Cost Of Living For a Student in Uzbekistan 2024
Average Monthly Expenditure
Currency: UZS
Average monthly spending for students in Uzbekistan
How much money does a student need in a month to survive in Uzbekistan?
Students in Uzbekistan spend around 690,000 UZS per month on average. Depending on the lifestyle, a student can survive with a monthly budget as low as 100,000 UZS or as high as 4.6M UZS. Location is a very important factor and has a huge influence on expenditure and budget.
Prices and cost of goods and services in Uzbekistan
Dining, food, and beverages costs
Fast food combo meal
| 1,300 UZS | 2,600 UZS | 4,400 UZS |
Restaurant meal for one
| 4,400 UZS | 6,600 UZS | 13,000 UZS |
Fine dining meal for one
| 8,800 UZS | 13,000 UZS | 53,000 UZS |
Cappuccino or latte
| 1,100 UZS | 1,800 UZS | 2,600 UZS |
Grocery and market costs
Milk large bottle
| 880 UZS | 1,100 UZS | 1,300 UZS |
12 eggs
| 660 UZS | 880 UZS | 1,300 UZS |
Fresh whole chicken
| 1,500 UZS | 1,900 UZS | 2,800 UZS |
Pack of beef
| 1,800 UZS | 2,600 UZS | 5,300 UZS |
Medium bag of rice
| 710 UZS | 970 UZS | 1,400 UZS |
Bag of tomatos
Bag of apples
| 470 UZS | 620 UZS | 1,000 UZS |
Commute, travel, and transportation costs
20 minutes taxi ride
| 1,100 UZS | 1,300 UZS | 2,600 UZS |
Average car full tank
| 6,600 UZS | 8,800 UZS | 18,000 UZS |
Average car 1-day rental
| 6,600 UZS | 8,800 UZS | 13,000 UZS |
Average car price
| 3.3M UZS | 6.6M UZS | 8.8M UZS |
Bus ticket one way
Car Service
| 8,800 UZS | 13,000 UZS | 26,000 UZS |
Utility cost (monthly)
Utility Bill - Student
| 4,100 UZS | 28,000 UZS | 180,000 UZS |
Internet and cable
| 6,600 UZS | 13,000 UZS | 18,000 UZS |
Mobile phone charges
| 5,300 UZS | 8,800 UZS | 26,000 UZS |
Leisure and activities costs
Movie ticket
| 3,300 UZS | 4,400 UZS | 6,600 UZS |
One month gym membership
| 11,000 UZS | 13,000 UZS | 26,000 UZS |
Cloths and accessories costs
Pair of jeans or pants
| 7,800 UZS | 11,000 UZS | 17,000 UZS |
Woman dress
| 7,400 UZS | 10,000 UZS | 33,000 UZS |
Woman shoes
| 7,000 UZS | 9,500 UZS | 22,000 UZS |
Men's shoes
| 6,000 UZS | 7,400 UZS | 15,000 UZS |
Men suit
| 6,600 UZS | 8,300 UZS | 44,000 UZS |
Regular t-shirt
| 3,300 UZS | 4,400 UZS | 13,000 UZS |
Housing costs / monthly rent
Studio apartment
| 110,000 UZS | 170,000 UZS | 440,000 UZS |
1-bedroom apartment
| 170,000 UZS | 260,000 UZS | 660,000 UZS |
2-bedroom apartment
| 220,000 UZS | 330,000 UZS | 880,000 UZS |
Housing costs / Buying
Studio apartment
1-bedroom apartment
2-bedroom apartment
| 44M UZS | 130M UZS | 260M UZS |
Furniture Costs
King Size Bed
| 130,000 UZS | 170,000 UZS | 220,000 UZS |
Double Bed
| 88,000 UZS | 130,000 UZS | 170,000 UZS |
Single Bed
| 78,000 UZS | 100,000 UZS | 130,000 UZS |
Living Room
| 150,000 UZS | 190,000 UZS | 660,000 UZS |
Dining Table
| 66,000 UZS | 88,000 UZS | 170,000 UZS |
Sofa or Couch
| 88,000 UZS | 120,000 UZS | 260,000 UZS |
Electronics and House Appliance Costs
TV Set
| 88,000 UZS | 130,000 UZS | 260,000 UZS |
Fridge or Freezer
| 78,000 UZS | 120,000 UZS | 170,000 UZS |
Washing Machine
| 100,000 UZS | 150,000 UZS | 260,000 UZS |
Stove or Cooker
| 95,000 UZS | 120,000 UZS | 170,000 UZS |
Mobile Phone
| 110,000 UZS | 130,000 UZS | 190,000 UZS |
Laptop or Computer
| 120,000 UZS | 150,000 UZS | 260,000 UZS |
How do students spend their money in Uzbekistan?
