Cost Of Living For a Student in Morocco 2025
Average Monthly Expenditure
Currency: MAD
Average monthly spending for students in Morocco
How much money does a student need in a month to survive in Morocco?
Students in Morocco spend around 6,100 MAD per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 930 MAD or as high as 41,000 MAD. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Morocco
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
| 31,000 MAD | 62,000 MAD | 83,000 MAD |
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
| 1,000 MAD | 1,600 MAD | 4,200 MAD |
1-bedroom apartment
| 1,600 MAD | 2,500 MAD | 6,200 MAD |
2-bedroom apartment
| 2,100 MAD | 3,100 MAD | 8,300 MAD |
Housing costs / Buying
Studio apartment
| 210,000 MAD | 310,000 MAD | 620,000 MAD |
1-bedroom apartment
| 250,000 MAD | 420,000 MAD | 1.6M MAD |
2-bedroom apartment
| 420,000 MAD | 1.2M MAD | 2.5M MAD |
| $41,000 | $120,000 | $250,000 |
Furniture Costs
King Size Bed
| 1,200 MAD | 1,600 MAD | 2,100 MAD |
Double Bed
| 830 MAD | 1,200 MAD | 1,600 MAD |
Single Bed
| 730 MAD | 960 MAD | 1,200 MAD |
Living Room
| 1,400 MAD | 1,800 MAD | 6,200 MAD |
Dining Table
| 620 MAD | 830 MAD | 1,600 MAD |
Sofa or Couch
| 830 MAD | 1,100 MAD | 2,500 MAD |
Electronics and House Appliance Costs
TV Set
| 830 MAD | 1,200 MAD | 2,500 MAD |
Fridge or Freezer
| 730 MAD | 1,100 MAD | 1,600 MAD |
Washing Machine
| 960 MAD | 1,400 MAD | 2,500 MAD |
Stove or Cooker
| 890 MAD | 1,100 MAD | 1,600 MAD |
Mobile Phone
| 1,000 MAD | 1,200 MAD | 1,800 MAD |
Laptop or Computer
| 1,100 MAD | 1,400 MAD | 2,500 MAD |
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.
How do students spend their money in Morocco?
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 | $22 220 MAD |
| AVERAGE | $150 1,500 MAD |
| HIGH | $970 9,700 MAD |
| Per Month |
Students in Morocco 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 1,500 MAD with expenditure ranging from 220 MAD to 9,700 MAD. 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 | $3.7 37 MAD |
| AVERAGE | $24 240 MAD |
| HIGH | $160 1,600 MAD |
| Per Month |
Utility expenditure like electricity, water, and gas in Morocco ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 240 MAD with 37 MAD and 1,600 MAD 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 | $6.5 65 MAD |
| AVERAGE | $42 430 MAD |
| HIGH | $280 2,800 MAD |
| 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 65 MAD to 2,800 MAD in a month on commuting with 430 MAD 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 | $18 190 MAD |
| AVERAGE | $120 1,200 MAD |
| HIGH | $810 8,100 MAD |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Morocco is 1,200 MAD. The cost of groceries can range between 190 MAD to 8,100 MAD. 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 | $5.5 56 MAD |
| AVERAGE | $36 370 MAD |
| HIGH | $240 2,400 MAD |
| Per Month |
Students in Morocco 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 56 MAD to 2,400 MAD with 370 MAD 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 | $4.6 46 MAD |
| AVERAGE | $30 300 MAD |
| HIGH | $200 2,000 MAD |
| 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 46 MAD to 2,000 MAD with 300 MAD 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 | $18 180 MAD |
| AVERAGE | $120 1,200 MAD |
| HIGH | $770 7,700 MAD |
| 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 1,200 MAD per month with 180 MAD being the minimum spent amount and 7,700 MAD being the maximum.
Other Expenses18%
18% of total expenses on average (12% to 24%)
| LOW | $14 140 MAD |
| AVERAGE | $91 910 MAD |
| HIGH | $610 6,100 MAD |
| Per Month |
Affordable living in Morocco
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Morocco?
Around 63% of surveyed students think that living in Morocco is affordable with proper budgeting while 37% reported that it is just too expensive and not affordable even with frugality and thriftness.
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 whether they have an emergency fund and the answers were as follows.
Yes63%
No37%
Based on the survey, 37% of the students living in Morocco said that they don't have an emergency fund while 63% said that they do.
Low-cost alternatives in Morocco
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 options59%
Few low-cost options41%
Based on the survey, 59% of the students living in Morocco have no problem finding low-cost alternatives to support a frugal lifestyle while 41% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.
