What is the Cost of Living in Dubai for Expats in 2021?
| Location | Single person monthly cost without rent |
|---|---|
| Dubai | AED 3,443.97 (USD 937.70) |
| Hong Kong | AED 3,894.00 (USD 1,060.23) |
| London | AED 4,383.96 (USD 1,193.63) |
| New York | AED 4,957 (USD 1,349.65) |
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Is it expensive to live in Dubai?
According to the Mercer Cost of Living, Dubai is an expensive city. It ranked as the 23rd most expensive out of 209 destinations. However, it is about 25% less expensive than New York City – and about 4% less expensive than nearby Abu Dhabi. As such, depending on where you live now, Dubai might look like a bargain.
What salary do I need to live in Dubai?
For those wishing to live in Dubai, a salary resulting in a monthly pay of AED 10,000 to AED 13,000 is relatively comfortable.
Can you live cheap in Dubai?
Living in Dubai on a budget is possible. The big costs in Dubai are housing and schooling. If you have these covered by your employer, then the costs you face are at your discretion. If not, single people can get relatively cheap housing by sharing an apartment or an older villa, but mixed flatting is frowned on.
Is Dubai expensive than USA?
The cost of living in Dubai and Abu Dhabi is high compared to the US and the rest of the world. This issue is enhanced by the excessive spending here. Since many of its goods are imports, you do pay a premium for this choice with more expensive goods.
Is electricity free in Dubai?
Shaikh Mohammed also gave orders to exempt Emiratis in Dubai from connection charges of electricity to their new houses with a maximum of AED 25000 for each house as well as to give them a free quota of a maximum of 6000 kWh a month for each house.
Is there a minimum wage in Dubai?
For expatriates, there is no mandatory minimum wage. For UAE nationals, minimum wage is determined by level of education: No high school certificate- 3,000 AED. High school certificate- 4,000 AED.
Is 30K a good salary in Dubai?
30K AED is considered a good salary in Dubai. Some Living expenses are high and some are low in AED. In 30K Aed you can live in a good separate apartment in a good location like Jumeirah, Sheikh Zayed road etc. You can own a Parking and a good car.
What language do they speak in Dubai?
The official language of the United Arab Emirates is Arabic. Modern Standard Arabic is taught in schools, and most native Emiratis speak a dialect of Gulf Arabic that is generally similar to that spoken in surrounding countries.
Can foreigners buy property in Dubai?
In Dubai, foreign ownership is permitted in areas designated as freehold. Foreigners (who don’t live in the UAE) and expatriate residents may acquire freehold ownership rights over property without restriction, usufruct rights, or leasehold rights for up to 99 years. There is no age limit to own property in Dubai.
Can I live in Dubai permanently?
One can obtain residency in Dubai or in another emirate in UAE if sponsorship by an employer is provided. The Dubai residence visa must be renewed every three years. Another way to obtain residency in Dubai is by purchasing real estate.
Is it cheaper to live in Dubai or England?
Cost of living in Dubai (United Arab Emirates) is 29% cheaper than in London (United Kingdom)
How is life in Dubai for foreigners?
Dubai is a very tolerant emirate – tolerant of others’ beliefs and ways of life. It is also one of the most moderate in terms of applying the rules of Islam to everyone’s everyday life. Expats can buy alcohol in Dubai and also they are allowed to eat and drink during the daylight hours of Ramadan.
Cost of Living in Dubai
This city had 4836 entries in the past 12 months by 662 different contributors.Last update: February 2022
| Restaurants | Edit | Range |
|---|---|---|
| Meal, Inexpensive Restaurant | 35.00 AED | 20.00-75.00 |
| Meal for 2 People, Mid-range Restaurant, Three-course | 250.00 AED | 150.00-600.00 |
| McMeal at McDonalds (or Equivalent Combo Meal) | 28.00 AED | 25.00-33.00 |
| Domestic Beer (1 pint draught) | 45.00 AED | 25.00-60.00 |
| Imported Beer (12 oz small bottle) | 45.00 AED | 35.00-62.98 |
| Cappuccino (regular) | 18.94 AED | 10.00-30.00 |
| Coke/Pepsi (12 oz small bottle) | 3.92 AED | 2.50-10.00 |
| Water (12 oz small bottle) | 1.70 AED | 1.00-5.00 |
| Markets | Edit | |
| Milk (regular), (1 gallon) | 22.28 AED | 15.14-37.85 |
| Loaf of Fresh White Bread (1 lb) | 4.09 AED | 2.72-9.07 |
| Rice (white), (1 lb) | 3.09 AED | 1.81-5.67 |
| Eggs (regular) (12) | 9.57 AED | 5.60-14.40 |
| Local Cheese (1 lb) | 15.37 AED | 6.80-36.29 |
| Chicken Fillets (1 lb) | 10.55 AED | 4.54-20.41 |
| Beef Round (1 lb) (or Equivalent Back Leg Red Meat) | 17.66 AED | 9.53-31.75 |
| Apples (1 lb) | 3.69 AED | 1.81-4.99 |
| Banana (1 lb) | 2.79 AED | 2.04-5.44 |
| Oranges (1 lb) | 2.68 AED | 1.36-4.54 |
| Tomato (1 lb) | 2.17 AED | 0.91-3.63 |
| Potato (1 lb) | 1.61 AED | 0.91-2.27 |
| Onion (1 lb) | 1.37 AED | 0.91-2.27 |
| Lettuce (1 head) | 6.33 AED | 3.00-10.00 |
| Water (1.5 liter bottle) | 2.02 AED | 1.29-3.00 |
| Bottle of Wine (Mid-Range) | 50.00 AED | 33.00-150.00 |
| Domestic Beer (0.5 liter bottle) | 13.30 AED | 5.00-25.00 |
| Imported Beer (12 oz small bottle) | 22.29 AED | 8.00-45.00 |
| Cigarettes 20 Pack (Marlboro) | 22.00 AED | 20.00-25.00 |
| Transportation | Edit | |
| One-way Ticket (Local Transport) | 5.00 AED | 3.00-8.00 |
| Monthly Pass (Regular Price) | 300.00 AED | 200.00-350.00 |
| Taxi Start (Normal Tariff) | 12.00 AED | 6.00-15.00 |
| Taxi 1 mile (Normal Tariff) | 3.98 AED | 2.98-8.05 |
| Taxi 1hour Waiting (Normal Tariff) | 30.00 AED | 24.83-50.00 |
| Gasoline (1 gallon) | 9.36 AED | 7.57-10.60 |
| Volkswagen Golf 1.4 90 KW Trendline (Or Equivalent New Car) | 89,000.00 AED | 75,000.00-116,500.00 |
