Cost Of Living For a Student in Swaziland 2025

Student cost of living chart - average monthly expenditure in Swaziland

Average Monthly Expenditure

Currency: SZL
350 2,300 16,000
MINIMUM AVERAGE MAXIMUM
$19 $120 $830

Average monthly spending for students in Swaziland

How much money does a student need in a month to survive in Swaziland?

Students in Swaziland spend around 2,300 SZL per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 350 SZL or as high as 16,000 SZL. Location is a very important factor and has a huge influence on expenditure and budget.

Prices and cost of goods and services in Swaziland

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

Dining, food, and beverages costs


Fast food combo meal

4.5 SZL 9 SZL 15 SZL
MINIMUM AVERAGE MAXIMUM
$0.24 $0.48 $0.79

Restaurant meal for one

15 SZL 23 SZL 45 SZL
MINIMUM AVERAGE MAXIMUM
$0.79 $1.2 $2.4

Fine dining meal for one

30 SZL 45 SZL 180 SZL
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $9.5

Cappuccino or latte

3.8 SZL 6 SZL 9 SZL
MINIMUM AVERAGE MAXIMUM
$0.20 $0.32 $0.48

Grocery and market costs


Milk large bottle

3 SZL 3.6 SZL 4.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.16 $0.19 $0.24

12 eggs

2.3 SZL 3 SZL 4.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.24

Fresh whole chicken

5.1 SZL 6.7 SZL 9.4 SZL
MINIMUM AVERAGE MAXIMUM
$0.27 $0.35 $0.50

Pack of beef

6 SZL 9 SZL 18 SZL
MINIMUM AVERAGE MAXIMUM
$0.32 $0.48 $0.95

Medium bag of rice

2.4 SZL 3.3 SZL 4.7 SZL
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.25

Bag of tomatos

0.91 SZL 1.2 SZL 2.3 SZL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.06 $0.12

Bag of apples

1.6 SZL 2.1 SZL 3.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.11 $0.18
Chart showing the prices and cost of commute, travel, and transportation in Swaziland

Commute, travel, and transportation costs


20 minutes taxi ride

3.8 SZL 4.5 SZL 9 SZL
MINIMUM AVERAGE MAXIMUM
$0.20 $0.24 $0.48

Average car full tank

23 SZL 30 SZL 60 SZL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $3.2

Average car 1-day rental

23 SZL 30 SZL 45 SZL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.6 $2.4

Average car price

11,000 SZL 23,000 SZL 30,000 SZL
MINIMUM AVERAGE MAXIMUM
$600 $1,200 $1,600

Bus ticket one way

0.75 SZL 1.1 SZL 2.3 SZL
MINIMUM AVERAGE MAXIMUM
$0.04 $0.06 $0.12

Car Service

30 SZL 45 SZL 90 SZL
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $4.8
Chart showing the prices and cost of utility, energy, water, and gas for a student in Swaziland

Utility cost (monthly)


Utility Bill - Student

14 SZL 94 SZL 630 SZL
MINIMUM AVERAGE MAXIMUM
$0.74 $5 $33

Internet and cable

23 SZL 45 SZL 60 SZL
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $3.2

Mobile phone charges

18 SZL 30 SZL 90 SZL
MINIMUM AVERAGE MAXIMUM
$0.95 $1.6 $4.8

Leisure and activities costs


Movie ticket

11 SZL 15 SZL 23 SZL
MINIMUM AVERAGE MAXIMUM
$0.60 $0.79 $1.2

One month gym membership

36 SZL 45 SZL 90 SZL
MINIMUM AVERAGE MAXIMUM
$1.9 $2.4 $4.8
Chart showing the prices and cost of clothing and accessories in Swaziland