Financial Literacy in
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 Leteracy58%
We asked student guardians and parents in Morocco whether they acquired any adequate personal financial training in their lives. Approximately 42% 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 58% 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 have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 34% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 66% said that they have everything under control.
Struggles with finance34%
Easily manages finances66%
Housing costs, accommodation, and housing affordability in Morocco
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Morocco
Monthly Rent Prices
Studio apartment monthly rent cost
| 1,000 MAD | 1,600 MAD | 4,200 MAD |
1-bedroom apartment monthly rent cost
| 1,600 MAD | 2,500 MAD | 6,200 MAD |
2-bedroom apartment monthly rent cost
| 2,100 MAD | 3,100 MAD | 8,300 MAD |
3-bedroom apartment monthly rent cost
| 2,500 MAD | 4,200 MAD | 11,000 MAD |
Furnished apartment monthly rent cost
| 5,000 MAD | 12,000 MAD | 25,000 MAD |
Townhouse monthly rent cost
| 4,200 MAD | 6,200 MAD | 18,000 MAD |
House monthly rent cost
| 5,000 MAD | 12,000 MAD | 25,000 MAD |
Villa monthly rent cost
| 6,200 MAD | 16,000 MAD | 25,000 MAD |
The monthly rental cost of a studio apartment in Morocco ranges between 1,000 MAD and 4,200 MAD, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,600 MAD to 6,200 MAD. Two-bedroom rentals rate ranges between 2,100 MAD and 8,300 MAD per month. The monthly rental for a three-bedroom apartment ranges from 2,500 MAD to 11,000 MAD. The average rent of a townhouse in Morocco is around 6,200 MAD while house rental costs can be as high as 12,000 MAD per month. Finally, if you want to rent a villa, expect to pay anywhere from 6,200 MAD to 25,000 MAD per month.
Apartment and house prices in Morocco
Cost of buying a property
Studio apartment price
| 210,000 MAD | 310,000 MAD | 620,000 MAD |
1-bedroom apartment price
| 250,000 MAD | 420,000 MAD | 1.6M MAD |
2-bedroom apartment price
| 420,000 MAD | 1.2M MAD | 2.5M MAD |
| $41,000 | $120,000 | $250,000 |
3-bedroom apartment price
| 1.4M MAD | 2.1M MAD | 6.2M MAD |
| $140,000 | $210,000 | $620,000 |
Townhouse price
| 1.8M MAD | 4.2M MAD | 16M MAD |
House price
Villa price
The average price of a studio apartment in Morocco can range from 210,000 MAD to 620,000 MAD depending on location. One bedroom cost can be anywhere from 250,000 MAD to 1.6M MAD. A villa can cost you 14M MAD on average with prices ranging from 2.5M MAD to 21M MAD.
If you're leasing or purchasing, housing costs in Morocco 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
| 36 | x103 monthly income | 202 |
Property prices in Morocco can be x103 to x202 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x103 multiples of the average monthly salary in Morocco.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Morocco 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.
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.
Food Prices, Dining Expenses, and Grocery Costs in Morocco
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Morocco
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 Morocco is approximatly 25 MAD with meal cost ranging from 12 MAD to 42 MAD. 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 42 MAD and 120 MAD with 62 MAD being the average price of a plate for one person at a regular restaurant in Morocco.
Fine dining meal for one price
The price range of a meal at fine-dining restaurant is 83 MAD to 500 MAD with the average cost being 120 MAD for one person. This is what you would expect to pay a top-tier diner in Morocco.
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 Morocco is around 17 MAD. Price ranges between 10 MAD and 25 MAD 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 Morocco is 10 MAD. The maximum what you would pay for milk is 12 MAD and the minimum being 8.3 MAD depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 8.3 MAD on average with 6.2 MAD and 12 MAD being the lower and upper limits respectively.
Fresh whole chicken price
The price range of a fresh whole chicken in Morocco is between 14 MAD and 26 MAD depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 18 MAD.
Pack of beef price
The price of a regular pack of beef or meat is around 25 MAD. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Morocco costs around 9.2 MAD on average with prices rangeing between 6.7 MAD and 13 MAD depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 2.5 MAD to 6.2 MAD. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 5.8 MAD on average. A bag of apples denotes 1Kg or 1lb depending on location.
Expenditure on food and grocery for students
Students' spending on grocery ranges from 190 MAD to 8,100 MAD with the location, income, and size of the student being the most determinite factors.
Monthly costs and expenses of energy and basic utilities in Morocco
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Morocco
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 240 MAD. The cost of internet and WiFi ranges from 62 MAD to 170 MAD with 120 MAD being the average internet bill. Finally, the average monthly mobile charges is around 83 MAD but can range between 50 MAD and 250 MAD 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 Morocco 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.
