Cost Of Living For a Single Person in Saint Lucia 2025

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

Average Monthly Expenditure

Currency: XCD
270 1,900 13,000
MINIMUM AVERAGE MAXIMUM
$99 $700 $4,700

Average monthly spending for a single person or individual in Saint Lucia

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

A single person in Saint Lucia spends around 1,900 XCD per month on average. Depending on the lifestyle, a single individual can survive with a monthly budget as low as 270 XCD or as high as 13,000 XCD. Location and income are very important factors and have a huge influence on expenditure and budget.


Prices and cost of goods and services in Saint Lucia


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

Dining, food, and beverages costs


Fast food combo meal

2.8 XCD 5.7 XCD 9.4 XCD
MINIMUM AVERAGE MAXIMUM
$1 $2.1 $3.5

Restaurant meal for one

9.4 XCD 14 XCD 28 XCD
MINIMUM AVERAGE MAXIMUM
$3.5 $5.2 $10

Fine dining meal for one

19 XCD 28 XCD 110 XCD
MINIMUM AVERAGE MAXIMUM
$7 $10 $42

Cappuccino or latte

2.4 XCD 3.8 XCD 5.7 XCD
MINIMUM AVERAGE MAXIMUM
$0.87 $1.4 $2.1

Grocery and market costs


Milk large bottle

1.9 XCD 2.3 XCD 2.8 XCD
MINIMUM AVERAGE MAXIMUM
$0.70 $0.84 $1

12 eggs

1.4 XCD 1.9 XCD 2.8 XCD
MINIMUM AVERAGE MAXIMUM
$0.52 $0.70 $1

Fresh whole chicken

3.2 XCD 4.2 XCD 5.9 XCD
MINIMUM AVERAGE MAXIMUM
$1.2 $1.5 $2.2

Pack of beef

3.8 XCD 5.7 XCD 11 XCD
MINIMUM AVERAGE MAXIMUM
$1.4 $2.1 $4.2

Medium bag of rice

1.5 XCD 2.1 XCD 3 XCD
MINIMUM AVERAGE MAXIMUM
$0.56 $0.77 $1.1

Bag of tomatos

0.57 XCD 0.76 XCD 1.4 XCD
MINIMUM AVERAGE MAXIMUM
$0.21 $0.28 $0.52

Bag of apples

1 XCD 1.3 XCD 2.2 XCD
MINIMUM AVERAGE MAXIMUM
$0.37 $0.49 $0.81
Chart showing the prices and cost of commute, travel, and transportation in Saint Lucia


Commute, travel, and transportation costs


20 minutes taxi ride

2.4 XCD 2.8 XCD 5.7 XCD
MINIMUM AVERAGE MAXIMUM
$0.87 $1 $2.1

Average car full tank

14 XCD 19 XCD 38 XCD
MINIMUM AVERAGE MAXIMUM
$5.2 $7 $14

Average car 1-day rental

14 XCD 19 XCD 28 XCD
MINIMUM AVERAGE MAXIMUM
$5.2 $7 $10

Average car price

7,100 XCD 14,000 XCD 19,000 XCD
MINIMUM AVERAGE MAXIMUM
$2,600 $5,200 $7,000

Bus ticket one way

0.47 XCD 0.71 XCD 1.4 XCD
MINIMUM AVERAGE MAXIMUM
$0.17 $0.26 $0.52

Car Service

19 XCD 28 XCD 57 XCD
MINIMUM AVERAGE MAXIMUM
$7 $10 $21
Chart showing the prices and cost of utility, energy, water, and gas in Saint Lucia


Utility cost (monthly)


