Updated 2025 15 min read

UAE Cost of Living Guide 2025

Complete breakdown of living expenses in Dubai, Abu Dhabi, and other Emirates. Real data from thousands of expat families to help you budget accurately for your UAE relocation.

AED 15,000
Average Family Monthly Budget
60%
Housing as % of Income
7
Emirates Covered
Paul Phillips, Chartered Accountant
Updated January 2025

Housing Costs in UAE

Housing typically represents 50-70% of your total monthly expenses in the UAE. Here's a comprehensive breakdown by city and property type, based on actual rental data from 2025.

Dubai Rental Prices (Annual)

Property Type Popular Areas Premium Areas Luxury Areas
Studio AED 25,000 - 40,000 AED 45,000 - 65,000 AED 70,000 - 100,000+
1 Bedroom AED 35,000 - 55,000 AED 60,000 - 85,000 AED 90,000 - 150,000+
2 Bedroom AED 60,000 - 90,000 AED 95,000 - 130,000 AED 140,000 - 250,000+
3 Bedroom AED 90,000 - 140,000 AED 150,000 - 200,000 AED 220,000 - 400,000+
Villa 4+ BR AED 120,000 - 180,000 AED 200,000 - 300,000 AED 350,000 - 1M+

Popular Areas

  • • International City
  • • Discovery Gardens
  • • Deira & Bur Dubai
  • • Dragon Mart area
  • • Al Qusais

Premium Areas

  • • Dubai Marina
  • • JBR & The Walk
  • • Business Bay
  • • Al Barsha
  • • Jumeirah Village Circle

Luxury Areas

  • • Downtown Dubai
  • • Palm Jumeirah
  • • Emirates Hills
  • • Jumeirah Beach Residence
  • • Dubai Hills Estate

Abu Dhabi Rental Prices (Annual)

Generally 15-25% lower than Dubai - Abu Dhabi offers better value for money, especially for families seeking larger properties.

Popular Family Areas

  • Al Reem Island: AED 60,000 - 120,000 (2BR)
  • Al Reef: AED 55,000 - 95,000 (2BR)
  • Khalifa City: AED 50,000 - 85,000 (2BR)
  • Al Raha Beach: AED 70,000 - 130,000 (2BR)

Premium Areas

  • Corniche Area: AED 80,000 - 150,000 (2BR)
  • Al Bateen: AED 100,000 - 200,000 (2BR)
  • Saadiyat Island: AED 90,000 - 180,000 (2BR)
  • Yas Island: AED 75,000 - 140,000 (2BR)

Additional Housing Costs to Budget For

Upfront Costs

  • Security Deposit: 5-10% of annual rent
  • Real Estate Commission: 2-5% of annual rent
  • DEWA Connection: AED 2,000 deposit
  • Internet Setup: AED 300-500

Monthly Extras

  • Building Maintenance: AED 200-800/month
  • Parking (if not included): AED 200-500/month
  • Chiller (AC in some buildings): AED 300-1,000/month
  • Building Amenities: Usually included

Pro Tip: Many landlords accept 1-4 cheque payments annually. Paying annually often gets you 5-10% discount on rent.

Transportation Costs

Transportation costs vary significantly based on your lifestyle and location. Here's a breakdown of all options available in the UAE.

Car Ownership Costs

Monthly Car Expenses

  • Fuel (Regular driving): AED 400-800
  • Insurance (Comprehensive): AED 200-600
  • Parking (Work/Malls): AED 200-500
  • Maintenance & Service: AED 300-800
  • Salik (Toll roads): AED 100-300
Total Monthly (Car ownership): AED 1,200-3,000

Car Purchase/Lease Options:

Buy Used Car
AED 25,000-80,000
Lease New Car
AED 1,500-4,000/month

Public Transport

Dubai Metro & Bus

  • Single Journey: AED 3-8.5
  • Daily Pass: AED 20-25
  • Monthly Pass: AED 350-450
  • Annual Pass: AED 2,000-2,800

