Cost Of Living in Uzbekistan 2024
Average monthly spending for singles, couples, students, and families in Uzbekistan
Whether you're living in Uzbekistan 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: UZS
Monthly Expenditure ▶ Single
Currency: UZS
Monthly Expenditure ▶ Couple
Currency: UZS
Monthly Expenditure ▶ Family
Currency: UZS
Monthly Expenditure ▶ Student
Currency: UZS
The figures displayed here are inclusive of everything: housing, travel, groceries, healthcare, etc.
Singles
The average monthly expense for a single person living in Uzbekistan is 930,000 UZS. Expenses can range from 130,000 UZS at the minimum level to 6.2M UZS at the highest end.
Couples
The average monthly spending of couples in Uzbekistan is 1.6M UZS. Expenditure can range from 520,000 UZS to 8.3M UZS per month.
Families
The average cost of living for families in Uzbekistan is 2.1M UZS per month. Families spend anywhere from 720,000 UZS to 13M UZS.
Students
The average monthly expenditure for students in Uzbekistan is 690,000 UZS. Students spend from 100,000 UZS to 4.6M UZS per month.
Spending behavior can change drastically from one person to another. It is best to consider the minimum, average, and maximum spending together.
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 - Individual
7,800 UZS | 56,000 UZS | 370,000 UZS |
Utility Bill - Couple
21,000 UZS | 70,000 UZS | 460,000 UZS |
Utility Bill - Family
36,000 UZS | 100,000 UZS | 670,000 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 |
Expenditure to Income Ratio in Uzbekistan
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.
Spending to Income Ratio
88%
82% to 96%
( expenditure / income ) x 100
Expense to income distribution levels
Spending To Income Ratio | % People |
---|
< 50% | 4% |
50% - 60% | 8% |
60% - 70% | 14% |
70% - 80% | 24% |
80% - 90% | 21% |
90% - 100% | 11% |
100% - 110% | 6% |
110% - 120% | 4% |
120% - 130% | 3% |
130% - 140% | 2% |
> 140% | 2% |
Interpretation and Analysis
The average spending-to-salary ratio in Uzbekistan is 88%
This means that on average, people spend around 88% of their income for living.
According to the distribution table, 14% 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
79%
Spending-Income-Ratio
74%
86%
Couple
84%
Spending-Income-Ratio
78%
91%
Family
92%
Spending-Income-Ratio
86%
100%
How do people spend their money in Uzbekistan?
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 Expenditure23%
23% of total expenses on average (12% to 31%)
LOW | $2.5 31,000 UZS |
AVERAGE | $32 400,000 UZS |
HIGH | $320 4M UZS |
| Per Month |
People living in Uzbekistan typically spend from 12% to 31% of their total monthly expenditure on housing with 23% being the average. The average spend on housing is 400,000 UZS with expenditure ranging from 31,000 UZS to 4M UZS. 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, Mobile8%
8% of total expenses on average (5% to 12%)
LOW | $0.41 5,200 UZS |
AVERAGE | $5.4 67,000 UZS |
HIGH | $54 670,000 UZS |
| Per Month |
Utility expenditure like electricity, water, and gas in Uzbekistan ranges from 5% to 12% of total expenses with 8% being the average. The average monthly cost of utilities is 67,000 UZS with 5,200 UZS and 670,000 UZS being the upper and lower limits.
Transport, Fuel, Commute6%
6% of total expenses on average (3% to 10%)
LOW | $0.83 10,000 UZS |
AVERAGE | $11 130,000 UZS |
HIGH | $110 1.3M UZS |
| 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 10,000 UZS to 1.3M UZS on commuting with 130,000 UZS being the norm for most people in one month. This means that money spent on transport constitutes about 6% of total spending on average but can go as low as 3% or as high as 10%.
Food and Groceries Cost29%
29% of total expenses on average (21% to 35%)
LOW | $2.1 26,000 UZS |
AVERAGE | $27 340,000 UZS |
HIGH | $270 3.4M UZS |
| Per Month |
The average outlay on groceries in a month in Uzbekistan is 340,000 UZS. The cost of groceries can range between 26,000 UZS to 3.4M UZS. People spend on average about 29% on food and groceries with upper and lower bounds of 21% and 35% respectively.
