Cost Of Living For a Single Person in Khulna 2024

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

Average Monthly Expenditure

Currency: BDT
2,700 20,000 130,000
MINIMUM AVERAGE MAXIMUM
$25 $180 $1,200

Average monthly spending for a single person or individual in Khulna

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

A single person in Khulna spends around 20,000 BDT per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 2,700 BDT or as high as 130,000 BDT. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Khulna


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

Dining, food, and beverages costs


Fast food combo meal

27 BDT 54 BDT 90 BDT
MINIMUM AVERAGE MAXIMUM
$0.25 $0.49 $0.82

Restaurant meal for one

92 BDT 140 BDT 280 BDT
MINIMUM AVERAGE MAXIMUM
$0.84 $1.3 $2.5

Fine dining meal for one

180 BDT 280 BDT 1,100 BDT
MINIMUM AVERAGE MAXIMUM
$1.7 $2.5 $10

Cappuccino or latte

23 BDT 36 BDT 54 BDT
MINIMUM AVERAGE MAXIMUM
$0.21 $0.33 $0.49

Grocery and market costs


Milk large bottle

18 BDT 22 BDT 27 BDT
MINIMUM AVERAGE MAXIMUM
$0.16 $0.20 $0.25

12 eggs

14 BDT 18 BDT 27 BDT
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.25

Fresh whole chicken

31 BDT 40 BDT 56 BDT
MINIMUM AVERAGE MAXIMUM
$0.28 $0.36 $0.51

Pack of beef

36 BDT 54 BDT 110 BDT
MINIMUM AVERAGE MAXIMUM
$0.33 $0.49 $0.99

Medium bag of rice

15 BDT 20 BDT 28 BDT
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.26

Bag of tomatos

5.4 BDT 7.2 BDT 14 BDT
MINIMUM AVERAGE MAXIMUM
$0.05 $0.07 $0.12

Bag of apples

9.7 BDT 13 BDT 21 BDT
MINIMUM AVERAGE MAXIMUM
$0.09 $0.12 $0.19
Chart showing the prices and cost of commute, travel, and transportation in Khulna


Commute, travel, and transportation costs


20 minutes taxi ride

23 BDT 28 BDT 55 BDT
MINIMUM AVERAGE MAXIMUM
$0.21 $0.25 $0.50

Average car full tank

140 BDT 180 BDT 360 BDT
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $3.3

Average car 1-day rental

140 BDT 190 BDT 280 BDT
MINIMUM AVERAGE MAXIMUM
$1.3 $1.7 $2.6

Average car price

68,000 BDT 140,000 BDT 180,000 BDT
MINIMUM AVERAGE MAXIMUM
$620 $1,200 $1,600

Bus ticket one way

4.7 BDT 7 BDT 14 BDT
MINIMUM AVERAGE MAXIMUM
$0.04 $0.06 $0.13

Car Service

190 BDT 280 BDT 560 BDT
MINIMUM AVERAGE MAXIMUM
$1.7 $2.6 $5.1
Chart showing the prices and cost of utility, energy, water, and gas in Khulna


Utility cost (monthly)


Utility Bill - Individual

160 BDT 1,200 BDT 7,900 BDT
MINIMUM AVERAGE MAXIMUM
$1.5 $11 $72

Internet and cable

140 BDT 270 BDT 360 BDT
MINIMUM AVERAGE MAXIMUM
$1.2 $2.5 $3.3

Mobile phone charges

110 BDT 180 BDT 540 BDT
MINIMUM AVERAGE MAXIMUM
$0.99 $1.6 $4.9

Leisure and activities costs


Movie ticket

68 BDT 90 BDT 140 BDT
MINIMUM AVERAGE MAXIMUM
$0.62 $0.82 $1.2

One month gym membership

220 BDT 280 BDT 560 BDT
MINIMUM AVERAGE MAXIMUM
$2 $2.6 $5.1
Chart showing the prices and cost of clothing and accessories in Khulna


