Cost Of Living in Tbilisi 2025

cost of living chart - average monthly expenditure in Tbilisi

Average monthly spending for singles, couples, students, and families in Tbilisi

Whether you're living in Tbilisi or planning to move there, it is very important to know the cost of living and the prices of things. Here we list the average spending for the four main population groups.

Average Monthly Expenditure

Currency: GEL
660 6,600 99,000
MINIMUM AVERAGE MAXIMUM
$250 $2,500 $37,000

Monthly Expenditure ▶ Single

Currency: GEL
860 6,100 68,000
MINIMUM AVERAGE MAXIMUM
$330 $2,300 $25,000

Monthly Expenditure ▶ Couple

Currency: GEL
1,400 9,000 83,000
MINIMUM AVERAGE MAXIMUM
$520 $3,400 $31,000

Monthly Expenditure ▶ Family

Currency: GEL
2,100 11,000 110,000
MINIMUM AVERAGE MAXIMUM
$800 $4,000 $40,000

Monthly Expenditure ▶ Student

Currency: GEL
660 4,300 48,000
MINIMUM AVERAGE MAXIMUM
$250 $1,600 $18,000
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.

Singles

The average monthly expense for a single person living in Tbilisi is 6,100 GEL. Expenses can range from 860 GEL at the minimum level to 68,000 GEL at the highest end.


Couples

The average monthly spending of couples in Tbilisi is 9,000 GEL. Expenditure can range from 1,400 GEL to 83,000 GEL per month.


Families

The average cost of living for families in Tbilisi is 11,000 GEL per month. Families spend anywhere from 2,100 GEL to 110,000 GEL.


Students

The average monthly expenditure for students in Tbilisi is 4,300 GEL. Students spend from 660 GEL to 48,000 GEL per month.


Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.

Expenditure to Income Ratio in Tbilisi

One of the most definite ways to determine how affordable a place is measuring the ratio of expenses to salary. A high expense-to-income to ratio indicates a high cost-of-living index while a low expenditure-to-salary ratio means the place is affordable to live in.

Cost of living and expenditure to income ratio in Tbilisi

Spending to Income Ratio

94%

84% to 100%

( expenditure / income ) x 100


Expense to income distribution levels

Spending To Income Ratio% People
< 50%5%
50% - 60%10%
60% - 70%17%
70% - 80%26%
80% - 90%17%
90% - 100%10%
100% - 110%5%
110% - 120%3%
120% - 130%2%
130% - 140%2%
> 140%1%

Interpretation and Analysis

The average spending-to-salary ratio in Tbilisi is 94% This means that on average, people spend around 94% of their income for living. According to the distribution table, 17% of the population spend approximately 60% to 70% of their income every month.


How can spending be more than income?

A value higher than 100% means that the expenditure of those people is higher than their income. They are spending more than what they earn. This is possible in two scenarios. They are either borrowing from their savings to survive or they are borrowing from other sources (relatives, friends, banks, etc.). More about this in the debt section.



Individual
87%
Spending-Income-Ratio
77%
96%

Couple
94%
Spending-Income-Ratio
83%
100%

Family
96%
Spending-Income-Ratio
86%
110%
Percentage of people who manage to save money from their income every month in Tbilisi

How much money can you save in Tbilisi every month?

We asked thousands of people what percentage of their income can they save in a month. Below are the answers.


What percentage of people in Tbilisi manage to save money from their income every month?


Saving Money
78%
Not Saving
22%

Almost 78% of the surveyed people in Tbilisi said that they can save some money at the end of each month while 22% said that aren't saving anything.


Percentage of people saving money by population group in Tbilisi

GroupSaversNon Savers
Singles78%22%
Couples76%24%
Families67%33%

Savings-to-Income Ratio

The savings-to-income ratio is measured as the percentage of income that people save over a specific period and it is simply calculated by dividing the saved money by total income and then multiplying the result by 100. (Savings / Income) x 100.


Savings to income ratio in Tbilisi

Saving to Income Ratio

16% 27% of income 40%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

270 GEL
$100
2,700 GEL
$1,000
41,000 GEL
$15,000
MINIMUM AVERAGE MAXIMUM

For most people, 16% to 40% of their monthly income is what they can allocate to their savings, with 27% being the average. The amount of money that people can save is approximately 2,700 GEL on average with savings ranging from 270 GEL to 41,000 GEL.

78% of surveyed singles reported some of their income going to savings while 76% of couples said the same. 67% of families confirmed their ability to save money.


How much money do people actually save in Tbilisi?

The amount of money that people can afford to save depends hugely on their income. It is better to focus on the percentage when trying to understand saving patterns.