Healthcare and Medical Services11%
11% of total expenses on average (6% to 14%)
LOW | $0.58 7,200 UZS |
AVERAGE | $7.5 94,000 UZS |
HIGH | $75 940,000 UZS |
| Per Month |
People in Uzbekistan allocate 6% to 14% of their total monthly expenditure to healthcare including health insurance and out-of-pocket medical expenses. The average spending is around 11%. The range of medical expenses range from 7,200 UZS to 940,000 UZS with 94,000 UZS being the norm.
Leisure and Shopping4%
4% of total expenses on average (2% to 8%)
LOW | $0.33 4,100 UZS |
AVERAGE | $4.3 54,000 UZS |
HIGH | $43 540,000 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 4,100 UZS to 540,000 UZS with 54,000 UZS being the average. Speaking of percentages, that equates to 2% to 8% of total expenses with an average of 4% for most residents.
Education and Schooling5%
5% of total expenses on average (3% to 11%)
LOW | $0.50 6,200 UZS |
AVERAGE | $6.5 81,000 UZS |
HIGH | $65 810,000 UZS |
| 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 5% of the monthly expenditure with 3% and 11% being the lower and upper bounds respectively. The average reported education cost is 81,000 UZS per month with 6,200 UZS being the minimum spent amount and 810,000 UZS being the maximum.
Other Expenses14%
14% of total expenses on average (9% to 21%)
LOW | $1.1 13,000 UZS |
AVERAGE | $14 170,000 UZS |
HIGH | $140 1.7M UZS |
| Per Month |
How much money can you save in Uzbekistan 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 Uzbekistan manage to save money from their income every month?
Almost 52% of the surveyed people in Uzbekistan said that they can save some money at the end of each month while 48% said that aren't saving anything.
Percentage of people saving money by population group in Uzbekistan
Group | Savers | Non Savers |
---|
Singles | 54% | 46% |
Couples | 49% | 51% |
Families | 44% | 56% |
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.
Saving to Income Ratio
Average Monthly Saved Amount
29,000 UZS $2.3 | 380,000 UZS $30 | 3.8M UZS $300 |
For most people, 8% to 28% of their monthly income is what they can allocate to their savings, with 14% being the average. The amount of money that people can save is approximately 380,000 UZS on average with savings ranging from 29,000 UZS to 3.8M UZS.
54% of surveyed singles reported some of their income going to savings while 49% of couples said the same. 44% of families confirmed their ability to save money.
How much money do people actually save in Uzbekistan?
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
Average Monthly Saved Amount
29,000 UZS $2.3 | 260,000 UZS $21 | 1.7M UZS $140 |
Savings to income distribution levels for singles
Saving To Income Ratio | % Singles |
---|
0% - 10% | 33% |
10% - 20% | 26% |
20% - 30% | 16% |
30% - 40% | 12% |
40% - 50% | 9% |
> 50% | 4% |
Interpretation and Analysis
Singles who can afford to save reported that they allocate from 11% to 30% of their monthly income to savings, with 18% being the average for most singles. The average amount of money that singles are able to save is 260,000 UZS with 29,000 UZS and 1.7M UZS being the minimum and maximum respectively.
Couples
Saving to Income Ratio
Average Monthly Saved Amount
140,000 UZS $12 | 430,000 UZS $35 | 2.3M UZS $190 |
Savings to income distribution levels for couples
Saving To Income Ratio | % Couples |
---|
0% - 10% | 37% |
10% - 20% | 28% |
20% - 30% | 19% |
30% - 40% | 7% |
40% - 50% | 6% |
> 50% | 3% |
Interpretation and Analysis
Couples who confirmed their ability to save reported saving equivalent to 9% to 29% of their monthly income, with 16% being the average for most couples. The average amount of money that couples can save is 430,000 UZS with 140,000 UZS and 2.3M UZS being the minimum and maximum respectively.
Families
Saving to Income Ratio
Average Monthly Saved Amount
200,000 UZS $16 | 580,000 UZS $46 | 3.8M UZS $300 |
Savings to income distribution levels for families
Saving To Income Ratio | % Families |
---|
0% - 10% | 40% |
10% - 20% | 31% |
20% - 30% | 20% |
30% - 40% | 4% |
40% - 50% | 3% |
> 50% | 2% |
Interpretation and Analysis
Families in Uzbekistan can save anywhere between 8% to 26% of their monthly income, with 14% being the average for most families. The average amount of money that families can put aside is 580,000 UZS with 200,000 UZS and 3.8M UZS being the minimum and maximum respectively.
Saving Challenges in Uzbekistan
Reasons that make it difficult for people to save money
We wanted to understand what is stopping people from maximizing their savings in Uzbekistan. Listed below are the answers given by the survey participants.