Cloths and accessories costs


Pair of jeans or pants

170 BDT 230 BDT 350 BDT
MINIMUM AVERAGE MAXIMUM
$1.5 $2.1 $3.2

Woman dress

160 BDT 220 BDT 700 BDT
MINIMUM AVERAGE MAXIMUM
$1.4 $2 $6.4

Woman shoes

150 BDT 200 BDT 470 BDT
MINIMUM AVERAGE MAXIMUM
$1.3 $1.8 $4.3

Men's shoes

130 BDT 160 BDT 310 BDT
MINIMUM AVERAGE MAXIMUM
$1.2 $1.4 $2.8

Men suit

140 BDT 180 BDT 940 BDT
MINIMUM AVERAGE MAXIMUM
$1.3 $1.6 $8.5

Regular t-shirt

70 BDT 94 BDT 280 BDT
MINIMUM AVERAGE MAXIMUM
$0.64 $0.85 $2.6
Chart showing the prices and cost of housing, accommodation, and rent in Khulna


Housing costs / monthly rent


Studio apartment

2,300 BDT 3,500 BDT 9,400 BDT
MINIMUM AVERAGE MAXIMUM
$21 $32 $85

1-bedroom apartment

3,500 BDT 5,600 BDT 14,000 BDT
MINIMUM AVERAGE MAXIMUM
$32 $51 $130

2-bedroom apartment

4,700 BDT 7,000 BDT 19,000 BDT
MINIMUM AVERAGE MAXIMUM
$43 $64 $170

Housing costs / Buying


Studio apartment

470,000 BDT 700,000 BDT 1.4M BDT
MINIMUM AVERAGE MAXIMUM
$4,300 $6,400 $13,000

1-bedroom apartment

560,000 BDT 940,000 BDT 3.5M BDT
MINIMUM AVERAGE MAXIMUM
$5,100 $8,500 $32,000

2-bedroom apartment

940,000 BDT 2.8M BDT 5.6M BDT
MINIMUM AVERAGE MAXIMUM
$8,500 $26,000 $51,000
Chart showing the prices and cost of furniture in Khulna


Furniture Costs


King Size Bed

2,700 BDT 3,400 BDT 4,500 BDT
MINIMUM AVERAGE MAXIMUM
$25 $31 $41

Double Bed

1,800 BDT 2,700 BDT 3,400 BDT
MINIMUM AVERAGE MAXIMUM
$16 $25 $31

Single Bed

1,600 BDT 2,100 BDT 2,700 BDT
MINIMUM AVERAGE MAXIMUM
$14 $19 $25

Living Room

3,000 BDT 3,900 BDT 14,000 BDT
MINIMUM AVERAGE MAXIMUM
$27 $35 $120

Dining Table

1,400 BDT 1,800 BDT 3,400 BDT
MINIMUM AVERAGE MAXIMUM
$12 $16 $31

Sofa or Couch

1,800 BDT 2,500 BDT 5,400 BDT
MINIMUM AVERAGE MAXIMUM
$16 $22 $49
Chart showing the prices and cost of electronic devices and appliances in Khulna


Electronics and House Appliance Costs


TV Set

1,800 BDT 2,700 BDT 5,400 BDT
MINIMUM AVERAGE MAXIMUM
$16 $25 $49

Fridge or Freezer

1,600 BDT 2,500 BDT 3,400 BDT
MINIMUM AVERAGE MAXIMUM
$14 $22 $31

Washing Machine

2,100 BDT 3,000 BDT 5,400 BDT
MINIMUM AVERAGE MAXIMUM
$19 $27 $49

Stove or Cooker

1,900 BDT 2,500 BDT 3,400 BDT
MINIMUM AVERAGE MAXIMUM
$18 $22 $31

Mobile Phone

2,300 BDT 2,700 BDT 3,900 BDT
MINIMUM AVERAGE MAXIMUM
$21 $25 $35

Laptop or Computer

2,500 BDT 3,000 BDT 5,400 BDT
MINIMUM AVERAGE MAXIMUM
$22 $27 $49
Single person or Individual cost of living and expenditure to income ratio in Khulna

Single person expenditure to income ratio in Khulna

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

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

84%

78% to 93%

( expenditure / income ) x 100


Individuals in Khulna spend around 84% of their monthly income. Some individuals spend as low as 78% of their income while some as high as 93%.

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

How do individuals spend their money in Khulna?

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 Cost29%

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

LOW$9   990 BDT
AVERAGE$64   7,100 BDT
HIGH$430   47,000 BDT
Per Month

Individuals in Khulna typically spend from 17% to 41% of their total monthly expenditure on housing with 29% being the average. The average monthly spend on housing is 7,100 BDT with expenditure ranging from 990 BDT to 47,000 BDT. 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$1.5   160 BDT
AVERAGE$11   1,200 BDT
HIGH$72   7,900 BDT
Per Month

Utility expenditure like electricity, water, and gas in Khulna ranges from 5% to 14% of total expenses with 9% being the average for most individuals. The average monthly cost of utilities is 1,200 BDT with 160 BDT and 7,900 BDT being the upper and lower limits for a single person.

