Cost Of Living For a Single Person in Dubai 2025

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

Average Monthly Expenditure

Currency: AED
1,900 13,000 150,000
MINIMUM AVERAGE MAXIMUM
$520 $3,600 $40,000

Average monthly spending for a single person or individual in Dubai

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

A single person in Dubai spends around 13,000 AED per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 1,900 AED or as high as 150,000 AED. Location and income are very important factors and have a huge influence on expenditure and budget.

Prices and cost of goods and services in Dubai

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

Dining, food, and beverages costs


Fast food combo meal

18 AED 35 AED 59 AED
MINIMUM AVERAGE MAXIMUM
$4.8 $9.6 $16

Restaurant meal for one

61 AED 92 AED 180 AED
MINIMUM AVERAGE MAXIMUM
$17 $25 $50

Fine dining meal for one

120 AED 180 AED 700 AED
MINIMUM AVERAGE MAXIMUM
$32 $48 $190

Cappuccino or latte

15 AED 24 AED 36 AED
MINIMUM AVERAGE MAXIMUM
$4.1 $6.6 $9.8

Grocery and market costs


Milk large bottle

12 AED 15 AED 18 AED
MINIMUM AVERAGE MAXIMUM
$3.3 $4 $5

12 eggs

8.7 AED 12 AED 17 AED
MINIMUM AVERAGE MAXIMUM
$2.4 $3.2 $4.8

Fresh whole chicken

21 AED 27 AED 38 AED
MINIMUM AVERAGE MAXIMUM
$5.7 $7.4 $10

Pack of beef

25 AED 38 AED 76 AED
MINIMUM AVERAGE MAXIMUM
$6.9 $10 $21

Medium bag of rice

9.3 AED 13 AED 18 AED
MINIMUM AVERAGE MAXIMUM
$2.5 $3.5 $4.9

Bag of tomatos

3.5 AED 4.7 AED 8.8 AED
MINIMUM AVERAGE MAXIMUM
$0.96 $1.3 $2.4

Bag of apples

6.4 AED 8.4 AED 14 AED
MINIMUM AVERAGE MAXIMUM
$1.7 $2.3 $3.8
Chart showing the prices and cost of commute, travel, and transportation in Dubai

Commute, travel, and transportation costs


20 minutes taxi ride

15 AED 18 AED 37 AED
MINIMUM AVERAGE MAXIMUM
$4.2 $5 $10

Average car full tank

88 AED 120 AED 240 AED
MINIMUM AVERAGE MAXIMUM
$24 $32 $64

Average car 1-day rental

82 AED 110 AED 160 AED
MINIMUM AVERAGE MAXIMUM
$22 $30 $45

Average car price

42,000 AED 84,000 AED 110,000 AED
MINIMUM AVERAGE MAXIMUM
$11,000 $23,000 $31,000

Bus ticket one way

2.8 AED 4.2 AED 8.4 AED
MINIMUM AVERAGE MAXIMUM
$0.76 $1.1 $2.3

Car Service

110 AED 170 AED 340 AED
MINIMUM AVERAGE MAXIMUM
$31 $47 $93
Chart showing the prices and cost of utility, energy, water, and gas for a single person in Dubai

Utility cost (monthly)


Utility Bill - Individual

99 AED 700 AED 7,700 AED
MINIMUM AVERAGE MAXIMUM
$27 $190 $2,100

Internet and cable

92 AED 180 AED 250 AED
MINIMUM AVERAGE MAXIMUM
$25 $50 $67

Mobile phone charges

60 AED 100 AED 300 AED
MINIMUM AVERAGE MAXIMUM
$16 $27 $82

Leisure and activities costs


Movie ticket

39 AED 52 AED 78 AED
MINIMUM AVERAGE MAXIMUM
$11 $14 $21

One month gym membership

140 AED 180 AED 360 AED
MINIMUM AVERAGE MAXIMUM
$39 $49 $98
Chart showing the prices and cost of clothing and accessories in Dubai

Cloths and accessories costs


Pair of jeans or pants

110 AED 150 AED 230 AED
MINIMUM AVERAGE MAXIMUM
$30 $42 $63

Woman dress

100 AED 150 AED 470 AED
MINIMUM AVERAGE MAXIMUM
$29 $40 $130

Woman shoes

93 AED 130 AED 290 AED
MINIMUM AVERAGE MAXIMUM
$25 $34 $80

Men's shoes

82 AED 100 AED 200 AED
MINIMUM AVERAGE MAXIMUM
$22 $27 $54

Men suit

92 AED 120 AED 610 AED
MINIMUM AVERAGE MAXIMUM
$25 $31 $170

Regular t-shirt

47 AED 63 AED 190 AED
MINIMUM AVERAGE MAXIMUM
$13 $17 $51
Chart showing the prices and cost of housing, accommodation, and rent in Dubai