Singles

Saving to Income Ratio

20% 32% of income 42%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

260 GEL
$98
2,400 GEL
$890
26,000 GEL
$9,800
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for singles

Saving To Income Ratio% Singles
0% - 10%30%
10% - 20%24%
20% - 30%16%
30% - 40%15%
40% - 50%11%
> 50%4%

Interpretation and Analysis

Singles who can afford to save reported that they allocate from 20% to 42% of their monthly income to savings, with 32% being the average for most singles. The average amount of money that singles are able to save is 2,400 GEL with 260 GEL and 26,000 GEL being the minimum and maximum respectively.


Couples

Saving to Income Ratio

18% 30% of income 42%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

530 GEL
$200
3,500 GEL
$1,300
32,000 GEL
$12,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for couples

Saving To Income Ratio% Couples
0% - 10%34%
10% - 20%26%
20% - 30%19%
30% - 40%10%
40% - 50%8%
> 50%3%

Interpretation and Analysis

Couples who confirmed their ability to save reported saving equivalent to 18% to 42% of their monthly income, with 30% being the average for most couples. The average amount of money that couples can save is 3,500 GEL with 530 GEL and 32,000 GEL being the minimum and maximum respectively.


Families

Saving to Income Ratio

15% 24% of income 35%
MINIMUM AVERAGE MAXIMUM

Average Monthly Saved Amount

820 GEL
$310
4,100 GEL
$1,500
41,000 GEL
$15,000
MINIMUM AVERAGE MAXIMUM

Savings to income distribution levels for families

Saving To Income Ratio% Families
0% - 10%37%
10% - 20%29%
20% - 30%20%
30% - 40%7%
40% - 50%5%
> 50%2%

Interpretation and Analysis

Families in Tbilisi can save anywhere between 15% to 35% of their monthly income, with 24% being the average for most families. The average amount of money that families can put aside is 4,100 GEL with 820 GEL and 41,000 GEL being the minimum and maximum respectively.

Reasons that make it difficult for people to save money in Tbilisi

Saving Challenges in Tbilisi

Reasons that make it difficult for people to save money

We wanted to understand what is stopping people from maximizing their savings in Tbilisi. Listed below are the answers given by the survey participants.


Reason% People
Low Income6%
High Expenses9%
Debt and Loans16%
Lack of Budgeting Skills11%
Impulsive Spending10%
Financial Emergencies6%
Living the moment6%
Will do it later18%
Inflation12%
Social Pressure3%
Market Instability3%

Around 6% of the people said that their salary is too low to accommodate a portion for savings while 9% said that the high cost of living leaves little room for savings. 16% of the residents said that they are burdened with debt and find it challenging to save money. 11% reported that they just don't have the knowledge or discipline to create and stick to a budget, leading to overspending and an inability to save. 10% blamed impulsive spending as the reason for saving inability. Around 6% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 6% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 18% reported that they understand the value of saving but are putting off saving for the future, thinking they have plenty of time to start later. 12% blamed inflation, saying that every time they save some money they end up using it immediately. A surprising 3% said that social pressure and keeping up with peers or social expectations makes them overspend. Lastly, 3% blamed market instability and price fluctuations.

Financial goals and targets of people living in Tbilisi

Financial goals of people in Tbilisi

In an attempt to understand the economic situation in Tbilisi, we asked participants about their financial targets. By knowing what the population in general is trying to achieve, we can shed light on the economic outlook, cost of living, and quality of life in general.


Financial Goal% People
Emergency Fund7%
Debt Reduction36%
Retirement Savings9%
Education Funding8%
Homeownership17%
Investing8%
Travel or Lifestyle9%
Healthcare Expenses11%
Financial Independence7%

Around 7% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 36% said their number one priority is to pay off high-interest debt or loans and improve credit. 9% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 8% reported that their priority is saving for the tuition fees and education costs of their children while 17% choose to buy a home or pay off existing mortgage before other things. 8% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 9% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 11% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.

Monthly costs and expenses of energy and basic utilities in Tbilisi

Utilities expenditure can vary slightly between different areas and locations.