| Toyota Corolla Sedan 1.6l 97kW Comfort (Or Equivalent New Car) | 72,085.45 AED | 65,000.00-80,000.00 |
| Utilities (Monthly) | Edit | |
| Basic (Electricity, Heating, Cooling, Water, Garbage) for 915 sq ft Apartment | 720.98 AED | 450.00-1,172.41 |
| 1 min. of Prepaid Mobile Tariff Local (No Discounts or Plans) | 0.45 AED | 0.30-0.77 |
| Internet (60 Mbps or More, Unlimited Data, Cable/ADSL) | 356.17 AED | 250.00-450.00 |
| Sports And Leisure | Edit | |
| Fitness Club, Monthly Fee for 1 Adult | 269.09 AED | 100.00-500.00 |
| Tennis Court Rent (1 Hour on Weekend) | 126.29 AED | 50.00-200.00 |
| Cinema, International Release, 1 Seat | 40.00 AED | 35.00-60.00 |
| Childcare | Edit | |
| Preschool (or Kindergarten), Full Day, Private, Monthly for 1 Child | 2,733.33 AED | 1,200.00-4,000.00 |
| International Primary School, Yearly for 1 Child | 48,232.56 AED | 25,000.00-73,428.71 |
| Clothing And Shoes | Edit | |
| 1 Pair of Jeans (Levis 501 Or Similar) | 235.04 AED | 80.00-400.00 |
| 1 Summer Dress in a Chain Store (Zara, H M,.) | 215.05 AED | 80.00-300.00 |
| 1 Pair of Nike Running Shoes (Mid-Range) | 336.08 AED | 190.00-500.00 |
| 1 Pair of Men Leather Business Shoes | 331.72 AED | 150.00-650.00 |
| Rent Per Month | Edit | |
| Apartment (1 bedroom) in City Centre | 5,215.36 AED | 3,500.00-9,000.00 |
| Apartment (1 bedroom) Outside of Centre | 3,357.16 AED | 2,500.00-5,500.00 |
| Apartment (3 bedrooms) in City Centre | 10,119.35 AED | 7,000.00-20,000.00 |
| Apartment (3 bedrooms) Outside of Centre | 6,933.26 AED | 5,000.00-15,000.00 |
| Buy Apartment Price | Edit | |
| Price per Square Feet to Buy Apartment in City Centre | 1,257.83 AED | 749.99-2,322.56 |
| Price per Square Feet to Buy Apartment Outside of Centre | 802.05 AED | 600.00-1,300.63 |
| Salaries And Financing | Edit | |
| Average Monthly Net Salary (After Tax) | 12,401.80 AED | |
| Mortgage Interest Rate in Percentages (%), Yearly, for 20 Years Fixed-Rate | 3.85 | 2.50-6.00 |
Cost of Living in Dubai, United Arab Emirates. Feb 2022 prices in Dubai.
Change the unit of measure:
| Food | Update prices | |
|---|---|---|
| Basic lunchtime menu (including a drink) in the business district | Dirham 64 | |
| Combo meal in fast food restaurant (big mac meal or similar) | Dirham 27 | |
| 500 gr (1 lb.) of boneless chicken breast | Dirham 19 | |
| 1 liter (1 qt.) of whole fat milk | Dirham 7 | |
| 12 eggs, large | Dirham 13 | |
| 1 kg (2 lb.) of tomatoes | Dirham 6 | |
| 500 gr (16 oz.) of local cheese | Dirham 34 | |
| 1 kg (2 lb.) of apples | Dirham 10 | |
| 1 kg (2 lb.) of potatoes | Dirham 4.70 | |
| 0.5 l (16 oz) domestic beer in the supermarket | Dirham 13 | |
| 1 bottle of red table wine, good quality | Dirham 110 | |
| 2 liters of coca-cola | Dirham 8 | |
| Bread for 2 people for 1 day | Dirham 4.67 | |
| Housing | Update prices | |
| Monthly rent for 85 m2 (900 sqft) furnished accommodation in expensive area | Dirham 7,209 | |
| Monthly rent for 85 m2 (900 sqft) furnished accommodation in normal area | Dirham 4,941 | |
| Utilities 1 month (heating, electricity, gas.) for 2 people in 85m2 flat | Dirham 788 | |
| Monthly rent for a 45 m2 (480 sqft) furnished studio in expensive area | Dirham 5,023 | |
| Monthly rent for a 45 m2 (480 sqft) furnished studio in normal area | Dirham 2,930 | |
| Utilities 1 month (heating, electricity, gas.) for 1 person in 45 m2 (480 sqft) studio | Dirham 382 | |
| Internet 8 mbps (1 month) | Dirham 278 | |
| 40” flat screen tv | Dirham 1,194 | |
| Microwave 800/900 watt (bosch, panasonic, lg, sharp, or equivalent brands) | Dirham 471 | |
| Laundry detergent (3 l. ~ 100 oz.) | Dirham 29 | |
| Hourly rate for cleaning help | Dirham 33 | |
| Clothes | Update prices | |
| 1 pair of jeans (levis 501 or similar) | Dirham 228 | |
| 1 summer dress in a high street store (zara, h m or similar retailers) | Dirham 174 | |
| 1 pair of sport shoes (nike, adidas, or equivalent brands) | Dirham 364 | |
| 1 pair of men’s leather business shoes | Dirham 431 | |
| Transportation | Update prices | |
| Volkswagen golf 1.4 tsi 150 cv (or equivalent), with no extras, new | Dirham 90,126 | |
| 1 liter (1/4 gallon) of gas | Dirham 2.15 | |
| Monthly ticket public transport | Dirham 346 | |
| Taxi trip on a business day, basic tariff, 8 km. (5 miles) | Dirham 62 | |
| Personal Care | Update prices | |
| Cold medicine for 6 days (tylenol, frenadol, coldrex, or equivalent brands) | Dirham 22 | |
| 1 box of antibiotics (12 doses) | Dirham 45 | |
| Short visit to private doctor (15 minutes) | Dirham 261 | |
| 1 box of 32 tampons (tampax, ob,.) | Dirham 20 | |
| Deodorant, roll-on (50ml ~ 1.5 oz.) | Dirham 19 | |
| Hair shampoo 2-in-1 (400 ml ~ 12 oz.) | Dirham 22 | |
| 4 rolls of toilet paper | Dirham 12 | |
| Tube of toothpaste | Dirham 12 | |
| Standard men’s haircut in expat area of the city | Dirham 56 | |
| Entertainment | Update prices | |
| Basic dinner out for two in neighborhood pub | Dirham 170 | |
| 2 tickets to the movies | Dirham 85 | |
| 2 tickets to the theater (best available seats) | Dirham 544 | |
| Dinner for two at an italian restaurant in the expat area including appetisers, main course, wine and dessert | Dirham 324 | |
| 1 cocktail drink in downtown club | Dirham 80 | |
| Cappuccino in expat area of the city | Dirham 24 | |
| 1 beer in neighbourhood pub (500ml or 1pt.) | Dirham 50 | |
| Ipad wi-fi 128gb | Dirham 1,829 | |
| 1 min. of prepaid mobile tariff (no discounts or plans) | Dirham 0.61 | |
| 1 month of gym membership in business district | Dirham 290 | |
| 1 package of marlboro cigarettes | Dirham 18 |
These prices are established on the basis of a large and consistent amount of data. They are quite dependable. They are based on 612 prices entered by 207 different persons over the course of many months. The most recent pricing update was on February 7, 2022.