Housing costs / monthly rent


Studio apartment

1,700 AED 2,500 AED 6,800 AED
MINIMUM AVERAGE MAXIMUM
$460 $690 $1,800

1-bedroom apartment

2,600 AED 4,200 AED 10,000 AED
MINIMUM AVERAGE MAXIMUM
$710 $1,100 $2,800

2-bedroom apartment

3,500 AED 5,300 AED 14,000 AED
MINIMUM AVERAGE MAXIMUM
$970 $1,400 $3,900

Housing costs / Buying


Studio apartment

350,000 AED 530,000 AED 1.1M AED
MINIMUM AVERAGE MAXIMUM
$97,000 $140,000 $290,000

1-bedroom apartment

440,000 AED 730,000 AED 2.7M AED
MINIMUM AVERAGE MAXIMUM
$120,000 $200,000 $740,000

2-bedroom apartment

680,000 AED 2M AED 4.1M AED
MINIMUM AVERAGE MAXIMUM
$180,000 $550,000 $1.1M
Chart showing the prices and cost of furniture in Dubai

Furniture Costs


King Size Bed

1,700 AED 2,200 AED 2,900 AED
MINIMUM AVERAGE MAXIMUM
$470 $590 $790

Double Bed

1,200 AED 1,800 AED 2,200 AED
MINIMUM AVERAGE MAXIMUM
$320 $490 $610

Single Bed

1,100 AED 1,400 AED 1,800 AED
MINIMUM AVERAGE MAXIMUM
$290 $380 $500

Living Room

2,100 AED 2,700 AED 9,400 AED
MINIMUM AVERAGE MAXIMUM
$570 $730 $2,500

Dining Table

870 AED 1,200 AED 2,200 AED
MINIMUM AVERAGE MAXIMUM
$240 $320 $590

Sofa or Couch

1,200 AED 1,600 AED 3,600 AED
MINIMUM AVERAGE MAXIMUM
$320 $440 $970
Chart showing the prices and cost of electronic devices and appliances in Dubai

Electronics and House Appliance Costs


TV Set

1,200 AED 1,800 AED 3,600 AED
MINIMUM AVERAGE MAXIMUM
$330 $490 $980

Fridge or Freezer

1,100 AED 1,700 AED 2,300 AED
MINIMUM AVERAGE MAXIMUM
$290 $450 $620

Washing Machine

1,300 AED 1,900 AED 3,400 AED
MINIMUM AVERAGE MAXIMUM
$360 $520 $930

Stove or Cooker

1,300 AED 1,600 AED 2,200 AED
MINIMUM AVERAGE MAXIMUM
$340 $430 $600

Mobile Phone

1,500 AED 1,800 AED 2,600 AED
MINIMUM AVERAGE MAXIMUM
$410 $490 $700

Laptop or Computer

1,700 AED 2,000 AED 3,700 AED
MINIMUM AVERAGE MAXIMUM
$450 $560 $1,000
Single person or Individual cost of living and expenditure to income ratio in Dubai

Single person expenditure to income ratio in Dubai

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

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

88%

79% to 98%

( expenditure / income ) x 100


Individuals in Dubai spend around 88% of their monthly income. Some individuals spend as low as 79% of their income while some as high as 98%.

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

How do individuals spend their money in Dubai?

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 Cost32%

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

LOW$180   670 AED
AVERAGE$1,300   4,700 AED
HIGH$14,000   52,000 AED
Per Month

Individuals in Dubai typically spend from 20% to 44% of their total monthly expenditure on housing with 32% being the average. The average monthly spend on housing is 4,700 AED with expenditure ranging from 670 AED to 52,000 AED. 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 utilities8%

8% of total expenses on average (4% to 13%)

LOW$27   99 AED
AVERAGE$190   700 AED
HIGH$2,100   7,700 AED
Per Month

Utility expenditure like electricity, water, and gas in Dubai ranges from 4% to 13% of total expenses with 8% being the average for most individuals. The average monthly cost of utilities is 700 AED with 99 AED and 7,700 AED being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Cost of transport and fuel6%

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

LOW$39   140 AED
AVERAGE$270   1,000 AED
HIGH$3,000   11,000 AED
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 140 AED to 11,000 AED in a month on commuting with 1,000 AED being the norm for most individuals. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 4% or as high as 12%.