Transport, fuel, and commute expenditure for individuals

Cost of transport and fuel5%

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

LOW$2   220 BDT
AVERAGE$14   1,600 BDT
HIGH$95   10,000 BDT
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 220 BDT to 10,000 BDT in a month on commuting with 1,600 BDT being the norm for most individuals. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 3% or as high as 11%.

Food, groceries, and basic shopping expenditure for individuals

Food and Groceries Cost19%

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

LOW$4   440 BDT
AVERAGE$29   3,100 BDT
HIGH$190   21,000 BDT
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Khulna is 3,100 BDT. The cost of groceries can range between 440 BDT to 21,000 BDT. Individuals spend on average about 19% on food and groceries with upper and lower bounds of 13% and 24% respectively.

Healthcare and medical services expenditure for individuals

Cost of healthcare12%

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

LOW$2.3   250 BDT
AVERAGE$16   1,800 BDT
HIGH$110   12,000 BDT
Per Month

Individuals in Khulna allocate 6% to 16% 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 12%. The range of medical expenses range from 250 BDT to 12,000 BDT with 1,800 BDT being the norm for most individuals.

Leisure and shopping expenditure for individuals

Cost of leisure and shopping2%

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

LOW$1.3   140 BDT
AVERAGE$9   980 BDT
HIGH$60   6,500 BDT
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 140 BDT to 6,500 BDT with 980 BDT being the average. Speaking of percentages, that equates to 2% 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$0.50   55 BDT
AVERAGE$3.6   390 BDT
HIGH$24   2,600 BDT
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 390 BDT per month with 55 BDT being the minimum spent amount and 2,600 BDT being the maximum.

Other Expenses22%

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

LOW$4.5   490 BDT
AVERAGE$32   3,500 BDT
HIGH$210   24,000 BDT
Per Month
Percentage of individuals who manage to save money from their income every month in Khulna

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


Percentage of individuals that reported their ability to save money


Saving Money
60%
Not Saving
40%

Almost 60% of surveyed individuals in Khulna said that they can save some money at the end of each month while 40% reported that they have to utilize their whole income to survive.


A single person savings to income ratio in Khulna

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

12% 20% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

620 BDT
$5.7
5,600 BDT
$51
37,000 BDT
$340
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

Saving To Income Ratio% Individuals
0% - 10%33%
10% - 20%26%
20% - 30%16%
30% - 40%12%
40% - 50%9%
> 50%4%

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 12% to 32% of their monthly income to their savings, with 20% being the average for most individuals. The average monthly amount of money that individuals can put aside is 5,600 BDT with 620 BDT and 37,000 BDT being the minimum and maximum respectively.

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

Saving Challenges in Khulna

Reasons that make it difficult for individuals to save money

We wanted to understand what is stopping people from maximizing their savings in Khulna. 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%
Inflation14%
Social Pressure3%
Market Instability2%

Around 5% of the individuals 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% of individuals 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. 14% 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, 2% blamed market instability and price fluctuations.

Where do individuals choose to put their savings in Khulna

Typical saving choices for individuals in Khulna

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%
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 Khulna

Affordable living in Khulna

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Khulna?


Yes
48%
No
52%

Around 48% of surveyed individuals think that living in Khulna is affordable with proper budgeting while 52% 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 Khulna

Low-cost alternatives in Khulna

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 options58%

Few low-cost options42%


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

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

Yes47%

No53%


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

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

Financial Literacy in Bangladesh

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 Leteracy40%


We asked individuals in Khulna whether they acquired any adequate personal financial training in their lives. Approximately 60% 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 40% 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 Bangladesh have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 54% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 46% said that they have everything under control.

Struggles with finance54%

Easily manages finances46%

Financial goals and targets of single people living in Khulna

Financial goals of individuals in Khulna

In an attempt to understand the economic situation in Khulna, 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 Reduction44%
Retirement Savings11%
Education Funding7%
Homeownership18%
Investing6%
Travel or Lifestyle6%
Healthcare Expenses14%
Financial Independence4%

Around 8% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 44% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% 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.