Understanding the Cost of Living in Dubai
When people talk about the expense of living in Dubai, one thing comes up over and over again: the city is expensive. In Dubai, there is no such thing as an income tax. That’s just one of the reasons it’s such a popular choice for expats to settle in the area. In addition, if sales taxes are levied, they are minor in comparison to other countries. However, just because Dubai is a tax haven does not imply that it is an inexpensive or costly vacation destination. Examining the actual cost of living in Dubai provides prospective migrants with an understanding of what they may expect to pay for ordinary products when they relocate.
Currency in Dubai
AED (Arab Emirate Dirham) is the currency used in Dubai and the United Arab Emirates as the official unit of currency. The Dirham is abbreviated as AED (Arab Emirate Dirham) in currency exchanges. The value of one Arab Emirate Dirham at the end of 2020 will be $3.67 in the United States, 4.87 in the United Kingdom, and 2.81 in the Canadian dollar.
Is Dubai Expensive or Affordable?
Dubai, according to the Mercer Cost of Living Index, is an expensive city to live in. It was listed as the 23rd most costly location out of a total of 209 options. The cost of living here is around 25% less costly than in New York City – and approximately 4% less expensive than in neighboring Abu Dhabi. Therefore, depending on where you are currently located, Dubai may appear to be a good deal.
Cost of Housing in Dubai
Dubai is an expensive city, according to the Mercer Cost of Living Index. Among 209 locations, it was ranked as the 23rd most costly. While still more costly than New York City, it is around 25% less expensive than Abu Dhabi, which is only 4 percent more expensive. Therefore, depending on where you are currently located, Dubai may appear to be a good deal.
Household Costs
In general, as a tenant in Dubai, you’ll be liable for your own internet fees and utilities (gas, electricity, and water) (gas, electricity, and water.) To create your account and set up your utilities, you will typically be charged a connection fee of 1,000 AED per unit. You should expect to pay around 1,000 AED per month on your utility expenses on average. It may be a little less if you’re really energy-conscious, or it could be significantly more if you have a huge home. When visiting Dubai, it’s a good idea to keep in mind that the weather there is exceedingly hot.
It is generally inexpensive to hire in-house assistance, such as a housekeeper or a gardener.
Keep in mind to budget for your personal health insurance premiums as well. Health Insurance for Expats in Dubai is something you should read.
Grocery Costs in Dubai
Affordability is a feature of common home commodities such as apples, oranges, tomatoes, potatoes, onions, and rice. You may anticipate them to cost less than 10 AED per pound if you buy in bulk. Bread, eggs, and milk are all available at reasonable prices. Cheese, beef, and chicken, on the other hand, cost an average of 40 AED each, with beef being the most expensive. When it comes to luxury imports, you should expect to pay a hefty price for them in Dubai, which has about every product imaginable accessible.
Only thing to remember while shopping at overseas grocers: be prepared to spend a lot of money.
Dubai’s Transportation Costs
The public transportation system in Dubai is excellent. In general, the cost of a monthly pass, which is generally less than 300 AED, is less expensive than the cost of a monthly pass in the majority of other large cities. A single-use bus ticket in Dubai may be purchased for as little as 5 AED. In order to lease a mid-sized automobile, you can anticipate to pay around 2,500 AED per month in lease payments. Insurance is included in the purchase. The price of petrol is really inexpensive, at around 2 AED per liter.
Eating Out and Entertainment
Local cafés and street sellers provide some of the finest value for money in Dubai. A cheap lunch at a local restaurant costs approximately 35 AED or less, which isn’t much more than a combination meal at a fast food restaurant run by a multinational corporation, which costs about 30 AED. In the UAE, if you’re looking for a more substantial lunch for two on date night at a mid-range restaurant, you can expect to pay, on average, roughly 250 AED per person. However, it would not be unusual to spend up to twice that much in a single day.
You might easily spend several thousand Dirham on yourself to make yourself feel special.
Beer, on the other hand, is significantly more costly at 45-60 AED at a hotel bar.
Minimum Wage in Dubai
In the United Arab Emirates, there is no such thing as a national minimum wage. As a result, incomes in Dubai are quite variable. In some areas, notably in technology and hospitality, the pay might be absurdly high depending on demand and market conditions, but this is not always the case. On the other hand, earnings in industries such as manufacturing are extremely low, ranking among the lowest paid in the world. While there is no uniform minimum wage, the Ministry of Labour has established recommendations for minimum pay for different sorts of workers since 2013.
University graduates should get a salary of at least 12,000 AED each month.
In addition, experienced employees with a secondary school diploma shall get a monthly remuneration of 5,000 AED (about $600). As of November 2020, the average monthly pay in Dubai was just under 11,000 AED, which is somewhat less than the national average. Related:
- Moving to Dubai
- Work Visas in Dubai
- Dubai Laws That Expats Should Be Aware Of
- And more.