Cloths and accessories costs


Pair of jeans or pants

27 SZL 38 SZL 57 SZL
MINIMUM AVERAGE MAXIMUM
$1.4 $2 $3

Woman dress

25 SZL 35 SZL 110 SZL
MINIMUM AVERAGE MAXIMUM
$1.3 $1.8 $6

Woman shoes

24 SZL 32 SZL 75 SZL
MINIMUM AVERAGE MAXIMUM
$1.3 $1.7 $4

Men's shoes

21 SZL 25 SZL 50 SZL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.3 $2.6

Men suit

23 SZL 28 SZL 150 SZL
MINIMUM AVERAGE MAXIMUM
$1.2 $1.5 $7.9

Regular t-shirt

11 SZL 15 SZL 45 SZL
MINIMUM AVERAGE MAXIMUM
$0.60 $0.79 $2.4
Chart showing the prices and cost of housing, accommodation, and rent in Swaziland

Housing costs / monthly rent


Studio apartment

380 SZL 570 SZL 1,500 SZL
MINIMUM AVERAGE MAXIMUM
$20 $30 $79

1-bedroom apartment

570 SZL 900 SZL 2,300 SZL
MINIMUM AVERAGE MAXIMUM
$30 $48 $120

2-bedroom apartment

750 SZL 1,100 SZL 3,000 SZL
MINIMUM AVERAGE MAXIMUM
$40 $60 $160

Housing costs / Buying


Studio apartment

75,000 SZL 110,000 SZL 230,000 SZL
MINIMUM AVERAGE MAXIMUM
$4,000 $6,000 $12,000

1-bedroom apartment

90,000 SZL 150,000 SZL 570,000 SZL
MINIMUM AVERAGE MAXIMUM
$4,800 $7,900 $30,000

2-bedroom apartment

150,000 SZL 450,000 SZL 900,000 SZL
MINIMUM AVERAGE MAXIMUM
$7,900 $24,000 $48,000
Chart showing the prices and cost of furniture in Swaziland

Furniture Costs


King Size Bed

450 SZL 570 SZL 750 SZL
MINIMUM AVERAGE MAXIMUM
$24 $30 $40

Double Bed

300 SZL 450 SZL 570 SZL
MINIMUM AVERAGE MAXIMUM
$16 $24 $30

Single Bed

270 SZL 350 SZL 450 SZL
MINIMUM AVERAGE MAXIMUM
$14 $18 $24

Living Room

500 SZL 650 SZL 2,300 SZL
MINIMUM AVERAGE MAXIMUM
$26 $34 $120

Dining Table

230 SZL 300 SZL 570 SZL
MINIMUM AVERAGE MAXIMUM
$12 $16 $30

Sofa or Couch

300 SZL 410 SZL 900 SZL
MINIMUM AVERAGE MAXIMUM
$16 $22 $48
Chart showing the prices and cost of electronic devices and appliances in Swaziland

Electronics and House Appliance Costs


TV Set

300 SZL 450 SZL 900 SZL
MINIMUM AVERAGE MAXIMUM
$16 $24 $48

Fridge or Freezer

270 SZL 410 SZL 570 SZL
MINIMUM AVERAGE MAXIMUM
$14 $22 $30

Washing Machine

350 SZL 500 SZL 900 SZL
MINIMUM AVERAGE MAXIMUM
$18 $26 $48

Stove or Cooker

320 SZL 410 SZL 570 SZL
MINIMUM AVERAGE MAXIMUM
$17 $22 $30

Mobile Phone

380 SZL 450 SZL 650 SZL
MINIMUM AVERAGE MAXIMUM
$20 $24 $34

Laptop or Computer

410 SZL 500 SZL 900 SZL
MINIMUM AVERAGE MAXIMUM
$22 $26 $48
Distribution of monthly cost of living expenses of a student in Swaziland

How do students spend their money in Swaziland?

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$4.4   84 SZL
AVERAGE$30   560 SZL
HIGH$200   3,800 SZL
Per Month

Students in Swaziland 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 560 SZL with expenditure ranging from 84 SZL to 3,800 SZL. 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$0.74   14 SZL
AVERAGE$5   94 SZL
HIGH$33   630 SZL
Per Month

Utility expenditure like electricity, water, and gas in Swaziland ranges from 5% to 11% of total expenses with 7% being the average for most students. The average monthly cost of utilities is 94 SZL with 14 SZL and 630 SZL being the upper and lower limits for a student of four.