Utility Bill - Individual

16 XCD 110 XCD 760 XCD
MINIMUM AVERAGE MAXIMUM
$6 $42 $280

Internet and cable

14 XCD 28 XCD 38 XCD
MINIMUM AVERAGE MAXIMUM
$5.2 $10 $14

Mobile phone charges

11 XCD 19 XCD 57 XCD
MINIMUM AVERAGE MAXIMUM
$4.2 $7 $21

Leisure and activities costs


Movie ticket

7.1 XCD 9.4 XCD 14 XCD
MINIMUM AVERAGE MAXIMUM
$2.6 $3.5 $5.2

One month gym membership

23 XCD 28 XCD 57 XCD
MINIMUM AVERAGE MAXIMUM
$8.4 $10 $21
Chart showing the prices and cost of clothing and accessories in Saint Lucia


Cloths and accessories costs


Pair of jeans or pants

17 XCD 24 XCD 35 XCD
MINIMUM AVERAGE MAXIMUM
$6.2 $8.7 $13

Woman dress

16 XCD 22 XCD 71 XCD
MINIMUM AVERAGE MAXIMUM
$5.8 $8.1 $26

Woman shoes

15 XCD 20 XCD 47 XCD
MINIMUM AVERAGE MAXIMUM
$5.5 $7.5 $17

Men's shoes

13 XCD 16 XCD 31 XCD
MINIMUM AVERAGE MAXIMUM
$4.8 $5.8 $12

Men suit

14 XCD 18 XCD 94 XCD
MINIMUM AVERAGE MAXIMUM
$5.2 $6.6 $35

Regular t-shirt

7.1 XCD 9.4 XCD 28 XCD
MINIMUM AVERAGE MAXIMUM
$2.6 $3.5 $10
Chart showing the prices and cost of housing, accommodation, and rent in Saint Lucia


Housing costs / monthly rent


Studio apartment

240 XCD 350 XCD 940 XCD
MINIMUM AVERAGE MAXIMUM
$87 $130 $350

1-bedroom apartment

350 XCD 570 XCD 1,400 XCD
MINIMUM AVERAGE MAXIMUM
$130 $210 $520

2-bedroom apartment

470 XCD 710 XCD 1,900 XCD
MINIMUM AVERAGE MAXIMUM
$170 $260 $700

Housing costs / Buying


Studio apartment

47,000 XCD 71,000 XCD 140,000 XCD
MINIMUM AVERAGE MAXIMUM
$17,000 $26,000 $52,000

1-bedroom apartment

57,000 XCD 94,000 XCD 350,000 XCD
MINIMUM AVERAGE MAXIMUM
$21,000 $35,000 $130,000

2-bedroom apartment

94,000 XCD 280,000 XCD 570,000 XCD
MINIMUM AVERAGE MAXIMUM
$35,000 $100,000 $210,000
Chart showing the prices and cost of furniture in Saint Lucia


Furniture Costs


King Size Bed

280 XCD 350 XCD 470 XCD
MINIMUM AVERAGE MAXIMUM
$100 $130 $170

Double Bed

190 XCD 280 XCD 350 XCD
MINIMUM AVERAGE MAXIMUM
$70 $100 $130

Single Bed

170 XCD 220 XCD 280 XCD
MINIMUM AVERAGE MAXIMUM
$62 $81 $100

Living Room

310 XCD 400 XCD 1,400 XCD
MINIMUM AVERAGE MAXIMUM
$120 $150 $520

Dining Table

140 XCD 190 XCD 350 XCD
MINIMUM AVERAGE MAXIMUM
$52 $70 $130

Sofa or Couch

190 XCD 260 XCD 570 XCD
MINIMUM AVERAGE MAXIMUM
$70 $95 $210
Chart showing the prices and cost of electronic devices and appliances in Saint Lucia


Electronics and House Appliance Costs


TV Set

190 XCD 280 XCD 570 XCD
MINIMUM AVERAGE MAXIMUM
$70 $100 $210

Fridge or Freezer

170 XCD 260 XCD 350 XCD
MINIMUM AVERAGE MAXIMUM
$62 $95 $130

Washing Machine

220 XCD 310 XCD 570 XCD
MINIMUM AVERAGE MAXIMUM
$81 $120 $210

Stove or Cooker

200 XCD 260 XCD 350 XCD
MINIMUM AVERAGE MAXIMUM
$75 $95 $130

Mobile Phone

240 XCD 280 XCD 400 XCD
MINIMUM AVERAGE MAXIMUM
$87 $100 $150

Laptop or Computer

260 XCD 310 XCD 570 XCD
MINIMUM AVERAGE MAXIMUM
$95 $120 $210
Single person or Individual cost of living and expenditure to income ratio in Saint Lucia

