Lusaka is the capital and largest city of Zambia. Lusaka is a commercial centre as well as centre of government, and the four main highways of Zambia radiate north, south, east and west from it. 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 Lusaka is 2.5 Million (Metro) (2019 est.), while the inflation rate (CPI) is 10.7% for Zambia as at October 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 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 Lusaka is as follows: Lusaka as at 1 November 2019 is high 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$590. Average price in a store for a midrange bottle of wine is USD$6.66, domestic/local beer (500ml) USD$0.86, imported/international beer (330ml) USD$1.44 and a pack of 20 cigarettes is USD$1.75. 2) Clothing: for items such as business, casual and children's clothing and footwear. A basket costing USD$1000 in New York costs USD$560. Average price for an international brand of mens jeans is USD$43, a quality international brand of running shoes USD$60, mens leather shoes suitable for office wear USD$61 while a medium size international summer dress from a global chain store is USD$50. 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$256. Average price for a monthly standard plan internet subscription is USD$80, while the benchmark mobile tariff is USD$0.19 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$13500. Average annual private international school fee (excluding extras) USD$8,684 for Primary School, and USD$9,663 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$1675. Average price for a 6kg front loader Washing Machine is USD$636, and USD$546 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$530. Average grocery prices in a major international retail store for 1 kg apples is USD$2.08, 1 kg oranges USD$4.12, 1 head lettuce USD$0.96, 1 kg potatos USD$0.56, 1 kg boneless, skinless, chicken breast USD$4.37, 1 kg cheddar cheese USD$2.92, 1 dozen large eggs USD$1.17, 500g loaf white bread USD$0.76, 1 L full cream milk USD$1.12, and 1.5 L water USD$0.86. 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$590. Average healthcare cost for a private practice Doctor visit for an uninsured patient is USD$48, and a private hospital stay per day including nursing care, medications, diagnostic tests, food, and related costs is USD$1,464. 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$4550. Average expatriate house / apartment rent for a secure upmarket unfurnished apartment (3 bedrooms) is USD$3,593 in a central location, and USD$2,319 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$315. Average price for dry cleaning (1 mens 2 pc suit) is USD$6.13, while an international newspaper is USD$1.89. 10) Personal Care: for items such as cosmetics, hair care, and toiletries. A basket costing USD$500 in New York costs USD$330. Average cost for a mens haircut and blow dry is USD$26, while a womens hair colour, cut and blow dry - medium length is USD$131. 11) Recreation & Culture: for items such as books, cinema, sport and theatre tickets. A basket costing USD$500 in New York costs USD$280. Average price for a latest release international cinema ticket (average of on and off peak where applicable) for one adult is USD$4.16, and an international fitness, recreation or sports club membership cost for one adult is USD$47 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$490. Average cappuccino price (regular, medium) is USD$2.13, coke/pepsi (330ml) USD$0.61, burger meal (international franchise or similar) USD$4.16, and a mid-range international restaurant meal for 2 USD$23.32. 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$820. Average average price over the last year for highest available octane petrol / gasoline (1L) is USD$1.10, while the benchmark car sedan purchase price including taxes/duties for a compact / small / economy vehicle (1.4 L) is USD$22,905. Lusaka is -17% cheaper than Houston TX for groceries, 113.5% more expensive for household costs than Kuala Lumpur, and 39.3% more expensive for transport costs than Dubai. The hardship premium for Lusaka for an expat from Perth, is for example 30%, i.e. host location (Lusaka) premium of 40% minus home (Perth) location premium of 10%. Lusaka is ranked as a extreme hardship location. Want to know more about cost of living, hardship (quality of living) or expat salary in Lusaka? Register subscribe to your home location and Lusaka and run your personalised reports.