Cost Of Living For a Student in Cluj-Napoca 2024
Average Monthly Expenditure
Currency: RON
Average monthly spending for students in Cluj-Napoca
How much money does a student need in a month to survive in Cluj-Napoca?
Students in Cluj-Napoca spend around 5,000 RON per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 770 RON or as high as 33,000 RON. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Cluj-Napoca
Dining, food, and beverages costs
Fast food combo meal
Restaurant meal for one
Fine dining meal for one
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
| 26,000 RON | 52,000 RON | 70,000 RON |
Bus ticket one way
Car Service
Utility cost (monthly)
Utility Bill - Student
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
Regular t-shirt
Housing costs / monthly rent
Studio apartment
| 880 RON | 1,300 RON | 3,500 RON |
1-bedroom apartment
| 1,300 RON | 2,100 RON | 5,300 RON |
2-bedroom apartment
| 1,800 RON | 2,600 RON | 7,000 RON |
Housing costs / Buying
Studio apartment
| 180,000 RON | 260,000 RON | 530,000 RON |
1-bedroom apartment
| 210,000 RON | 350,000 RON | 1.3M RON |
2-bedroom apartment
| 350,000 RON | 1.1M RON | 2.1M RON |
| $77,000 | $230,000 | $460,000 |
Furniture Costs
King Size Bed
| 1,000 RON | 1,300 RON | 1,700 RON |
Double Bed
| 700 RON | 1,000 RON | 1,300 RON |
Single Bed
| 610 RON | 800 RON | 1,000 RON |
Living Room
| 1,200 RON | 1,500 RON | 5,200 RON |
Dining Table
| 520 RON | 700 RON | 1,300 RON |
Sofa or Couch
| 700 RON | 950 RON | 2,100 RON |
Electronics and House Appliance Costs
TV Set
| 700 RON | 1,000 RON | 2,100 RON |
Fridge or Freezer
| 610 RON | 950 RON | 1,300 RON |
Washing Machine
| 800 RON | 1,200 RON | 2,100 RON |
Stove or Cooker
| 750 RON | 950 RON | 1,300 RON |
Mobile Phone
| 870 RON | 1,000 RON | 1,500 RON |
Laptop or Computer
| 950 RON | 1,200 RON | 2,100 RON |
How do students spend their money in Cluj-Napoca?
We asked thousands of students about their spending habits and expenditure break down.
Housing and accomodation expenditure for students
Accomodation Cost19%
19% of total expenses on average (14% to 25%)
| LOW | $40 180 RON |
| AVERAGE | $260 1,200 RON |
| HIGH | $1,800 8,000 RON |
| Per Month |
Students in Cluj-Napoca typically spend from 14% to 25% of their total monthly expenditure on housing with 19% being the average. The average monthly spend on housing is 1,200 RON with expenditure ranging from 180 RON to 8,000 RON. 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 utilities6%
6% of total expenses on average (4% to 10%)
| LOW | $6.7 31 RON |
| AVERAGE | $44 200 RON |
| HIGH | $290 1,300 RON |
| Per Month |
Utility expenditure like electricity, water, and gas in Cluj-Napoca ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 200 RON with 31 RON and 1,300 RON being the upper and lower limits for a student of four.
Transport, fuel, and commute expenditure for students
Cost of transport and fuel5%
5% of total expenses on average (5% to 11%)
| LOW | $12 54 RON |
| AVERAGE | $77 350 RON |
| HIGH | $510 2,300 RON |
| 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 54 RON to 2,300 RON in a month on commuting with 350 RON being the norm for most students. This means that money spent on transport constitutes about 5% of total spending on average but can go as low as 5% or as high as 11%.
Food, groceries, and basic shopping expenditure for students
Food and Groceries Cost22%
22% of total expenses on average (16% to 26%)
| LOW | $34 150 RON |
| AVERAGE | $220 1,000 RON |
| HIGH | $1,500 6,700 RON |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Cluj-Napoca is 1,000 RON. The cost of groceries can range between 150 RON to 6,700 RON. Students spend on average about 22% on food and groceries with upper and lower bounds of 16% and 26% respectively.
Healthcare and medical services expenditure for students
Cost of healthcare8%
8% of total expenses on average (5% to 11%)
| LOW | $10 46 RON |
| AVERAGE | $66 300 RON |
| HIGH | $440 2,000 RON |
| Per Month |
Students in Cluj-Napoca allocate 5% to 11% 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 8%. The range of medical expenses range from 46 RON to 2,000 RON with 300 RON being the norm for most students.
Leisure and shopping expenditure for students
Cost of leisure and shopping3%
3% of total expenses on average (2% to 7%)
| LOW | $8.4 38 RON |
| AVERAGE | $55 250 RON |
| HIGH | $360 1,700 RON |
| 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 38 RON to 1,700 RON with 250 RON being the average. Speaking of percentages, that equates to 2% to 7% of total expenses with an average of 3% for most students.
Education and schooling expenditure for students
Cost of education and schooling19%
19% of total expenses on average (12% to 24%)
| LOW | $32 150 RON |
| AVERAGE | $210 950 RON |
| HIGH | $1,400 6,400 RON |
| Per Month |
Spending on education can vary drastically between different students. On average, education constitutes 19% of the monthly expenditure of students with 12% and 24% being the lower and upper bounds respectively. The average reported education cost is 950 RON per month with 150 RON being the minimum spent amount and 6,400 RON being the maximum.
Other Expenses18%
18% of total expenses on average (12% to 24%)
| LOW | $25 120 RON |
| AVERAGE | $160 750 RON |
| HIGH | $1,100 5,000 RON |
| 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 Cluj-Napoca
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Cluj-Napoca?
