Cost Of Living For a Single Person in Matola 2025

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

Average Monthly Expenditure

Currency: MZN
4,300 30,000 200,000
MINIMUM AVERAGE MAXIMUM
$67 $470 $3,200

Average monthly spending for a single person or individual in Matola

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

A single person in Matola spends around 30,000 MZN per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 4,300 MZN or as high as 200,000 MZN. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Matola


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

Dining, food, and beverages costs


Fast food combo meal

42 MZN 84 MZN 140 MZN
MINIMUM AVERAGE MAXIMUM
$0.66 $1.3 $2.2

Restaurant meal for one

140 MZN 220 MZN 430 MZN
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $6.8

Fine dining meal for one

290 MZN 430 MZN 1,700 MZN
MINIMUM AVERAGE MAXIMUM
$4.5 $6.8 $27

Cappuccino or latte

35 MZN 56 MZN 84 MZN
MINIMUM AVERAGE MAXIMUM
$0.55 $0.88 $1.3

Grocery and market costs


Milk large bottle

28 MZN 34 MZN 42 MZN
MINIMUM AVERAGE MAXIMUM
$0.44 $0.53 $0.66

12 eggs

21 MZN 28 MZN 42 MZN
MINIMUM AVERAGE MAXIMUM
$0.33 $0.44 $0.66

Fresh whole chicken

48 MZN 62 MZN 88 MZN
MINIMUM AVERAGE MAXIMUM
$0.75 $0.97 $1.4

Pack of beef

56 MZN 84 MZN 170 MZN
MINIMUM AVERAGE MAXIMUM
$0.88 $1.3 $2.6

Medium bag of rice

23 MZN 31 MZN 44 MZN
MINIMUM AVERAGE MAXIMUM
$0.35 $0.49 $0.69

Bag of tomatos

8.4 MZN 11 MZN 21 MZN
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.33

Bag of apples

15 MZN 20 MZN 32 MZN
MINIMUM AVERAGE MAXIMUM
$0.24 $0.31 $0.51
Chart showing the prices and cost of commute, travel, and transportation in Matola


Commute, travel, and transportation costs


20 minutes taxi ride

36 MZN 43 MZN 86 MZN
MINIMUM AVERAGE MAXIMUM
$0.56 $0.68 $1.4

Average car full tank

210 MZN 280 MZN 560 MZN
MINIMUM AVERAGE MAXIMUM
$3.3 $4.4 $8.8

Average car 1-day rental

220 MZN 290 MZN 440 MZN
MINIMUM AVERAGE MAXIMUM
$3.5 $4.6 $6.9

Average car price

110,000 MZN 210,000 MZN 280,000 MZN
MINIMUM AVERAGE MAXIMUM
$1,700 $3,300 $4,400

Bus ticket one way

7.4 MZN 11 MZN 22 MZN
MINIMUM AVERAGE MAXIMUM
$0.12 $0.17 $0.35

Car Service

290 MZN 440 MZN 880 MZN
MINIMUM AVERAGE MAXIMUM
$4.6 $6.9 $14
Chart showing the prices and cost of utility, energy, water, and gas in Matola


Utility cost (monthly)


Utility Bill - Individual

260 MZN 1,800 MZN 12,000 MZN
MINIMUM AVERAGE MAXIMUM
$4 $28 $190

Internet and cable

210 MZN 420 MZN 560 MZN
MINIMUM AVERAGE MAXIMUM
$3.3 $6.6 $8.8

Mobile phone charges

170 MZN 280 MZN 840 MZN
MINIMUM AVERAGE MAXIMUM
$2.6 $4.4 $13

Leisure and activities costs


Movie ticket

110 MZN 140 MZN 210 MZN
MINIMUM AVERAGE MAXIMUM
$1.7 $2.2 $3.3

One month gym membership

350 MZN 440 MZN 880 MZN
MINIMUM AVERAGE MAXIMUM
$5.5 $6.9 $14
Chart showing the prices and cost of clothing and accessories in Matola


