals
0% - 10%34%
10% - 20%27%
20% - 30%17%
30% - 40%11%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 8.3% to 28% of their monthly income to their savings, with 15% being the average for most individuals. The average monthly amount of money that individuals can put aside is 44,000 ZWL with 4,900 ZWL and 290,000 ZWL being the minimum and maximum respectively.

Reasons that make it difficult for individuals to save money in Bulawayo

Saving Challenges in Bulawayo

Reasons that make it difficult for individuals to save money

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


Reason% People
Low Income4%
High Expenses7%
Debt and Loans10%
Lack of Budgeting Skills12%
Impulsive Spending13%
Financial Emergencies8%
Living the moment5%
Will do it later23%
Inflation15%
Social Pressure2%
Market Instability1%

Around 4% of the individuals said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 10% 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. 13% of individuals blamed impulsive spending as the reason for saving inability. Around 8% 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. 23% 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. 15% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 2% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 1% blamed market instability and price fluctuations.

Where do individuals choose to put their savings in Bulawayo

Typical saving choices for individuals in Bulawayo

Where do people choose to put their savings?


Saving Type% People
Emergency Funds13%
Gold15%
Savings Accounts16%
Retirement Accounts9%
Cash Savings24%
Real Estate8%
Investment4%
Stocks3%
Bonds4%
Mutual Funds1%
Certificates of Deposit2%
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 for individuals to live in Bulawayo

Affordable living in Bulawayo

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Bulawayo?


Yes
42%
No
58%

Around 42% of surveyed individuals think that living in Bulawayo is affordable with proper budgeting while 58% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for individuals. Are there plenty of low-cost options in Bulawayo

Low-cost alternatives in Bulawayo

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 individuals how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options54%

Few low-cost options46%


Based on the survey, 54% of the individuals living in Bulawayo have no problem finding low-cost alternatives to support a frugal lifestyle while 46% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Emergency Funds For Individuals

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

Yes39%

No61%


Based on the survey, 61% of the individuals living in Bulawayo said that they don't have an emergency fund while 39% said that they do.

Financial literacy and difficulty in budgeting and financial planning for individuals in Bulawayo

Financial Literacy in Zimbabwe

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 Leteracy36%


We asked individuals in Bulawayo whether they acquired any adequate personal financial training in their lives. Approximately 64% 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 36% 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 single people of Zimbabwe have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 62% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 38% said that they have everything under control.

Struggles with finance62%

Easily manages finances38%

Financial goals and targets of single people living in Bulawayo

Financial goals of individuals in Bulawayo

In an attempt to understand the economic situation in Bulawayo, 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 Fund9%
Debt Reduction48%
Retirement Savings12%
Education Funding6%
Homeownership19%
Investing5%
Travel or Lifestyle4%
Healthcare Expenses17%
Financial Independence3%

Around 9% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 48% said their number one priority is to pay off high-interest debt or loans and improve credit. 12% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 5% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 4% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 17% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Chart showing the percentage of individuals who are in debt in Bulawayo

Debt, loans, and mortgages in Bulawayo


Percentage of individuals who are in debt


In Debt
34%
Debt Free
66%

According to the survey, 34% of the individuals in Bulawayo have some kind of debt, loan, mortgage, or credit card payments while 66% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Bulawayo

Debt-to-income ratio in Bulawayo

Debt to income ratio

35%

28% to 44%

( 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 35% of a single person's monthly income in Bulawayo goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%4%
50% - 60%22%
40% - 50%16%
30% - 40%18%
20% - 30%7%
10% - 20%8%
0% - 10%24%

According to our data, 4% of the debtors in Bulawayo pay 60%+ of their income as debt settlement while 22% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 16% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 18% dedicated 30% to 40% of income for same. Things are looking brighter for 7% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Bulawayo

Debt% People
Real Estate Mortgage5%
Auto Loan11%
Student Loan5%
Credit Card33%
Personal Loan47%

5% of debtors in Bulawayo confirm that real estate mortgages constitutes the main part of their outstanding debt while 33% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 11% of people and personal loans rose at 47%. Lastly, student loans are the main source of debt for 5% of debtors in Bulawayo.