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 | $2 25,000 UZS |
| AVERAGE | $13 170,000 UZS |
| HIGH | $89 1.1M UZS |
| Per Month |
Students in Uzbekistan 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 170,000 UZS with expenditure ranging from 25,000 UZS to 1.1M 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
Cost of utilities7%
7% of total expenses on average (5% to 11%)
| LOW | $0.33 4,100 UZS |
| AVERAGE | $2.2 28,000 UZS |
| HIGH | $15 180,000 UZS |
| Per Month |
Utility expenditure like electricity, water, and gas in Uzbekistan ranges from 5% to 11% of total expenses with 7% being the average for most students. The average monthly cost of utilities is 28,000 UZS with 4,100 UZS and 180,000 UZS being the upper and lower limits for a student of four.
Transport, fuel, and commute expenditure for students
Cost of transport and fuel3%
3% of total expenses on average (4% to 9%)
| LOW | $0.58 7,200 UZS |
| AVERAGE | $3.9 49,000 UZS |
| HIGH | $26 320,000 UZS |
| 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 7,200 UZS to 320,000 UZS in a month on commuting with 49,000 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
Food and Groceries Cost24%
24% of total expenses on average (18% to 28%)
| LOW | $1.7 21,000 UZS |
| AVERAGE | $11 140,000 UZS |
| HIGH | $74 920,000 UZS |
| Per Month |
The average outlay on groceries and basic houshold items for a typical student in a month in Uzbekistan is 140,000 UZS. The cost of groceries can range between 21,000 UZS to 920,000 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
Cost of healthcare10%
10% of total expenses on average (7% to 13%)
| LOW | $0.50 6,200 UZS |
| AVERAGE | $3.3 42,000 UZS |
| HIGH | $22 280,000 UZS |
| Per Month |
Students in Uzbekistan 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 6,200 UZS to 280,000 UZS with 42,000 UZS 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 | $0.41 5,200 UZS |
| AVERAGE | $2.8 35,000 UZS |
| HIGH | $19 230,000 UZS |
| 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 5,200 UZS to 230,000 UZS with 35,000 UZS 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 | $1.6 20,000 UZS |
| AVERAGE | $11 130,000 UZS |
| HIGH | $70 880,000 UZS |
| 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 130,000 UZS per month with 20,000 UZS being the minimum spent amount and 880,000 UZS being the maximum.
Other Expenses19%
19% of total expenses on average (13% to 25%)
| LOW | $1.2 16,000 UZS |
| AVERAGE | $8.3 100,000 UZS |
| HIGH | $56 690,000 UZS |
| 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 Uzbekistan
Income and cost of living compatibility
We asked students one simple question and recorded their answers.
Is it affordable or economical to live in Uzbekistan?
Around 43% of surveyed students think that living in Uzbekistan is affordable with proper budgeting while 57% reported that it is just too expensive and not affordable even with frugality and thriftness.
Low-cost alternatives in Uzbekistan
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 options54%
Few low-cost options46%
Based on the survey, 54% of the students living in Uzbekistan have no problem finding low-cost alternatives to support a frugal lifestyle while 46% 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 Uzbekistan whether they have an emergency fund and the answers were as follows.
Yes42%
No58%
Based on the survey, 58% of the students living in Uzbekistan said that they don't have an emergency fund while 42% 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 Uzbekistan 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 Uzbekistan
Rental costs and house/apartment prices can vary drastically between different areas and locations.
Rent Cost in Uzbekistan
Monthly Rent Prices
Studio apartment monthly rent cost
| 110,000 UZS | 170,000 UZS | 440,000 UZS |
1-bedroom apartment monthly rent cost
| 170,000 UZS | 260,000 UZS | 660,000 UZS |
2-bedroom apartment monthly rent cost
| 220,000 UZS | 330,000 UZS | 880,000 UZS |
3-bedroom apartment monthly rent cost
| 260,000 UZS | 440,000 UZS | 1.2M UZS |
Furnished apartment monthly rent cost
| 530,000 UZS | 1.3M UZS | 2.6M UZS |
Townhouse monthly rent cost
| 440,000 UZS | 660,000 UZS | 1.9M UZS |
House monthly rent cost
| 530,000 UZS | 1.3M UZS | 2.6M UZS |
Villa monthly rent cost
| 660,000 UZS | 1.7M UZS | 2.6M UZS |
The monthly rental cost of a studio apartment in Uzbekistan ranges between 110,000 UZS and 440,000 UZS, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 170,000 UZS to 660,000 UZS. Two-bedroom rentals rate ranges between 220,000 UZS and 880,000 UZS per month. The monthly rental for a three-bedroom apartment ranges from 260,000 UZS to 1.2M UZS. The average rent of a townhouse in Uzbekistan is around 660,000 UZS while house rental costs can be as high as 1.3M UZS per month. Finally, if you want to rent a villa, expect to pay anywhere from 660,000 UZS to 2.6M UZS per month.