Ride-Hailing (Uber/Careem)

  • Short trips (5-10km): AED 15-35
  • Long trips (20km+): AED 50-100
  • Airport transfers: AED 80-150
Monthly (Public transport): AED 500-1,500

Taxi & Ride-Sharing Costs

Affordable and convenient transportation options

Dubai Taxi Costs

Base Fare (Day) AED 5.00
Base Fare (Night) AED 5.50
Per KM (Day) AED 2.25
Per KM (Night) AED 2.53
Waiting Time/Min AED 0.50

Tip: Use RTA Dubai app for official taxis with transparent pricing!

Ride-Sharing Apps

Uber

Short trip: AED 15-25

Airport to Marina: AED 80-120

Careem

Short trip: AED 12-22

Often cheaper than Uber

InDriver

Negotiate your fare

Can be 20-30% cheaper

📍 Sample Journey Costs in Dubai

🏖️
Marina to JBR Beach

AED 12-18

5-7 minutes

🛍️
Downtown to Dubai Mall

AED 8-15

3-5 minutes

✈️
Airport to City Center

AED 70-100

25-35 minutes

Transportation by Emirate

Dubai

  • Best Public Transport: Metro, buses, trams
  • Car Necessary: Some areas poorly connected
  • Parking: Often paid in popular areas
  • Salik Tolls: AED 4 per gate crossing
  • Monthly Budget: AED 800-2,500

Abu Dhabi

  • Car Essential: Limited public transport
  • Free Parking: Most areas free
  • Lower Fuel Costs: Shorter distances
  • Bus Network: Growing but limited
  • Monthly Budget: AED 1,000-2,200

Other Emirates

  • Car Essential: Very limited public transport
  • Lower Costs: Cheaper fuel, parking, insurance
  • Sharjah: Some buses to Dubai
  • Ajman/RAK: Car absolutely necessary
  • Monthly Budget: AED 700-1,800

Money-Saving Transportation Tips

For Car Owners:

  • • Buy comprehensive insurance online for better rates
  • • Use ADNOC fuel points program for discounts
  • • Avoid peak hours to save on fuel and tolls
  • • Regular maintenance prevents costly repairs
  • • Consider carpooling with colleagues

For Public Transport Users:

  • • Buy monthly/annual passes for significant savings
  • • Use silver Nol card for better rates than gold
  • • Combine metro + bus for longer journeys
  • • Walk short distances instead of taking taxis
  • • Use ride-sharing during off-peak hours

Food & Dining Costs

Food costs can vary dramatically based on your dining habits. Here's a comprehensive breakdown from budget-friendly to luxury dining options.

Grocery Shopping (Monthly for Family of 4)

Budget Shopping

AED 1,200-1,800/month

  • • Carrefour hypermarkets
  • • Local co-operative societies
  • • Union Coop stores
  • • Al Maya supermarkets
  • • Generic brands & bulk buying

Mid-Range Shopping

AED 2,000-3,000/month

  • • Lulu Hypermarket
  • • Spinneys supermarkets
  • • Choithrams stores
  • • Mix of brands & fresh produce
  • • Some organic/imported items

Premium Shopping

AED 3,500-5,000/month

  • • Waitrose supermarkets
  • • Organic Foods & Café
  • • Kibsons home delivery
  • • Premium/organic brands
  • • Imported specialty items

Sample Grocery Prices (AED)

Basic Staples
  • Rice (5kg bag): AED 15-35
  • Bread (loaf): AED 3-8
  • Milk (1L): AED 4-7
  • Eggs (12 pack): AED 8-15
  • Cooking Oil (1L): AED 8-20
Meat & Protein
  • Chicken (1kg): AED 12-20
  • Beef (1kg): AED 35-60
  • Fish (1kg): AED 25-50
  • Cheese (500g): AED 15-35
  • Yogurt (500g): AED 6-12
Fruits & Vegetables
  • Apples (1kg): AED 8-15
  • Bananas (1kg): AED 4-8
  • Tomatoes (1kg): AED 3-8
  • Onions (1kg): AED 2-5
  • Potatoes (1kg): AED 3-6

