Key Cost of Living Data
Lusaka 2026 · NYC baseline = 100
| Category | Value | Notes | Source |
|---|---|---|---|
| CoL Index | N/A | NYC baseline = 100 · global avg 87.2 | GlobalCostData 2026 |
| Rent Index | N/A | Avg rent vs NYC | GlobalCostData 2026 |
| 1-BR City Centre | $260 | Monthly rent, USD | GlobalCostData 2026 |
| 1-BR Outside Centre | $169 | Monthly rent, USD | GlobalCostData 2026 |
| Cheap Restaurant Meal | $3 | Per person, USD | GlobalCostData 2026 |
| Monthly Groceries | $252 | Single person, USD | GlobalCostData 2026 |
| Monthly Transport | $48 | Transit pass, USD | GlobalCostData 2026 |
Affordability snapshot
Rent / Salary ratio
81%
Share of average net salary absorbed by 1-bed city-centre rent. Lower = more disposable income.
Country context · Zambia
Avg net salary
$321
Food basket /mo
$88
Avg rent /mo
$260
Internet speed
2 Mbps
Safety index
N/A
HDI
0.569
Life expectancy
61.8 yrs
Purchasing power
9.4
Housing & Rent
USD per month · 2026
| Type | USD / month | Notes |
|---|---|---|
| 1-bed, city centre | $260 | Capital city avg. |
| 1-bed, outside centre | $169 | Suburbs avg. |
| Country avg rent | $260 | Zambia (national) |
Food & Dining
Per-item prices in USD
| Item | Price (USD) | Notes |
|---|---|---|
| Cheap restaurant meal | $3 | Per person |
| Mid-range restaurant (2p) | $8 | 3-course |
| Monthly groceries (single) | $252 | Single person estimate |
| Country food basket | $88 | Zambia (national avg) |
Transport
Monthly costs in USD
| Type | Price (USD) | Notes |
|---|---|---|
| Monthly transit pass | $48 | Public transport avg. |
City Insight
In Lusaka, a 1-bedroom city-centre apartment ($260/mo) absorbs approximately 81% of the average net salary ($321/mo). Housing is a dominant budget item.
Country profile
Full cost of living guide for Zambia
Related · TaxRatesByCountry.com
Tax Rates in Zambia for Expats 2026
Income tax, corporate rates, capital gains & special regimes
Read guide →
Free resource
Planning a move to Lusaka?
Get our Expat Budget Calculator — personalised monthly cost estimate for your lifestyle and city.
Monthly Budget Estimates
Lusaka · 2026 · Single person
| Lifestyle | Monthly Budget (USD) | Notes |
|---|---|---|
| Frugal | $500 | Shared room, basic lifestyle |
| Comfortable | $800 | 1-bed apt, normal expat lifestyle |
| Western expat | $1,300 | Private apt, regular travel |
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Frequently Asked Questions
Lusaka cost of living
Is Lusaka good for digital nomads on a budget?
Lusaka is one of the more affordable cities for digital nomads, with a CoL Index of 40.0 (roughly 60% below New York City). A comfortable remote-work lifestyle — including a private apartment, fast internet, and regular dining out — typically costs $400–$560/month, making it highly competitive on a USD or EUR income.
What is the cheapest area to live in Lusaka?
Outside the city centre, a 1-bedroom apartment in Lusaka averages $169/month, compared to $260/month in central areas. Outer districts and emerging neighbourhoods can be even cheaper — local expat forums are the best source for current listings.
How does Lusaka compare to other affordable cities?
With a CoL Index of 40.0, Lusaka sits comfortably in the affordable tier (below 60 on the NYC=100 scale). It compares favourably with similar budget destinations in the region, offering a good balance of infrastructure and low cost that appeals to long-stay travellers and expats alike.
Is Lusaka, the capital, more expensive than other cities in Zambia?
As the capital of Zambia, Lusaka tends to command a premium over smaller regional cities. Its CoL Index of 40.0 (NYC=100) reflects the concentration of government, business, and international institutions that typically drive up housing and service costs. Secondary cities in Zambia are often 20–40% cheaper for rent.
What is the average salary in Lusaka?
The average net monthly salary in Lusaka is approximately $321, equivalent to around $3,852/year after taxes. Technology, finance, and international companies typically pay above average. Expat packages often include housing allowances on top of the base salary.
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Sources: World Bank Open Data 2026 · GlobalCostData Research 2026. Data verified April 2026. Not financial or legal advice.
Disclaimer: Prices are indicative and vary by neighbourhood and individual lifestyle. Verify with local sources before relocating.