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

Utility Bill Cost / Electricity + Water + Gas / Individual

45 GEL 320 GEL 3,500 GEL
MINIMUM AVERAGE MAXIMUM
$17 $120 $1,300

Utility Bill Cost / Electricity + Water + Gas / Couple

47 GEL 340 GEL 3,900 GEL
MINIMUM AVERAGE MAXIMUM
$18 $130 $1,500

Utility Bill Cost / Electricity + Water + Gas / Family

88 GEL 440 GEL 4,400 GEL
MINIMUM AVERAGE MAXIMUM
$33 $170 $1,700

Internet and cable cost

42 GEL 83 GEL 110 GEL
MINIMUM AVERAGE MAXIMUM
$16 $31 $42

Mobile phone bill and charges

27 GEL 45 GEL 140 GEL
MINIMUM AVERAGE MAXIMUM
$10 $17 $51

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 expenditure for individuals on electricty, water, and gas in Tbilisi ranges between 45 GEL and 3,500 GEL with average being 320 GEL, meanwhile the expenditure of couples is slightly higher at 340 GEL with 47 GEL and 3,900 GEL being the upper and lower limits respectively. As expected, the energy and water consumption of families is the highest among the three groups with an average of 440 GEL. The cost of internet and WiFi is unchanged among the three groups and ranges from 42 GEL to 110 GEL with 83 GEL being the average internet bill. Finally, the average monthly mobile charges is around 45 GEL but can range between 27 GEL and 140 GEL 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


2.4% 5.9% of income 11%
MINIMUM AVERAGE MAXIMUM

The average utility-to-income ratio in Tbilisi is around 5.9%. This means that people pay 5.9% of their income for energy, water, internet, and mobile charges. Those figures can range from 2.4% 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 Tbilisi

Housing costs, accommodation, and housing affordability in Tbilisi

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


Rent Cost in Tbilisi

Monthly Rent Prices

Studio apartment monthly rent cost

760 GEL 1,100 GEL 3,100 GEL
MINIMUM AVERAGE MAXIMUM
$290 $430 $1,100

1-bedroom apartment monthly rent cost

1,200 GEL 1,900 GEL 4,700 GEL
MINIMUM AVERAGE MAXIMUM
$440 $710 $1,800

2-bedroom apartment monthly rent cost

1,600 GEL 2,400 GEL 6,400 GEL
MINIMUM AVERAGE MAXIMUM
$600 $900 $2,400

3-bedroom apartment monthly rent cost

2,000 GEL 3,300 GEL 8,900 GEL
MINIMUM AVERAGE MAXIMUM
$740 $1,200 $3,400

Furnished apartment monthly rent cost

3,800 GEL 9,400 GEL 19,000 GEL
MINIMUM AVERAGE MAXIMUM
$1,400 $3,500 $7,100

Townhouse monthly rent cost

3,100 GEL 4,600 GEL 13,000 GEL
MINIMUM AVERAGE MAXIMUM
$1,200 $1,700 $4,900

House monthly rent cost

3,800 GEL 9,400 GEL 19,000 GEL
MINIMUM AVERAGE MAXIMUM
$1,400 $3,500 $7,100

Villa monthly rent cost

4,600 GEL 11,000 GEL 18,000 GEL
MINIMUM AVERAGE MAXIMUM
$1,700 $4,300 $6,900

The monthly rental cost of a studio apartment in Tbilisi ranges between 760 GEL and 3,100 GEL, meanwhile the cost of monthly rental of a one-bedroom apartment can be anywhere from 1,200 GEL to 4,700 GEL. Two-bedroom rentals rate ranges between 1,600 GEL and 6,400 GEL per month. The monthly rental for a three-bedroom apartment ranges from 2,000 GEL to 8,900 GEL. The average rent of a townhouse in Tbilisi is around 4,600 GEL while house rental costs can be as high as 9,400 GEL per month. Finally, if you want to rent a villa, expect to pay anywhere from 4,600 GEL to 18,000 GEL per month.



Apartment and house prices in Tbilisi

Cost of buying a property

Studio apartment price

160,000 GEL 240,000 GEL 480,000 GEL
MINIMUM AVERAGE MAXIMUM
$60,000 $90,000 $180,000

1-bedroom apartment price

200,000 GEL 330,000 GEL 1.2M GEL
MINIMUM AVERAGE MAXIMUM
$74,000 $120,000 $460,000

2-bedroom apartment price

310,000 GEL 920,000 GEL 1.8M GEL
MINIMUM AVERAGE MAXIMUM
$110,000 $340,000 $690,000

3-bedroom apartment price

1M GEL 1.6M GEL 4.7M GEL
MINIMUM AVERAGE MAXIMUM
$390,000 $590,000 $1.8M

Townhouse price

1.4M GEL 3.2M GEL 12M GEL
MINIMUM AVERAGE MAXIMUM
$520,000 $1.2M $4.5M

House price

1.6M GEL 9.9M GEL 14M GEL
MINIMUM AVERAGE MAXIMUM
$620,000 $3.7M $5.3M

Villa price

2M GEL 11M GEL 16M GEL
MINIMUM AVERAGE MAXIMUM
$740,000 $4.1M $6.2M

The average price of a studio apartment in Tbilisi can range from 160,000 GEL to 480,000 GEL depending on location. One bedroom cost can be anywhere from 200,000 GEL to 1.2M GEL. A villa can cost you 11M GEL on average with prices ranging from 2M GEL to 16M GEL.


