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The most accurate, data-driven guide to living costs in Dubai, Abu Dhabi, and Sharjah. Based on real calculations from UAE residents.
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The average cost of living in the UAE ranges from AED 8,000 to AED 25,000 per month per person, depending on lifestyle and location. Here's the breakdown:
| Expense Category | Dubai | Abu Dhabi | Sharjah |
|---|---|---|---|
| Studio Apartment Rent | AED 3,500-6,000 | AED 3,000-5,000 | AED 2,000-3,500 |
| Utilities (DEWA/ADDC) | AED 500-800 | AED 400-700 | AED 300-600 |
| Groceries | AED 1,500-2,500 | AED 1,500-2,500 | AED 1,200-2,000 |
| Transportation | AED 500-1,500 | AED 400-1,200 | AED 300-1,000 |
| Healthcare Insurance | AED 500-1,500 | AED 500-1,500 | AED 400-1,200 |
| TOTAL | AED 6,500-12,300 | AED 5,800-10,900 | AED 4,200-8,300 |
| Area | Studio | 1BR | 2BR | 3BR |
|---|---|---|---|---|
| Dubai Marina | AED 55K | AED 85K | AED 140K | AED 200K |
| JVC | AED 35K | AED 55K | AED 85K | AED 120K |
| Business Bay | AED 45K | AED 70K | AED 110K | AED 160K |
| Mirdif | AED 40K | AED 60K | AED 95K | AED 130K |
| International City | AED 25K | AED 38K | AED 55K | AED 75K |
Source: RERA Open Data, DLD Transaction Data (January 2026)
| Fee Type | Amount | Frequency |
|---|---|---|
| DEWA Deposit | AED 2,000 | One-time |
| Security Deposit | 5-10% of annual rent | Refundable |
| Agency Commission | 5% of annual rent | Annual |
| RERA Fee | AED 220 + 5% | Per contract |
| Chiller/AC Charges | AED 500-2,000/month | Monthly |
| Building Maintenance | AED 5-15/sqft | Annual |
| Curriculum | FS1 (Age 3-4) | Year 1 | Year 6 | Year 12 |
|---|---|---|---|---|
| British | AED 25-50K | AED 30-60K | AED 40-75K | AED 60-95K |
| American | AED 30-55K | AED 35-65K | AED 45-80K | AED 65-100K |
| IB | AED 40-70K | AED 50-85K | AED 65-105K | AED 80-120K |
| Indian (CBSE) | AED 8-20K | AED 10-25K | AED 15-35K | AED 20-45K |
Source: KHDA Open Data (218 schools surveyed)
| Cost Item | Range | Notes |
|---|---|---|
| Registration Fee | AED 500-2,000 | One-time, non-refundable |
| Admission Deposit | AED 2,000-10,000 | Refundable when leaving |
| Uniform | AED 800-1,500 | Per year |
| Books & Materials | AED 1,000-3,000 | Per year |
| School Bus | AED 4,000-8,000 | Per year |
| Extra-curriculars | AED 2,000-5,000 | Optional |
| Lunch | AED 1,500-3,000 | Per year |
| Authority | Emirate | Mandatory | Min Coverage | Avg Premium |
|---|---|---|---|---|
| DHA | Dubai | ✓ Yes | AED 150K inpatient | AED 1,200-3,500/year |
| HAAD | Abu Dhabi | ✓ Yes | AED 150K overall | AED 1,000-3,000/year |
| DOH | Sharjah, RAK, etc | Varies | No minimum | AED 800-2,500/year |
| Family Size | Basic Plan | Standard Plan | Comprehensive |
|---|---|---|---|
| Individual | AED 1,200 | AED 2,500 | AED 5,000 |
| Couple | AED 2,400 | AED 4,500 | AED 9,000 |
| Family of 3 | AED 3,600 | AED 6,500 | AED 13,000 |
| Family of 4 | AED 4,800 | AED 8,500 | AED 17,000 |
| Option | Initial Cost | Monthly Cost | Annual Cost |
|---|---|---|---|
| Own Car (Sedan) | AED 50-80K | AED 1,500-2,500 | AED 18-30K |
| Salik Tolls | - | AED 200-400 | AED 2.4-4.8K |
| Parking | - | AED 300-800 | AED 3.6-9.6K |
| Insurance | AED 2-4K | - | AED 2-4K |
| Taxi Daily | - | AED 1,200-2,000 | AED 14.4-24K |
| Metro + Taxi | - | AED 600-1,000 | AED 7.2-12K |
| Fee Item | Amount | Notes |
|---|---|---|
| Entry Permit | AED 500 | Per person |
| Change Status | AED 500 | One-time |
| Medical Test | AED 320 | Per person |
| Emirates ID | AED 270 | Valid 2-3 years |
| Visa Stamping | AED 300 | Per passport |
| Labor Contract | AED 200 | Typing center |
| Insurance Deposit | AED 3,000 | Refundable |
