Cost of living in the Gambia, prices and what it is like to live for an Expat, quality of life / hardship, and compare cost of living for Expatriates as at January 2023.

What is it like to live in the Gambia?

Climate: The climate is tropical with a hot, rainy season (June to November) and a cooler, dry season (November to May).

Language: 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.

Religion: Islam and Christianity.

Economy: 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.

Inflation: 13.74% for Gambia as at December 2022.

Money: 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.

Tax: In Gambia is based on the current personal income tax rates which are progressive up to 25%.

Population: 2.4 Million (2022 est.)

Expat Life: 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 safety 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.

Health Care: Health care facilities in The Gambia are very limited and the cost of health care evacuation can be very high. Malaria is present.

the Gambia covers all areas within the country other than Banjul.

Cost Of Living

What is the cost of living in Gambia?

The cost of living for expatriates in Gambia as at January 2023 is low in comparison to other places in the world, with an overall Cost of Living Index (COLI), for all 13 basket groups, of 48.03 (New York =100). 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:

1) Alcohol and/or Tobacco: Cost is low for items such as beer, spirits, wine and tobacco related products such as cigarettes. A basket costing USD$1,000 in New York costs USD$590. Average price in a store for a midrange bottle of wine is USD$ , domestic/local beer (500ml) USD$1.81, imported/international beer (330ml) USD$2.22 and a pack of 20 cigarettes is USD$1.90.

2) Clothing: Cost is very low for items such as business, casual and children's clothing and footwear. A basket costing USD$1,000 in New York costs USD$540. Average price for an international brand of mens jeans is USD$12, a quality international brand of running shoes USD$53, mens leather shoes suitable for office wear USD$40 while a medium size international summer dress from a global chain store is USD$15.

3) Communication: Cost is average 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$208. Average price for a monthly standard plan internet subscription is USD$81, while the benchmark mobile tariff is USD$0.05 per minute.

4) Education: Cost is average for items such as creche / pre-school fees, primary school fees, high school fees and tertiary study fees. A basket costing USD$30,000 in New York costs USD$19800. Average annual private international school fee (excluding extras) USD$12,779 for Primary School, and USD$14,220 for High School.

5) Furniture & Appliances: Cost is low for items such as dining table and chairs, home entertainment, kitchen appliances, and sofas. A basket costing USD$2,500 in New York costs USD$1525. Average price for a 6kg front loader Washing Machine is USD$615, and USD$528 for a 46+'' LED UHD TV.

6) Groceries: Cost is low for items such as consumables, cleaning products, dairy, fresh fruit & vegetables, general food products, snacks, soft drinks. A basket costing USD$1,000 in New York costs USD$490. Average grocery prices in a major international retail store for 1 kg apples is USD$3.04, 1 kg oranges USD$2.47, 1 head lettuce USD$0.61, 1 kg potatos USD$1.25, 1 kg boneless, skinless, chicken breast USD$3.74, 1 kg cheddar cheese USD$9.09, 1 dozen large eggs USD$2.20, 500g loaf white bread USD$0.27, 1 L full cream milk USD$1.54, and 1.5 L water USD$0.45.

7) Healthcare: Cost is average for general heath care, doctor visits, hospital stays, non-prescription medicine, and medical insurance. A basket costing USD$1,000 in New York costs USD$690. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$56, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,729.

8) Household Accommodation: Cost is very low for items such as apartment rent, house rent, property purchase, mortgage rate, and utilities. A basket costing USD$5,000 in New York costs USD$1150. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$1,073 in a central location, and USD$651 in a suburban location, per month, excluding utilities.

9) Miscellaneous: Cost is very low for items such as dry cleaning, linen, magazines, newspapers, office supplies, and postage stamps. A basket costing USD$500 in New York costs USD$90. Average price for dry cleaning (1 mens 2 pc suit) is USD$1.74, while an international newspaper is USD$0.54.

10) Personal Care: Cost is very high for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$540. Average cost for a mens haircut and blow dry is USD$43, while a womens hair colour, cut and blow dry - medium length is USD$216.

11) Recreation & Culture: Cost is average for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$275. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$ , and an international fitness, recreation or sports club membership cost for one adult is USD$28 per month.

12) Restaurants Meals Out and Hotels: Cost is very low for items such as hotel daily room rates, meals and beverages in a restaurant, and take away food and beverages. A basket costing USD$1,000 in New York costs USD$270. Average cappuccino price (regular, medium) is USD$2.32, coke/pepsi (330ml) USD$0.80, burger meal (international franchise or similar) USD$3.68, and a mid-range international restaurant meal for 2 USD$33.10.

13) Transport: Cost is low for items such as fuel (petrol/gasoline), car hire, public transport, vehicle purchase and maintenance. A basket costing USD$1,000 in New York costs USD$620. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$1.00, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$9,722.

How does the cost of living in Gambia compare?

Gambia is -36.2% cheaper than USA for groceries, -59% cheaper for household costs than UK, and 17.3% more expensive for transport costs than India.

What is the quality of life / hardship in Gambia?

Gambia is ranked as an extreme hardship location.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%.

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