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


61 x181 monthly income 299
MINIMUM AVERAGE MAXIMUM

Property prices in Tbilisi can be x181 to x299 multiples of the monthly income depending on the property and the income of the person. On average, property prices are approximately x181 multiples of the average monthly salary in Tbilisi.



Rent to income ratio


Rent to income ratio

( monthly rental / monthly income ) x 100


28% 40% of income 52%
MINIMUM AVERAGE MAXIMUM

The average rent-to-income ratio in Tbilisi is around 40%. This means that people pay 40% of their income for rent. Those figures can range from 28% to 52% 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
31%

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
2.3%
AVERAGE
3.3%
TO
4.3%

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.


13 GEL 130 GEL 2,000 GEL
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.

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.

Emergency Funds

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

Yes74%

No26%


Based on the survey, 26% of the people living in Tbilisi said that they don't have an emergency fund while 74% said that they do.

Retirement, pension plans, and life after work in Tbilisi

What does the retirement lifestyle look like in Tbilisi and how much retirement savings are required?

Retirement age

The retirement age for most employees in is 65 years. Specific retirement ages can vary based on factors like occupation, gender, years of contribution, and location. It is not entirely unlikely for people to retire either before or after this age.

Retirement planning and savings

There are many retirement saving options, some are personally initiated and others are government-sponsered. Regardless of the source of savings, the minimum amount of money that needs to be put aside to ensure a peaceful and comfortable retirement at each age can be found in the table below. This data is largely approximated and can vary drastically based on individual needs and situations. Treat these figures as a general guideline.


The typical saved amount of money you should have at every age as multiples of monthly salary:
AgeAmount
255x monthly salary at age 25
3010x monthly salary at age 30
3515x monthly salary at age 35
4025x monthly salary at age 40
4532x monthly salary at age 45
5048x monthly salary at age 50
5556x monthly salary at age 55
6064x monthly salary at age 60
6578x monthly salary at age 65

The typical average saved amount of money you should have at every age in Tbilisi:
AgeAmount
2515,000 GEL
3031,000 GEL
3556,000 GEL
4082,000 GEL
45110,000 GEL
50160,000 GEL
55200,000 GEL
60250,000 GEL
65280,000 GEL

Retirement Income Distribution

We asked residents about their retirement income sources and below are the results.

Source% People
Pensions13%
Savings22%
Investments13%
Social Security8%
Annuities8%
Part-time Job12%
Real Estate17%
Dividends and Interest8%

Retirement Monthly Expenses in Tbilisi

490 GEL
$180
4,400 GEL
$1,700
49,000 GEL
$18,000
MINIMUM AVERAGE MAXIMUM

Prices and cost of goods and services in Tbilisi

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

Dining, food, and beverages costs


Fast food combo meal

7.9 GEL 16 GEL 26 GEL
MINIMUM AVERAGE MAXIMUM
$3 $6 $10

Restaurant meal for one

28 GEL 41 GEL 83 GEL
MINIMUM AVERAGE MAXIMUM
$10 $16 $31

Fine dining meal for one

53 GEL 79 GEL 320 GEL
MINIMUM AVERAGE MAXIMUM
$20 $30 $120

Cappuccino or latte

6.8 GEL 11 GEL 16 GEL
MINIMUM AVERAGE MAXIMUM
$2.6 $4.1 $6.1

Grocery and market costs


Milk large bottle

5.5 GEL 6.6 GEL 8.3 GEL
MINIMUM AVERAGE MAXIMUM
$2.1 $2.5 $3.1

12 eggs

3.9 GEL 5.3 GEL 7.9 GEL
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3

Fresh whole chicken

9.5 GEL 12 GEL 17 GEL
MINIMUM AVERAGE MAXIMUM
$3.6 $4.6 $6.5

Pack of beef

11 GEL 17 GEL 34 GEL
MINIMUM AVERAGE MAXIMUM
$4.3 $6.5 $13

Medium bag of rice

4.2 GEL 5.7 GEL 8.1 GEL
MINIMUM AVERAGE MAXIMUM
$1.6 $2.2 $3.1

Bag of tomatos

1.6 GEL 2.1 GEL 4 GEL
MINIMUM AVERAGE MAXIMUM
$0.60 $0.80 $1.5

Bag of apples

2.9 GEL 3.8 GEL 6.2 GEL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.4 $2.3
Chart showing the prices and cost of commute, travel, and transportation in Tbilisi