Cost of living in Dubai: Your guide
The cost of living in Dubai as an expat is important to understand whether you’re planning on retiring, temporarily transferring, or making a permanent move to the country. Compared to other cities, Dubai has an extremely high level of life. In reality, the possibility to live comfortably in a fascinating location is precisely why many foreigners want to relocate there. However, this does not come at a low cost. For visitors, Dubai has been branded the most expensive city in the world to visit, but what are the expenses of actually living there as an expat?
How expensive is Dubai in comparison to the UK, the EU, the USA and Australia?
The dirham is the currency used in Dubai and the United Arab Emirates as its official currency (written as AED – Arab Emirate Dirham – on currency exchanges). It is possible to figure out the precise worth of your money in AED by utilizing an online currency converter, however the following is a general guide:
- 1000 USD is worth 3,673 AED
- 1000 GBP is worth 4,692 AED
- 1000 EUR is worth 4,105 AED
- And 1000 AUD is worth 2,794 AED.
| Comparing basic cost of living | One bedroom flat in city centre (monthly rent) | Lunch for two (Three courses, mid range restaurant) | Transportation (monthly pass) |
|---|---|---|---|
| Dubai | 7,324 AED | 150 AED | 250 AED |
| London, UK | 7,847 AED | 255 AED | 607 AED |
| New York City, USA | 10,938 AED | 275 AED | 430 AED |
| Berlin, Germany | 3,023 AED | 164 AED | 331 AED |
| Sydney, Australia | 7,187 AED | 222 AED | 444 AED |
One significant expenditure for expats in Dubai is the cost of transferring funds from your native currency to the UAE dirham (AED). Even though your bank advertises that it provides fee-free money exchange, you can be certain that the bank’s cut is reflected in the exchange rate it employs. For the greatest value, you should use an exchange service such asWise, which uses the same mid-market rate that you can see on Google and Reuters to calculate your exchange rate. In terms of speed and inexpensive flat costs, Wise is a far better option than using your own bank to transfer your funds.
What are the general living expenses for Dubai? How much can you get by on?
The neighborhood in which you select to reside is one of the most important variables deciding how costly living in Dubai will be for you in the long run. Rental costs in Dubai are rather expensive, but if you live outside of the city, you may rent for far less money.
| Living expenses in Dubai (excluding rent) | Average cost |
|---|---|
| Single person, per month | AED 3,190 |
| Single person, per year | AED 38,280 |
| University student, per month | AED 2,055 |
| Four person family, per month | AED 11,137 |
| Four person family, per year | AED 133,644 |
What are the average salaries for Dubai?
Salaries in Dubai are generally considered to be rather high. Additionally, they do very well in highly specialized and in-demand occupations. As a user experience designer or mobile developer, Dubai is one of the greatest cities in the world to earn a good living and earn a good pay. In addition, it is the city with the highest-paid research scientists and office managers in the country. However, the remuneration for more administrative or entry-level roles is not as great as it is for higher-level ones.
| Salary averages for Dubai | Average salary |
|---|---|
| Cashier | AED 43,869 |
| Copywriter | AED 182,994 |
| Financial analyst | AED 175,421 |
| Graphic designer | AED 140,007 |
| Mobile developer | AED 381,643 |
| Product manager | AED 277,744 |
| Receptionist | AED 55,097 |
| Software engineer | AED 178,521 |
| Teacher | AED 129,866 |
| Web developer | AED 111,509 |
How expensive is housing and accommodation in Dubai?
Dubai has a highly well-developed rental market, which means you can find almost any type of accommodation you could possibly desire. Even while prices in the city center and in elite expat neighborhoods outside of the center are quite high, if you don’t mind making an extra commute, you may still find more cheaply priced accommodations. Check out our handy guide to renting in Dubai for more information on how much it can cost you.
| Renting in Dubai | Average monthly cost |
|---|---|
| One bedroom apartment (city centre) | AED 7,345 |
| One bedroom apartment (outside of city centre) | AED 5,043 |
| Three bedroom family home (city centre) | AED 14,442 |
| Three bedroom family home (outside of city centre) | AED 10,100 |
| Internet | AED 324 |
| Utilities (gas, electric and water for a 85m2 apartment) | AED 619 |
What about healthcare and dental costs in Dubai?
The healthcare system in Dubai, as well as the rest of the United Arab Emirates, is excellent.
The UAE may allow expats to apply for a health card that enables them to some free medical treatment, but it is always preferable to get private health insurance to ensure that you are protected in the case of an accident or illness.
| Healthcare service | Average cost to you |
|---|---|
| Family doctor check-up (no insurance) | AED 274 |
| Cold medicine for six days | AED 20 |
| Antibiotic prescription (no insurance) | AED 96 |
How much is travel and transportation in Dubai?
Because the United Arab Emirates is a country made famous by oil, it should come as no surprise that driving here is quite inexpensive. Due to the high volume of traffic in Dubai, taking public transit may be your best option if you have a regular commute.
| Transportation and vehicle prices for Dubai | Average cost |
|---|---|
| Gasoline (One litre / 0.25 gallon) | AED 1.81 |
| Monthly bus/transport pass | AED 250 |
| Bus ticket, single use | AED 5 |
| Taxi tariff, 8km/5mile journey | AED 31 |
| Toyota Corolla, new | AED 65,062 |
| VW Golf, new | AED 70,000 |
How much does education cost?
With such a large number of expats living in Dubai, there are several outstanding schools that cater to students from a variety of various educational backgrounds. For example, you may enroll your child in an international school that follows the International Baccalaureate program or a school that follows the curriculum offered in your native country. Anything that might be beneficial to your family is likely to be available in Dubai.
| School | Average cost |
|---|---|
| Preschool / kindergarten (monthly fee) | AED 2,882 |
| Private school for lower grades | AED 40,818 |
| Dubai university tuition (undergraduate, one year) | AED 243,600 |
| British University of Dubai tuition (MBA, one year) | AED 70,000 |
The UAE is a fantastic expat destination, whether you’re looking to settle down for the long haul or just want to spend a year or two exploring a new place. It has world-class facilities and a world-class lifestyle to offer, and although the cost of living is quite costly, the experiences you may have here will be really unforgettable. Wishing you the best of luck in your new life in Dubai!
How Much Does It Cost to Live in Dubai?
