Cost of Living in Zambia

The cost of living in Zambia is remarkably low for those paid in a strong currency. Compared to many global cities, Lusaka remains an affordable option for expats, particularly for housing, local goods, and services.

As Zambia is landlocked, it is heavily dependent on its neighbours. Transport costs are high, and much of the country’s consumer goods are imported, making them relatively expensive.

Keep in mind that the cost of living in Zambia is relative. Those looking to maintain a high standard of living similar to what they had back home may find certain expenses costly, particularly imported goods and private services. That said, local living costs are still significantly lower than in many Western countries.

Cost of accommodation in Zambia

Accommodation costs in Zambia can be high, particularly in Lusaka, and are likely to be your most significant monthly expense. Many companies secure and finance housing for their executives. Check with your employer if they’ll be covering your housing costs before moving.

Expats looking for work in Zambia should factor accommodation costs into any contract negotiations. If your employer does not cover accommodation and associated utilities like electricity, water, and parking, you’ll need to make additional room in your budget.

Renting Expat Accommodation in Zambia

Cost of transport in Zambia

Most expats moving to Zambia choose to purchase a personal vehicle to get around the country. Zambia’s public transport network is largely considered inadequate, but buses, trains, and minibus taxis are available at affordable prices.

Purchasing and maintaining a car in Zambia is affordable for most expats. That said, as the country’s road infrastructure is still under development, you will likely need to invest in a four-wheel-drive vehicle and defensive driving lessons to stay safe on its roads.

Getting Around in Zambia

Cost of groceries in Zambia

The cost of basic goods, such as fresh fruit and vegetables, varies significantly by season. Informal markets in Zambia are a good place to pick up bargains, as polite bartering is acceptable at street cafés and with vendors, unlike in more formal shops. Buying local goods is also significantly more affordable than imported alternatives. Beef and chicken are on the expensive side, but leafy greens are cheap.

Cost of entertainment and eating out in Zambia

Various recreational activities, including cinemas, bars, and theatres, are on offer in Zambia. Cinema ticket prices are likely to be reasonable for expats, but those looking to save a few bucks can purchase tickets for weekday shows rather than weekend shows. Culture aficionados will also be delighted to find that there is a State Orchestra in Lusaka, but tickets can be pricey.

Eating out in Zambia is a popular activity for locals and expats alike. If you want to try local restaurants and cafés, they are extremely affordable. For those who are looking for international cuisine, there are a variety of Western-style restaurants in hotels and tourist areas, but these tend to be significantly pricier.

Cost of education and schooling in Zambia

Many expats feel that the public school system in Zambia is inadequate and prefer to send their children to international schools, which often charge high fees. Expat parents moving to Zambia for work should consider this when negotiating their relocation package.

While international schools are pricey, they offer globally recognised curricula like the American, British, and International Baccalaureate systems. Teachers at these schools are also highly qualified, and a wider variety of extracurricular activities is on offer, so many parents find the cost well worth it.

Education and Schools in Zambia

Cost of healthcare in Zambia

Another essential expense for expats in Zambia is health insurance. Zambia’s public healthcare system is subpar, and although there are some good private hospitals in the major centres, any serious medical emergencies are likely to require evacuation to South Africa or elsewhere.

With this in mind, expats need to ensure that they have a comprehensive health insurance policy that covers this. The cost of health insurance in Zambia will vary depending on age, lifestyle habits, and health status.

Healthcare and Health Insurance in Zambia

Cost of living in Zambia

Prices are in Zambian Kwacha (ZMW) and may vary depending on the product and service provider. The list below shows the average prices for Lusaka in May 2026.