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Living in Zambia: Cost of Living, Healthcare and What to Know About Living in Zambia | Expat Exchange
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Living in Zambia

By Joshua Wood, LPC

Last updated on Mar 10, 2024

Summary: People describe life in Zambia as vibrant and full of culture. Expats love the friendly people, the beautiful landscapes, and the low cost of living. The average cost of living for an expat is around $1,000 per month. The population of Zambia is estimated to be around 17.3 million people. The largest cities in Zambia are Lusaka (the capital), Ndola, Kitwe, Kabwe, and Livingstone. The cons of living in Zambia include the lack of infrastructure, the high crime rate, and the limited access to healthcare. Additionally, the country is prone to natural disasters such as floods and droughts.

William Russell
William Russell
William Russell
William Russell

What do I need to know about living in Zambia?

When we asked people what advice they would give someone preparing to move to Zambia, they said:

"Before retiring in Zambia, expats should familiarize themselves with the local culture and customs. It is also important to research the cost of living in Zambia, as well as the availability of healthcare and other services. Expats should also make sure to obtain the necessary visas and permits before moving to Zambia. Additionally, expats should be aware of the political and economic situation in the country, as well as any potential safety concerns. Finally, expats should consider the language barrier, as English is not widely spoken in Zambia," said one expat who made the move to Zambia.

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How do I meet people in Zambia?

When we asked people living in Zambia about club and activities where newcomers can meet others, they responded:

"Expats in Zambia often join clubs and activities such as golf, tennis, and running. Expats can also join local organizations such as the Zambia Expat Network, which provides a platform for expats to connect and share experiences. Additionally, expats can meet people by attending local events such as music festivals, art exhibitions, and cultural celebrations. Expats can also meet people by attending church services, joining language classes, or volunteering with local charities," said one expat who made the move to Zambia.

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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

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What is life like in Zambia?

When we asked people living in Zambia what life is like and how people spend their time, they said:

"Living as an expat or digital nomad in Zambia can be an exciting and rewarding experience. The country is known for its friendly people, stunning landscapes, and vibrant culture. Expats and digital nomads can find a variety of activities to enjoy, from exploring the country's national parks and game reserves to taking part in local festivals and events. Zambia also offers a range of accommodation options, from luxury hotels to budget-friendly hostels. The cost of living is relatively low, making it an attractive destination for those looking to stretch their budget. Expats and digital nomads can also benefit from the country's reliable internet connection, making it easy to stay connected while living in Zambia," said one expat who made the move to Zambia.

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Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

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Is there a lot of crime in Zambia?

We asked people if there is a lot of crime. They answered:

"Crime is a problem in Zambia, with reports of theft, robbery, and violent crime occurring in both urban and rural areas. The government has taken steps to address the issue, including increasing police presence in major cities and introducing tougher penalties for certain crimes. However, the country still faces a high rate of crime, particularly in areas with high levels of poverty and unemployment," said one expat who made the move to Zambia.

Is there a lot of diversity? Are people in Zambia accepting of differences?

"Yes, there is a lot of diversity in Zambia. The country is home to over 70 different ethnic groups, each with their own unique culture and language. People in Zambia are generally accepting of differences and are known for their hospitality and friendliness. Zambia is a country that celebrates its diversity and encourages its citizens to embrace and respect one another," said one expat in Zambia.

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What are the schools in Zambia like?

"The American International School of Lusaka (AISL) is one of the best international schools in Zambia. Located in the capital city of Lusaka, AISL offers a comprehensive American-style education to students from pre-kindergarten through grade 12. The school is accredited by the Middle States Association of Colleges and Schools and offers a rigorous academic program that prepares students for college and beyond. AISL also offers a wide range of extracurricular activities, including sports, music, and art. The International School of Lusaka (ISL) is another excellent international school in Zambia. ISL is a private, co-educational school that offers a comprehensive international curriculum to students from pre-kindergarten through grade 12. The school is accredited by the Council of International Schools and offers a wide range of extracurricular activities, including sports, music, and art. The French International School of Lusaka (FISL) is a bilingual school in Zambia that offers a French-English bilingual education to students from pre-kindergarten through grade 12. The school is accredited by the French Ministry of Education and offers a rigorous academic program that prepares students for college and beyond. FISL also offers a wide range of extracurricular activities, including sports, music, and art," said one expat in with children at .

Is the cost of living in Zambia high?

We asked people how much they someone comfortably live on in Zambia, they wrote:

"The cost of living in Zambia is generally considered to be relatively low compared to other countries in the region. Basic necessities such as food, transportation, and housing are generally affordable, and the cost of utilities is also relatively low. However, the cost of imported goods and services can be more expensive than in other countries," explained one expat living in Zambia.