Commute, travel, and transportation costs


20 minutes taxi ride

6.9 GEL 8.3 GEL 17 GEL
MINIMUM AVERAGE MAXIMUM
$2.6 $3.1 $6.3

Average car full tank

40 GEL 53 GEL 110 GEL
MINIMUM AVERAGE MAXIMUM
$15 $20 $40

Average car 1-day rental

37 GEL 49 GEL 74 GEL
MINIMUM AVERAGE MAXIMUM
$14 $19 $28

Average car price

19,000 GEL 38,000 GEL 51,000 GEL
MINIMUM AVERAGE MAXIMUM
$7,200 $14,000 $19,000

Bus ticket one way

1.3 GEL 1.9 GEL 3.8 GEL
MINIMUM AVERAGE MAXIMUM
$0.47 $0.71 $1.4

Car Service

52 GEL 77 GEL 150 GEL
MINIMUM AVERAGE MAXIMUM
$19 $29 $58
Chart showing the prices and cost of utility, energy, water, and gas in Tbilisi

Utility cost (monthly)


Utility Bill - Individual

45 GEL 320 GEL 3,500 GEL
MINIMUM AVERAGE MAXIMUM
$17 $120 $1,300

Utility Bill - Couple

47 GEL 340 GEL 3,900 GEL
MINIMUM AVERAGE MAXIMUM
$18 $130 $1,500

Utility Bill - Family

88 GEL 440 GEL 4,400 GEL
MINIMUM AVERAGE MAXIMUM
$33 $170 $1,700

Internet and cable

42 GEL 83 GEL 110 GEL
MINIMUM AVERAGE MAXIMUM
$16 $31 $42

Mobile phone charges

27 GEL 45 GEL 140 GEL
MINIMUM AVERAGE MAXIMUM
$10 $17 $51

Leisure and activities costs


Movie ticket

18 GEL 24 GEL 35 GEL
MINIMUM AVERAGE MAXIMUM
$6.7 $8.9 $13

One month gym membership

65 GEL 81 GEL 160 GEL
MINIMUM AVERAGE MAXIMUM
$24 $31 $61
Chart showing the prices and cost of clothing and accessories in Tbilisi

Cloths and accessories costs


Pair of jeans or pants

49 GEL 69 GEL 100 GEL
MINIMUM AVERAGE MAXIMUM
$18 $26 $39

Woman dress

47 GEL 66 GEL 210 GEL
MINIMUM AVERAGE MAXIMUM
$18 $25 $80

Woman shoes

42 GEL 57 GEL 130 GEL
MINIMUM AVERAGE MAXIMUM
$16 $21 $50

Men's shoes

37 GEL 45 GEL 90 GEL
MINIMUM AVERAGE MAXIMUM
$14 $17 $34

Men suit

42 GEL 52 GEL 280 GEL
MINIMUM AVERAGE MAXIMUM
$16 $20 $100

Regular t-shirt

21 GEL 28 GEL 85 GEL
MINIMUM AVERAGE MAXIMUM
$8 $11 $32
Chart showing the prices and cost of housing, accommodation, and rent in Tbilisi

Housing costs / monthly rent


Studio apartment

760 GEL 1,100 GEL 3,100 GEL
MINIMUM AVERAGE MAXIMUM
$290 $430 $1,100

1-bedroom apartment

1,200 GEL 1,900 GEL 4,700 GEL
MINIMUM AVERAGE MAXIMUM
$440 $710 $1,800

2-bedroom apartment

1,600 GEL 2,400 GEL 6,400 GEL
MINIMUM AVERAGE MAXIMUM
$600 $900 $2,400

Housing costs / Buying


Studio apartment

160,000 GEL 240,000 GEL 480,000 GEL
MINIMUM AVERAGE MAXIMUM
$60,000 $90,000 $180,000

1-bedroom apartment

200,000 GEL 330,000 GEL 1.2M GEL
MINIMUM AVERAGE MAXIMUM
$74,000 $120,000 $460,000

2-bedroom apartment

310,000 GEL 920,000 GEL 1.8M GEL
MINIMUM AVERAGE MAXIMUM
$110,000 $340,000 $690,000
Chart showing the prices and cost of furniture in Tbilisi

Furniture Costs


King Size Bed

790 GEL 980 GEL 1,300 GEL
MINIMUM AVERAGE MAXIMUM
$300 $370 $490

Double Bed

540 GEL 810 GEL 1,000 GEL
MINIMUM AVERAGE MAXIMUM
$200 $300 $380

Single Bed

490 GEL 630 GEL 820 GEL
MINIMUM AVERAGE MAXIMUM
$180 $240 $310

Living Room

940 GEL 1,200 GEL 4,200 GEL
MINIMUM AVERAGE MAXIMUM
$350 $450 $1,600

Dining Table

390 GEL 520 GEL 980 GEL
MINIMUM AVERAGE MAXIMUM
$150 $200 $370

Sofa or Couch

540 GEL 730 GEL 1,600 GEL
MINIMUM AVERAGE MAXIMUM
$200 $280 $610
Chart showing the prices and cost of electronic devices and appliances in Tbilisi