Food, groceries, and basic shopping expenditure for individuals

Food and Groceries Cost18%

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

LOW$75   280 AED
AVERAGE$530   1,900 AED
HIGH$5,900   22,000 AED
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Dubai is 1,900 AED. The cost of groceries can range between 280 AED to 22,000 AED. Individuals spend on average about 18% on food and groceries with upper and lower bounds of 12% and 23% respectively.

Healthcare and medical services expenditure for individuals

Cost of healthcare11%

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

LOW$38   140 AED
AVERAGE$260   970 AED
HIGH$2,900   11,000 AED
Per Month

Individuals in Dubai allocate 5% to 15% 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 11%. The range of medical expenses range from 140 AED to 11,000 AED with 970 AED being the norm for most individuals.

Leisure and shopping expenditure for individuals

Cost of leisure and shopping3%

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

LOW$24   86 AED
AVERAGE$170   610 AED
HIGH$1,800   6,800 AED
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 86 AED to 6,800 AED with 610 AED being the average. Speaking of percentages, that equates to 3% to 6% of total expenses with an average of 3% for most individuals.

Education and schooling expenditure for individuals

Cost of education and schooling2%

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

LOW$9.4   35 AED
AVERAGE$66   240 AED
HIGH$740   2,700 AED
Per Month

Spending on education can vary drastically between different individuals. On average, education constitutes 2% of the monthly expenditure of individuals with 1% and 4% being the lower and upper bounds respectively. The average reported education cost is 240 AED per month with 35 AED being the minimum spent amount and 2,700 AED being the maximum.

Other Expenses20%

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

LOW$89   330 AED
AVERAGE$620   2,300 AED
HIGH$6,900   26,000 AED
Per Month
Percentage of individuals who manage to save money from their income every month in Dubai

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


Percentage of individuals that reported their ability to save money


Saving Money
79%
Not Saving
21%

Almost 79% of surveyed individuals in Dubai said that they can save some money at the end of each month while 21% reported that they have to utilize their whole income to survive.


A single person savings to income ratio in Dubai

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

15% 25% of income 38%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

590 AED
$160
5,300 AED
$1,500
59,000 AED
$16,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

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

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 15% to 38% of their monthly income to their savings, with 25% being the average for most individuals. The average monthly amount of money that individuals can put aside is 5,300 AED with 590 AED and 59,000 AED being the minimum and maximum respectively.

Where do individuals choose to put their savings in Dubai

Typical saving choices for individuals in Dubai

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings17%
Real Estate10%
Investment6%
Stocks6%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
Reasons that make it difficult for individuals to save money in Dubai

Saving Challenges in Dubai

Reasons that make it difficult for individuals to save money

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


Reason% People
Low Income6%
High Expenses9%
Debt and Loans17%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later18%
Inflation11%
Social Pressure3%
Market Instability3%

Around 6% of the individuals 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. 17% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% of individuals blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 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.

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.

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

Low-cost alternatives in Dubai

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 options62%

Few low-cost options38%


Based on the survey, 62% of the individuals living in Dubai have no problem finding low-cost alternatives to support a frugal lifestyle while 38% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Income and cost of living compatibility. Is it affordable or economical for individuals to live in Dubai

Affordable living in Dubai

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Dubai?


Yes
76%
No
24%

Around 76% of surveyed individuals think that living in Dubai is affordable with proper budgeting while 24% reported that it is just too expensive and not affordable even with frugality and thriftness.

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

Yes75%

No25%


Based on the survey, 25% of the individuals living in Dubai said that they don't have an emergency fund while 75% said that they do.

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

Financial Literacy in

Financial literacy is the knowledge of concepts and principles related to personal finance that allow individuals to make informed decisions regarding their money such as budgeting, saving, investing, borrowing, managing debt, financial risk management, and planning.

Financial Leteracy71%


We asked individuals in Dubai whether they acquired any adequate personal financial training in their lives. Approximately 29% 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 71% 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 have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 23% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 77% said that they have everything under control.

Struggles with finance23%

Easily manages finances77%

Financial goals and targets of single people living in Dubai

Financial goals of individuals in Dubai

In an attempt to understand the economic situation in Dubai, 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 Reduction35%
Retirement Savings8%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle10%
Healthcare Expenses10%
Financial Independence8%

Around 7% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 35% 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 10% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Monthly costs and expenses of energy and basic utilities in Dubai

Utilities expenditure can vary slightly between different areas and locations.