In popular culture, Dubai is represented as a millionaire’s playground, and the prospect of living a luxury lifestyle is too tempting for some to pass up. Evidently, a large number of individuals shared this viewpoint, as expats account for 80 percent of the country’s total population of 2.5 million people. Many people believe that the expense of living in Dubai is substantially greater than in other parts of the world, although this is mostly due to the media’s portrayal of super automobiles and penthouse flats.
- The life of a worldwide celebrity that some people expect after relocating to Dubai will be sadly disappointed.
- It is impossible to go from being a poverty to becoming a royal just by moving to Dubai.
- The most wealthy nations in the world are ranked according to the results of the poll.
- While this is true, the Legatum Institute takes into account a variety of other characteristics when rating countries.
- The United Arab Emirates is made up of seven nations, with Abu Dhabi being the most populous.
- This places the UAE in the top 20 percent of the world’s economies, and the country’s ranks in governance, economics, and entrepreneurship and possibilities help to keep it on its feet.
- The United Arab Emirates, which includes Dubai, is primarily composed of Muslim residents.
- As a result of the restrictions on dress, drinking, and public affection, it is reasonable that expats may feel restricted in their activities.
As a result of Dubai’s little rainfall and average temperatures in excess of 30°C, it is not unexpected that many people dream of relocating to the nation. The question is, though, how much does it truly cost to live in Dubai?
Economy
Visitors to Dubai are frequently taken aback by the man-made islands dotting the coastline, which are filled with luxurious houses. In the mid-2000s, these outlandish constructions came to symbolize the emirate’s economic growth – and the subsequent financial disaster that followed in 2009. Dubai began diversifying its economy in the 1950s in order to stay up with Abu Dhabi’s oil-rich economy. It diversified its economy by focusing on ports, commerce, services, and financial services. These were a resounding success.
- The economy, on the other hand, has recovered, with loans being paid off and reorganized.
- Many people were taken aback by the catastrophic financial catastrophe that occurred in Dubai.
- Although many people believe that oil is Dubai’s most important export, it really only accounts approximately 6 percent of its total earnings.
- Dubai is mostly known for importing automobiles, jewelry, and apparel.
Currency and Tax Overview
The dirham is the currency that is used in Dubai and the United Arab Emirates (AED). Although it is frequently referred to as Dhs or DH, it is also known as DHS. The value of a dirham is one hundred fils. The dirham is the money that was first used in the Arab world and is still in use today. Notes are available in denominations of 5, 10, 20, 50, 100, 200, 500, and 1,000 dirhams, with the highest denomination being 1,000 dirhams. Despite the fact that Arabic is written on one side of the note and English is written on the other, both sides are written in English.
Many expats are ecstatic at the prospect of being able to live tax-free in Dubai.
In 2010, the UAE as a whole was experimenting with the notion of instituting an income tax, but nothing came of it.
- 10 percent municipal tax levied on hotels and other entertainment facilities
- 10 percent municipal tax levied on the renting of commercial premises
- 5 percent municipal tax levied on the rental of residential property
- And road tolls. Utility bills are subject to taxes. Alcohol is subject to a 30 percent sales tax.
Housing in Dubai for Expats
Rent in Dubai is 3.12 percent less expensive than rent in the United Kingdom. However, the Palm Jumeriah, DIFC, and Jumeriah Beach Residence are not far behind when it comes to the most costly rentals in the country. Many expats do reside in these locations, but they are more likely to be employed in jobs that pay a higher wage. Garhoud is comprised of a mix of ancient villas, as well as modern and older flats. Despite the fact that it is regarded to be the less fashionable side of Dubai, expats truly love living here.
It begins behind the Mall of the Emirates and travels out towards the Emirates Hills until it reaches the Emirates Hills.
Dubai Marina is in the core of what has come to be known as ‘New Dubai,’ a destination for young and reasonably well-off foreigners.
A large number of freehold beachfront residential buildings are included inside the development.
Property costs vary based on where you live, which is important for expats who want to buy a home. The average price of a city center residence is AED 17,596 (about £3,596) per square meter. AED 9,949 (£2,033) per square meter (roughly) is the average price for properties outside of the city center.
Expat Healthcare in Dubai
To become a permanent resident of Dubai is an impossibility. A residence application will not be considered if you were not born into a family where both parents are UAE nationals. As a result, expats will not be covered by the government-sponsored health insurance program. Expats who wish to use public hospitals and facilities must first get a health card from the Department of Health and Medical Services (DHMS) (DOHMS). Expats will not have difficulty finding a pharmacy in Dubai, since there are several locations around the emirate, many of which are open 24 hours a day.
We provide three private medical insurance policies to meet the demands of a variety of expatriate groups.
For further information, please see our article on Medical Insurance in Dubai.
Cost of Education in Dubai
Expat children are unable to attend public schools in Dubai since they are not residents of the country. However, there are a number of private institutions in Dubai that are expressly designed to serve big foreign groups, such as international schools, which may be found in the city. There are schools that follow the national curriculum of the United Kingdom, the United States, France, India, Japan, and other countries, as well as the International Baccalaureate. Many foreign schools may demand a child’s academic record, and they may also ask them to take an entrance exam before they would consider them for admission.
- Expat parents must keep in mind that after the school year has begun, a kid will not be able to move to a different institution.
- They will have to wait until the beginning of the new school year.
- to 1 p.m., Monday through Friday.
- The fees for education range from around AED 3,000 to AED 50,000 each academic year, indicating a significant disparity between the rich and the poor.
Employment Rates
Some employees will not have a problem finding work in Dubai because they have been transferred by their business. More than three-quarters of the workforce in the United Arab Emirates is made up of expatriates, making the country a key employment hotspot for individuals with the appropriate skills and qualifications. The majority of people that move over the nation end up working in the big industries, such as petroleum and petrochemicals; fishing; aluminum; and construction. Careers in education, healthcare, tourism, and hospitality, on the other hand, have lately experienced a resurgence.
The fact that Dubai boasts the lowest unemployment rate in the world is something that many people are drawn to. Since 2015, the unemployment rate has been below 0.3 percent on a monthly basis.
Salary in Dubai
Several expats report that their incomes are greater in Dubai, particularly when an employer offers them a relocation incentive. On average, expats report that their discretionary income is 21.27 percent more in Dubai than in their home country. So they profit from improved cash flow as well as enhanced spending power. However, be mindful that living expenses might be prohibitively expensive, particularly if you are drawn in by the country’s initial allure. It is important to remember that you are in your new home, not on vacation.