Cloths and accessories costs


Pair of jeans or pants

260 MZN 370 MZN 550 MZN
MINIMUM AVERAGE MAXIMUM
$4.1 $5.8 $8.6

Woman dress

250 MZN 340 MZN 1,100 MZN
MINIMUM AVERAGE MAXIMUM
$3.8 $5.3 $17

Woman shoes

230 MZN 320 MZN 740 MZN
MINIMUM AVERAGE MAXIMUM
$3.6 $4.9 $12

Men's shoes

200 MZN 250 MZN 490 MZN
MINIMUM AVERAGE MAXIMUM
$3.1 $3.8 $7.7

Men suit

220 MZN 280 MZN 1,500 MZN
MINIMUM AVERAGE MAXIMUM
$3.5 $4.3 $23

Regular t-shirt

110 MZN 150 MZN 440 MZN
MINIMUM AVERAGE MAXIMUM
$1.7 $2.3 $6.9
Chart showing the prices and cost of housing, accommodation, and rent in Matola


Housing costs / monthly rent


Studio apartment

3,700 MZN 5,500 MZN 15,000 MZN
MINIMUM AVERAGE MAXIMUM
$58 $86 $230

1-bedroom apartment

5,500 MZN 8,800 MZN 22,000 MZN
MINIMUM AVERAGE MAXIMUM
$86 $140 $350

2-bedroom apartment

7,400 MZN 11,000 MZN 29,000 MZN
MINIMUM AVERAGE MAXIMUM
$120 $170 $460

Housing costs / Buying


Studio apartment

740,000 MZN 1.1M MZN 2.2M MZN
MINIMUM AVERAGE MAXIMUM
$12,000 $17,000 $35,000

1-bedroom apartment

880,000 MZN 1.5M MZN 5.5M MZN
MINIMUM AVERAGE MAXIMUM
$14,000 $23,000 $86,000

2-bedroom apartment

1.5M MZN 4.4M MZN 8.8M MZN
MINIMUM AVERAGE MAXIMUM
$23,000 $69,000 $140,000
Chart showing the prices and cost of furniture in Matola


Furniture Costs


King Size Bed

4,200 MZN 5,300 MZN 7,000 MZN
MINIMUM AVERAGE MAXIMUM
$66 $83 $110

Double Bed

2,800 MZN 4,200 MZN 5,300 MZN
MINIMUM AVERAGE MAXIMUM
$44 $66 $83

Single Bed

2,500 MZN 3,200 MZN 4,200 MZN
MINIMUM AVERAGE MAXIMUM
$39 $51 $66

Living Room

4,700 MZN 6,000 MZN 21,000 MZN
MINIMUM AVERAGE MAXIMUM
$73 $94 $330

Dining Table

2,100 MZN 2,800 MZN 5,300 MZN
MINIMUM AVERAGE MAXIMUM
$33 $44 $83

Sofa or Couch

2,800 MZN 3,800 MZN 8,400 MZN
MINIMUM AVERAGE MAXIMUM
$44 $60 $130
Chart showing the prices and cost of electronic devices and appliances in Matola


Electronics and House Appliance Costs


TV Set

2,800 MZN 4,200 MZN 8,400 MZN
MINIMUM AVERAGE MAXIMUM
$44 $66 $130

Fridge or Freezer

2,500 MZN 3,800 MZN 5,300 MZN
MINIMUM AVERAGE MAXIMUM
$39 $60 $83

Washing Machine

3,200 MZN 4,700 MZN 8,400 MZN
MINIMUM AVERAGE MAXIMUM
$51 $73 $130

Stove or Cooker

3,000 MZN 3,800 MZN 5,300 MZN
MINIMUM AVERAGE MAXIMUM
$47 $60 $83

Mobile Phone

3,500 MZN 4,200 MZN 6,000 MZN
MINIMUM AVERAGE MAXIMUM
$55 $66 $94

Laptop or Computer

3,800 MZN 4,700 MZN 8,400 MZN
MINIMUM AVERAGE MAXIMUM
$60 $73 $130
Single person or Individual cost of living and expenditure to income ratio in Matola

Single person expenditure to income ratio in Matola

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

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

86%

80% to 95%

( expenditure / income ) x 100


Individuals in Matola spend around 86% of their monthly income. Some individuals spend as low as 80% of their income while some as high as 95%.

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

How do individuals spend their money in Matola?

