Cost Of Living For a Student in Toshkent 2025

Average monthly spending for students in Toshkent

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

Students in Toshkent spend around 750,000 UZS per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 110,000 UZS or as high as 5M UZS. Location is a very important factor and has a huge influence on expenditure and budget.

How do students spend their money in Toshkent?

We asked thousands of students about their spending habits and expenditure break down.

Housing and accomodation expenditure for students

Students in Toshkent typically spend from 11% to 22% of their total monthly expenditure on housing with 16% being the average. The average monthly spend on housing is 180,000 UZS with expenditure ranging from 27,000 UZS to 1.2M UZS. This cost mainly goes for rent but it also includes other accommodation-related expenses.

Electricity, utilities, energy, water, internet, and mobile expenditure for students

Utility expenditure like electricity, water, and gas in Toshkent ranges from 5% to 11% of total expenses with 7% being the average for most students. The average monthly cost of utilities is 30,000 UZS with 4,500 UZS and 200,000 UZS being the upper and lower limits for a student of four.

Transport, fuel, and commute expenditure for students

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 7,900 UZS to 350,000 UZS in a month on commuting with 53,000 UZS 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

The average outlay on groceries and basic houshold items for a typical student in a month in Toshkent is 150,000 UZS. The cost of groceries can range between 22,000 UZS to 1M UZS. 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

Students in Toshkent 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 6,700 UZS to 300,000 UZS with 45,000 UZS being the norm for most students.

Leisure and shopping expenditure for students

This category mostly contains discretionary or non-essential expenses but also some non-discretionary spending like furniture for example. The monthly expenses range from 5,600 UZS to 250,000 UZS with 38,000 UZS being the average. Speaking of percentages, that equates to 1% to 6% of total expenses with an average of 2% for most students.

Education and schooling expenditure for students

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 140,000 UZS per month with 21,000 UZS being the minimum spent amount and 950,000 UZS being the maximum.

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

Affordable living in Toshkent

Income and cost of living compatibility

We asked students one simple question and recorded their answers.

Is it affordable or economical to live in Toshkent?

Around 47% of surveyed students think that living in Toshkent is affordable with proper budgeting while 53% reported that it is just too expensive and not affordable even with frugality and thriftness.

Low-cost alternatives in Toshkent

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 Toshkent 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.

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 Toshkent whether they have an emergency fund and the answers were as follows.

Yes46%

No54%

Based on the survey, 54% of the students living in Toshkent said that they don't have an emergency fund while 46% said that they do.

Financial Literacy in Uzbekistan

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 Toshkent 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 Uzbekistan have problems or difficulties in managing their expenditures and savings so we asked people one simple question: do you struggle with your personal finances? 56% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 44% said that they have everything under control.

Struggles with finance56%

Easily manages finances44%

Housing costs, accommodation, and housing affordability in Toshkent

Rent Cost in Toshkent

Monthly Rent Prices

Studio apartment monthly rent cost

120,000 UZS

180,000 UZS

480,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$9.6

$14

$38

1-bedroom apartment monthly rent cost

180,000 UZS

290,000 UZS

720,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$14

$23

$58

2-bedroom apartment monthly rent cost

240,000 UZS

360,000 UZS

960,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$19

$29

$77

3-bedroom apartment monthly rent cost

290,000 UZS

480,000 UZS

1.3M UZS

MINIMUM

AVERAGE

MAXIMUM

$23

$38

$100

Furnished apartment monthly rent cost

570,000 UZS

1.4M UZS

2.9M UZS

MINIMUM

AVERAGE

MAXIMUM

$46

$120

$230

Townhouse monthly rent cost

480,000 UZS

720,000 UZS

2.1M UZS

MINIMUM

AVERAGE

MAXIMUM

$38

$58

$160

House monthly rent cost

570,000 UZS

1.4M UZS

2.9M UZS

MINIMUM

AVERAGE

MAXIMUM

$46

$120

$230

Villa monthly rent cost

720,000 UZS

1.8M UZS

2.9M UZS

MINIMUM

AVERAGE

MAXIMUM

$58

$140

$230

The monthly rental cost of a studio apartment in Toshkent ranges between 120,000 UZS and 480,000 UZS, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 180,000 UZS to 720,000 UZS. Two-bedroom rentals rate ranges between 240,000 UZS and 960,000 UZS per month. The monthly rental for a three-bedroom apartment ranges from 290,000 UZS to 1.3M UZS. The average rent of a townhouse in Toshkent is around 720,000 UZS while house rental costs can be as high as 1.4M UZS per month. Finally, if you want to rent a villa, expect to pay anywhere from 720,000 UZS to 2.9M UZS per month.