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

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

99 AED 700 AED 7,700 AED
MINIMUM AVERAGE MAXIMUM
$27 $190 $2,100

Internet and cable cost

92 AED 180 AED 250 AED
MINIMUM AVERAGE MAXIMUM
$25 $50 $67

Mobile phone bill and charges

60 AED 100 AED 300 AED
MINIMUM AVERAGE MAXIMUM
$16 $27 $82

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 700 AED. The cost of internet and WiFi ranges from 92 AED to 250 AED with 180 AED being the average internet bill. Finally, the average monthly mobile charges is around 100 AED but can range between 60 AED and 300 AED 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


2.4% 5.9% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Dubai is around 5.9%. This means that people pay 5.9% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.4% to 11% depending on salary and location.

Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Dubai

Housing costs, accommodation, and housing affordability in Dubai

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


Rent Cost in Dubai

Monthly Rent Prices

Studio apartment monthly rent cost

1,700 AED 2,500 AED 6,800 AED
MINIMUM AVERAGE MAXIMUM
$460 $690 $1,800

1-bedroom apartment monthly rent cost

2,600 AED 4,200 AED 10,000 AED
MINIMUM AVERAGE MAXIMUM
$710 $1,100 $2,800

2-bedroom apartment monthly rent cost

3,500 AED 5,300 AED 14,000 AED
MINIMUM AVERAGE MAXIMUM
$970 $1,400 $3,900

3-bedroom apartment monthly rent cost

4,400 AED 7,300 AED 20,000 AED
MINIMUM AVERAGE MAXIMUM
$1,200 $2,000 $5,400

Furnished apartment monthly rent cost

8,300 AED 21,000 AED 42,000 AED
MINIMUM AVERAGE MAXIMUM
$2,300 $5,700 $11,000

Townhouse monthly rent cost

6,800 AED 10,000 AED 29,000 AED
MINIMUM AVERAGE MAXIMUM
$1,800 $2,800 $7,900

House monthly rent cost

8,300 AED 21,000 AED 42,000 AED
MINIMUM AVERAGE MAXIMUM
$2,300 $5,700 $11,000

Villa monthly rent cost

10,000 AED 25,000 AED 41,000 AED
MINIMUM AVERAGE MAXIMUM
$2,800 $6,900 $11,000

The monthly rental cost of a studio apartment in Dubai ranges between 1,700 AED and 6,800 AED, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 2,600 AED to 10,000 AED. Two-bedroom rentals rate ranges between 3,500 AED and 14,000 AED per month. The monthly rental for a three-bedroom apartment ranges from 4,400 AED to 20,000 AED. The average rent of a townhouse in Dubai is around 10,000 AED while house rental costs can be as high as 21,000 AED per month. Finally, if you want to rent a villa, expect to pay anywhere from 10,000 AED to 41,000 AED per month.



Apartment and house prices in Dubai

Cost of buying a property

Studio apartment price

350,000 AED 530,000 AED 1.1M AED
MINIMUM AVERAGE MAXIMUM
$97,000 $140,000 $290,000

1-bedroom apartment price

440,000 AED 730,000 AED 2.7M AED
MINIMUM AVERAGE MAXIMUM
$120,000 $200,000 $740,000

2-bedroom apartment price

680,000 AED 2M AED 4.1M AED
MINIMUM AVERAGE MAXIMUM
$180,000 $550,000 $1.1M

3-bedroom apartment price

2.3M AED 3.5M AED 10M AED
MINIMUM AVERAGE MAXIMUM
$630,000 $940,000 $2.8M

Townhouse price

3.1M AED 7.1M AED 27M AED
MINIMUM AVERAGE MAXIMUM
$830,000 $1.9M $7.3M

House price

3.6M AED 22M AED 31M AED
MINIMUM AVERAGE MAXIMUM
$990,000 $6M $8.5M

Villa price

4.4M AED 24M AED 36M AED
MINIMUM AVERAGE MAXIMUM
$1.2M $6.6M $9.9M

The average price of a studio apartment in Dubai can range from 350,000 AED to 1.1M AED depending on location. One bedroom cost can be anywhere from 440,000 AED to 2.7M AED. A villa can cost you 24M AED on average with prices ranging from 4.4M AED to 36M AED.


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


54 x158 monthly income 285
MINIMUM AVERAGE MAXIMUM

Property prices in Dubai can be x158 to x285 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x158 multiples of the average monthly salary in Dubai.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


27% 39% of income 51%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Dubai is around 39%. This means that people pay 39% of their income for rent. Those figures can range from 27% to 51% 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
30%

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
4.2%

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.