Single person expenditure to income ratio in Saint Lucia

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

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

77%

70% to 85%

( expenditure / income ) x 100


Individuals in Saint Lucia spend around 77% of their monthly income. Some individuals spend as low as 70% of their income while some as high as 85%.

Distribution of monthly cost of living expenses of a single person in Saint Lucia

How do individuals spend their money in Saint Lucia?

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 Cost31%

31% of total expenses on average (19% to 43%)

LOW$36   97 XCD
AVERAGE$250   690 XCD
HIGH$1,700   4,600 XCD
Per Month

Individuals in Saint Lucia typically spend from 19% to 43% of their total monthly expenditure on housing with 31% being the average. The average monthly spend on housing is 690 XCD with expenditure ranging from 97 XCD to 4,600 XCD. 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$6   16 XCD
AVERAGE$42   110 XCD
HIGH$280   760 XCD
Per Month

Utility expenditure like electricity, water, and gas in Saint Lucia ranges from 4% to 13% of total expenses with 8% being the average for most individuals. The average monthly cost of utilities is 110 XCD with 16 XCD and 760 XCD 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$7.9   21 XCD
AVERAGE$56   150 XCD
HIGH$380   1,000 XCD
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 21 XCD to 1,000 XCD in a month on commuting with 150 XCD 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$16   43 XCD
AVERAGE$110   300 XCD
HIGH$750   2,000 XCD
Per Month

The average outlay on groceries and basic houshold items for a typical person in a month in Saint Lucia is 300 XCD. The cost of groceries can range between 43 XCD to 2,000 XCD. 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$8.9   24 XCD
AVERAGE$63   170 XCD
HIGH$420   1,100 XCD
Per Month

Individuals in Saint Lucia 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 24 XCD to 1,100 XCD with 170 XCD 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$5   13 XCD
AVERAGE$35   95 XCD
HIGH$230   630 XCD
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 13 XCD to 630 XCD with 95 XCD 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$2   5.4 XCD
AVERAGE$14   38 XCD
HIGH$94   250 XCD
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 38 XCD per month with 5.4 XCD being the minimum spent amount and 250 XCD being the maximum.

Other Expenses21%

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

LOW$18   48 XCD
AVERAGE$130   340 XCD
HIGH$850   2,300 XCD
Per Month
Percentage of individuals who manage to save money from their income every month in Saint Lucia

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


Percentage of individuals that reported their ability to save money


Saving Money
64%
Not Saving
36%

Almost 64% of surveyed individuals in Saint Lucia 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 Saint Lucia

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 31%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

72 XCD
$26
640 XCD
$240
4,300 XCD
$1,600
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for individuals

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

Interpretation and Analysis

Individuals that are able to save money can put anywhere from 12% to 31% 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 640 XCD with 72 XCD and 4,300 XCD being the minimum and maximum respectively.

Reasons that make it difficult for individuals to save money in Saint Lucia

Saving Challenges in Saint Lucia

Reasons that make it difficult for individuals to save money

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


Reason% People
Low Income5%
High Expenses8%
Debt and Loans15%
Lack of Budgeting Skills11%
Impulsive Spending11%
Financial Emergencies7%
Living the moment6%
Will do it later19%
Inflation12%
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. 15% 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. 19% 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. 12% 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 Saint Lucia

Typical saving choices for individuals in Saint Lucia

Where do people choose to put their savings?


Saving Type% People
Emergency Funds12%
Gold12%
Savings Accounts17%
Retirement Accounts10%
Cash Savings19%
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 Saint Lucia

Affordable living in Saint Lucia

Income and cost of living compatibility

We asked individuals one simple question and recorded their answers.

