Saudi Arabia Living Costs 2026: Essential Expat Budget Insights

The Cost of Living in Saudi Arabia in 2026 will be of particular importance to expats, as the kingdom has become one of the world’s top destinations. Our calculations give the cost of living in the whole of Saudi Arabia between 6000 and 10,000 SAR (1,267 – 2,133 USD) per month for an average lifestyle and location. Rent, bills, transport and groceries have the largest influence on the overall cost of living in KSA. In addition, it's wise for expats to be aware of local conditions such as requirements to obtain a residence visa, the laws that apply in the Kingdom of Saudi Arabia, general advice regarding what is considered polite behaviour in the culture, and requirements for obtaining a KSA driving licence.

• Budget for monthly living expenses is in the range of SAR 6,000 to SAR 10,000.
• Average rent for a 1-bedroom apartment is SAR 3,500 in city centers.
• Utilities typically cost SAR 350 per month.
• Transportation costs include a SAR 150 monthly public transport pass.
• Residency permit (Iqama) costs SAR 650 annually.

While Saudi Arabia offers reasonable rental costs compared to neighboring UAE, other expenses like groceries and dining are higher.

Understanding the Cost of Living in Saudi Arabia

Many expats have been making their way to Saudi Arabia in search of work and better wages – often tax free. Knowing the cost of living in Saudi Arabia is key to planning and budgeting your trip. The general consensus is that an expat can plan to budget between SAR 6,000 to SAR 10,000 a month depending on how they choose to live and work and what area of the country they reside. As with any new place the cost of living will depend on things like housing, utilities, transport, food and healthcare.

Rent is a major factor. Prices vary greatly from one city to another, but as a general rule, rentals tend to be cheaper on the mainland than on the islands. Overall, utility costs are low, and transportation costs are moderate, but food prices can be higher than elsewhere in South East Asia. You should also budget for increased costs for items such as private school fees, private medical care, etc.

Housing Costs in Saudi Arabia

Living in Saudi Arabia as an expat can be quite an interesting experience. But when you start getting down to the nitty gritty of expenses, you realize that affordable housing isn't quite the case, and indeed is one of the largest expenditure for most expats here. A one-bedroom apartment in a prime area of a city would cost on an average of SAR 3,500 (US $ 930 or INR 77,000) per month. Something on the outskirts of the city and costs are a little lower and would work out to be on the average of SAR 2,500 (US $ 665 or INR 55,000). The costs in cities like Riyadh and Jeddah are also much higher as there's a higher demand and more facilities available.

It’s also worth bearing in mind that if you find an unfurnished apartment, you'll need to factor in the cost of equipping it. Lots of expats rent into compounds, often because they provide a social and safe environment, but these can be very expensive.

Ask if the rent can be lowered if you’re going to stay for a while. Some landlords will give you a discount if you sign a longer lease.

Utilities and Monthly Expenses in Saudi Arabia

Utilities in Saudi Arabia are relatively affordable. For basics such as electricity, heating and cooling, water and garbage, the monthly bill will be in the region of SAR 350 ( approx. USD 93, INR 7,700). Using air conditioning throughout the summer months will also cause bills to rise during the height of the heat.

Internet and mobile phone plans are an additional expense which can start as low as SAR 200 (USD 53, INR 17,600) per month for a basic plan. Costs will vary depending on the service provider and level of data needed.

Transportation in Saudi Arabia

Transport costs in Saudi Arabia are very reasonable. especially when it comes to travelling by public transport. A monthly Masa’ar (public transport card) costs only SAR 150 (approximately USD 40 or INR 3,300). SAUDI ARABIA: Infrastructure development continues across the Kingdom to ensure public transport remains an affordable, efficient and reliable option for all citizens and residents, with a significant number benefiting from this service, particularly in urban areas.

Those who prefer to drive will be pleased to hear that gasoline is very affordable, with prices starting at SAR 2.33 per liter (approximately USD 0.62 or INR 51). In addition to the relatively low cost of gasoline, expats should also consider obtaining a Saudi driving license and factoring in vehicle maintenance costs. Another factor to take into account is traffic, which can make driving around cities a challenge.

Grocery Expenses in Saudi Arabia

Our Grocery shopping blog series continues as we share with you our experiences of grocery shopping in Saudi Arabia. As with all the other aspects of daily life here, you have a choice of international products or local alternatives, and even the local products may vary in terms of quality and taste from what you're used to. Generally though, basic products like say milk and rice are affordable. We pay around SAR 6 per litre of milk and SAR 8 per kilogram of rice. On the other hand, international products are far more expensive as a result of the heavy import duties and taxes levied.

Families with dietary preferences and individuals who don't eat certain products, may have to spend more money on foreign goods. This post talks about the types of products and the places where they can be purchased. The local markets and grocery stores carry a wide assortment of fruits, meats and other groceries.

Dining Out in Saudi Arabia

Fast Food and Eating Out Prices for food in Saudi Arabia can vary from extremely cheap to very expensive depending on where you eat. Prices in an extremely cheap eating house would be around 25 SAR (6.65 USD / 550 INR) for a meal. For a 3 course meal for two people in a mid range restaraunt the prices would be in the region of 150 SAR (40 USD / 3,300 INR) and fast food chains are reasonably cheap.