"The cost of living in Zambia is generally lower than in many other countries. However, the cost of living in the capital city of Lusaka is higher than in other parts of the country. The rental price for a nice 1 bedroom apartment in Lusaka is around $400 USD per month, while a nice 2 bedroom apartment is around $600 USD per month. Eating dinner at a moderately priced restaurant in Zambia will cost around $10 USD per person," mentioned an expat living in Zambia.

What type of recreational facilities are in Zambia?

When we asked people living in Zambia about recreational activities, they mentioned:

"In Zambia, residents enjoy a variety of recreational facilities, such as parks, sports fields, and swimming pools. There are also many outdoor activities, such as hiking, camping, and fishing. For those who prefer indoor activities, there are bowling alleys, movie theaters, and arcades. Additionally, there are a variety of cultural attractions, such as museums, art galleries, and historic sites. Zambia also has a vibrant nightlife, with a variety of bars, clubs, and restaurants," mentioned one expat inZambia.

What is the weather like in Zambia?

"The climate in Zambia is generally hot and humid, with temperatures ranging from warm to hot throughout the year. The rainy season typically runs from November to April, with the heaviest rainfall occurring in December and January. During the dry season, which runs from May to October, temperatures can reach up to 40°C (104°F). The country also experiences occasional thunderstorms and strong winds," mentioned an expat living in Zambia.

Are there good restaurants in Zambia?

"One of the most popular restaurants in Zambia is the Chafushi Restaurant in Lusaka. Located in the heart of the city, this restaurant serves up traditional Zambian cuisine with a modern twist. The menu features a variety of dishes, from traditional Zambian dishes such as nshima and relish to international dishes such as pizza and burgers. The restaurant also offers a wide selection of drinks, including local beers and wines. The atmosphere is relaxed and inviting, making it a great place to enjoy a meal with friends and family. Another popular restaurant in Zambia is the Manda Hill Restaurant in Lusaka. This restaurant offers a variety of international dishes, from Italian to Chinese, as well as traditional Zambian dishes. The restaurant also has a bar and lounge area, making it a great place to relax and enjoy a drink. The atmosphere is lively and the staff is friendly and attentive. The Chikumbi Restaurant in Livingstone is another popular restaurant in Zambia. This restaurant serves up traditional Zambian dishes, as well as international dishes. The atmosphere is relaxed and inviting, and the staff is friendly and attentive. The restaurant also offers a variety of drinks, including local beers and wines. Finally, the Chikumbi Restaurant in Ndola is another popular restaurant in Zambia. This restaurant serves up traditional Zambian dishes, as well as international dishes. The atmosphere is relaxed and inviting, and the staff is friendly and attentive. The restaurant also offers a variety of drinks, including local beers and wines," commented one expat living in Zambia.

Where will I buy groceries and do other shopping in Zambia?

"People living in Zambia typically buy groceries and do other shopping at local markets, supermarkets, and convenience stores. Many people also shop at roadside stalls and small shops in their neighborhoods. Additionally, some people may purchase items from vendors who come to their homes," mentioned an expat living in Zambia.

What are the visa & residency requirements in Zambia?

"In order to visit Zambia, travelers must obtain a visa prior to arrival. The process of applying for a visa involves submitting an application form, a valid passport, two passport-sized photographs, and a fee. Depending on the type of visa, additional documents may be required. In order to obtain residency in Zambia, applicants must submit an application form, a valid passport, two passport-sized photographs, and a fee. Additionally, applicants must provide proof of employment, proof of financial stability, and a police clearance certificate. Once the application is approved, the applicant will be issued a residence permit," said one expat living in Zambia.

Are healthcare and health insurance expensive in Zambia?

"Healthcare and health insurance in Zambia can be expensive, especially for those who are not covered by a government-sponsored health insurance plan. Private health insurance plans are available, but they can be costly and may not cover all medical expenses. Additionally, many healthcare facilities in Zambia are not well-equipped and may not have the necessary resources to provide quality care. As a result, many people in Zambia are unable to access the healthcare they need due to the high cost," said one expat living in Zambia.

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

AGS Worldwide Movers

Relocating abroad soon? Make your move with AGS! AGS Worldwide Movers is a leader in the international moving industry. Our experience and expertise allows us to guarantee our clients the best quality moving services.

Learn MoreGet Quote

About the Author

Joshua Wood Joshua Wood, LPC joined Expat Exchange in 2000 and serves as one of its Co-Presidents. He is also one of the Founders of Digital Nomad Exchange. Prior to Expat Exchange, Joshua worked for NBC Cable (MSNBC and CNBC Primetime). Joshua has a BA from Syracuse and a Master's in Clinical and Counseling Psychology from Fairleigh Dickinson University. Mr. Wood is also a licensed counselor and psychotherapist.

Some of Joshua's articles include Pros and Cons of Living in Portugal, 10 Best Places to Live in Ireland and Pros and Cons of Living in Uruguay. Connect with Joshua on LinkedIn.

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