| TOTAL | AED 5,090 | Per employee |
| Emirate | Min Salary | Housing Required | Total Cost/Dependent |
|---|---|---|---|
| Dubai | AED 4K + accommodation OR AED 10K | Proof required | AED 3,500-5,000 |
| Abu Dhabi | AED 4K + accommodation OR AED 10K | Proof required | AED 3,500-5,000 |
| Sharjah | AED 3K + accommodation | Proof required | AED 3,000-4,500 |
| Category | Budget Range | Notes |
|---|---|---|
| Rent (Studio) | AED 3,500-6,000 | Marina vs International City |
| Utilities | AED 500-800 | DEWA + Internet |
| Groceries | AED 1,200-2,000 | Cooking at home |
| Dining Out | AED 1,000-2,500 | 2-3x per week |
| Transportation | AED 800-1,500 | Metro + occasional taxi |
| Entertainment | AED 500-1,500 | Gym, cinema, social |
| TOTAL | AED 7,500-14,300 |
| Category | Budget Range | Notes |
|---|---|---|
| Rent (2BR) | AED 8,000-14,000 | JVC vs Marina |
| Utilities | AED 800-1,500 | DEWA + chiller + internet |
| Groceries | AED 3,000-5,000 | Family cooking |
| School Fees | AED 40,000-120,000 | Annual (÷12 = monthly) |
| Healthcare | AED 400-1,400 | Insurance premium |
| Transportation | AED 2,000-3,500 | Car ownership |
| Entertainment | AED 1,500-3,000 | Family activities |
| TOTAL | AED 15,700-28,400 |
| Profile | Min Salary | Comfortable | Savings Potential |
|---|---|---|---|
| Single Professional | AED 8,000 | AED 15,000 | 20-30% |
| Couple (No Kids) | AED 15,000 | AED 25,000 | 15-25% |
| Family (2 Kids) | AED 25,000 | AED 40,000 | 10-20% |
| Family (3+ Kids) | AED 35,000 | AED 60,000 | 5-15% |
Yes, AED 20,000 is a good salary for a single professional or a couple without children in Dubai. It allows comfortable living with AED 6,000 rent (nice 1BR in JVC or Mirdif), AED 2,000 utilities and groceries, AED 2,000 dining and entertainment, AED 1,500 transportation, and AED 8,500 remaining for savings (42%). However, for a family with school-age children, you would need AED 30,000+ to maintain the same lifestyle once school fees are included.
A family of 4 needs AED 30,000-40,000 per month to live comfortably in Dubai, depending on school choice. Budget option (AED 30K): 2BR in JVC (AED 8K), Indian curriculum school (AED 5K/month), basic lifestyle. Comfortable option (AED 40K): 2BR in Marina (AED 12K), British/American school (AED 10K/month), regular dining out. Premium option (AED 60K+): 3BR in Palm Jumeirah, IB school, luxury lifestyle.
Hidden costs in Dubai include: Security deposits (10% of rent = AED 10K for AED 100K apartment), Agency commission (5% of rent annually = AED 5K), Chiller fees (AC charges not included in rent = AED 500-2K/month), School registration fees (AED 1-2K per child, non-refundable), DEWA deposit (AED 2,000 refundable), Traffic fines (Average driver spends AED 500-1,500/year), Salik tolls (AED 5 per gate = AED 200-500/month for commuters).
Sharjah is the cheapest emirate, offering 30-40% lower living costs than Dubai. A 2BR apartment costs AED 50K in Sharjah vs AED 90K in Dubai. Utilities are 37% lower, groceries 12% lower, and school fees 17% lower. The trade-off is a longer commute to Dubai/Abu Dhabi (30-60 minutes).
Dubai rents are regulated by the RERA Rental Index. Landlords can only increase rent once per year and the increase is capped based on current market rates: At or above market = 0% increase; 11-20% below market = Up to 5%; 21-30% below market = Up to 10%; 31-40% below market = Up to 15%; 41%+ below market = Up to 20%.
Data Sources:
Update Frequency: Reviewed monthly for market data and calculator rates
Understanding your monthly living costs is the first step. The next is using UAE's tax-free advantage to build wealth and achieve financial independence (FIRE).
