Cost Of Living For a Student in Togo 2025
Average Monthly Expenditure
Currency: XOF
Average monthly spending for students in Togo
How much money does a student need in a month to survive in Togo?
Students in Togo spend around 260,000 XOF per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 40,000 XOF or as high as 1.8M XOF. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Togo
Dining, food, and beverages costs
Fast food combo meal
| 530 XOF | 1,100 XOF | 1,800 XOF |
Restaurant meal for one
| 1,800 XOF | 2,600 XOF | 5,300 XOF |
Fine dining meal for one
| 3,500 XOF | 5,300 XOF | 21,000 XOF |
Cappuccino or latte
| 440 XOF | 710 XOF | 1,100 XOF |
Grocery and market costs
Milk large bottle
12 eggs
Fresh whole chicken
| 600 XOF | 780 XOF | 1,100 XOF |
Pack of beef
| 710 XOF | 1,100 XOF | 2,100 XOF |
Medium bag of rice
Bag of tomatos
Bag of apples
Commute, travel, and transportation costs
20 minutes taxi ride
| 440 XOF | 530 XOF | 1,100 XOF |
Average car full tank
| 2,600 XOF | 3,500 XOF | 7,100 XOF |
Average car 1-day rental
| 2,600 XOF | 3,500 XOF | 5,300 XOF |
Average car price
| 1.3M XOF | 2.6M XOF | 3.5M XOF |
Bus ticket one way
Car Service
| 3,500 XOF | 5,300 XOF | 11,000 XOF |
Utility cost (monthly)
Utility Bill - Student
| 1,600 XOF | 11,000 XOF | 70,000 XOF |
Internet and cable
| 2,600 XOF | 5,300 XOF | 7,100 XOF |
Mobile phone charges
| 2,100 XOF | 3,500 XOF | 11,000 XOF |
Leisure and activities costs
Movie ticket
| 1,300 XOF | 1,800 XOF | 2,600 XOF |
One month gym membership
| 4,200 XOF | 5,300 XOF | 11,000 XOF |
Cloths and accessories costs
Pair of jeans or pants
| 3,100 XOF | 4,400 XOF | 6,600 XOF |
Woman dress
| 2,900 XOF | 4,100 XOF | 13,000 XOF |
Woman shoes
| 2,800 XOF | 3,800 XOF | 8,800 XOF |
Men's shoes
| 2,400 XOF | 2,900 XOF | 5,900 XOF |
Men suit
| 2,600 XOF | 3,300 XOF | 18,000 XOF |
Regular t-shirt
| 1,300 XOF | 1,800 XOF | 5,300 XOF |
Housing costs / monthly rent
Studio apartment
| 44,000 XOF | 66,000 XOF | 180,000 XOF |
1-bedroom apartment
| 66,000 XOF | 110,000 XOF | 260,000 XOF |
2-bedroom apartment
| 88,000 XOF | 130,000 XOF | 350,000 XOF |
Housing costs / Buying
Studio apartment
1-bedroom apartment
2-bedroom apartment
Furniture Costs
King Size Bed
| 53,000 XOF | 66,000 XOF | 88,000 XOF |
Double Bed
| 35,000 XOF | 53,000 XOF | 66,000 XOF |
Single Bed
| 31,000 XOF | 41,000 XOF | 53,000 XOF |
Living Room
| 59,000 XOF | 76,000 XOF | 260,000 XOF |
Dining Table
| 26,000 XOF | 35,000 XOF | 66,000 XOF |
Sofa or Couch
| 35,000 XOF | 48,000 XOF | 110,000 XOF |
Electronics and House Appliance Costs
TV Set
| 35,000 XOF | 53,000 XOF | 110,000 XOF |
Fridge or Freezer
| 31,000 XOF | 48,000 XOF | 66,000 XOF |
Washing Machine
| 41,000 XOF | 59,000 XOF | 110,000 XOF |
Stove or Cooker
| 38,000 XOF | 48,000 XOF | 66,000 XOF |
Mobile Phone
| 44,000 XOF | 53,000 XOF | 76,000 XOF |
Laptop or Computer
| 48,000 XOF | 59,000 XOF | 110,000 XOF |
How do students spend their money in Togo?