Dining Out Costs

Casual Dining & Fast Food

Fast Food Chains
  • McDonald's Big Mac Meal: AED 25-30
  • Subway 12" sandwich: AED 20-35
  • Pizza (large, delivery): AED 50-80
Casual Restaurants
  • Local Arabic restaurant: AED 15-40/person
  • Indian/Pakistani restaurant: AED 20-50/person
  • Chinese/Asian cuisine: AED 30-70/person

Monthly dining out (casual): AED 800-1,500 for a family of 4

Fine Dining & Premium Restaurants

Mid-Range Restaurants
  • Mall food courts: AED 25-50/person
  • Chain restaurants (TGI, Chilis): AED 80-120/person
  • Hotel restaurants: AED 100-200/person
Fine Dining
  • Luxury hotel dining: AED 200-400/person
  • Michelin-style restaurants: AED 300-800/person
  • Brunch (Friday/Saturday): AED 150-500/person

Monthly dining out (premium): AED 2,000-5,000+ for a family of 4

Food Delivery & Meal Plans

Food Delivery Apps

  • Deliveroo: AED 5-8 delivery fee + tips
  • Zomato: AED 3-7 delivery fee + tips
  • Talabat: AED 4-8 delivery fee + tips
  • Expect 20-40% markup on restaurant prices

Meal Plan Services

  • Fresh meal plans: AED 40-80/meal
  • Healthy meal boxes: AED 50-100/meal
  • Family meal kits: AED 80-150/meal
  • Monthly meal plans: AED 1,200-3,000

Monthly Food Budget Summary (Family of 4)

AED 2,000-3,500
Budget: Home cooking + occasional dining
AED 4,000-6,000
Moderate: Mixed cooking + regular dining
AED 7,000-12,000+
Premium: Frequent dining + premium ingredients

Utilities & Monthly Bills

Essential monthly expenses for your UAE home

DEWA (Electricity & Water)

Dubai Electricity & Water Authority

Monthly Bills by Apartment Size

Studio Apartment AED 150-250
1 Bedroom AED 200-350
2 Bedroom AED 300-500
3 Bedroom Villa AED 500-800

💡 Money-Saving Tips

  • • Set AC to 24°C to reduce costs by 30%
  • • Use energy-efficient appliances
  • • DEWA charges are higher in summer months
  • • Consider solar panels for villas

Internet & TV Packages

Stay connected with reliable providers

Etisalat Plans

Basic Internet (250 Mbps): AED 299/month

Internet + TV Bundle: AED 399/month

Premium (1GB): AED 599/month

du Plans

Basic Internet (200 Mbps): AED 279/month

Internet + TV Bundle: AED 379/month

Premium (500 Mbps): AED 499/month

📺 Streaming Alternatives

Netflix: AED 35/month
Amazon Prime: AED 16/month
Disney+: AED 29/month
OSN: AED 35/month

Mobile Phone Plans

Stay connected with affordable mobile plans

💰 Budget Plans

Basic Plan

AED 55/month

5GB data + unlimited calls

Standard Plan

AED 89/month

15GB data + unlimited calls

⭐ Premium Plans

Premium Plan

AED 149/month

50GB data + unlimited calls

Unlimited Plan

AED 199/month

Unlimited everything

💡 Money-Saving Tips

  • • Use WiFi whenever possible
  • • Family plans save 20-30%
  • • Prepaid can be cheaper than postpaid
  • • Compare Etisalat vs du regularly
  • • Corporate discounts available

Everyday Essentials & Services

Day-to-day living costs and services

Personal Care

Men's Haircut AED 25-80
Women's Haircut AED 50-200
Spa Treatment AED 200-500
Gym Membership AED 200-500