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 Cost30%

30% of total expenses on average (18% to 42%)

LOW$24   1,500 MZN
AVERAGE$170   11,000 MZN
HIGH$1,100   73,000 MZN
Per Month

Individuals in Matola typically spend from 18% to 42% of their total monthly expenditure on housing with 30% being the average. The average monthly spend on housing is 11,000 MZN with expenditure ranging from 1,500 MZN to 73,000 MZN. 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$4   260 MZN
AVERAGE$28   1,800 MZN
HIGH$190   12,000 MZN
Per Month

Utility expenditure like electricity, water, and gas in Matola ranges from 4% to 13% of total expenses with 8% being the average for most individuals. The average monthly cost of utilities is 1,800 MZN with 260 MZN and 12,000 MZN 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$5.3   340 MZN
AVERAGE$38   2,400 MZN
HIGH$250   16,000 MZN
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 340 MZN to 16,000 MZN in a month on commuting with 2,400 MZN 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$11   680 MZN
AVERAGE$76   4,900 MZN
HIGH$510   32,000 MZN
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Matola is 4,900 MZN. The cost of groceries can range between 680 MZN to 32,000 MZN. 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$6   380 MZN
AVERAGE$43   2,700 MZN
HIGH$280   18,000 MZN
Per Month

Individuals in Matola 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 380 MZN to 18,000 MZN with 2,700 MZN being the norm for most individuals.

Leisure and shopping expenditure for individuals

Cost of leisure and shopping3%

3% of total expenses on average (2% to 6%)

LOW$3.3   210 MZN
AVERAGE$24   1,500 MZN
HIGH$160   10,000 MZN
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 210 MZN to 10,000 MZN with 1,500 MZN being the average. Speaking of percentages, that equates to 2% to 6% of total expenses with an average of 3% 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$1.3   85 MZN
AVERAGE$9.5   610 MZN
HIGH$63   4,000 MZN
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 610 MZN per month with 85 MZN being the minimum spent amount and 4,000 MZN being the maximum.

Other Expenses21%

21% of total expenses on average (13% to 25%)

LOW$12   770 MZN
AVERAGE$85   5,500 MZN
HIGH$570   36,000 MZN
Per Month
Percentage of individuals who manage to save money from their income every month in Matola

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


Percentage of individuals that reported their ability to save money


Saving Money
65%
Not Saving
36%

Almost 65% of surveyed individuals in Matola said that they can save some money at the end of each month while 36% reported that they have to utilize their whole income to survive.


A single person savings to income ratio in Matola

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

11% 18% of income 32%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

1,000 MZN
$16
9,400 MZN
$150
63,000 MZN
$980
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

Saving To Income Ratio% Individuals
0% - 10%31%
10% - 20%25%
20% - 30%16%
30% - 40%14%
40% - 50%10%
> 50%4%

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 11% to 32% of their monthly income to their savings, with 18% being the average for most individuals. The average monthly amount of money that individuals can put aside is 9,400 MZN with 1,000 MZN and 63,000 MZN being the minimum and maximum respectively.

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

Saving Challenges in Matola

Reasons that make it difficult for individuals to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans14%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later20%
Inflation13%
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. 14% 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. 11% 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. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 20% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 13% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 2% blamed market instability and price fluctuations.

Where do individuals choose to put their savings in Matola

Typical saving choices for individuals in Matola

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold12%
Savings Accounts17%
Retirement Accounts10%
Cash Savings20%
Real Estate9%
Investment5%
Stocks5%
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 Matola

Affordable living in Matola

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Matola?


Yes
58%
No
42%

Around 58% of surveyed individuals think that living in Matola is affordable with proper budgeting while 42% 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 Matola

Low-cost alternatives in Matola

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 Matola 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.

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

Yes58%

No42%


Based on the survey, 42% of the individuals living in Matola said that they don't have an emergency fund while 58% said that they do.

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

Financial Literacy in Mozambique

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 Leteracy48%


We asked individuals in Matola whether they acquired any adequate personal financial training in their lives. Approximately 52% 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 48% 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 Mozambique have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 43% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 57% said that they have everything under control.

Struggles with finance43%

Easily manages finances57%

Financial goals and targets of single people living in Matola

Financial goals of individuals in Matola

In an attempt to understand the economic situation in Matola, 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 Reduction40%
Retirement Savings10%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle7%
Healthcare Expenses13%
Financial Independence6%

Around 8% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 40% said their number one priority is to pay off high-interest debt or loans and improve credit. 10% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 7% reported that their priority is saving for the tuition fees and education costs of their children while 18% choose to buy a home or pay off existing mortgage before other things. 7% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 7% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 13% 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 Matola

Debt, loans, and mortgages in Matola


Percentage of individuals who are in debt


In Debt
30%
Debt Free
70%

According to the survey, 30% of the individuals in Matola have some kind of debt, loan, mortgage, or credit card payments while 70% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Matola

