Zambia is in Southern Africa, east of Angola. The climate is tropical, modified by altitude and the rainy season (October to April). The official language is English. Bemba and Njanja are the other most commonly understood languages. The main religions are Christianity, indigenous beliefs, Hinduism and Islam. The Zambian economy has historically been based on the copper mining industry. Output of copper had declined over a period of 30 years due to lack of investment, low copper prices, and uncertainty over privatisation. However following privatisation of the industry, copper production has rebounded. The Zambian government is pursuing an economic diversification programme to reduce the economy's reliance on the copper industry. Expatriate business dress is typically conservative in the form of a lightweight suit or equivalent. The security risk for expatriates in Zambia is medium. Risks include petty and opportunistic theft, violent crime, including armed robbery and carjacking. The currency of Zambia is the Zambian Kwacha (ZMW). ATMs are available in Lusaka and some major towns but may not accept all cards. Major credit cards are increasingly accepted by larger shops, hotels, restaurants and tour operators. Medical facilities are poor, especially in rural areas. Emergency services are limited. There have been a cholera outbreaks reported. The HIV prevalence rate is very high. The population of Zambia is 16.6 Million (2019 est.), while the inflation rate (CPI) is 8.6% for Zambia as at June 2019. Xpatulator Hypothetical Tax for Zambia is based on the current personal income tax rates which are progressive up to 37.5%.
Cost Of Living
The cost of living for expatriates / professional migrants in In Zambia, the cost of each basket, based on local prices, compared to the international average, is categorized follows (Exact cost of living percentages only available in personalised reports): Zambia as at 1 July 2019 is average in comparison to other places in the world. 1) Alcohol (where available) & Tobacco: Very Low 2) Clothing: Very Low 3) Communication: High 4) Education: Very Low 5) Furniture & Appliances: Average 6) Groceries: Very Low 7) Healthcare: Average 8) Household Accommodation: Very High 9) Miscellaneous: Low 10) Personal Care: High 11) Recreation & Culture: Low 12) Restaurants Meals Out and Hotels: Low 13) Transport: Average Zambia is for example -27.4% cheaper than USA for groceries, 54.2% more expensive for household costs than UK, and 94.9% more expensive for transport costs than India. The hardship premium for Zambia for an expat from Australia, is for example 30%, i.e. host location (Zambia) premium of 40% minus home (Australia) location premium of 10%. Zambia is ranked as a extreme hardship location. Want to know more about cost of living, hardship (quality of living) or expat salary in Zambia? Register subscribe to your home location and Zambia and run your personalised reports.