Mercer’s Cost of Living Survey for 2020 ranked Nairobi 95th out of 209 countries. Nairobi is far more affordable than European cities such as Rome and Vienna, as well as African cities such as Accra. On the other hand, though, Mercer's survey ranks the cost of living in Nairobi higher than Melbourne and Toronto.

Most expats working in Nairobi earn good salaries with employment perks for major expenses. These could include anything from a housing allowance, a company car and medical aid contributions, to education benefits, and visa and permit charges.

That said, don’t be misled into thinking that expat life in Nairobi is cheap. While it certainly is possible to live sparingly with minimal expenses, most Westerners prefer certain services and standards and these often come at a price.

As is the case with most destinations, an expat’s chief expenses in Nairobi will be accommodation, school fees, transport, food, clothes and utilities.


Cost of accommodation in Nairobi

The cost of accommodation in Nairobi depends on location, but good quality accommodation can be expensive. In many cases, employers offer to shoulder this expense. This offer can also include the required security deposit, usually the equivalent of two to three months' rent. Utilities, such as electricity, water and internet, are likely to be the expat’s responsibility. 

One accommodation-related expense which expats may not anticipate is provision for security measures. Expats living in gated communities find this is often included in the rental costs, but it's unlikely to be the case in standalone homes.


Cost of transport in Nairobi

Many expats prefer to own a car in Kenya, as it allows for more freedom. Depending on the model and condition, cars can be quite expensive in Nairobi, but once expats have purchased a vehicle they often opt to hire a driver too, as chauffeurs are said to be quite affordable and worth considering as navigating Nairobi's traffic can be stressful.

Renting a car is a cheaper alternative to buying and can be more convenient for expats who will only be in the country for a limited time. Some expats, especially those in top executive positions, will have a company car and driver provided for them.

The main means of public transport in Kenya is the matatu (a van or minibus with a fixed or semi-fixed route). This option is cheap, but the vehicles are often overcrowded and in many instances don't meet the required safety standards.

Taxis are also used often, but because there's no clear-cut billing method and vehicles don't have meters, expats are advised to research pricing and to negotiate an agreeable fare with the driver beforehand.


Cost of healthcare in Nairobi

The cost of private healthcare in Nairobi is roughly equivalent to rates in Western countries. Day-to-day treatment is relatively affordable, but health insurance is recommended, especially in case of emergency treatment or medical evacuation.

There are plenty of health insurance providers in Nairobi. Most expats have health insurance included in their salary package.


Cost of education in Nairobi

Most expats send their children to international schools, which can be mightily expensive. Apart from fees, there may also be additional expenses for registration, transport, food and field trips. Again, it’s common for employers to include some form of education allowance in an expat package, and if this isn't initially part of the offer, we recommend expats negotiate for it.


Cost of entertainment in Nairobi

Kenya has something for everyone's type of lifestyle, whether its nature, shopping or socialising in a bar. Nairobi National Park is located just south of the capital city and is a popular attraction among expats and locals alike. The national park isn't overly expensive, and shopping and dining in the city are relatively affordable too, but we advise expats to keep a close eye on their finances as costs can add up quickly.


Cost of living in Nairobi chart

Prices may vary depending on product and service provider. The list below shows average prices for Nairobi in April 2021.

Accommodation (monthly)

Three-bedroom apartment in city centre

KSH 105,000

Three-bedroom apartment outside of city centre

KSH 50,000 

One-bedroom apartment in city centre

KSH 47,000

One-bedroom apartment outside of city centre

KSH 20,000

Shopping

Eggs (dozen)

KSH 160

Milk (1 litre)

KSH 100

Rice (1kg)

KSH 155

Loaf of white bread

KSH 50

Chicken breasts (1kg)

KSH 670

Pack of cigarettes (Marlboro)

KSH 300

Eating out

Big Mac Meal

KSH 650

Coca-Cola (330ml)

KSH 50

Cappuccino 

KSH 280

Bottle of local beer 

KSH 250

Three-course meal for two at a mid-range restaurant

KSH 3,500

Utilities

Mobile-to-mobile call rate (per minute)

KSH 3.40

Internet (uncapped ADSL or cable – average per month)

KSH 6,000

Domestic cleaner (per hour)

KSH 460

Basic utilities (per month for small apartment)

KSH 4,700

Transport

Taxi rate (per kilometre)

KSH 200

Public transport fare in the city centre

KSH 100

Petrol/gasoline (per litre)

KSH 110

Expat Health Insurance

Cigna Health Insurance

Cigna Global

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William Russell Health Insurance

William Russell

William Russell is a boutique insurance company, that values itself on its great customer service and is underwritten by Allianz. They provide health, life, and income protection insurance for expats around the world. With a global network of 40,000 hospitals and doctors, their health insurance plans are designed so that they follow you to whatever country you move to next.

Get a quote from William Russell

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