Is it affordable or economical to live in Saint Lucia?


Yes
59%
No
41%

Around 59% of surveyed individuals think that living in Saint Lucia is affordable with proper budgeting while 41% 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 Saint Lucia

Low-cost alternatives in Saint Lucia

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 options56%

Few low-cost options44%


Based on the survey, 56% of the individuals living in Saint Lucia have no problem finding low-cost alternatives to support a frugal lifestyle while 44% 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 Saint Lucia whether they have an emergency fund and the answers were as follows.

Yes56%

No44%


Based on the survey, 44% of the individuals living in Saint Lucia said that they don't have an emergency fund while 56% said that they do.

Financial literacy and difficulty in budgeting and financial planning for individuals in Saint Lucia

Financial Literacy in Saint Lucia

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 Leteracy54%


We asked individuals in Saint Lucia whether they acquired any adequate personal financial training in their lives. Approximately 46% 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 54% 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 Saint Lucia have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 45% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 55% said that they have everything under control.

Struggles with finance45%

Easily manages finances55%

Financial goals and targets of single people living in Saint Lucia

Financial goals of individuals in Saint Lucia

In an attempt to understand the economic situation in Saint Lucia, 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 Reduction38%
Retirement Savings9%
Education Funding7%
Homeownership18%
Investing7%
Travel or Lifestyle8%
Healthcare Expenses12%
Financial Independence6%

Around 8% of individuals said that their main goal is to establish an emergency fund to cover unexpected expenses while 38% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% 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 8% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 12% 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 Saint Lucia

Debt, loans, and mortgages in Saint Lucia


Percentage of individuals who are in debt


In Debt
30%
Debt Free
70%

According to the survey, 30% of the individuals in Saint Lucia 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 Saint Lucia

Debt-to-income ratio in Saint Lucia

Debt to income ratio

30%

22% to 39%

( 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 30% of a single person's monthly income in Saint Lucia goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%15%
40% - 50%13%
30% - 40%15%
20% - 30%12%
10% - 20%15%
0% - 10%26%

According to our data, 3% of the debtors in Saint Lucia pay 60%+ of their income as debt settlement while 15% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 13% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 15% dedicated 30% to 40% of income for same. Things are looking brighter for 12% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Saint Lucia

Debt% People
Real Estate Mortgage10%
Auto Loan18%
Student Loan4%
Credit Card28%
Personal Loan40%

10% of debtors in Saint Lucia confirm that real estate mortgages constitutes the main part of their outstanding debt while 28% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 18% of people and personal loans rose at 40%. Lastly, student loans are the main source of debt for 4% of debtors in Saint Lucia.


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 Saint Lucia

Besides measuring the loan-to-income ratio, we asked individuals of Saint Lucia 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
Never52%
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 Saint Lucia