Transport, fuel, and commute expenditure for students

Cost of transport and fuel4%

4% of total expenses on average (4% to 10%)

LOW$1.3   25 SZL
AVERAGE$8.7   160 SZL
HIGH$58   1,100 SZL
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 25 SZL to 1,100 SZL in a month on commuting with 160 SZL being the norm for most students. This means that money spent on transport constitutes about 4% of total spending on average but can go as low as 4% or as high as 10%.

Food, groceries, and basic shopping expenditure for students

Food and Groceries Cost23%

23% of total expenses on average (17% to 27%)

LOW$3.7   70 SZL
AVERAGE$25   470 SZL
HIGH$170   3,100 SZL
Per Month

The average outlay on groceries and basic houshold items for a typical student in a month in Swaziland is 470 SZL. The cost of groceries can range between 70 SZL to 3,100 SZL. Students spend on average about 23% on food and groceries with upper and lower bounds of 17% and 27% respectively.

Healthcare and medical services expenditure for students

Cost of healthcare9%

9% of total expenses on average (6% to 12%)

LOW$1.1   21 SZL
AVERAGE$7.4   140 SZL
HIGH$50   940 SZL
Per Month

Students in Swaziland allocate 6% to 12% 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 9%. The range of medical expenses range from 21 SZL to 940 SZL with 140 SZL 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$0.93   18 SZL
AVERAGE$6.2   120 SZL
HIGH$41   780 SZL
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 18 SZL to 780 SZL with 120 SZL 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$3.5   67 SZL
AVERAGE$24   450 SZL
HIGH$160   3,000 SZL
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 450 SZL per month with 67 SZL being the minimum spent amount and 3,000 SZL being the maximum.

Other Expenses19%

19% of total expenses on average (13% to 25%)

LOW$2.8   53 SZL
AVERAGE$19   350 SZL
HIGH$120   2,300 SZL
Per Month
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 students to live in Swaziland

Affordable living in Swaziland

Income and cost of living compatibility

We asked students one simple question and recorded their answers.

Is it affordable or economical to live in Swaziland?


Yes
43%
No
57%

Around 43% of surveyed students think that living in Swaziland is affordable with proper budgeting while 57% reported that it is just too expensive and not affordable even with frugality and thriftness.

How easily is cost-cutting for students. Are there plenty of low-cost options in Swaziland

Low-cost alternatives in Swaziland

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 options52%

Few low-cost options48%


Based on the survey, 52% of the students living in Swaziland have no problem finding low-cost alternatives to support a frugal lifestyle while 48% 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 whether they have an emergency fund and the answers were as follows.

Yes40%

No60%


Based on the survey, 60% of the students living in Swaziland said that they don't have an emergency fund while 40% said that they do.

Financial literacy and difficulty in budgeting and financial planning for students in Swaziland

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 Leteracy38%


We asked student guardians and parents in Swaziland whether they acquired any adequate personal financial training in their lives. Approximately 62% 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 38% 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? 61% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 39% said that they have everything under control.

Struggles with finance61%

Easily manages finances39%

Food Prices, Dining Expenses, and Grocery Costs in Swaziland

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


Prices and cost of goods and services in Swaziland

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

Fast food combo meal price

4.5 SZL 9 SZL 15 SZL
MINIMUM AVERAGE MAXIMUM
$0.24 $0.48 $0.79

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Swaziland is approximatly 9 SZL with meal cost ranging from 4.5 SZL to 15 SZL. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

15 SZL 23 SZL 45 SZL
MINIMUM AVERAGE MAXIMUM
$0.79 $1.2 $2.4

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 15 SZL and 45 SZL with 23 SZL being the average price of a plate for one person at a regular restaurant in Swaziland.