Healthcare

GP Consultation AED 200-400
Specialist Visit AED 400-800
Basic Medicines AED 20-50
Dental Cleaning AED 150-300

Household

House Cleaning AED 100-200
Laundry Service AED 5-15/kg
AC Maintenance AED 150-300
Plumber Visit AED 150-250

Entertainment

Cinema Ticket AED 35-75
Theme Park AED 300-400
Beach Club Day AED 100-300
Desert Safari AED 150-300

💰 Smart Money-Saving Tips for UAE Living

Shopping & Groceries
  • • Shop at Carrefour, Lulu, or Union Coop for better prices
  • • Use Noon, Amazon UAE for online shopping deals
  • • Friday-Saturday sales at most malls
  • • Buy in bulk at wholesale markets
Transportation & Living
  • • Get a Nol Card for 20% public transport savings
  • • Share Careem/Uber rides with colleagues
  • • Happy hours at restaurants save 30-50%
  • • Use Groupon UAE for activity discounts

Complete Monthly Budget Breakdown

Plan your UAE budget based on your lifestyle preferences

Budget Living

AED 5,000-8,000

per month for single person

🏠 Studio/Shared Room AED 2,000-3,500
🍽️ Food & Groceries AED 800-1,200
🚌 Public Transport AED 300-400
⚡ Utilities AED 200-300
📱 Phone & Internet AED 200-300
🎯 Entertainment AED 500-800
💼 Miscellaneous AED 500-700

Perfect for: New graduates, budget-conscious professionals, students

Comfortable Living

AED 10,000-15,000

per month for single person

🏠 1-Bed Apartment AED 4,000-7,000
🍽️ Food & Dining AED 1,500-2,500
🚗 Car/Transport AED 1,200-1,800
⚡ Utilities AED 300-500
📱 Phone & Internet AED 300-400
🎯 Entertainment AED 1,000-1,500
💼 Miscellaneous AED 800-1,200

Perfect for: Mid-career professionals, small families, expats seeking balance

Luxury Living

AED 20,000+

per month for single person

🏠 Premium Apartment AED 8,000-15,000
🍽️ Fine Dining AED 3,000-5,000
🚗 Luxury Car AED 2,500-4,000
⚡ Utilities AED 500-800
📱 Premium Plans AED 400-600
🎯 Premium Entertainment AED 2,000-3,000
💼 Lifestyle & Services AED 2,000-3,000

Perfect for: Senior executives, business owners, luxury lifestyle seekers

👨‍👩‍👧‍👦 Family Budget Guide (4 people)

Additional costs when relocating with family

Additional Family Costs

🏠 Larger Accommodation (+2-3 beds) +AED 3,000-8,000
🎓 International School (per child) AED 25,000-80,000/year
🍽️ Family Food & Groceries +AED 1,500-3,000
🚗 Family Car +AED 1,500-3,000
🏥 Family Health Insurance AED 6,000-15,000/year

Total Family Budget Range

Budget Family Living

AED 15,000-20,000/month

Basic accommodation, public schools, economical lifestyle

Comfortable Family Living

AED 25,000-35,000/month

Good schools, comfortable home, regular entertainment

Premium Family Living

AED 40,000+/month

Top schools, luxury accommodation, premium lifestyle

🎯 Smart Money-Saving Strategies

Proven tips to reduce your UAE living costs by 20-30%

Housing

  • • Share accommodation
  • • Choose areas with free utilities
  • • Negotiate annual rent payments
  • • Consider studio apartments

Transport

  • • Use public transport
  • • Car-share with colleagues
  • • Live near workplace
  • • Use ride-shares during off-peak

Food

  • • Cook at home frequently
  • • Use lunch deals and happy hours
  • • Shop at budget supermarkets
  • • Meal prep on weekends

Entertainment

  • • Use Groupon for discounts
  • • Attend free community events
  • • Share streaming subscriptions
  • • Enjoy free beaches and parks
Utilities & Services

Utilities & Essential Services

Complete breakdown of monthly utility costs including electricity, water, internet, and other essential services across the UAE.

