25 Feb 2026 1 min read

Retiring in Zambia in 2026: Cost of Living, Healthcare, and Expat Guide

Zambia offers retirees a mix of affordability and practical day-to-day living options, though costs vary by city.

Cost of Living in Zambia (2026)

Local food markets are typically the most budget-friendly option, while imported goods and frequent dining out increase monthly spend.

Rent differs significantly between major urban centers and secondary cities; retirees often reduce costs by living outside core business districts.

Access to private clinics and hospitals is often concentrated in larger cities. Many expats maintain private or international health insurance.

Infrastructure quality, internet reliability, and transport convenience vary by region and city tier.

Major cities provide stronger service access, while smaller towns can provide lower housing and transport costs.

Residency pathways and visa terms can change, so retirees should check official immigration channels before making plans.

Zambia can work for retirees prioritizing lower costs and flexibility, especially when choosing location carefully.