Around 67% of surveyed students think that living in Cluj-Napoca is affordable with proper budgeting while 33% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Cluj-Napoca
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 options57%
Few low-cost options43%
Based on the survey, 57% of the students living in Cluj-Napoca have no problem finding low-cost alternatives to support a frugal lifestyle while 43% 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 Cluj-Napoca whether they have an emergency fund and the answers were as follows.
Yes62%
No38%
Based on the survey, 38% of the students living in Cluj-Napoca said that they don't have an emergency fund while 62% said that they do.
Financial Literacy in Romania
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 Leteracy62%
We asked student guardians and parents in Cluj-Napoca whether they acquired any adequate personal financial training in their lives. Approximately 38% 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 62% 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 Romania have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 41% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 59% said that they have everything under control.
Struggles with finance41%
Easily manages finances59%
Housing costs, accommodation, and housing affordability in Cluj-Napoca
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Cluj-Napoca
Monthly Rent Prices
Studio apartment monthly rent cost
| 880 RON | 1,300 RON | 3,500 RON |
1-bedroom apartment monthly rent cost
| 1,300 RON | 2,100 RON | 5,300 RON |
2-bedroom apartment monthly rent cost
| 1,800 RON | 2,600 RON | 7,000 RON |
3-bedroom apartment monthly rent cost
| 2,100 RON | 3,500 RON | 9,600 RON |
Furnished apartment monthly rent cost
| 4,200 RON | 11,000 RON | 21,000 RON |
Townhouse monthly rent cost
| 3,500 RON | 5,300 RON | 15,000 RON |
House monthly rent cost
| 4,200 RON | 11,000 RON | 21,000 RON |
Villa monthly rent cost
| 5,300 RON | 13,000 RON | 21,000 RON |
The monthly rental cost of a studio apartment in Cluj-Napoca ranges between 880 RON and 3,500 RON, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,300 RON to 5,300 RON. Two-bedroom rentals rate ranges between 1,800 RON and 7,000 RON per month. The monthly rental for a three-bedroom apartment ranges from 2,100 RON to 9,600 RON. The average rent of a townhouse in Cluj-Napoca is around 5,300 RON while house rental costs can be as high as 11,000 RON per month. Finally, if you want to rent a villa, expect to pay anywhere from 5,300 RON to 21,000 RON per month.
Apartment and house prices in Cluj-Napoca
Cost of buying a property
Studio apartment price
| 180,000 RON | 260,000 RON | 530,000 RON |
1-bedroom apartment price
| 210,000 RON | 350,000 RON | 1.3M RON |
2-bedroom apartment price
| 350,000 RON | 1.1M RON | 2.1M RON |
| $77,000 | $230,000 | $460,000 |
3-bedroom apartment price
| 1.2M RON | 1.8M RON | 5.3M RON |
Townhouse price
| 1.5M RON | 3.5M RON | 13M RON |
House price
Villa price
The average price of a studio apartment in Cluj-Napoca can range from 180,000 RON to 530,000 RON depending on location. One bedroom cost can be anywhere from 210,000 RON to 1.3M RON. A villa can cost you 12M RON on average with prices ranging from 2.1M RON to 18M RON.
If you're leasing or purchasing, housing costs in Cluj-Napoca 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
| 40 | x119 monthly income | 212 |
Property prices in Cluj-Napoca can be x119 to x212 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x119 multiples of the average monthly salary in Cluj-Napoca.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Cluj-Napoca is around 32%. This means that people pay 32% of their income for rent. Those figures can range from 22% 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
30% Property Taxes
Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.
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 Cluj-Napoca
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Cluj-Napoca
Utility Bill Cost / Electricity + Water + Gas / Student
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 200 RON. The cost of internet and WiFi ranges from 52 RON to 140 RON with 100 RON being the average internet bill. Finally, the average monthly mobile charges is around 70 RON but can range between 42 RON and 210 RON 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 Cluj-Napoca is around 5%. This means that people pay 5% of their income for energy, water, internet, and mobile charges. Those figures can range from 2% to 9% depending on salary and location.
Food Prices, Dining Expenses, and Grocery Costs in Cluj-Napoca
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Cluj-Napoca
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 Cluj-Napoca is approximatly 21 RON with meal cost ranging from 10 RON to 35 RON. 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 35 RON and 110 RON with 53 RON being the average price of a plate for one person at a regular restaurant in Cluj-Napoca.
Fine dining meal for one price
The price range of a meal at fine-dining restaurant is 70 RON to 420 RON with the average cost being 110 RON for one person. This is what you would expect to pay a top-tier diner in Cluj-Napoca.
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 Cluj-Napoca is around 14 RON. Price ranges between 8.7 RON and 21 RON 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 Cluj-Napoca is 8.4 RON. The maximum what you would pay for milk is 10 RON and the minimum being 7 RON depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 7 RON on average with 5.2 RON and 10 RON being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Cluj-Napoca is between 12 RON and 22 RON depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 15 RON.
Pack of beef price
The price of a regular pack of beef or meat is around 21 RON. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Cluj-Napoca costs around 7.7 RON on average with prices rangeing between 5.6 RON and 11 RON depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 2.1 RON to 5.2 RON. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 4.9 RON 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 Cluj-Napoca is around 26%. This means that students spend 26% of their income on grocery and basic household items. The expenditure can range from 18% to 32% depending on salary and location.
Expenditure on food and grocery for students
Students' spending on grocery ranges from 150 RON to 6,700 RON with the location, income, and size of the student being the most determinite factors.