However, it all depends on the size of the family, the location, and the lifestyle choices made.
Comparison to UK
When it comes to information on Dubai, the world’s largest database, Numbeo, provides an extensive collection of user-contributed information. Clothing, as well as recreational activities, are substantially more expensive in the United States than in the United Kingdom. Transportation and eating out are, on the other hand, less expensive than in the United Kingdom. A general overview of the cost differences between Dubai and the United Kingdom is provided in the tables below. Please keep in mind that all Emirati pricing have been translated into British pounds for your convenience.
| Groceries | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Milk (1l) | £0.89 | £2.06 | UK |
| White bread (500g) | £0.95 | £0.94 | Dubai |
| Eggs (12) | £1.98 | £2.66 | UK |
| Cheese (0.10 kg) | £0.17 | £0.68 | UK |
| Banana (1kg) | £0.22 | £0.37 | UK |
| Water (1.5l) | £0.92 | £0.46 | Dubai |
| Transport | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Petrol (1l) | £1.08 | £0.39 | Dubai |
| One-way ticket | £2.30 | £0.51 | Dubai |
| Monthly pass | £60.00 | £55.52 | Dubai |
| Taxi (1km) | £1.50 | £0.66 | Dubai |
| Utilities (Monthly) | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Electricity/Heating/Water for 85m 2apartment | £143.46 | £126.10 | Dubai |
| 1 minute of PAYG talk time | £0.13 | £0.10 | Dubai |
| Internet (10 Mbps, unlimited data, cable/ADSL) | £21.05 | £65.41 | UK |
| Clothing | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Jeans (Levi or similar) | £57.15 | £68.68 | UK |
| Dress (chain store) | £29.91 | £45.45 | UK |
| Nike running shoe | £59.40 | £72.35 | UK |
| Leather business shoes | £61.18 | £84.17 | UK |
| Leisure | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Fitness club | £33.28 | £84.57 | UK |
| Tennis court (1 hour) | £9.99 | £22.40 | UK |
| Cinema (1 ticket) | £9.00 | £7.13 | Dubai |
| Eating Out | UK Price (£) | Dubai Price (in £) | Cheaper Country |
| Fast food meal | £5.00 | £5.09 | UK |
| Inexpensive restaurant | £12.00 | £6.11 | Dubai |
| 3 course, mid-range | £50.00 | £30.55 | Dubai |
| Cappuccino | £2.53 | £3.35 | UK |
| Coke/Pepsi | £1.14 | £0.35 | Dubai |
| Imported beer | £3.50 | £8.15 | UK |
The cost of living in Dubai: A guide
A substantial collection of user-contributed data on Dubai may be found in Numbeo, the world’s largest database. Clothing and leisure activities are substantially more expensive in the United States than in the United Kingdom. Transportation and eating out are, on the other hand, less expensive than in the United Kingdom (UK). The cost disparities between Dubai and the United Kingdom are summarized in the tables below. All Emirati pricing have been translated into British pounds, so please keep that in mind when shopping.
What is the basic salary in Dubai?
Dubai attracts people from all over the world for a diverse variety of positions, ranging from bankers to construction laborers. As a result, incomes might vary dramatically. Careers in Dubai, for example, may be found in expanding areas such as technology and hospitality, where salaries can be exceptionally high. On the other hand, there are jobs that are exceedingly low in salary. According to a 2012 survey, manufacturing salaries in the United Arab Emirates were among the lowest in the entire globe 3.
Accordingly, the following guideline was published by the government in 2013: Salary recommendations for a minimum monthly salary 4: Figures are current as of November 1, 2019.
How expensive is it to live in Dubai?
Dubai was listed as the 21st most expensive city to live in in 2019, according to 5 statistics, with places such as Victoria, New York, Tokyo, and Hong Kong ranking higher on the list.
However, the city is more expensive than other major cities such as London, Moscow, and Chicago. Expensive is a relative phrase — in this context, it refers to the cost of living in comparison to pay. Its cost will vary according on your location and level of income you get.
Is rent expensive in Dubai?
When compared to Chicago 6, rent in Dubai is around 26.99 percent less expensive, restaurants are approximately 25.97 percent less expensive, and groceries are approximately 27.25 percent less expensive. In addition, public transportation is less expensive 7, and the unemployment rate is lower. However, because the average pay in Chicago is higher than the average salary in Dubai, you may have more money to spend on the more expensive food and rent in Chicago.
Cheapest rent in Dubai
We looked at a variety of apartment leasing websites in order to find the most affordable rents possible: Data was obtained on November 1st, 2019.
The average cost of an apartment in Dubai per neighbourhood
It’s possible that you’d like to know the average cost of rent per year for an apartment in various neighborhoods around the emirate.
Dubai house prices
According to a survey published in late 2019, “Dubai’s housing market remains ‘oversupplied’ despite the reduction in prices over the previous few years – actual prices have plummeted by about 35% since mid-2014.” 12 In mid-2019, the average price of a Dubai home was 13AED 2.46 million ($670,000, £517,752) per square meter. When it comes to a two-bed apartment, the lowest end of the market starts at roughly $168,000/£130,000, with mid-range possibilities starting at around $388,000/£300,000 – and alternatives reaching more than $647,000/£500,000.
What is the average income in Dubai?
According to the Middle East Salary Survey 2019, the average monthly salary for various job categories in Dubai are listed in the table below. 15
What are Dubai food prices like?
When determining how much food costs in a certain nation, a reasonable rule of thumb is that local food, that is, food that is produced or cultivated in that country, will be less expensive. In the event that food must be imported, the cost will be higher. Accessibility is also important; for example, food on smaller islands tends to be more expensive than food on larger ones. Here are a few important facts:
- Restaurants might be inexpensive, but alcoholic beverages and coffee are not. If you compare Dubai to the rest of the Middle East 16, eating out may be prohibitively costly, with Dubai ranking as the second most expensive city in the region behind Tel Aviv.
Gasoline price in Dubai
Cost per litre: Figures are current as of November 1, 2019. How does this compare to the United States and the United Kingdom?
- Petrol prices in the United Kingdom can be more than twice as high as those in the United Arab Emirates (£1.27/$1.64 per litre of petrol and £1.31/$1.70 per litre of diesel as of November 2018)
- Petrol prices in the United States are higher than in the United Kingdom, although they are still lower than in the United Kingdom ($0.78/£0.60 per litre as of November 2019 19).
