Cost Of Living For a Student in Beira 2025
Average Monthly Expenditure
Currency: MZN
Average monthly spending for students in Beira
How much money does a student need in a month to survive in Beira?
Students in Beira spend around 20,000 MZN per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 3,000 MZN or as high as 130,000 MZN. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Beira
Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
| 260 MZN | 400 MZN | 1,600 MZN |
Cappuccino or latte
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
Pack of beef
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
Average car full tank
Average car 1-day rental
Average car price
| 99,000 MZN | 200,000 MZN | 260,000 MZN |
Bus ticket one way
Car Service
Utility cost (monthly)
Utility Bill - Student
| 120 MZN | 800 MZN | 5,300 MZN |
Internet and cable
Mobile phone charges
Leisure and activities costs
Movie ticket
One month gym membership
Cloths and accessories costs
Pair of jeans or pants
Woman dress
Woman shoes
Men's shoes
Men suit
| 200 MZN | 250 MZN | 1,300 MZN |
Regular t-shirt
Housing costs / monthly rent
Studio apartment
| 3,300 MZN | 4,900 MZN | 13,000 MZN |
1-bedroom apartment
| 4,900 MZN | 7,900 MZN | 20,000 MZN |
2-bedroom apartment
| 6,600 MZN | 9,800 MZN | 26,000 MZN |
Housing costs / Buying
Studio apartment
| 660,000 MZN | 980,000 MZN | 2M MZN |
1-bedroom apartment
| 790,000 MZN | 1.3M MZN | 4.9M MZN |
2-bedroom apartment
| 1.3M MZN | 3.9M MZN | 7.9M MZN |
Furniture Costs
King Size Bed
| 4,000 MZN | 5,000 MZN | 6,600 MZN |
Double Bed
| 2,600 MZN | 4,000 MZN | 5,000 MZN |
Single Bed
| 2,300 MZN | 3,100 MZN | 4,000 MZN |
Living Room
| 4,400 MZN | 5,700 MZN | 20,000 MZN |
Dining Table
| 2,000 MZN | 2,600 MZN | 5,000 MZN |
Sofa or Couch
| 2,600 MZN | 3,600 MZN | 7,900 MZN |
Electronics and House Appliance Costs
TV Set
| 2,600 MZN | 4,000 MZN | 7,900 MZN |
Fridge or Freezer
| 2,300 MZN | 3,600 MZN | 5,000 MZN |
Washing Machine
| 3,100 MZN | 4,400 MZN | 7,900 MZN |
Stove or Cooker
| 2,800 MZN | 3,600 MZN | 5,000 MZN |
Mobile Phone
| 3,300 MZN | 4,000 MZN | 5,700 MZN |
Laptop or Computer
| 3,600 MZN | 4,400 MZN | 7,900 MZN |
How do students spend their money in Beira?
We asked thousands of students about their spending habits and expenditure break down.
Housing and accomodation expenditure for students
Accomodation Cost17%
17% of total expenses on average (12% to 23%)
| LOW | $11 720 MZN |
| AVERAGE | $75 4,800 MZN |
| HIGH | $500 32,000 MZN |
| Per Month |
Students in Beira typically spend from 12% to 23% of their total monthly expenditure on housing with 17% being the average. The average monthly spend on housing is 4,800 MZN with expenditure ranging from 720 MZN to 32,000 MZN. This cost mainly goes for rent but it also includes other accommodation-related expenses.
Electricity, utilities, energy, water, internet, and mobile expenditure for students
Cost of utilities7%
7% of total expenses on average (5% to 11%)
| LOW | $1.9 120 MZN |
| AVERAGE | $12 800 MZN |
| HIGH | $83 5,300 MZN |
| Per Month |
Utility expenditure like electricity, water, and gas in Beira ranges from 5% to 11% of total expenses with 7% being the average for most students. The average monthly cost of utilities is 800 MZN with 120 MZN and 5,300 MZN being the upper and lower limits for a student of four.
Transport, fuel, and commute expenditure for students
Cost of transport and fuel3%
3% of total expenses on average (4% to 9%)
| LOW | $3.3 210 MZN |
| AVERAGE | $22 1,400 MZN |
| HIGH | $150 9,300 MZN |
| Per Month |
Fuel consumption and cost of transport depend heavily on whether a student resides near school and work, but roughly speaking a student would expect to spend from 210 MZN to 9,300 MZN in a month on commuting with 1,400 MZN being the norm for most students. This means that money spent on transport constitutes about 3% of total spending on average but can go as low as 4% or as high as 9%.