Monthly Utilities Breakdown

Dubai (DEWA)

Electricity & Water (1-2BR) AED 200-400
Electricity & Water (3-4BR) AED 400-800
Housing Fee (5% of rent) AED 300-1,500
Municipality Fee (5% of rent) AED 300-1,500
Average Total AED 800-3,800

Abu Dhabi (ADDC/AADC)

Electricity & Water (1-2BR) AED 150-300
Electricity & Water (3-4BR) AED 300-600
Housing Fee (1% of rent) AED 80-400
Tawtheeq Registration AED 170/year
Average Total AED 600-1,300

Internet & Communications

Etisalat

Basic (12 Mbps) AED 299
Premium (100 Mbps) AED 449
Ultra (500 Mbps) AED 649

du

Starter (25 Mbps) AED 299
Home Pro (100 Mbps) AED 399
Ultra (1 Gbps) AED 599

Mobile Plans

Basic (6GB) AED 99
Premium (30GB) AED 199
Unlimited AED 399

Other Essential Services

Home Services

Housekeeping (weekly) AED 400-800/month
AC Maintenance (annual) AED 300-600
Pest Control (quarterly) AED 200-400
Gas Cylinder Delivery AED 35-45

Security & Parking

Building Security Deposit AED 1,000-3,000
Parking (Dubai Marina) AED 1,500-3,000/year
Parking (Downtown Dubai) AED 2,000-4,000/year
Cable/Satellite TV AED 150-300/month

Money-Saving Tips for Utilities

  • Set AC to 24°C to reduce electricity bills by 20-30%
  • Use LED bulbs and energy-efficient appliances
  • Bundle internet, TV, and mobile for better rates
  • Regular AC maintenance prevents high bills
  • Compare Etisalat vs du plans annually
  • Use water-efficient fixtures to reduce DEWA bills
Healthcare Costs

Healthcare & Medical Expenses

Comprehensive breakdown of healthcare costs including insurance, medical treatments, and wellness services across the UAE.

Health Insurance (Mandatory)

Basic Plans

Individual AED 800-1,500
Family (4 members) AED 3,000-6,000
• Basic coverage • Government hospitals • Emergency services

Standard Plans

Most Popular
Individual AED 1,500-3,000
Family (4 members) AED 6,000-12,000
• Private hospitals • Specialist consultations • Dental coverage

Premium Plans

Individual AED 3,000-8,000
Family (4 members) AED 12,000-30,000
• Top-tier hospitals • International coverage • Wellness programs

Top Insurance Providers

Daman
Government employees
AXA Gulf
Comprehensive plans
Al Sagr
Family packages
Orient
Budget-friendly

Out-of-Pocket Medical Costs

Doctor Consultations

GP Consultation AED 150-300
Specialist Consultation AED 300-600
Emergency Room Visit AED 500-1,500
Home Doctor Visit AED 400-800

Tests & Procedures

Blood Tests (basic) AED 100-300
X-Ray AED 200-400
MRI Scan AED 1,500-3,000
Dental Cleaning AED 200-500

Wellness & Fitness

Gym Memberships

Budget Gym AED 150-300/month
Premium Gym AED 400-800/month
Luxury Club AED 1,000-2,000/month

Spa & Wellness

Massage (60 min) AED 200-500
Facial Treatment AED 300-800
Wellness Package AED 500-1,500

Personal Training

Per Session AED 200-400
Monthly Package AED 1,500-3,000
Nutrition Plan AED 500-1,000

Healthcare Money-Saving Tips

Insurance Tips

  • Compare plans annually - savings of up to 30%
  • Group insurance through employer is usually cheaper
  • Higher deductibles reduce monthly premiums
  • Family plans offer better per-person rates

General Healthcare

  • Use government hospitals for routine care
  • Generic medications can save 50-80%
  • Annual health check-ups prevent costly treatments
  • Wellness programs reduce insurance premiums