Housing costs, accommodation, and housing affordability in Saint Lucia

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


Rent Cost in Saint Lucia

Monthly Rent Prices

Studio apartment monthly rent cost

240 XCD 350 XCD 940 XCD
MINIMUM AVERAGE MAXIMUM
$87 $130 $350

1-bedroom apartment monthly rent cost

350 XCD 570 XCD 1,400 XCD
MINIMUM AVERAGE MAXIMUM
$130 $210 $520

2-bedroom apartment monthly rent cost

470 XCD 710 XCD 1,900 XCD
MINIMUM AVERAGE MAXIMUM
$170 $260 $700

3-bedroom apartment monthly rent cost

570 XCD 940 XCD 2,600 XCD
MINIMUM AVERAGE MAXIMUM
$210 $350 $950

Furnished apartment monthly rent cost

1,100 XCD 2,800 XCD 5,700 XCD
MINIMUM AVERAGE MAXIMUM
$420 $1,000 $2,100

Townhouse monthly rent cost

940 XCD 1,400 XCD 4,000 XCD
MINIMUM AVERAGE MAXIMUM
$350 $520 $1,500

House monthly rent cost

1,100 XCD 2,800 XCD 5,700 XCD
MINIMUM AVERAGE MAXIMUM
$420 $1,000 $2,100

Villa monthly rent cost

1,400 XCD 3,500 XCD 5,700 XCD
MINIMUM AVERAGE MAXIMUM
$520 $1,300 $2,100

The monthly rental cost of a studio apartment in Saint Lucia ranges between 240 XCD and 940 XCD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 350 XCD to 1,400 XCD. Two-bedroom rentals rate ranges between 470 XCD and 1,900 XCD per month. The monthly rental for a three-bedroom apartment ranges from 570 XCD to 2,600 XCD. The average rent of a townhouse in Saint Lucia is around 1,400 XCD while house rental costs can be as high as 2,800 XCD per month. Finally, if you want to rent a villa, expect to pay anywhere from 1,400 XCD to 5,700 XCD per month.



Apartment and house prices in Saint Lucia

Cost of buying a property

Studio apartment price

47,000 XCD 71,000 XCD 140,000 XCD
MINIMUM AVERAGE MAXIMUM
$17,000 $26,000 $52,000

1-bedroom apartment price

57,000 XCD 94,000 XCD 350,000 XCD
MINIMUM AVERAGE MAXIMUM
$21,000 $35,000 $130,000

2-bedroom apartment price

94,000 XCD 280,000 XCD 570,000 XCD
MINIMUM AVERAGE MAXIMUM
$35,000 $100,000 $210,000

3-bedroom apartment price

310,000 XCD 470,000 XCD 1.4M XCD
MINIMUM AVERAGE MAXIMUM
$120,000 $170,000 $520,000

Townhouse price

400,000 XCD 940,000 XCD 3.5M XCD
MINIMUM AVERAGE MAXIMUM
$150,000 $350,000 $1.3M

House price

470,000 XCD 2.8M XCD 4M XCD
MINIMUM AVERAGE MAXIMUM
$170,000 $1M $1.5M

Villa price

570,000 XCD 3.1M XCD 4.7M XCD
MINIMUM AVERAGE MAXIMUM
$210,000 $1.2M $1.7M

The average price of a studio apartment in Saint Lucia can range from 47,000 XCD to 140,000 XCD depending on location. One bedroom cost can be anywhere from 57,000 XCD to 350,000 XCD. A villa can cost you 3.1M XCD on average with prices ranging from 570,000 XCD to 4.7M XCD.


If you're leasing or purchasing, housing costs in Saint Lucia will probably constitute your biggest expenditure, yet it's an area where you wield considerable influence. This is due to the substantial variance in housing prices across communities. Keep in mind the location of your workplace and the accessibility of essential amenities to prevent negating the savings from lower rental rates with increased transportation expenses.

House / apartment prices to income ratio


Property price to income ratio

( average property price / average monthly income ) x 100


35 x99 monthly income 199
MINIMUM AVERAGE MAXIMUM

Property prices in Saint Lucia can be x99 to x199 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x99 multiples of the average monthly salary in Saint Lucia.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


20% 30% of income 40%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Saint Lucia is around 30%. This means that people pay 30% of their income for rent. Those figures can range from 20% to 40% 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
2%
AVERAGE
3%
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.


4.2 XCD 55 XCD 550 XCD
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 Saint Lucia

Utilities expenditure can vary slightly between different areas and locations.