The cost of health care in Dubai
Health insurance is a significant portion of one’s monthly living expenses. This is typically already top of mind for American expats and others who have arrived from countries where there is no national health system in place. It may not be the case for people who come from nations with socialized care or national health/insurance systems. In Dubai, all migrants are legally required to obtain health insurance, which is supplied by their job in most cases. The majority of employers provide health insurance coverage as part of their compensation package; however, this may only be for the most basic of coverage, and an extra international health insurance policy may be necessary to adequately cover the needs of you and/or your family.
What to consider when you move
Dubai is the 21st most expensive city in the world, according to the World Bank. However, given that it is the 14th best paid city in the world, these rates seem reasonable in comparison. If you’re thinking of relocating, you’ll have to take into account costs that you would not otherwise consider. If you’re from the United States, the idea of having to pay for health insurance may come as no surprise; but, if you’re from the United Kingdom, you may be surprised. When preparing for your relocation, keep in mind any one-time expenses you may incur, such as the purchase of a vehicle.
SOURCE: Data on currencies is given by Morningstar for currencies and Coinbase for cryptocurrencies, respectively.
Aetna® is a registered trademark of Aetna Inc., and it is protected around the globe by trademark registrations and international treaties to which it is subject. When the article is published, a link will be provided.
What is the Cost of Living in Dubai in 2021?
Go to the following page:Varieties of Expenses in Dubai The cost of living in Dubai for a single individual is The cost of living in Dubai for a couple The cost of living in Dubai for a family of four people. Living in Dubai is a dream come true for many people; the city offers a plethora of options, tall, visually appealing skyscrapers, a standard lifestyle, and everything in between and beyond. If you’re interested in learning more about the cost of living in Dubai, you’ve come to the perfect place.
Costs of Living in Dubai
Dubai, one of the world’s most diversified cities, is noted for its extravagant and minimalist lifestyles, which are both popular in the city. It means you may choose between a more economical way of life and a contemporary, luxurious way of life – the decision is entirely up to you. We will share and debate the fundamental costs of living in Dubai, including facilities, transportation, shopping, food, and educational institutions, among other things. Here’s a summary of the facts you need to know:
- In Dubai, there are many different expenditures to consider. There are costs for single people living in Dubai, costs for couples living in Dubai, and costs for families of four living in Dubai.
Variety of Expenses in Dubai
It is essential that you familiarize yourself with all of the many sorts of expenditures that come with living in Dubai before making the decision to relocate here. If you’ve been asking around about “how much it will cost to live in Dubai,” you’re not alone. Then it is critical to divide the cost budget into categories depending on the types of costs that inhabitants in the city incur on a monthly basis on average. Typically, the following are the monthly costs that a typical inhabitant incurs, which are detailed below:
- Housing, groceries, utilities, transportation, healthcare, academic institutions, entertainment, and housekeeping are all important considerations.
Housing
It is unavoidable to require housing and lodging at some point in one’s life. Whether you choose to live in a rental or own your own home, there will always be some expense associated with housing. From opulent villas to studio-sized flats, Dubai has something to suit every taste and budget. Housing in Dubai is available at an inexpensive price. The cost of renting a home will vary depending on the neighborhood in which you choose to live. Structured housing zones such as Dubai Marina, Barsha, and Al Jumeirah, on the other hand, have a greater rental value.
When compared to metropolitan regions, places such as Mirdif, Reem, and Oasis provide more affordable flats or housing options.
Groceries
Food from all around the world is available in Dubai. In addition, the cost of goods in Dubai is something that deserves your consideration. Food goods from all around the globe may be found at supermarkets in Dubai, including the United Arab Emirates. Personal dietary choices and way of living may have a significant impact on your shopping expenditure. For example, if you choose to conduct your grocery shopping at a premium store and spend your money on imported goods, you may anticipate to pay an exorbitant amount of money for your monthly living expenses every month.
In the table below, we have included the most frequently purchased grocery goods, as well as their respective prices:
| GROCERY ITEM | COST |
| Milk (1 litre) | AED 5.80 |
| A loaf of White Bread | AED 4.83 |
| White Rice (1 kg) | AED 6.87 |
| Eggs (12, Regular) | AED 10.65 |
| Cheese (200 g) | AED 8.40 |
| Chicken Breast (1 kg) | AED 27.72 |
| Apples (1 kg) | AED 8.33 |
| Bananas (1 kg) | AED 6.76 |
| Oranges (1 kg) | AED 6.42 |
| Tomatoes (1 kg) | AED 6.37 |
| Potatoes (1 kg) | AED 3.76 |
| Onion (1 kg) | AED 3.15 |
| Lettuce (1 head) | AED 6.67 |
| Jam (370 g) | AED 13.35 |
| Total Cost | AED 119.08 |
Utilities
The typical cost of living in Dubai includes the cost of utility bills, which are paid on a monthly basis. DEWA is the name given to your electricity and water connection; cable, mobile network, and Wi-Fi connection are all included in this category and are considered necessary for daily living. Some of your monthly expenditures will change depending on how much DEWA you have to pay. In the summer, for example, the use of air conditioning is more prevalent. Furthermore, if you choose to live in a luxurious villa with private pools and gardens, the amount of money you spend on bills is likely to grow as a result of the costs of care and maintenance.
They provide a variety of packages from which people may pick.
However, a premium subscription that includes roughly 500 Mbps internet speed, premium sports and entertainment channels, and other features would cost AED 1000 per month, depending on the bundle.
| UTILITY | COST |
| Basic utilities for 900 sq. ft apartment | AED 607.96 |
| Basic Wi-Fi network and TV connection | AED 389 monthly |
| Premium Wi-Fi network and TV connection | AED 1000 monthly |
| Basic Mobile data package | AED 125 monthly |
| Premium Mobile data package | AED 500 monthly |
| Total cost | AED 2,622 monthly |
Transportation
Dubai’s hot and arid environment is not foreign to the rest of the globe; yet, because of the heat and adverse weather conditions, individuals must rely on public or private transportation to go around. Use public transportation in Dubai to save money on your monthly expenses. The cost of gasoline in the city is fairly inexpensive. As a result, persons who drive their own personal automobiles can take advantage of this opportunity. However, you will need to consider the cost of insurance and maintenance for your vehicle, as well as the cost of the vehicle itself.