Apartment and house prices in Uzbekistan
Cost of buying a property
Studio apartment price
1-bedroom apartment price
2-bedroom apartment price
| 44M UZS | 130M UZS | 260M UZS |
3-bedroom apartment price
| 150M UZS | 220M UZS | 660M UZS |
Townhouse price
| 190M UZS | 440M UZS | 1,700M UZS |
House price
| 220M UZS | 1,300M UZS | 1,900M UZS |
| $18,000 | $110,000 | $150,000 |
Villa price
| 260M UZS | 1,500M UZS | 2,200M UZS |
| $21,000 | $120,000 | $180,000 |
The average price of a studio apartment in Uzbekistan can range from 22M UZS to 66M UZS depending on location. One bedroom cost can be anywhere from 26M UZS to 170M UZS. A villa can cost you 1,500M UZS on average with prices ranging from 260M UZS to 2,200M UZS.
If you're leasing or purchasing, housing costs in Uzbekistan 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
| 28 | x77 monthly income | 186 |
Property prices in Uzbekistan can be x77 to x186 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x77 multiples of the average monthly salary in Uzbekistan.
Rent to income ratio
Rent to income ratio
( monthly rental / monthly income ) x 100
The average rent-to-income ratio in Uzbekistan 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.
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.
| 2,100 UZS | 27,000 UZS | 270,000 UZS |
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 Uzbekistan
Utilities expenditure can vary slightly between different areas and locations.
Energy, electricity, water, gas, internet, and mobile cost in Uzbekistan
Utility Bill Cost / Electricity + Water + Gas / Student
| 4,100 UZS | 28,000 UZS | 180,000 UZS |
Internet and cable cost
| 6,600 UZS | 13,000 UZS | 18,000 UZS |
Mobile phone bill and charges
| 5,300 UZS | 8,800 UZS | 26,000 UZS |
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 28,000 UZS. The cost of internet and WiFi ranges from 6,600 UZS to 18,000 UZS with 13,000 UZS being the average internet bill. Finally, the average monthly mobile charges is around 8,800 UZS but can range between 5,300 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
( monthly utility expenses / monthly income ) x 100
The average utility-to-income ratio in Uzbekistan 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.
Food Prices, Dining Expenses, and Grocery Costs in Uzbekistan
Grocery / Food expenditure and prices can vary drastically between different areas and locations.
Prices and cost of goods and services in Uzbekistan
Dining out, food, and beverages costs. Price variations for common food items.
Fast food combo meal price
| 1,300 UZS | 2,600 UZS | 4,400 UZS |
The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Uzbekistan is approximatly 2,600 UZS with meal cost ranging from 1,300 UZS to 4,400 UZS. The typical combo meal consists of a burger, french fries, and a drink.
Restaurant meal for one price
| 4,400 UZS | 6,600 UZS | 13,000 UZS |
If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 4,400 UZS and 13,000 UZS with 6,600 UZS being the average price of a plate for one person at a regular restaurant in Uzbekistan.
Fine dining meal for one price
| 8,800 UZS | 13,000 UZS | 53,000 UZS |
The price range of a meal at fine-dining restaurant is 8,800 UZS to 53,000 UZS with the average cost being 13,000 UZS for one person. This is what you would expect to pay a top-tier diner in Uzbekistan.
Beverage prices, cappuccino, latte etc..
| 1,100 UZS | 1,800 UZS | 2,600 UZS |
The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Uzbekistan is around 1,800 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
| 880 UZS | 1,100 UZS | 1,300 UZS |
The average price of a large bottle of milk in Uzbekistan is 1,100 UZS. The maximum what you would pay for milk is 1,300 UZS and the minimum being 880 UZS depending on the brand of milk and other properties.
12 eggs price
| 660 UZS | 880 UZS | 1,300 UZS |
A dozen eggs costs around 880 UZS on average with 660 UZS and 1,300 UZS being the lower and upper limits respectively.
Fresh whole chicken price
| 1,500 UZS | 1,900 UZS | 2,800 UZS |
The price range of a fresh whole chicken in Uzbekistan is between 1,500 UZS and 2,800 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
| 1,800 UZS | 2,600 UZS | 5,300 UZS |
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
| 710 UZS | 970 UZS | 1,400 UZS |
A bag of rice in Uzbekistan costs around 970 UZS on average with prices rangeing between 710 UZS and 1,400 UZS depending on the brand and quality.
Bag of tomatos price
A bag of tomatoes costs anywhere from 260 UZS to 660 UZS. A bag of tomatoes denotes 1Kg or 1lb depending on location.
Bag of apples price
| 470 UZS | 620 UZS | 1,000 UZS |
A bag of apples costs 620 UZS 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 Uzbekistan is around 28%. This means that students spend 28% of their income on grocery and basic household items. The expenditure can range from 20% to 34% depending on salary and location.
Expenditure on food and grocery for students
Students' spending on grocery ranges from 21,000 UZS to 920,000 UZS with the location, income, and size of the student being the most determinite factors.