Debt-to-income ratio in Matola

Debt to income ratio

35%

27% to 45%

( 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 Matola goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%17%
40% - 50%14%
30% - 40%16%
20% - 30%11%
10% - 20%13%
0% - 10%26%

According to our data, 3% of the debtors in Matola pay 60%+ of their income as debt settlement while 17% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 14% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 16% dedicated 30% to 40% of income for same. Things are looking brighter for 11% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Matola

Debt% People
Real Estate Mortgage9%
Auto Loan17%
Student Loan4%
Credit Card29%
Personal Loan42%

9% of debtors in Matola confirm that real estate mortgages constitutes the main part of their outstanding debt while 29% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 17% of people and personal loans rose at 42%. Lastly, student loans are the main source of debt for 4% of debtors in Matola.


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 Matola

Besides measuring the loan-to-income ratio, we asked individuals of Matola 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
Never51%
Once a year23%
Twice a year12%
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 Matola

Housing costs, accommodation, and housing affordability in Matola

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


Rent Cost in Matola

Monthly Rent Prices

Studio apartment monthly rent cost

3,700 MZN 5,500 MZN 15,000 MZN
MINIMUM AVERAGE MAXIMUM
$58 $86 $230

1-bedroom apartment monthly rent cost

5,500 MZN 8,800 MZN 22,000 MZN
MINIMUM AVERAGE MAXIMUM
$86 $140 $350

2-bedroom apartment monthly rent cost

7,400 MZN 11,000 MZN 29,000 MZN
MINIMUM AVERAGE MAXIMUM
$120 $170 $460

3-bedroom apartment monthly rent cost

8,800 MZN 15,000 MZN 40,000 MZN
MINIMUM AVERAGE MAXIMUM
$140 $230 $630

Furnished apartment monthly rent cost

18,000 MZN 44,000 MZN 88,000 MZN
MINIMUM AVERAGE MAXIMUM
$280 $690 $1,400

Townhouse monthly rent cost

15,000 MZN 22,000 MZN 63,000 MZN
MINIMUM AVERAGE MAXIMUM
$230 $350 $990

House monthly rent cost

18,000 MZN 44,000 MZN 88,000 MZN
MINIMUM AVERAGE MAXIMUM
$280 $690 $1,400

Villa monthly rent cost

22,000 MZN 55,000 MZN 88,000 MZN
MINIMUM AVERAGE MAXIMUM
$350 $860 $1,400

The monthly rental cost of a studio apartment in Matola ranges between 3,700 MZN and 15,000 MZN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 5,500 MZN to 22,000 MZN. Two-bedroom rentals rate ranges between 7,400 MZN and 29,000 MZN per month. The monthly rental for a three-bedroom apartment ranges from 8,800 MZN to 40,000 MZN. The average rent of a townhouse in Matola is around 22,000 MZN while house rental costs can be as high as 44,000 MZN per month. Finally, if you want to rent a villa, expect to pay anywhere from 22,000 MZN to 88,000 MZN per month.



Apartment and house prices in Matola

Cost of buying a property

Studio apartment price

740,000 MZN 1.1M MZN 2.2M MZN
MINIMUM AVERAGE MAXIMUM
$12,000 $17,000 $35,000

1-bedroom apartment price

880,000 MZN 1.5M MZN 5.5M MZN
MINIMUM AVERAGE MAXIMUM
$14,000 $23,000 $86,000

2-bedroom apartment price

1.5M MZN 4.4M MZN 8.8M MZN
MINIMUM AVERAGE MAXIMUM
$23,000 $69,000 $140,000

3-bedroom apartment price

4.9M MZN 7.4M MZN 22M MZN
MINIMUM AVERAGE MAXIMUM
$77,000 $120,000 $350,000

Townhouse price

6.3M MZN 15M MZN 55M MZN
MINIMUM AVERAGE MAXIMUM
$99,000 $230,000 $860,000

House price

7.4M MZN 44M MZN 63M MZN
MINIMUM AVERAGE MAXIMUM
$120,000 $690,000 $990,000

Villa price

8.8M MZN 49M MZN 74M MZN
MINIMUM AVERAGE MAXIMUM
$140,000 $770,000 $1.2M

The average price of a studio apartment in Matola can range from 740,000 MZN to 2.2M MZN depending on location. One bedroom cost can be anywhere from 880,000 MZN to 5.5M MZN. A villa can cost you 49M MZN on average with prices ranging from 8.8M MZN to 74M MZN.