Fine dining meal for one price

30 SZL 45 SZL 180 SZL
MINIMUM AVERAGE MAXIMUM
$1.6 $2.4 $9.5

The price range of a meal at fine-dining restaurant is 30 SZL to 180 SZL with the average cost being 45 SZL for one person. This is what you would expect to pay a top-tier diner in Swaziland.

Beverage prices, cappuccino, latte etc..

3.8 SZL 6 SZL 9 SZL
MINIMUM AVERAGE MAXIMUM
$0.20 $0.32 $0.48

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Swaziland is around 6 SZL. Price ranges between 3.8 SZL and 9 SZL depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

3 SZL 3.6 SZL 4.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.16 $0.19 $0.24

The average price of a large bottle of milk in Swaziland is 3.6 SZL. The maximum what you would pay for milk is 4.5 SZL and the minimum being 3 SZL depending on the brand of milk and other properties.

12 eggs price

2.3 SZL 3 SZL 4.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.12 $0.16 $0.24

A dozen eggs costs around 3 SZL on average with 2.3 SZL and 4.5 SZL being the lower and upper limits respectively.

Fresh whole chicken price

5.1 SZL 6.7 SZL 9.4 SZL
MINIMUM AVERAGE MAXIMUM
$0.27 $0.35 $0.50

The price range of a fresh whole chicken in Swaziland is between 5.1 SZL and 9.4 SZL depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 6.7 SZL.

Pack of beef price

6 SZL 9 SZL 18 SZL
MINIMUM AVERAGE MAXIMUM
$0.32 $0.48 $0.95

The price of a regular pack of beef or meat is around 9 SZL. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

2.4 SZL 3.3 SZL 4.7 SZL
MINIMUM AVERAGE MAXIMUM
$0.13 $0.18 $0.25

A bag of rice in Swaziland costs around 3.3 SZL on average with prices rangeing between 2.4 SZL and 4.7 SZL depending on the brand and quality.

Bag of tomatos price

0.91 SZL 1.2 SZL 2.3 SZL
MINIMUM AVERAGE MAXIMUM
$0.05 $0.06 $0.12

A bag of tomatoes costs anywhere from 0.91 SZL to 2.3 SZL. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

1.6 SZL 2.1 SZL 3.5 SZL
MINIMUM AVERAGE MAXIMUM
$0.09 $0.11 $0.18

A bag of apples costs 2.1 SZL 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 70 SZL to 3,100 SZL with the location, income, and size of the student being the most determinite factors.

Monthly costs and expenses of energy and basic utilities in Swaziland

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Student

14 SZL 94 SZL 630 SZL
MINIMUM AVERAGE MAXIMUM
$0.74 $5 $33

Internet and cable cost

23 SZL 45 SZL 60 SZL
MINIMUM AVERAGE MAXIMUM
$1.2 $2.4 $3.2

Mobile phone bill and charges

18 SZL 30 SZL 90 SZL
MINIMUM AVERAGE MAXIMUM
$0.95 $1.6 $4.8

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 94 SZL. The cost of internet and WiFi ranges from 23 SZL to 60 SZL with 45 SZL being the average internet bill. Finally, the average monthly mobile charges is around 30 SZL but can range between 18 SZL and 90 SZL depending on consumption. Mobile charges include both calling minutes as well as data packages.


Energy / Utility expense to income ratio


( monthly utility expenses / monthly income ) x 100


4% 7% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Swaziland is around 7%. This means that people pay 7% of their income for energy, water, internet, and mobile charges. Those figures can range from 4% to 11% depending on salary and location.