Apartment and house prices in Toshkent

Cost of buying a property

Studio apartment price

24M UZS

36M UZS

72M UZS

MINIMUM

AVERAGE

MAXIMUM

$1,900

$2,900

$5,800

1-bedroom apartment price

29M UZS

48M UZS

180M UZS

MINIMUM

AVERAGE

MAXIMUM

$2,300

$3,800

$14,000

2-bedroom apartment price

48M UZS

140M UZS

290M UZS

MINIMUM

AVERAGE

MAXIMUM

$3,800

$12,000

$23,000

3-bedroom apartment price

160M UZS

240M UZS

720M UZS

MINIMUM

AVERAGE

MAXIMUM

$13,000

$19,000

$58,000

Townhouse price

210M UZS

480M UZS

1,800M UZS

MINIMUM

AVERAGE

MAXIMUM

$16,000

$38,000

$140,000

House price

240M UZS

1,400M UZS

2,100M UZS

MINIMUM

AVERAGE

MAXIMUM

$19,000

$120,000

$160,000

Villa price

290M UZS

1,600M UZS

2,400M UZS

MINIMUM

AVERAGE

MAXIMUM

$23,000

$130,000

$190,000

The average price of a studio apartment in Toshkent can range from 24M UZS to 72M UZS depending on location. One bedroom cost can be anywhere from 29M UZS to 180M UZS. A villa can cost you 1,600M UZS on average with prices ranging from 290M UZS to 2,400M UZS.

House / apartment prices to income ratio

Property prices in Toshkent can be x84 to x202 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x84 multiples of the average monthly salary in Toshkent.

Rent to income ratio

The average rent-to-income ratio in Toshkent is around 30%. This means that people pay 30% of their income for rent. Those figures can range from 20% to 41% depending on the salary, location, and type of property.

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.

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 Toshkent

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

Utility Bill Cost / Electricity + Water + Gas / Student

4,500 UZS

30,000 UZS

200,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.36

$2.4

$16

Internet and cable cost

6,500 UZS

13,000 UZS

17,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.52

$1

$1.4

Mobile phone bill and charges

5,200 UZS

8,700 UZS

26,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.42

$0.70

$2.1

The average monthly energy and water consumption of students is around 30,000 UZS. The cost of internet and WiFi ranges from 6,500 UZS to 17,000 UZS with 13,000 UZS being the average internet bill. Finally, the average monthly mobile charges is around 8,700 UZS but can range between 5,200 UZS and 26,000 UZS depending on consumption. Mobile charges include both calling minutes as well as data packages.

Energy / Utility expense to income ratio

The average utility-to-income ratio in Toshkent is around 7.6%. This means that people pay 7.6% of their income for energy, water, internet, and mobile charges. Those figures can range from 4.3% to 12% depending on salary and location.

Food Prices, Dining Expenses, and Grocery Costs in Toshkent

Prices and cost of goods and services in Toshkent

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

Fast food combo meal price

1,300 UZS

2,600 UZS

4,300 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.10

$0.21

$0.35

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Toshkent is approximatly 2,600 UZS with meal cost ranging from 1,300 UZS to 4,300 UZS. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

4,600 UZS

6,900 UZS

14,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.37

$0.55

$1.1

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 4,600 UZS and 14,000 UZS with 6,900 UZS being the average price of a plate for one person at a regular restaurant in Toshkent.

Fine dining meal for one price

9,100 UZS

14,000 UZS

55,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.73

$1.1

$4.4

The price range of a meal at fine-dining restaurant is 9,100 UZS to 55,000 UZS with the average cost being 14,000 UZS for one person. This is what you would expect to pay a top-tier diner in Toshkent.

Beverage prices, cappuccino, latte etc..

1,100 UZS

1,700 UZS

2,600 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.09

$0.14

$0.21

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Toshkent is around 1,700 UZS. Price ranges between 1,100 UZS and 2,600 UZS depending on the type of beverage, the size, and optional add-ons.

Grocery and market costs

Large bottle of milk price

870 UZS

1,000 UZS

1,300 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.07

$0.08

$0.10

The average price of a large bottle of milk in Toshkent is 1,000 UZS. The maximum what you would pay for milk is 1,300 UZS and the minimum being 870 UZS depending on the brand of milk and other properties.

12 eggs price

650 UZS

870 UZS

1,300 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.05

$0.07

$0.10

A dozen eggs costs around 870 UZS on average with 650 UZS and 1,300 UZS being the lower and upper limits respectively.

Fresh whole chicken price

1,500 UZS

1,900 UZS

2,700 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.12

$0.15

$0.22

The price range of a fresh whole chicken in Toshkent is between 1,500 UZS and 2,700 UZS depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 1,900 UZS.

Pack of beef price

1,700 UZS

2,600 UZS

5,200 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.14

$0.21

$0.42

The price of a regular pack of beef or meat is around 2,600 UZS. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

700 UZS

960 UZS

1,400 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.06

$0.08

$0.11

A bag of rice in Toshkent costs around 960 UZS on average with prices rangeing between 700 UZS and 1,400 UZS depending on the brand and quality.

Bag of tomatos price

260 UZS

350 UZS

650 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.02

$0.03

$0.05

A bag of tomatoes costs anywhere from 260 UZS to 650 UZS. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

470 UZS

610 UZS

1,000 UZS

MINIMUM

AVERAGE

MAXIMUM

$0.04

$0.05

$0.08

A bag of apples costs 610 UZS on average. A bag of apples denotes 1Kg or 1lb depending on location.

Grocery and food expenditure to income ratio

The average grocery-to-income ratio in Toshkent is around 30%. This means that students spend 30% of their income on grocery and basic household items. The expenditure can range from 22% to 37% depending on salary and location.

Expenditure on food and grocery for students