Cost of living in Zambia for expats
A realistic monthly budget for one person living comfortably in Zambia — rent, food, transport, and everyday costs in Lusaka.
$900–1,400
One person, all-in, in Lusaka
$350–750
1-bedroom city-centre apartment, per month
Budget
under ~$1,500/mo
What makes Zambia stand out, and what to watch for
Why expats choose Zambia
English-speaking, politically stable, and well-regarded by expat standards for sub-Saharan Africa; Victoria Falls is two hours from Lusaka and wildlife access is outstanding.
Watch out for
Infrastructure is limited outside the main cities; power cuts (loadshedding) are common; healthcare is basic and medical evacuation insurance is essential; the kwacha has seen significant inflation in recent years.
Costs vary a lot by city, neighbourhood, and lifestyle — these are directional monthly bands for the main expat city, current as of 2026. Treat them as a starting point, not a quote. Information only, not financial advice.
Cost of living elsewhere in Africa
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