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 Bulawayo

Besides measuring the loan-to-income ratio, we asked individuals of Bulawayo 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
Never47%
Once a year25%
Twice a year13%
Three times a year10%
Four times a year5%
Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Bulawayo

Housing costs, accommodation, and housing affordability in Bulawayo

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


Rent Cost in Bulawayo

Monthly Rent Prices

Studio apartment monthly rent cost

19,000 ZWL 28,000 ZWL 75,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.7 $4.6

1-bedroom apartment monthly rent cost

28,000 ZWL 45,000 ZWL 110,000 ZWL
MINIMUM AVERAGE MAXIMUM
$1.7 $2.7 $6.9

2-bedroom apartment monthly rent cost

38,000 ZWL 56,000 ZWL 150,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $9.1

3-bedroom apartment monthly rent cost

45,000 ZWL 75,000 ZWL 200,000 ZWL
MINIMUM AVERAGE MAXIMUM
$2.7 $4.6 $12

Furnished apartment monthly rent cost

90,000 ZWL 230,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$5.5 $14 $27

Townhouse monthly rent cost

75,000 ZWL 110,000 ZWL 320,000 ZWL
MINIMUM AVERAGE MAXIMUM
$4.6 $6.9 $20

House monthly rent cost

90,000 ZWL 230,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$5.5 $14 $27

Villa monthly rent cost

110,000 ZWL 280,000 ZWL 450,000 ZWL
MINIMUM AVERAGE MAXIMUM
$6.9 $17 $27

The monthly rental cost of a studio apartment in Bulawayo ranges between 19,000 ZWL and 75,000 ZWL, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 28,000 ZWL to 110,000 ZWL. Two-bedroom rentals rate ranges between 38,000 ZWL and 150,000 ZWL per month. The monthly rental for a three-bedroom apartment ranges from 45,000 ZWL to 200,000 ZWL. The average rent of a townhouse in Bulawayo is around 110,000 ZWL while house rental costs can be as high as 230,000 ZWL per month. Finally, if you want to rent a villa, expect to pay anywhere from 110,000 ZWL to 450,000 ZWL per month.



Apartment and house prices in Bulawayo

Cost of buying a property

Studio apartment price

3.8M ZWL 5.6M ZWL 11M ZWL
MINIMUM AVERAGE MAXIMUM
$230 $340 $690

1-bedroom apartment price

4.5M ZWL 7.5M ZWL 28M ZWL
MINIMUM AVERAGE MAXIMUM
$270 $460 $1,700

2-bedroom apartment price

7.5M ZWL 23M ZWL 45M ZWL
MINIMUM AVERAGE MAXIMUM
$460 $1,400 $2,700

3-bedroom apartment price

25M ZWL 38M ZWL 110M ZWL
MINIMUM AVERAGE MAXIMUM
$1,500 $2,300 $6,900

Townhouse price

32M ZWL 75M ZWL 280M ZWL
MINIMUM AVERAGE MAXIMUM
$2,000 $4,600 $17,000

House price

38M ZWL 230M ZWL 320M ZWL
MINIMUM AVERAGE MAXIMUM
$2,300 $14,000 $20,000

Villa price

45M ZWL 250M ZWL 380M ZWL
MINIMUM AVERAGE MAXIMUM
$2,700 $15,000 $23,000

The average price of a studio apartment in Bulawayo can range from 3.8M ZWL to 11M ZWL depending on location. One bedroom cost can be anywhere from 4.5M ZWL to 28M ZWL. A villa can cost you 250M ZWL on average with prices ranging from 45M ZWL to 380M ZWL.


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


25 x65 monthly income 184
MINIMUM AVERAGE MAXIMUM

Property prices in Bulawayo can be x65 to x184 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x65 multiples of the average monthly salary in Bulawayo.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


17% 27% of income 37%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Bulawayo is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 17% to 37% depending on the salary, location, and type of property.