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

Debt, loans, and mortgages in Khulna


Percentage of individuals who are in debt


In Debt
32%
Debt Free
68%

According to the survey, 32% of the individuals in Khulna have some kind of debt, loan, mortgage, or credit card payments while 68% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Khulna

Debt-to-income ratio in Khulna

Debt to income ratio

34%

27% 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 34% of a single person's monthly income in Khulna goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%19%
40% - 50%15%
30% - 40%17%
20% - 30%10%
10% - 20%11%
0% - 10%25%

According to our data, 3% of the debtors in Khulna pay 60%+ of their income as debt settlement while 19% 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 Khulna

Debt% People
Real Estate Mortgage8%
Auto Loan14%
Student Loan4%
Credit Card30%
Personal Loan44%

8% of debtors in Khulna 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 14% of people and personal loans rose at 44%. Lastly, student loans are the main source of debt for 4% of debtors in Khulna.


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 Khulna

Besides measuring the loan-to-income ratio, we asked individuals of Khulna 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 and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Khulna

Housing costs, accommodation, and housing affordability in Khulna

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


Rent Cost in Khulna

Monthly Rent Prices

Studio apartment monthly rent cost

2,300 BDT 3,500 BDT 9,400 BDT
MINIMUM AVERAGE MAXIMUM
$21 $32 $85

1-bedroom apartment monthly rent cost

3,500 BDT 5,600 BDT 14,000 BDT
MINIMUM AVERAGE MAXIMUM
$32 $51 $130

2-bedroom apartment monthly rent cost

4,700 BDT 7,000 BDT 19,000 BDT
MINIMUM AVERAGE MAXIMUM
$43 $64 $170

3-bedroom apartment monthly rent cost

5,600 BDT 9,400 BDT 26,000 BDT
MINIMUM AVERAGE MAXIMUM
$51 $85 $230

Furnished apartment monthly rent cost

11,000 BDT 28,000 BDT 56,000 BDT
MINIMUM AVERAGE MAXIMUM
$100 $260 $510

Townhouse monthly rent cost

9,400 BDT 14,000 BDT 40,000 BDT
MINIMUM AVERAGE MAXIMUM
$85 $130 $370

House monthly rent cost

11,000 BDT 28,000 BDT 56,000 BDT
MINIMUM AVERAGE MAXIMUM
$100 $260 $510

Villa monthly rent cost

14,000 BDT 35,000 BDT 56,000 BDT
MINIMUM AVERAGE MAXIMUM
$130 $320 $510

The monthly rental cost of a studio apartment in Khulna ranges between 2,300 BDT and 9,400 BDT, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 3,500 BDT to 14,000 BDT. Two-bedroom rentals rate ranges between 4,700 BDT and 19,000 BDT per month. The monthly rental for a three-bedroom apartment ranges from 5,600 BDT to 26,000 BDT. The average rent of a townhouse in Khulna is around 14,000 BDT while house rental costs can be as high as 28,000 BDT per month. Finally, if you want to rent a villa, expect to pay anywhere from 14,000 BDT to 56,000 BDT per month.



Apartment and house prices in Khulna

Cost of buying a property

Studio apartment price

470,000 BDT 700,000 BDT 1.4M BDT
MINIMUM AVERAGE MAXIMUM
$4,300 $6,400 $13,000

1-bedroom apartment price

560,000 BDT 940,000 BDT 3.5M BDT
MINIMUM AVERAGE MAXIMUM
$5,100 $8,500 $32,000

2-bedroom apartment price

940,000 BDT 2.8M BDT 5.6M BDT
MINIMUM AVERAGE MAXIMUM
$8,500 $26,000 $51,000

3-bedroom apartment price

3.1M BDT 4.7M BDT 14M BDT
MINIMUM AVERAGE MAXIMUM
$28,000 $43,000 $130,000

Townhouse price

4M BDT 9.4M BDT 35M BDT
MINIMUM AVERAGE MAXIMUM
$37,000 $85,000 $320,000

House price

4.7M BDT 28M BDT 40M BDT
MINIMUM AVERAGE MAXIMUM
$43,000 $260,000 $370,000

Villa price

5.6M BDT 31M BDT 47M BDT
MINIMUM AVERAGE MAXIMUM
$51,000 $280,000 $430,000

The average price of a studio apartment in Khulna can range from 470,000 BDT to 1.4M BDT depending on location. One bedroom cost can be anywhere from 560,000 BDT to 3.5M BDT. A villa can cost you 31M BDT on average with prices ranging from 5.6M BDT to 47M BDT.