Reason | % People |
---|
Low Income | 4% |
High Expenses | 7% |
Debt and Loans | 12% |
Lack of Budgeting Skills | 12% |
Impulsive Spending | 12% |
Financial Emergencies | 7% |
Living the moment | 5% |
Will do it later | 22% |
Inflation | 14% |
Social Pressure | 3% |
Market Instability | 2% |
Around 4% of the people said that their salary is too low to accommodate a portion for savings while 7% said that the high cost of living leaves little room for savings. 12% of the residents said that they are burdened with debt and find it challenging to save money. 12% 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. 12% blamed impulsive spending as the reason for saving inability. Around 7% said that unexpected expenses like medical bills or car repairs are derailing their savings goals. 5% bluntly said that they don't see the purpose of it and prefer to live each day to the fullest. 22% 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. 14% 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, 2% blamed market instability and price fluctuations.
Typical saving choices for people in Uzbekistan
Where do people choose to put their savings?
Saving Type | % People |
---|
Emergency Funds | 13% |
Gold | 14% |
Savings Accounts | 17% |
Retirement Accounts | 9% |
Cash Savings | 22% |
Real Estate | 9% |
Investment | 5% |
Stocks | 4% |
Bonds | 4% |
Mutual Funds | 2% |
Certificates of Deposit | 3% |
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 residents one simple question and recorded their answers.
Is it affordable or economical to live in Uzbekistan?
Around 43% of surveyed residents 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 residents 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 people 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
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 of Uzbekistan whether they have an emergency fund and the answers were as follows.
Yes42%
No58%
Based on the survey, 58% of the people 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 residents of 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 residents 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%
Financial goals of people in Uzbekistan
In an attempt to understand the economic situation in Uzbekistan, 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 Fund | 9% |
Debt Reduction | 45% |
Retirement Savings | 11% |
Education Funding | 6% |
Homeownership | 19% |
Investing | 6% |
Travel or Lifestyle | 6% |
Healthcare Expenses | 15% |
Financial Independence | 4% |
Around 9% of those who participated in the survey said that their main goal is to establish an emergency fund to cover unexpected expenses while 45% said their number one priority is to pay off high-interest debt or loans and improve credit. 11% of surveyed people confirmed that saving for retirement to ensure a comfortable lifestyle in the final years is their main target. Around 6% reported that their priority is saving for the tuition fees and education costs of their children while 19% choose to buy a home or pay off existing mortgage before other things. 6% of the population would like to build wealth through investments such as stocks, bonds, mutual funds, or real estate. For 6% of people, saving for vacations or upgrading their lifestyle is the number one concern. Approximately 15% of the residents said that saving for healthcare expenses including insurance premiums is their main goal.
Retirement, pension plans, and life after work in Uzbekistan
What does the retirement lifestyle look like in Uzbekistan and how much retirement savings are required?
Retirement age
The retirement age for most employees in Uzbekistan 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:Age | Amount |
---|
25 | 5x monthly salary at age 25 |
30 | 10x monthly salary at age 30 |
35 | 15x monthly salary at age 35 |
40 | 25x monthly salary at age 40 |
45 | 32x monthly salary at age 45 |
50 | 48x monthly salary at age 50 |
55 | 56x monthly salary at age 55 |
60 | 64x monthly salary at age 60 |
65 | 78x monthly salary at age 65 |
The typical average saved amount of money you should have at every age in Uzbekistan:Age | Amount |
---|
25 | 3.4M UZS |
30 | 6.9M UZS |
35 | 12M UZS |
40 | 17M UZS |
45 | 26M UZS |
50 | 36M UZS |
55 | 43M UZS |
60 | 53M UZS |
65 | 64M UZS |
Retirement Income Distribution
We asked residents of Uzbekistan about their retirement income sources and below are the results.
Source | % People |
---|
Pensions | 11% |
Savings | 24% |
Investments | 11% |
Social Security | 6% |
Annuities | 6% |
Part-time Job | 16% |
Real Estate | 19% |
Dividends and Interest | 6% |
Retirement Monthly Expenses in Uzbekistan 77,000 UZS $6.2 | 690,000 UZS $56 | 4.6M UZS $370 |
Debt, loans, and mortgages in Uzbekistan
Percentage of people who are in debt
According to the survey, 31% of the people in Uzbekistan have some kind of debt, loan, mortgage, or credit card payments while 69% reported that they don't have financial obligations to banks.