Electronics and House Appliance Costs


TV Set

540 GEL 810 GEL 1,600 GEL
MINIMUM AVERAGE MAXIMUM
$200 $300 $610

Fridge or Freezer

490 GEL 750 GEL 1,000 GEL
MINIMUM AVERAGE MAXIMUM
$180 $280 $390

Washing Machine

590 GEL 860 GEL 1,500 GEL
MINIMUM AVERAGE MAXIMUM
$220 $320 $580

Stove or Cooker

560 GEL 720 GEL 990 GEL
MINIMUM AVERAGE MAXIMUM
$210 $270 $370

Mobile Phone

670 GEL 810 GEL 1,200 GEL
MINIMUM AVERAGE MAXIMUM
$250 $300 $440

Laptop or Computer

750 GEL 920 GEL 1,700 GEL
MINIMUM AVERAGE MAXIMUM
$280 $350 $620

Food Prices, Dining Expenses, and Grocery Costs in Tbilisi

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


Prices and cost of goods and services in Tbilisi

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

Fast food combo meal price

7.9 GEL 16 GEL 26 GEL
MINIMUM AVERAGE MAXIMUM
$3 $6 $10

The average price of a regular combo meal at a fast food outlet or chain like McDonald's, Pizzahut, or KFC in Tbilisi is approximatly 16 GEL with meal cost ranging from 7.9 GEL to 26 GEL. The typical combo meal consists of a burger, french fries, and a drink.

Restaurant meal for one price

28 GEL 41 GEL 83 GEL
MINIMUM AVERAGE MAXIMUM
$10 $16 $31

If you are planning to have a nice meal at a mid-range restaurant, expect to pay anywhere between 28 GEL and 83 GEL with 41 GEL being the average price of a plate for one person at a regular restaurant in Tbilisi.

Fine dining meal for one price

53 GEL 79 GEL 320 GEL
MINIMUM AVERAGE MAXIMUM
$20 $30 $120

The price range of a meal at fine-dining restaurant is 53 GEL to 320 GEL with the average cost being 79 GEL for one person. This is what you would expect to pay a top-tier diner in Tbilisi.

Beverage prices, cappuccino, latte etc..

6.8 GEL 11 GEL 16 GEL
MINIMUM AVERAGE MAXIMUM
$2.6 $4.1 $6.1

The average price of a regular beverage like cappuccino or latte at Starbucks, Costa, or similar coffee shops and cafes in Tbilisi is around 11 GEL. Price ranges between 6.8 GEL and 16 GEL depending on the type of beverage, the size, and optional add-ons.



Grocery and market costs

Large bottle of milk price

5.5 GEL 6.6 GEL 8.3 GEL
MINIMUM AVERAGE MAXIMUM
$2.1 $2.5 $3.1

The average price of a large bottle of milk in Tbilisi is 6.6 GEL. The maximum what you would pay for milk is 8.3 GEL and the minimum being 5.5 GEL depending on the brand of milk and other properties.

12 eggs price

3.9 GEL 5.3 GEL 7.9 GEL
MINIMUM AVERAGE MAXIMUM
$1.5 $2 $3

A dozen eggs costs around 5.3 GEL on average with 3.9 GEL and 7.9 GEL being the lower and upper limits respectively.

Fresh whole chicken price

9.5 GEL 12 GEL 17 GEL
MINIMUM AVERAGE MAXIMUM
$3.6 $4.6 $6.5

The price range of a fresh whole chicken in Tbilisi is between 9.5 GEL and 17 GEL depending on the size of the chicken and whether it is oraganic or not. The average price is approximatly 12 GEL.

Pack of beef price

11 GEL 17 GEL 34 GEL
MINIMUM AVERAGE MAXIMUM
$4.3 $6.5 $13

The price of a regular pack of beef or meat is around 17 GEL. A pack of beef contains around 1Kg or 1lb depending on packing.

Medium bag of rice price

4.2 GEL 5.7 GEL 8.1 GEL
MINIMUM AVERAGE MAXIMUM
$1.6 $2.2 $3.1

A bag of rice in Tbilisi costs around 5.7 GEL on average with prices rangeing between 4.2 GEL and 8.1 GEL depending on the brand and quality.

Bag of tomatos price

1.6 GEL 2.1 GEL 4 GEL
MINIMUM AVERAGE MAXIMUM
$0.60 $0.80 $1.5

A bag of tomatoes costs anywhere from 1.6 GEL to 4 GEL. A bag of tomatoes denotes 1Kg or 1lb depending on location.