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


31 x86 monthly income 202
MINIMUM AVERAGE MAXIMUM

Property prices in Khulna can be x86 to x202 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x86 multiples of the average monthly salary in Khulna.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


19% 30% of income 41%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Khulna is around 30%. This means that people pay 30% of their income for rent. Those figures can range from 19% to 41% 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
27%

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
1.9%
AVERAGE
2.9%
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.


44 BDT 570 BDT 5,700 BDT
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 Khulna

Utilities expenditure can vary slightly between different areas and locations.


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

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

160 BDT 1,200 BDT 7,900 BDT
MINIMUM AVERAGE MAXIMUM
$1.5 $11 $72

Internet and cable cost

140 BDT 270 BDT 360 BDT
MINIMUM AVERAGE MAXIMUM
$1.2 $2.5 $3.3

Mobile phone bill and charges

110 BDT 180 BDT 540 BDT
MINIMUM AVERAGE MAXIMUM
$0.99 $1.6 $4.9

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 1,200 BDT. The cost of internet and WiFi ranges from 140 BDT to 360 BDT with 270 BDT being the average internet bill. Finally, the average monthly mobile charges is around 180 BDT but can range between 110 BDT and 540 BDT 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


4.3% 7.5% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Khulna is around 7.5%. This means that people pay 7.5% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.3% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Khulna

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


Prices and cost of goods and services in Khulna

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

Fast food combo meal price

27 BDT 54 BDT 90 BDT
MINIMUM AVERAGE MAXIMUM
$0.25 $0.49 $0.82

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Khulna is approximatly 54 BDT with meal cost ranging from 27 BDT to 90 BDT. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

92 BDT 140 BDT 280 BDT
MINIMUM AVERAGE MAXIMUM
$0.84 $1.3 $2.5

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 92 BDT and 280 BDT with 140 BDT being the average price of a plate for one person at a regular restaurant in Khulna.

Fine dining meal for one price

180 BDT 280 BDT 1,100 BDT
MINIMUM AVERAGE MAXIMUM
$1.7 $2.5 $10

The price range of a meal at fine-dining restaurant is 180 BDT to 1,100 BDT with the average cost being 280 BDT for one person. This is what you would expect to pay a top-tier diner in Khulna.

Beverage prices, cappuccino, latte etc..

23 BDT 36 BDT 54 BDT
MINIMUM AVERAGE MAXIMUM
$0.21 $0.33 $0.49

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Khulna is around 36 BDT. Price ranges between 23 BDT and 54 BDT depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

18 BDT 22 BDT 27 BDT
MINIMUM AVERAGE MAXIMUM
$0.16 $0.20 $0.25

The average price of a large bottle of milk in Khulna is 22 BDT. The maximum what you would pay for milk is 27 BDT and the minimum being 18 BDT depending on the brand of milk and other properties.

12 eggs price

14 BDT 18 BDT 27 BDT
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.25

A dozen eggs costs around 18 BDT on average with 14 BDT and 27 BDT being the lower and upper limits respectively.

Fresh whole chicken price

31 BDT 40 BDT 56 BDT
MINIMUM AVERAGE MAXIMUM
$0.28 $0.36 $0.51

The price range of a fresh whole chicken in Khulna is between 31 BDT and 56 BDT depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 40 BDT.

Pack of beef price

36 BDT 54 BDT 110 BDT
MINIMUM AVERAGE MAXIMUM
$0.33 $0.49 $0.99

The price of a regular pack of beef or meat is around 54 BDT. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

15 BDT 20 BDT 28 BDT
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.26

A bag of rice in Khulna costs around 20 BDT on average with prices rangeing between 15 BDT and 28 BDT depending on the brand and quality.

Bag of tomatos price

5.4 BDT 7.2 BDT 14 BDT
MINIMUM AVERAGE MAXIMUM
$0.05 $0.07 $0.12

A bag of tomatoes costs anywhere from 5.4 BDT to 14 BDT. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

9.7 BDT 13 BDT 21 BDT
MINIMUM AVERAGE MAXIMUM
$0.09 $0.12 $0.19

A bag of apples costs 13 BDT 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


20% 29% of income 36%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Khulna is around 29%. This means that individuals spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 36% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 440 BDT to 21,000 BDT with the location, income being the most determinite factors.

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