Debt-to-income ratio in Uzbekistan
Debt to income ratio
33%
25% to 41%
( 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 33% of the people's monthly income in Uzbekistan goes to debt settlement.
Debt levels23>Monthly debt settlement payment as percentage of monthly income
Debt-to-income ratio | % People |
> 60% | 3% |
50% - 60% | 20% |
40% - 50% | 15% |
30% - 40% | 17% |
20% - 30% | 9% |
10% - 20% | 10% |
0% - 10% | 25% |
According to our data, 3% of the debtors in Uzbekistan pay 60%+ of their income as debt settlement while 20% of the people pay 50% to 60% of their income for the same, which is quite an alarming financial situation for those individuals. 15% of people in debt dedicate 40% to 50% of their income to loan and mortgage payments while 17% dedicated 30% to 40% of income for same. Things are looking brighter for 9% of individuals as they only pay 20% to 30% of their income for loan and credit card repayment.
Distribution by type of debt in Uzbekistan
Debt | % People |
Real Estate Mortgage | 7% |
Auto Loan | 13% |
Student Loan | 4% |
Credit Card | 31% |
Personal Loan | 45% |
7% of debtors in Uzbekistan confirm that real estate mortgages constitutes the main part of their outstanding debt while 31% say that credit card payments are the reason they are in debt. Auto loans were the main type of debt for 13% of people and personal loans rose at 45%. Lastly, student loans are the main source of debt for 4% of debtors in Uzbekistan.
About credit score and debt managementManaging 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 Uzbekistan
Besides measuring the loan-to-income ratio, we asked residents of Uzbekistan 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 |
Never | 49% |
Once a year | 24% |
Twice a year | 13% |
Three times a year | 9% |
Four times a year | 4% |
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 / Individual
7,800 UZS | 56,000 UZS | 370,000 UZS |
Utility Bill Cost / Electricity + Water + Gas / Couple
21,000 UZS | 70,000 UZS | 460,000 UZS |
Utility Bill Cost / Electricity + Water + Gas / Family
36,000 UZS | 100,000 UZS | 670,000 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 expenditure for individuals on electricty, water, and gas in Uzbekistan ranges between 7,800 UZS and 370,000 UZS with average being 56,000 UZS, meanwhile the expenditure of couples is slightly higher at 70,000 UZS with 21,000 UZS and 460,000 UZS 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 100,000 UZS. The cost of internet and WiFi is unchanged among the three groups and 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 people 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 every population group
A single person living alone spends approximately 150,000 UZS per month on grocery and food with expenditure fluctuating between 21,000 UZS and 990,000 UZS depending on location and the type of person. The average cost of food and groceries for a couple is around 220,000 UZS per month. That number can be get as low as 72,000 UZS or a high as 1.2M UZS. Families' spending on grocery ranges from 130,000 UZS to 2.4M UZS with the location, income, and size of the family being the most determinite factors.
SingleSpending habits, consumption analysis, and expenditure patterns for a single person living in Uzbekistan
Housing cost for a single person29%
29% of total expenses on average (17% to 41%)
LOW | $3.7 47,000 UZS |
AVERAGE | $27 340,000 UZS |
HIGH | $180 2.2M UZS |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile9%
9% of total expenses on average (5% to 14%)
LOW | $0.62 7,800 UZS |
AVERAGE | $4.5 56,000 UZS |
HIGH | $30 370,000 UZS |
| Per Month |
Transport and Fuel Cost4%
4% of total expenses on average (2% to 10%)
LOW | $0.83 10,000 UZS |
AVERAGE | $6 75,000 UZS |
HIGH | $40 500,000 UZS |
| Per Month |
Food and Groceries Cost20%
20% of total expenses on average (14% to 25%)
LOW | $1.7 21,000 UZS |
AVERAGE | $12 150,000 UZS |
HIGH | $80 990,000 UZS |
| Per Month |
Healthcare Cost13%
13% of total expenses on average (7% to 17%)
LOW | $0.94 12,000 UZS |