Food, groceries, and basic shopping expenditure for students
Food and Groceries Cost24%
24% of total expenses on average (18% to 28%)
| LOW | $9.4 600 MZN |
| AVERAGE | $62 4,000 MZN |
| HIGH | $420 27,000 MZN |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Beira is 4,000 MZN. The cost of groceries can range between 600 MZN to 27,000 MZN. Students spend on average about 24% on food and groceries with upper and lower bounds of 18% and 28% respectively.
Healthcare and medical services expenditure for students
Cost of healthcare10%
10% of total expenses on average (7% to 13%)
| LOW | $2.8 180 MZN |
| AVERAGE | $19 1,200 MZN |
| HIGH | $120 8,000 MZN |
| Per Month |
Students in Beira allocate 7% to 13% 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 10%. The range of medical expenses range from 180 MZN to 8,000 MZN with 1,200 MZN being the norm for most students.
Leisure and shopping expenditure for students
Cost of leisure and shopping2%
2% of total expenses on average (2% to 6%)
| LOW | $2.3 150 MZN |
| AVERAGE | $16 1,000 MZN |
| HIGH | $100 6,600 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 150 MZN to 6,600 MZN with 1,000 MZN being the average. Speaking of percentages, that equates to 2% to 6% of total expenses with an average of 2% for most students.
Education and schooling expenditure for students
Cost of education and schooling18%
18% of total expenses on average (11% to 23%)
| LOW | $8.9 570 MZN |
| AVERAGE | $59 3,800 MZN |
| HIGH | $400 25,000 MZN |
| Per Month |
Spending on education can vary drastically between different students. On average, education constitutes 18% of the monthly expenditure of students with 11% and 23% being the lower and upper bounds respectively. The average reported education cost is 3,800 MZN per month with 570 MZN being the minimum spent amount and 25,000 MZN being the maximum.
Other Expenses19%
19% of total expenses on average (13% to 25%)
| LOW | $7 450 MZN |
| AVERAGE | $47 3,000 MZN |
| HIGH | $310 20,000 MZN |
| Per Month |
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.
Affordable living in Beira
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Beira?
Around 52% of surveyed students think that living in Beira is affordable with proper budgeting while 48% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Beira
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 students 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 students living in Beira 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 Students
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 students of Beira whether they have an emergency fund and the answers were as follows.
Yes52%
No48%
Based on the survey, 48% of the students living in Beira said that they don't have an emergency fund while 52% said that they do.
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 student guardians and parents in Beira 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 students 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%
Housing costs, accommodation, and housing affordability in Beira
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Beira
Monthly Rent Prices
Studio apartment monthly rent cost
| 3,300 MZN | 4,900 MZN | 13,000 MZN |
1-bedroom apartment monthly rent cost
| 4,900 MZN | 7,900 MZN | 20,000 MZN |
2-bedroom apartment monthly rent cost
| 6,600 MZN | 9,800 MZN | 26,000 MZN |
3-bedroom apartment monthly rent cost
| 7,900 MZN | 13,000 MZN | 36,000 MZN |
Furnished apartment monthly rent cost
| 16,000 MZN | 39,000 MZN | 79,000 MZN |
Townhouse monthly rent cost
| 13,000 MZN | 20,000 MZN | 56,000 MZN |
House monthly rent cost
| 16,000 MZN | 39,000 MZN | 79,000 MZN |
Villa monthly rent cost
| 20,000 MZN | 49,000 MZN | 79,000 MZN |
The monthly rental cost of a studio apartment in Beira ranges between 3,300 MZN and 13,000 MZN, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 4,900 MZN to 20,000 MZN. Two-bedroom rentals rate ranges between 6,600 MZN and 26,000 MZN per month. The monthly rental for a three-bedroom apartment ranges from 7,900 MZN to 36,000 MZN. The average rent of a townhouse in Beira is around 20,000 MZN while house rental costs can be as high as 39,000 MZN per month. Finally, if you want to rent a villa, expect to pay anywhere from 20,000 MZN to 79,000 MZN per month.