Bag of apples price

2.9 GEL 3.8 GEL 6.2 GEL
MINIMUM AVERAGE MAXIMUM
$1.1 $1.4 $2.3

A bag of apples costs 3.8 GEL 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


20% 29% of income 36%
MINIMUM AVERAGE MAXIMUM

The average grocery-to-income ratio in Tbilisi is around 29%. This means that people spend 29% of their income on grocery and basic household items. The expenditure can range from 20% to 36% depending on salary and location.


Expenditure on food and grocery for every population group

A single person living alone spends approximately 890 GEL per month on grocery and food with expenditure fluctuating between 130 GEL and 9,900 GEL depending on location and the type of person. The average cost of food and groceries for a couple is around 1,100 GEL per month. That number can be get as low as 170 GEL or a high as 10,000 GEL. Families' spending on grocery ranges from 330 GEL to 17,000 GEL with the location, income, and size of the family being the most determinite factors.

Where do people choose to put their savings in Tbilisi

Typical saving choices for people in Tbilisi

Where do people choose to put their savings?


Saving Type% People
Emergency Funds11%
Gold11%
Savings Accounts17%
Retirement Accounts11%
Cash Savings18%
Real Estate10%
Investment6%
Stocks5%
Bonds6%
Mutual Funds3%
Certificates of Deposit3%
Income and cost of living compatibility. Is it affordable or economical to live in Tbilisi

Affordable living in Tbilisi

Income and cost of living compatibility

We asked residents one simple question and recorded their answers.

Is it affordable or economical to live in Tbilisi?


Yes
74%
No
26%

Around 74% of surveyed residents think that living in Tbilisi is affordable with proper budgeting while 26% reported that it is just too expensive and not affordable even with frugality and thriftness.

Distribution of monthly cost of living expenses in Tbilisi

How do people spend their money in Tbilisi?

We asked thousands of people about their spending habits and expenditure breaks. Below are their answers.

The percentage figures in this section are percentages of total spending not income. If you would like to see the percentage of expenses as related to income or salary, see other sections.

Housing Expenditure26%

26% of total expenses on average (15% to 34%)

LOW$75   200 GEL
AVERAGE$750   2,000 GEL
HIGH$11,000   30,000 GEL
Per Month

People living in Tbilisi typically spend from 15% to 34% of their total monthly expenditure on housing with 26% being the average. The average spend on housing is 2,000 GEL with expenditure ranging from 200 GEL to 30,000 GEL. This cost mainly goes for rent but it also includes other accommodation-related expenses. Housing costs are highest for families and lowest for students as expected.

Utilities, Electricity, Water, Internet, Mobile7%

7% of total expenses on average (4% to 11%)

LOW$11   29 GEL
AVERAGE$110   290 GEL
HIGH$1,700   4,400 GEL
Per Month

Utility expenditure like electricity, water, and gas in Tbilisi ranges from 4% to 11% of total expenses with 7% being the average. The average monthly cost of utilities is 290 GEL with 29 GEL and 4,400 GEL being the upper and lower limits.

Transport, Fuel, Commute8%

8% of total expenses on average (4% to 12%)

LOW$24   63 GEL
AVERAGE$240   630 GEL
HIGH$3,600   9,500 GEL
Per Month

Fuel consumption and cost of transport depend heavily on whether you live near your work or school, but roughly speaking you would expect to spend from 63 GEL to 9,500 GEL on commuting with 630 GEL being the norm for most people in one month. This means that money spent on transport constitutes about 8% of total spending on average but can go as low as 4% or as high as 12%.

Food and Groceries Cost27%

27% of total expenses on average (19% to 33%)

LOW$58   150 GEL
AVERAGE$580   1,500 GEL
HIGH$8,700   23,000 GEL
Per Month

The average outlay on groceries in a month in Tbilisi is 1,500 GEL. The cost of groceries can range between 150 GEL to 23,000 GEL. People spend on average about 27% on food and groceries with upper and lower bounds of 19% and 33% respectively.

Healthcare and Medical Services9%

9% of total expenses on average (4% to 12%)

LOW$14   38 GEL
AVERAGE$140   380 GEL
HIGH$2,200   5,700 GEL
Per Month

People in Tbilisi allocate 4% to 12% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 9%. The range of medical expenses range from 38 GEL to 5,700 GEL with 380 GEL being the norm.

Leisure and Shopping5%

5% of total expenses on average (3% to 9%)

LOW$9.3   25 GEL
AVERAGE$93   250 GEL
HIGH$1,400   3,700 GEL
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 25 GEL to 3,700 GEL with 250 GEL being the average. Speaking of percentages, that equates to 3% to 9% of total expenses with an average of 5% for most residents.