AVERAGE | $6.7 84,000 UZS |
HIGH | $45 560,000 UZS |
| Per Month |
Leisure and Shopping Expenditure2%
2% of total expenses on average (2% to 5%)
LOW | $0.52 6,500 UZS |
AVERAGE | $3.7 47,000 UZS |
HIGH | $25 310,000 UZS |
| Per Month |
Education Cost1%
1% of total expenses on average (0.00% to 3%)
LOW | $0.21 2,600 UZS |
AVERAGE | $1.5 19,000 UZS |
HIGH | $9.9 120,000 UZS |
| Per Month |
Other Expenses22%
22% of total expenses on average (14% to 26%)
LOW | $1.9 23,000 UZS |
AVERAGE | $13 170,000 UZS |
HIGH | $90 1.1M UZS |
| Per Month |
CoupleAverage monthly living expenditure breaks and spending patterns for couples in Uzbekistan
Housing cost for a couple26%
26% of total expenses on average (19% to 36%)
LOW | $14 180,000 UZS |
AVERAGE | $42 530,000 UZS |
HIGH | $230 2.8M UZS |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile8%
8% of total expenses on average (6% to 12%)
LOW | $1.7 21,000 UZS |
AVERAGE | $5.6 70,000 UZS |
HIGH | $36 460,000 UZS |
| Per Month |
Transport and Fuel Cost8%
8% of total expenses on average (2% to 13%)
LOW | $5 62,000 UZS |
AVERAGE | $15 190,000 UZS |
HIGH | $80 990,000 UZS |
| Per Month |
Food and Groceries Cost18%
18% of total expenses on average (13% to 23%)
LOW | $5.8 72,000 UZS |
AVERAGE | $17 220,000 UZS |
HIGH | $93 1.2M UZS |
| Per Month |
Healthcare Cost15%
15% of total expenses on average (9% to 19%)
LOW | $4.6 57,000 UZS |
AVERAGE | $14 170,000 UZS |
HIGH | $73 910,000 UZS |
| Per Month |
Leisure and Shopping Cost3%
3% of total expenses on average (1% to 6%)
LOW | $2.5 31,000 UZS |
AVERAGE | $7.5 93,000 UZS |
HIGH | $40 500,000 UZS |
| Per Month |
Education Cost1%
1% of total expenses on average (0.00% to 3%)
LOW | $0.83 10,000 UZS |
AVERAGE | $2.5 31,000 UZS |
HIGH | $13 170,000 UZS |
| Per Month |
Other Expenses21%
21% of total expenses on average (15% to 27%)
LOW | $7 88,000 UZS |
AVERAGE | $21 260,000 UZS |
HIGH | $110 1.4M UZS |
| Per Month |
FamilyAverage monthly expenses and break out of spending for families living in Uzbekistan
Housing cost for a family25%
25% of total expenses on average (20% to 35%)
LOW | $19 230,000 UZS |
AVERAGE | $53 660,000 UZS |
HIGH | $340 4.3M UZS |
| Per Month |
Utilities, Electricity, Water, Internet, Mobile6%
6% of total expenses on average (4% to 9%)
LOW | $2.9 36,000 UZS |
AVERAGE | $8.3 100,000 UZS |
HIGH | $54 670,000 UZS |
| Per Month |
Transport and Fuel Expenses4%
4% of total expenses on average (2% to 6%)
LOW | $5.8 72,000 UZS |
AVERAGE | $17 210,000 UZS |
HIGH | $110 1.3M UZS |
| Per Month |
Food and Groceries Cost22%
22% of total expenses on average (15% to 28%)
LOW | $10 130,000 UZS |
AVERAGE | $30 370,000 UZS |
HIGH | $190 2.4M UZS |
| Per Month |
Healthcare Expenses12%
12% of total expenses on average (8% to 17%)
LOW | $5.2 65,000 UZS |
AVERAGE | $17 210,000 UZS |
HIGH | $86 1.1M UZS |
| Per Month |
Leisure and Shopping Cost2%
2% of total expenses on average (1% to 6%)
LOW | $2.9 36,000 UZS |
AVERAGE | $8.3 100,000 UZS |
HIGH | $54 670,000 UZS |
| Per Month |
Education Cost13%
13% of total expenses on average (6% to 21%)
LOW | $8.1 100,000 UZS |
AVERAGE | $23 290,000 UZS |
HIGH | $150 1.9M UZS |
| Per Month |
Other Expenses16%
16% of total expenses on average (9% to 21%)
LOW | $4.6 58,000 UZS |
AVERAGE | $13 170,000 UZS |
HIGH | $86 1.1M UZS |
| Per Month |
StudentCost of living and expenses break down for students living in Uzbekistan
Housing costs for Student17%
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 |
Utilities, Electricity, Water, Internet, and Mobile Expenses7%
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 |
Transport and Fuel Cost3%
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 |
Food and Groceries Expenditure24%
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 |
Healthcare Cost10%
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 |
Leisure and Shopping Cost2%
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 |
Education Cost18%
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 |
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 |