Food and Drink in Qatar As with any foreign country, certain aspects of local food and drink culture should be borne in mind by expats and these include the sourcing of halal food, which is the only type allowed in the country. When eating out, tipping isn't required but is always welcome and amounts of between 5 and 10 per cent of the value of the bill are generally considered acceptable.

Healthcare Costs in Saudi Arabia

Medical facilities in Saudi Arabia are generally of a high standard, but it's a very expensive service if you aren't insured. A basic consultation with a doctor in the clinic will cost in the region of SAR 150 (approximately USD 40 or INR 3,300). We highly recommend that all expats obtain a full medical insurance policy to cover any medical costs in the event of needing to visit the hospital or see a specialist.

There are several pharmacies on the island and medication costs vary depending on the brand and type of drug. Bring sufficient supply of prescribed medications and copies of your prescriptions.

Local Regulations and Cultural Tips

it's very important to be aware of the local regulations and culture when living as an expat in Saudi Arabia. The kingdom is an Islamic country governed by Sharia Law, so there are many rules and customs that have to be adhered to and which may come as a bit of a shock to those who aren't used to them. The Sharia Law rules regarding fashion are especially important to be aware of. In the Kingdom it's mandatory for all women to wear the abaya in public. The abaya is a long, black, neck to toe robe and although it isn't written in law that it has to be black, this is still the fashion and most women feel that it's expected of them to wear black whatever colour clothing they may have underneath. they're also expected to dress modestly.

Public displays of affection aren't tolerated and you should be aware of prayer times as this can be the times when businesses and shops will be closed. An understanding of local customs and practices can really help you understand the Qatar lifestyle and help you through any tricky situations.

Saudi Arabia-Specific Requirements for Expats

Expats will have to get a residency permit, known as an Iqama, which is compulsory and has to renewed every 12 months. The Iqama will set back the expat by SAR 650, which translates to USD 173 or INR 14,300 approximately. The Iqama document will help work, bank account opening and access to all medical care.

To drive in Saudi, it's required to have a Saudi driving license. For expatriates, it's also mandatory to exchange the international license. It will cost SAR 400 (USD 106, INR 8,800). So, one must exchange it as soon as possible as penalties are applicable in case of late renewal.

Tips for Indians Moving to Saudi Arabia

The Indian community in the Kingdom of Saudi Arabia is a thriving one with large numbers residing in the capital Riyadh and the commercial hub Jeddah. Indian grocery stores abound in the two cities selling popular Indian food items and personal care products, making their lives here far easier.

Cultural adaptation is highly recommended. Basic Arabic phrases can be learned to assist communication with the local population. Indian festivals like Diwali and Holi are also celebrated by expats to maintain some sense of their roots.

I joined a few local expat groups and communities. These groups were really great for making contacts and getting a better understanding of what it’s like to live in Saudi. A couple of them provide really useful information and tips, and are great for newbies to the country.

Common Mistakes to Avoid

One of the biggest problems expats seem to face is underestimating the costs of utilities and transportation. These should always be factored in when coming to a new country. The other is failing to understand local dress codes and customs – another costly error.

Another important aspect of relocation isn't to assume anything, particularly when it comes to the availability of infrastructure, products or services in the new location. With a little bit of planning and research, you'll avoid being negatively impacted by unexpected events.

Saudi Arabia Compared to Other Countries

Rentals in Saudi Arabia are lower than in the UAE, thus a cost effective option. Food and dining out costs are higher than in India.

Several key points to consider when thinking of moving to the Middle East. Personal preferences and financial circumstances will very much come into play.

Use an online cost of living calculator to see how your cost of living in your home country will compare with that in Saudi Arabia, so you can make an informed decision before you make the move.

Frequently Asked Questions About Saudi Arabia

What is the average cost of living for an expat in Saudi Arabia?

The average monthly cost of living in Riyadh is between SAR 6,000 and SAR 10,000. Costs can vary depending on the individual’s lifestyle and location. Housing, utilities, food and transport are all included in this estimate.

Is healthcare expensive in Saudi Arabia?

Medicine without insurance can be very expensive, and even a simple doctor visit to the polyclinic can cost up to SAR 150. it's highly recommended that all expats obtain some level of medical cover.

How can I find Indian groceries in Saudi Arabia?

Although spices and other ingredients can be found in local markets, most Indian grocery items are available in the hypermarts and in specialty Indian grocery stores in cities like Riyadh and Jeddah. Many local grocery stores carry Indian products and even have Indian brands and products.

What is the cost of renting an apartment in Saudi Arabia?

Renting a 1-bedroom apartment in the city centre would cost about SAR 3,500 per month, while outside the city centre it would be about SAR 2,500 per month.

Do I need to learn Arabic to live in Saudi Arabia?

There isn’t really a need to learn Arabic but it’s always good to have a few phrases up your sleeve to help you get on in life and immerse yourself in the culture.

What are the key cultural norms to be aware of in Saudi Arabia?

Oman has very relaxed rules for most things but for the newbies there are a few things to bear in mind: - Clothing is quite modest, in the sense that shoulders should be covered and shorts/dresses shouldn't be shorter than the knee. - No public displays of affection are allowed. - Shops and restaurants usually close for a couple of hours at midday and during the evening to allow staff time to pray.

How does the cost of living in Saudi Arabia compare to other countries?

A comparison of rentals, food and other expenses in the three countries shows that rentals in Saudi Arabia are less than in the UAE but more than in India.

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