Regardless of the price of gasoline and the cost of travel insurance, the amount of money you spend on transportation each month is determined by the distance traveled and the time of day you travel.
To use public transit, you can sign up for a monthly membership service.
| TRANSPORT SERVICE | COST |
| Petrol | AED 2.04 |
| Taxi fare for 1 km | AED 2 |
| Nol Card (monthly recharge) | Min balance AED 7.4 Maximum balance AED 1000 |
Healthcare
As with the previously listed components, health is a very essential and sensitive subject that everyone want to have easy access to. Every citizen of the United Arab Emirates is required to have health insurance. Your employer will supply you with health insurance, and they may also provide coverage for your family members as well. If, on the other hand, the firm does not provide healthcare insurance for your family and you are on an investor visa, you can get medical insurance from any medical insurance provider in Dubai.
Now, we can look at the specifics of healthcare costs while living in Dubai.
It will cost around AED 5,500 per year for a single individual to get a comprehensive insurance coverage.
Purchasing insurance for a family of four will cost between AED 15,000 and AED 20,000, depending on the plan you choose. If international coverage and additional premium perks are included in the plan, the cost for the same four family members can easily approach AED 70,000.
Schooling
Dubai provides a variety of curricular options, including British, American, Indian, and International Baccalaureate (IB). This is an extremely significant consideration for families with children. If you have children, you will need to give them the attention they need in terms of academics. As a result, there are several possibilities for learning under the British, American, Indian, or International Baccalaureate curricula. Education in Dubai is somewhat more expensive than in other parts of the world because of the high level of quality and amenities provided by educational institutions.
GEMS Modern Academy in Dubai, for example, is a cost-effective Indian school with a price structure ranging from AED 2,800 to AED 5,200 per year.
Following is a general cost structure that we have included in the table below:
| School | Curriculum | Fee Range | Monthly Tuition Fees |
| GEMS Modern Academy | Indian | Expensive | AED 4,453 |
| The Winchester School | British | Affordable | AED 1,843 |
| International School of ArtsSciences | American | Affordable | AED 2,285 |
| GEMS World Academy | International Baccalaureate | Expensive | AED 9,465 |
| The Millennium School | Indian | Affordable | AED 2,236 |
Entertainment
Everyone requires a brief respite from their daily grind. As a result, many recreational activities are available in the city to help alleviate the stress of their hectic and hardworking existence. In order to understand the cost of living in Dubai, you should be aware that you will need to set aside money for entertainment activities at least twice a month. Along with participating in entertainment activities, residents are increasingly ordering meals online through the use of food delivery applications.
| ENTERTAINMENT | COST |
| Movie Ticket for a Single Member | AED 40 |
| Gym Membership Cost | AED 297.57 monthly |
| Meal for a Single-Member from a low-cost restaurant | AED 30 |
| Meal for Two Members from an average restaurant | AED 250 – AED 300 |
| Meal for Two Members from a lavish restaurant | AED 500 – AED 1,000 |
House Help
Everyone wishes to have access to affordable housekeeping services. Living in Dubai provides you with the luxury of having home assistance, which is something that many people take advantage of. If you are an expat with a housemaid who is working, you must sponsor her and ensure that her visa is renewed on an annual basis. This is an additional expenditure to your living expenses in Dubai that may be avoided if you plan beforehand. The typical cost of funding and sponsoring a maid in Dubai is around AED 5,500 per year, with some additional refundable payments to the GDRFA of approximately AED 2,000 each.
The average cost of living in Dubai is $1,050 per month.
Cost for a Single Person Living in Dubai
The cost of living in Dubai is quite affordable for a bachelor.
| Expenses | Costs |
| Housing | AED 2,000 to AED 3,000 per month |
| Utilities | AED 750 to AED 1000 per month |
| Groceries | AED 400 to AED 500 per month |
| Total | AED 3,150 to AED 4,500 per month |
Bachelors in Dubai like to live in studio flats, which are quite affordable. Bachelors may expect to pay between AED 3000 and AED 5000 per month in Dubai’s typical cost of living. Not only will you have to pay for your apartment, but you will also have to pay for your utilities and food. Utilities are projected to cost between AED 750 and AED 1000 per month, on average. Groceries, on the other hand, might cost anything between AED 400 and AED 500. The final item you will need to think about is your mode of transportation.
Public transportation will cost you around AED 350 per month for a pass that allows you to travel across the city. The cost of obtaining a driving license and petrol will be added to the total if you choose to drive instead than fly.
Cost for a Couple Living in Dubai
| Expenses | Cost |
| Housing | AED 2,500 to AED 6,000 |
| Utilities | AED 1,000 to AED 1,500 |
| Groceries | AED 900 to AED 1,000 |
| Total | AED 5,000 to AED 9,000 |
Even for a pair, the most basic living expenditures, such as utilities and groceries, will remain the same or even decrease. Costs range from AED 5,000 to AED 9,000 and higher depending on the service provided. The cost of housing rent can be covered by a loan ranging from AED 3,000 to AED 6,000. Your utility costs, on the other hand, will range between AED 1000 and AED 1,500. Finally, grocery shopping for a couple will cost around AED 960 per month on average.
Cost for a family of four living in Dubai
| Expenses | Costs |
| Housing | AED 2,500 to AED 7,500 |
| Utilities | AED 2,000 to AED 3,500 |
| Groceries | AED 2,000 per month |
| Schooling | AED 4,000 to AED 9,000 |
| Total | AED 10,500 to AED 22,000 |
It is important to examine a few factors while relocating to Dubai with a household of four individuals. The cost of living in Dubai will range from AED 11,000 and AED 22,000 per month. The cost of renting a villa in Dubai might be prohibitively costly since raising a family in Dubai necessitates a vast and pleasant living area. Consider places with reasonable rent costs for 2-3 bedroom flats in regions with low rent prices. Condominiums or flats are a pleasant and cheap way to live, with prices ranging between AED 2,500 and AED 7,500 per month.
If you live in a villa in Dubai, your utility bills would be higher, ranging from a minimum AED 2,000 to a maximum of AED 3,500 per month.
Provisions for a family of four will be available from as little as AED 2,000, with prices ranging much higher.
Propertify UAE has brought our guide to a conclusion.
Keep in mind that this is the usual cost of living in Dubai; your expenses may be more or lower based on your individual circumstances.