29 AED 290 AED 4,400 AED
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.

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

Debt, loans, and mortgages in Dubai


Percentage of individuals who are in debt


In Debt
24%
Debt Free
76%

According to the survey, 24% of the individuals in Dubai have some kind of debt, loan, mortgage, or credit card payments while 76% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Dubai

Debt-to-income ratio in Dubai

Debt to income ratio

28%

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 28% of a single person's monthly income in Dubai goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%13%
40% - 50%12%
30% - 40%14%
20% - 30%14%
10% - 20%17%
0% - 10%27%

According to our data, 3% of the debtors in Dubai pay 60%+ of their income as debt settlement while 13% 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 14% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Dubai

Debt% People
Real Estate Mortgage12%
Auto Loan21%
Student Loan3%
Credit Card26%
Personal Loan38%

12% of debtors in Dubai confirm that real estate mortgages constitutes the main part of their outstanding debt while 26% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 21% of people and personal loans rose at 38%. Lastly, student loans are the main source of debt for 3% of debtors in Dubai.


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 Dubai

Besides measuring the loan-to-income ratio, we asked individuals 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
Never54%
Once a year22%
Twice a year12%
Three times a year8%
Four times a year4%

Food Prices, Dining Expenses, and Grocery Costs in Dubai

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


Prices and cost of goods and services in Dubai

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

Fast food combo meal price

18 AED 35 AED 59 AED
MINIMUM AVERAGE MAXIMUM
$4.8 $9.6 $16

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Dubai is approximatly 35 AED with meal cost ranging from 18 AED to 59 AED. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

61 AED 92 AED 180 AED
MINIMUM AVERAGE MAXIMUM
$17 $25 $50

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 61 AED and 180 AED with 92 AED being the average price of a plate for one person at a regular restaurant in Dubai.

Fine dining meal for one price

120 AED 180 AED 700 AED
MINIMUM AVERAGE MAXIMUM
$32 $48 $190

The price range of a meal at fine-dining restaurant is 120 AED to 700 AED with the average cost being 180 AED for one person. This is what you would expect to pay a top-tier diner in Dubai.

Beverage prices, cappuccino, latte etc..

15 AED 24 AED 36 AED
MINIMUM AVERAGE MAXIMUM
$4.1 $6.6 $9.8

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Dubai is around 24 AED. Price ranges between 15 AED and 36 AED depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

12 AED 15 AED 18 AED
MINIMUM AVERAGE MAXIMUM
$3.3 $4 $5

The average price of a large bottle of milk in Dubai is 15 AED. The maximum what you would pay for milk is 18 AED and the minimum being 12 AED depending on the brand of milk and other properties.

12 eggs price

8.7 AED 12 AED 17 AED
MINIMUM AVERAGE MAXIMUM
$2.4 $3.2 $4.8

A dozen eggs costs around 12 AED on average with 8.7 AED and 17 AED being the lower and upper limits respectively.

Fresh whole chicken price

21 AED 27 AED 38 AED
MINIMUM AVERAGE MAXIMUM
$5.7 $7.4 $10

The price range of a fresh whole chicken in Dubai is between 21 AED and 38 AED depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 27 AED.

Pack of beef price

25 AED 38 AED 76 AED
MINIMUM AVERAGE MAXIMUM
$6.9 $10 $21

The price of a regular pack of beef or meat is around 38 AED. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

9.3 AED 13 AED 18 AED
MINIMUM AVERAGE MAXIMUM
$2.5 $3.5 $4.9

A bag of rice in Dubai costs around 13 AED on average with prices rangeing between 9.3 AED and 18 AED depending on the brand and quality.

Bag of tomatos price

3.5 AED 4.7 AED 8.8 AED
MINIMUM AVERAGE MAXIMUM
$0.96 $1.3 $2.4

A bag of tomatoes costs anywhere from 3.5 AED to 8.8 AED. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

6.4 AED 8.4 AED 14 AED
MINIMUM AVERAGE MAXIMUM
$1.7 $2.3 $3.8

A bag of apples costs 8.4 AED 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% 30% of income 37%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Dubai is around 30%. This means that individuals spend 30% of their income on grocery and basic household items. The expenditure can range from 21% to 37% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 280 AED to 22,000 AED with the location, income being the most determinite factors.

Published: March 25, 2024   Last Update: April 7, 2025



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