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


32 x87 monthly income 206
MINIMUM AVERAGE MAXIMUM

Property prices in Matola can be x87 to x206 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x87 multiples of the average monthly salary in Matola.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


20% 31% of income 42%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Matola is around 31%. This means that people pay 31% of their income for rent. Those figures can range from 20% to 42% 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
28%

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
4%

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.


67 MZN 880 MZN 8,800 MZN
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 Matola

Utilities expenditure can vary slightly between different areas and locations.


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

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

260 MZN 1,800 MZN 12,000 MZN
MINIMUM AVERAGE MAXIMUM
$4 $28 $190

Internet and cable cost

210 MZN 420 MZN 560 MZN
MINIMUM AVERAGE MAXIMUM
$3.3 $6.6 $8.8

Mobile phone bill and charges

170 MZN 280 MZN 840 MZN
MINIMUM AVERAGE MAXIMUM
$2.6 $4.4 $13

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 1,800 MZN. The cost of internet and WiFi ranges from 210 MZN to 560 MZN with 420 MZN being the average internet bill. Finally, the average monthly mobile charges is around 280 MZN but can range between 170 MZN and 840 MZN 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


4.4% 7.7% of income 12%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Matola is around 7.7%. This means that people pay 7.7% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.4% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Matola

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


Prices and cost of goods and services in Matola

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

Fast food combo meal price

42 MZN 84 MZN 140 MZN
MINIMUM AVERAGE MAXIMUM
$0.66 $1.3 $2.2

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Matola is approximatly 84 MZN with meal cost ranging from 42 MZN to 140 MZN. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

140 MZN 220 MZN 430 MZN
MINIMUM AVERAGE MAXIMUM
$2.3 $3.4 $6.8

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 140 MZN and 430 MZN with 220 MZN being the average price of a plate for one person at a regular restaurant in Matola.

Fine dining meal for one price

290 MZN 430 MZN 1,700 MZN
MINIMUM AVERAGE MAXIMUM
$4.5 $6.8 $27

The price range of a meal at fine-dining restaurant is 290 MZN to 1,700 MZN with the average cost being 430 MZN for one person. This is what you would expect to pay a top-tier diner in Matola.

Beverage prices, cappuccino, latte etc..

35 MZN 56 MZN 84 MZN
MINIMUM AVERAGE MAXIMUM
$0.55 $0.88 $1.3

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Matola is around 56 MZN. Price ranges between 35 MZN and 84 MZN depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

28 MZN 34 MZN 42 MZN
MINIMUM AVERAGE MAXIMUM
$0.44 $0.53 $0.66

The average price of a large bottle of milk in Matola is 34 MZN. The maximum what you would pay for milk is 42 MZN and the minimum being 28 MZN depending on the brand of milk and other properties.

12 eggs price

21 MZN 28 MZN 42 MZN
MINIMUM AVERAGE MAXIMUM
$0.33 $0.44 $0.66

A dozen eggs costs around 28 MZN on average with 21 MZN and 42 MZN being the lower and upper limits respectively.

Fresh whole chicken price

48 MZN 62 MZN 88 MZN
MINIMUM AVERAGE MAXIMUM
$0.75 $0.97 $1.4

The price range of a fresh whole chicken in Matola is between 48 MZN and 88 MZN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 62 MZN.

Pack of beef price

56 MZN 84 MZN 170 MZN
MINIMUM AVERAGE MAXIMUM
$0.88 $1.3 $2.6

The price of a regular pack of beef or meat is around 84 MZN. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

23 MZN 31 MZN 44 MZN
MINIMUM AVERAGE MAXIMUM
$0.35 $0.49 $0.69

A bag of rice in Matola costs around 31 MZN on average with prices rangeing between 23 MZN and 44 MZN depending on the brand and quality.

Bag of tomatos price

8.4 MZN 11 MZN 21 MZN
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.33

A bag of tomatoes costs anywhere from 8.4 MZN to 21 MZN. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

15 MZN 20 MZN 32 MZN
MINIMUM AVERAGE MAXIMUM
$0.24 $0.31 $0.51

A bag of apples costs 20 MZN 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


22% 31% of income 37%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Matola is around 31%. This means that individuals spend 31% of their income on grocery and basic household items. The expenditure can range from 22% to 37% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 680 MZN to 32,000 MZN with the location, income being the most determinite factors.

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