Education and Schooling6%

6% of total expenses on average (4% to 12%)

LOW$14   37 GEL
AVERAGE$140   370 GEL
HIGH$2,100   5,500 GEL
Per Month

Spending on education can vary drastically between different people. While working singles can spend 0% on education, families and students' expenditure can reach up to 22%. On average, education constitutes 6% of the monthly expenditure with 4% and 12% being the lower and upper bounds respectively. The average reported education cost is 370 GEL per month with 37 GEL being the minimum spent amount and 5,500 GEL being the maximum.

Other Expenses13%

13% of total expenses on average (8% to 20%)

LOW$32   84 GEL
AVERAGE$320   840 GEL
HIGH$4,700   13,000 GEL
Per Month
Financial literacy and difficulty in budgeting and financial planning in Tbilisi

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 Leteracy69%


We asked residents of whether they acquired any adequate personal financial training in their lives. Approximately 31% 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 69% 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 residents 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? 21% of the participants reported that they indeed struggle in creating budgets and in organizing their finances while 79% said that they have everything under control.

Struggles with finance21%

Easily manages finances79%

Chart showing the percentage of people who are in debt in Tbilisi

Debt, loans, and mortgages in Tbilisi


Percentage of people who are in debt


In Debt
22%
Debt Free
78%

According to the survey, 22% of the people in Tbilisi have some kind of debt, loan, mortgage, or credit card payments while 78% reported that they don't have financial obligations to banks.


Chart showing debt-to-income ratio in Tbilisi

Debt-to-income ratio in Tbilisi

Debt to income ratio

27%

17% to 36%

( monthly debt payment / monthly income ) x 100

Interpretation

The debt-to-income ratio measures the percentage of income being paid as debt settlement across the population. It is calculated by dividing the monthly debt settlement payment of an individual by their monthly income. Based on collected data, approximately 27% of the people's monthly income in Tbilisi goes to debt settlement.


Debt levels

Monthly debt settlement payment as percentage of monthly income

Debt-to-income ratio% People
> 60%3%
50% - 60%14%
40% - 50%12%
30% - 40%14%
20% - 30%13%
10% - 20%16%
0% - 10%27%

According to our data, 3% of the debtors in Tbilisi pay 60%+ of their income as debt settlement while 14% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 12% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 14% dedicated 30% to 40% of income for same. Things are looking brighter for 13% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.


Distribution by type of debt in Tbilisi

Debt% People
Real Estate Mortgage11%
Auto Loan20%
Student Loan3%
Credit Card27%
Personal Loan39%

11% of debtors in Tbilisi confirm that real estate mortgages constitutes the main part of their outstanding debt while 27% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 20% of people and personal loans rose at 39%. Lastly, student loans are the main source of debt for 3% of debtors in Tbilisi.


About credit score and debt management

Managing debt is a critical aspect of maintaining a favorable credit score. Debt reduction is the first thing you should do improve your financial situation. Getting rid of debt takes precedence over saving money because of interest rates.

Good debt vs. Bad debt

Not all debt is bad. Good debt typically refers to borrowing money for investments that can increase in value or generate income over time like purchasing a home or acquiring student loans. On the other hand, bad debt involves borrowing for things that fail to generate lasting value like high-interest credit card debt used for non-essential expenses like luxury items or vacations.


Loan Affordability Index in Tbilisi

Besides measuring the loan-to-income ratio, we asked residents how many times in a year they defaulted or were unable to pay their due credit card or loan payments on time. Understanding how often people default on their due payments is one of the indicators of the cost of living and economic situation.

Frequency and percentage of people who failed to pay their monthly credit card or loan payments on time last year.

Frequency% People
Never53%
Once a year23%
Twice a year12%
Three times a year8%
Four times a year4%
How easily is cost-cutting. Are there plenty of low-cost options in Tbilisi

Low-cost alternatives in Tbilisi

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 residents how easily cost-cutting is and the answers were distributed as follows:

Plenty of low-cost options62%

Few low-cost options38%


Based on the survey, 62% of the people living in Tbilisi have no problem finding low-cost alternatives to support a frugal lifestyle while 38% think that thriftness is difficult due to scarcity in discount markets and secondhand outlets.

Cost of living comparison by city

#1 Batumi

The average cost of living in Batumi is 5,200 GEL, which is 17% less than the country average. Batumi is ranked first in Georgia in terms of expendenture and cost of living.


#2 Tbilisi

The average cost of living in Tbilisi is 6,600 GEL, which is same as the country average. Tbilisi is ranked second in Georgia in terms of expendenture and cost of living.


Published: December 31, 2024   Last Update: May 28, 2025



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