Housing and accommodation affordability, property price to income ratio, rent to income ratio, and housing affordability index chart in Swaziland

Housing costs, accommodation, and housing affordability in Swaziland

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


Rent Cost in Swaziland

Monthly Rent Prices

Studio apartment monthly rent cost

380 SZL 570 SZL 1,500 SZL
MINIMUM AVERAGE MAXIMUM
$20 $30 $79

1-bedroom apartment monthly rent cost

570 SZL 900 SZL 2,300 SZL
MINIMUM AVERAGE MAXIMUM
$30 $48 $120

2-bedroom apartment monthly rent cost

750 SZL 1,100 SZL 3,000 SZL
MINIMUM AVERAGE MAXIMUM
$40 $60 $160

3-bedroom apartment monthly rent cost

900 SZL 1,500 SZL 4,100 SZL
MINIMUM AVERAGE MAXIMUM
$48 $79 $220

Furnished apartment monthly rent cost

1,800 SZL 4,500 SZL 9,000 SZL
MINIMUM AVERAGE MAXIMUM
$95 $240 $480

Townhouse monthly rent cost

1,500 SZL 2,300 SZL 6,500 SZL
MINIMUM AVERAGE MAXIMUM
$79 $120 $340

House monthly rent cost

1,800 SZL 4,500 SZL 9,000 SZL
MINIMUM AVERAGE MAXIMUM
$95 $240 $480

Villa monthly rent cost

2,300 SZL 5,700 SZL 9,000 SZL
MINIMUM AVERAGE MAXIMUM
$120 $300 $480

The monthly rental cost of a studio apartment in Swaziland ranges between 380 SZL and 1,500 SZL, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 570 SZL to 2,300 SZL. Two-bedroom rentals rate ranges between 750 SZL and 3,000 SZL per month. The monthly rental for a three-bedroom apartment ranges from 900 SZL to 4,100 SZL. The average rent of a townhouse in Swaziland is around 2,300 SZL while house rental costs can be as high as 4,500 SZL per month. Finally, if you want to rent a villa, expect to pay anywhere from 2,300 SZL to 9,000 SZL per month.



Apartment and house prices in Swaziland

Cost of buying a property

Studio apartment price

75,000 SZL 110,000 SZL 230,000 SZL
MINIMUM AVERAGE MAXIMUM
$4,000 $6,000 $12,000

1-bedroom apartment price

90,000 SZL 150,000 SZL 570,000 SZL
MINIMUM AVERAGE MAXIMUM
$4,800 $7,900 $30,000

2-bedroom apartment price

150,000 SZL 450,000 SZL 900,000 SZL
MINIMUM AVERAGE MAXIMUM
$7,900 $24,000 $48,000

3-bedroom apartment price

500,000 SZL 750,000 SZL 2.3M SZL
MINIMUM AVERAGE MAXIMUM
$26,000 $40,000 $120,000

Townhouse price

650,000 SZL 1.5M SZL 5.7M SZL
MINIMUM AVERAGE MAXIMUM
$34,000 $79,000 $300,000

House price

750,000 SZL 4.5M SZL 6.5M SZL
MINIMUM AVERAGE MAXIMUM
$40,000 $240,000 $340,000

Villa price

900,000 SZL 5M SZL 7.5M SZL
MINIMUM AVERAGE MAXIMUM
$48,000 $260,000 $400,000

The average price of a studio apartment in Swaziland can range from 75,000 SZL to 230,000 SZL depending on location. One bedroom cost can be anywhere from 90,000 SZL to 570,000 SZL. A villa can cost you 5M SZL on average with prices ranging from 900,000 SZL to 7.5M SZL.


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


29 x81 monthly income 188
MINIMUM AVERAGE MAXIMUM

Property prices in Swaziland can be x81 to x188 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x81 multiples of the average monthly salary in Swaziland.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


18% 28% of income 38%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Swaziland is around 28%. This means that people pay 28% of their income for rent. Those figures can range from 18% to 38% 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
26%

Property Taxes

Real estate owners pay property taxes to local tax authorities, which are determined by the assessed value of their property. Typically, these taxes are paid once a year. Property tax funds contribute to community development, financing infrastructure improvements, public services, and local education initiatives.


FROM
1.8%
AVERAGE
2.8%
TO
3.8%

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.


7 SZL 91 SZL 910 SZL
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.

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