The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.

Housing affordability index

The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.

Housing Affordability Index
24%

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
1.6%
AVERAGE
2.6%
TO
3.5%

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.


350 ZWL 4,600 ZWL 46,000 ZWL
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 Bulawayo

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / A single person

1,300 ZWL 9,500 ZWL 64,000 ZWL
MINIMUM AVERAGE MAXIMUM
$0.08 $0.58 $3.9

Internet and cable cost

1,100 ZWL 2,100 ZWL 2,900 ZWL
MINIMUM AVERAGE MAXIMUM
$0.07 $0.13 $0.17

Mobile phone bill and charges

860 ZWL 1,400 ZWL 4,300 ZWL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.09 $0.26

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 energy and water consumption of individuals is around 9,500 ZWL. The cost of internet and WiFi ranges from 1,100 ZWL to 2,900 ZWL with 2,100 ZWL being the average internet bill. Finally, the average monthly mobile charges is around 1,400 ZWL but can range between 860 ZWL and 4,300 ZWL 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


4.1% 7.2% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Bulawayo is around 7.2%. This means that people pay 7.2% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.1% to 11% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Bulawayo

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


Prices and cost of goods and services in Bulawayo

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

Fast food combo meal price

210 ZWL 430 ZWL 710 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.03 $0.04

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Bulawayo is approximatly 430 ZWL with meal cost ranging from 210 ZWL to 710 ZWL. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

730 ZWL 1,100 ZWL 2,200 ZWL
MINIMUM AVERAGE MAXIMUM
$0.04 $0.07 $0.13

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 730 ZWL and 2,200 ZWL with 1,100 ZWL being the average price of a plate for one person at a regular restaurant in Bulawayo.

Fine dining meal for one price

1,500 ZWL 2,200 ZWL 8,800 ZWL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.13 $0.54

The price range of a meal at fine-dining restaurant is 1,500 ZWL to 8,800 ZWL with the average cost being 2,200 ZWL for one person. This is what you would expect to pay a top-tier diner in Bulawayo.

Beverage prices, cappuccino, latte etc..

180 ZWL 290 ZWL 430 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Bulawayo is around 290 ZWL. Price ranges between 180 ZWL and 430 ZWL depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

140 ZWL 170 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

The average price of a large bottle of milk in Bulawayo is 170 ZWL. The maximum what you would pay for milk is 210 ZWL and the minimum being 140 ZWL depending on the brand of milk and other properties.

12 eggs price

110 ZWL 140 ZWL 210 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

A dozen eggs costs around 140 ZWL on average with 110 ZWL and 210 ZWL being the lower and upper limits respectively.

Fresh whole chicken price

240 ZWL 320 ZWL 450 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.02 $0.03

The price range of a fresh whole chicken in Bulawayo is between 240 ZWL and 450 ZWL depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 320 ZWL.

Pack of beef price

290 ZWL 430 ZWL 860 ZWL
MINIMUM AVERAGE MAXIMUM
$0.02 $0.03 $0.05

The price of a regular pack of beef or meat is around 430 ZWL. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

120 ZWL 160 ZWL 220 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

A bag of rice in Bulawayo costs around 160 ZWL on average with prices rangeing between 120 ZWL and 220 ZWL depending on the brand and quality.

Bag of tomatos price

43 ZWL 57 ZWL 110 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

A bag of tomatoes costs anywhere from 43 ZWL to 110 ZWL. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

77 ZWL 100 ZWL 160 ZWL
MINIMUM AVERAGE MAXIMUM
$0.01 $0.01 $0.01

A bag of apples costs 100 ZWL 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


21% 29% of income 35%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Bulawayo is around 29%. This means that individuals spend 29% of their income on grocery and basic household items. The expenditure can range from 21% to 35% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 3,500 ZWL to 170,000 ZWL with the location, income being the most determinite factors.

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