We asked thousands of students about their spending habits and expenditure break down.
Housing and accomodation expenditure for students
Accomodation Cost18%
18% of total expenses on average (13% to 24%)
| LOW | $16 9,600 XOF |
| AVERAGE | $100 63,000 XOF |
| HIGH | $700 420,000 XOF |
| Per Month |
Students in Togo typically spend from 13% to 24% of their total monthly expenditure on housing with 18% being the average. The average monthly spend on housing is 63,000 XOF with expenditure ranging from 9,600 XOF to 420,000 XOF. 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 | $2.6 1,600 XOF |
| AVERAGE | $17 11,000 XOF |
| HIGH | $120 70,000 XOF |
| Per Month |
Utility expenditure like electricity, water, and gas in Togo ranges from 4% to 10% of total expenses with 6% being the average for most students. The average monthly cost of utilities is 11,000 XOF with 1,600 XOF and 70,000 XOF 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 | $4.6 2,800 XOF |
| AVERAGE | $30 18,000 XOF |
| HIGH | $200 120,000 XOF |
| 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 2,800 XOF to 120,000 XOF in a month on commuting with 18,000 XOF 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 | $13 8,000 XOF |
| AVERAGE | $87 53,000 XOF |
| HIGH | $580 350,000 XOF |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Togo is 53,000 XOF. The cost of groceries can range between 8,000 XOF to 350,000 XOF. 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 | $4 2,400 XOF |
| AVERAGE | $26 16,000 XOF |
| HIGH | $170 110,000 XOF |
| Per Month |
Students in Togo 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 2,400 XOF to 110,000 XOF with 16,000 XOF 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 | $3.3 2,000 XOF |
| AVERAGE | $22 13,000 XOF |
| HIGH | $150 88,000 XOF |
| 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 2,000 XOF to 88,000 XOF with 13,000 XOF 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 schooling18%
18% of total expenses on average (11% to 23%)
| LOW | $13 7,600 XOF |
| AVERAGE | $83 50,000 XOF |
| HIGH | $550 330,000 XOF |
| 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 50,000 XOF per month with 7,600 XOF being the minimum spent amount and 330,000 XOF being the maximum.
Other Expenses18%
18% of total expenses on average (12% to 24%)
| LOW | $9.9 6,000 XOF |
| AVERAGE | $65 39,000 XOF |
| HIGH | $440 260,000 XOF |
| 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 Togo
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Togo?
Around 56% of surveyed students think that living in Togo is affordable with proper budgeting while 44% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Togo
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 Togo 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 Togo whether they have an emergency fund and the answers were as follows.
Yes53%
No47%
Based on the survey, 47% of the students living in Togo said that they don't have an emergency fund while 53% said that they do.
Financial Literacy in Togo
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 Leteracy51%
We asked student guardians and parents in Togo whether they acquired any adequate personal financial training in their lives. Approximately 49% 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 51% 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 Togo have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 48% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 52% said that they have everything under control.
Struggles with finance48%
Easily manages finances52%
Housing costs, accommodation, and housing affordability in Togo
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Togo
Monthly Rent Prices
Studio apartment monthly rent cost
| 44,000 XOF | 66,000 XOF | 180,000 XOF |
1-bedroom apartment monthly rent cost
| 66,000 XOF | 110,000 XOF | 260,000 XOF |
2-bedroom apartment monthly rent cost
| 88,000 XOF | 130,000 XOF | 350,000 XOF |
3-bedroom apartment monthly rent cost
| 110,000 XOF | 180,000 XOF | 480,000 XOF |
Furnished apartment monthly rent cost
| 210,000 XOF | 530,000 XOF | 1.1M XOF |
Townhouse monthly rent cost
| 180,000 XOF | 260,000 XOF | 760,000 XOF |
House monthly rent cost
| 210,000 XOF | 530,000 XOF | 1.1M XOF |
Villa monthly rent cost
| 260,000 XOF | 660,000 XOF | 1.1M XOF |
The monthly rental cost of a studio apartment in Togo ranges between 44,000 XOF and 180,000 XOF, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 66,000 XOF to 260,000 XOF. Two-bedroom rentals rate ranges between 88,000 XOF and 350,000 XOF per month. The monthly rental for a three-bedroom apartment ranges from 110,000 XOF to 480,000 XOF. The average rent of a townhouse in Togo is around 260,000 XOF while house rental costs can be as high as 530,000 XOF per month. Finally, if you want to rent a villa, expect to pay anywhere from 260,000 XOF to 1.1M XOF per month.
