The Gambia is in Western Africa, bordering the North Atlantic Ocean and Senegal. The climate is tropical with a hot, rainy season (June to November) and a cooler, dry season (November to May). The official language is English. It is the language in which business meetings are conducted. Most people in urban area understand English, but very few in rural areas do. The main religions are Islam and Christianity. The economy of the Gambia is a liberal, market-based economy characterized by traditional subsistence agriculture, a historic reliance on groundnuts (peanuts) for export earnings, a re-export trade built up around its ocean port, low import duties, minimal administrative procedures, a fluctuating exchange rate with no exchange controls, and a significant tourism industry. Gambians tend to be soft-spoken and gentle. The majority of Gambians are Muslim. Business culture is generally formal and hierarchical. The working week is Sunday to Thursday. Businesses are closed on Fridays. The security risk for expatriates in Gambia is low. Risks include petty crime such as pickpocketing and theft, particularly in hotels, tourist and public transport areas, as well as separatist groups in the areas bordering southern Senegal's Casamance region. The currency of The Gambia is the Gambian Dalasi (GMD). The Gambia is primarily a cash based economy. Some hotels and restaurants accept some debit cards but very few will accept credit cards. ATMs are limited and unreliable. Medical facilities in The Gambia are very limited and the cost of medical evacuation can be very high. Malaria is present. The population of the Gambia is 2.1 Million (2019 est.), while the inflation rate (CPI) is 7.65% for the Gambia as at September 2019. Xpatulator Hypothetical Tax for the Gambia is based on the current personal income tax rates which are progressive up to 30%. Within the Gambia we also cover Banjul.
Cost Of Living
The cost of living for expatriates / professional migrants in We have collected prices for the same items, world wide, based on Expat spending norms, in or closest to the location, and converted them to $USD so that we can compare the cost of 13 different baskets in 780 global locations. For each basket, compared to New York, the equivalent cost in Gambia is as follows: Gambia as at 1 November 2019 is very low in comparison to other places in the world. 1) Alcohol and/or Tobacco: for items such as beer, spirits, wine and tobacco related products such as cigarettes. A basket costing USD$1000 in New York costs USD$500. Average price in a store for a midrange bottle of wine is USD$1.25, domestic/local beer (500ml) USD$0.99, imported/international beer (330ml) USD$1.61 and a pack of 20 cigarettes is USD$1.54. 2) Clothing: for items such as business, casual and children's clothing and footwear. A basket costing USD$1000 in New York costs USD$540. Average price for an international brand of mens jeans is USD$35, a quality international brand of running shoes USD$60, mens leather shoes suitable for office wear USD$65 while a medium size international summer dress from a global chain store is USD$40. 3) Communication: for various communication costs such as home telephone rental, internet subscription, mobile service provider tariff and data costs. A basket costing USD$200 in New York costs USD$220. Average price for a monthly standard plan internet subscription is USD$67, while the benchmark mobile tariff is USD$0.05 per minute. 4) Education: for items such as creche / pre-school fees, primary school fees, high school fees and tertiary study fees. A basket costing USD$30000 in New York costs USD$21300. Average annual private international school fee (excluding extras) USD$13,848 for Primary School, and USD$15,411 for High School. 5) Furniture & Appliances: for items such as dining table and chairs, home entertainment, kitchen appliances, and sofas. A basket costing USD$2500 in New York costs USD$1600. Average price for a 6kg front loader Washing Machine is USD$626, and USD$537 for a 46+'' LED UHD TV. 6) Groceries: for items such as consumables, cleaning products, dairy, fresh fruit & vegetables, general food products, snacks, soft drinks. A basket costing USD$1000 in New York costs USD$450. Average grocery prices in a major international retail store for 1 kg apples is USD$2.43, 1 kg oranges USD$1.79, 1 head lettuce USD$0.45, 1 kg potatos USD$0.99, 1 kg boneless, skinless, chicken breast USD$2.48, 1 kg cheddar cheese USD$5.00, 1 dozen large eggs USD$1.86, 500g loaf white bread USD$0.15, 1 L full cream milk USD$1.29, and 1.5 L water USD$0.50. 7) Healthcare: for general heath care, doctor visits, hospital stays, non-prescription medicine, and medical insurance. A basket costing USD$1000 in New York costs USD$600. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$49, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,491. 8) Household Accommodation: for items such as apartment rent, house rent, property purchase, mortgage rate, and utilities. A basket costing USD$5000 in New York costs USD$1650. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$1,204 in a central location, and USD$690 in a suburban location, per month, excluding utilities. 9) Miscellaneous: for items such as dry cleaning, linen, magazines, newspapers, office supplies, and postage stamps. A basket costing USD$500 in New York costs USD$255. Average price for dry cleaning (1 mens 2 pc suit) is USD$4.96, while an international newspaper is USD$1.53. 10) Personal Care: for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$350. Average cost for a mens haircut and blow dry is USD$28, while a womens hair colour, cut and blow dry - medium length is USD$140. 11) Recreation & Culture: for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$265. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$10.00, and an international fitness, recreation or sports club membership cost for one adult is USD$16 per month. 12) Restaurants Meals Out and Hotels: for items such as hotel daily room rates, meals and beverages in a restaurant, and take away food and beverages. A basket costing USD$1000 in New York costs USD$360. Average cappuccino price (regular, medium) is USD$1.79, coke/pepsi (330ml) USD$0.99, burger meal (international franchise or similar) USD$2.98, and a mid-range international restaurant meal for 2 USD$22.82. 13) Transport: for items such as fuel (petrol/gasoline), car hire, public transport, vehicle purchase and maintenance. A basket costing USD$1000 in New York costs USD$580. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$0.99, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$29,900. Gambia is -39.2% cheaper than USA for groceries, -37.6% cheaper for household costs than UK, and 45.6% more expensive for transport costs than India. The hardship premium for Gambia for an expat from Australia, is for example 30%, i.e. host location (the Gambia) premium of 40% minus home (Australia) location premium of 10%. Gambia is ranked as a extreme hardship location. Want to know more about cost of living, hardship (quality of living) or expat salary in Gambia? Register subscribe to your home location and Gambia and run your personalised reports.