Why UAE is perfect for FIRE: No income tax means you can save 20-40% more than UK/US earners. A British expat earning £60,000 in UK takes home £43,000 after tax. The same salary in UAE (AED 280K) is fully yours.
Location arbitrage: Save in tax-free UAE, retire somewhere cheaper. If your Dubai living costs are AED 15,000/month, you could maintain the same lifestyle in Goa, India for AED 5,000/month or Chiang Mai, Thailand for AED 6,000/month.
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Founder & CEO
Varun founded Yalla Calculators to help UAE residents make informed financial decisions. Based in the UAE since 2018, he has firsthand experience with property purchases, DLD fees, mortgage rules, and cost-of-living planning. His background in software and digital business (13+ years) drives the accuracy and regulatory alignment of our property and mortgage tools. Varun is not affiliated with other professionals who share the same name; he operates from Dubai/Sharjah and maintains editorial independence across all calculators.
Focus: UAE Property, Cost of Living, Financial Planning, Mortgage & DLD
UAE Living Costs Guide is built for UAE residents and uses local regulations and fee schedules. Our calculators use official UAE data sources, current regulations, and methodology that is reviewed by UAE-based experts. We update fee schedules and formulas when regulators publish changes, and we clearly cite our sources so you can verify results.
All calculations reviewed by UAE-based financial experts.
Yalla Calculators provides UAE-specific financial tools for gratuity, mortgages, property fees, rent vs buy, school fees, visas, and cost of living. Our formulas follow official UAE sources: UAE Labor Law (gratuity, leave), Dubai Land Department and RERA (property, DLD 4% transfer fee), UAE Central Bank (DBR, LTV), KHDA (school fees), and published visa and healthcare data. We update figures when regulations or market rates change. Calculator results are estimates only; actual entitlements, fees, and approvals depend on your specific situation, employer, bank, or authority.
For gratuity, any employee who completes at least one year of continuous service earns gratuity on basic salary for the years served — 21 days’ pay per year for the first five years and 30 days per year thereafter. Under Federal Decree-Law 33/2021 (effective 2 February 2022) the old sliding scale that cut gratuity for resignation before five years was abolished, so resigning no longer reduces your entitlement for completed years. For mortgages, DBR caps and LTV limits vary by buyer type (UAE national, GCC, expat) and property value. Property fees include DLD registration, trustee fees, agent commission, and often mortgage registration. Rent vs buy outcomes depend on holding period, appreciation, and opportunity cost. School fee projections use KHDA fee frameworks and typical annual increases; actual costs vary by school and grade.
Gratuity: If you resign after 3 years with AED 15,000 basic, you receive 21 days’ basic per year for the first 5 years (resigning no longer reduces gratuity). Three years × (21/365) × (15,000 × 12) ≈ AED 31,068. After 5 years, the rate becomes 30 days per year. Mortgage: At 50% DBR, a AED 25,000 monthly income with AED 3,000 existing commitments allows roughly AED 9,500 per month for a mortgage, depending on rates and tenure. Property fees: On a AED 2M purchase, 4% DLD transfer fee is AED 80,000; add trustee, agent, and optional mortgage registration per our property-fees calculator.
Are calculator results legally binding? No. They are illustrative. Gratuity, mortgage eligibility, and visa decisions depend on your contract, bank, or authority. Always confirm with your employer, lender, or official sources.
How often do you update data? We review UAE labor, property, mortgage, and school-fee data periodically and after notable regulatory changes. Check our methodology and data-updates pages for more detail.
Do you store my inputs? Calculator inputs are processed in your browser. We do not store your salary, property value, or other personal figures. See our privacy policy and cookie policy for details on analytics and cookies.
Which Emirates are covered? Default examples often use Dubai (DLD, RERA, KHDA). Several tools support other Emirates where data is available. We indicate coverage in each calculator.
Can I use these for official applications? Our tools are for planning and comparison only. Use official forms, bank offers, and government portals for applications and compliance.
Varun Punjabi
CEO & Founder, Yalla Calculators. 13+ years of professional experience in software and digital business, with a background in the domain and internet industry; resident in the UAE since 2018 (8+ years in the UAE). Specializes in UAE property market analysis, mortgage calculations, DLD and RERA regulations, and UAE labor and school-fee frameworks. Not a licensed financial advisor — Yalla Calculators is an independent informational resource, not a regulated financial institution. Built Yalla Calculators after navigating Dubai’s property and education landscape firsthand.
LinkedInFor methodology, data sources, and disclaimers, see our Methodology, Data Updates, and Terms of Use. Contact: info@yallacalculators.online.