Apartment and house prices in Togo
Cost of buying a property
Studio apartment price
1-bedroom apartment price
2-bedroom apartment price
3-bedroom apartment price
| $97,000 | $150,000 | $440,000 |
Townhouse price
| 76M XOF | 180M XOF | 660M XOF |
House price
| 88M XOF | 530M XOF | 760M XOF |
Villa price
| 110M XOF | 590M XOF | 880M XOF |
The average price of a studio apartment in Togo can range from 8.8M XOF to 26M XOF depending on location. One bedroom cost can be anywhere from 11M XOF to 66M XOF. A villa can cost you 590M XOF on average with prices ranging from 110M XOF to 880M XOF.
If you're leasing or purchasing, housing costs in Togo 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
| 33 | x94 monthly income | 197 |
Property prices in Togo can be x94 to x197 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x94 multiples of the average monthly salary in Togo.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Togo is around 29%. This means that people pay 29% of their income for rent. Those figures can range from 19% to 39% 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
27% 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.
| 800 XOF | 10,000 XOF | 100,000 XOF |
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 Togo
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Togo
Utility Bill Cost / Electricity + Water + Gas / Student
| 1,600 XOF | 11,000 XOF | 70,000 XOF |
Internet and cable cost
| 2,600 XOF | 5,300 XOF | 7,100 XOF |
Mobile phone bill and charges
| 2,100 XOF | 3,500 XOF | 11,000 XOF |
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 11,000 XOF. The cost of internet and WiFi ranges from 2,600 XOF to 7,100 XOF with 5,300 XOF being the average internet bill. Finally, the average monthly mobile charges is around 3,500 XOF but can range between 2,100 XOF and 11,000 XOF 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 Togo 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 Togo
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Togo
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
| 530 XOF | 1,100 XOF | 1,800 XOF |
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Togo is approximatly 1,100 XOF with meal cost ranging from 530 XOF to 1,800 XOF. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
| 1,800 XOF | 2,600 XOF | 5,300 XOF |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 1,800 XOF and 5,300 XOF with 2,600 XOF being the average price of a plate for one person at a regular restaurant in Togo.
Fine dining meal for one price
| 3,500 XOF | 5,300 XOF | 21,000 XOF |
The price range of a meal at fine-dining restaurant is 3,500 XOF to 21,000 XOF with the average cost being 5,300 XOF for one person. This is what you would expect to pay a top-tier diner in Togo.
Beverage prices, cappuccino, latte etc..
| 440 XOF | 710 XOF | 1,100 XOF |
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Togo is around 710 XOF. Price ranges between 440 XOF and 1,100 XOF 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 Togo is 420 XOF. The maximum what you would pay for milk is 530 XOF and the minimum being 350 XOF depending on the brand of milk and other properties.
12 eggs price
A dozen eggs costs around 350 XOF on average with 260 XOF and 530 XOF being the lower and upper limits respectively.
Fresh whole chicken price
| 600 XOF | 780 XOF | 1,100 XOF |
The price range of a fresh whole chicken in Togo is between 600 XOF and 1,100 XOF depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 780 XOF.
Pack of beef price
| 710 XOF | 1,100 XOF | 2,100 XOF |
The price of a regular pack of beef or meat is around 1,100 XOF. A pack of beef contains around 1Kg or 1lb depending on packing.
Medium bag of rice price
A bag of rice in Togo costs around 390 XOF on average with prices rangeing between 280 XOF and 550 XOF depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 110 XOF to 260 XOF. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
A bag of apples costs 250 XOF 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 Togo is around 27%. This means that students 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 students
Students' spending on grocery ranges from 8,000 XOF to 350,000 XOF with the location, income, and size of the student being the most determinite factors.