Energy, electricity, water, gas, internet, and mobile cost in Saint Lucia

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

16 XCD 110 XCD 760 XCD
MINIMUM AVERAGE MAXIMUM
$6 $42 $280

Internet and cable cost

14 XCD 28 XCD 38 XCD
MINIMUM AVERAGE MAXIMUM
$5.2 $10 $14

Mobile phone bill and charges

11 XCD 19 XCD 57 XCD
MINIMUM AVERAGE MAXIMUM
$4.2 $7 $21

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 110 XCD. The cost of internet and WiFi ranges from 14 XCD to 38 XCD with 28 XCD being the average internet bill. Finally, the average monthly mobile charges is around 19 XCD but can range between 11 XCD and 57 XCD 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


3% 6% of income 10%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Saint Lucia is around 6%. This means that people pay 6% of their income for energy, water, internet, and mobile charges. Those figures can range from 3% to 10% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Saint Lucia

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


Prices and cost of goods and services in Saint Lucia

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

Fast food combo meal price

2.8 XCD 5.7 XCD 9.4 XCD
MINIMUM AVERAGE MAXIMUM
$1 $2.1 $3.5

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Saint Lucia is approximatly 5.7 XCD with meal cost ranging from 2.8 XCD to 9.4 XCD. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

9.4 XCD 14 XCD 28 XCD
MINIMUM AVERAGE MAXIMUM
$3.5 $5.2 $10

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 9.4 XCD and 28 XCD with 14 XCD being the average price of a plate for one person at a regular restaurant in Saint Lucia.

Fine dining meal for one price

19 XCD 28 XCD 110 XCD
MINIMUM AVERAGE MAXIMUM
$7 $10 $42

The price range of a meal at fine-dining restaurant is 19 XCD to 110 XCD with the average cost being 28 XCD for one person. This is what you would expect to pay a top-tier diner in Saint Lucia.

Beverage prices, cappuccino, latte etc..

2.4 XCD 3.8 XCD 5.7 XCD
MINIMUM AVERAGE MAXIMUM
$0.87 $1.4 $2.1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Saint Lucia is around 3.8 XCD. Price ranges between 2.4 XCD and 5.7 XCD depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

1.9 XCD 2.3 XCD 2.8 XCD
MINIMUM AVERAGE MAXIMUM
$0.70 $0.84 $1

The average price of a large bottle of milk in Saint Lucia is 2.3 XCD. The maximum what you would pay for milk is 2.8 XCD and the minimum being 1.9 XCD depending on the brand of milk and other properties.

12 eggs price

1.4 XCD 1.9 XCD 2.8 XCD
MINIMUM AVERAGE MAXIMUM
$0.52 $0.70 $1

A dozen eggs costs around 1.9 XCD on average with 1.4 XCD and 2.8 XCD being the lower and upper limits respectively.

Fresh whole chicken price

3.2 XCD 4.2 XCD 5.9 XCD
MINIMUM AVERAGE MAXIMUM
$1.2 $1.5 $2.2

The price range of a fresh whole chicken in Saint Lucia is between 3.2 XCD and 5.9 XCD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 4.2 XCD.

Pack of beef price

3.8 XCD 5.7 XCD 11 XCD
MINIMUM AVERAGE MAXIMUM
$1.4 $2.1 $4.2

The price of a regular pack of beef or meat is around 5.7 XCD. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

1.5 XCD 2.1 XCD 3 XCD
MINIMUM AVERAGE MAXIMUM
$0.56 $0.77 $1.1

A bag of rice in Saint Lucia costs around 2.1 XCD on average with prices rangeing between 1.5 XCD and 3 XCD depending on the brand and quality.

Bag of tomatos price

0.57 XCD 0.76 XCD 1.4 XCD
MINIMUM AVERAGE MAXIMUM
$0.21 $0.28 $0.52

A bag of tomatoes costs anywhere from 0.57 XCD to 1.4 XCD. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1 XCD 1.3 XCD 2.2 XCD
MINIMUM AVERAGE MAXIMUM
$0.37 $0.49 $0.81

A bag of apples costs 1.3 XCD 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


19% 27% of income 33%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Saint Lucia is around 27%. This means that individuals spend 27% of their income on grocery and basic household items. The expenditure can range from 19% to 33% depending on salary and location.


Expenditure on food and grocery for individuals

Individuals' spending on grocery ranges from 43 XCD to 2,000 XCD with the location, income being the most determinite factors.

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