Apartment and house prices in Beira
Cost of buying a property
Studio apartment price
| 660,000 MZN | 980,000 MZN | 2M MZN |
1-bedroom apartment price
| 790,000 MZN | 1.3M MZN | 4.9M MZN |
2-bedroom apartment price
| 1.3M MZN | 3.9M MZN | 7.9M MZN |
3-bedroom apartment price
| 4.4M MZN | 6.6M MZN | 20M MZN |
| $68,000 | $100,000 | $310,000 |
Townhouse price
| $88,000 | $210,000 | $770,000 |
House price
| $100,000 | $620,000 | $880,000 |
Villa price
The average price of a studio apartment in Beira can range from 660,000 MZN to 2M MZN depending on location. One bedroom cost can be anywhere from 790,000 MZN to 4.9M MZN. A villa can cost you 44M MZN on average with prices ranging from 7.9M MZN to 66M MZN.
If you're leasing or purchasing, housing costs in Beira 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
| 28 | x77 monthly income | 183 |
Property prices in Beira can be x77 to x183 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x77 multiples of the average monthly salary in Beira.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Beira is around 27%. This means that people pay 27% of their income for rent. Those figures can range from 18% to 37% depending on the salary, location, and type of property.
The housing-to-income ratio is a very important metric to evaluate and measure how affordable living is in a particular area, city, or country since housing comprises the biggest chunk of expenditure. A higher housing to income ratio means that the place is relatively expensive. The figure by itself does tell much. It only starts to make sense when comparing the housing to income ratio across different locations.
Housing affordability index
The housing affordability index measures how affordable accommodation is in a particular place. This can measured in multiple ways, the most common being housing expenditure to total expenditure ratio and the rent to income ratio. The housing expenditure ratio is a figure reported by individuals on the percentage they allocate for housing. Rent to income ratio is calculated by dividing the average monthly rent by the average income. Because these values are both percentages, we can find their average and get the best of the two worlds.
Housing Affordability Index
25% 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.
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.
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 Beira
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Beira
Utility Bill Cost / Electricity + Water + Gas / Student
| 120 MZN | 800 MZN | 5,300 MZN |
Internet and cable cost
Mobile phone bill and charges
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 students is around 800 MZN. The cost of internet and WiFi ranges from 200 MZN to 530 MZN with 400 MZN being the average internet bill. Finally, the average monthly mobile charges is around 260 MZN but can range between 160 MZN and 790 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
The average utility-to-income ratio in Beira is around 6.8%. This means that people pay 6.8% of their income for energy, water, internet, and mobile charges. Those figures can range from 3.9% to 11% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Beira
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Beira
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Beira is approximatly 79 MZN with meal cost ranging from 40 MZN to 130 MZN. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 130 MZN and 400 MZN with 200 MZN being the average price of a plate for one person at a regular restaurant in Beira.
Fine dining meal for one price
| 260 MZN | 400 MZN | 1,600 MZN |
The price range of a meal at fine-dining restaurant is 260 MZN to 1,600 MZN with the average cost being 400 MZN for one person. This is what you would expect to pay a top-tier diner in Beira.
Beverage prices, cappuccino, latte etc..
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Beira is around 53 MZN. Price ranges between 33 MZN and 79 MZN depending on the type of beverage, the size, and optional add-ons.
Grocery and market costs
Large bottle of milk price
The average price of a large bottle of milk in Beira is 32 MZN. The maximum what you would pay for milk is 40 MZN and the minimum being 26 MZN depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 26 MZN on average with 20 MZN and 40 MZN being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Beira is between 45 MZN and 83 MZN depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 58 MZN.
Pack of beef price
The price of a regular pack of beef or meat is around 79 MZN. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Beira costs around 29 MZN on average with prices rangeing between 21 MZN and 41 MZN depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 7.9 MZN to 20 MZN. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 19 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
The average grocery-to-income ratio in Beira is around 27%. This means that students spend 27% of their income on grocery and basic household items. The expenditure can range from 20% to 33% depending on salary and location.
Expenditure on food and grocery for students
Students' spending on grocery ranges from 600 MZN to 27,000 MZN with the location, income, and size of the student being the most determinite factors.
